Home > The Farmers Bank of Appomattox > Performance and Condition Ratios
The Farmers Bank of Appomattox, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 2,725 |
| Cost of funding earning assets | 1.1334% | 2,976 |
| Net interest margin | 3.5453% | 2,082 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.4962% | 2,306 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.9475% | 2,377 |
| Return on assets (ROA) | 0.8943% | 2,539 |
| Pretax return on assets | 1.0271% | 2,595 |
| Return on Equity (ROE) | 9.8400% | 2,547 |
| Retained earnings to average equity (ytd only) | 5.9730% | 2,255 |
| Net charge-offs to loans | 0.1610% | 652 |
| Credit loss provision to net charge-offs | 68.2857% | 2,101 |
| Earnings coverage of net charge-offs (x) | 10.7371% | 2,224 |
| Efficiency ratio | 68.2628% | 2,084 |
| Assets per employee ($millions) | 5.1533% | 3,518 |
| Cash dividends to net income (ytd only)* | 39.2956% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5484% | 4,298 |
| Loan loss allowance to noncurrent loans | 79.2834% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 1,152 |
| Noncurrent loans to loans | 0.6917% | 1,135 |
| Net loans and leases to total assets | 63.9200% | 2,468 |
| Net loans and leases to deposits | 71.4566% | 2,786 |
| Net loans and leases to core deposits | 85.4970% | 2,341 |
| Total domestic deposits to total assets | 89.4500% | 926 |
| Equity capital to assets | 9.4518% | 2,385 |
| Core capital (leverage) ratio | 12.5990% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0013% | 791 |
| Memoranda: | ||
| Average total assets | $323,817,200 | 2,299 |
| Average earning assets | $298,477,800 | 2,315 |
| Average equity | $29,432,600 | 2,293 |
| Average total loans | $217,430,000 | 2,180 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 2,711 |
| Cost of funding earning assets | 1.0161% | 2,993 |
| Net interest margin | 3.5703% | 2,072 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.5125% | 2,197 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.9287% | 2,589 |
| Return on assets (ROA) | 0.9290% | 2,570 |
| Pretax return on assets | 1.0647% | 2,676 |
| Return on Equity (ROE) | 10.3300% | 2,549 |
| Retained earnings to average equity (ytd only) | 5.0338% | 2,920 |
| Net charge-offs to loans | 0.0955% | 812 |
| Credit loss provision to net charge-offs | 127.7419% | 1,439 |
| Earnings coverage of net charge-offs (x) | 17.7097% | 1,892 |
| Efficiency ratio | 68.6142% | 1,949 |
| Assets per employee ($millions) | 4.8023% | 3,738 |
| Cash dividends to net income (ytd only)* | 51.2844% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 4,230 |
| Loan loss allowance to noncurrent loans | 86.3350% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 1,155 |
| Noncurrent loans to loans | 0.7298% | 1,137 |
| Net loans and leases to total assets | 68.2200% | 2,024 |
| Net loans and leases to deposits | 75.7053% | 2,440 |
| Net loans and leases to core deposits | 84.9075% | 2,268 |
| Total domestic deposits to total assets | 90.1100% | 914 |
| Equity capital to assets | 8.7846% | 2,546 |
| Core capital (leverage) ratio | 12.9254% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1225% | 799 |
| Memoranda: | ||
| Average total assets | $318,454,250 | 2,328 |
| Average earning assets | $293,262,000 | 2,344 |
| Average equity | $28,632,250 | 2,318 |
| Average total loans | $216,309,500 | 2,185 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,686 |
| Cost of funding earning assets | 0.9281% | 2,837 |
| Net interest margin | 3.5566% | 2,136 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.4906% | 2,233 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.9369% | 2,625 |
| Return on assets (ROA) | 0.9374% | 2,610 |
| Pretax return on assets | 1.0735% | 2,714 |
| Return on Equity (ROE) | 10.3500% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.8487% | 2,680 |
| Net charge-offs to loans | 0.0936% | 703 |
| Credit loss provision to net charge-offs | 171.2871% | 1,119 |
| Earnings coverage of net charge-offs (x) | 18.7030% | 1,757 |
| Efficiency ratio | 67.7700% | 2,007 |
| Assets per employee ($millions) | 4.8914% | 3,683 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6474% | 4,246 |
| Loan loss allowance to noncurrent loans | 111.1994% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 1,364 |
| Noncurrent loans to loans | 0.5822% | 1,283 |
| Net loans and leases to total assets | 66.5500% | 2,098 |
| Net loans and leases to deposits | 74.2117% | 2,471 |
| Net loans and leases to core deposits | 84.3580% | 2,191 |
| Total domestic deposits to total assets | 89.6700% | 1,024 |
| Equity capital to assets | 9.1577% | 2,406 |
| Core capital (leverage) ratio | 12.7314% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0238% | 813 |
| Memoranda: | ||
| Average total assets | $318,954,333 | 2,330 |
| Average earning assets | $293,935,667 | 2,348 |
| Average equity | $28,895,333 | 2,314 |
| Average total loans | $215,879,667 | 2,184 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,794 |
| Cost of funding earning assets | 0.7755% | 2,822 |
| Net interest margin | 3.5272% | 2,294 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.4365% | 2,414 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.8922% | 2,885 |
| Return on assets (ROA) | 0.8933% | 2,833 |
| Pretax return on assets | 1.0182% | 2,939 |
| Return on Equity (ROE) | 9.9200% | 2,809 |
| Retained earnings to average equity (ytd only) | 0.8123% | 3,894 |
| Net charge-offs to loans | 0.1076% | 570 |
| Credit loss provision to net charge-offs | 253.4483% | 745 |
| Earnings coverage of net charge-offs (x) | 16.5690% | 1,515 |
| Efficiency ratio | 66.7704% | 2,115 |
| Assets per employee ($millions) | 4.7436% | 3,851 |
| Cash dividends to net income (ytd only)* | 91.8079% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 4,298 |
| Loan loss allowance to noncurrent loans | 93.8411% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 1,014 |
| Noncurrent loans to loans | 0.7010% | 1,086 |
| Net loans and leases to total assets | 67.3300% | 1,919 |
| Net loans and leases to deposits | 75.9579% | 2,121 |
| Net loans and leases to core deposits | 83.5710% | 2,016 |
| Total domestic deposits to total assets | 88.6400% | 1,687 |
| Equity capital to assets | 9.2265% | 2,338 |
| Core capital (leverage) ratio | 12.7544% | 1,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9466% | 855 |
| Memoranda: | ||
| Average total assets | $317,016,000 | 2,376 |
| Average earning assets | $292,471,500 | 2,390 |
| Average equity | $28,561,000 | 2,355 |
| Average total loans | $215,701,000 | 2,201 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 1,915 |
| Cost of funding earning assets | 0.3378% | 2,566 |
| Net interest margin | 3.5898% | 1,674 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4002% | 2,423 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.0228% | 2,485 |
| Return on assets (ROA) | 1.0236% | 2,426 |
| Pretax return on assets | 1.1688% | 2,534 |
| Return on Equity (ROE) | 10.5000% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.4191% | 2,486 |
| Net charge-offs to loans | 0.1061% | 703 |
| Credit loss provision to net charge-offs | 152.3148% | 1,290 |
| Earnings coverage of net charge-offs (x) | 18.4676% | 1,930 |
| Efficiency ratio | 65.3462% | 2,314 |
| Assets per employee ($millions) | 4.9408% | 3,722 |
| Cash dividends to net income (ytd only)* | 38.8404% | 1,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5093% | 4,424 |
| Loan loss allowance to noncurrent loans | 81.1808% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 1,092 |
| Noncurrent loans to loans | 0.6273% | 1,180 |
| Net loans and leases to total assets | 67.9600% | 1,833 |
| Net loans and leases to deposits | 76.9741% | 2,038 |
| Net loans and leases to core deposits | 82.9582% | 1,935 |
| Total domestic deposits to total assets | 88.2900% | 1,972 |
| Equity capital to assets | 8.7910% | 2,498 |
| Core capital (leverage) ratio | 12.9594% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8122% | 856 |
| Memoranda: | ||
| Average total assets | $313,394,800 | 2,385 |
| Average earning assets | $288,596,600 | 2,397 |
| Average equity | $30,565,200 | 2,312 |
| Average total loans | $203,508,400 | 2,202 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8334% | 1,653 |
| Cost of funding earning assets | 0.3011% | 2,152 |
| Net interest margin | 3.5323% | 1,571 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.3362% | 2,521 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.0312% | 2,357 |
| Return on assets (ROA) | 1.0323% | 2,321 |
| Pretax return on assets | 1.1875% | 2,417 |
| Return on Equity (ROE) | 10.3300% | 2,628 |
| Retained earnings to average equity (ytd only) | 5.0121% | 3,097 |
| Net charge-offs to loans | 0.0812% | 732 |
| Credit loss provision to net charge-offs | 140.9836% | 1,150 |
| Earnings coverage of net charge-offs (x) | 24.2131% | 1,633 |
| Efficiency ratio | 64.9709% | 2,411 |
| Assets per employee ($millions) | 5.0283% | 3,649 |
| Cash dividends to net income (ytd only)* | 51.4663% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 4,485 |
| Loan loss allowance to noncurrent loans | 82.5637% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,229 |
| Noncurrent loans to loans | 0.5848% | 1,375 |
| Net loans and leases to total assets | 68.5500% | 1,612 |
| Net loans and leases to deposits | 77.5968% | 1,752 |
| Net loans and leases to core deposits | 81.4026% | 1,803 |
| Total domestic deposits to total assets | 88.3500% | 2,318 |
| Equity capital to assets | 8.3857% | 2,614 |
| Core capital (leverage) ratio | 12.5578% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2715% | 952 |
| Memoranda: | ||
| Average total assets | $312,691,500 | 2,405 |
| Average earning assets | $287,816,250 | 2,414 |
| Average equity | $31,257,000 | 2,314 |
| Average total loans | $200,387,000 | 2,226 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 1,476 |
| Cost of funding earning assets | 0.2801% | 1,909 |
| Net interest margin | 3.4488% | 1,457 |
| Noninterest income to average assets | 0.3348% | 3,151 |
| Noninterest expense to average assets | 2.3220% | 2,487 |
| Loan and lease loss provision to assets | 0.0824% | 1,193 |
| Net operating income to assets | 0.9680% | 2,279 |
| Return on assets (ROA) | 0.9719% | 2,229 |
| Pretax return on assets | 1.1131% | 2,357 |
| Return on Equity (ROE) | 9.2289% | 2,621 |
| Retained earnings to average equity (ytd only) | 4.9573% | 2,724 |
| Net charge-offs to loans | 0.0644% | 771 |
| Credit loss provision to net charge-offs | 204.7619% | 957 |
| Earnings coverage of net charge-offs (x) | 29.5873% | 1,394 |
| Efficiency ratio | 66.0968% | 2,494 |
| Assets per employee ($millions) | 4.6009% | 4,006 |
| Cash dividends to net income (ytd only)* | 46.2853% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 4,546 |
| Loan loss allowance to noncurrent loans | 76.3597% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4785% | 1,189 |
| Noncurrent loans to loans | 0.6606% | 1,296 |
| Net loans and leases to total assets | 66.3903% | 1,644 |
| Net loans and leases to deposits | 77.5467% | 1,570 |
| Net loans and leases to core deposits | 81.2731% | 1,640 |
| Total domestic deposits to total assets | 85.6133% | 3,347 |
| Equity capital to assets | 9.1968% | 2,234 |
| Core capital (leverage) ratio | 12.7289% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3669% | 940 |
| Memoranda: | ||
| Average total assets | $313,003,000 | 2,423 |
| Average earning assets | $288,444,333 | 2,440 |
| Average equity | $32,961,667 | 2,276 |
| Average total loans | $195,595,333 | 2,265 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 1,308 |
| Cost of funding earning assets | 0.2754% | 1,872 |
| Net interest margin | 3.4087% | 1,284 |
| Noninterest income to average assets | 0.3105% | 3,241 |
| Noninterest expense to average assets | 2.2998% | 2,504 |
| Loan and lease loss provision to assets | 0.0332% | 1,770 |
| Net operating income to assets | 0.9672% | 2,005 |
| Return on assets (ROA) | 0.9672% | 2,005 |
| Pretax return on assets | 1.1243% | 2,068 |
| Return on Equity (ROE) | 8.6376% | 2,461 |
| Retained earnings to average equity (ytd only) | 0.6047% | 3,900 |
| Net charge-offs to loans | 0.0677% | 654 |
| Credit loss provision to net charge-offs | 81.2500% | 1,111 |
| Earnings coverage of net charge-offs (x) | 28.3125% | 1,157 |
| Efficiency ratio | 66.5188% | 2,704 |
| Assets per employee ($millions) | 4.6547% | 4,034 |
| Cash dividends to net income (ytd only)* | 92.9987% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5116% | 4,578 |
| Loan loss allowance to noncurrent loans | 67.4691% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.5117% | 1,174 |
| Noncurrent loans to loans | 0.7583% | 1,256 |
| Net loans and leases to total assets | 62.0965% | 1,847 |
| Net loans and leases to deposits | 70.2727% | 1,941 |
| Net loans and leases to core deposits | 74.1008% | 1,930 |
| Total domestic deposits to total assets | 88.3650% | 2,350 |
| Equity capital to assets | 10.5240% | 1,585 |
| Core capital (leverage) ratio | 12.3969% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8867% | 918 |
| Memoranda: | ||
| Average total assets | $313,075,000 | 2,429 |
| Average earning assets | $289,027,500 | 2,447 |
| Average equity | $35,056,000 | 2,252 |
| Average total loans | $189,012,500 | 2,304 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 1,597 |
| Cost of funding earning assets | 0.3001% | 2,405 |
| Net interest margin | 3.6040% | 1,456 |
| Noninterest income to average assets | 0.3768% | 3,176 |
| Noninterest expense to average assets | 2.3823% | 2,541 |
| Loan and lease loss provision to assets | 0.0348% | 2,358 |
| Net operating income to assets | 1.1186% | 2,217 |
| Return on assets (ROA) | 1.1189% | 2,279 |
| Pretax return on assets | 1.2956% | 2,374 |
| Return on Equity (ROE) | 9.0631% | 2,887 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,360 |
| Net charge-offs to loans | 0.1118% | 792 |
| Credit loss provision to net charge-offs | 52.2843% | 2,123 |
| Earnings coverage of net charge-offs (x) | 19.9797% | 1,863 |
| Efficiency ratio | 64.1726% | 2,537 |
| Assets per employee ($millions) | 4.6223% | 4,019 |
| Cash dividends to net income (ytd only)* | 33.7058% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 4,598 |
| Loan loss allowance to noncurrent loans | 75.6902% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,410 |
| Noncurrent loans to loans | 0.7000% | 1,442 |
| Net loans and leases to total assets | 58.0956% | 2,364 |
| Net loans and leases to deposits | 66.7124% | 2,438 |
| Net loans and leases to core deposits | 70.0886% | 2,435 |
| Total domestic deposits to total assets | 87.0837% | 2,484 |
| Equity capital to assets | 11.8459% | 1,321 |
| Core capital (leverage) ratio | 12.4704% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4003% | 834 |
| Memoranda: | ||
| Average total assets | $295,927,000 | 2,451 |
| Average earning assets | $273,887,600 | 2,464 |
| Average equity | $36,532,800 | 2,224 |
| Average total loans | $176,253,800 | 2,410 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9929% | 1,548 |
| Cost of funding earning assets | 0.3055% | 2,538 |
| Net interest margin | 3.6874% | 1,364 |
| Noninterest income to average assets | 0.3428% | 3,396 |
| Noninterest expense to average assets | 2.4164% | 2,390 |
| Loan and lease loss provision to assets | 0.0079% | 2,822 |
| Net operating income to assets | 1.1410% | 2,400 |
| Return on assets (ROA) | 1.1414% | 2,460 |
| Pretax return on assets | 1.3297% | 2,542 |
| Return on Equity (ROE) | 9.1437% | 3,063 |
| Retained earnings to average equity (ytd only) | 5.0357% | 3,204 |
| Net charge-offs to loans | 0.1212% | 651 |
| Credit loss provision to net charge-offs | 10.7595% | 2,021 |
| Earnings coverage of net charge-offs (x) | 18.4177% | 1,785 |
| Efficiency ratio | 64.3775% | 2,337 |
| Assets per employee ($millions) | 4.4154% | 4,178 |
| Cash dividends to net income (ytd only)* | 44.9275% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 4,687 |
| Loan loss allowance to noncurrent loans | 64.2955% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 1,400 |
| Noncurrent loans to loans | 0.8147% | 1,399 |
| Net loans and leases to total assets | 58.5965% | 2,411 |
| Net loans and leases to deposits | 67.5889% | 2,475 |
| Net loans and leases to core deposits | 70.8986% | 2,522 |
| Total domestic deposits to total assets | 86.6955% | 2,465 |
| Equity capital to assets | 12.1196% | 1,348 |
| Core capital (leverage) ratio | 12.4820% | 987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8347% | 847 |
| Memoranda: | ||
| Average total assets | $290,174,250 | 2,497 |
| Average earning assets | $268,404,250 | 2,516 |
| Average equity | $36,220,750 | 2,264 |
| Average total loans | $173,748,250 | 2,475 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9845% | 1,598 |
| Cost of funding earning assets | 0.3106% | 2,671 |
| Net interest margin | 3.6739% | 1,411 |
| Noninterest income to average assets | 0.3315% | 3,444 |
| Noninterest expense to average assets | 2.4539% | 2,296 |
| Loan and lease loss provision to assets | 0.0035% | 2,810 |
| Net operating income to assets | 1.0928% | 2,577 |
| Return on assets (ROA) | 1.0934% | 2,644 |
| Pretax return on assets | 1.2735% | 2,699 |
| Return on Equity (ROE) | 8.6700% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.4799% | 3,004 |
| Net charge-offs to loans | 0.1653% | 504 |
| Credit loss provision to net charge-offs | 3.5211% | 1,791 |
| Earnings coverage of net charge-offs (x) | 12.8239% | 1,707 |
| Efficiency ratio | 65.7835% | 2,190 |
| Assets per employee ($millions) | 4.4256% | 4,159 |
| Cash dividends to net income (ytd only)* | 36.7949% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5337% | 4,713 |
| Loan loss allowance to noncurrent loans | 63.4409% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 1,520 |
| Noncurrent loans to loans | 0.8413% | 1,461 |
| Net loans and leases to total assets | 59.3316% | 2,503 |
| Net loans and leases to deposits | 68.9566% | 2,522 |
| Net loans and leases to core deposits | 71.6534% | 2,633 |
| Total domestic deposits to total assets | 86.0419% | 2,726 |
| Equity capital to assets | 12.3420% | 1,204 |
| Core capital (leverage) ratio | 12.7065% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0830% | 795 |
| Memoranda: | ||
| Average total assets | $285,344,667 | 2,519 |
| Average earning assets | $263,972,667 | 2,544 |
| Average equity | $35,986,333 | 2,271 |
| Average total loans | $171,843,667 | 2,498 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 1,716 |
| Cost of funding earning assets | 0.3130% | 2,865 |
| Net interest margin | 3.6324% | 1,497 |
| Noninterest income to average assets | 0.2974% | 3,629 |
| Noninterest expense to average assets | 2.5093% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9996% | 2,808 |
| Return on assets (ROA) | 1.0009% | 2,896 |
| Pretax return on assets | 1.1581% | 2,957 |
| Return on Equity (ROE) | 7.8472% | 3,374 |
| Retained earnings to average equity (ytd only) | 1.4125% | 4,141 |
| Net charge-offs to loans | 0.1134% | 623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.8542% | 1,308 |
| Efficiency ratio | 68.4477% | 1,875 |
| Assets per employee ($millions) | 4.1935% | 4,352 |
| Cash dividends to net income (ytd only)* | 82.0000% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5971% | 4,685 |
| Loan loss allowance to noncurrent loans | 58.4276% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 1,384 |
| Noncurrent loans to loans | 1.0219% | 1,310 |
| Net loans and leases to total assets | 60.3093% | 2,507 |
| Net loans and leases to deposits | 70.1235% | 2,490 |
| Net loans and leases to core deposits | 72.6448% | 2,644 |
| Total domestic deposits to total assets | 86.0045% | 2,737 |
| Equity capital to assets | 12.3224% | 1,141 |
| Core capital (leverage) ratio | 13.1640% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2881% | 643 |
| Memoranda: | ||
| Average total assets | $279,759,500 | 2,544 |
| Average earning assets | $259,440,000 | 2,550 |
| Average equity | $35,681,500 | 2,277 |
| Average total loans | $169,330,000 | 2,518 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 2,290 |
| Cost of funding earning assets | 0.4190% | 3,469 |
| Net interest margin | 3.7274% | 1,717 |
| Noninterest income to average assets | 0.3762% | 3,231 |
| Noninterest expense to average assets | 2.5985% | 2,553 |
| Loan and lease loss provision to assets | 0.0546% | 3,689 |
| Net operating income to assets | 0.9843% | 2,349 |
| Return on assets (ROA) | 1.0424% | 2,276 |
| Pretax return on assets | 1.2252% | 2,244 |
| Return on Equity (ROE) | 7.6697% | 2,937 |
| Retained earnings to average equity (ytd only) | 4.8499% | 2,344 |
| Net charge-offs to loans | 0.0895% | 1,561 |
| Credit loss provision to net charge-offs | 95.2055% | 2,887 |
| Earnings coverage of net charge-offs (x) | 21.1096% | 1,916 |
| Efficiency ratio | 68.2039% | 2,210 |
| Assets per employee ($millions) | 4.0348% | 4,348 |
| Cash dividends to net income (ytd only)* | 36.7647% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6526% | 4,659 |
| Loan loss allowance to noncurrent loans | 62.8488% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 1,530 |
| Noncurrent loans to loans | 1.0383% | 1,371 |
| Net loans and leases to total assets | 59.9827% | 2,864 |
| Net loans and leases to deposits | 70.4436% | 2,831 |
| Net loans and leases to core deposits | 73.0547% | 2,995 |
| Total domestic deposits to total assets | 85.1500% | 2,704 |
| Equity capital to assets | 13.2033% | 1,024 |
| Core capital (leverage) ratio | 13.4570% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0199% | 583 |
| Memoranda: | ||
| Average total assets | $254,411,200 | 2,551 |
| Average earning assets | $234,371,400 | 2,569 |
| Average equity | $34,577,800 | 2,251 |
| Average total loans | $163,113,800 | 2,544 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 2,501 |
| Cost of funding earning assets | 0.4419% | 3,575 |
| Net interest margin | 3.7151% | 1,893 |
| Noninterest income to average assets | 0.3507% | 3,359 |
| Noninterest expense to average assets | 2.5888% | 2,562 |
| Loan and lease loss provision to assets | 0.0485% | 3,751 |
| Net operating income to assets | 0.9504% | 2,522 |
| Return on assets (ROA) | 1.0285% | 2,358 |
| Pretax return on assets | 1.2263% | 2,298 |
| Return on Equity (ROE) | 7.5083% | 3,009 |
| Retained earnings to average equity (ytd only) | 3.7034% | 3,193 |
| Net charge-offs to loans | 0.1001% | 1,311 |
| Credit loss provision to net charge-offs | 74.5902% | 2,787 |
| Earnings coverage of net charge-offs (x) | 18.1230% | 1,974 |
| Efficiency ratio | 68.6561% | 2,091 |
| Assets per employee ($millions) | 3.9444% | 4,358 |
| Cash dividends to net income (ytd only)* | 50.6757% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6274% | 4,688 |
| Loan loss allowance to noncurrent loans | 58.3655% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,572 |
| Noncurrent loans to loans | 1.0749% | 1,395 |
| Net loans and leases to total assets | 63.3487% | 2,841 |
| Net loans and leases to deposits | 74.3074% | 2,928 |
| Net loans and leases to core deposits | 77.1595% | 3,081 |
| Total domestic deposits to total assets | 85.2522% | 2,334 |
| Equity capital to assets | 13.3477% | 1,051 |
| Core capital (leverage) ratio | 13.5440% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9945% | 585 |
| Memoranda: | ||
| Average total assets | $249,423,000 | 2,566 |
| Average earning assets | $229,618,250 | 2,584 |
| Average equity | $34,166,000 | 2,261 |
| Average total loans | $162,479,250 | 2,556 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1919% | 2,792 |
| Cost of funding earning assets | 0.4675% | 3,713 |
| Net interest margin | 3.7244% | 2,078 |
| Noninterest income to average assets | 0.3551% | 3,349 |
| Noninterest expense to average assets | 2.6727% | 2,463 |
| Loan and lease loss provision to assets | 0.0507% | 3,672 |
| Net operating income to assets | 0.8895% | 2,732 |
| Return on assets (ROA) | 0.9547% | 2,604 |
| Pretax return on assets | 1.1445% | 2,568 |
| Return on Equity (ROE) | 6.9061% | 3,167 |
| Retained earnings to average equity (ytd only) | 3.6986% | 3,067 |
| Net charge-offs to loans | 0.0972% | 1,299 |
| Credit loss provision to net charge-offs | 79.4872% | 2,510 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,811 |
| Efficiency ratio | 70.5311% | 1,882 |
| Assets per employee ($millions) | 3.7402% | 4,517 |
| Cash dividends to net income (ytd only)* | 46.4439% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6430% | 4,684 |
| Loan loss allowance to noncurrent loans | 108.9431% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 2,558 |
| Noncurrent loans to loans | 0.5902% | 2,389 |
| Net loans and leases to total assets | 64.1820% | 2,858 |
| Net loans and leases to deposits | 75.4200% | 2,927 |
| Net loans and leases to core deposits | 78.5168% | 3,067 |
| Total domestic deposits to total assets | 85.0994% | 2,353 |
| Equity capital to assets | 13.5037% | 984 |
| Core capital (leverage) ratio | 13.9855% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4800% | 629 |
| Memoranda: | ||
| Average total assets | $244,471,667 | 2,577 |
| Average earning assets | $225,432,667 | 2,587 |
| Average equity | $33,796,333 | 2,268 |
| Average total loans | $160,481,333 | 2,563 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 2,641 |
| Cost of funding earning assets | 0.5038% | 3,926 |
| Net interest margin | 3.8898% | 1,704 |
| Noninterest income to average assets | 0.3534% | 3,402 |
| Noninterest expense to average assets | 2.7467% | 2,587 |
| Loan and lease loss provision to assets | 0.0488% | 3,167 |
| Net operating income to assets | 0.9498% | 2,352 |
| Return on assets (ROA) | 1.0839% | 1,995 |
| Pretax return on assets | 1.3060% | 1,857 |
| Return on Equity (ROE) | 7.7428% | 2,623 |
| Retained earnings to average equity (ytd only) | 1.2263% | 3,687 |
| Net charge-offs to loans | 0.0661% | 1,362 |
| Credit loss provision to net charge-offs | 111.5385% | 1,745 |
| Earnings coverage of net charge-offs (x) | 27.2692% | 1,236 |
| Efficiency ratio | 69.7138% | 2,399 |
| Assets per employee ($millions) | 3.5233% | 4,466 |
| Cash dividends to net income (ytd only)* | 84.1615% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 4,629 |
| Loan loss allowance to noncurrent loans | 84.7050% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 2,206 |
| Noncurrent loans to loans | 0.8122% | 1,981 |
| Net loans and leases to total assets | 65.7352% | 2,847 |
| Net loans and leases to deposits | 77.7225% | 2,915 |
| Net loans and leases to core deposits | 80.9574% | 3,114 |
| Total domestic deposits to total assets | 84.5768% | 2,574 |
| Equity capital to assets | 13.7491% | 1,142 |
| Core capital (leverage) ratio | 14.5701% | 777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1106% | 731 |
| Memoranda: | ||
| Average total assets | $237,669,000 | 2,572 |
| Average earning assets | $219,139,000 | 2,580 |
| Average equity | $33,269,500 | 2,290 |
| Average total loans | $157,366,500 | 2,570 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 2,836 |
| Cost of funding earning assets | 0.4785% | 4,174 |
| Net interest margin | 4.0538% | 1,673 |
| Noninterest income to average assets | 0.4238% | 3,153 |
| Noninterest expense to average assets | 2.8234% | 2,526 |
| Loan and lease loss provision to assets | 0.0295% | 3,421 |
| Net operating income to assets | 1.1047% | 2,428 |
| Return on assets (ROA) | 1.1076% | 2,506 |
| Pretax return on assets | 1.3095% | 2,478 |
| Return on Equity (ROE) | 7.9650% | 3,179 |
| Retained earnings to average equity (ytd only) | 5.2341% | 2,296 |
| Net charge-offs to loans | 0.0731% | 2,049 |
| Credit loss provision to net charge-offs | 60.5263% | 3,030 |
| Earnings coverage of net charge-offs (x) | 27.3947% | 1,667 |
| Efficiency ratio | 67.8869% | 2,482 |
| Assets per employee ($millions) | 3.3679% | 4,598 |
| Cash dividends to net income (ytd only)* | 34.2857% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 4,580 |
| Loan loss allowance to noncurrent loans | 95.3550% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5468% | 2,254 |
| Noncurrent loans to loans | 0.7307% | 2,052 |
| Net loans and leases to total assets | 65.7732% | 2,977 |
| Net loans and leases to deposits | 77.8317% | 3,029 |
| Net loans and leases to core deposits | 80.8865% | 3,224 |
| Total domestic deposits to total assets | 84.5070% | 2,680 |
| Equity capital to assets | 14.2515% | 1,016 |
| Core capital (leverage) ratio | 14.6879% | 745 |
| Tier 1 risk-based capital ratio | 20.9867% | 1,169 |
| Total risk-based capital ratio | 21.6467% | 1,237 |
| Memoranda: | ||
| Average total assets | $233,834,000 | 2,552 |
| Average earning assets | $215,451,800 | 2,566 |
| Average equity | $32,517,400 | 2,274 |
| Average total loans | $155,908,600 | 2,559 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 2,943 |
| Cost of funding earning assets | 0.4647% | 4,288 |
| Net interest margin | 4.0714% | 1,698 |
| Noninterest income to average assets | 0.4062% | 3,273 |
| Noninterest expense to average assets | 2.7631% | 2,678 |
| Loan and lease loss provision to assets | 0.0326% | 3,258 |
| Net operating income to assets | 1.1429% | 2,398 |
| Return on assets (ROA) | 1.1467% | 2,473 |
| Pretax return on assets | 1.3650% | 2,441 |
| Return on Equity (ROE) | 8.2982% | 3,192 |
| Retained earnings to average equity (ytd only) | 4.6266% | 3,092 |
| Net charge-offs to loans | 0.1574% | 1,053 |
| Credit loss provision to net charge-offs | 30.9783% | 2,911 |
| Earnings coverage of net charge-offs (x) | 13.2499% | 2,307 |
| Efficiency ratio | 66.4834% | 2,667 |
| Assets per employee ($millions) | 3.2809% | 4,683 |
| Cash dividends to net income (ytd only)* | 44.2452% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 4,741 |
| Loan loss allowance to noncurrent loans | 106.2302% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 2,459 |
| Noncurrent loans to loans | 0.6085% | 2,459 |
| Net loans and leases to total assets | 65.4607% | 3,118 |
| Net loans and leases to deposits | 77.5788% | 3,143 |
| Net loans and leases to core deposits | 80.6129% | 3,343 |
| Total domestic deposits to total assets | 84.3797% | 2,683 |
| Equity capital to assets | 13.9969% | 1,152 |
| Core capital (leverage) ratio | 14.5570% | 843 |
| Tier 1 risk-based capital ratio | 20.6057% | 1,257 |
| Total risk-based capital ratio | 21.2152% | 1,336 |
| Memoranda: | ||
| Average total assets | $233,354,750 | 2,581 |
| Average earning assets | $214,922,250 | 2,589 |
| Average equity | $32,247,250 | 2,300 |
| Average total loans | $155,848,500 | 2,587 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 2,873 |
| Cost of funding earning assets | 0.4464% | 4,338 |
| Net interest margin | 4.0977% | 1,614 |
| Noninterest income to average assets | 0.4105% | 3,210 |
| Noninterest expense to average assets | 2.8202% | 2,519 |
| Loan and lease loss provision to assets | 0.0559% | 2,708 |
| Net operating income to assets | 1.1021% | 2,515 |
| Return on assets (ROA) | 1.1050% | 2,577 |
| Pretax return on assets | 1.3141% | 2,504 |
| Return on Equity (ROE) | 8.0313% | 3,280 |
| Retained earnings to average equity (ytd only) | 5.3229% | 2,614 |
| Net charge-offs to loans | 0.2142% | 775 |
| Credit loss provision to net charge-offs | 38.9222% | 2,547 |
| Earnings coverage of net charge-offs (x) | 9.5090% | 2,334 |
| Efficiency ratio | 67.3587% | 2,631 |
| Assets per employee ($millions) | 3.2809% | 4,711 |
| Cash dividends to net income (ytd only)* | 33.7227% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,779 |
| Loan loss allowance to noncurrent loans | 104.7764% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 2,388 |
| Noncurrent loans to loans | 0.6298% | 2,369 |
| Net loans and leases to total assets | 66.6339% | 3,023 |
| Net loans and leases to deposits | 78.9929% | 3,060 |
| Net loans and leases to core deposits | 82.1023% | 3,263 |
| Total domestic deposits to total assets | 84.3543% | 2,737 |
| Equity capital to assets | 14.0500% | 1,099 |
| Core capital (leverage) ratio | 14.4759% | 829 |
| Tier 1 risk-based capital ratio | 19.4453% | 1,448 |
| Total risk-based capital ratio | 20.0394% | 1,569 |
| Memoranda: | ||
| Average total assets | $232,398,330 | 2,598 |
| Average earning assets | $214,171,000 | 2,608 |
| Average equity | $31,975,000 | 2,304 |
| Average total loans | $155,918,000 | 2,596 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 2,827 |
| Cost of funding earning assets | 0.4259% | 4,376 |
| Net interest margin | 4.0850% | 1,592 |
| Noninterest income to average assets | 0.3636% | 3,422 |
| Noninterest expense to average assets | 2.7830% | 2,628 |
| Loan and lease loss provision to assets | 0.0534% | 2,596 |
| Net operating income to assets | 1.0822% | 2,539 |
| Return on assets (ROA) | 1.0822% | 2,582 |
| Pretax return on assets | 1.2959% | 2,468 |
| Return on Equity (ROE) | 7.9499% | 3,285 |
| Retained earnings to average equity (ytd only) | 2.4685% | 3,934 |
| Net charge-offs to loans | 0.2440% | 595 |
| Credit loss provision to net charge-offs | 32.6316% | 2,073 |
| Earnings coverage of net charge-offs (x) | 8.2421% | 2,092 |
| Efficiency ratio | 67.3478% | 2,733 |
| Assets per employee ($millions) | 3.3002% | 4,743 |
| Cash dividends to net income (ytd only)* | 68.9490% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 4,803 |
| Loan loss allowance to noncurrent loans | 90.2110% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6235% | 2,207 |
| Noncurrent loans to loans | 0.7563% | 2,136 |
| Net loans and leases to total assets | 66.4163% | 2,986 |
| Net loans and leases to deposits | 78.3800% | 3,023 |
| Net loans and leases to core deposits | 81.4157% | 3,232 |
| Total domestic deposits to total assets | 84.7362% | 2,773 |
| Equity capital to assets | 13.6010% | 1,176 |
| Core capital (leverage) ratio | 14.3732% | 851 |
| Tier 1 risk-based capital ratio | 18.9508% | 1,553 |
| Total risk-based capital ratio | 19.5631% | 1,660 |
| Memoranda: | ||
| Average total assets | $232,124,500 | 2,624 |
| Average earning assets | $214,148,500 | 2,632 |
| Average equity | $31,598,000 | 2,323 |
| Average total loans | $155,751,000 | 2,630 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 2,877 |
| Cost of funding earning assets | 0.3942% | 4,020 |
| Net interest margin | 3.9718% | 2,084 |
| Noninterest income to average assets | 0.4645% | 3,026 |
| Noninterest expense to average assets | 2.6828% | 3,082 |
| Loan and lease loss provision to assets | 0.3266% | 485 |
| Net operating income to assets | 0.9748% | 3,120 |
| Return on assets (ROA) | 0.9803% | 3,098 |
| Pretax return on assets | 1.1364% | 3,146 |
| Return on Equity (ROE) | 7.5613% | 3,636 |
| Retained earnings to average equity (ytd only) | 4.4839% | 3,061 |
| Net charge-offs to loans | 0.3962% | 470 |
| Credit loss provision to net charge-offs | 127.1829% | 2,071 |
| Earnings coverage of net charge-offs (x) | 5.6722% | 3,168 |
| Efficiency ratio | 64.8099% | 3,066 |
| Assets per employee ($millions) | 3.3324% | 4,719 |
| Cash dividends to net income (ytd only)* | 40.6992% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 4,727 |
| Loan loss allowance to noncurrent loans | 91.0772% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.6054% | 2,224 |
| Noncurrent loans to loans | 0.8036% | 1,995 |
| Net loans and leases to total assets | 66.8351% | 3,023 |
| Net loans and leases to deposits | 78.3847% | 3,122 |
| Net loans and leases to core deposits | 81.6251% | 3,291 |
| Total domestic deposits to total assets | 85.2655% | 2,523 |
| Equity capital to assets | 13.6242% | 1,096 |
| Core capital (leverage) ratio | 14.1561% | 883 |
| Tier 1 risk-based capital ratio | 19.1286% | 1,494 |
| Total risk-based capital ratio | 19.7875% | 1,561 |
| Memoranda: | ||
| Average total assets | $236,359,800 | 2,567 |
| Average earning assets | $218,693,000 | 2,571 |
| Average equity | $30,642,800 | 2,302 |
| Average total loans | $153,194,200 | 2,610 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,907 |
| Cost of funding earning assets | 0.3861% | 3,966 |
| Net interest margin | 3.9305% | 2,196 |
| Noninterest income to average assets | 0.4410% | 3,228 |
| Noninterest expense to average assets | 2.6709% | 3,064 |
| Loan and lease loss provision to assets | 0.2975% | 496 |
| Net operating income to assets | 0.9604% | 3,266 |
| Return on assets (ROA) | 0.9609% | 3,276 |
| Pretax return on assets | 1.1122% | 3,348 |
| Return on Equity (ROE) | 7.5040% | 3,748 |
| Retained earnings to average equity (ytd only) | 3.3779% | 4,069 |
| Net charge-offs to loans | 0.3997% | 409 |
| Credit loss provision to net charge-offs | 115.9389% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.4913% | 2,955 |
| Efficiency ratio | 65.4628% | 2,965 |
| Assets per employee ($millions) | 3.3511% | 4,725 |
| Cash dividends to net income (ytd only)* | 54.9853% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 4,918 |
| Loan loss allowance to noncurrent loans | 72.1414% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6782% | 2,165 |
| Noncurrent loans to loans | 0.9381% | 1,814 |
| Net loans and leases to total assets | 65.1316% | 3,291 |
| Net loans and leases to deposits | 76.3276% | 3,392 |
| Net loans and leases to core deposits | 79.5109% | 3,536 |
| Total domestic deposits to total assets | 85.3316% | 2,475 |
| Equity capital to assets | 13.0442% | 1,315 |
| Core capital (leverage) ratio | 13.6820% | 1,037 |
| Tier 1 risk-based capital ratio | 18.7886% | 1,593 |
| Total risk-based capital ratio | 19.3943% | 1,706 |
| Memoranda: | ||
| Average total assets | $237,965,750 | 2,570 |
| Average earning assets | $220,322,250 | 2,573 |
| Average equity | $30,471,750 | 2,316 |
| Average total loans | $152,790,000 | 2,617 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2910% | 2,794 |
| Cost of funding earning assets | 0.3816% | 3,856 |
| Net interest margin | 3.9093% | 2,172 |
| Noninterest income to average assets | 0.4124% | 3,409 |
| Noninterest expense to average assets | 2.6751% | 3,097 |
| Loan and lease loss provision to assets | 0.1849% | 971 |
| Net operating income to assets | 1.0047% | 2,997 |
| Return on assets (ROA) | 1.0055% | 2,992 |
| Pretax return on assets | 1.1694% | 3,049 |
| Return on Equity (ROE) | 7.9003% | 3,539 |
| Retained earnings to average equity (ytd only) | 4.5548% | 3,318 |
| Net charge-offs to loans | 0.2309% | 695 |
| Credit loss provision to net charge-offs | 125.5682% | 1,754 |
| Earnings coverage of net charge-offs (x) | 9.1932% | 2,412 |
| Efficiency ratio | 66.4037% | 2,908 |
| Assets per employee ($millions) | 3.4180% | 4,698 |
| Cash dividends to net income (ytd only)* | 42.3461% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 5,008 |
| Loan loss allowance to noncurrent loans | 76.3952% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6909% | 2,162 |
| Noncurrent loans to loans | 0.8678% | 1,991 |
| Net loans and leases to total assets | 63.4400% | 3,458 |
| Net loans and leases to deposits | 74.3648% | 3,498 |
| Net loans and leases to core deposits | 77.5225% | 3,615 |
| Total domestic deposits to total assets | 85.3092% | 2,563 |
| Equity capital to assets | 12.8221% | 1,379 |
| Core capital (leverage) ratio | 13.4162% | 1,091 |
| Tier 1 risk-based capital ratio | 18.6650% | 1,633 |
| Total risk-based capital ratio | 19.2520% | 1,764 |
| Memoranda: | ||
| Average total assets | $239,094,670 | 2,569 |
| Average earning assets | $221,162,330 | 2,577 |
| Average equity | $30,429,330 | 2,326 |
| Average total loans | $152,444,670 | 2,639 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,676 |
| Cost of funding earning assets | 0.3836% | 3,706 |
| Net interest margin | 3.8742% | 2,143 |
| Noninterest income to average assets | 0.3632% | 3,713 |
| Noninterest expense to average assets | 2.6509% | 3,190 |
| Loan and lease loss provision to assets | 0.1188% | 1,588 |
| Net operating income to assets | 1.0111% | 2,815 |
| Return on assets (ROA) | 1.0125% | 2,829 |
| Pretax return on assets | 1.1782% | 2,850 |
| Return on Equity (ROE) | 7.9855% | 3,374 |
| Retained earnings to average equity (ytd only) | 1.2539% | 4,561 |
| Net charge-offs to loans | 0.3573% | 436 |
| Credit loss provision to net charge-offs | 52.2059% | 1,932 |
| Earnings coverage of net charge-offs (x) | 5.6912% | 2,213 |
| Efficiency ratio | 67.1756% | 2,972 |
| Assets per employee ($millions) | 3.4256% | 4,763 |
| Cash dividends to net income (ytd only)* | 84.2975% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5953% | 5,191 |
| Loan loss allowance to noncurrent loans | 88.7033% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6018% | 2,511 |
| Noncurrent loans to loans | 0.6711% | 2,539 |
| Net loans and leases to total assets | 62.8814% | 3,435 |
| Net loans and leases to deposits | 73.5220% | 3,464 |
| Net loans and leases to core deposits | 77.1163% | 3,562 |
| Total domestic deposits to total assets | 85.5274% | 2,739 |
| Equity capital to assets | 12.5747% | 1,440 |
| Core capital (leverage) ratio | 13.3274% | 1,060 |
| Tier 1 risk-based capital ratio | 18.5260% | 1,682 |
| Total risk-based capital ratio | 19.0551% | 1,838 |
| Memoranda: | ||
| Average total assets | $239,012,500 | 2,593 |
| Average earning assets | $221,052,500 | 2,603 |
| Average equity | $30,305,000 | 2,346 |
| Average total loans | $152,267,500 | 2,659 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,563 |
| Cost of funding earning assets | 0.4053% | 3,199 |
| Net interest margin | 3.8295% | 2,322 |
| Noninterest income to average assets | 0.4177% | 3,521 |
| Noninterest expense to average assets | 2.5321% | 3,673 |
| Loan and lease loss provision to assets | 0.2584% | 714 |
| Net operating income to assets | 0.9653% | 2,379 |
| Return on assets (ROA) | 0.9897% | 2,326 |
| Pretax return on assets | 1.2125% | 2,720 |
| Return on Equity (ROE) | 7.9513% | 2,815 |
| Retained earnings to average equity (ytd only) | 4.9313% | 2,167 |
| Net charge-offs to loans | 0.2641% | 986 |
| Credit loss provision to net charge-offs | 160.9375% | 1,658 |
| Earnings coverage of net charge-offs (x) | 8.9766% | 2,845 |
| Efficiency ratio | 63.7272% | 3,642 |
| Assets per employee ($millions) | 3.4527% | 4,763 |
| Cash dividends to net income (ytd only)* | 37.9806% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 5,183 |
| Loan loss allowance to noncurrent loans | 71.8101% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 1,935 |
| Noncurrent loans to loans | 0.8819% | 2,018 |
| Net loans and leases to total assets | 63.7524% | 3,392 |
| Net loans and leases to deposits | 73.8328% | 3,531 |
| Net loans and leases to core deposits | 77.6237% | 3,618 |
| Total domestic deposits to total assets | 86.3470% | 2,295 |
| Equity capital to assets | 12.7845% | 1,364 |
| Core capital (leverage) ratio | 13.1661% | 1,084 |
| Tier 1 risk-based capital ratio | 18.5735% | 1,626 |
| Total risk-based capital ratio | 19.1439% | 1,776 |
| Memoranda: | ||
| Average total assets | $239,168,200 | 2,568 |
| Average earning assets | $222,065,600 | 2,566 |
| Average equity | $29,768,800 | 2,371 |
| Average total loans | $145,378,400 | 2,703 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,565 |
| Cost of funding earning assets | 0.4051% | 3,134 |
| Net interest margin | 3.8079% | 2,368 |
| Noninterest income to average assets | 0.3976% | 3,700 |
| Noninterest expense to average assets | 2.5513% | 3,563 |
| Loan and lease loss provision to assets | 0.2373% | 751 |
| Net operating income to assets | 0.9010% | 3,020 |
| Return on assets (ROA) | 0.9173% | 3,001 |
| Pretax return on assets | 1.1684% | 3,025 |
| Return on Equity (ROE) | 7.4196% | 3,431 |
| Retained earnings to average equity (ytd only) | 3.3697% | 3,924 |
| Net charge-offs to loans | 0.2936% | 725 |
| Credit loss provision to net charge-offs | 134.8101% | 1,826 |
| Earnings coverage of net charge-offs (x) | 7.8703% | 2,832 |
| Efficiency ratio | 64.8132% | 3,402 |
| Assets per employee ($millions) | 3.4463% | 4,803 |
| Cash dividends to net income (ytd only)* | 54.5841% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 5,383 |
| Loan loss allowance to noncurrent loans | 128.8550% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,954 |
| Noncurrent loans to loans | 0.4394% | 3,391 |
| Net loans and leases to total assets | 61.4382% | 3,724 |
| Net loans and leases to deposits | 71.3434% | 3,845 |
| Net loans and leases to core deposits | 75.0658% | 3,883 |
| Total domestic deposits to total assets | 86.1161% | 2,260 |
| Equity capital to assets | 12.4476% | 1,682 |
| Core capital (leverage) ratio | 12.7982% | 1,294 |
| Tier 1 risk-based capital ratio | 18.2873% | 1,781 |
| Total risk-based capital ratio | 18.7912% | 1,941 |
| Memoranda: | ||
| Average total assets | $239,401,750 | 2,588 |
| Average earning assets | $222,479,500 | 2,581 |
| Average equity | $29,596,750 | 2,401 |
| Average total loans | $143,511,000 | 2,748 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1887% | 2,515 |
| Cost of funding earning assets | 0.4046% | 3,022 |
| Net interest margin | 3.7840% | 2,348 |
| Noninterest income to average assets | 0.3920% | 3,737 |
| Noninterest expense to average assets | 2.5629% | 3,540 |
| Loan and lease loss provision to assets | 0.2856% | 553 |
| Net operating income to assets | 0.8468% | 3,170 |
| Return on assets (ROA) | 0.8468% | 3,216 |
| Pretax return on assets | 1.0604% | 3,338 |
| Return on Equity (ROE) | 6.8653% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.1916% | 3,816 |
| Net charge-offs to loans | 0.2146% | 953 |
| Credit loss provision to net charge-offs | 224.3421% | 1,161 |
| Earnings coverage of net charge-offs (x) | 10.5724% | 2,336 |
| Efficiency ratio | 65.5667% | 3,421 |
| Assets per employee ($millions) | 3.4978% | 4,723 |
| Cash dividends to net income (ytd only)* | 53.5114% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6292% | 5,334 |
| Loan loss allowance to noncurrent loans | 63.9197% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 2,096 |
| Noncurrent loans to loans | 0.9844% | 1,993 |
| Net loans and leases to total assets | 60.3954% | 3,809 |
| Net loans and leases to deposits | 70.1667% | 3,900 |
| Net loans and leases to core deposits | 73.7920% | 3,956 |
| Total domestic deposits to total assets | 86.0742% | 2,351 |
| Equity capital to assets | 12.3824% | 1,681 |
| Core capital (leverage) ratio | 12.6280% | 1,327 |
| Tier 1 risk-based capital ratio | 18.3059% | 1,771 |
| Total risk-based capital ratio | 18.8626% | 1,927 |
| Memoranda: | ||
| Average total assets | $238,787,670 | 2,599 |
| Average earning assets | $221,932,330 | 2,601 |
| Average equity | $29,452,670 | 2,409 |
| Average total loans | $141,661,330 | 2,781 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 2,424 |
| Cost of funding earning assets | 0.4059% | 2,939 |
| Net interest margin | 3.7549% | 2,284 |
| Noninterest income to average assets | 0.3570% | 3,984 |
| Noninterest expense to average assets | 2.5549% | 3,644 |
| Loan and lease loss provision to assets | 0.2324% | 665 |
| Net operating income to assets | 0.8438% | 3,019 |
| Return on assets (ROA) | 0.8438% | 3,062 |
| Pretax return on assets | 1.0593% | 3,138 |
| Return on Equity (ROE) | 6.8544% | 3,468 |
| Retained earnings to average equity (ytd only) | -0.5473% | 5,007 |
| Net charge-offs to loans | 0.3191% | 581 |
| Credit loss provision to net charge-offs | 124.3243% | 1,356 |
| Earnings coverage of net charge-offs (x) | 6.9099% | 2,186 |
| Efficiency ratio | 66.4186% | 3,424 |
| Assets per employee ($millions) | 3.4981% | 4,789 |
| Cash dividends to net income (ytd only)* | 107.9840% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5401% | 5,558 |
| Loan loss allowance to noncurrent loans | 61.5696% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 2,420 |
| Noncurrent loans to loans | 0.8773% | 2,279 |
| Net loans and leases to total assets | 58.0561% | 3,971 |
| Net loans and leases to deposits | 67.1758% | 4,073 |
| Net loans and leases to core deposits | 70.5351% | 4,106 |
| Total domestic deposits to total assets | 86.4242% | 2,483 |
| Equity capital to assets | 12.1113% | 1,766 |
| Core capital (leverage) ratio | 12.5674% | 1,304 |
| Tier 1 risk-based capital ratio | 18.7180% | 1,686 |
| Total risk-based capital ratio | 19.1953% | 1,857 |
| Memoranda: | ||
| Average total assets | $237,506,000 | 2,640 |
| Average earning assets | $220,722,000 | 2,633 |
| Average equity | $29,236,500 | 2,428 |
| Average total loans | $139,148,000 | 2,835 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,859 |
| Cost of funding earning assets | 0.4270% | 2,739 |
| Net interest margin | 3.6720% | 2,812 |
| Noninterest income to average assets | 0.7552% | 1,938 |
| Noninterest expense to average assets | 2.7949% | 3,038 |
| Loan and lease loss provision to assets | 0.1307% | 1,905 |
| Net operating income to assets | 1.0797% | 1,984 |
| Return on assets (ROA) | 1.1182% | 1,914 |
| Pretax return on assets | 1.2954% | 2,299 |
| Return on Equity (ROE) | 8.9246% | 2,456 |
| Retained earnings to average equity (ytd only) | 6.1069% | 1,651 |
| Net charge-offs to loans | 0.1432% | 1,827 |
| Credit loss provision to net charge-offs | 160.1064% | 1,720 |
| Earnings coverage of net charge-offs (x) | 16.9202% | 2,084 |
| Efficiency ratio | 66.9232% | 3,452 |
| Assets per employee ($millions) | 3.4872% | 4,781 |
| Cash dividends to net income (ytd only)* | 31.5728% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 5,624 |
| Loan loss allowance to noncurrent loans | 55.1880% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 2,312 |
| Noncurrent loans to loans | 0.9679% | 2,153 |
| Net loans and leases to total assets | 58.4959% | 4,022 |
| Net loans and leases to deposits | 67.5082% | 4,127 |
| Net loans and leases to core deposits | 71.0773% | 4,144 |
| Total domestic deposits to total assets | 86.6501% | 2,311 |
| Equity capital to assets | 12.5149% | 1,520 |
| Core capital (leverage) ratio | 12.7790% | 1,220 |
| Tier 1 risk-based capital ratio | 19.0649% | 1,577 |
| Total risk-based capital ratio | 19.5331% | 1,745 |
| Memoranda: | ||
| Average total assets | $230,278,600 | 2,667 |
| Average earning assets | $214,544,000 | 2,654 |
| Average equity | $28,852,800 | 2,464 |
| Average total loans | $131,266,800 | 2,901 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,950 |
| Cost of funding earning assets | 0.4326% | 2,706 |
| Net interest margin | 3.6468% | 2,904 |
| Noninterest income to average assets | 0.8403% | 1,604 |
| Noninterest expense to average assets | 2.6801% | 3,398 |
| Loan and lease loss provision to assets | 0.0947% | 2,333 |
| Net operating income to assets | 1.2494% | 1,454 |
| Return on assets (ROA) | 1.2988% | 1,396 |
| Pretax return on assets | 1.5231% | 1,640 |
| Return on Equity (ROE) | 10.3628% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.5932% | 1,851 |
| Net charge-offs to loans | 0.1429% | 1,557 |
| Credit loss provision to net charge-offs | 117.2662% | 2,132 |
| Earnings coverage of net charge-offs (x) | 19.3092% | 1,941 |
| Efficiency ratio | 63.2127% | 4,036 |
| Assets per employee ($millions) | 3.5032% | 4,774 |
| Cash dividends to net income (ytd only)* | 36.3757% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4864% | 5,740 |
| Loan loss allowance to noncurrent loans | 69.8052% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 3,381 |
| Noncurrent loans to loans | 0.6968% | 2,941 |
| Net loans and leases to total assets | 56.2217% | 4,287 |
| Net loans and leases to deposits | 65.7116% | 4,371 |
| Net loans and leases to core deposits | 69.3847% | 4,371 |
| Total domestic deposits to total assets | 85.5584% | 2,576 |
| Equity capital to assets | 12.6804% | 1,662 |
| Core capital (leverage) ratio | 12.6358% | 1,345 |
| Tier 1 risk-based capital ratio | 19.3467% | 1,588 |
| Total risk-based capital ratio | 19.7691% | 1,749 |
| Memoranda: | ||
| Average total assets | $229,437,750 | 2,676 |
| Average earning assets | $213,878,750 | 2,667 |
| Average equity | $28,756,000 | 2,475 |
| Average total loans | $129,732,250 | 2,933 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,017 |
| Cost of funding earning assets | 0.4308% | 2,729 |
| Net interest margin | 3.6318% | 2,974 |
| Noninterest income to average assets | 0.4216% | 3,722 |
| Noninterest expense to average assets | 2.7846% | 3,073 |
| Loan and lease loss provision to assets | 0.0228% | 3,671 |
| Net operating income to assets | 0.7921% | 3,349 |
| Return on assets (ROA) | 0.8538% | 3,198 |
| Pretax return on assets | 1.0770% | 3,295 |
| Return on Equity (ROE) | 6.8402% | 3,630 |
| Retained earnings to average equity (ytd only) | 3.7931% | 3,475 |
| Net charge-offs to loans | 0.0714% | 2,163 |
| Credit loss provision to net charge-offs | 56.5217% | 2,611 |
| Earnings coverage of net charge-offs (x) | 25.2826% | 1,514 |
| Efficiency ratio | 73.1595% | 2,489 |
| Assets per employee ($millions) | 3.4692% | 4,802 |
| Cash dividends to net income (ytd only)* | 44.5473% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4602% | 5,839 |
| Loan loss allowance to noncurrent loans | 141.4118% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 4,377 |
| Noncurrent loans to loans | 0.3254% | 4,200 |
| Net loans and leases to total assets | 55.9251% | 4,321 |
| Net loans and leases to deposits | 65.1416% | 4,403 |
| Net loans and leases to core deposits | 68.7076% | 4,421 |
| Total domestic deposits to total assets | 85.8516% | 2,489 |
| Equity capital to assets | 12.4632% | 1,798 |
| Core capital (leverage) ratio | 12.3802% | 1,414 |
| Tier 1 risk-based capital ratio | 19.0106% | 1,693 |
| Total risk-based capital ratio | 19.4093% | 1,856 |
| Memoranda: | ||
| Average total assets | $227,678,000 | 2,700 |
| Average earning assets | $212,181,330 | 2,694 |
| Average equity | $28,420,330 | 2,500 |
| Average total loans | $128,774,000 | 2,955 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 2,966 |
| Cost of funding earning assets | 0.4372% | 2,705 |
| Net interest margin | 3.6328% | 2,951 |
| Noninterest income to average assets | 0.3746% | 4,038 |
| Noninterest expense to average assets | 2.6614% | 3,541 |
| Loan and lease loss provision to assets | 0.0231% | 3,382 |
| Net operating income to assets | 0.8469% | 3,001 |
| Return on assets (ROA) | 0.8469% | 3,131 |
| Pretax return on assets | 1.0830% | 3,160 |
| Return on Equity (ROE) | 6.7789% | 3,572 |
| Retained earnings to average equity (ytd only) | 0.6253% | 4,964 |
| Net charge-offs to loans | 0.0720% | 1,760 |
| Credit loss provision to net charge-offs | 56.5217% | 1,998 |
| Earnings coverage of net charge-offs (x) | 27.0870% | 1,254 |
| Efficiency ratio | 70.6409% | 3,018 |
| Assets per employee ($millions) | 3.3490% | 5,055 |
| Cash dividends to net income (ytd only)* | 90.7757% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4753% | 5,887 |
| Loan loss allowance to noncurrent loans | 108.5258% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 4,269 |
| Noncurrent loans to loans | 0.4380% | 3,873 |
| Net loans and leases to total assets | 56.1806% | 4,236 |
| Net loans and leases to deposits | 65.1184% | 4,329 |
| Net loans and leases to core deposits | 68.1798% | 4,390 |
| Total domestic deposits to total assets | 86.2745% | 2,554 |
| Equity capital to assets | 12.4612% | 1,708 |
| Core capital (leverage) ratio | 12.5749% | 1,306 |
| Tier 1 risk-based capital ratio | 19.2396% | 1,676 |
| Total risk-based capital ratio | 19.6570% | 1,836 |
| Memoranda: | ||
| Average total assets | $225,299,000 | 2,730 |
| Average earning assets | $210,417,500 | 2,714 |
| Average equity | $28,146,000 | 2,517 |
| Average total loans | $127,865,500 | 2,968 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,766 |
| Cost of funding earning assets | 0.4902% | 2,253 |
| Net interest margin | 3.6520% | 2,933 |
| Noninterest income to average assets | 0.5123% | 3,245 |
| Noninterest expense to average assets | 2.5913% | 3,958 |
| Loan and lease loss provision to assets | 0.0346% | 3,657 |
| Net operating income to assets | 0.9982% | 2,370 |
| Return on assets (ROA) | 1.0136% | 2,373 |
| Pretax return on assets | 1.3191% | 2,203 |
| Return on Equity (ROE) | 8.2109% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.4112% | 2,134 |
| Net charge-offs to loans | 0.1174% | 2,198 |
| Credit loss provision to net charge-offs | 52.4138% | 3,371 |
| Earnings coverage of net charge-offs (x) | 20.2000% | 1,894 |
| Efficiency ratio | 66.0209% | 3,899 |
| Assets per employee ($millions) | 3.2300% | 5,263 |
| Cash dividends to net income (ytd only)* | 34.0970% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 5,929 |
| Loan loss allowance to noncurrent loans | 146.8085% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,518 |
| Noncurrent loans to loans | 0.3326% | 4,267 |
| Net loans and leases to total assets | 56.7865% | 4,223 |
| Net loans and leases to deposits | 65.6835% | 4,343 |
| Net loans and leases to core deposits | 68.8854% | 4,385 |
| Total domestic deposits to total assets | 86.4548% | 2,404 |
| Equity capital to assets | 12.5249% | 1,611 |
| Core capital (leverage) ratio | 12.6293% | 1,294 |
| Tier 1 risk-based capital ratio | 19.2721% | 1,637 |
| Total risk-based capital ratio | 19.6976% | 1,789 |
| Memoranda: | ||
| Average total assets | $219,615,400 | 2,747 |
| Average earning assets | $205,228,200 | 2,726 |
| Average equity | $27,110,400 | 2,537 |
| Average total loans | $123,461,200 | 3,001 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,784 |
| Cost of funding earning assets | 0.5018% | 2,192 |
| Net interest margin | 3.6371% | 3,008 |
| Noninterest income to average assets | 0.3857% | 4,181 |
| Noninterest expense to average assets | 2.5934% | 3,907 |
| Loan and lease loss provision to assets | 0.0201% | 3,875 |
| Net operating income to assets | 0.9316% | 2,797 |
| Return on assets (ROA) | 0.9378% | 2,867 |
| Pretax return on assets | 1.1809% | 2,885 |
| Return on Equity (ROE) | 7.6254% | 3,273 |
| Retained earnings to average equity (ytd only) | 3.8647% | 3,714 |
| Net charge-offs to loans | 0.1110% | 2,018 |
| Credit loss provision to net charge-offs | 32.3529% | 3,253 |
| Earnings coverage of net charge-offs (x) | 19.1956% | 1,955 |
| Efficiency ratio | 68.4905% | 3,454 |
| Assets per employee ($millions) | 3.2848% | 5,147 |
| Cash dividends to net income (ytd only)* | 49.3175% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 6,026 |
| Loan loss allowance to noncurrent loans | 86.8531% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.3984% | 4,179 |
| Noncurrent loans to loans | 0.5663% | 3,641 |
| Net loans and leases to total assets | 56.2429% | 4,327 |
| Net loans and leases to deposits | 64.8553% | 4,480 |
| Net loans and leases to core deposits | 68.1202% | 4,531 |
| Total domestic deposits to total assets | 86.7205% | 2,177 |
| Equity capital to assets | 12.2471% | 1,912 |
| Core capital (leverage) ratio | 12.3601% | 1,484 |
| Tier 1 risk-based capital ratio | 19.0340% | 1,767 |
| Total risk-based capital ratio | 19.4648% | 1,939 |
| Memoranda: | ||
| Average total assets | $218,802,250 | 2,782 |
| Average earning assets | $204,592,750 | 2,745 |
| Average equity | $26,909,500 | 2,566 |
| Average total loans | $122,531,500 | 3,035 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 2,827 |
| Cost of funding earning assets | 0.5122% | 2,145 |
| Net interest margin | 3.6081% | 3,056 |
| Noninterest income to average assets | 0.3663% | 4,320 |
| Noninterest expense to average assets | 2.6160% | 3,864 |
| Loan and lease loss provision to assets | 0.0129% | 3,861 |
| Net operating income to assets | 0.8901% | 2,934 |
| Return on assets (ROA) | 0.8901% | 3,056 |
| Pretax return on assets | 1.1092% | 3,133 |
| Return on Equity (ROE) | 7.2270% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.9835% | 3,483 |
| Net charge-offs to loans | 0.1006% | 2,002 |
| Credit loss provision to net charge-offs | 22.9508% | 2,985 |
| Earnings coverage of net charge-offs (x) | 19.9836% | 1,728 |
| Efficiency ratio | 69.9828% | 3,335 |
| Assets per employee ($millions) | 3.2766% | 5,200 |
| Cash dividends to net income (ytd only)* | 44.8811% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 6,066 |
| Loan loss allowance to noncurrent loans | 104.2139% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 4,242 |
| Noncurrent loans to loans | 0.5009% | 3,960 |
| Net loans and leases to total assets | 55.8197% | 4,360 |
| Net loans and leases to deposits | 63.9452% | 4,545 |
| Net loans and leases to core deposits | 67.3778% | 4,543 |
| Total domestic deposits to total assets | 87.2930% | 2,014 |
| Equity capital to assets | 12.1850% | 1,883 |
| Core capital (leverage) ratio | 12.3040% | 1,482 |
| Tier 1 risk-based capital ratio | 20.2206% | 1,503 |
| Total risk-based capital ratio | 20.6988% | 1,653 |
| Memoranda: | ||
| Average total assets | $217,280,670 | 2,812 |
| Average earning assets | $203,045,670 | 2,786 |
| Average equity | $26,760,670 | 2,584 |
| Average total loans | $121,292,330 | 3,066 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 2,952 |
| Cost of funding earning assets | 0.5209% | 2,102 |
| Net interest margin | 3.5493% | 3,224 |
| Noninterest income to average assets | 0.4108% | 3,915 |
| Noninterest expense to average assets | 2.8072% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7698% | 3,430 |
| Return on assets (ROA) | 0.7698% | 3,566 |
| Pretax return on assets | 0.9197% | 3,814 |
| Return on Equity (ROE) | 6.2168% | 3,923 |
| Retained earnings to average equity (ytd only) | -0.2541% | 5,422 |
| Net charge-offs to loans | 0.1728% | 1,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.5577% | 2,001 |
| Efficiency ratio | 75.3227% | 2,605 |
| Assets per employee ($millions) | 3.3085% | 5,229 |
| Cash dividends to net income (ytd only)* | 104.0865% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 6,141 |
| Loan loss allowance to noncurrent loans | 113.9286% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 4,086 |
| Noncurrent loans to loans | 0.4683% | 4,175 |
| Net loans and leases to total assets | 54.4714% | 4,376 |
| Net loans and leases to deposits | 63.0134% | 4,481 |
| Net loans and leases to core deposits | 66.1668% | 4,501 |
| Total domestic deposits to total assets | 86.4442% | 2,694 |
| Equity capital to assets | 12.3280% | 1,804 |
| Core capital (leverage) ratio | 12.3599% | 1,423 |
| Tier 1 risk-based capital ratio | 20.3322% | 1,553 |
| Total risk-based capital ratio | 20.8191% | 1,678 |
| Memoranda: | ||
| Average total assets | $216,155,000 | 2,843 |
| Average earning assets | $201,953,500 | 2,814 |
| Average equity | $26,766,000 | 2,605 |
| Average total loans | $120,346,000 | 3,094 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 2,630 |
| Cost of funding earning assets | 0.5739% | 2,013 |
| Net interest margin | 3.7195% | 2,932 |
| Noninterest income to average assets | 0.4475% | 3,849 |
| Noninterest expense to average assets | 2.6772% | 3,957 |
| Loan and lease loss provision to assets | 0.0565% | 3,418 |
| Net operating income to assets | 0.9351% | 2,701 |
| Return on assets (ROA) | 0.9654% | 2,639 |
| Pretax return on assets | 1.2107% | 2,606 |
| Return on Equity (ROE) | 7.8353% | 3,217 |
| Retained earnings to average equity (ytd only) | 4.8840% | 2,690 |
| Net charge-offs to loans | 0.1010% | 3,062 |
| Credit loss provision to net charge-offs | 97.5207% | 2,490 |
| Earnings coverage of net charge-offs (x) | 21.2066% | 1,688 |
| Efficiency ratio | 67.5251% | 3,980 |
| Assets per employee ($millions) | 3.0564% | 5,625 |
| Cash dividends to net income (ytd only)* | 37.6675% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 6,186 |
| Loan loss allowance to noncurrent loans | 181.1024% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 4,298 |
| Noncurrent loans to loans | 0.3146% | 4,716 |
| Net loans and leases to total assets | 56.2843% | 4,296 |
| Net loans and leases to deposits | 64.9514% | 4,435 |
| Net loans and leases to core deposits | 67.9709% | 4,508 |
| Total domestic deposits to total assets | 86.6560% | 2,483 |
| Equity capital to assets | 12.4387% | 1,684 |
| Core capital (leverage) ratio | 12.4743% | 1,366 |
| Tier 1 risk-based capital ratio | 20.1574% | 1,562 |
| Total risk-based capital ratio | 20.6793% | 1,711 |
| Memoranda: | ||
| Average total assets | $208,724,000 | 2,890 |
| Average earning assets | $194,112,000 | 2,866 |
| Average equity | $25,716,800 | 2,592 |
| Average total loans | $119,856,000 | 3,047 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 2,580 |
| Cost of funding earning assets | 0.5812% | 2,009 |
| Net interest margin | 3.7299% | 2,905 |
| Noninterest income to average assets | 0.4513% | 3,887 |
| Noninterest expense to average assets | 2.7197% | 3,750 |
| Loan and lease loss provision to assets | 0.0559% | 3,255 |
| Net operating income to assets | 0.9138% | 2,846 |
| Return on assets (ROA) | 0.9334% | 2,852 |
| Pretax return on assets | 1.1654% | 2,926 |
| Return on Equity (ROE) | 7.5940% | 3,401 |
| Retained earnings to average equity (ytd only) | 3.6244% | 4,069 |
| Net charge-offs to loans | 0.1205% | 2,610 |
| Credit loss provision to net charge-offs | 80.5556% | 2,584 |
| Earnings coverage of net charge-offs (x) | 17.2403% | 1,918 |
| Efficiency ratio | 68.4392% | 3,776 |
| Assets per employee ($millions) | 3.1985% | 5,437 |
| Cash dividends to net income (ytd only)* | 52.2725% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 6,273 |
| Loan loss allowance to noncurrent loans | 512.9771% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 4,903 |
| Noncurrent loans to loans | 0.1094% | 5,605 |
| Net loans and leases to total assets | 56.4062% | 4,280 |
| Net loans and leases to deposits | 65.2480% | 4,409 |
| Net loans and leases to core deposits | 68.4265% | 4,464 |
| Total domestic deposits to total assets | 86.4490% | 2,615 |
| Equity capital to assets | 12.4676% | 1,722 |
| Core capital (leverage) ratio | 12.3328% | 1,494 |
| Tier 1 risk-based capital ratio | 19.9073% | 1,698 |
| Total risk-based capital ratio | 20.4204% | 1,834 |
| Memoranda: | ||
| Average total assets | $207,418,500 | 2,931 |
| Average earning assets | $192,707,250 | 2,902 |
| Average equity | $25,493,000 | 2,627 |
| Average total loans | $119,543,000 | 3,063 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,442 |
| Cost of funding earning assets | 0.5874% | 2,008 |
| Net interest margin | 3.7492% | 2,763 |
| Noninterest income to average assets | 0.4704% | 3,708 |
| Noninterest expense to average assets | 2.7683% | 3,619 |
| Loan and lease loss provision to assets | 0.0582% | 3,126 |
| Net operating income to assets | 0.8912% | 2,854 |
| Return on assets (ROA) | 0.9195% | 2,808 |
| Pretax return on assets | 1.1591% | 2,835 |
| Return on Equity (ROE) | 7.5185% | 3,359 |
| Retained earnings to average equity (ytd only) | 4.0844% | 3,575 |
| Net charge-offs to loans | 0.1172% | 2,494 |
| Credit loss provision to net charge-offs | 85.7143% | 2,250 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,737 |
| Efficiency ratio | 69.0815% | 3,821 |
| Assets per employee ($millions) | 3.1752% | 5,463 |
| Cash dividends to net income (ytd only)* | 45.6751% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 6,346 |
| Loan loss allowance to noncurrent loans | 509.7015% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 4,824 |
| Noncurrent loans to loans | 0.1124% | 5,678 |
| Net loans and leases to total assets | 56.5637% | 4,186 |
| Net loans and leases to deposits | 65.6400% | 4,307 |
| Net loans and leases to core deposits | 68.8135% | 4,390 |
| Total domestic deposits to total assets | 86.1726% | 2,952 |
| Equity capital to assets | 12.3959% | 1,707 |
| Core capital (leverage) ratio | 12.3461% | 1,477 |
| Tier 1 risk-based capital ratio | 19.9480% | 1,700 |
| Total risk-based capital ratio | 20.4746% | 1,833 |
| Memoranda: | ||
| Average total assets | $206,191,670 | 2,964 |
| Average earning assets | $191,347,330 | 2,931 |
| Average equity | $25,217,670 | 2,635 |
| Average total loans | $119,475,670 | 3,072 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,283 |
| Cost of funding earning assets | 0.5943% | 2,023 |
| Net interest margin | 3.7703% | 2,595 |
| Noninterest income to average assets | 0.4244% | 3,993 |
| Noninterest expense to average assets | 2.7794% | 3,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8978% | 2,667 |
| Return on assets (ROA) | 0.8978% | 2,728 |
| Pretax return on assets | 1.1442% | 2,720 |
| Return on Equity (ROE) | 7.3919% | 3,260 |
| Retained earnings to average equity (ytd only) | 0.4187% | 5,411 |
| Net charge-offs to loans | 0.1003% | 2,166 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,373 |
| Efficiency ratio | 69.8405% | 3,866 |
| Assets per employee ($millions) | 3.1465% | 5,606 |
| Cash dividends to net income (ytd only)* | 94.3355% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 6,452 |
| Loan loss allowance to noncurrent loans | 287.0130% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 4,794 |
| Noncurrent loans to loans | 0.1942% | 5,510 |
| Net loans and leases to total assets | 56.9671% | 4,005 |
| Net loans and leases to deposits | 65.9632% | 4,102 |
| Net loans and leases to core deposits | 69.0695% | 4,194 |
| Total domestic deposits to total assets | 86.3620% | 3,178 |
| Equity capital to assets | 12.1222% | 1,789 |
| Core capital (leverage) ratio | 12.4115% | 1,428 |
| Tier 1 risk-based capital ratio | 19.4902% | 1,838 |
| Total risk-based capital ratio | 19.9997% | 2,004 |
| Memoranda: | ||
| Average total assets | $204,506,500 | 3,002 |
| Average earning assets | $189,799,500 | 2,973 |
| Average equity | $24,838,000 | 2,661 |
| Average total loans | $119,604,000 | 3,078 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 2,120 |
| Cost of funding earning assets | 0.6683% | 2,051 |
| Net interest margin | 3.8548% | 2,457 |
| Noninterest income to average assets | 0.5303% | 3,547 |
| Noninterest expense to average assets | 2.7969% | 3,741 |
| Loan and lease loss provision to assets | 0.0448% | 4,231 |
| Net operating income to assets | 0.9819% | 2,412 |
| Return on assets (ROA) | 0.9927% | 2,426 |
| Pretax return on assets | 1.2686% | 2,276 |
| Return on Equity (ROE) | 8.2820% | 2,892 |
| Retained earnings to average equity (ytd only) | 4.9454% | 2,631 |
| Net charge-offs to loans | 0.1069% | 3,761 |
| Credit loss provision to net charge-offs | 71.6535% | 3,256 |
| Earnings coverage of net charge-offs (x) | 20.8031% | 1,522 |
| Efficiency ratio | 67.2911% | 4,328 |
| Assets per employee ($millions) | 2.9609% | 5,892 |
| Cash dividends to net income (ytd only)* | 40.2874% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 6,501 |
| Loan loss allowance to noncurrent loans | 131.2500% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 4,414 |
| Noncurrent loans to loans | 0.4391% | 4,908 |
| Net loans and leases to total assets | 59.3755% | 3,812 |
| Net loans and leases to deposits | 68.6929% | 3,952 |
| Net loans and leases to core deposits | 72.0965% | 4,055 |
| Total domestic deposits to total assets | 86.4361% | 3,030 |
| Equity capital to assets | 12.1692% | 1,700 |
| Core capital (leverage) ratio | 12.4294% | 1,393 |
| Tier 1 risk-based capital ratio | 19.4738% | 1,797 |
| Total risk-based capital ratio | 20.0069% | 1,952 |
| Memoranda: | ||
| Average total assets | $203,293,800 | 2,999 |
| Average earning assets | $188,076,600 | 2,980 |
| Average equity | $24,366,000 | 2,694 |
| Average total loans | $118,810,600 | 3,064 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5093% | 2,194 |
| Cost of funding earning assets | 0.6809% | 2,094 |
| Net interest margin | 3.8284% | 2,546 |
| Noninterest income to average assets | 0.5306% | 3,584 |
| Noninterest expense to average assets | 2.8180% | 3,600 |
| Loan and lease loss provision to assets | 0.0412% | 4,181 |
| Net operating income to assets | 0.9598% | 2,541 |
| Return on assets (ROA) | 0.9670% | 2,613 |
| Pretax return on assets | 1.2196% | 2,621 |
| Return on Equity (ROE) | 8.0989% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.6439% | 4,101 |
| Net charge-offs to loans | 0.1002% | 3,546 |
| Credit loss provision to net charge-offs | 70.7865% | 3,055 |
| Earnings coverage of net charge-offs (x) | 21.4950% | 1,545 |
| Efficiency ratio | 68.2637% | 4,049 |
| Assets per employee ($millions) | 3.0214% | 5,810 |
| Cash dividends to net income (ytd only)* | 55.0065% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 6,574 |
| Loan loss allowance to noncurrent loans | 100.1425% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 4,228 |
| Noncurrent loans to loans | 0.5893% | 4,728 |
| Net loans and leases to total assets | 57.6346% | 4,070 |
| Net loans and leases to deposits | 67.7465% | 4,096 |
| Net loans and leases to core deposits | 70.8312% | 4,233 |
| Total domestic deposits to total assets | 85.0740% | 3,705 |
| Equity capital to assets | 11.5452% | 2,271 |
| Core capital (leverage) ratio | 12.2042% | 1,561 |
| Tier 1 risk-based capital ratio | 18.9930% | 1,993 |
| Total risk-based capital ratio | 19.5323% | 2,184 |
| Memoranda: | ||
| Average total assets | $203,781,250 | 3,011 |
| Average earning assets | $188,375,000 | 3,002 |
| Average equity | $24,332,000 | 2,728 |
| Average total loans | $118,452,750 | 3,087 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 2,090 |
| Cost of funding earning assets | 0.6934% | 2,117 |
| Net interest margin | 3.8364% | 2,419 |
| Noninterest income to average assets | 0.4999% | 3,836 |
| Noninterest expense to average assets | 2.8127% | 3,629 |
| Loan and lease loss provision to assets | 0.0403% | 4,149 |
| Net operating income to assets | 0.9241% | 2,683 |
| Return on assets (ROA) | 0.9241% | 2,820 |
| Pretax return on assets | 1.1918% | 2,712 |
| Return on Equity (ROE) | 7.6541% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.6762% | 3,971 |
| Net charge-offs to loans | 0.0727% | 3,670 |
| Credit loss provision to net charge-offs | 95.3488% | 2,327 |
| Earnings coverage of net charge-offs (x) | 29.1163% | 1,171 |
| Efficiency ratio | 68.5401% | 4,090 |
| Assets per employee ($millions) | 3.0304% | 5,798 |
| Cash dividends to net income (ytd only)* | 51.9702% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 6,595 |
| Loan loss allowance to noncurrent loans | 107.8635% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7073% | 4,454 |
| Noncurrent loans to loans | 0.5706% | 4,832 |
| Net loans and leases to total assets | 57.8208% | 4,020 |
| Net loans and leases to deposits | 67.8803% | 4,033 |
| Net loans and leases to core deposits | 71.0012% | 4,167 |
| Total domestic deposits to total assets | 85.1805% | 3,809 |
| Equity capital to assets | 11.6304% | 2,188 |
| Core capital (leverage) ratio | 11.8922% | 1,675 |
| Tier 1 risk-based capital ratio | 18.8857% | 2,022 |
| Total risk-based capital ratio | 19.4456% | 2,208 |
| Memoranda: | ||
| Average total assets | $203,224,000 | 3,035 |
| Average earning assets | $187,781,330 | 3,021 |
| Average equity | $24,536,000 | 2,713 |
| Average total loans | $118,232,000 | 3,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 2,121 |
| Cost of funding earning assets | 0.7046% | 2,168 |
| Net interest margin | 3.8085% | 2,416 |
| Noninterest income to average assets | 0.4938% | 3,812 |
| Noninterest expense to average assets | 2.8586% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8951% | 2,680 |
| Return on assets (ROA) | 0.8951% | 2,828 |
| Pretax return on assets | 1.1548% | 2,744 |
| Return on Equity (ROE) | 7.2809% | 3,335 |
| Retained earnings to average equity (ytd only) | -0.5281% | 5,888 |
| Net charge-offs to loans | 0.0101% | 3,946 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 195.6667% | 205 |
| Efficiency ratio | 70.2451% | 3,928 |
| Assets per employee ($millions) | 3.0851% | 5,849 |
| Cash dividends to net income (ytd only)* | 107.2527% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 6,685 |
| Loan loss allowance to noncurrent loans | 150.9356% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 4,241 |
| Noncurrent loans to loans | 0.4082% | 5,396 |
| Net loans and leases to total assets | 56.6486% | 3,982 |
| Net loans and leases to deposits | 66.9103% | 3,924 |
| Net loans and leases to core deposits | 70.6230% | 3,990 |
| Total domestic deposits to total assets | 84.6636% | 4,194 |
| Equity capital to assets | 12.0390% | 2,011 |
| Core capital (leverage) ratio | 11.8815% | 1,632 |
| Tier 1 risk-based capital ratio | 18.3974% | 2,230 |
| Total risk-based capital ratio | 18.9536% | 2,445 |
| Memoranda: | ||
| Average total assets | $203,318,000 | 3,066 |
| Average earning assets | $187,896,000 | 3,045 |
| Average equity | $24,997,000 | 2,705 |
| Average total loans | $118,286,000 | 3,121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 2,502 |
| Cost of funding earning assets | 0.8040% | 2,633 |
| Net interest margin | 3.9188% | 2,751 |
| Noninterest income to average assets | 0.4595% | 4,177 |
| Noninterest expense to average assets | 2.7534% | 4,204 |
| Loan and lease loss provision to assets | 0.1583% | 3,637 |
| Net operating income to assets | 0.9334% | 2,629 |
| Return on assets (ROA) | 1.0116% | 2,501 |
| Pretax return on assets | 1.3525% | 2,197 |
| Return on Equity (ROE) | 8.1879% | 3,009 |
| Retained earnings to average equity (ytd only) | 5.2884% | 2,508 |
| Net charge-offs to loans | 0.3268% | 3,012 |
| Credit loss provision to net charge-offs | 81.2010% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.2167% | 2,656 |
| Efficiency ratio | 65.1865% | 4,670 |
| Assets per employee ($millions) | 2.9841% | 6,039 |
| Cash dividends to net income (ytd only)* | 35.4125% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 6,741 |
| Loan loss allowance to noncurrent loans | 102.1008% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0018% | 4,032 |
| Noncurrent loans to loans | 0.6013% | 5,020 |
| Net loans and leases to total assets | 59.0311% | 3,790 |
| Net loans and leases to deposits | 69.8330% | 3,734 |
| Net loans and leases to core deposits | 72.9986% | 3,920 |
| Total domestic deposits to total assets | 84.5317% | 4,076 |
| Equity capital to assets | 12.5588% | 1,667 |
| Core capital (leverage) ratio | 12.0064% | 1,561 |
| Tier 1 risk-based capital ratio | 18.6256% | 2,062 |
| Total risk-based capital ratio | 19.1906% | 2,249 |
| Memoranda: | ||
| Average total assets | $196,518,600 | 3,090 |
| Average earning assets | $185,567,800 | 3,022 |
| Average equity | $24,279,600 | 2,731 |
| Average total loans | $117,210,600 | 3,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 2,688 |
| Cost of funding earning assets | 0.8126% | 2,842 |
| Net interest margin | 3.9129% | 2,867 |
| Noninterest income to average assets | 0.4518% | 4,278 |
| Noninterest expense to average assets | 2.7468% | 4,189 |
| Loan and lease loss provision to assets | 0.1499% | 3,665 |
| Net operating income to assets | 0.9484% | 2,752 |
| Return on assets (ROA) | 1.0030% | 2,718 |
| Pretax return on assets | 1.3458% | 2,427 |
| Return on Equity (ROE) | 8.1530% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.2537% | 3,902 |
| Net charge-offs to loans | 0.2134% | 3,453 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | 11.1656% | 2,099 |
| Efficiency ratio | 64.8799% | 4,645 |
| Assets per employee ($millions) | 3.0305% | 6,005 |
| Cash dividends to net income (ytd only)* | 47.8259% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,753 |
| Loan loss allowance to noncurrent loans | 64.9533% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 4,440 |
| Noncurrent loans to loans | 1.0728% | 4,296 |
| Net loans and leases to total assets | 58.5330% | 4,039 |
| Net loans and leases to deposits | 69.3754% | 3,981 |
| Net loans and leases to core deposits | 72.3714% | 4,204 |
| Total domestic deposits to total assets | 84.3715% | 4,051 |
| Equity capital to assets | 12.1662% | 2,140 |
| Core capital (leverage) ratio | 11.7779% | 1,784 |
| Tier 1 risk-based capital ratio | 18.5315% | 2,158 |
| Total risk-based capital ratio | 19.1894% | 2,347 |
| Memoranda: | ||
| Average total assets | $195,665,250 | 3,130 |
| Average earning assets | $185,911,250 | 3,037 |
| Average equity | $24,072,250 | 2,774 |
| Average total loans | $116,825,500 | 3,188 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 2,580 |
| Cost of funding earning assets | 0.8281% | 2,969 |
| Net interest margin | 3.9530% | 2,711 |
| Noninterest income to average assets | 0.4669% | 4,155 |
| Noninterest expense to average assets | 2.8146% | 3,961 |
| Loan and lease loss provision to assets | 0.0787% | 4,624 |
| Net operating income to assets | 0.9951% | 2,490 |
| Return on assets (ROA) | 1.0300% | 2,560 |
| Pretax return on assets | 1.3757% | 2,305 |
| Return on Equity (ROE) | 8.3396% | 3,097 |
| Retained earnings to average equity (ytd only) | 5.1630% | 3,179 |
| Net charge-offs to loans | 0.2296% | 3,194 |
| Credit loss provision to net charge-offs | 57.1429% | 3,873 |
| Earnings coverage of net charge-offs (x) | 10.2256% | 2,081 |
| Efficiency ratio | 65.6533% | 4,591 |
| Assets per employee ($millions) | 2.8598% | 6,300 |
| Cash dividends to net income (ytd only)* | 38.0905% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 6,898 |
| Loan loss allowance to noncurrent loans | 48.6593% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 4,322 |
| Noncurrent loans to loans | 1.3037% | 3,966 |
| Net loans and leases to total assets | 59.0571% | 3,987 |
| Net loans and leases to deposits | 70.2818% | 3,855 |
| Net loans and leases to core deposits | 73.0146% | 4,164 |
| Total domestic deposits to total assets | 84.0290% | 4,308 |
| Equity capital to assets | 12.3937% | 1,885 |
| Core capital (leverage) ratio | 11.9879% | 1,607 |
| Tier 1 risk-based capital ratio | 18.7673% | 2,043 |
| Total risk-based capital ratio | 19.3660% | 2,231 |
| Memoranda: | ||
| Average total assets | $193,205,000 | 3,177 |
| Average earning assets | $183,556,670 | 3,078 |
| Average equity | $23,862,000 | 2,783 |
| Average total loans | $115,873,000 | 3,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8581% | 2,408 |
| Cost of funding earning assets | 0.8460% | 3,096 |
| Net interest margin | 4.0121% | 2,454 |
| Noninterest income to average assets | 0.4353% | 4,410 |
| Noninterest expense to average assets | 2.8230% | 3,934 |
| Loan and lease loss provision to assets | 0.0272% | 5,018 |
| Net operating income to assets | 1.1179% | 1,999 |
| Return on assets (ROA) | 1.1363% | 2,121 |
| Pretax return on assets | 1.4188% | 2,128 |
| Return on Equity (ROE) | 9.2171% | 2,724 |
| Retained earnings to average equity (ytd only) | 2.7838% | 4,865 |
| Net charge-offs to loans | 0.1910% | 2,963 |
| Credit loss provision to net charge-offs | 23.6364% | 3,726 |
| Earnings coverage of net charge-offs (x) | 12.3636% | 1,605 |
| Efficiency ratio | 65.5002% | 4,655 |
| Assets per employee ($millions) | 3.0633% | 6,035 |
| Cash dividends to net income (ytd only)* | 69.7974% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 6,936 |
| Loan loss allowance to noncurrent loans | 51.6327% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 4,594 |
| Noncurrent loans to loans | 1.2568% | 4,232 |
| Net loans and leases to total assets | 59.2737% | 3,812 |
| Net loans and leases to deposits | 70.3746% | 3,676 |
| Net loans and leases to core deposits | 73.2366% | 3,986 |
| Total domestic deposits to total assets | 84.2260% | 4,387 |
| Equity capital to assets | 12.0648% | 1,998 |
| Core capital (leverage) ratio | 12.0346% | 1,566 |
| Tier 1 risk-based capital ratio | 18.3935% | 2,175 |
| Total risk-based capital ratio | 19.0045% | 2,359 |
| Memoranda: | ||
| Average total assets | $191,144,500 | 3,220 |
| Average earning assets | $181,552,000 | 3,129 |
| Average equity | $23,565,000 | 2,799 |
| Average total loans | $115,170,000 | 3,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0430% | 2,687 |
| Cost of funding earning assets | 0.9989% | 3,391 |
| Net interest margin | 4.0441% | 2,655 |
| Noninterest income to average assets | 0.4615% | 4,127 |
| Noninterest expense to average assets | 2.9100% | 3,921 |
| Loan and lease loss provision to assets | 0.1804% | 4,392 |
| Net operating income to assets | 0.9371% | 2,459 |
| Return on assets (ROA) | 0.9775% | 2,428 |
| Pretax return on assets | 1.2682% | 2,247 |
| Return on Equity (ROE) | 8.2107% | 2,801 |
| Retained earnings to average equity (ytd only) | 5.0451% | 2,607 |
| Net charge-offs to loans | 0.2390% | 4,284 |
| Credit loss provision to net charge-offs | 128.6260% | 2,398 |
| Earnings coverage of net charge-offs (x) | 9.9542% | 1,906 |
| Efficiency ratio | 66.5589% | 4,643 |
| Assets per employee ($millions) | 2.9100% | 6,271 |
| Cash dividends to net income (ytd only)* | 38.5542% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7065% | 6,897 |
| Loan loss allowance to noncurrent loans | 52.1145% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 1.0417% | 4,524 |
| Noncurrent loans to loans | 1.3557% | 4,111 |
| Net loans and leases to total assets | 60.4460% | 3,908 |
| Net loans and leases to deposits | 71.0044% | 3,950 |
| Net loans and leases to core deposits | 73.6765% | 4,286 |
| Total domestic deposits to total assets | 85.1299% | 3,771 |
| Equity capital to assets | 12.6058% | 1,741 |
| Core capital (leverage) ratio | 12.1637% | 1,512 |
| Tier 1 risk-based capital ratio | 18.9370% | 1,914 |
| Total risk-based capital ratio | 19.6063% | 2,060 |
| Memoranda: | ||
| Average total assets | $186,801,600 | 3,238 |
| Average earning assets | $177,593,000 | 3,121 |
| Average equity | $22,239,200 | 2,866 |
| Average total loans | $109,633,000 | 3,392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 2,731 |
| Cost of funding earning assets | 1.0301% | 3,467 |
| Net interest margin | 4.0455% | 2,711 |
| Noninterest income to average assets | 0.4607% | 4,214 |
| Noninterest expense to average assets | 2.9299% | 3,803 |
| Loan and lease loss provision to assets | 0.1576% | 4,496 |
| Net operating income to assets | 0.9390% | 2,575 |
| Return on assets (ROA) | 0.9928% | 2,503 |
| Pretax return on assets | 1.2888% | 2,325 |
| Return on Equity (ROE) | 8.4632% | 2,845 |
| Retained earnings to average equity (ytd only) | 4.1829% | 3,756 |
| Net charge-offs to loans | 0.2159% | 4,088 |
| Credit loss provision to net charge-offs | 125.5682% | 2,556 |
| Earnings coverage of net charge-offs (x) | 10.9660% | 1,857 |
| Efficiency ratio | 67.0255% | 4,515 |
| Assets per employee ($millions) | 2.8449% | 6,410 |
| Cash dividends to net income (ytd only)* | 50.5746% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 6,979 |
| Loan loss allowance to noncurrent loans | 52.6999% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 4,767 |
| Noncurrent loans to loans | 1.3095% | 4,348 |
| Net loans and leases to total assets | 59.0916% | 4,305 |
| Net loans and leases to deposits | 69.5635% | 4,368 |
| Net loans and leases to core deposits | 72.1684% | 4,693 |
| Total domestic deposits to total assets | 84.9463% | 3,789 |
| Equity capital to assets | 12.2576% | 2,050 |
| Core capital (leverage) ratio | 12.0099% | 1,700 |
| Tier 1 risk-based capital ratio | 18.7117% | 2,024 |
| Total risk-based capital ratio | 19.3612% | 2,177 |
| Memoranda: | ||
| Average total assets | $186,942,250 | 3,247 |
| Average earning assets | $177,707,000 | 3,142 |
| Average equity | $21,929,750 | 2,894 |
| Average total loans | $108,697,500 | 3,447 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 2,660 |
| Cost of funding earning assets | 1.0689% | 3,484 |
| Net interest margin | 4.0356% | 2,672 |
| Noninterest income to average assets | 0.4489% | 4,293 |
| Noninterest expense to average assets | 2.9475% | 3,840 |
| Loan and lease loss provision to assets | 0.0911% | 5,178 |
| Net operating income to assets | 0.9770% | 2,327 |
| Return on assets (ROA) | 1.0146% | 2,265 |
| Pretax return on assets | 1.2932% | 2,156 |
| Return on Equity (ROE) | 8.7815% | 2,606 |
| Retained earnings to average equity (ytd only) | 5.2671% | 2,824 |
| Net charge-offs to loans | 0.1411% | 4,350 |
| Credit loss provision to net charge-offs | 111.8421% | 2,740 |
| Earnings coverage of net charge-offs (x) | 16.4079% | 1,346 |
| Efficiency ratio | 67.7839% | 4,559 |
| Assets per employee ($millions) | 2.9941% | 6,103 |
| Cash dividends to net income (ytd only)* | 40.0211% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,053 |
| Loan loss allowance to noncurrent loans | 105.4519% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 5,700 |
| Noncurrent loans to loans | 0.6371% | 5,654 |
| Net loans and leases to total assets | 58.5336% | 4,538 |
| Net loans and leases to deposits | 69.1635% | 4,546 |
| Net loans and leases to core deposits | 71.6362% | 4,860 |
| Total domestic deposits to total assets | 84.6308% | 4,059 |
| Equity capital to assets | 11.9981% | 2,090 |
| Core capital (leverage) ratio | 11.8157% | 1,711 |
| Tier 1 risk-based capital ratio | 18.6652% | 1,942 |
| Total risk-based capital ratio | 19.2869% | 2,117 |
| Memoranda: | ||
| Average total assets | $186,669,330 | 3,274 |
| Average earning assets | $177,371,670 | 3,171 |
| Average equity | $21,568,000 | 2,914 |
| Average total loans | $107,689,330 | 3,511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 2,735 |
| Cost of funding earning assets | 1.1149% | 3,422 |
| Net interest margin | 3.9652% | 2,847 |
| Noninterest income to average assets | 0.3889% | 4,794 |
| Noninterest expense to average assets | 2.9319% | 3,934 |
| Loan and lease loss provision to assets | 0.0150% | 5,733 |
| Net operating income to assets | 0.9902% | 2,214 |
| Return on assets (ROA) | 0.9937% | 2,253 |
| Pretax return on assets | 1.2159% | 2,320 |
| Return on Equity (ROE) | 8.7672% | 2,580 |
| Retained earnings to average equity (ytd only) | 1.6215% | 5,141 |
| Net charge-offs to loans | 0.1273% | 3,760 |
| Credit loss provision to net charge-offs | 20.5882% | 4,249 |
| Earnings coverage of net charge-offs (x) | 16.8824% | 1,245 |
| Efficiency ratio | 69.4758% | 4,381 |
| Assets per employee ($millions) | 2.8946% | 6,364 |
| Cash dividends to net income (ytd only)* | 81.5054% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6530% | 7,140 |
| Loan loss allowance to noncurrent loans | 54.5242% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 5,534 |
| Noncurrent loans to loans | 1.1976% | 4,685 |
| Net loans and leases to total assets | 56.5240% | 4,909 |
| Net loans and leases to deposits | 66.0955% | 4,964 |
| Net loans and leases to core deposits | 69.2858% | 5,133 |
| Total domestic deposits to total assets | 85.5186% | 3,775 |
| Equity capital to assets | 11.3068% | 2,408 |
| Core capital (leverage) ratio | 11.5781% | 1,804 |
| Tier 1 risk-based capital ratio | 18.3809% | 1,995 |
| Total risk-based capital ratio | 18.9766% | 2,176 |
| Memoranda: | ||
| Average total assets | $187,185,500 | 3,282 |
| Average earning assets | $177,946,000 | 3,185 |
| Average equity | $21,215,500 | 2,959 |
| Average total loans | $106,836,500 | 3,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 3,673 |
| Cost of funding earning assets | 1.2402% | 4,282 |
| Net interest margin | 3.9465% | 3,274 |
| Noninterest income to average assets | 0.4935% | 4,217 |
| Noninterest expense to average assets | 2.9863% | 3,899 |
| Loan and lease loss provision to assets | 0.0740% | 6,409 |
| Net operating income to assets | 0.9439% | 2,223 |
| Return on assets (ROA) | 0.9947% | 2,162 |
| Pretax return on assets | 1.2503% | 2,079 |
| Return on Equity (ROE) | 8.6857% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.8129% | 1,929 |
| Net charge-offs to loans | 0.1760% | 5,267 |
| Credit loss provision to net charge-offs | 74.0331% | 5,762 |
| Earnings coverage of net charge-offs (x) | 12.6188% | 1,485 |
| Efficiency ratio | 69.2488% | 4,328 |
| Assets per employee ($millions) | 2.8649% | 6,407 |
| Cash dividends to net income (ytd only)* | 33.0744% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 7,159 |
| Loan loss allowance to noncurrent loans | 58.6904% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6847% | 5,637 |
| Noncurrent loans to loans | 1.1602% | 4,784 |
| Net loans and leases to total assets | 56.8669% | 5,206 |
| Net loans and leases to deposits | 66.8208% | 5,289 |
| Net loans and leases to core deposits | 70.6776% | 5,380 |
| Total domestic deposits to total assets | 85.1036% | 3,794 |
| Equity capital to assets | 11.3614% | 2,364 |
| Core capital (leverage) ratio | 11.4872% | 1,841 |
| Tier 1 risk-based capital ratio | 18.4348% | 1,862 |
| Total risk-based capital ratio | 19.0585% | 2,023 |
| Memoranda: | ||
| Average total assets | $181,159,800 | 3,359 |
| Average earning assets | $172,305,200 | 3,238 |
| Average equity | $20,746,800 | 3,047 |
| Average total loans | $102,855,400 | 3,716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 3,897 |
| Cost of funding earning assets | 1.2575% | 4,512 |
| Net interest margin | 3.9299% | 3,407 |
| Noninterest income to average assets | 0.5025% | 4,167 |
| Noninterest expense to average assets | 3.0135% | 3,693 |
| Loan and lease loss provision to assets | 0.0689% | 6,376 |
| Net operating income to assets | 0.9247% | 2,519 |
| Return on assets (ROA) | 0.9620% | 2,491 |
| Pretax return on assets | 1.2029% | 2,473 |
| Return on Equity (ROE) | 8.3831% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.5339% | 3,319 |
| Net charge-offs to loans | 0.1622% | 5,024 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | 13.3306% | 1,590 |
| Efficiency ratio | 70.0297% | 4,063 |
| Assets per employee ($millions) | 2.9108% | 6,343 |
| Cash dividends to net income (ytd only)* | 45.9171% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 7,209 |
| Loan loss allowance to noncurrent loans | 51.3140% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8712% | 5,355 |
| Noncurrent loans to loans | 1.3495% | 4,606 |
| Net loans and leases to total assets | 57.1198% | 5,395 |
| Net loans and leases to deposits | 68.0612% | 5,413 |
| Net loans and leases to core deposits | 72.0362% | 5,506 |
| Total domestic deposits to total assets | 83.9241% | 4,173 |
| Equity capital to assets | 11.6898% | 2,366 |
| Core capital (leverage) ratio | 11.3082% | 2,059 |
| Tier 1 risk-based capital ratio | 17.9910% | 2,026 |
| Total risk-based capital ratio | 18.6287% | 2,177 |
| Memoranda: | ||
| Average total assets | $179,895,000 | 3,424 |
| Average earning assets | $171,027,750 | 3,303 |
| Average equity | $20,644,250 | 3,093 |
| Average total loans | $101,913,500 | 3,804 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 3,942 |
| Cost of funding earning assets | 1.2770% | 4,671 |
| Net interest margin | 3.9256% | 3,334 |
| Noninterest income to average assets | 0.5164% | 3,982 |
| Noninterest expense to average assets | 3.1086% | 3,281 |
| Loan and lease loss provision to assets | 0.0360% | 6,597 |
| Net operating income to assets | 0.8434% | 2,755 |
| Return on assets (ROA) | 0.8956% | 2,687 |
| Pretax return on assets | 1.1723% | 2,506 |
| Return on Equity (ROE) | 7.8553% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.6480% | 3,114 |
| Net charge-offs to loans | 0.1138% | 5,034 |
| Credit loss provision to net charge-offs | 56.1404% | 5,296 |
| Earnings coverage of net charge-offs (x) | 17.7719% | 1,318 |
| Efficiency ratio | 72.0869% | 3,796 |
| Assets per employee ($millions) | 2.9271% | 6,299 |
| Cash dividends to net income (ytd only)* | 40.8291% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7246% | 7,197 |
| Loan loss allowance to noncurrent loans | 75.4793% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6334% | 5,905 |
| Noncurrent loans to loans | 0.9599% | 5,388 |
| Net loans and leases to total assets | 55.5774% | 5,774 |
| Net loans and leases to deposits | 65.3964% | 5,882 |
| Net loans and leases to core deposits | 68.6885% | 6,001 |
| Total domestic deposits to total assets | 84.9853% | 3,638 |
| Equity capital to assets | 11.3147% | 2,586 |
| Core capital (leverage) ratio | 11.2539% | 2,066 |
| Tier 1 risk-based capital ratio | 18.2133% | 1,890 |
| Total risk-based capital ratio | 18.8719% | 2,037 |
| Memoranda: | ||
| Average total assets | $177,763,000 | 3,471 |
| Average earning assets | $168,993,330 | 3,356 |
| Average equity | $20,266,670 | 3,139 |
| Average total loans | $100,167,670 | 3,892 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 4,104 |
| Cost of funding earning assets | 1.2975% | 4,831 |
| Net interest margin | 3.8876% | 3,383 |
| Noninterest income to average assets | 0.4632% | 4,353 |
| Noninterest expense to average assets | 3.2401% | 2,731 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7040% | 3,426 |
| Return on assets (ROA) | 0.7040% | 3,535 |
| Pretax return on assets | 0.9264% | 3,361 |
| Return on Equity (ROE) | 6.1500% | 3,800 |
| Retained earnings to average equity (ytd only) | -0.3606% | 5,911 |
| Net charge-offs to loans | 0.1338% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.2424% | 1,581 |
| Efficiency ratio | 77.7655% | 2,934 |
| Assets per employee ($millions) | 3.0021% | 6,211 |
| Cash dividends to net income (ytd only)* | 105.8632% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 7,257 |
| Loan loss allowance to noncurrent loans | 48.1771% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 5,326 |
| Noncurrent loans to loans | 1.5469% | 4,425 |
| Net loans and leases to total assets | 53.8175% | 6,049 |
| Net loans and leases to deposits | 63.8367% | 6,065 |
| Net loans and leases to core deposits | 67.0967% | 6,196 |
| Total domestic deposits to total assets | 84.3050% | 3,995 |
| Equity capital to assets | 10.9355% | 2,820 |
| Core capital (leverage) ratio | 11.3877% | 1,972 |
| Tier 1 risk-based capital ratio | 18.3563% | 1,857 |
| Total risk-based capital ratio | 19.0296% | 1,971 |
| Memoranda: | ||
| Average total assets | $174,441,500 | 3,586 |
| Average earning assets | $166,168,000 | 3,462 |
| Average equity | $19,967,500 | 3,208 |
| Average total loans | $98,633,500 | 3,998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 4,114 |
| Cost of funding earning assets | 1.5746% | 5,156 |
| Net interest margin | 3.9310% | 3,155 |
| Noninterest income to average assets | 0.4954% | 4,452 |
| Noninterest expense to average assets | 2.8258% | 4,858 |
| Loan and lease loss provision to assets | 0.2952% | 5,066 |
| Net operating income to assets | 1.0023% | 1,832 |
| Return on assets (ROA) | 0.9061% | 2,220 |
| Pretax return on assets | 1.0290% | 2,496 |
| Return on Equity (ROE) | 7.6583% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.1159% | 1,761 |
| Net charge-offs to loans | 0.4917% | 3,802 |
| Credit loss provision to net charge-offs | 102.3555% | 5,401 |
| Earnings coverage of net charge-offs (x) | 4.9700% | 2,734 |
| Efficiency ratio | 66.3428% | 5,322 |
| Assets per employee ($millions) | 2.9080% | 6,435 |
| Cash dividends to net income (ytd only)* | 33.1970% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,162 |
| Loan loss allowance to noncurrent loans | 44.1714% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 4,986 |
| Noncurrent loans to loans | 1.7862% | 3,963 |
| Net loans and leases to total assets | 58.6402% | 5,546 |
| Net loans and leases to deposits | 71.5973% | 5,387 |
| Net loans and leases to core deposits | 89.8435% | 5,146 |
| Total domestic deposits to total assets | 81.9028% | 4,994 |
| Equity capital to assets | 12.0111% | 2,035 |
| Core capital (leverage) ratio | 12.4536% | 1,476 |
| Tier 1 risk-based capital ratio | 19.6337% | 1,538 |
| Total risk-based capital ratio | 20.3711% | 1,593 |
| Memoranda: | ||
| Average total assets | $161,898,800 | 3,735 |
| Average earning assets | $155,025,200 | 3,611 |
| Average equity | $19,155,800 | 3,320 |
| Average total loans | $94,968,200 | 4,086 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 4,110 |
| Cost of funding earning assets | 1.6313% | 5,250 |
| Net interest margin | 3.9253% | 3,139 |
| Noninterest income to average assets | 0.5153% | 4,363 |
| Noninterest expense to average assets | 2.8441% | 4,701 |
| Loan and lease loss provision to assets | 0.2601% | 4,873 |
| Net operating income to assets | 1.0106% | 2,016 |
| Return on assets (ROA) | 0.8823% | 2,563 |
| Pretax return on assets | 1.0215% | 2,832 |
| Return on Equity (ROE) | 7.4863% | 2,871 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,005 |
| Net charge-offs to loans | 0.5222% | 3,126 |
| Credit loss provision to net charge-offs | 85.0949% | 5,620 |
| Earnings coverage of net charge-offs (x) | 4.6802% | 3,042 |
| Efficiency ratio | 66.5310% | 5,283 |
| Assets per employee ($millions) | 3.0092% | 6,144 |
| Cash dividends to net income (ytd only)* | 45.7280% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 7,310 |
| Loan loss allowance to noncurrent loans | 45.8495% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,207 |
| Noncurrent loans to loans | 1.5901% | 4,252 |
| Net loans and leases to total assets | 58.1655% | 5,864 |
| Net loans and leases to deposits | 70.5250% | 5,841 |
| Net loans and leases to core deposits | 88.5296% | 5,590 |
| Total domestic deposits to total assets | 82.4751% | 4,466 |
| Equity capital to assets | 11.9294% | 2,278 |
| Core capital (leverage) ratio | 12.2612% | 1,675 |
| Tier 1 risk-based capital ratio | 19.4601% | 1,656 |
| Total risk-based capital ratio | 20.1420% | 1,731 |
| Memoranda: | ||
| Average total assets | $160,934,750 | 3,779 |
| Average earning assets | $154,142,500 | 3,651 |
| Average equity | $18,967,500 | 3,377 |
| Average total loans | $94,217,250 | 4,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5976% | 4,090 |
| Cost of funding earning assets | 1.6923% | 5,312 |
| Net interest margin | 3.9053% | 3,092 |
| Noninterest income to average assets | 0.5056% | 4,397 |
| Noninterest expense to average assets | 2.9057% | 4,481 |
| Loan and lease loss provision to assets | 0.3776% | 3,664 |
| Net operating income to assets | 0.9473% | 2,287 |
| Return on assets (ROA) | 0.8280% | 2,840 |
| Pretax return on assets | 0.8368% | 3,550 |
| Return on Equity (ROE) | 7.0556% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.1585% | 2,980 |
| Net charge-offs to loans | 0.5038% | 2,816 |
| Credit loss provision to net charge-offs | 128.0851% | 3,632 |
| Earnings coverage of net charge-offs (x) | 4.5277% | 3,078 |
| Efficiency ratio | 68.5207% | 5,063 |
| Assets per employee ($millions) | 2.8904% | 6,416 |
| Cash dividends to net income (ytd only)* | 41.0606% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,910 |
| Loan loss allowance to noncurrent loans | 64.2358% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 5,324 |
| Noncurrent loans to loans | 1.3516% | 4,510 |
| Net loans and leases to total assets | 57.3825% | 6,050 |
| Net loans and leases to deposits | 68.4200% | 6,143 |
| Net loans and leases to core deposits | 86.2583% | 5,878 |
| Total domestic deposits to total assets | 83.8681% | 3,836 |
| Equity capital to assets | 11.5439% | 2,515 |
| Core capital (leverage) ratio | 12.1996% | 1,748 |
| Tier 1 risk-based capital ratio | 19.3254% | 1,715 |
| Total risk-based capital ratio | 20.1259% | 1,758 |
| Memoranda: | ||
| Average total assets | $159,410,670 | 3,839 |
| Average earning assets | $152,459,330 | 3,693 |
| Average equity | $18,708,670 | 3,437 |
| Average total loans | $93,298,000 | 4,197 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 3,990 |
| Cost of funding earning assets | 1.7372% | 5,439 |
| Net interest margin | 3.9234% | 2,958 |
| Noninterest income to average assets | 0.5538% | 3,889 |
| Noninterest expense to average assets | 2.9501% | 3,974 |
| Loan and lease loss provision to assets | 0.4517% | 2,661 |
| Net operating income to assets | 0.9723% | 2,431 |
| Return on assets (ROA) | 0.9723% | 2,554 |
| Pretax return on assets | 0.8983% | 3,722 |
| Return on Equity (ROE) | 8.2141% | 3,051 |
| Retained earnings to average equity (ytd only) | 2.3715% | 4,557 |
| Net charge-offs to loans | 0.4075% | 2,474 |
| Credit loss provision to net charge-offs | 188.2979% | 2,329 |
| Earnings coverage of net charge-offs (x) | 5.6277% | 2,640 |
| Efficiency ratio | 68.6053% | 4,851 |
| Assets per employee ($millions) | 2.7907% | 6,668 |
| Cash dividends to net income (ytd only)* | 71.1286% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,753 |
| Loan loss allowance to noncurrent loans | 101.8072% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 5,757 |
| Noncurrent loans to loans | 0.8839% | 5,237 |
| Net loans and leases to total assets | 58.5022% | 5,867 |
| Net loans and leases to deposits | 68.9262% | 6,086 |
| Net loans and leases to core deposits | 86.0639% | 5,894 |
| Total domestic deposits to total assets | 84.8766% | 3,264 |
| Equity capital to assets | 11.6646% | 2,469 |
| Core capital (leverage) ratio | 12.5512% | 1,669 |
| Tier 1 risk-based capital ratio | 19.5897% | 1,701 |
| Total risk-based capital ratio | 20.4295% | 1,741 |
| Memoranda: | ||
| Average total assets | $156,739,000 | 3,885 |
| Average earning assets | $149,667,500 | 3,760 |
| Average equity | $18,553,500 | 3,479 |
| Average total loans | $92,263,000 | 4,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0067% | 5,519 |
| Cost of funding earning assets | 2.1394% | 5,878 |
| Net interest margin | 3.8673% | 3,716 |
| Noninterest income to average assets | 0.5469% | 4,254 |
| Noninterest expense to average assets | 2.8473% | 4,616 |
| Loan and lease loss provision to assets | 0.1995% | 4,899 |
| Net operating income to assets | 0.9380% | 2,841 |
| Return on assets (ROA) | 0.9390% | 2,695 |
| Pretax return on assets | 1.1681% | 2,776 |
| Return on Equity (ROE) | 8.1561% | 3,002 |
| Retained earnings to average equity (ytd only) | 4.6029% | 2,262 |
| Net charge-offs to loans | 0.4466% | 2,595 |
| Credit loss provision to net charge-offs | 77.6961% | 5,945 |
| Earnings coverage of net charge-offs (x) | 5.3211% | 3,684 |
| Efficiency ratio | 67.5728% | 4,805 |
| Assets per employee ($millions) | 2.6622% | 6,864 |
| Cash dividends to net income (ytd only)* | 43.5657% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,939 |
| Loan loss allowance to noncurrent loans | 91.9180% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 5,565 |
| Noncurrent loans to loans | 0.9148% | 4,789 |
| Net loans and leases to total assets | 58.1962% | 6,176 |
| Net loans and leases to deposits | 68.1850% | 6,444 |
| Net loans and leases to core deposits | 85.1462% | 6,197 |
| Total domestic deposits to total assets | 85.3504% | 2,685 |
| Equity capital to assets | 12.0150% | 2,281 |
| Core capital (leverage) ratio | 12.3966% | 1,789 |
| Tier 1 risk-based capital ratio | 20.2821% | 1,575 |
| Total risk-based capital ratio | 21.0705% | 1,606 |
| Memoranda: | ||
| Average total assets | $158,887,800 | 3,738 |
| Average earning assets | $150,648,800 | 3,644 |
| Average equity | $18,293,000 | 3,506 |
| Average total loans | $91,358,800 | 4,181 |