Home > Farmers Bank and Trust Company > Performance and Condition Ratios
Farmers Bank and Trust Company, 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 | 5.8804% | 739 |
| Cost of funding earning assets | 1.5615% | 1,789 |
| Net interest margin | 4.3189% | 787 |
| Noninterest income to average assets | 1.9900% | 268 |
| Noninterest expense to average assets | 2.1597% | 3,223 |
| Loan and lease loss provision to assets | 0.5600% | 149 |
| Net operating income to assets | 3.3643% | 133 |
| Return on assets (ROA) | 3.3638% | 130 |
| Pretax return on assets | 3.3638% | 156 |
| Return on Equity (ROE) | 36.5100% | 111 |
| Retained earnings to average equity (ytd only) | 11.5797% | 688 |
| Net charge-offs to loans | 0.1517% | 681 |
| Credit loss provision to net charge-offs | 447.9638% | 727 |
| Earnings coverage of net charge-offs (x) | 32.5475% | 1,585 |
| Efficiency ratio | 35.5090% | 4,444 |
| Assets per employee ($millions) | 8.6829% | 1,117 |
| Cash dividends to net income (ytd only)* | 68.2824% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 372 |
| Loan loss allowance to noncurrent loans | 1,240.5350% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 2,577 |
| Noncurrent loans to loans | 0.1612% | 2,715 |
| Net loans and leases to total assets | 75.6200% | 1,163 |
| Net loans and leases to deposits | 83.7531% | 1,801 |
| Net loans and leases to core deposits | 117.3336% | 704 |
| Total domestic deposits to total assets | 90.2900% | 684 |
| Equity capital to assets | 9.2690% | 2,500 |
| Core capital (leverage) ratio | 9.4328% | 3,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5611% | 2,041 |
| Memoranda: | ||
| Average total assets | $366,759,600 | 2,127 |
| Average earning assets | $347,683,200 | 2,104 |
| Average equity | $33,792,000 | 2,103 |
| Average total loans | $291,448,800 | 1,823 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 932 |
| Cost of funding earning assets | 1.3217% | 2,085 |
| Net interest margin | 4.2534% | 860 |
| Noninterest income to average assets | 2.3600% | 242 |
| Noninterest expense to average assets | 2.1905% | 3,108 |
| Loan and lease loss provision to assets | 0.6000% | 124 |
| Net operating income to assets | 3.6152% | 126 |
| Return on assets (ROA) | 3.6148% | 126 |
| Pretax return on assets | 3.6148% | 146 |
| Return on Equity (ROE) | 39.3000% | 119 |
| Retained earnings to average equity (ytd only) | 14.9900% | 556 |
| Net charge-offs to loans | 0.2003% | 439 |
| Credit loss provision to net charge-offs | 355.9908% | 786 |
| Earnings coverage of net charge-offs (x) | 26.2535% | 1,673 |
| Efficiency ratio | 34.2186% | 4,474 |
| Assets per employee ($millions) | 8.2872% | 1,215 |
| Cash dividends to net income (ytd only)* | 61.8546% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 598 |
| Loan loss allowance to noncurrent loans | 515.3634% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 1,829 |
| Noncurrent loans to loans | 0.3441% | 1,995 |
| Net loans and leases to total assets | 81.4000% | 487 |
| Net loans and leases to deposits | 90.4094% | 1,202 |
| Net loans and leases to core deposits | 143.8850% | 180 |
| Total domestic deposits to total assets | 90.0400% | 929 |
| Equity capital to assets | 9.3473% | 2,200 |
| Core capital (leverage) ratio | 10.2437% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1947% | 2,204 |
| Memoranda: | ||
| Average total assets | $360,766,750 | 2,158 |
| Average earning assets | $342,366,000 | 2,123 |
| Average equity | $33,185,750 | 2,117 |
| Average total loans | $288,938,750 | 1,839 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4037% | 951 |
| Cost of funding earning assets | 1.0267% | 2,514 |
| Net interest margin | 4.3770% | 724 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 1.9963% | 3,611 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 2.6263% | 214 |
| Return on assets (ROA) | 2.6258% | 213 |
| Pretax return on assets | 2.6258% | 303 |
| Return on Equity (ROE) | 28.7100% | 246 |
| Retained earnings to average equity (ytd only) | -0.9453% | 4,211 |
| Net charge-offs to loans | 0.0071% | 1,967 |
| Credit loss provision to net charge-offs | 1,300.0000% | 342 |
| Earnings coverage of net charge-offs (x) | 484.5000% | 303 |
| Efficiency ratio | 42.1700% | 4,332 |
| Assets per employee ($millions) | 7.5172% | 1,601 |
| Cash dividends to net income (ytd only)* | 103.2924% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 958 |
| Loan loss allowance to noncurrent loans | 397.4138% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 1,634 |
| Noncurrent loans to loans | 0.3992% | 1,733 |
| Net loans and leases to total assets | 79.2500% | 707 |
| Net loans and leases to deposits | 87.3505% | 1,395 |
| Net loans and leases to core deposits | 131.4082% | 310 |
| Total domestic deposits to total assets | 90.7300% | 720 |
| Equity capital to assets | 8.8636% | 2,618 |
| Core capital (leverage) ratio | 9.2334% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6389% | 2,422 |
| Memoranda: | ||
| Average total assets | $353,952,000 | 2,186 |
| Average earning assets | $336,622,000 | 2,156 |
| Average equity | $32,370,000 | 2,171 |
| Average total loans | $279,943,000 | 1,867 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,143 |
| Cost of funding earning assets | 0.7433% | 2,918 |
| Net interest margin | 4.3063% | 795 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.0085% | 3,613 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 2.5962% | 219 |
| Return on assets (ROA) | 2.5950% | 215 |
| Pretax return on assets | 2.5950% | 319 |
| Return on Equity (ROE) | 27.9300% | 292 |
| Retained earnings to average equity (ytd only) | 5.8224% | 2,815 |
| Net charge-offs to loans | 0.0058% | 1,750 |
| Credit loss provision to net charge-offs | -875.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | 582.5000% | 196 |
| Efficiency ratio | 43.0318% | 4,340 |
| Assets per employee ($millions) | 7.8595% | 1,427 |
| Cash dividends to net income (ytd only)* | 79.1557% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 955 |
| Loan loss allowance to noncurrent loans | 413.6617% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 1,678 |
| Noncurrent loans to loans | 0.3937% | 1,748 |
| Net loans and leases to total assets | 74.3700% | 1,152 |
| Net loans and leases to deposits | 82.0610% | 1,650 |
| Net loans and leases to core deposits | 105.9522% | 839 |
| Total domestic deposits to total assets | 90.6200% | 936 |
| Equity capital to assets | 9.0806% | 2,451 |
| Core capital (leverage) ratio | 9.9480% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3160% | 2,261 |
| Memoranda: | ||
| Average total assets | $350,516,000 | 2,232 |
| Average earning assets | $333,091,500 | 2,198 |
| Average equity | $32,564,000 | 2,181 |
| Average total loans | $274,631,500 | 1,907 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 935 |
| Cost of funding earning assets | 0.4261% | 1,895 |
| Net interest margin | 3.9422% | 875 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.0282% | 3,507 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 2.1458% | 234 |
| Return on assets (ROA) | 2.1442% | 226 |
| Pretax return on assets | 2.1442% | 352 |
| Return on Equity (ROE) | 22.5000% | 303 |
| Retained earnings to average equity (ytd only) | 6.3752% | 2,505 |
| Net charge-offs to loans | 0.2211% | 367 |
| Credit loss provision to net charge-offs | 35.5240% | 1,875 |
| Earnings coverage of net charge-offs (x) | 13.0036% | 2,085 |
| Efficiency ratio | 47.9007% | 4,246 |
| Assets per employee ($millions) | 7.2233% | 1,806 |
| Cash dividends to net income (ytd only)* | 71.6695% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6271% | 925 |
| Loan loss allowance to noncurrent loans | 509.0703% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 1,862 |
| Noncurrent loans to loans | 0.3196% | 2,002 |
| Net loans and leases to total assets | 79.9600% | 595 |
| Net loans and leases to deposits | 88.5947% | 1,137 |
| Net loans and leases to core deposits | 111.7426% | 552 |
| Total domestic deposits to total assets | 90.2500% | 1,260 |
| Equity capital to assets | 9.5136% | 1,997 |
| Core capital (leverage) ratio | 9.7921% | 2,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1032% | 2,329 |
| Memoranda: | ||
| Average total assets | $331,865,200 | 2,293 |
| Average earning assets | $313,810,000 | 2,267 |
| Average equity | $31,622,600 | 2,267 |
| Average total loans | $254,659,200 | 1,914 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 959 |
| Cost of funding earning assets | 0.3979% | 1,302 |
| Net interest margin | 3.7619% | 1,014 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.9642% | 3,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1303% | 235 |
| Return on assets (ROA) | 2.1287% | 233 |
| Pretax return on assets | 2.1287% | 360 |
| Return on Equity (ROE) | 22.3300% | 278 |
| Retained earnings to average equity (ytd only) | 9.1900% | 1,583 |
| Net charge-offs to loans | 0.2765% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.1973% | 1,997 |
| Efficiency ratio | 47.9720% | 4,274 |
| Assets per employee ($millions) | 6.9796% | 1,956 |
| Cash dividends to net income (ytd only)* | 58.8459% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,282 |
| Loan loss allowance to noncurrent loans | 426.3520% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 1,756 |
| Noncurrent loans to loans | 0.3523% | 1,973 |
| Net loans and leases to total assets | 83.1400% | 313 |
| Net loans and leases to deposits | 92.1432% | 759 |
| Net loans and leases to core deposits | 116.2861% | 327 |
| Total domestic deposits to total assets | 90.2300% | 1,556 |
| Equity capital to assets | 9.4781% | 1,897 |
| Core capital (leverage) ratio | 9.9738% | 2,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6867% | 2,580 |
| Memoranda: | ||
| Average total assets | $329,958,000 | 2,317 |
| Average earning assets | $311,927,750 | 2,291 |
| Average equity | $31,453,750 | 2,300 |
| Average total loans | $249,335,750 | 1,944 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 1,090 |
| Cost of funding earning assets | 0.4006% | 914 |
| Net interest margin | 3.5133% | 1,283 |
| Noninterest income to average assets | 0.5737% | 1,850 |
| Noninterest expense to average assets | 1.9660% | 3,531 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9279% | 257 |
| Return on assets (ROA) | 1.9261% | 256 |
| Pretax return on assets | 1.9261% | 443 |
| Return on Equity (ROE) | 20.1649% | 297 |
| Retained earnings to average equity (ytd only) | 7.3169% | 1,878 |
| Net charge-offs to loans | 0.4276% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.2218% | 1,907 |
| Efficiency ratio | 50.4885% | 4,219 |
| Assets per employee ($millions) | 7.0932% | 1,883 |
| Cash dividends to net income (ytd only)* | 63.7146% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,017 |
| Loan loss allowance to noncurrent loans | 405.9757% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 1,685 |
| Noncurrent loans to loans | 0.4110% | 1,888 |
| Net loans and leases to total assets | 78.5216% | 521 |
| Net loans and leases to deposits | 87.1816% | 896 |
| Net loans and leases to core deposits | 112.9806% | 298 |
| Total domestic deposits to total assets | 90.0667% | 1,684 |
| Equity capital to assets | 9.6535% | 1,908 |
| Core capital (leverage) ratio | 9.8257% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5166% | 2,288 |
| Memoranda: | ||
| Average total assets | $325,944,667 | 2,351 |
| Average earning assets | $308,026,667 | 2,337 |
| Average equity | $31,133,333 | 2,362 |
| Average total loans | $236,218,333 | 2,016 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 1,362 |
| Cost of funding earning assets | 0.4077% | 832 |
| Net interest margin | 3.2540% | 1,705 |
| Noninterest income to average assets | 0.4666% | 2,319 |
| Noninterest expense to average assets | 1.9044% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6392% | 465 |
| Return on assets (ROA) | 1.6367% | 467 |
| Pretax return on assets | 1.6367% | 776 |
| Return on Equity (ROE) | 17.2272% | 400 |
| Retained earnings to average equity (ytd only) | -8.6201% | 4,535 |
| Net charge-offs to loans | 0.0125% | 1,309 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 190.7143% | 443 |
| Efficiency ratio | 53.7422% | 4,076 |
| Assets per employee ($millions) | 6.7770% | 2,167 |
| Cash dividends to net income (ytd only)* | 150.0375% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 536 |
| Loan loss allowance to noncurrent loans | 486.5462% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 1,919 |
| Noncurrent loans to loans | 0.4280% | 1,957 |
| Net loans and leases to total assets | 68.6109% | 1,146 |
| Net loans and leases to deposits | 75.7139% | 1,477 |
| Net loans and leases to core deposits | 97.5986% | 589 |
| Total domestic deposits to total assets | 90.6187% | 1,234 |
| Equity capital to assets | 9.1332% | 2,597 |
| Core capital (leverage) ratio | 9.2926% | 3,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0385% | 2,187 |
| Memoranda: | ||
| Average total assets | $325,774,000 | 2,366 |
| Average earning assets | $308,050,500 | 2,344 |
| Average equity | $30,951,000 | 2,435 |
| Average total loans | $224,051,000 | 2,081 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 1,130 |
| Cost of funding earning assets | 0.5153% | 870 |
| Net interest margin | 3.6013% | 1,467 |
| Noninterest income to average assets | 1.0118% | 986 |
| Noninterest expense to average assets | 2.0011% | 3,671 |
| Loan and lease loss provision to assets | 0.1977% | 553 |
| Net operating income to assets | 2.2115% | 238 |
| Return on assets (ROA) | 2.2181% | 248 |
| Pretax return on assets | 2.2181% | 399 |
| Return on Equity (ROE) | 23.1371% | 169 |
| Retained earnings to average equity (ytd only) | 7.6266% | 1,687 |
| Net charge-offs to loans | 0.0163% | 1,973 |
| Credit loss provision to net charge-offs | 1,736.1111% | 344 |
| Earnings coverage of net charge-offs (x) | 211.5278% | 516 |
| Efficiency ratio | 45.3730% | 4,525 |
| Assets per employee ($millions) | 6.6557% | 2,191 |
| Cash dividends to net income (ytd only)* | 67.0375% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2528% | 413 |
| Loan loss allowance to noncurrent loans | 544.6689% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 2,147 |
| Noncurrent loans to loans | 0.4136% | 2,116 |
| Net loans and leases to total assets | 65.9096% | 1,480 |
| Net loans and leases to deposits | 73.3325% | 1,788 |
| Net loans and leases to core deposits | 94.8974% | 735 |
| Total domestic deposits to total assets | 89.8777% | 1,013 |
| Equity capital to assets | 9.8828% | 2,769 |
| Core capital (leverage) ratio | 9.7393% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6407% | 1,637 |
| Memoranda: | ||
| Average total assets | $316,078,400 | 2,359 |
| Average earning assets | $298,282,000 | 2,342 |
| Average equity | $30,302,000 | 2,514 |
| Average total loans | $220,923,000 | 2,095 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1249% | 1,248 |
| Cost of funding earning assets | 0.5302% | 913 |
| Net interest margin | 3.5946% | 1,610 |
| Noninterest income to average assets | 1.2059% | 781 |
| Noninterest expense to average assets | 1.9680% | 3,769 |
| Loan and lease loss provision to assets | 0.2643% | 331 |
| Net operating income to assets | 2.3627% | 257 |
| Return on assets (ROA) | 2.3720% | 262 |
| Pretax return on assets | 2.3720% | 409 |
| Return on Equity (ROE) | 24.9369% | 180 |
| Retained earnings to average equity (ytd only) | 8.4842% | 1,881 |
| Net charge-offs to loans | 0.0420% | 1,259 |
| Credit loss provision to net charge-offs | 892.8571% | 547 |
| Earnings coverage of net charge-offs (x) | 88.7286% | 932 |
| Efficiency ratio | 42.8295% | 4,631 |
| Assets per employee ($millions) | 6.5166% | 2,229 |
| Cash dividends to net income (ytd only)* | 65.9772% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 594 |
| Loan loss allowance to noncurrent loans | 417.9532% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,832 |
| Noncurrent loans to loans | 0.4868% | 2,095 |
| Net loans and leases to total assets | 74.1777% | 680 |
| Net loans and leases to deposits | 82.7043% | 1,050 |
| Net loans and leases to core deposits | 107.4184% | 382 |
| Total domestic deposits to total assets | 89.6902% | 920 |
| Equity capital to assets | 10.0058% | 2,894 |
| Core capital (leverage) ratio | 10.0427% | 2,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0673% | 2,336 |
| Memoranda: | ||
| Average total assets | $315,229,500 | 2,390 |
| Average earning assets | $297,214,500 | 2,370 |
| Average equity | $29,984,250 | 2,569 |
| Average total loans | $222,299,500 | 2,124 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 1,711 |
| Cost of funding earning assets | 0.5418% | 979 |
| Net interest margin | 3.3981% | 2,144 |
| Noninterest income to average assets | 0.4493% | 2,846 |
| Noninterest expense to average assets | 1.9257% | 3,905 |
| Loan and lease loss provision to assets | 0.0633% | 1,779 |
| Net operating income to assets | 1.6675% | 923 |
| Return on assets (ROA) | 1.6840% | 944 |
| Pretax return on assets | 1.6840% | 1,521 |
| Return on Equity (ROE) | 18.0124% | 653 |
| Retained earnings to average equity (ytd only) | -0.2640% | 4,546 |
| Net charge-offs to loans | 0.0653% | 967 |
| Credit loss provision to net charge-offs | 140.8451% | 1,186 |
| Earnings coverage of net charge-offs (x) | 38.5211% | 1,186 |
| Efficiency ratio | 52.6653% | 3,969 |
| Assets per employee ($millions) | 6.1318% | 2,489 |
| Cash dividends to net income (ytd only)* | 101.4656% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9124% | 719 |
| Loan loss allowance to noncurrent loans | 275.7225% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 1,600 |
| Noncurrent loans to loans | 0.6936% | 1,691 |
| Net loans and leases to total assets | 71.8177% | 995 |
| Net loans and leases to deposits | 79.7091% | 1,453 |
| Net loans and leases to core deposits | 106.1081% | 468 |
| Total domestic deposits to total assets | 90.0998% | 724 |
| Equity capital to assets | 9.5763% | 3,268 |
| Core capital (leverage) ratio | 9.3528% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1994% | 2,289 |
| Memoranda: | ||
| Average total assets | $316,039,667 | 2,383 |
| Average earning assets | $298,281,333 | 2,362 |
| Average equity | $29,546,333 | 2,596 |
| Average total loans | $217,450,667 | 2,162 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 1,822 |
| Cost of funding earning assets | 0.5625% | 1,038 |
| Net interest margin | 3.3407% | 2,275 |
| Noninterest income to average assets | 0.3354% | 3,424 |
| Noninterest expense to average assets | 1.8082% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6822% | 970 |
| Return on assets (ROA) | 1.7147% | 963 |
| Pretax return on assets | 1.7147% | 1,458 |
| Return on Equity (ROE) | 18.5563% | 663 |
| Retained earnings to average equity (ytd only) | 5.0608% | 3,206 |
| Net charge-offs to loans | -0.0056% | 3,436 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8042% | 4,013 |
| Assets per employee ($millions) | 6.5940% | 2,101 |
| Cash dividends to net income (ytd only)* | 72.7273% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 610 |
| Loan loss allowance to noncurrent loans | 221.4323% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 1,569 |
| Noncurrent loans to loans | 0.8976% | 1,509 |
| Net loans and leases to total assets | 66.4814% | 1,736 |
| Net loans and leases to deposits | 73.6394% | 2,144 |
| Net loans and leases to core deposits | 96.8281% | 852 |
| Total domestic deposits to total assets | 90.2797% | 682 |
| Equity capital to assets | 9.4125% | 3,280 |
| Core capital (leverage) ratio | 9.2648% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2554% | 1,831 |
| Memoranda: | ||
| Average total assets | $320,764,500 | 2,337 |
| Average earning assets | $302,930,500 | 2,311 |
| Average equity | $29,639,500 | 2,573 |
| Average total loans | $213,936,500 | 2,188 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 1,244 |
| Cost of funding earning assets | 1.1940% | 285 |
| Net interest margin | 3.3333% | 2,975 |
| Noninterest income to average assets | 0.4332% | 2,940 |
| Noninterest expense to average assets | 1.8858% | 4,343 |
| Loan and lease loss provision to assets | 0.3047% | 1,232 |
| Net operating income to assets | 1.3702% | 1,085 |
| Return on assets (ROA) | 1.3702% | 1,178 |
| Pretax return on assets | 1.3702% | 1,752 |
| Return on Equity (ROE) | 15.6316% | 549 |
| Retained earnings to average equity (ytd only) | 7.3039% | 1,281 |
| Net charge-offs to loans | 0.1053% | 1,415 |
| Credit loss provision to net charge-offs | 416.0173% | 1,396 |
| Earnings coverage of net charge-offs (x) | 22.8658% | 1,835 |
| Efficiency ratio | 52.9611% | 4,313 |
| Assets per employee ($millions) | 7.2226% | 1,435 |
| Cash dividends to net income (ytd only)* | 53.2747% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 588 |
| Loan loss allowance to noncurrent loans | 227.4133% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 1,830 |
| Noncurrent loans to loans | 0.8795% | 1,607 |
| Net loans and leases to total assets | 64.2798% | 2,325 |
| Net loans and leases to deposits | 70.8596% | 2,788 |
| Net loans and leases to core deposits | 92.5088% | 1,345 |
| Total domestic deposits to total assets | 90.7143% | 300 |
| Equity capital to assets | 9.0725% | 3,993 |
| Core capital (leverage) ratio | 8.8695% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1485% | 1,802 |
| Memoranda: | ||
| Average total assets | $315,361,400 | 2,211 |
| Average earning assets | $295,895,000 | 2,208 |
| Average equity | $27,642,800 | 2,627 |
| Average total loans | $219,284,800 | 2,105 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4799% | 1,626 |
| Cost of funding earning assets | 1.3181% | 228 |
| Net interest margin | 3.1619% | 3,588 |
| Noninterest income to average assets | 0.3932% | 3,113 |
| Noninterest expense to average assets | 1.8461% | 4,414 |
| Loan and lease loss provision to assets | 0.1556% | 2,454 |
| Net operating income to assets | 1.3514% | 1,228 |
| Return on assets (ROA) | 1.3514% | 1,327 |
| Pretax return on assets | 1.3514% | 1,873 |
| Return on Equity (ROE) | 15.5591% | 609 |
| Retained earnings to average equity (ytd only) | 6.7200% | 1,807 |
| Net charge-offs to loans | 0.0423% | 2,020 |
| Credit loss provision to net charge-offs | 521.4286% | 1,258 |
| Earnings coverage of net charge-offs (x) | 50.5286% | 1,187 |
| Efficiency ratio | 55.0572% | 4,031 |
| Assets per employee ($millions) | 6.6719% | 1,694 |
| Cash dividends to net income (ytd only)* | 56.8096% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 1,131 |
| Loan loss allowance to noncurrent loans | 196.9650% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 1,695 |
| Noncurrent loans to loans | 0.8072% | 1,808 |
| Net loans and leases to total assets | 75.5790% | 1,147 |
| Net loans and leases to deposits | 83.5387% | 1,956 |
| Net loans and leases to core deposits | 114.4231% | 537 |
| Total domestic deposits to total assets | 90.4719% | 291 |
| Equity capital to assets | 9.1996% | 3,952 |
| Core capital (leverage) ratio | 8.9507% | 3,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9057% | 2,246 |
| Memoranda: | ||
| Average total assets | $312,948,000 | 2,206 |
| Average earning assets | $292,943,250 | 2,201 |
| Average equity | $27,181,750 | 2,652 |
| Average total loans | $220,810,250 | 2,102 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 2,084 |
| Cost of funding earning assets | 1.2572% | 424 |
| Net interest margin | 3.1890% | 3,700 |
| Noninterest income to average assets | 0.4010% | 3,071 |
| Noninterest expense to average assets | 1.8239% | 4,529 |
| Loan and lease loss provision to assets | 0.1663% | 2,341 |
| Net operating income to assets | 1.4005% | 1,112 |
| Return on assets (ROA) | 1.4005% | 1,204 |
| Pretax return on assets | 1.4005% | 1,726 |
| Return on Equity (ROE) | 16.4499% | 496 |
| Retained earnings to average equity (ytd only) | 2.9144% | 3,425 |
| Net charge-offs to loans | 0.0458% | 1,834 |
| Credit loss provision to net charge-offs | 530.6122% | 1,180 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 1,107 |
| Efficiency ratio | 53.7910% | 4,201 |
| Assets per employee ($millions) | 7.7352% | 1,069 |
| Cash dividends to net income (ytd only)* | 82.2831% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 957 |
| Loan loss allowance to noncurrent loans | 162.1212% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 1,667 |
| Noncurrent loans to loans | 1.0009% | 1,552 |
| Net loans and leases to total assets | 66.7066% | 2,536 |
| Net loans and leases to deposits | 76.6954% | 2,787 |
| Net loans and leases to core deposits | 97.4613% | 1,457 |
| Total domestic deposits to total assets | 86.9761% | 1,629 |
| Equity capital to assets | 8.1825% | 4,643 |
| Core capital (leverage) ratio | 8.4876% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0048% | 2,180 |
| Memoranda: | ||
| Average total assets | $312,737,667 | 2,183 |
| Average earning assets | $293,196,667 | 2,164 |
| Average equity | $26,626,333 | 2,676 |
| Average total loans | $214,137,333 | 2,131 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,522 |
| Cost of funding earning assets | 1.3841% | 424 |
| Net interest margin | 3.3794% | 3,362 |
| Noninterest income to average assets | 0.4563% | 2,756 |
| Noninterest expense to average assets | 1.9871% | 4,419 |
| Loan and lease loss provision to assets | 0.0401% | 3,268 |
| Net operating income to assets | 1.5883% | 639 |
| Return on assets (ROA) | 1.5883% | 706 |
| Pretax return on assets | 1.5883% | 1,089 |
| Return on Equity (ROE) | 18.2510% | 251 |
| Retained earnings to average equity (ytd only) | 2.8753% | 3,131 |
| Net charge-offs to loans | 0.1671% | 789 |
| Credit loss provision to net charge-offs | 34.8837% | 2,126 |
| Earnings coverage of net charge-offs (x) | 14.1512% | 1,612 |
| Efficiency ratio | 54.9593% | 4,315 |
| Assets per employee ($millions) | 6.2976% | 1,461 |
| Cash dividends to net income (ytd only)* | 84.2460% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 817 |
| Loan loss allowance to noncurrent loans | 175.1259% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 1,829 |
| Noncurrent loans to loans | 0.9902% | 1,669 |
| Net loans and leases to total assets | 65.2016% | 2,907 |
| Net loans and leases to deposits | 75.9298% | 3,083 |
| Net loans and leases to core deposits | 100.7607% | 1,412 |
| Total domestic deposits to total assets | 85.8709% | 2,046 |
| Equity capital to assets | 8.6521% | 4,771 |
| Core capital (leverage) ratio | 8.5835% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6550% | 2,420 |
| Memoranda: | ||
| Average total assets | $298,931,500 | 2,219 |
| Average earning assets | $279,458,000 | 2,199 |
| Average equity | $26,015,000 | 2,706 |
| Average total loans | $205,815,500 | 2,141 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 705 |
| Cost of funding earning assets | 1.2844% | 800 |
| Net interest margin | 4.0891% | 1,571 |
| Noninterest income to average assets | 0.6278% | 2,102 |
| Noninterest expense to average assets | 2.3701% | 3,771 |
| Loan and lease loss provision to assets | 0.0594% | 2,850 |
| Net operating income to assets | 2.0031% | 350 |
| Return on assets (ROA) | 2.0031% | 362 |
| Pretax return on assets | 2.0031% | 600 |
| Return on Equity (ROE) | 21.3948% | 151 |
| Retained earnings to average equity (ytd only) | -1.2181% | 4,826 |
| Net charge-offs to loans | 0.2055% | 998 |
| Credit loss provision to net charge-offs | 37.3303% | 3,225 |
| Earnings coverage of net charge-offs (x) | 12.9706% | 2,383 |
| Efficiency ratio | 53.4697% | 4,476 |
| Assets per employee ($millions) | 6.1579% | 1,513 |
| Cash dividends to net income (ytd only)* | 105.6932% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 841 |
| Loan loss allowance to noncurrent loans | 193.6438% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 1,827 |
| Noncurrent loans to loans | 0.8647% | 1,780 |
| Net loans and leases to total assets | 70.2097% | 2,366 |
| Net loans and leases to deposits | 81.9049% | 2,569 |
| Net loans and leases to core deposits | 109.8853% | 858 |
| Total domestic deposits to total assets | 85.7209% | 2,181 |
| Equity capital to assets | 8.7543% | 4,802 |
| Core capital (leverage) ratio | 8.8027% | 4,665 |
| Tier 1 risk-based capital ratio | 12.0908% | 4,313 |
| Total risk-based capital ratio | 13.3459% | 4,191 |
| Memoranda: | ||
| Average total assets | $277,965,200 | 2,282 |
| Average earning assets | $258,636,400 | 2,285 |
| Average equity | $26,025,000 | 2,632 |
| Average total loans | $215,066,600 | 2,055 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4071% | 683 |
| Cost of funding earning assets | 1.2511% | 910 |
| Net interest margin | 4.1560% | 1,484 |
| Noninterest income to average assets | 0.6745% | 1,892 |
| Noninterest expense to average assets | 2.4306% | 3,608 |
| Loan and lease loss provision to assets | 0.0244% | 3,406 |
| Net operating income to assets | 2.0811% | 335 |
| Return on assets (ROA) | 2.0811% | 350 |
| Pretax return on assets | 2.0811% | 575 |
| Return on Equity (ROE) | 21.8446% | 170 |
| Retained earnings to average equity (ytd only) | -0.6753% | 4,829 |
| Net charge-offs to loans | 0.1808% | 946 |
| Credit loss provision to net charge-offs | 17.0648% | 2,982 |
| Earnings coverage of net charge-offs (x) | 14.7439% | 2,230 |
| Efficiency ratio | 53.5833% | 4,437 |
| Assets per employee ($millions) | 6.2582% | 1,419 |
| Cash dividends to net income (ytd only)* | 103.0914% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,098 |
| Loan loss allowance to noncurrent loans | 193.1781% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 1,789 |
| Noncurrent loans to loans | 0.8054% | 1,959 |
| Net loans and leases to total assets | 80.1610% | 826 |
| Net loans and leases to deposits | 94.5288% | 1,167 |
| Net loans and leases to core deposits | 128.4295% | 324 |
| Total domestic deposits to total assets | 84.8006% | 2,499 |
| Equity capital to assets | 9.2715% | 4,616 |
| Core capital (leverage) ratio | 9.3948% | 4,283 |
| Tier 1 risk-based capital ratio | 11.1867% | 4,830 |
| Total risk-based capital ratio | 12.4404% | 4,712 |
| Memoranda: | ||
| Average total assets | $273,561,750 | 2,326 |
| Average earning assets | $254,179,500 | 2,325 |
| Average equity | $26,062,250 | 2,636 |
| Average total loans | $216,068,500 | 2,067 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 822 |
| Cost of funding earning assets | 1.1761% | 1,062 |
| Net interest margin | 4.1187% | 1,557 |
| Noninterest income to average assets | 0.7717% | 1,434 |
| Noninterest expense to average assets | 2.4848% | 3,531 |
| Loan and lease loss provision to assets | 0.0369% | 3,075 |
| Net operating income to assets | 2.0772% | 344 |
| Return on assets (ROA) | 2.0772% | 358 |
| Pretax return on assets | 2.0772% | 585 |
| Return on Equity (ROE) | 21.5994% | 179 |
| Retained earnings to average equity (ytd only) | -1.6432% | 4,887 |
| Net charge-offs to loans | 0.2410% | 698 |
| Credit loss provision to net charge-offs | 19.6078% | 2,656 |
| Earnings coverage of net charge-offs (x) | 11.2275% | 2,215 |
| Efficiency ratio | 54.0302% | 4,468 |
| Assets per employee ($millions) | 5.7496% | 1,742 |
| Cash dividends to net income (ytd only)* | 107.6075% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6371% | 951 |
| Loan loss allowance to noncurrent loans | 192.1642% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 1,697 |
| Noncurrent loans to loans | 0.8519% | 1,897 |
| Net loans and leases to total assets | 78.4857% | 1,127 |
| Net loans and leases to deposits | 92.7970% | 1,405 |
| Net loans and leases to core deposits | 124.8812% | 413 |
| Total domestic deposits to total assets | 84.5778% | 2,652 |
| Equity capital to assets | 9.4337% | 4,469 |
| Core capital (leverage) ratio | 9.5619% | 4,090 |
| Tier 1 risk-based capital ratio | 11.5174% | 4,676 |
| Total risk-based capital ratio | 12.7718% | 4,567 |
| Memoranda: | ||
| Average total assets | $270,845,330 | 2,352 |
| Average earning assets | $251,679,000 | 2,351 |
| Average equity | $26,047,000 | 2,633 |
| Average total loans | $211,625,670 | 2,105 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 868 |
| Cost of funding earning assets | 1.1051% | 1,163 |
| Net interest margin | 4.1184% | 1,502 |
| Noninterest income to average assets | 0.9930% | 825 |
| Noninterest expense to average assets | 2.5526% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2633% | 235 |
| Return on assets (ROA) | 2.2633% | 245 |
| Pretax return on assets | 2.2633% | 384 |
| Return on Equity (ROE) | 23.3063% | 139 |
| Retained earnings to average equity (ytd only) | 0.2303% | 4,480 |
| Net charge-offs to loans | 0.0405% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 72.2857% | 828 |
| Efficiency ratio | 53.0031% | 4,618 |
| Assets per employee ($millions) | 5.7437% | 1,753 |
| Cash dividends to net income (ytd only)* | 99.0119% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8127% | 695 |
| Loan loss allowance to noncurrent loans | 245.9442% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 1,602 |
| Noncurrent loans to loans | 0.7370% | 2,180 |
| Net loans and leases to total assets | 76.0472% | 1,472 |
| Net loans and leases to deposits | 94.4432% | 1,122 |
| Net loans and leases to core deposits | 123.5959% | 433 |
| Total domestic deposits to total assets | 80.5216% | 4,070 |
| Equity capital to assets | 9.6790% | 4,109 |
| Core capital (leverage) ratio | 9.7720% | 3,840 |
| Tier 1 risk-based capital ratio | 12.2435% | 4,328 |
| Total risk-based capital ratio | 13.4998% | 4,191 |
| Memoranda: | ||
| Average total assets | $268,278,500 | 2,384 |
| Average earning assets | $249,030,500 | 2,388 |
| Average equity | $26,053,000 | 2,636 |
| Average total loans | $207,334,000 | 2,155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 913 |
| Cost of funding earning assets | 0.8300% | 1,392 |
| Net interest margin | 4.2367% | 1,308 |
| Noninterest income to average assets | 1.0534% | 851 |
| Noninterest expense to average assets | 2.6682% | 3,128 |
| Loan and lease loss provision to assets | 0.0481% | 3,218 |
| Net operating income to assets | 2.2559% | 229 |
| Return on assets (ROA) | 2.2559% | 221 |
| Pretax return on assets | 2.2559% | 318 |
| Return on Equity (ROE) | 22.9414% | 129 |
| Retained earnings to average equity (ytd only) | 4.1466% | 3,279 |
| Net charge-offs to loans | 0.0962% | 1,802 |
| Credit loss provision to net charge-offs | 63.1313% | 3,065 |
| Earnings coverage of net charge-offs (x) | 30.2222% | 1,593 |
| Efficiency ratio | 53.6627% | 4,645 |
| Assets per employee ($millions) | 5.4408% | 2,014 |
| Cash dividends to net income (ytd only)* | 81.9252% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 618 |
| Loan loss allowance to noncurrent loans | 259.2517% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 1,806 |
| Noncurrent loans to loans | 0.7150% | 2,200 |
| Net loans and leases to total assets | 75.6835% | 1,663 |
| Net loans and leases to deposits | 94.1220% | 1,261 |
| Net loans and leases to core deposits | 119.6621% | 556 |
| Total domestic deposits to total assets | 80.4101% | 4,010 |
| Equity capital to assets | 9.7438% | 3,913 |
| Core capital (leverage) ratio | 9.7454% | 3,861 |
| Tier 1 risk-based capital ratio | 12.6292% | 4,058 |
| Total risk-based capital ratio | 13.8867% | 3,937 |
| Memoranda: | ||
| Average total assets | $259,723,400 | 2,401 |
| Average earning assets | $240,236,800 | 2,407 |
| Average equity | $25,539,000 | 2,603 |
| Average total loans | $205,912,000 | 2,130 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 1,010 |
| Cost of funding earning assets | 0.7675% | 1,493 |
| Net interest margin | 4.1964% | 1,368 |
| Noninterest income to average assets | 1.0806% | 806 |
| Noninterest expense to average assets | 2.6356% | 3,182 |
| Loan and lease loss provision to assets | 0.0646% | 2,680 |
| Net operating income to assets | 2.2599% | 247 |
| Return on assets (ROA) | 2.2599% | 245 |
| Pretax return on assets | 2.2599% | 364 |
| Return on Equity (ROE) | 22.9282% | 136 |
| Retained earnings to average equity (ytd only) | 6.0558% | 2,628 |
| Net charge-offs to loans | 0.1074% | 1,411 |
| Credit loss provision to net charge-offs | 75.3012% | 2,580 |
| Earnings coverage of net charge-offs (x) | 27.0961% | 1,714 |
| Efficiency ratio | 53.1361% | 4,695 |
| Assets per employee ($millions) | 5.3931% | 2,021 |
| Cash dividends to net income (ytd only)* | 73.5879% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7316% | 823 |
| Loan loss allowance to noncurrent loans | 236.3469% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 1,794 |
| Noncurrent loans to loans | 0.7327% | 2,246 |
| Net loans and leases to total assets | 82.5276% | 626 |
| Net loans and leases to deposits | 105.4492% | 465 |
| Net loans and leases to core deposits | 132.9258% | 286 |
| Total domestic deposits to total assets | 78.2629% | 4,447 |
| Equity capital to assets | 9.8254% | 3,799 |
| Core capital (leverage) ratio | 10.1872% | 3,424 |
| Tier 1 risk-based capital ratio | 11.9572% | 4,525 |
| Total risk-based capital ratio | 13.2131% | 4,405 |
| Memoranda: | ||
| Average total assets | $258,004,000 | 2,430 |
| Average earning assets | $238,516,750 | 2,437 |
| Average equity | $25,429,500 | 2,622 |
| Average total loans | $205,994,000 | 2,140 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 1,187 |
| Cost of funding earning assets | 0.7282% | 1,482 |
| Net interest margin | 4.0982% | 1,566 |
| Noninterest income to average assets | 1.1129% | 770 |
| Noninterest expense to average assets | 2.6415% | 3,187 |
| Loan and lease loss provision to assets | 0.0977% | 1,983 |
| Net operating income to assets | 2.1648% | 272 |
| Return on assets (ROA) | 2.1648% | 265 |
| Pretax return on assets | 2.1648% | 415 |
| Return on Equity (ROE) | 21.9397% | 167 |
| Retained earnings to average equity (ytd only) | 4.2454% | 3,482 |
| Net charge-offs to loans | 0.0718% | 1,617 |
| Credit loss provision to net charge-offs | 173.6111% | 1,434 |
| Earnings coverage of net charge-offs (x) | 40.2083% | 1,292 |
| Efficiency ratio | 53.8645% | 4,707 |
| Assets per employee ($millions) | 5.1600% | 2,235 |
| Cash dividends to net income (ytd only)* | 80.6498% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7951% | 759 |
| Loan loss allowance to noncurrent loans | 212.2372% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 1,616 |
| Noncurrent loans to loans | 0.8458% | 2,031 |
| Net loans and leases to total assets | 85.1840% | 334 |
| Net loans and leases to deposits | 100.4037% | 779 |
| Net loans and leases to core deposits | 133.7548% | 267 |
| Total domestic deposits to total assets | 84.8415% | 2,732 |
| Equity capital to assets | 10.0367% | 3,586 |
| Core capital (leverage) ratio | 10.0991% | 3,481 |
| Tier 1 risk-based capital ratio | 11.6985% | 4,690 |
| Total risk-based capital ratio | 12.9551% | 4,559 |
| Memoranda: | ||
| Average total assets | $255,917,670 | 2,461 |
| Average earning assets | $236,739,000 | 2,455 |
| Average equity | $25,251,000 | 2,650 |
| Average total loans | $200,681,000 | 2,178 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6505% | 1,435 |
| Cost of funding earning assets | 0.6941% | 1,474 |
| Net interest margin | 3.9564% | 1,855 |
| Noninterest income to average assets | 1.1404% | 716 |
| Noninterest expense to average assets | 2.5635% | 3,448 |
| Loan and lease loss provision to assets | 0.1942% | 861 |
| Net operating income to assets | 2.0400% | 337 |
| Return on assets (ROA) | 2.0400% | 339 |
| Pretax return on assets | 2.0400% | 529 |
| Return on Equity (ROE) | 20.8512% | 203 |
| Retained earnings to average equity (ytd only) | 7.3845% | 2,112 |
| Net charge-offs to loans | 0.0418% | 1,704 |
| Credit loss provision to net charge-offs | 625.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 71.9000% | 759 |
| Efficiency ratio | 53.4326% | 4,852 |
| Assets per employee ($millions) | 4.8240% | 2,710 |
| Cash dividends to net income (ytd only)* | 64.5849% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1144% | 442 |
| Loan loss allowance to noncurrent loans | 171.2752% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0443% | 1,501 |
| Noncurrent loans to loans | 1.2345% | 1,473 |
| Net loans and leases to total assets | 72.2299% | 2,133 |
| Net loans and leases to deposits | 84.3104% | 2,357 |
| Net loans and leases to core deposits | 112.7521% | 853 |
| Total domestic deposits to total assets | 85.6714% | 2,684 |
| Equity capital to assets | 9.9084% | 3,691 |
| Core capital (leverage) ratio | 10.0395% | 3,486 |
| Tier 1 risk-based capital ratio | 13.3238% | 3,760 |
| Total risk-based capital ratio | 14.5843% | 3,668 |
| Memoranda: | ||
| Average total assets | $257,456,000 | 2,463 |
| Average earning assets | $237,995,500 | 2,468 |
| Average equity | $25,188,000 | 2,677 |
| Average total loans | $191,363,000 | 2,260 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5524% | 1,557 |
| Cost of funding earning assets | 0.5994% | 1,596 |
| Net interest margin | 3.9530% | 1,908 |
| Noninterest income to average assets | 0.6587% | 2,144 |
| Noninterest expense to average assets | 2.5507% | 3,605 |
| Loan and lease loss provision to assets | 0.1920% | 1,092 |
| Net operating income to assets | 1.5748% | 684 |
| Return on assets (ROA) | 1.5754% | 698 |
| Pretax return on assets | 1.6055% | 1,274 |
| Return on Equity (ROE) | 16.7726% | 415 |
| Retained earnings to average equity (ytd only) | -47.2058% | 5,656 |
| Net charge-offs to loans | 0.1191% | 1,854 |
| Credit loss provision to net charge-offs | 204.3269% | 1,337 |
| Earnings coverage of net charge-offs (x) | 19.1202% | 2,037 |
| Efficiency ratio | 57.7605% | 4,555 |
| Assets per employee ($millions) | 4.8008% | 2,732 |
| Cash dividends to net income (ytd only)* | 381.4454% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 539 |
| Loan loss allowance to noncurrent loans | 144.3866% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,378 |
| Noncurrent loans to loans | 1.3861% | 1,244 |
| Net loans and leases to total assets | 73.3611% | 2,034 |
| Net loans and leases to deposits | 85.3178% | 2,338 |
| Net loans and leases to core deposits | 112.3416% | 882 |
| Total domestic deposits to total assets | 85.9856% | 2,439 |
| Equity capital to assets | 9.6601% | 4,076 |
| Core capital (leverage) ratio | 9.1040% | 4,518 |
| Tier 1 risk-based capital ratio | 13.2011% | 3,791 |
| Total risk-based capital ratio | 14.4610% | 3,711 |
| Memoranda: | ||
| Average total assets | $442,669,400 | 1,567 |
| Average earning assets | $413,075,600 | 1,555 |
| Average equity | $41,579,600 | 1,793 |
| Average total loans | $349,400,400 | 1,378 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,266 |
| Cost of funding earning assets | 0.6107% | 1,456 |
| Net interest margin | 4.0323% | 1,597 |
| Noninterest income to average assets | 0.5895% | 2,538 |
| Noninterest expense to average assets | 2.5960% | 3,421 |
| Loan and lease loss provision to assets | 0.1638% | 1,240 |
| Net operating income to assets | 1.5598% | 785 |
| Return on assets (ROA) | 1.5603% | 803 |
| Pretax return on assets | 1.5966% | 1,437 |
| Return on Equity (ROE) | 16.6744% | 463 |
| Retained earnings to average equity (ytd only) | 4.5295% | 3,203 |
| Net charge-offs to loans | 0.3774% | 558 |
| Credit loss provision to net charge-offs | 54.5951% | 2,861 |
| Earnings coverage of net charge-offs (x) | 5.8671% | 3,051 |
| Efficiency ratio | 58.5025% | 4,431 |
| Assets per employee ($millions) | 5.9265% | 1,551 |
| Cash dividends to net income (ytd only)* | 72.8354% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 2,021 |
| Loan loss allowance to noncurrent loans | 123.2224% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 1,575 |
| Noncurrent loans to loans | 1.1124% | 1,730 |
| Net loans and leases to total assets | 76.3346% | 1,530 |
| Net loans and leases to deposits | 84.5247% | 2,488 |
| Net loans and leases to core deposits | 104.3341% | 1,365 |
| Total domestic deposits to total assets | 90.3104% | 372 |
| Equity capital to assets | 9.0953% | 4,824 |
| Core capital (leverage) ratio | 9.3204% | 4,382 |
| Tier 1 risk-based capital ratio | 11.3100% | 5,067 |
| Total risk-based capital ratio | 12.5609% | 4,960 |
| Memoranda: | ||
| Average total assets | $488,526,500 | 1,445 |
| Average earning assets | $456,305,000 | 1,432 |
| Average equity | $45,713,750 | 1,658 |
| Average total loans | $388,234,000 | 1,271 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5956% | 1,257 |
| Cost of funding earning assets | 0.6014% | 1,439 |
| Net interest margin | 3.9942% | 1,621 |
| Noninterest income to average assets | 0.5566% | 2,675 |
| Noninterest expense to average assets | 2.4113% | 4,017 |
| Loan and lease loss provision to assets | 0.1246% | 1,661 |
| Net operating income to assets | 1.7156% | 549 |
| Return on assets (ROA) | 1.7164% | 551 |
| Pretax return on assets | 1.7488% | 948 |
| Return on Equity (ROE) | 18.1629% | 318 |
| Retained earnings to average equity (ytd only) | 5.6748% | 2,311 |
| Net charge-offs to loans | 0.3745% | 548 |
| Credit loss provision to net charge-offs | 41.4938% | 2,636 |
| Earnings coverage of net charge-offs (x) | 6.2351% | 2,729 |
| Efficiency ratio | 56.2882% | 4,797 |
| Assets per employee ($millions) | 5.8635% | 1,568 |
| Cash dividends to net income (ytd only)* | 68.7561% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,107 |
| Loan loss allowance to noncurrent loans | 105.9108% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.2681% | 1,314 |
| Noncurrent loans to loans | 1.2858% | 1,496 |
| Net loans and leases to total assets | 80.6336% | 862 |
| Net loans and leases to deposits | 89.5096% | 1,798 |
| Net loans and leases to core deposits | 109.1003% | 1,045 |
| Total domestic deposits to total assets | 90.0837% | 510 |
| Equity capital to assets | 9.3652% | 4,549 |
| Core capital (leverage) ratio | 9.5688% | 4,052 |
| Tier 1 risk-based capital ratio | 10.8635% | 5,321 |
| Total risk-based capital ratio | 12.1142% | 5,240 |
| Memoranda: | ||
| Average total assets | $481,475,330 | 1,466 |
| Average earning assets | $449,302,000 | 1,451 |
| Average equity | $45,499,330 | 1,666 |
| Average total loans | $386,155,670 | 1,280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,234 |
| Cost of funding earning assets | 0.5850% | 1,475 |
| Net interest margin | 3.9747% | 1,539 |
| Noninterest income to average assets | 0.5328% | 2,756 |
| Noninterest expense to average assets | 2.3793% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8263% | 424 |
| Return on assets (ROA) | 1.8263% | 436 |
| Pretax return on assets | 1.8649% | 698 |
| Return on Equity (ROE) | 19.2363% | 267 |
| Retained earnings to average equity (ytd only) | 7.0731% | 1,819 |
| Net charge-offs to loans | 0.0392% | 2,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 59.9730% | 803 |
| Efficiency ratio | 56.0594% | 4,934 |
| Assets per employee ($millions) | 5.7625% | 1,676 |
| Cash dividends to net income (ytd only)* | 63.2306% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,583 |
| Loan loss allowance to noncurrent loans | 144.9494% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0701% | 1,681 |
| Noncurrent loans to loans | 1.0556% | 1,942 |
| Net loans and leases to total assets | 78.9675% | 993 |
| Net loans and leases to deposits | 87.8245% | 1,826 |
| Net loans and leases to core deposits | 106.4500% | 1,071 |
| Total domestic deposits to total assets | 89.9151% | 702 |
| Equity capital to assets | 9.5380% | 4,242 |
| Core capital (leverage) ratio | 9.6026% | 3,997 |
| Tier 1 risk-based capital ratio | 11.2392% | 5,181 |
| Total risk-based capital ratio | 12.4917% | 5,074 |
| Memoranda: | ||
| Average total assets | $475,946,000 | 1,487 |
| Average earning assets | $444,409,000 | 1,469 |
| Average equity | $45,185,500 | 1,682 |
| Average total loans | $377,918,000 | 1,312 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 994 |
| Cost of funding earning assets | 0.6037% | 1,305 |
| Net interest margin | 4.1306% | 1,308 |
| Noninterest income to average assets | 0.5662% | 2,833 |
| Noninterest expense to average assets | 2.3534% | 4,410 |
| Loan and lease loss provision to assets | 0.0530% | 3,326 |
| Net operating income to assets | 1.9804% | 331 |
| Return on assets (ROA) | 1.9864% | 343 |
| Pretax return on assets | 2.0333% | 459 |
| Return on Equity (ROE) | 21.3199% | 168 |
| Retained earnings to average equity (ytd only) | 5.2765% | 2,146 |
| Net charge-offs to loans | -0.0604% | 5,449 |
| Credit loss provision to net charge-offs | -106.3830% | 4,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0818% | 5,309 |
| Assets per employee ($millions) | 5.8470% | 1,586 |
| Cash dividends to net income (ytd only)* | 75.2508% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,408 |
| Loan loss allowance to noncurrent loans | 140.6525% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 1,674 |
| Noncurrent loans to loans | 1.1279% | 1,825 |
| Net loans and leases to total assets | 77.3577% | 1,302 |
| Net loans and leases to deposits | 86.0039% | 2,168 |
| Net loans and leases to core deposits | 104.4503% | 1,246 |
| Total domestic deposits to total assets | 89.9467% | 654 |
| Equity capital to assets | 9.4492% | 4,326 |
| Core capital (leverage) ratio | 9.3781% | 4,250 |
| Tier 1 risk-based capital ratio | 11.4699% | 5,075 |
| Total risk-based capital ratio | 12.7231% | 4,975 |
| Memoranda: | ||
| Average total assets | $471,700,400 | 1,447 |
| Average earning assets | $441,634,200 | 1,440 |
| Average equity | $43,949,600 | 1,689 |
| Average total loans | $388,884,600 | 1,227 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 960 |
| Cost of funding earning assets | 0.6017% | 1,312 |
| Net interest margin | 4.1625% | 1,221 |
| Noninterest income to average assets | 0.5814% | 2,755 |
| Noninterest expense to average assets | 2.2893% | 4,562 |
| Loan and lease loss provision to assets | 0.0707% | 2,800 |
| Net operating income to assets | 2.0679% | 308 |
| Return on assets (ROA) | 2.0751% | 316 |
| Pretax return on assets | 2.1258% | 441 |
| Return on Equity (ROE) | 22.3512% | 153 |
| Retained earnings to average equity (ytd only) | 6.9577% | 1,649 |
| Net charge-offs to loans | -0.0889% | 5,533 |
| Credit loss provision to net charge-offs | -95.4198% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1183% | 5,437 |
| Assets per employee ($millions) | 5.9191% | 1,500 |
| Cash dividends to net income (ytd only)* | 68.8710% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,792 |
| Loan loss allowance to noncurrent loans | 72.8065% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8850% | 856 |
| Noncurrent loans to loans | 2.0474% | 950 |
| Net loans and leases to total assets | 79.8069% | 916 |
| Net loans and leases to deposits | 92.6505% | 1,416 |
| Net loans and leases to core deposits | 110.1936% | 898 |
| Total domestic deposits to total assets | 86.1376% | 2,289 |
| Equity capital to assets | 9.1356% | 5,037 |
| Core capital (leverage) ratio | 9.1130% | 4,704 |
| Tier 1 risk-based capital ratio | 10.6257% | 5,561 |
| Total risk-based capital ratio | 11.8777% | 5,475 |
| Memoranda: | ||
| Average total assets | $471,224,500 | 1,451 |
| Average earning assets | $441,163,000 | 1,448 |
| Average equity | $43,749,000 | 1,706 |
| Average total loans | $393,037,000 | 1,215 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 834 |
| Cost of funding earning assets | 0.5974% | 1,337 |
| Net interest margin | 4.2307% | 1,058 |
| Noninterest income to average assets | 0.5972% | 2,635 |
| Noninterest expense to average assets | 2.2960% | 4,620 |
| Loan and lease loss provision to assets | 0.1076% | 2,063 |
| Net operating income to assets | 2.0970% | 282 |
| Return on assets (ROA) | 2.1079% | 291 |
| Pretax return on assets | 2.1622% | 408 |
| Return on Equity (ROE) | 22.5771% | 141 |
| Retained earnings to average equity (ytd only) | 7.3090% | 1,470 |
| Net charge-offs to loans | -0.1278% | 5,694 |
| Credit loss provision to net charge-offs | -100.0000% | 4,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4112% | 5,537 |
| Assets per employee ($millions) | 5.9648% | 1,427 |
| Cash dividends to net income (ytd only)* | 67.6266% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,970 |
| Loan loss allowance to noncurrent loans | 141.7185% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.6837% | 1,070 |
| Noncurrent loans to loans | 1.0396% | 2,203 |
| Net loans and leases to total assets | 81.9521% | 633 |
| Net loans and leases to deposits | 95.2286% | 1,165 |
| Net loans and leases to core deposits | 110.8255% | 887 |
| Total domestic deposits to total assets | 86.0582% | 2,394 |
| Equity capital to assets | 9.1468% | 5,116 |
| Core capital (leverage) ratio | 9.3159% | 4,441 |
| Tier 1 risk-based capital ratio | 10.3997% | 5,721 |
| Total risk-based capital ratio | 11.6515% | 5,635 |
| Memoranda: | ||
| Average total assets | $464,537,000 | 1,476 |
| Average earning assets | $434,539,000 | 1,467 |
| Average equity | $43,371,330 | 1,722 |
| Average total loans | $391,378,000 | 1,219 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 799 |
| Cost of funding earning assets | 0.5749% | 1,511 |
| Net interest margin | 4.2542% | 991 |
| Noninterest income to average assets | 0.6379% | 2,327 |
| Noninterest expense to average assets | 2.3408% | 4,545 |
| Loan and lease loss provision to assets | 0.1318% | 1,601 |
| Net operating income to assets | 2.0932% | 283 |
| Return on assets (ROA) | 2.1009% | 289 |
| Pretax return on assets | 2.1528% | 417 |
| Return on Equity (ROE) | 22.2623% | 152 |
| Retained earnings to average equity (ytd only) | 6.9273% | 1,916 |
| Net charge-offs to loans | -0.0300% | 5,067 |
| Credit loss provision to net charge-offs | -517.2414% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6946% | 5,584 |
| Assets per employee ($millions) | 5.9241% | 1,462 |
| Cash dividends to net income (ytd only)* | 68.8833% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 2,235 |
| Loan loss allowance to noncurrent loans | 130.5666% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 1,037 |
| Noncurrent loans to loans | 1.1051% | 2,192 |
| Net loans and leases to total assets | 82.7831% | 470 |
| Net loans and leases to deposits | 96.6416% | 880 |
| Net loans and leases to core deposits | 111.9155% | 755 |
| Total domestic deposits to total assets | 85.6599% | 2,828 |
| Equity capital to assets | 9.3823% | 4,790 |
| Core capital (leverage) ratio | 9.5634% | 4,088 |
| Tier 1 risk-based capital ratio | 10.3709% | 5,799 |
| Total risk-based capital ratio | 11.6222% | 5,720 |
| Memoranda: | ||
| Average total assets | $455,229,500 | 1,504 |
| Average earning assets | $425,833,000 | 1,492 |
| Average equity | $42,960,500 | 1,732 |
| Average total loans | $386,130,000 | 1,231 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 617 |
| Cost of funding earning assets | 0.4571% | 2,560 |
| Net interest margin | 4.5537% | 600 |
| Noninterest income to average assets | 0.6278% | 2,571 |
| Noninterest expense to average assets | 2.5246% | 4,149 |
| Loan and lease loss provision to assets | 0.1158% | 2,064 |
| Net operating income to assets | 2.1882% | 257 |
| Return on assets (ROA) | 2.1891% | 261 |
| Pretax return on assets | 2.2463% | 314 |
| Return on Equity (ROE) | 22.9382% | 138 |
| Retained earnings to average equity (ytd only) | 6.6491% | 1,468 |
| Net charge-offs to loans | 0.0410% | 3,395 |
| Credit loss provision to net charge-offs | 328.9474% | 914 |
| Earnings coverage of net charge-offs (x) | 67.0987% | 802 |
| Efficiency ratio | 51.6727% | 5,657 |
| Assets per employee ($millions) | 5.7484% | 1,582 |
| Cash dividends to net income (ytd only)* | 71.0131% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 2,371 |
| Loan loss allowance to noncurrent loans | 222.2632% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 1.4365% | 1,442 |
| Noncurrent loans to loans | 0.6349% | 3,282 |
| Net loans and leases to total assets | 84.4631% | 353 |
| Net loans and leases to deposits | 98.6846% | 765 |
| Net loans and leases to core deposits | 112.5022% | 746 |
| Total domestic deposits to total assets | 85.5889% | 2,824 |
| Equity capital to assets | 9.4936% | 4,556 |
| Core capital (leverage) ratio | 9.1957% | 4,624 |
| Tier 1 risk-based capital ratio | 10.4518% | 5,796 |
| Total risk-based capital ratio | 11.7029% | 5,716 |
| Memoranda: | ||
| Average total assets | $431,957,600 | 1,547 |
| Average earning assets | $403,888,000 | 1,519 |
| Average equity | $41,223,800 | 1,752 |
| Average total loans | $370,579,400 | 1,230 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 640 |
| Cost of funding earning assets | 0.4347% | 2,856 |
| Net interest margin | 4.5488% | 591 |
| Noninterest income to average assets | 0.6145% | 2,661 |
| Noninterest expense to average assets | 2.4671% | 4,292 |
| Loan and lease loss provision to assets | 0.1324% | 1,691 |
| Net operating income to assets | 2.2091% | 258 |
| Return on assets (ROA) | 2.2091% | 268 |
| Pretax return on assets | 2.2668% | 355 |
| Return on Equity (ROE) | 23.1162% | 159 |
| Retained earnings to average equity (ytd only) | 7.0076% | 1,681 |
| Net charge-offs to loans | 0.0563% | 2,797 |
| Credit loss provision to net charge-offs | 274.1935% | 1,055 |
| Earnings coverage of net charge-offs (x) | 49.6713% | 1,061 |
| Efficiency ratio | 50.6980% | 5,741 |
| Assets per employee ($millions) | 5.6198% | 1,670 |
| Cash dividends to net income (ytd only)* | 69.6854% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 2,823 |
| Loan loss allowance to noncurrent loans | 206.7724% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4473% | 1,563 |
| Noncurrent loans to loans | 0.6555% | 3,362 |
| Net loans and leases to total assets | 85.4215% | 261 |
| Net loans and leases to deposits | 108.0513% | 303 |
| Net loans and leases to core deposits | 123.0415% | 399 |
| Total domestic deposits to total assets | 79.0565% | 4,962 |
| Equity capital to assets | 9.2374% | 5,070 |
| Core capital (leverage) ratio | 9.5648% | 4,216 |
| Tier 1 risk-based capital ratio | 10.1002% | 6,010 |
| Total risk-based capital ratio | 11.3507% | 5,962 |
| Memoranda: | ||
| Average total assets | $427,852,500 | 1,567 |
| Average earning assets | $399,920,250 | 1,543 |
| Average equity | $40,888,000 | 1,779 |
| Average total loans | $367,190,500 | 1,243 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9853% | 607 |
| Cost of funding earning assets | 0.4249% | 2,989 |
| Net interest margin | 4.5605% | 565 |
| Noninterest income to average assets | 0.6090% | 2,684 |
| Noninterest expense to average assets | 2.4932% | 4,264 |
| Loan and lease loss provision to assets | 0.1194% | 1,853 |
| Net operating income to assets | 2.2009% | 257 |
| Return on assets (ROA) | 2.2009% | 272 |
| Pretax return on assets | 2.2568% | 375 |
| Return on Equity (ROE) | 22.7550% | 169 |
| Retained earnings to average equity (ytd only) | 6.7505% | 1,819 |
| Net charge-offs to loans | 0.1284% | 1,732 |
| Credit loss provision to net charge-offs | 108.6957% | 1,938 |
| Earnings coverage of net charge-offs (x) | 21.6304% | 1,666 |
| Efficiency ratio | 51.2016% | 5,780 |
| Assets per employee ($millions) | 5.3724% | 1,864 |
| Cash dividends to net income (ytd only)* | 70.3342% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,894 |
| Loan loss allowance to noncurrent loans | 188.2810% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 1.5845% | 1,528 |
| Noncurrent loans to loans | 0.7273% | 3,302 |
| Net loans and leases to total assets | 86.4260% | 216 |
| Net loans and leases to deposits | 101.6004% | 566 |
| Net loans and leases to core deposits | 115.6043% | 604 |
| Total domestic deposits to total assets | 85.0646% | 3,094 |
| Equity capital to assets | 9.6979% | 4,399 |
| Core capital (leverage) ratio | 9.7832% | 3,887 |
| Tier 1 risk-based capital ratio | 10.4064% | 5,953 |
| Total risk-based capital ratio | 11.6571% | 5,900 |
| Memoranda: | ||
| Average total assets | $418,735,000 | 1,608 |
| Average earning assets | $391,188,670 | 1,580 |
| Average equity | $40,501,000 | 1,805 |
| Average total loans | $358,192,000 | 1,273 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 653 |
| Cost of funding earning assets | 0.4202% | 3,075 |
| Net interest margin | 4.5110% | 595 |
| Noninterest income to average assets | 0.5665% | 2,857 |
| Noninterest expense to average assets | 2.4843% | 4,314 |
| Loan and lease loss provision to assets | 0.0962% | 2,085 |
| Net operating income to assets | 2.1534% | 251 |
| Return on assets (ROA) | 2.1534% | 267 |
| Pretax return on assets | 2.1986% | 391 |
| Return on Equity (ROE) | 22.2944% | 178 |
| Retained earnings to average equity (ytd only) | 6.0640% | 2,458 |
| Net charge-offs to loans | 0.2858% | 837 |
| Credit loss provision to net charge-offs | 39.8406% | 2,187 |
| Earnings coverage of net charge-offs (x) | 9.5060% | 2,004 |
| Efficiency ratio | 51.9823% | 5,809 |
| Assets per employee ($millions) | 5.1656% | 2,152 |
| Cash dividends to net income (ytd only)* | 72.8004% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,981 |
| Loan loss allowance to noncurrent loans | 186.0166% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 1,542 |
| Noncurrent loans to loans | 0.7450% | 3,400 |
| Net loans and leases to total assets | 83.7087% | 329 |
| Net loans and leases to deposits | 93.1897% | 1,070 |
| Net loans and leases to core deposits | 107.8260% | 828 |
| Total domestic deposits to total assets | 89.8261% | 827 |
| Equity capital to assets | 9.6878% | 4,525 |
| Core capital (leverage) ratio | 9.6550% | 4,067 |
| Tier 1 risk-based capital ratio | 10.4741% | 6,021 |
| Total risk-based capital ratio | 11.7246% | 5,969 |
| Memoranda: | ||
| Average total assets | $415,892,000 | 1,623 |
| Average earning assets | $388,384,000 | 1,595 |
| Average equity | $40,171,500 | 1,823 |
| Average total loans | $351,336,500 | 1,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 739 |
| Cost of funding earning assets | 0.4475% | 3,193 |
| Net interest margin | 4.5743% | 649 |
| Noninterest income to average assets | 0.8444% | 1,704 |
| Noninterest expense to average assets | 2.7654% | 3,613 |
| Loan and lease loss provision to assets | 0.0912% | 2,643 |
| Net operating income to assets | 2.1929% | 228 |
| Return on assets (ROA) | 2.1922% | 228 |
| Pretax return on assets | 2.2581% | 284 |
| Return on Equity (ROE) | 23.5451% | 135 |
| Retained earnings to average equity (ytd only) | 7.1505% | 1,333 |
| Net charge-offs to loans | 0.0984% | 3,101 |
| Credit loss provision to net charge-offs | 112.2754% | 2,116 |
| Earnings coverage of net charge-offs (x) | 28.9461% | 1,379 |
| Efficiency ratio | 54.0603% | 5,834 |
| Assets per employee ($millions) | 5.0411% | 2,266 |
| Cash dividends to net income (ytd only)* | 69.6308% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 2,643 |
| Loan loss allowance to noncurrent loans | 195.9444% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6598% | 1,617 |
| Noncurrent loans to loans | 0.7450% | 3,459 |
| Net loans and leases to total assets | 82.8384% | 445 |
| Net loans and leases to deposits | 92.1023% | 1,278 |
| Net loans and leases to core deposits | 105.9230% | 1,027 |
| Total domestic deposits to total assets | 89.9417% | 756 |
| Equity capital to assets | 9.6301% | 4,554 |
| Core capital (leverage) ratio | 9.5987% | 4,101 |
| Tier 1 risk-based capital ratio | 11.4203% | 5,702 |
| Total risk-based capital ratio | 12.6731% | 5,623 |
| Memoranda: | ||
| Average total assets | $411,406,800 | 1,608 |
| Average earning assets | $384,127,400 | 1,584 |
| Average equity | $38,305,200 | 1,845 |
| Average total loans | $339,485,400 | 1,289 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 747 |
| Cost of funding earning assets | 0.4541% | 3,195 |
| Net interest margin | 4.5635% | 663 |
| Noninterest income to average assets | 0.8478% | 1,710 |
| Noninterest expense to average assets | 2.7843% | 3,524 |
| Loan and lease loss provision to assets | 0.0649% | 3,053 |
| Net operating income to assets | 2.1911% | 243 |
| Return on assets (ROA) | 2.1902% | 246 |
| Pretax return on assets | 2.2593% | 326 |
| Return on Equity (ROE) | 23.7277% | 133 |
| Retained earnings to average equity (ytd only) | 8.5068% | 1,146 |
| Net charge-offs to loans | -0.0229% | 5,654 |
| Credit loss provision to net charge-offs | -344.8276% | 5,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4929% | 5,774 |
| Assets per employee ($millions) | 4.5328% | 2,909 |
| Cash dividends to net income (ytd only)* | 64.1481% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 2,767 |
| Loan loss allowance to noncurrent loans | 210.3380% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.8492% | 1,599 |
| Noncurrent loans to loans | 0.7085% | 3,835 |
| Net loans and leases to total assets | 85.7120% | 208 |
| Net loans and leases to deposits | 98.0233% | 734 |
| Net loans and leases to core deposits | 113.0582% | 618 |
| Total domestic deposits to total assets | 87.4404% | 2,070 |
| Equity capital to assets | 9.6637% | 4,593 |
| Core capital (leverage) ratio | 9.5095% | 4,353 |
| Tier 1 risk-based capital ratio | 10.9579% | 6,009 |
| Total risk-based capital ratio | 12.2107% | 5,959 |
| Memoranda: | ||
| Average total assets | $410,915,750 | 1,621 |
| Average earning assets | $383,731,500 | 1,595 |
| Average equity | $37,929,500 | 1,867 |
| Average total loans | $337,481,000 | 1,299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,012 |
| Cost of funding earning assets | 0.4552% | 3,265 |
| Net interest margin | 4.3810% | 880 |
| Noninterest income to average assets | 0.7662% | 1,978 |
| Noninterest expense to average assets | 2.7909% | 3,544 |
| Loan and lease loss provision to assets | 0.0728% | 2,813 |
| Net operating income to assets | 1.9431% | 379 |
| Return on assets (ROA) | 1.9417% | 393 |
| Pretax return on assets | 1.9990% | 556 |
| Return on Equity (ROE) | 21.3669% | 229 |
| Retained earnings to average equity (ytd only) | 6.7804% | 1,882 |
| Net charge-offs to loans | -0.0422% | 5,800 |
| Credit loss provision to net charge-offs | -214.2857% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3767% | 5,623 |
| Assets per employee ($millions) | 4.5970% | 2,772 |
| Cash dividends to net income (ytd only)* | 68.2671% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 2,987 |
| Loan loss allowance to noncurrent loans | 173.6772% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9720% | 1,630 |
| Noncurrent loans to loans | 0.8526% | 3,573 |
| Net loans and leases to total assets | 85.4027% | 219 |
| Net loans and leases to deposits | 94.7128% | 907 |
| Net loans and leases to core deposits | 109.1262% | 722 |
| Total domestic deposits to total assets | 90.1701% | 725 |
| Equity capital to assets | 9.3604% | 4,899 |
| Core capital (leverage) ratio | 9.3874% | 4,485 |
| Tier 1 risk-based capital ratio | 10.7643% | 6,148 |
| Total risk-based capital ratio | 12.0171% | 6,093 |
| Memoranda: | ||
| Average total assets | $411,904,330 | 1,618 |
| Average earning assets | $385,304,330 | 1,595 |
| Average equity | $37,431,670 | 1,880 |
| Average total loans | $331,657,330 | 1,316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 1,274 |
| Cost of funding earning assets | 0.4648% | 3,268 |
| Net interest margin | 4.2262% | 1,153 |
| Noninterest income to average assets | 0.7278% | 2,044 |
| Noninterest expense to average assets | 2.8096% | 3,526 |
| Loan and lease loss provision to assets | 0.1452% | 1,683 |
| Net operating income to assets | 1.6898% | 585 |
| Return on assets (ROA) | 1.6898% | 602 |
| Pretax return on assets | 1.7334% | 913 |
| Return on Equity (ROE) | 18.8759% | 375 |
| Retained earnings to average equity (ytd only) | 3.2000% | 4,204 |
| Net charge-offs to loans | 0.3348% | 1,070 |
| Credit loss provision to net charge-offs | 55.9701% | 2,145 |
| Earnings coverage of net charge-offs (x) | 7.2425% | 2,137 |
| Efficiency ratio | 59.9298% | 5,420 |
| Assets per employee ($millions) | 4.5105% | 2,958 |
| Cash dividends to net income (ytd only)* | 83.0470% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,005 |
| Loan loss allowance to noncurrent loans | 145.1270% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 2.1135% | 1,583 |
| Noncurrent loans to loans | 1.0563% | 3,310 |
| Net loans and leases to total assets | 76.9023% | 893 |
| Net loans and leases to deposits | 84.9455% | 1,730 |
| Net loans and leases to core deposits | 98.6878% | 1,191 |
| Total domestic deposits to total assets | 90.5314% | 780 |
| Equity capital to assets | 9.0619% | 5,039 |
| Core capital (leverage) ratio | 8.8977% | 5,146 |
| Tier 1 risk-based capital ratio | 11.4605% | 5,938 |
| Total risk-based capital ratio | 12.7139% | 5,886 |
| Memoranda: | ||
| Average total assets | $413,291,500 | 1,626 |
| Average earning assets | $387,302,500 | 1,594 |
| Average equity | $36,999,500 | 1,894 |
| Average total loans | $320,156,000 | 1,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 952 |
| Cost of funding earning assets | 0.5396% | 3,198 |
| Net interest margin | 4.4385% | 842 |
| Noninterest income to average assets | 0.9216% | 1,605 |
| Noninterest expense to average assets | 2.7411% | 3,944 |
| Loan and lease loss provision to assets | 0.3993% | 749 |
| Net operating income to assets | 1.2562% | 1,373 |
| Return on assets (ROA) | 1.2562% | 1,428 |
| Pretax return on assets | 1.9628% | 526 |
| Return on Equity (ROE) | 14.1884% | 906 |
| Retained earnings to average equity (ytd only) | 0.8187% | 5,468 |
| Net charge-offs to loans | 0.5485% | 1,209 |
| Credit loss provision to net charge-offs | 90.5368% | 2,739 |
| Earnings coverage of net charge-offs (x) | 5.3558% | 3,321 |
| Efficiency ratio | 53.7137% | 6,164 |
| Assets per employee ($millions) | 4.5729% | 2,777 |
| Cash dividends to net income (ytd only)* | 94.2296% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 2,864 |
| Loan loss allowance to noncurrent loans | 137.6368% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 2.2899% | 1,542 |
| Noncurrent loans to loans | 1.1434% | 3,255 |
| Net loans and leases to total assets | 75.6297% | 1,128 |
| Net loans and leases to deposits | 84.4618% | 1,870 |
| Net loans and leases to core deposits | 97.9960% | 1,301 |
| Total domestic deposits to total assets | 89.5432% | 1,307 |
| Equity capital to assets | 8.8444% | 5,206 |
| Core capital (leverage) ratio | 8.9963% | 5,014 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,852 |
| Total risk-based capital ratio | 12.8617% | 5,786 |
| Memoranda: | ||
| Average total assets | $409,724,200 | 1,610 |
| Average earning assets | $386,010,200 | 1,564 |
| Average equity | $36,276,200 | 1,906 |
| Average total loans | $329,468,600 | 1,293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 917 |
| Cost of funding earning assets | 0.5564% | 3,199 |
| Net interest margin | 4.4578% | 793 |
| Noninterest income to average assets | 0.9549% | 1,594 |
| Noninterest expense to average assets | 2.7099% | 3,982 |
| Loan and lease loss provision to assets | 0.4688% | 596 |
| Net operating income to assets | 1.0474% | 2,192 |
| Return on assets (ROA) | 1.0474% | 2,276 |
| Pretax return on assets | 1.9748% | 606 |
| Return on Equity (ROE) | 11.8264% | 1,532 |
| Retained earnings to average equity (ytd only) | 0.1328% | 5,895 |
| Net charge-offs to loans | 0.6456% | 948 |
| Credit loss provision to net charge-offs | 89.2968% | 2,651 |
| Earnings coverage of net charge-offs (x) | 4.6546% | 3,385 |
| Efficiency ratio | 52.5832% | 6,217 |
| Assets per employee ($millions) | 4.8031% | 2,437 |
| Cash dividends to net income (ytd only)* | 98.8771% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 3,634 |
| Loan loss allowance to noncurrent loans | 119.8713% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 2.4156% | 1,606 |
| Noncurrent loans to loans | 1.2193% | 3,370 |
| Net loans and leases to total assets | 84.0652% | 244 |
| Net loans and leases to deposits | 95.2423% | 747 |
| Net loans and leases to core deposits | 108.8395% | 628 |
| Total domestic deposits to total assets | 88.2646% | 1,957 |
| Equity capital to assets | 9.0673% | 5,109 |
| Core capital (leverage) ratio | 8.9868% | 5,145 |
| Tier 1 risk-based capital ratio | 10.9373% | 6,307 |
| Total risk-based capital ratio | 12.1906% | 6,271 |
| Memoranda: | ||
| Average total assets | $408,122,750 | 1,626 |
| Average earning assets | $384,398,500 | 1,580 |
| Average equity | $36,144,250 | 1,923 |
| Average total loans | $331,898,250 | 1,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,142 |
| Cost of funding earning assets | 0.5707% | 3,214 |
| Net interest margin | 4.3104% | 1,008 |
| Noninterest income to average assets | 0.9539% | 1,642 |
| Noninterest expense to average assets | 2.7021% | 4,024 |
| Loan and lease loss provision to assets | 0.5053% | 535 |
| Net operating income to assets | 0.4446% | 5,040 |
| Return on assets (ROA) | 0.4443% | 5,209 |
| Pretax return on assets | 1.7985% | 932 |
| Return on Equity (ROE) | 5.0558% | 4,700 |
| Retained earnings to average equity (ytd only) | -4.5558% | 6,431 |
| Net charge-offs to loans | 0.1025% | 3,336 |
| Credit loss provision to net charge-offs | 616.0714% | 473 |
| Earnings coverage of net charge-offs (x) | 28.0952% | 1,198 |
| Efficiency ratio | 53.9737% | 6,147 |
| Assets per employee ($millions) | 4.7941% | 2,387 |
| Cash dividends to net income (ytd only)* | 190.1099% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 2,566 |
| Loan loss allowance to noncurrent loans | 88.7686% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 3.5556% | 1,064 |
| Noncurrent loans to loans | 1.9826% | 2,419 |
| Net loans and leases to total assets | 83.1496% | 288 |
| Net loans and leases to deposits | 93.8455% | 819 |
| Net loans and leases to core deposits | 106.6945% | 708 |
| Total domestic deposits to total assets | 88.6026% | 1,849 |
| Equity capital to assets | 8.7581% | 5,483 |
| Core capital (leverage) ratio | 8.8305% | 5,247 |
| Tier 1 risk-based capital ratio | 10.7063% | 6,445 |
| Total risk-based capital ratio | 11.9634% | 6,415 |
| Memoranda: | ||
| Average total assets | $409,676,330 | 1,623 |
| Average earning assets | $385,160,000 | 1,576 |
| Average equity | $35,998,000 | 1,934 |
| Average total loans | $327,797,000 | 1,300 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7868% | 1,321 |
| Cost of funding earning assets | 0.5980% | 3,127 |
| Net interest margin | 4.1888% | 1,222 |
| Noninterest income to average assets | 1.0088% | 1,440 |
| Noninterest expense to average assets | 2.7101% | 4,017 |
| Loan and lease loss provision to assets | 0.5706% | 451 |
| Net operating income to assets | -0.9767% | 6,801 |
| Return on assets (ROA) | -0.9767% | 6,814 |
| Pretax return on assets | 1.6574% | 1,175 |
| Return on Equity (ROE) | -11.0974% | 6,825 |
| Retained earnings to average equity (ytd only) | -16.0763% | 6,772 |
| Net charge-offs to loans | -0.0489% | 6,128 |
| Credit loss provision to net charge-offs | -1,502.5641% | 5,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8807% | 6,166 |
| Assets per employee ($millions) | 4.7359% | 2,592 |
| Cash dividends to net income (ytd only)* | -44.8654% | 6,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8182% | 2,556 |
| Loan loss allowance to noncurrent loans | 84.0254% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 3.9927% | 998 |
| Noncurrent loans to loans | 2.1639% | 2,429 |
| Net loans and leases to total assets | 77.2685% | 692 |
| Net loans and leases to deposits | 87.0794% | 1,238 |
| Net loans and leases to core deposits | 99.7581% | 962 |
| Total domestic deposits to total assets | 88.7333% | 1,849 |
| Equity capital to assets | 8.7103% | 5,802 |
| Core capital (leverage) ratio | 8.4730% | 5,628 |
| Tier 1 risk-based capital ratio | 11.1234% | 6,349 |
| Total risk-based capital ratio | 12.3809% | 6,325 |
| Memoranda: | ||
| Average total assets | $410,766,000 | 1,634 |
| Average earning assets | $385,313,500 | 1,590 |
| Average equity | $36,152,500 | 1,952 |
| Average total loans | $319,244,500 | 1,331 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3706% | 804 |
| Cost of funding earning assets | 0.7984% | 2,681 |
| Net interest margin | 4.5723% | 820 |
| Noninterest income to average assets | 0.6079% | 3,238 |
| Noninterest expense to average assets | 3.0268% | 3,175 |
| Loan and lease loss provision to assets | 0.5138% | 1,141 |
| Net operating income to assets | 0.7974% | 3,298 |
| Return on assets (ROA) | 0.7987% | 3,543 |
| Pretax return on assets | 1.2997% | 2,398 |
| Return on Equity (ROE) | 9.2129% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.2438% | 2,541 |
| Net charge-offs to loans | 0.3469% | 2,902 |
| Credit loss provision to net charge-offs | 186.5672% | 1,401 |
| Earnings coverage of net charge-offs (x) | 6.5777% | 2,786 |
| Efficiency ratio | 62.5587% | 5,159 |
| Assets per employee ($millions) | 4.7073% | 2,635 |
| Cash dividends to net income (ytd only)* | 43.0820% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,157 |
| Loan loss allowance to noncurrent loans | 79.8373% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 4.1157% | 1,028 |
| Noncurrent loans to loans | 2.0497% | 2,644 |
| Net loans and leases to total assets | 75.4996% | 989 |
| Net loans and leases to deposits | 85.1788% | 1,618 |
| Net loans and leases to core deposits | 98.4878% | 1,113 |
| Total domestic deposits to total assets | 88.6366% | 1,814 |
| Equity capital to assets | 8.8907% | 5,643 |
| Core capital (leverage) ratio | 8.7814% | 5,207 |
| Tier 1 risk-based capital ratio | 11.6872% | 5,964 |
| Total risk-based capital ratio | 12.9423% | 5,927 |
| Memoranda: | ||
| Average total assets | $413,572,200 | 1,585 |
| Average earning assets | $382,655,000 | 1,568 |
| Average equity | $35,852,000 | 1,930 |
| Average total loans | $328,356,200 | 1,281 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 1,006 |
| Cost of funding earning assets | 0.8354% | 2,664 |
| Net interest margin | 4.4691% | 1,048 |
| Noninterest income to average assets | 0.6386% | 3,056 |
| Noninterest expense to average assets | 3.0120% | 3,192 |
| Loan and lease loss provision to assets | 0.4757% | 1,302 |
| Net operating income to assets | 0.7769% | 3,563 |
| Return on assets (ROA) | 0.7769% | 3,815 |
| Pretax return on assets | 1.2762% | 2,681 |
| Return on Equity (ROE) | 9.0203% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.4406% | 3,068 |
| Net charge-offs to loans | 0.2602% | 3,163 |
| Credit loss provision to net charge-offs | 228.3282% | 1,213 |
| Earnings coverage of net charge-offs (x) | 8.4087% | 2,450 |
| Efficiency ratio | 63.2252% | 4,941 |
| Assets per employee ($millions) | 4.7901% | 2,464 |
| Cash dividends to net income (ytd only)* | 39.6844% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 4,194 |
| Loan loss allowance to noncurrent loans | 89.2939% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 4.3726% | 1,067 |
| Noncurrent loans to loans | 1.6122% | 3,369 |
| Net loans and leases to total assets | 83.8607% | 235 |
| Net loans and leases to deposits | 94.7736% | 732 |
| Net loans and leases to core deposits | 109.9576% | 572 |
| Total domestic deposits to total assets | 88.4853% | 1,731 |
| Equity capital to assets | 8.8396% | 5,986 |
| Core capital (leverage) ratio | 8.6971% | 5,480 |
| Tier 1 risk-based capital ratio | 10.5903% | 6,638 |
| Total risk-based capital ratio | 11.8431% | 6,619 |
| Memoranda: | ||
| Average total assets | $413,404,500 | 1,602 |
| Average earning assets | $381,599,750 | 1,584 |
| Average equity | $35,607,750 | 1,957 |
| Average total loans | $330,956,500 | 1,283 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1093% | 1,477 |
| Cost of funding earning assets | 0.8734% | 2,628 |
| Net interest margin | 4.2359% | 1,651 |
| Noninterest income to average assets | 0.7920% | 2,225 |
| Noninterest expense to average assets | 3.0815% | 2,980 |
| Loan and lease loss provision to assets | 0.4518% | 1,422 |
| Net operating income to assets | 0.7128% | 3,798 |
| Return on assets (ROA) | 0.7128% | 4,066 |
| Pretax return on assets | 1.1607% | 3,082 |
| Return on Equity (ROE) | 8.3478% | 3,091 |
| Retained earnings to average equity (ytd only) | 5.1841% | 3,164 |
| Net charge-offs to loans | 0.3415% | 2,652 |
| Credit loss provision to net charge-offs | 168.7726% | 1,655 |
| Earnings coverage of net charge-offs (x) | 6.0235% | 2,714 |
| Efficiency ratio | 65.6475% | 4,593 |
| Assets per employee ($millions) | 4.5045% | 2,899 |
| Cash dividends to net income (ytd only)* | 37.8983% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 4,768 |
| Loan loss allowance to noncurrent loans | 71.5865% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 4.9267% | 973 |
| Noncurrent loans to loans | 1.8514% | 3,147 |
| Net loans and leases to total assets | 82.6063% | 299 |
| Net loans and leases to deposits | 93.0359% | 851 |
| Net loans and leases to core deposits | 107.8857% | 667 |
| Total domestic deposits to total assets | 88.7897% | 1,645 |
| Equity capital to assets | 8.6481% | 6,079 |
| Core capital (leverage) ratio | 8.4694% | 5,684 |
| Tier 1 risk-based capital ratio | 10.5921% | 6,665 |
| Total risk-based capital ratio | 11.8436% | 6,648 |
| Memoranda: | ||
| Average total assets | $413,888,670 | 1,602 |
| Average earning assets | $381,262,670 | 1,587 |
| Average equity | $35,338,670 | 1,959 |
| Average total loans | $324,438,000 | 1,306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 1,825 |
| Cost of funding earning assets | 0.8994% | 2,700 |
| Net interest margin | 4.1198% | 2,029 |
| Noninterest income to average assets | 0.9042% | 1,730 |
| Noninterest expense to average assets | 3.2106% | 2,567 |
| Loan and lease loss provision to assets | 0.4690% | 1,308 |
| Net operating income to assets | 0.6576% | 4,092 |
| Return on assets (ROA) | 0.6576% | 4,302 |
| Pretax return on assets | 1.0164% | 3,622 |
| Return on Equity (ROE) | 7.7518% | 3,384 |
| Retained earnings to average equity (ytd only) | 5.2781% | 3,385 |
| Net charge-offs to loans | 0.4202% | 2,043 |
| Credit loss provision to net charge-offs | 147.4164% | 1,692 |
| Earnings coverage of net charge-offs (x) | 4.6687% | 2,524 |
| Efficiency ratio | 68.3690% | 4,102 |
| Assets per employee ($millions) | 4.6241% | 2,769 |
| Cash dividends to net income (ytd only)* | 31.9118% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 4,764 |
| Loan loss allowance to noncurrent loans | 73.6443% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 4.8197% | 1,091 |
| Noncurrent loans to loans | 1.8482% | 3,344 |
| Net loans and leases to total assets | 74.4937% | 987 |
| Net loans and leases to deposits | 84.5669% | 1,588 |
| Net loans and leases to core deposits | 96.6897% | 1,235 |
| Total domestic deposits to total assets | 88.0885% | 2,257 |
| Equity capital to assets | 8.3021% | 6,271 |
| Core capital (leverage) ratio | 8.6233% | 5,412 |
| Tier 1 risk-based capital ratio | 11.1987% | 6,447 |
| Total risk-based capital ratio | 12.4504% | 6,429 |
| Memoranda: | ||
| Average total assets | $413,626,000 | 1,607 |
| Average earning assets | $380,695,000 | 1,593 |
| Average equity | $35,088,500 | 1,970 |
| Average total loans | $313,192,000 | 1,360 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4660% | 1,253 |
| Cost of funding earning assets | 1.1035% | 2,650 |
| Net interest margin | 4.3625% | 1,505 |
| Noninterest income to average assets | 0.9281% | 1,580 |
| Noninterest expense to average assets | 3.1089% | 3,165 |
| Loan and lease loss provision to assets | 1.2436% | 688 |
| Net operating income to assets | 0.4613% | 4,586 |
| Return on assets (ROA) | 0.4607% | 4,794 |
| Pretax return on assets | 0.6132% | 4,650 |
| Return on Equity (ROE) | 5.2063% | 4,292 |
| Retained earnings to average equity (ytd only) | 3.2371% | 3,913 |
| Net charge-offs to loans | 1.7754% | 834 |
| Credit loss provision to net charge-offs | 85.4959% | 4,220 |
| Earnings coverage of net charge-offs (x) | 1.2771% | 4,821 |
| Efficiency ratio | 62.5976% | 5,368 |
| Assets per employee ($millions) | 4.5150% | 2,882 |
| Cash dividends to net income (ytd only)* | 37.8227% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,548 |
| Loan loss allowance to noncurrent loans | 72.2213% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 5.4640% | 941 |
| Noncurrent loans to loans | 1.9138% | 3,325 |
| Net loans and leases to total assets | 74.8778% | 1,110 |
| Net loans and leases to deposits | 86.6933% | 1,576 |
| Net loans and leases to core deposits | 99.8036% | 1,199 |
| Total domestic deposits to total assets | 86.3709% | 3,098 |
| Equity capital to assets | 8.6748% | 5,928 |
| Core capital (leverage) ratio | 8.6522% | 5,313 |
| Tier 1 risk-based capital ratio | 11.5628% | 6,124 |
| Total risk-based capital ratio | 12.8150% | 6,105 |
| Memoranda: | ||
| Average total assets | $386,792,400 | 1,672 |
| Average earning assets | $358,053,000 | 1,654 |
| Average equity | $34,227,800 | 1,958 |
| Average total loans | $316,891,800 | 1,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4696% | 1,338 |
| Cost of funding earning assets | 1.1338% | 2,748 |
| Net interest margin | 4.3358% | 1,599 |
| Noninterest income to average assets | 0.8995% | 1,654 |
| Noninterest expense to average assets | 3.1088% | 3,123 |
| Loan and lease loss provision to assets | 1.4829% | 468 |
| Net operating income to assets | 0.3042% | 5,378 |
| Return on assets (ROA) | 0.2973% | 5,578 |
| Pretax return on assets | 0.3269% | 5,648 |
| Return on Equity (ROE) | 3.3420% | 5,297 |
| Retained earnings to average equity (ytd only) | 0.7044% | 5,734 |
| Net charge-offs to loans | 1.3031% | 1,185 |
| Credit loss provision to net charge-offs | 136.2764% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.6702% | 4,399 |
| Efficiency ratio | 63.1077% | 5,218 |
| Assets per employee ($millions) | 4.4299% | 3,032 |
| Cash dividends to net income (ytd only)* | 78.9222% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 2,798 |
| Loan loss allowance to noncurrent loans | 62.8132% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 6.4077% | 814 |
| Noncurrent loans to loans | 2.9336% | 2,375 |
| Net loans and leases to total assets | 83.3212% | 267 |
| Net loans and leases to deposits | 96.5700% | 668 |
| Net loans and leases to core deposits | 111.6043% | 623 |
| Total domestic deposits to total assets | 86.2807% | 3,053 |
| Equity capital to assets | 8.6191% | 6,177 |
| Core capital (leverage) ratio | 8.4827% | 5,735 |
| Tier 1 risk-based capital ratio | 10.4653% | 6,790 |
| Total risk-based capital ratio | 11.7235% | 6,774 |
| Memoranda: | ||
| Average total assets | $383,032,500 | 1,700 |
| Average earning assets | $355,729,750 | 1,669 |
| Average equity | $34,070,250 | 1,967 |
| Average total loans | $319,839,750 | 1,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 1,730 |
| Cost of funding earning assets | 1.1449% | 2,933 |
| Net interest margin | 4.2002% | 2,033 |
| Noninterest income to average assets | 0.7730% | 2,145 |
| Noninterest expense to average assets | 3.0383% | 3,491 |
| Loan and lease loss provision to assets | 0.7171% | 1,310 |
| Net operating income to assets | 0.6149% | 3,985 |
| Return on assets (ROA) | 0.6053% | 4,173 |
| Pretax return on assets | 0.9281% | 3,520 |
| Return on Equity (ROE) | 6.7332% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.2229% | 3,512 |
| Net charge-offs to loans | 0.2191% | 3,812 |
| Credit loss provision to net charge-offs | 394.2029% | 766 |
| Earnings coverage of net charge-offs (x) | 9.1246% | 1,962 |
| Efficiency ratio | 64.6689% | 5,114 |
| Assets per employee ($millions) | 4.1266% | 3,497 |
| Cash dividends to net income (ytd only)* | 37.2822% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8402% | 2,861 |
| Loan loss allowance to noncurrent loans | 39.7738% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 6.1746% | 894 |
| Noncurrent loans to loans | 4.6267% | 1,427 |
| Net loans and leases to total assets | 82.2925% | 351 |
| Net loans and leases to deposits | 94.3467% | 848 |
| Net loans and leases to core deposits | 109.4455% | 735 |
| Total domestic deposits to total assets | 87.2236% | 2,609 |
| Equity capital to assets | 8.7851% | 5,838 |
| Core capital (leverage) ratio | 9.0193% | 4,685 |
| Tier 1 risk-based capital ratio | 11.0586% | 6,479 |
| Total risk-based capital ratio | 12.3173% | 6,462 |
| Memoranda: | ||
| Average total assets | $379,289,330 | 1,730 |
| Average earning assets | $354,456,670 | 1,687 |
| Average equity | $34,099,670 | 1,953 |
| Average total loans | $314,896,000 | 1,372 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 1,591 |
| Cost of funding earning assets | 1.1776% | 2,966 |
| Net interest margin | 4.2133% | 1,863 |
| Noninterest income to average assets | 0.6875% | 2,639 |
| Noninterest expense to average assets | 3.0537% | 3,444 |
| Loan and lease loss provision to assets | 0.4719% | 1,859 |
| Net operating income to assets | 0.7242% | 3,409 |
| Return on assets (ROA) | 0.7047% | 3,568 |
| Pretax return on assets | 1.0769% | 2,841 |
| Return on Equity (ROE) | 7.7455% | 3,031 |
| Retained earnings to average equity (ytd only) | 6.5666% | 2,340 |
| Net charge-offs to loans | 0.0169% | 4,843 |
| Credit loss provision to net charge-offs | 3,384.6154% | 107 |
| Earnings coverage of net charge-offs (x) | 113.2308% | 290 |
| Efficiency ratio | 65.9180% | 5,047 |
| Assets per employee ($millions) | 4.0867% | 3,669 |
| Cash dividends to net income (ytd only)* | 15.2207% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 3,072 |
| Loan loss allowance to noncurrent loans | 53.5294% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 4.4212% | 1,474 |
| Noncurrent loans to loans | 3.3234% | 2,259 |
| Net loans and leases to total assets | 80.1777% | 495 |
| Net loans and leases to deposits | 92.4759% | 977 |
| Net loans and leases to core deposits | 107.7950% | 849 |
| Total domestic deposits to total assets | 86.7012% | 3,120 |
| Equity capital to assets | 9.0994% | 5,053 |
| Core capital (leverage) ratio | 9.2089% | 4,273 |
| Tier 1 risk-based capital ratio | 11.8790% | 5,801 |
| Total risk-based capital ratio | 13.1369% | 5,789 |
| Memoranda: | ||
| Average total assets | $372,921,000 | 1,769 |
| Average earning assets | $349,179,500 | 1,721 |
| Average equity | $33,929,500 | 1,948 |
| Average total loans | $308,016,000 | 1,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 1,453 |
| Cost of funding earning assets | 1.6400% | 1,866 |
| Net interest margin | 4.0953% | 2,582 |
| Noninterest income to average assets | 0.6901% | 2,901 |
| Noninterest expense to average assets | 3.1302% | 3,344 |
| Loan and lease loss provision to assets | 0.2637% | 4,685 |
| Net operating income to assets | 0.7249% | 3,126 |
| Return on assets (ROA) | 0.7286% | 3,233 |
| Pretax return on assets | 1.1226% | 2,494 |
| Return on Equity (ROE) | 8.4695% | 2,511 |
| Retained earnings to average equity (ytd only) | 7.2434% | 1,227 |
| Net charge-offs to loans | 0.5201% | 3,543 |
| Credit loss provision to net charge-offs | 62.1504% | 6,051 |
| Earnings coverage of net charge-offs (x) | 3.2536% | 3,451 |
| Efficiency ratio | 69.3949% | 4,297 |
| Assets per employee ($millions) | 3.8527% | 4,127 |
| Cash dividends to net income (ytd only)* | 14.4770% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 3,476 |
| Loan loss allowance to noncurrent loans | 53.9269% | 4,792 |
| Noncurrent assets plus other real estate owned to assets | 4.2413% | 1,576 |
| Noncurrent loans to loans | 3.0192% | 2,532 |
| Net loans and leases to total assets | 82.2163% | 436 |
| Net loans and leases to deposits | 94.7577% | 986 |
| Net loans and leases to core deposits | 113.2211% | 763 |
| Total domestic deposits to total assets | 86.7648% | 2,943 |
| Equity capital to assets | 9.0972% | 4,995 |
| Core capital (leverage) ratio | 8.7682% | 4,904 |
| Tier 1 risk-based capital ratio | 11.7066% | 5,720 |
| Total risk-based capital ratio | 12.9627% | 5,719 |
| Memoranda: | ||
| Average total assets | $379,209,200 | 1,735 |
| Average earning assets | $353,773,400 | 1,702 |
| Average equity | $32,623,000 | 2,011 |
| Average total loans | $309,365,400 | 1,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 1,621 |
| Cost of funding earning assets | 1.7239% | 1,749 |
| Net interest margin | 4.0033% | 3,094 |
| Noninterest income to average assets | 0.9697% | 1,552 |
| Noninterest expense to average assets | 3.0765% | 3,443 |
| Loan and lease loss provision to assets | 0.3145% | 4,062 |
| Net operating income to assets | 0.8505% | 2,808 |
| Return on assets (ROA) | 0.8589% | 2,913 |
| Pretax return on assets | 1.3244% | 2,110 |
| Return on Equity (ROE) | 10.1253% | 2,079 |
| Retained earnings to average equity (ytd only) | 8.8895% | 1,087 |
| Net charge-offs to loans | 0.5606% | 3,073 |
| Credit loss provision to net charge-offs | 69.1776% | 5,443 |
| Earnings coverage of net charge-offs (x) | 3.5765% | 3,387 |
| Efficiency ratio | 65.4232% | 4,971 |
| Assets per employee ($millions) | 4.0128% | 3,807 |
| Cash dividends to net income (ytd only)* | 12.2050% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 3,497 |
| Loan loss allowance to noncurrent loans | 265.5015% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 2,757 |
| Noncurrent loans to loans | 0.6056% | 5,994 |
| Net loans and leases to total assets | 84.1344% | 323 |
| Net loans and leases to deposits | 101.2917% | 569 |
| Net loans and leases to core deposits | 120.7403% | 585 |
| Total domestic deposits to total assets | 83.0615% | 4,570 |
| Equity capital to assets | 8.8210% | 5,820 |
| Core capital (leverage) ratio | 8.9454% | 4,770 |
| Tier 1 risk-based capital ratio | 10.9520% | 6,420 |
| Total risk-based capital ratio | 12.2079% | 6,403 |
| Memoranda: | ||
| Average total assets | $381,546,000 | 1,747 |
| Average earning assets | $355,768,250 | 1,703 |
| Average equity | $32,367,000 | 2,048 |
| Average total loans | $309,426,750 | 1,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5867% | 2,185 |
| Cost of funding earning assets | 1.8225% | 1,552 |
| Net interest margin | 3.7642% | 4,072 |
| Noninterest income to average assets | 0.8301% | 1,970 |
| Noninterest expense to average assets | 2.9985% | 3,718 |
| Loan and lease loss provision to assets | 0.2096% | 4,782 |
| Net operating income to assets | 0.7489% | 3,201 |
| Return on assets (ROA) | 0.7562% | 3,325 |
| Pretax return on assets | 1.1429% | 2,617 |
| Return on Equity (ROE) | 9.0337% | 2,450 |
| Retained earnings to average equity (ytd only) | 7.7816% | 1,518 |
| Net charge-offs to loans | 0.7923% | 2,270 |
| Credit loss provision to net charge-offs | 33.2226% | 5,694 |
| Earnings coverage of net charge-offs (x) | 2.1262% | 3,957 |
| Efficiency ratio | 69.0896% | 4,360 |
| Assets per employee ($millions) | 3.6960% | 4,480 |
| Cash dividends to net income (ytd only)* | 13.8600% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,680 |
| Loan loss allowance to noncurrent loans | 269.2265% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 2.7682% | 2,611 |
| Noncurrent loans to loans | 0.5746% | 6,100 |
| Net loans and leases to total assets | 84.1537% | 339 |
| Net loans and leases to deposits | 97.6529% | 909 |
| Net loans and leases to core deposits | 114.0592% | 920 |
| Total domestic deposits to total assets | 86.1764% | 2,998 |
| Equity capital to assets | 8.9270% | 5,563 |
| Core capital (leverage) ratio | 8.6062% | 5,224 |
| Tier 1 risk-based capital ratio | 10.8342% | 6,417 |
| Total risk-based capital ratio | 12.0887% | 6,405 |
| Memoranda: | ||
| Average total assets | $381,656,670 | 1,763 |
| Average earning assets | $355,878,670 | 1,719 |
| Average equity | $31,947,000 | 2,063 |
| Average total loans | $303,911,330 | 1,508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 3,137 |
| Cost of funding earning assets | 1.9227% | 1,361 |
| Net interest margin | 3.4582% | 5,341 |
| Noninterest income to average assets | 0.7034% | 2,575 |
| Noninterest expense to average assets | 2.9317% | 3,944 |
| Loan and lease loss provision to assets | 0.1027% | 5,601 |
| Net operating income to assets | 0.6013% | 3,889 |
| Return on assets (ROA) | 0.6130% | 3,987 |
| Pretax return on assets | 0.9149% | 3,412 |
| Return on Equity (ROE) | 7.5597% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.5597% | 1,897 |
| Net charge-offs to loans | 0.0908% | 4,506 |
| Credit loss provision to net charge-offs | 147.0588% | 2,421 |
| Earnings coverage of net charge-offs (x) | 14.3235% | 1,440 |
| Efficiency ratio | 74.5625% | 3,478 |
| Assets per employee ($millions) | 3.8505% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 2,434 |
| Loan loss allowance to noncurrent loans | 100.7815% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 3.5564% | 1,972 |
| Noncurrent loans to loans | 1.8872% | 3,944 |
| Net loans and leases to total assets | 76.7720% | 1,375 |
| Net loans and leases to deposits | 88.1297% | 2,201 |
| Net loans and leases to core deposits | 105.6497% | 1,603 |
| Total domestic deposits to total assets | 87.1125% | 2,573 |
| Equity capital to assets | 8.3809% | 6,183 |
| Core capital (leverage) ratio | 8.1012% | 6,071 |
| Tier 1 risk-based capital ratio | 10.8651% | 6,279 |
| Total risk-based capital ratio | 12.1237% | 6,255 |
| Memoranda: | ||
| Average total assets | $389,533,500 | 1,769 |
| Average earning assets | $363,661,000 | 1,729 |
| Average equity | $31,588,500 | 2,105 |
| Average total loans | $299,487,500 | 1,569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7714% | 2,777 |
| Cost of funding earning assets | 2.3292% | 1,539 |
| Net interest margin | 3.4421% | 5,208 |
| Noninterest income to average assets | 0.9409% | 1,784 |
| Noninterest expense to average assets | 3.0622% | 3,899 |
| Loan and lease loss provision to assets | 1.2924% | 1,791 |
| Net operating income to assets | -0.1789% | 5,821 |
| Return on assets (ROA) | 0.0375% | 5,423 |
| Pretax return on assets | 0.0018% | 5,441 |
| Return on Equity (ROE) | 0.4606% | 5,402 |
| Retained earnings to average equity (ytd only) | 0.4606% | 4,649 |
| Net charge-offs to loans | 1.7811% | 1,407 |
| Credit loss provision to net charge-offs | 92.0950% | 5,935 |
| Earnings coverage of net charge-offs (x) | 0.7680% | 5,338 |
| Efficiency ratio | 73.9653% | 3,904 |
| Assets per employee ($millions) | 3.9393% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 2,328 |
| Loan loss allowance to noncurrent loans | 90.2431% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 3.4785% | 1,937 |
| Noncurrent loans to loans | 2.0795% | 3,550 |
| Net loans and leases to total assets | 74.1465% | 2,236 |
| Net loans and leases to deposits | 88.8500% | 2,410 |
| Net loans and leases to core deposits | 134.0268% | 1,051 |
| Total domestic deposits to total assets | 83.4513% | 4,304 |
| Equity capital to assets | 7.8491% | 6,719 |
| Core capital (leverage) ratio | 7.8731% | 6,352 |
| Tier 1 risk-based capital ratio | 10.4282% | 6,466 |
| Total risk-based capital ratio | 11.6862% | 6,431 |
| Memoranda: | ||
| Average total assets | $384,007,000 | 1,780 |
| Average earning assets | $356,900,400 | 1,755 |
| Average equity | $31,262,600 | 2,148 |
| Average total loans | $302,573,200 | 1,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7817% | 2,969 |
| Cost of funding earning assets | 2.4351% | 1,508 |
| Net interest margin | 3.3466% | 5,455 |
| Noninterest income to average assets | 0.9796% | 1,673 |
| Noninterest expense to average assets | 3.1383% | 3,507 |
| Loan and lease loss provision to assets | 0.8405% | 2,276 |
| Net operating income to assets | 0.0849% | 5,513 |
| Return on assets (ROA) | 0.1636% | 5,337 |
| Pretax return on assets | 0.2046% | 5,292 |
| Return on Equity (ROE) | 1.9911% | 5,160 |
| Retained earnings to average equity (ytd only) | 1.9911% | 4,213 |
| Net charge-offs to loans | 1.4180% | 1,456 |
| Credit loss provision to net charge-offs | 74.4338% | 5,897 |
| Earnings coverage of net charge-offs (x) | 0.8383% | 5,216 |
| Efficiency ratio | 76.8248% | 3,354 |
| Assets per employee ($millions) | 3.8761% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6442% | 2,828 |
| Loan loss allowance to noncurrent loans | 106.5421% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 2.9421% | 2,350 |
| Noncurrent loans to loans | 1.5432% | 4,329 |
| Net loans and leases to total assets | 80.1295% | 1,142 |
| Net loans and leases to deposits | 98.0425% | 1,325 |
| Net loans and leases to core deposits | 149.2225% | 596 |
| Total domestic deposits to total assets | 81.7293% | 4,797 |
| Equity capital to assets | 8.1733% | 6,671 |
| Core capital (leverage) ratio | 8.1402% | 6,121 |
| Tier 1 risk-based capital ratio | 9.7824% | 7,152 |
| Total risk-based capital ratio | 11.0370% | 7,115 |
| Memoranda: | ||
| Average total assets | $380,541,750 | 1,810 |
| Average earning assets | $353,104,000 | 1,782 |
| Average equity | $31,271,000 | 2,166 |
| Average total loans | $303,054,750 | 1,601 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 3,701 |
| Cost of funding earning assets | 2.5093% | 1,579 |
| Net interest margin | 3.1637% | 6,050 |
| Noninterest income to average assets | 1.0417% | 1,459 |
| Noninterest expense to average assets | 3.1685% | 3,431 |
| Loan and lease loss provision to assets | 0.8146% | 2,054 |
| Net operating income to assets | -0.0057% | 5,853 |
| Return on assets (ROA) | 0.1300% | 5,581 |
| Pretax return on assets | 0.1412% | 5,582 |
| Return on Equity (ROE) | 1.5792% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.5792% | 4,454 |
| Net charge-offs to loans | 1.1016% | 1,646 |
| Credit loss provision to net charge-offs | 93.5976% | 4,810 |
| Earnings coverage of net charge-offs (x) | 0.9287% | 4,837 |
| Efficiency ratio | 79.6771% | 3,101 |
| Assets per employee ($millions) | 3.7233% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9335% | 1,713 |
| Loan loss allowance to noncurrent loans | 102.7395% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 3.0928% | 2,032 |
| Noncurrent loans to loans | 1.8819% | 3,689 |
| Net loans and leases to total assets | 78.8650% | 1,556 |
| Net loans and leases to deposits | 93.4771% | 2,175 |
| Net loans and leases to core deposits | 139.8384% | 1,018 |
| Total domestic deposits to total assets | 84.3682% | 3,566 |
| Equity capital to assets | 8.1131% | 6,618 |
| Core capital (leverage) ratio | 7.9738% | 6,379 |
| Tier 1 risk-based capital ratio | 9.9070% | 7,032 |
| Total risk-based capital ratio | 11.1653% | 6,953 |
| Memoranda: | ||
| Average total assets | $376,894,330 | 1,845 |
| Average earning assets | $349,658,330 | 1,821 |
| Average equity | $31,029,000 | 2,181 |
| Average total loans | $297,760,330 | 1,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6352% | 4,140 |
| Cost of funding earning assets | 2.5328% | 1,791 |
| Net interest margin | 3.1024% | 6,190 |
| Noninterest income to average assets | 0.8801% | 1,931 |
| Noninterest expense to average assets | 3.1039% | 3,360 |
| Loan and lease loss provision to assets | 0.4765% | 2,568 |
| Net operating income to assets | 0.1201% | 5,918 |
| Return on assets (ROA) | 0.3255% | 5,367 |
| Pretax return on assets | 0.4722% | 5,164 |
| Return on Equity (ROE) | 3.9243% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.9243% | 3,708 |
| Net charge-offs to loans | 0.3666% | 2,630 |
| Credit loss provision to net charge-offs | 166.0448% | 2,577 |
| Earnings coverage of net charge-offs (x) | 2.2687% | 3,601 |
| Efficiency ratio | 82.6632% | 2,456 |
| Assets per employee ($millions) | 3.6444% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 1,162 |
| Loan loss allowance to noncurrent loans | 58.8929% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.2458% | 1,700 |
| Noncurrent loans to loans | 3.6335% | 1,726 |
| Net loans and leases to total assets | 73.9297% | 2,778 |
| Net loans and leases to deposits | 87.8287% | 3,314 |
| Net loans and leases to core deposits | 131.0475% | 1,598 |
| Total domestic deposits to total assets | 84.1748% | 3,621 |
| Equity capital to assets | 8.0443% | 6,746 |
| Core capital (leverage) ratio | 8.2466% | 6,008 |
| Tier 1 risk-based capital ratio | 10.3720% | 6,524 |
| Total risk-based capital ratio | 11.6324% | 6,427 |
| Memoranda: | ||
| Average total assets | $373,591,000 | 1,867 |
| Average earning assets | $346,181,500 | 1,849 |
| Average equity | $30,986,500 | 2,190 |
| Average total loans | $292,435,000 | 1,701 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3550% | 3,665 |
| Cost of funding earning assets | 3.1817% | 1,250 |
| Net interest margin | 3.1734% | 6,454 |
| Noninterest income to average assets | 0.5530% | 4,205 |
| Noninterest expense to average assets | 3.0948% | 3,710 |
| Loan and lease loss provision to assets | 1.2161% | 1,180 |
| Net operating income to assets | -0.4725% | 6,901 |
| Return on assets (ROA) | -0.4674% | 6,776 |
| Pretax return on assets | -0.8092% | 6,885 |
| Return on Equity (ROE) | -6.1498% | 6,971 |
| Retained earnings to average equity (ytd only) | -6.1498% | 6,681 |
| Net charge-offs to loans | 0.6106% | 2,008 |
| Credit loss provision to net charge-offs | 250.7059% | 1,856 |
| Earnings coverage of net charge-offs (x) | 0.8224% | 5,740 |
| Efficiency ratio | 88.5822% | 1,622 |
| Assets per employee ($millions) | 3.2807% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 1,114 |
| Loan loss allowance to noncurrent loans | 87.7894% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.5222% | 1,920 |
| Noncurrent loans to loans | 2.3588% | 2,332 |
| Net loans and leases to total assets | 79.5183% | 1,772 |
| Net loans and leases to deposits | 99.2941% | 1,944 |
| Net loans and leases to core deposits | 148.1910% | 929 |
| Total domestic deposits to total assets | 80.0836% | 4,985 |
| Equity capital to assets | 8.5617% | 5,994 |
| Core capital (leverage) ratio | 8.5288% | 5,520 |
| Tier 1 risk-based capital ratio | 10.1855% | 6,533 |
| Total risk-based capital ratio | 11.4449% | 6,391 |
| Memoranda: | ||
| Average total assets | $350,454,000 | 1,901 |
| Average earning assets | $324,766,600 | 1,879 |
| Average equity | $26,635,000 | 2,506 |
| Average total loans | $278,421,000 | 1,728 |