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 | 5.4182% | 1,282 |
| Cost of funding earning assets | 2.0324% | 877 |
| Net interest margin | 3.3858% | 2,434 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4650% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2334% | 1,576 |
| Return on assets (ROA) | 1.2334% | 1,547 |
| Pretax return on assets | 1.2334% | 2,055 |
| Return on Equity (ROE) | 15.2800% | 1,232 |
| Retained earnings to average equity (ytd only) | 7.2194% | 1,823 |
| Net charge-offs to loans | 0.0175% | 2,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 86.3407% | 974 |
| Efficiency ratio | 66.6511% | 2,268 |
| Assets per employee ($millions) | 7.3522% | 1,842 |
| Cash dividends to net income (ytd only)* | 52.7555% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 4,150 |
| Loan loss allowance to noncurrent loans | 335.6021% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 2,432 |
| Noncurrent loans to loans | 0.2043% | 2,492 |
| Net loans and leases to total assets | 80.6100% | 566 |
| Net loans and leases to deposits | 87.9622% | 1,439 |
| Net loans and leases to core deposits | 94.7130% | 1,729 |
| Total domestic deposits to total assets | 91.6400% | 368 |
| Equity capital to assets | 7.8225% | 3,526 |
| Core capital (leverage) ratio | 8.6235% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3771% | 2,745 |
| Memoranda: | ||
| Average total assets | $637,035,800 | 1,400 |
| Average earning assets | $593,186,200 | 1,389 |
| Average equity | $51,416,800 | 1,572 |
| Average total loans | $520,626,800 | 1,192 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2632% | 1,336 |
| Cost of funding earning assets | 1.7952% | 1,011 |
| Net interest margin | 3.4680% | 2,281 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.5040% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2772% | 1,591 |
| Return on assets (ROA) | 1.2772% | 1,583 |
| Pretax return on assets | 1.2772% | 2,101 |
| Return on Equity (ROE) | 15.6900% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.9201% | 2,001 |
| Net charge-offs to loans | 0.0055% | 2,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 284.4286% | 471 |
| Efficiency ratio | 66.2218% | 2,246 |
| Assets per employee ($millions) | 7.3565% | 1,724 |
| Cash dividends to net income (ytd only)* | 49.5229% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 4,095 |
| Loan loss allowance to noncurrent loans | 364.6182% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.1622% | 2,497 |
| Noncurrent loans to loans | 0.2010% | 2,553 |
| Net loans and leases to total assets | 80.1100% | 629 |
| Net loans and leases to deposits | 97.0713% | 675 |
| Net loans and leases to core deposits | 110.1201% | 869 |
| Total domestic deposits to total assets | 82.5300% | 3,111 |
| Equity capital to assets | 7.6028% | 3,291 |
| Core capital (leverage) ratio | 8.9759% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6144% | 2,705 |
| Memoranda: | ||
| Average total assets | $623,517,500 | 1,428 |
| Average earning assets | $579,536,750 | 1,416 |
| Average equity | $50,755,500 | 1,579 |
| Average total loans | $510,550,500 | 1,207 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1715% | 1,254 |
| Cost of funding earning assets | 1.5454% | 1,165 |
| Net interest margin | 3.6260% | 1,976 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5615% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3651% | 1,413 |
| Return on assets (ROA) | 1.3651% | 1,394 |
| Pretax return on assets | 1.3651% | 1,902 |
| Return on Equity (ROE) | 16.3800% | 1,204 |
| Retained earnings to average equity (ytd only) | 8.6885% | 1,767 |
| Net charge-offs to loans | 0.0103% | 1,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 160.3077% | 717 |
| Efficiency ratio | 65.2348% | 2,344 |
| Assets per employee ($millions) | 6.6124% | 2,200 |
| Cash dividends to net income (ytd only)* | 46.9530% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7576% | 4,090 |
| Loan loss allowance to noncurrent loans | 213.0174% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 1,736 |
| Noncurrent loans to loans | 0.3557% | 1,860 |
| Net loans and leases to total assets | 82.4200% | 385 |
| Net loans and leases to deposits | 103.3811% | 389 |
| Net loans and leases to core deposits | 109.1008% | 865 |
| Total domestic deposits to total assets | 79.7300% | 3,613 |
| Equity capital to assets | 8.3114% | 3,019 |
| Core capital (leverage) ratio | 9.1404% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8717% | 2,665 |
| Memoranda: | ||
| Average total assets | $610,661,333 | 1,451 |
| Average earning assets | $566,571,333 | 1,450 |
| Average equity | $50,895,000 | 1,579 |
| Average total loans | $502,632,667 | 1,209 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 1,214 |
| Cost of funding earning assets | 1.3778% | 1,071 |
| Net interest margin | 3.6312% | 2,055 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.5908% | 1,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3523% | 1,540 |
| Return on assets (ROA) | 1.3523% | 1,511 |
| Pretax return on assets | 1.3523% | 2,010 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.9167% | 1,971 |
| Net charge-offs to loans | 0.0161% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 102.3000% | 779 |
| Efficiency ratio | 65.7057% | 2,239 |
| Assets per employee ($millions) | 6.9503% | 2,014 |
| Cash dividends to net income (ytd only)* | 44.9658% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 4,108 |
| Loan loss allowance to noncurrent loans | 253.4282% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 1,851 |
| Noncurrent loans to loans | 0.3108% | 2,035 |
| Net loans and leases to total assets | 81.6100% | 405 |
| Net loans and leases to deposits | 90.8102% | 990 |
| Net loans and leases to core deposits | 99.4883% | 1,114 |
| Total domestic deposits to total assets | 89.8700% | 1,205 |
| Equity capital to assets | 8.4981% | 2,893 |
| Core capital (leverage) ratio | 9.0665% | 3,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0351% | 2,722 |
| Memoranda: | ||
| Average total assets | $605,208,500 | 1,487 |
| Average earning assets | $561,461,500 | 1,486 |
| Average equity | $50,512,000 | 1,601 |
| Average total loans | $495,840,000 | 1,236 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 611 |
| Cost of funding earning assets | 0.6047% | 885 |
| Net interest margin | 3.9986% | 787 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.6574% | 1,657 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.5114% | 858 |
| Return on assets (ROA) | 1.5125% | 827 |
| Pretax return on assets | 1.5125% | 1,415 |
| Return on Equity (ROE) | 17.0500% | 855 |
| Retained earnings to average equity (ytd only) | 8.7499% | 1,550 |
| Net charge-offs to loans | 0.0360% | 1,366 |
| Credit loss provision to net charge-offs | 480.5031% | 696 |
| Earnings coverage of net charge-offs (x) | 57.3019% | 1,287 |
| Efficiency ratio | 61.6976% | 2,808 |
| Assets per employee ($millions) | 6.6565% | 2,211 |
| Cash dividends to net income (ytd only)* | 48.6891% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 4,033 |
| Loan loss allowance to noncurrent loans | 443.8557% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 2,430 |
| Noncurrent loans to loans | 0.1795% | 2,587 |
| Net loans and leases to total assets | 80.9500% | 504 |
| Net loans and leases to deposits | 96.4164% | 616 |
| Net loans and leases to core deposits | 107.8197% | 680 |
| Total domestic deposits to total assets | 83.9600% | 3,218 |
| Equity capital to assets | 8.1946% | 2,939 |
| Core capital (leverage) ratio | 8.9007% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8202% | 2,782 |
| Memoranda: | ||
| Average total assets | $552,269,200 | 1,605 |
| Average earning assets | $510,129,400 | 1,604 |
| Average equity | $48,983,400 | 1,648 |
| Average total loans | $441,408,600 | 1,289 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 515 |
| Cost of funding earning assets | 0.3934% | 1,335 |
| Net interest margin | 4.0779% | 538 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.6896% | 1,494 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.5607% | 723 |
| Return on assets (ROA) | 1.5622% | 697 |
| Pretax return on assets | 1.5622% | 1,221 |
| Return on Equity (ROE) | 17.2400% | 752 |
| Retained earnings to average equity (ytd only) | 10.1732% | 1,297 |
| Net charge-offs to loans | 0.0383% | 1,112 |
| Credit loss provision to net charge-offs | 496.7480% | 617 |
| Earnings coverage of net charge-offs (x) | 56.2520% | 1,219 |
| Efficiency ratio | 61.1074% | 2,953 |
| Assets per employee ($millions) | 6.3144% | 2,477 |
| Cash dividends to net income (ytd only)* | 41.0041% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,087 |
| Loan loss allowance to noncurrent loans | 362.7730% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 2,019 |
| Noncurrent loans to loans | 0.2218% | 2,503 |
| Net loans and leases to total assets | 81.0700% | 438 |
| Net loans and leases to deposits | 99.7767% | 368 |
| Net loans and leases to core deposits | 108.9153% | 503 |
| Total domestic deposits to total assets | 81.2500% | 3,943 |
| Equity capital to assets | 8.2850% | 2,694 |
| Core capital (leverage) ratio | 9.3091% | 3,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0202% | 2,809 |
| Memoranda: | ||
| Average total assets | $538,901,500 | 1,645 |
| Average earning assets | $497,894,250 | 1,648 |
| Average equity | $48,819,750 | 1,671 |
| Average total loans | $428,189,500 | 1,310 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 487 |
| Cost of funding earning assets | 0.2729% | 1,992 |
| Net interest margin | 4.0727% | 421 |
| Noninterest income to average assets | 0.6641% | 1,487 |
| Noninterest expense to average assets | 2.7488% | 1,273 |
| Loan and lease loss provision to assets | 0.1745% | 506 |
| Net operating income to assets | 1.4994% | 709 |
| Return on assets (ROA) | 1.5001% | 687 |
| Pretax return on assets | 1.5001% | 1,167 |
| Return on Equity (ROE) | 16.0531% | 691 |
| Retained earnings to average equity (ytd only) | 10.2060% | 967 |
| Net charge-offs to loans | -0.0068% | 3,446 |
| Credit loss provision to net charge-offs | -3,271.4286% | 3,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1521% | 3,029 |
| Assets per employee ($millions) | 6.0590% | 2,690 |
| Cash dividends to net income (ytd only)* | 36.4237% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,086 |
| Loan loss allowance to noncurrent loans | 514.7497% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,794 |
| Noncurrent loans to loans | 0.1648% | 2,871 |
| Net loans and leases to total assets | 78.8937% | 490 |
| Net loans and leases to deposits | 97.5618% | 357 |
| Net loans and leases to core deposits | 101.0405% | 625 |
| Total domestic deposits to total assets | 80.8654% | 4,148 |
| Equity capital to assets | 8.7390% | 2,582 |
| Core capital (leverage) ratio | 9.6430% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4231% | 2,695 |
| Memoranda: | ||
| Average total assets | $524,892,667 | 1,687 |
| Average earning assets | $484,392,333 | 1,690 |
| Average equity | $49,049,667 | 1,705 |
| Average total loans | $412,654,333 | 1,345 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 401 |
| Cost of funding earning assets | 0.2733% | 1,894 |
| Net interest margin | 4.0912% | 344 |
| Noninterest income to average assets | 0.7231% | 1,239 |
| Noninterest expense to average assets | 2.7896% | 1,178 |
| Loan and lease loss provision to assets | 0.2429% | 272 |
| Net operating income to assets | 1.4565% | 701 |
| Return on assets (ROA) | 1.4581% | 693 |
| Pretax return on assets | 1.4581% | 1,106 |
| Return on Equity (ROE) | 15.0593% | 642 |
| Retained earnings to average equity (ytd only) | 9.4213% | 1,160 |
| Net charge-offs to loans | -0.0182% | 3,864 |
| Credit loss provision to net charge-offs | -1,705.5556% | 3,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1431% | 3,245 |
| Assets per employee ($millions) | 5.6464% | 3,182 |
| Cash dividends to net income (ytd only)* | 37.4390% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,016 |
| Loan loss allowance to noncurrent loans | 426.2238% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 2,625 |
| Noncurrent loans to loans | 0.2136% | 2,755 |
| Net loans and leases to total assets | 77.4635% | 418 |
| Net loans and leases to deposits | 87.5303% | 647 |
| Net loans and leases to core deposits | 90.8994% | 884 |
| Total domestic deposits to total assets | 88.4991% | 2,295 |
| Equity capital to assets | 9.2361% | 2,495 |
| Core capital (leverage) ratio | 9.2664% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5042% | 2,771 |
| Memoranda: | ||
| Average total assets | $505,595,500 | 1,717 |
| Average earning assets | $465,386,000 | 1,739 |
| Average equity | $48,953,000 | 1,765 |
| Average total loans | $394,801,500 | 1,381 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 371 |
| Cost of funding earning assets | 0.2726% | 2,680 |
| Net interest margin | 4.5087% | 271 |
| Noninterest income to average assets | 0.6940% | 1,786 |
| Noninterest expense to average assets | 2.7416% | 1,507 |
| Loan and lease loss provision to assets | 0.1829% | 624 |
| Net operating income to assets | 1.9082% | 403 |
| Return on assets (ROA) | 1.9085% | 423 |
| Pretax return on assets | 1.9085% | 711 |
| Return on Equity (ROE) | 18.8064% | 395 |
| Retained earnings to average equity (ytd only) | 11.3929% | 635 |
| Net charge-offs to loans | 0.0325% | 1,587 |
| Credit loss provision to net charge-offs | 736.4407% | 642 |
| Earnings coverage of net charge-offs (x) | 84.2119% | 968 |
| Efficiency ratio | 56.7298% | 3,613 |
| Assets per employee ($millions) | 5.4062% | 3,349 |
| Cash dividends to net income (ytd only)* | 39.4200% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8589% | 4,161 |
| Loan loss allowance to noncurrent loans | 468.6357% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,936 |
| Noncurrent loans to loans | 0.1833% | 3,026 |
| Net loans and leases to total assets | 77.3248% | 424 |
| Net loans and leases to deposits | 88.5371% | 627 |
| Net loans and leases to core deposits | 94.3752% | 762 |
| Total domestic deposits to total assets | 87.3360% | 2,368 |
| Equity capital to assets | 10.1431% | 2,526 |
| Core capital (leverage) ratio | 9.4668% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0470% | 2,614 |
| Memoranda: | ||
| Average total assets | $475,200,400 | 1,757 |
| Average earning assets | $436,200,000 | 1,785 |
| Average equity | $48,223,000 | 1,813 |
| Average total loans | $363,047,400 | 1,483 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 345 |
| Cost of funding earning assets | 0.2807% | 2,792 |
| Net interest margin | 4.6421% | 248 |
| Noninterest income to average assets | 0.6927% | 1,847 |
| Noninterest expense to average assets | 2.7037% | 1,577 |
| Loan and lease loss provision to assets | 0.1848% | 573 |
| Net operating income to assets | 2.0624% | 419 |
| Return on assets (ROA) | 2.0624% | 442 |
| Pretax return on assets | 2.0624% | 719 |
| Return on Equity (ROE) | 20.3212% | 404 |
| Retained earnings to average equity (ytd only) | 13.2221% | 606 |
| Net charge-offs to loans | 0.0355% | 1,366 |
| Credit loss provision to net charge-offs | 685.2632% | 652 |
| Earnings coverage of net charge-offs (x) | 83.3263% | 959 |
| Efficiency ratio | 54.6101% | 3,717 |
| Assets per employee ($millions) | 5.6204% | 3,074 |
| Cash dividends to net income (ytd only)* | 34.9346% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8542% | 4,264 |
| Loan loss allowance to noncurrent loans | 261.4167% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 2,538 |
| Noncurrent loans to loans | 0.3268% | 2,614 |
| Net loans and leases to total assets | 74.4646% | 654 |
| Net loans and leases to deposits | 92.3819% | 475 |
| Net loans and leases to core deposits | 105.0401% | 432 |
| Total domestic deposits to total assets | 80.6052% | 4,147 |
| Equity capital to assets | 10.2216% | 2,687 |
| Core capital (leverage) ratio | 9.6049% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5847% | 2,515 |
| Memoranda: | ||
| Average total assets | $469,657,500 | 1,796 |
| Average earning assets | $430,825,750 | 1,820 |
| Average equity | $47,666,500 | 1,855 |
| Average total loans | $356,828,250 | 1,527 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 254 |
| Cost of funding earning assets | 0.3109% | 2,669 |
| Net interest margin | 4.8956% | 193 |
| Noninterest income to average assets | 0.6787% | 1,892 |
| Noninterest expense to average assets | 2.6851% | 1,628 |
| Loan and lease loss provision to assets | 0.1874% | 602 |
| Net operating income to assets | 2.3000% | 281 |
| Return on assets (ROA) | 2.3000% | 302 |
| Pretax return on assets | 2.3000% | 479 |
| Return on Equity (ROE) | 22.7188% | 278 |
| Retained earnings to average equity (ytd only) | 14.9184% | 443 |
| Net charge-offs to loans | 0.0351% | 1,295 |
| Credit loss provision to net charge-offs | 700.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 92.9194% | 782 |
| Efficiency ratio | 51.9115% | 4,055 |
| Assets per employee ($millions) | 5.4109% | 3,231 |
| Cash dividends to net income (ytd only)* | 34.3345% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 4,360 |
| Loan loss allowance to noncurrent loans | 244.6562% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 2,628 |
| Noncurrent loans to loans | 0.3289% | 2,733 |
| Net loans and leases to total assets | 77.3360% | 487 |
| Net loans and leases to deposits | 89.9315% | 658 |
| Net loans and leases to core deposits | 105.6416% | 482 |
| Total domestic deposits to total assets | 85.9943% | 2,742 |
| Equity capital to assets | 10.3526% | 2,535 |
| Core capital (leverage) ratio | 9.3491% | 3,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6375% | 2,501 |
| Memoranda: | ||
| Average total assets | $463,218,000 | 1,805 |
| Average earning assets | $425,195,667 | 1,830 |
| Average equity | $46,895,000 | 1,871 |
| Average total loans | $353,354,000 | 1,545 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7995% | 489 |
| Cost of funding earning assets | 0.3459% | 2,560 |
| Net interest margin | 4.4536% | 388 |
| Noninterest income to average assets | 0.6329% | 2,083 |
| Noninterest expense to average assets | 2.6423% | 1,764 |
| Loan and lease loss provision to assets | 0.1881% | 653 |
| Net operating income to assets | 1.8936% | 671 |
| Return on assets (ROA) | 1.8936% | 720 |
| Pretax return on assets | 1.8936% | 1,127 |
| Return on Equity (ROE) | 18.9233% | 630 |
| Retained earnings to average equity (ytd only) | 13.2072% | 876 |
| Net charge-offs to loans | 0.0820% | 783 |
| Credit loss provision to net charge-offs | 304.2254% | 748 |
| Earnings coverage of net charge-offs (x) | 33.6761% | 1,049 |
| Efficiency ratio | 55.9344% | 3,554 |
| Assets per employee ($millions) | 5.6486% | 2,968 |
| Cash dividends to net income (ytd only)* | 30.2069% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,448 |
| Loan loss allowance to noncurrent loans | 221.4460% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,820 |
| Noncurrent loans to loans | 0.3490% | 2,838 |
| Net loans and leases to total assets | 74.6494% | 756 |
| Net loans and leases to deposits | 85.2143% | 1,024 |
| Net loans and leases to core deposits | 99.2336% | 747 |
| Total domestic deposits to total assets | 87.6020% | 2,045 |
| Equity capital to assets | 9.8811% | 2,816 |
| Core capital (leverage) ratio | 9.2012% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8962% | 2,325 |
| Memoranda: | ||
| Average total assets | $459,452,000 | 1,811 |
| Average earning assets | $422,044,000 | 1,832 |
| Average equity | $45,975,000 | 1,886 |
| Average total loans | $346,525,000 | 1,573 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 353 |
| Cost of funding earning assets | 0.6454% | 2,025 |
| Net interest margin | 4.5256% | 314 |
| Noninterest income to average assets | 0.6282% | 2,106 |
| Noninterest expense to average assets | 3.0147% | 1,402 |
| Loan and lease loss provision to assets | 0.2129% | 1,843 |
| Net operating income to assets | 1.5253% | 757 |
| Return on assets (ROA) | 1.5535% | 770 |
| Pretax return on assets | 1.5535% | 1,187 |
| Return on Equity (ROE) | 14.5128% | 715 |
| Retained earnings to average equity (ytd only) | 8.7448% | 837 |
| Net charge-offs to loans | 0.0092% | 2,995 |
| Credit loss provision to net charge-offs | 2,993.1034% | 333 |
| Earnings coverage of net charge-offs (x) | 244.3448% | 408 |
| Efficiency ratio | 63.9761% | 2,829 |
| Assets per employee ($millions) | 5.4225% | 2,930 |
| Cash dividends to net income (ytd only)* | 39.7442% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 4,499 |
| Loan loss allowance to noncurrent loans | 228.6980% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 3,025 |
| Noncurrent loans to loans | 0.3317% | 3,020 |
| Net loans and leases to total assets | 75.0461% | 897 |
| Net loans and leases to deposits | 90.6108% | 880 |
| Net loans and leases to core deposits | 100.9867% | 860 |
| Total domestic deposits to total assets | 82.8224% | 3,460 |
| Equity capital to assets | 10.1371% | 2,994 |
| Core capital (leverage) ratio | 9.2892% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9331% | 2,264 |
| Memoranda: | ||
| Average total assets | $407,670,200 | 1,837 |
| Average earning assets | $371,550,600 | 1,866 |
| Average equity | $43,637,400 | 1,879 |
| Average total loans | $315,602,000 | 1,629 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 272 |
| Cost of funding earning assets | 0.7306% | 1,852 |
| Net interest margin | 4.6797% | 267 |
| Noninterest income to average assets | 0.6336% | 2,057 |
| Noninterest expense to average assets | 2.9667% | 1,514 |
| Loan and lease loss provision to assets | 0.2186% | 1,837 |
| Net operating income to assets | 1.7068% | 567 |
| Return on assets (ROA) | 1.7068% | 633 |
| Pretax return on assets | 1.7068% | 963 |
| Return on Equity (ROE) | 15.7094% | 583 |
| Retained earnings to average equity (ytd only) | 10.2731% | 709 |
| Net charge-offs to loans | 0.0013% | 3,175 |
| Credit loss provision to net charge-offs | 21,700.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 1,911.3333% | 58 |
| Efficiency ratio | 61.3700% | 3,168 |
| Assets per employee ($millions) | 5.2958% | 2,898 |
| Cash dividends to net income (ytd only)* | 34.6055% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,539 |
| Loan loss allowance to noncurrent loans | 194.3089% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 2,978 |
| Noncurrent loans to loans | 0.3700% | 2,956 |
| Net loans and leases to total assets | 77.8996% | 839 |
| Net loans and leases to deposits | 98.1254% | 617 |
| Net loans and leases to core deposits | 103.5521% | 951 |
| Total domestic deposits to total assets | 79.3878% | 3,985 |
| Equity capital to assets | 10.6644% | 2,659 |
| Core capital (leverage) ratio | 9.7318% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5805% | 1,970 |
| Memoranda: | ||
| Average total assets | $397,070,250 | 1,852 |
| Average earning assets | $361,321,750 | 1,879 |
| Average equity | $43,140,750 | 1,893 |
| Average total loans | $309,417,000 | 1,644 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 216 |
| Cost of funding earning assets | 0.8304% | 1,677 |
| Net interest margin | 4.9065% | 237 |
| Noninterest income to average assets | 0.6517% | 1,931 |
| Noninterest expense to average assets | 3.1494% | 1,243 |
| Loan and lease loss provision to assets | 0.2236% | 1,871 |
| Net operating income to assets | 1.7290% | 587 |
| Return on assets (ROA) | 1.7290% | 640 |
| Pretax return on assets | 1.7290% | 934 |
| Return on Equity (ROE) | 15.8076% | 600 |
| Retained earnings to average equity (ytd only) | 11.0408% | 598 |
| Net charge-offs to loans | 0.0113% | 2,553 |
| Credit loss provision to net charge-offs | 2,552.9412% | 401 |
| Earnings coverage of net charge-offs (x) | 222.9412% | 407 |
| Efficiency ratio | 59.5981% | 3,468 |
| Assets per employee ($millions) | 5.0920% | 3,073 |
| Cash dividends to net income (ytd only)* | 30.1549% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 4,610 |
| Loan loss allowance to noncurrent loans | 169.0681% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,057 |
| Noncurrent loans to loans | 0.4009% | 2,967 |
| Net loans and leases to total assets | 76.7030% | 1,042 |
| Net loans and leases to deposits | 91.0544% | 1,259 |
| Net loans and leases to core deposits | 95.6771% | 1,597 |
| Total domestic deposits to total assets | 84.2387% | 2,668 |
| Equity capital to assets | 10.7128% | 2,560 |
| Core capital (leverage) ratio | 9.7749% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9609% | 1,835 |
| Memoranda: | ||
| Average total assets | $388,206,333 | 1,856 |
| Average earning assets | $352,101,667 | 1,891 |
| Average equity | $42,460,667 | 1,904 |
| Average total loans | $301,749,000 | 1,658 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 493 |
| Cost of funding earning assets | 0.9383% | 1,701 |
| Net interest margin | 4.4143% | 605 |
| Noninterest income to average assets | 0.6637% | 1,791 |
| Noninterest expense to average assets | 3.2344% | 1,354 |
| Loan and lease loss provision to assets | 0.2308% | 1,344 |
| Net operating income to assets | 1.1965% | 1,528 |
| Return on assets (ROA) | 1.1965% | 1,643 |
| Pretax return on assets | 1.1965% | 2,210 |
| Return on Equity (ROE) | 10.8177% | 1,465 |
| Retained earnings to average equity (ytd only) | 7.8464% | 1,273 |
| Net charge-offs to loans | -0.0395% | 4,559 |
| Credit loss provision to net charge-offs | -748.2759% | 3,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9633% | 2,823 |
| Assets per employee ($millions) | 4.6082% | 3,121 |
| Cash dividends to net income (ytd only)* | 27.4667% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 4,651 |
| Loan loss allowance to noncurrent loans | 174.5391% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 3,225 |
| Noncurrent loans to loans | 0.3875% | 3,098 |
| Net loans and leases to total assets | 77.2518% | 1,094 |
| Net loans and leases to deposits | 91.4709% | 1,343 |
| Net loans and leases to core deposits | 97.0723% | 1,714 |
| Total domestic deposits to total assets | 84.4551% | 2,613 |
| Equity capital to assets | 11.1072% | 2,767 |
| Core capital (leverage) ratio | 10.0888% | 3,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3120% | 2,145 |
| Memoranda: | ||
| Average total assets | $376,083,500 | 1,865 |
| Average earning assets | $340,624,000 | 1,888 |
| Average equity | $41,598,500 | 1,926 |
| Average total loans | $293,362,500 | 1,667 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4645% | 4,878 |
| Cost of funding earning assets | 0.6189% | 3,566 |
| Net interest margin | 2.8456% | 4,714 |
| Noninterest income to average assets | 0.4362% | 3,074 |
| Noninterest expense to average assets | 2.3111% | 3,922 |
| Loan and lease loss provision to assets | 0.0425% | 3,160 |
| Net operating income to assets | 0.6915% | 3,892 |
| Return on assets (ROA) | 0.6828% | 3,989 |
| Pretax return on assets | 0.6828% | 4,246 |
| Return on Equity (ROE) | 6.4058% | 3,777 |
| Retained earnings to average equity (ytd only) | -3.8308% | 4,945 |
| Net charge-offs to loans | 0.0619% | 2,217 |
| Credit loss provision to net charge-offs | 88.7006% | 2,669 |
| Earnings coverage of net charge-offs (x) | 15.3333% | 2,237 |
| Efficiency ratio | 74.9556% | 1,494 |
| Assets per employee ($millions) | 4.5096% | 3,204 |
| Cash dividends to net income (ytd only)* | 159.8020% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 4,750 |
| Loan loss allowance to noncurrent loans | 101.8713% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4617% | 2,560 |
| Noncurrent loans to loans | 0.5840% | 2,433 |
| Net loans and leases to total assets | 77.7681% | 1,117 |
| Net loans and leases to deposits | 93.7471% | 1,182 |
| Net loans and leases to core deposits | 101.0828% | 1,480 |
| Total domestic deposits to total assets | 82.9552% | 3,205 |
| Equity capital to assets | 11.0143% | 2,983 |
| Core capital (leverage) ratio | 9.6958% | 3,849 |
| Tier 1 risk-based capital ratio | 13.1634% | 3,705 |
| Total risk-based capital ratio | 13.7908% | 3,932 |
| Memoranda: | ||
| Average total assets | $369,781,200 | 1,845 |
| Average earning assets | $339,014,400 | 1,851 |
| Average equity | $39,417,400 | 1,962 |
| Average total loans | $285,735,600 | 1,664 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1704% | 1,105 |
| Cost of funding earning assets | 1.0252% | 1,658 |
| Net interest margin | 4.1452% | 1,512 |
| Noninterest income to average assets | 0.6676% | 1,923 |
| Noninterest expense to average assets | 3.3201% | 1,230 |
| Loan and lease loss provision to assets | 0.0217% | 3,482 |
| Net operating income to assets | 1.1295% | 2,457 |
| Return on assets (ROA) | 1.1487% | 2,465 |
| Pretax return on assets | 1.1487% | 3,139 |
| Return on Equity (ROE) | 10.8675% | 2,070 |
| Retained earnings to average equity (ytd only) | -1.3276% | 4,884 |
| Net charge-offs to loans | -0.0103% | 4,383 |
| Credit loss provision to net charge-offs | -272.7273% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2538% | 1,528 |
| Assets per employee ($millions) | 4.9602% | 2,601 |
| Cash dividends to net income (ytd only)* | 112.2166% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 4,844 |
| Loan loss allowance to noncurrent loans | 122.6879% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3980% | 2,917 |
| Noncurrent loans to loans | 0.4808% | 2,856 |
| Net loans and leases to total assets | 73.9688% | 1,826 |
| Net loans and leases to deposits | 90.4704% | 1,637 |
| Net loans and leases to core deposits | 98.3241% | 1,798 |
| Total domestic deposits to total assets | 81.7603% | 3,545 |
| Equity capital to assets | 10.9654% | 3,124 |
| Core capital (leverage) ratio | 9.9347% | 3,699 |
| Tier 1 risk-based capital ratio | 13.2401% | 3,724 |
| Total risk-based capital ratio | 13.8654% | 3,949 |
| Memoranda: | ||
| Average total assets | $368,652,750 | 1,864 |
| Average earning assets | $338,275,750 | 1,866 |
| Average equity | $38,965,250 | 1,990 |
| Average total loans | $283,963,500 | 1,687 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0772% | 1,278 |
| Cost of funding earning assets | 0.8593% | 2,357 |
| Net interest margin | 4.2178% | 1,320 |
| Noninterest income to average assets | 0.6499% | 1,918 |
| Noninterest expense to average assets | 3.3880% | 1,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0976% | 2,528 |
| Return on assets (ROA) | 1.0662% | 2,722 |
| Pretax return on assets | 1.0662% | 3,333 |
| Return on Equity (ROE) | 8.8303% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.4233% | 3,053 |
| Net charge-offs to loans | -0.0314% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5308% | 1,453 |
| Assets per employee ($millions) | 4.1932% | 3,586 |
| Cash dividends to net income (ytd only)* | 49.9079% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,765 |
| Loan loss allowance to noncurrent loans | 142.9944% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 2,074 |
| Noncurrent loans to loans | 0.8077% | 1,979 |
| Net loans and leases to total assets | 75.9398% | 1,561 |
| Net loans and leases to deposits | 97.5997% | 880 |
| Net loans and leases to core deposits | 98.2213% | 1,875 |
| Total domestic deposits to total assets | 77.8074% | 4,435 |
| Equity capital to assets | 12.5148% | 1,848 |
| Core capital (leverage) ratio | 12.2201% | 1,687 |
| Tier 1 risk-based capital ratio | 16.1938% | 2,331 |
| Total risk-based capital ratio | 17.3624% | 2,311 |
| Memoranda: | ||
| Average total assets | $203,719,670 | 2,844 |
| Average earning assets | $185,260,330 | 2,871 |
| Average equity | $24,597,000 | 2,759 |
| Average total loans | $152,864,330 | 2,630 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,383 |
| Cost of funding earning assets | 0.8193% | 2,428 |
| Net interest margin | 4.1608% | 1,400 |
| Noninterest income to average assets | 0.6577% | 1,794 |
| Noninterest expense to average assets | 3.3531% | 1,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0910% | 2,506 |
| Return on assets (ROA) | 1.0286% | 2,786 |
| Pretax return on assets | 1.0286% | 3,353 |
| Return on Equity (ROE) | 8.6745% | 2,961 |
| Retained earnings to average equity (ytd only) | 6.5183% | 2,240 |
| Net charge-offs to loans | -0.0158% | 4,397 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4502% | 1,563 |
| Assets per employee ($millions) | 4.2044% | 3,621 |
| Cash dividends to net income (ytd only)* | 24.8577% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,803 |
| Loan loss allowance to noncurrent loans | 193.4354% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 2,740 |
| Noncurrent loans to loans | 0.5983% | 2,544 |
| Net loans and leases to total assets | 73.2893% | 1,934 |
| Net loans and leases to deposits | 94.6117% | 1,099 |
| Net loans and leases to core deposits | 95.2786% | 1,999 |
| Total domestic deposits to total assets | 77.4633% | 4,597 |
| Equity capital to assets | 12.0147% | 2,013 |
| Core capital (leverage) ratio | 12.1590% | 1,690 |
| Tier 1 risk-based capital ratio | 16.1133% | 2,384 |
| Total risk-based capital ratio | 17.2713% | 2,377 |
| Memoranda: | ||
| Average total assets | $204,942,500 | 2,853 |
| Average earning assets | $186,504,000 | 2,890 |
| Average equity | $24,301,000 | 2,779 |
| Average total loans | $151,980,000 | 2,667 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9275% | 1,209 |
| Cost of funding earning assets | 0.6940% | 2,124 |
| Net interest margin | 4.2335% | 1,315 |
| Noninterest income to average assets | 0.6247% | 2,171 |
| Noninterest expense to average assets | 3.3599% | 1,208 |
| Loan and lease loss provision to assets | 0.0770% | 2,588 |
| Net operating income to assets | 1.0473% | 2,817 |
| Return on assets (ROA) | 1.0473% | 2,804 |
| Pretax return on assets | 1.0473% | 3,451 |
| Return on Equity (ROE) | 9.0796% | 2,952 |
| Retained earnings to average equity (ytd only) | 4.9079% | 2,820 |
| Net charge-offs to loans | 0.1241% | 1,498 |
| Credit loss provision to net charge-offs | 83.7838% | 2,808 |
| Earnings coverage of net charge-offs (x) | 12.2378% | 2,552 |
| Efficiency ratio | 74.9280% | 1,504 |
| Assets per employee ($millions) | 4.2473% | 3,545 |
| Cash dividends to net income (ytd only)* | 45.9459% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 2,743 |
| Loan loss allowance to noncurrent loans | 322.1207% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,342 |
| Noncurrent loans to loans | 0.3618% | 3,243 |
| Net loans and leases to total assets | 73.3031% | 2,043 |
| Net loans and leases to deposits | 95.7532% | 1,095 |
| Net loans and leases to core deposits | 97.0749% | 1,962 |
| Total domestic deposits to total assets | 76.5542% | 4,689 |
| Equity capital to assets | 11.6986% | 2,097 |
| Core capital (leverage) ratio | 11.9592% | 1,764 |
| Tier 1 risk-based capital ratio | 16.0467% | 2,389 |
| Total risk-based capital ratio | 17.2148% | 2,357 |
| Memoranda: | ||
| Average total assets | $201,374,400 | 2,852 |
| Average earning assets | $183,582,000 | 2,880 |
| Average equity | $23,228,000 | 2,790 |
| Average total loans | $149,132,000 | 2,653 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8898% | 1,184 |
| Cost of funding earning assets | 0.6483% | 2,160 |
| Net interest margin | 4.2416% | 1,255 |
| Noninterest income to average assets | 0.6276% | 2,177 |
| Noninterest expense to average assets | 3.3746% | 1,159 |
| Loan and lease loss provision to assets | 0.0365% | 3,275 |
| Net operating income to assets | 1.0839% | 2,736 |
| Return on assets (ROA) | 1.0839% | 2,744 |
| Pretax return on assets | 1.0839% | 3,455 |
| Return on Equity (ROE) | 9.4309% | 2,884 |
| Retained earnings to average equity (ytd only) | 5.5476% | 2,928 |
| Net charge-offs to loans | 0.0798% | 1,723 |
| Credit loss provision to net charge-offs | 61.7978% | 2,725 |
| Earnings coverage of net charge-offs (x) | 18.9557% | 2,033 |
| Efficiency ratio | 75.0739% | 1,453 |
| Assets per employee ($millions) | 4.0587% | 3,798 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,821 |
| Loan loss allowance to noncurrent loans | 275.5486% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3804% | 3,166 |
| Noncurrent loans to loans | 0.4226% | 3,141 |
| Net loans and leases to total assets | 73.5232% | 2,068 |
| Net loans and leases to deposits | 91.8597% | 1,643 |
| Net loans and leases to core deposits | 99.1916% | 1,855 |
| Total domestic deposits to total assets | 80.0385% | 4,115 |
| Equity capital to assets | 11.4765% | 2,275 |
| Core capital (leverage) ratio | 11.7674% | 1,940 |
| Tier 1 risk-based capital ratio | 15.9269% | 2,473 |
| Total risk-based capital ratio | 17.0922% | 2,444 |
| Memoranda: | ||
| Average total assets | $200,750,500 | 2,878 |
| Average earning assets | $183,041,750 | 2,913 |
| Average equity | $23,072,500 | 2,822 |
| Average total loans | $148,613,750 | 2,676 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8359% | 1,157 |
| Cost of funding earning assets | 0.5764% | 2,386 |
| Net interest margin | 4.2595% | 1,136 |
| Noninterest income to average assets | 0.6219% | 2,219 |
| Noninterest expense to average assets | 3.3906% | 1,142 |
| Loan and lease loss provision to assets | 0.0300% | 3,307 |
| Net operating income to assets | 1.0879% | 2,625 |
| Return on assets (ROA) | 1.0879% | 2,635 |
| Pretax return on assets | 1.0879% | 3,360 |
| Return on Equity (ROE) | 9.4609% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.8174% | 3,172 |
| Net charge-offs to loans | 0.0487% | 1,913 |
| Credit loss provision to net charge-offs | 83.3333% | 2,226 |
| Earnings coverage of net charge-offs (x) | 31.0556% | 1,466 |
| Efficiency ratio | 75.2051% | 1,529 |
| Assets per employee ($millions) | 4.0396% | 3,832 |
| Cash dividends to net income (ytd only)* | 49.0809% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,710 |
| Loan loss allowance to noncurrent loans | 317.7936% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,306 |
| Noncurrent loans to loans | 0.3777% | 3,338 |
| Net loans and leases to total assets | 71.3526% | 2,387 |
| Net loans and leases to deposits | 92.3970% | 1,532 |
| Net loans and leases to core deposits | 98.4443% | 1,861 |
| Total domestic deposits to total assets | 77.2239% | 4,704 |
| Equity capital to assets | 11.2067% | 2,447 |
| Core capital (leverage) ratio | 11.6341% | 1,953 |
| Tier 1 risk-based capital ratio | 15.6847% | 2,555 |
| Total risk-based capital ratio | 16.8706% | 2,531 |
| Memoranda: | ||
| Average total assets | $200,022,000 | 2,895 |
| Average earning assets | $182,510,330 | 2,933 |
| Average equity | $23,000,000 | 2,847 |
| Average total loans | $147,830,670 | 2,695 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8235% | 1,023 |
| Cost of funding earning assets | 0.5149% | 2,682 |
| Net interest margin | 4.3086% | 938 |
| Noninterest income to average assets | 0.5989% | 2,265 |
| Noninterest expense to average assets | 3.4554% | 1,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0679% | 2,573 |
| Return on assets (ROA) | 1.0679% | 2,583 |
| Pretax return on assets | 1.0679% | 3,288 |
| Return on Equity (ROE) | 9.1654% | 2,822 |
| Retained earnings to average equity (ytd only) | 6.7956% | 2,367 |
| Net charge-offs to loans | -0.0217% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3914% | 1,543 |
| Assets per employee ($millions) | 3.8617% | 4,198 |
| Cash dividends to net income (ytd only)* | 25.8555% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,693 |
| Loan loss allowance to noncurrent loans | 291.2621% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 3,494 |
| Noncurrent loans to loans | 0.4186% | 3,283 |
| Net loans and leases to total assets | 72.6240% | 2,071 |
| Net loans and leases to deposits | 89.3700% | 1,768 |
| Net loans and leases to core deposits | 93.9204% | 2,147 |
| Total domestic deposits to total assets | 81.2621% | 4,142 |
| Equity capital to assets | 11.4279% | 2,193 |
| Core capital (leverage) ratio | 11.8334% | 1,758 |
| Tier 1 risk-based capital ratio | 15.8253% | 2,547 |
| Total risk-based capital ratio | 17.0398% | 2,508 |
| Memoranda: | ||
| Average total assets | $197,023,500 | 2,958 |
| Average earning assets | $179,456,500 | 2,999 |
| Average equity | $22,956,000 | 2,870 |
| Average total loans | $147,353,000 | 2,720 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 571 |
| Cost of funding earning assets | 0.3688% | 3,527 |
| Net interest margin | 4.6929% | 427 |
| Noninterest income to average assets | 0.6470% | 2,216 |
| Noninterest expense to average assets | 3.5673% | 933 |
| Loan and lease loss provision to assets | 0.0791% | 2,612 |
| Net operating income to assets | 1.2624% | 1,320 |
| Return on assets (ROA) | 1.2515% | 1,383 |
| Pretax return on assets | 1.2515% | 2,545 |
| Return on Equity (ROE) | 10.1288% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.6361% | 2,367 |
| Net charge-offs to loans | 0.1888% | 1,341 |
| Credit loss provision to net charge-offs | 53.3088% | 3,294 |
| Earnings coverage of net charge-offs (x) | 9.0404% | 2,830 |
| Efficiency ratio | 72.6717% | 2,131 |
| Assets per employee ($millions) | 3.6460% | 4,510 |
| Cash dividends to net income (ytd only)* | 54.2284% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,665 |
| Loan loss allowance to noncurrent loans | 350.6849% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 3,705 |
| Noncurrent loans to loans | 0.3474% | 3,515 |
| Net loans and leases to total assets | 75.1811% | 1,725 |
| Net loans and leases to deposits | 96.8508% | 1,006 |
| Net loans and leases to core deposits | 101.4079% | 1,597 |
| Total domestic deposits to total assets | 77.6258% | 4,772 |
| Equity capital to assets | 11.8837% | 1,922 |
| Core capital (leverage) ratio | 12.2457% | 1,474 |
| Tier 1 risk-based capital ratio | 16.0429% | 2,421 |
| Total risk-based capital ratio | 17.2893% | 2,360 |
| Memoranda: | ||
| Average total assets | $183,301,400 | 3,079 |
| Average earning assets | $166,465,400 | 3,122 |
| Average equity | $22,648,400 | 2,888 |
| Average total loans | $144,034,600 | 2,717 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 491 |
| Cost of funding earning assets | 0.3471% | 3,701 |
| Net interest margin | 4.7662% | 366 |
| Noninterest income to average assets | 0.6268% | 2,332 |
| Noninterest expense to average assets | 3.5409% | 933 |
| Loan and lease loss provision to assets | 0.1069% | 1,986 |
| Net operating income to assets | 1.3029% | 1,320 |
| Return on assets (ROA) | 1.3044% | 1,356 |
| Pretax return on assets | 1.3044% | 2,464 |
| Return on Equity (ROE) | 10.4504% | 1,929 |
| Retained earnings to average equity (ytd only) | 5.9430% | 2,284 |
| Net charge-offs to loans | 0.2317% | 930 |
| Credit loss provision to net charge-offs | 58.2329% | 2,826 |
| Earnings coverage of net charge-offs (x) | 7.6788% | 2,851 |
| Efficiency ratio | 71.5222% | 2,275 |
| Assets per employee ($millions) | 3.5388% | 4,668 |
| Cash dividends to net income (ytd only)* | 43.1318% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 2,718 |
| Loan loss allowance to noncurrent loans | 363.7275% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 3,924 |
| Noncurrent loans to loans | 0.3398% | 3,731 |
| Net loans and leases to total assets | 77.3269% | 1,377 |
| Net loans and leases to deposits | 100.0607% | 737 |
| Net loans and leases to core deposits | 102.1366% | 1,535 |
| Total domestic deposits to total assets | 77.2800% | 4,836 |
| Equity capital to assets | 12.3440% | 1,749 |
| Core capital (leverage) ratio | 12.4732% | 1,424 |
| Tier 1 risk-based capital ratio | 16.3072% | 2,374 |
| Total risk-based capital ratio | 17.5574% | 2,330 |
| Memoranda: | ||
| Average total assets | $180,816,750 | 3,131 |
| Average earning assets | $164,040,750 | 3,183 |
| Average equity | $22,569,500 | 2,918 |
| Average total loans | $143,275,250 | 2,752 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1402% | 440 |
| Cost of funding earning assets | 0.3126% | 3,951 |
| Net interest margin | 4.8276% | 307 |
| Noninterest income to average assets | 0.6294% | 2,321 |
| Noninterest expense to average assets | 3.5403% | 951 |
| Loan and lease loss provision to assets | 0.1624% | 1,230 |
| Net operating income to assets | 1.3026% | 1,290 |
| Return on assets (ROA) | 1.3048% | 1,306 |
| Pretax return on assets | 1.3048% | 2,364 |
| Return on Equity (ROE) | 10.4133% | 1,877 |
| Retained earnings to average equity (ytd only) | 5.0145% | 2,703 |
| Net charge-offs to loans | 0.2759% | 732 |
| Credit loss provision to net charge-offs | 73.9796% | 2,334 |
| Earnings coverage of net charge-offs (x) | 6.6735% | 2,679 |
| Efficiency ratio | 70.7317% | 2,545 |
| Assets per employee ($millions) | 3.3977% | 4,862 |
| Cash dividends to net income (ytd only)* | 51.8455% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,527 |
| Loan loss allowance to noncurrent loans | 765.5738% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,652 |
| Noncurrent loans to loans | 0.1669% | 4,445 |
| Net loans and leases to total assets | 78.6793% | 1,141 |
| Net loans and leases to deposits | 102.7423% | 562 |
| Net loans and leases to core deposits | 107.3175% | 1,142 |
| Total domestic deposits to total assets | 76.5792% | 5,019 |
| Equity capital to assets | 12.3832% | 1,680 |
| Core capital (leverage) ratio | 12.7438% | 1,280 |
| Tier 1 risk-based capital ratio | 16.2245% | 2,421 |
| Total risk-based capital ratio | 17.4756% | 2,359 |
| Memoranda: | ||
| Average total assets | $178,570,000 | 3,173 |
| Average earning assets | $161,861,000 | 3,215 |
| Average equity | $22,375,330 | 2,939 |
| Average total loans | $142,084,670 | 2,776 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 367 |
| Cost of funding earning assets | 0.2964% | 4,083 |
| Net interest margin | 4.9283% | 249 |
| Noninterest income to average assets | 0.6155% | 2,346 |
| Noninterest expense to average assets | 3.4023% | 1,201 |
| Loan and lease loss provision to assets | 0.2271% | 687 |
| Net operating income to assets | 1.4422% | 906 |
| Return on assets (ROA) | 1.4422% | 932 |
| Pretax return on assets | 1.4422% | 1,724 |
| Return on Equity (ROE) | 11.4399% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.2963% | 1,753 |
| Net charge-offs to loans | 0.2085% | 837 |
| Credit loss provision to net charge-offs | 136.9863% | 1,271 |
| Earnings coverage of net charge-offs (x) | 10.0685% | 1,959 |
| Efficiency ratio | 67.0846% | 3,330 |
| Assets per employee ($millions) | 3.4719% | 4,833 |
| Cash dividends to net income (ytd only)* | 36.2205% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 2,145 |
| Loan loss allowance to noncurrent loans | 653.0201% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,196 |
| Noncurrent loans to loans | 0.2120% | 4,352 |
| Net loans and leases to total assets | 78.3004% | 1,087 |
| Net loans and leases to deposits | 97.8406% | 781 |
| Net loans and leases to core deposits | 100.8342% | 1,452 |
| Total domestic deposits to total assets | 80.0286% | 4,613 |
| Equity capital to assets | 12.6776% | 1,422 |
| Core capital (leverage) ratio | 12.8083% | 1,213 |
| Tier 1 risk-based capital ratio | 16.6320% | 2,312 |
| Total risk-based capital ratio | 17.8842% | 2,272 |
| Memoranda: | ||
| Average total assets | $176,118,000 | 3,230 |
| Average earning assets | $159,244,000 | 3,281 |
| Average equity | $22,203,000 | 2,968 |
| Average total loans | $140,015,000 | 2,822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 379 |
| Cost of funding earning assets | 0.2550% | 4,521 |
| Net interest margin | 4.9995% | 249 |
| Noninterest income to average assets | 1.3845% | 596 |
| Noninterest expense to average assets | 3.8880% | 703 |
| Loan and lease loss provision to assets | 0.3387% | 519 |
| Net operating income to assets | 1.7081% | 536 |
| Return on assets (ROA) | 1.7608% | 498 |
| Pretax return on assets | 1.7608% | 868 |
| Return on Equity (ROE) | 13.0728% | 976 |
| Retained earnings to average equity (ytd only) | 7.8800% | 889 |
| Net charge-offs to loans | 0.3327% | 829 |
| Credit loss provision to net charge-offs | 130.7506% | 2,057 |
| Earnings coverage of net charge-offs (x) | 7.9007% | 2,952 |
| Efficiency ratio | 65.5110% | 3,674 |
| Assets per employee ($millions) | 3.4347% | 4,851 |
| Cash dividends to net income (ytd only)* | 39.7221% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 2,185 |
| Loan loss allowance to noncurrent loans | 139.6652% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 2,365 |
| Noncurrent loans to loans | 0.9854% | 2,122 |
| Net loans and leases to total assets | 78.5075% | 1,126 |
| Net loans and leases to deposits | 103.4467% | 446 |
| Net loans and leases to core deposits | 106.8457% | 1,078 |
| Total domestic deposits to total assets | 75.8917% | 5,250 |
| Equity capital to assets | 12.5354% | 1,504 |
| Core capital (leverage) ratio | 12.9998% | 1,132 |
| Tier 1 risk-based capital ratio | 16.5710% | 2,321 |
| Total risk-based capital ratio | 17.8227% | 2,258 |
| Memoranda: | ||
| Average total assets | $159,413,000 | 3,402 |
| Average earning assets | $145,094,200 | 3,433 |
| Average equity | $21,472,000 | 3,025 |
| Average total loans | $124,135,600 | 3,007 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 372 |
| Cost of funding earning assets | 0.2503% | 4,598 |
| Net interest margin | 5.0411% | 233 |
| Noninterest income to average assets | 1.6328% | 460 |
| Noninterest expense to average assets | 3.9037% | 672 |
| Loan and lease loss provision to assets | 0.4631% | 284 |
| Net operating income to assets | 1.8601% | 441 |
| Return on assets (ROA) | 1.9321% | 402 |
| Pretax return on assets | 1.9321% | 657 |
| Return on Equity (ROE) | 14.0696% | 812 |
| Retained earnings to average equity (ytd only) | 10.0604% | 565 |
| Net charge-offs to loans | 0.3524% | 643 |
| Credit loss provision to net charge-offs | 169.8113% | 1,635 |
| Earnings coverage of net charge-offs (x) | 8.5189% | 2,754 |
| Efficiency ratio | 62.6911% | 4,109 |
| Assets per employee ($millions) | 3.3766% | 4,946 |
| Cash dividends to net income (ytd only)* | 28.4954% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5072% | 1,740 |
| Loan loss allowance to noncurrent loans | 168.1135% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7096% | 2,787 |
| Noncurrent loans to loans | 0.8965% | 2,461 |
| Net loans and leases to total assets | 77.9532% | 1,207 |
| Net loans and leases to deposits | 101.3133% | 620 |
| Net loans and leases to core deposits | 105.0879% | 1,273 |
| Total domestic deposits to total assets | 76.9428% | 5,101 |
| Equity capital to assets | 13.1705% | 1,402 |
| Core capital (leverage) ratio | 13.1239% | 1,144 |
| Tier 1 risk-based capital ratio | 17.5249% | 2,067 |
| Total risk-based capital ratio | 18.7793% | 2,030 |
| Memoranda: | ||
| Average total assets | $155,474,250 | 3,458 |
| Average earning assets | $141,686,250 | 3,495 |
| Average equity | $21,350,500 | 3,058 |
| Average total loans | $120,309,750 | 3,067 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 380 |
| Cost of funding earning assets | 0.2341% | 4,809 |
| Net interest margin | 5.0378% | 241 |
| Noninterest income to average assets | 2.1679% | 310 |
| Noninterest expense to average assets | 3.9266% | 660 |
| Loan and lease loss provision to assets | 0.7151% | 156 |
| Net operating income to assets | 2.1136% | 270 |
| Return on assets (ROA) | 2.2248% | 232 |
| Pretax return on assets | 2.2248% | 363 |
| Return on Equity (ROE) | 15.9580% | 552 |
| Retained earnings to average equity (ytd only) | 11.0281% | 438 |
| Net charge-offs to loans | 0.6024% | 348 |
| Credit loss provision to net charge-offs | 154.7278% | 1,554 |
| Earnings coverage of net charge-offs (x) | 6.1203% | 2,779 |
| Efficiency ratio | 58.1259% | 4,886 |
| Assets per employee ($millions) | 3.4419% | 4,847 |
| Cash dividends to net income (ytd only)* | 30.8929% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 1,927 |
| Loan loss allowance to noncurrent loans | 210.5096% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.5585% | 3,348 |
| Noncurrent loans to loans | 0.7045% | 2,962 |
| Net loans and leases to total assets | 78.1065% | 1,186 |
| Net loans and leases to deposits | 103.7040% | 471 |
| Net loans and leases to core deposits | 107.0445% | 1,102 |
| Total domestic deposits to total assets | 75.3168% | 5,372 |
| Equity capital to assets | 12.9224% | 1,550 |
| Core capital (leverage) ratio | 13.3200% | 1,049 |
| Tier 1 risk-based capital ratio | 16.9924% | 2,224 |
| Total risk-based capital ratio | 18.2460% | 2,180 |
| Memoranda: | ||
| Average total assets | $151,021,670 | 3,547 |
| Average earning assets | $137,520,330 | 3,572 |
| Average equity | $21,055,330 | 3,092 |
| Average total loans | $115,871,670 | 3,141 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3109% | 349 |
| Cost of funding earning assets | 0.2262% | 4,938 |
| Net interest margin | 5.0847% | 212 |
| Noninterest income to average assets | 0.6863% | 2,106 |
| Noninterest expense to average assets | 3.8367% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4655% | 913 |
| Return on assets (ROA) | 1.6821% | 638 |
| Pretax return on assets | 1.6821% | 1,112 |
| Return on Equity (ROE) | 11.5634% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.9281% | 1,488 |
| Net charge-offs to loans | 0.4638% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.2016% | 2,458 |
| Efficiency ratio | 72.3607% | 2,748 |
| Assets per employee ($millions) | 3.2105% | 5,263 |
| Cash dividends to net income (ytd only)* | 31.4381% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5690% | 1,719 |
| Loan loss allowance to noncurrent loans | 184.7176% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6470% | 3,115 |
| Noncurrent loans to loans | 0.8494% | 2,725 |
| Net loans and leases to total assets | 74.0776% | 1,716 |
| Net loans and leases to deposits | 98.3931% | 729 |
| Net loans and leases to core deposits | 102.2333% | 1,319 |
| Total domestic deposits to total assets | 75.2874% | 5,489 |
| Equity capital to assets | 14.8084% | 739 |
| Core capital (leverage) ratio | 14.6072% | 679 |
| Tier 1 risk-based capital ratio | 20.4302% | 1,417 |
| Total risk-based capital ratio | 21.6846% | 1,391 |
| Memoranda: | ||
| Average total assets | $142,206,000 | 3,699 |
| Average earning assets | $129,093,000 | 3,730 |
| Average equity | $20,686,000 | 3,130 |
| Average total loans | $106,951,500 | 3,296 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4367% | 297 |
| Cost of funding earning assets | 0.2432% | 4,853 |
| Net interest margin | 5.1936% | 184 |
| Noninterest income to average assets | 0.6623% | 2,394 |
| Noninterest expense to average assets | 3.5569% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8608% | 438 |
| Return on assets (ROA) | 1.8665% | 440 |
| Pretax return on assets | 1.8665% | 700 |
| Return on Equity (ROE) | 13.1121% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.7547% | 1,402 |
| Net charge-offs to loans | 0.1615% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.4702% | 2,199 |
| Efficiency ratio | 65.6535% | 3,958 |
| Assets per employee ($millions) | 3.4083% | 4,967 |
| Cash dividends to net income (ytd only)* | 48.4848% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6656% | 1,434 |
| Loan loss allowance to noncurrent loans | 196.7069% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6364% | 3,158 |
| Noncurrent loans to loans | 0.8467% | 2,671 |
| Net loans and leases to total assets | 73.9081% | 1,749 |
| Net loans and leases to deposits | 100.2559% | 653 |
| Net loans and leases to core deposits | 104.9844% | 1,167 |
| Total domestic deposits to total assets | 73.7195% | 5,675 |
| Equity capital to assets | 14.2880% | 840 |
| Core capital (leverage) ratio | 14.0638% | 799 |
| Tier 1 risk-based capital ratio | 19.8012% | 1,519 |
| Total risk-based capital ratio | 21.0571% | 1,489 |
| Memoranda: | ||
| Average total assets | $139,670,600 | 3,723 |
| Average earning assets | $127,889,200 | 3,743 |
| Average equity | $19,882,400 | 3,184 |
| Average total loans | $103,994,600 | 3,316 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 298 |
| Cost of funding earning assets | 0.2516% | 4,868 |
| Net interest margin | 5.1888% | 189 |
| Noninterest income to average assets | 0.6378% | 2,538 |
| Noninterest expense to average assets | 3.5023% | 1,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8895% | 437 |
| Return on assets (ROA) | 1.8972% | 450 |
| Pretax return on assets | 1.8972% | 731 |
| Return on Equity (ROE) | 13.3399% | 1,053 |
| Retained earnings to average equity (ytd only) | 8.0310% | 1,234 |
| Net charge-offs to loans | 0.1267% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.0719% | 1,892 |
| Efficiency ratio | 64.9564% | 4,072 |
| Assets per employee ($millions) | 3.2719% | 5,169 |
| Cash dividends to net income (ytd only)* | 39.7973% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 1,362 |
| Loan loss allowance to noncurrent loans | 234.8045% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 3,610 |
| Noncurrent loans to loans | 0.7451% | 3,095 |
| Net loans and leases to total assets | 74.3281% | 1,675 |
| Net loans and leases to deposits | 104.0393% | 443 |
| Net loans and leases to core deposits | 106.9833% | 1,038 |
| Total domestic deposits to total assets | 71.4424% | 5,903 |
| Equity capital to assets | 14.4650% | 871 |
| Core capital (leverage) ratio | 14.3446% | 771 |
| Tier 1 risk-based capital ratio | 19.9184% | 1,572 |
| Total risk-based capital ratio | 21.1756% | 1,527 |
| Memoranda: | ||
| Average total assets | $138,801,250 | 3,772 |
| Average earning assets | $127,169,000 | 3,794 |
| Average equity | $19,739,750 | 3,229 |
| Average total loans | $103,095,750 | 3,362 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4371% | 298 |
| Cost of funding earning assets | 0.2527% | 4,910 |
| Net interest margin | 5.1845% | 187 |
| Noninterest income to average assets | 0.6036% | 2,715 |
| Noninterest expense to average assets | 3.4363% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9194% | 422 |
| Return on assets (ROA) | 1.9309% | 432 |
| Pretax return on assets | 1.9309% | 689 |
| Return on Equity (ROE) | 13.6568% | 968 |
| Retained earnings to average equity (ytd only) | 7.3710% | 1,534 |
| Net charge-offs to loans | 0.1216% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 21.3871% | 1,674 |
| Efficiency ratio | 64.1622% | 4,327 |
| Assets per employee ($millions) | 3.1765% | 5,377 |
| Cash dividends to net income (ytd only)* | 46.0270% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,321 |
| Loan loss allowance to noncurrent loans | 673.0496% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 5,001 |
| Noncurrent loans to loans | 0.2713% | 4,696 |
| Net loans and leases to total assets | 73.0088% | 1,819 |
| Net loans and leases to deposits | 97.6591% | 822 |
| Net loans and leases to core deposits | 106.9106% | 1,027 |
| Total domestic deposits to total assets | 74.7589% | 5,727 |
| Equity capital to assets | 14.1821% | 920 |
| Core capital (leverage) ratio | 14.3059% | 759 |
| Tier 1 risk-based capital ratio | 19.7104% | 1,619 |
| Total risk-based capital ratio | 20.9681% | 1,576 |
| Memoranda: | ||
| Average total assets | $138,171,330 | 3,819 |
| Average earning assets | $126,647,330 | 3,829 |
| Average equity | $19,536,000 | 3,272 |
| Average total loans | $101,982,670 | 3,401 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4157% | 295 |
| Cost of funding earning assets | 0.2602% | 4,902 |
| Net interest margin | 5.1555% | 186 |
| Noninterest income to average assets | 0.5532% | 2,932 |
| Noninterest expense to average assets | 3.3369% | 1,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9480% | 374 |
| Return on assets (ROA) | 1.9480% | 394 |
| Pretax return on assets | 1.9480% | 653 |
| Return on Equity (ROE) | 13.7988% | 914 |
| Retained earnings to average equity (ytd only) | 10.2511% | 863 |
| Net charge-offs to loans | 0.2257% | 1,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 11.7368% | 1,840 |
| Efficiency ratio | 63.1405% | 4,605 |
| Assets per employee ($millions) | 3.5809% | 4,757 |
| Cash dividends to net income (ytd only)* | 25.7100% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,336 |
| Loan loss allowance to noncurrent loans | 802.9536% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 5,195 |
| Noncurrent loans to loans | 0.2333% | 4,939 |
| Net loans and leases to total assets | 73.2642% | 1,604 |
| Net loans and leases to deposits | 93.4130% | 1,043 |
| Net loans and leases to core deposits | 102.4404% | 1,151 |
| Total domestic deposits to total assets | 78.4304% | 5,363 |
| Equity capital to assets | 14.4838% | 837 |
| Core capital (leverage) ratio | 14.1734% | 773 |
| Tier 1 risk-based capital ratio | 20.1313% | 1,588 |
| Total risk-based capital ratio | 21.3891% | 1,554 |
| Memoranda: | ||
| Average total assets | $137,373,000 | 3,853 |
| Average earning assets | $126,078,500 | 3,862 |
| Average equity | $19,393,000 | 3,303 |
| Average total loans | $101,003,500 | 3,436 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6302% | 261 |
| Cost of funding earning assets | 0.4022% | 3,668 |
| Net interest margin | 5.2280% | 201 |
| Noninterest income to average assets | 0.6841% | 2,373 |
| Noninterest expense to average assets | 3.4467% | 1,608 |
| Loan and lease loss provision to assets | 0.2993% | 688 |
| Net operating income to assets | 1.7310% | 540 |
| Return on assets (ROA) | 2.2340% | 211 |
| Pretax return on assets | 2.2340% | 299 |
| Return on Equity (ROE) | 16.7745% | 516 |
| Retained earnings to average equity (ytd only) | 8.2502% | 932 |
| Net charge-offs to loans | 0.3443% | 1,274 |
| Credit loss provision to net charge-offs | 119.1860% | 2,018 |
| Earnings coverage of net charge-offs (x) | 8.0843% | 2,930 |
| Efficiency ratio | 62.9299% | 4,764 |
| Assets per employee ($millions) | 3.6492% | 4,629 |
| Cash dividends to net income (ytd only)* | 50.8170% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 1,194 |
| Loan loss allowance to noncurrent loans | 690.1408% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 5,052 |
| Noncurrent loans to loans | 0.2828% | 4,838 |
| Net loans and leases to total assets | 70.9952% | 2,078 |
| Net loans and leases to deposits | 96.6570% | 857 |
| Net loans and leases to core deposits | 99.2429% | 1,441 |
| Total domestic deposits to total assets | 73.4506% | 5,985 |
| Equity capital to assets | 13.7571% | 1,046 |
| Core capital (leverage) ratio | 13.6716% | 912 |
| Tier 1 risk-based capital ratio | 19.6817% | 1,664 |
| Total risk-based capital ratio | 20.9416% | 1,629 |
| Memoranda: | ||
| Average total assets | $136,973,400 | 3,859 |
| Average earning assets | $125,573,000 | 3,854 |
| Average equity | $18,242,000 | 3,375 |
| Average total loans | $99,912,600 | 3,424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6476% | 249 |
| Cost of funding earning assets | 0.4476% | 3,281 |
| Net interest margin | 5.2000% | 205 |
| Noninterest income to average assets | 0.6884% | 2,388 |
| Noninterest expense to average assets | 3.5327% | 1,405 |
| Loan and lease loss provision to assets | 0.2050% | 1,147 |
| Net operating income to assets | 1.7146% | 600 |
| Return on assets (ROA) | 2.3874% | 171 |
| Pretax return on assets | 2.3874% | 263 |
| Return on Equity (ROE) | 18.0773% | 435 |
| Retained earnings to average equity (ytd only) | 10.7428% | 557 |
| Net charge-offs to loans | 0.2245% | 1,697 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 11.7026% | 2,388 |
| Efficiency ratio | 64.7923% | 4,414 |
| Assets per employee ($millions) | 3.7201% | 4,452 |
| Cash dividends to net income (ytd only)* | 40.5725% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 1,382 |
| Loan loss allowance to noncurrent loans | 501.5544% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.3146% | 5,017 |
| Noncurrent loans to loans | 0.3858% | 4,758 |
| Net loans and leases to total assets | 71.2899% | 1,975 |
| Net loans and leases to deposits | 95.8674% | 890 |
| Net loans and leases to core deposits | 98.4331% | 1,490 |
| Total domestic deposits to total assets | 74.3630% | 5,985 |
| Equity capital to assets | 13.7426% | 1,098 |
| Core capital (leverage) ratio | 14.1064% | 814 |
| Tier 1 risk-based capital ratio | 19.7274% | 1,733 |
| Total risk-based capital ratio | 20.9686% | 1,700 |
| Memoranda: | ||
| Average total assets | $136,549,250 | 3,889 |
| Average earning assets | $125,100,500 | 3,892 |
| Average equity | $18,033,250 | 3,413 |
| Average total loans | $99,788,500 | 3,452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6648% | 234 |
| Cost of funding earning assets | 0.5232% | 2,606 |
| Net interest margin | 5.1417% | 222 |
| Noninterest income to average assets | 0.6741% | 2,411 |
| Noninterest expense to average assets | 3.7244% | 1,091 |
| Loan and lease loss provision to assets | 0.3084% | 628 |
| Net operating income to assets | 1.3467% | 1,193 |
| Return on assets (ROA) | 2.3586% | 178 |
| Pretax return on assets | 2.3586% | 272 |
| Return on Equity (ROE) | 18.1070% | 449 |
| Retained earnings to average equity (ytd only) | 10.5192% | 613 |
| Net charge-offs to loans | 0.2387% | 1,614 |
| Credit loss provision to net charge-offs | 176.4706% | 1,295 |
| Earnings coverage of net charge-offs (x) | 9.4706% | 2,354 |
| Efficiency ratio | 69.2329% | 3,791 |
| Assets per employee ($millions) | 3.6244% | 4,609 |
| Cash dividends to net income (ytd only)* | 41.9054% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 1,341 |
| Loan loss allowance to noncurrent loans | 585.5457% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 5,271 |
| Noncurrent loans to loans | 0.3432% | 4,981 |
| Net loans and leases to total assets | 72.1740% | 1,713 |
| Net loans and leases to deposits | 91.4983% | 1,216 |
| Net loans and leases to core deposits | 93.8631% | 1,791 |
| Total domestic deposits to total assets | 78.8801% | 5,485 |
| Equity capital to assets | 13.7232% | 1,075 |
| Core capital (leverage) ratio | 13.6357% | 936 |
| Tier 1 risk-based capital ratio | 19.7056% | 1,760 |
| Total risk-based capital ratio | 20.9667% | 1,722 |
| Memoranda: | ||
| Average total assets | $136,184,000 | 3,919 |
| Average earning assets | $124,629,000 | 3,917 |
| Average equity | $17,739,000 | 3,446 |
| Average total loans | $99,697,000 | 3,460 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6564% | 239 |
| Cost of funding earning assets | 0.5828% | 2,137 |
| Net interest margin | 5.0736% | 233 |
| Noninterest income to average assets | 0.6413% | 2,511 |
| Noninterest expense to average assets | 2.9615% | 3,013 |
| Loan and lease loss provision to assets | 0.3061% | 623 |
| Net operating income to assets | 2.0171% | 332 |
| Return on assets (ROA) | 2.0171% | 344 |
| Pretax return on assets | 2.0171% | 511 |
| Return on Equity (ROE) | 15.9016% | 649 |
| Retained earnings to average equity (ytd only) | 10.6854% | 799 |
| Net charge-offs to loans | 0.3195% | 1,111 |
| Credit loss provision to net charge-offs | 131.2500% | 1,376 |
| Earnings coverage of net charge-offs (x) | 9.9625% | 1,901 |
| Efficiency ratio | 56.0397% | 5,835 |
| Assets per employee ($millions) | 3.8935% | 4,148 |
| Cash dividends to net income (ytd only)* | 32.8035% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,655 |
| Loan loss allowance to noncurrent loans | 540.5634% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 5,376 |
| Noncurrent loans to loans | 0.3581% | 5,046 |
| Net loans and leases to total assets | 71.3487% | 1,673 |
| Net loans and leases to deposits | 89.7476% | 1,182 |
| Net loans and leases to core deposits | 92.4494% | 1,690 |
| Total domestic deposits to total assets | 79.4992% | 5,601 |
| Equity capital to assets | 13.0297% | 1,292 |
| Core capital (leverage) ratio | 13.0124% | 1,154 |
| Tier 1 risk-based capital ratio | 18.8904% | 1,996 |
| Total risk-based capital ratio | 20.1497% | 1,957 |
| Memoranda: | ||
| Average total assets | $137,225,500 | 3,935 |
| Average earning assets | $125,592,000 | 3,935 |
| Average equity | $17,407,000 | 3,494 |
| Average total loans | $100,160,000 | 3,467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6798% | 273 |
| Cost of funding earning assets | 0.7083% | 1,756 |
| Net interest margin | 4.9715% | 324 |
| Noninterest income to average assets | 0.7005% | 2,537 |
| Noninterest expense to average assets | 3.0196% | 2,999 |
| Loan and lease loss provision to assets | 0.3024% | 1,110 |
| Net operating income to assets | 1.9317% | 379 |
| Return on assets (ROA) | 1.9317% | 381 |
| Pretax return on assets | 1.9317% | 566 |
| Return on Equity (ROE) | 15.9444% | 626 |
| Retained earnings to average equity (ytd only) | 7.5473% | 1,212 |
| Net charge-offs to loans | 0.3657% | 1,855 |
| Credit loss provision to net charge-offs | 116.6667% | 2,064 |
| Earnings coverage of net charge-offs (x) | 8.6194% | 2,637 |
| Efficiency ratio | 57.4757% | 5,795 |
| Assets per employee ($millions) | 3.6363% | 4,602 |
| Cash dividends to net income (ytd only)* | 52.6649% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 1,847 |
| Loan loss allowance to noncurrent loans | 607.0513% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.2323% | 5,585 |
| Noncurrent loans to loans | 0.3084% | 5,262 |
| Net loans and leases to total assets | 71.8479% | 1,708 |
| Net loans and leases to deposits | 92.5634% | 998 |
| Net loans and leases to core deposits | 95.3762% | 1,496 |
| Total domestic deposits to total assets | 77.6202% | 5,883 |
| Equity capital to assets | 12.3449% | 1,598 |
| Core capital (leverage) ratio | 12.4928% | 1,366 |
| Tier 1 risk-based capital ratio | 18.0006% | 2,248 |
| Total risk-based capital ratio | 19.2594% | 2,215 |
| Memoranda: | ||
| Average total assets | $138,892,400 | 3,901 |
| Average earning assets | $127,204,200 | 3,901 |
| Average equity | $16,827,200 | 3,584 |
| Average total loans | $98,437,200 | 3,487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6663% | 289 |
| Cost of funding earning assets | 0.7347% | 1,709 |
| Net interest margin | 4.9316% | 353 |
| Noninterest income to average assets | 0.6864% | 2,684 |
| Noninterest expense to average assets | 2.9778% | 3,060 |
| Loan and lease loss provision to assets | 0.3020% | 1,120 |
| Net operating income to assets | 1.9241% | 418 |
| Return on assets (ROA) | 1.9241% | 428 |
| Pretax return on assets | 1.9241% | 680 |
| Return on Equity (ROE) | 15.9571% | 654 |
| Retained earnings to average equity (ytd only) | 9.5170% | 903 |
| Net charge-offs to loans | 0.3683% | 1,727 |
| Credit loss provision to net charge-offs | 116.6667% | 2,018 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 2,599 |
| Efficiency ratio | 57.2218% | 5,774 |
| Assets per employee ($millions) | 3.4397% | 4,972 |
| Cash dividends to net income (ytd only)* | 40.3587% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 1,994 |
| Loan loss allowance to noncurrent loans | 443.1604% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,493 |
| Noncurrent loans to loans | 0.4298% | 5,126 |
| Net loans and leases to total assets | 70.3313% | 1,908 |
| Net loans and leases to deposits | 91.7413% | 1,000 |
| Net loans and leases to core deposits | 94.8277% | 1,495 |
| Total domestic deposits to total assets | 76.6626% | 6,094 |
| Equity capital to assets | 12.4606% | 1,605 |
| Core capital (leverage) ratio | 12.5024% | 1,425 |
| Tier 1 risk-based capital ratio | 18.4550% | 2,159 |
| Total risk-based capital ratio | 19.7139% | 2,125 |
| Memoranda: | ||
| Average total assets | $139,071,000 | 3,931 |
| Average earning assets | $127,393,250 | 3,929 |
| Average equity | $16,769,500 | 3,634 |
| Average total loans | $97,753,500 | 3,532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6268% | 303 |
| Cost of funding earning assets | 0.7644% | 1,622 |
| Net interest margin | 4.8624% | 392 |
| Noninterest income to average assets | 0.6506% | 2,911 |
| Noninterest expense to average assets | 2.9506% | 3,161 |
| Loan and lease loss provision to assets | 0.3009% | 1,199 |
| Net operating income to assets | 1.8472% | 468 |
| Return on assets (ROA) | 1.8472% | 502 |
| Pretax return on assets | 1.8472% | 825 |
| Return on Equity (ROE) | 15.4884% | 738 |
| Retained earnings to average equity (ytd only) | 7.8103% | 1,561 |
| Net charge-offs to loans | 0.5910% | 1,118 |
| Credit loss provision to net charge-offs | 72.9167% | 2,764 |
| Earnings coverage of net charge-offs (x) | 5.2049% | 2,945 |
| Efficiency ratio | 57.8696% | 5,751 |
| Assets per employee ($millions) | 3.4490% | 4,962 |
| Cash dividends to net income (ytd only)* | 49.5733% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8200% | 2,365 |
| Loan loss allowance to noncurrent loans | 581.1258% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 5,841 |
| Noncurrent loans to loans | 0.3132% | 5,513 |
| Net loans and leases to total assets | 68.6233% | 2,119 |
| Net loans and leases to deposits | 87.5676% | 1,394 |
| Net loans and leases to core deposits | 90.4377% | 1,871 |
| Total domestic deposits to total assets | 78.3660% | 5,902 |
| Equity capital to assets | 12.0188% | 1,904 |
| Core capital (leverage) ratio | 12.1418% | 1,541 |
| Tier 1 risk-based capital ratio | 18.3014% | 2,208 |
| Total risk-based capital ratio | 19.5598% | 2,172 |
| Memoranda: | ||
| Average total assets | $139,566,000 | 3,958 |
| Average earning assets | $127,673,670 | 3,950 |
| Average equity | $16,644,670 | 3,681 |
| Average total loans | $97,456,330 | 3,552 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 320 |
| Cost of funding earning assets | 0.8117% | 1,467 |
| Net interest margin | 4.7770% | 417 |
| Noninterest income to average assets | 0.6184% | 3,038 |
| Noninterest expense to average assets | 2.8981% | 3,351 |
| Loan and lease loss provision to assets | 0.2992% | 1,165 |
| Net operating income to assets | 1.7981% | 483 |
| Return on assets (ROA) | 1.7981% | 535 |
| Pretax return on assets | 1.7981% | 886 |
| Return on Equity (ROE) | 15.1351% | 736 |
| Retained earnings to average equity (ytd only) | 11.0095% | 872 |
| Net charge-offs to loans | 0.1307% | 2,620 |
| Credit loss provision to net charge-offs | 328.1250% | 740 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,119 |
| Efficiency ratio | 58.0148% | 5,849 |
| Assets per employee ($millions) | 3.4249% | 5,150 |
| Cash dividends to net income (ytd only)* | 27.2583% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9791% | 2,103 |
| Loan loss allowance to noncurrent loans | 424.7216% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 5,535 |
| Noncurrent loans to loans | 0.4660% | 5,256 |
| Net loans and leases to total assets | 67.2627% | 2,145 |
| Net loans and leases to deposits | 85.0228% | 1,467 |
| Net loans and leases to core deposits | 87.3075% | 1,978 |
| Total domestic deposits to total assets | 79.1114% | 5,941 |
| Equity capital to assets | 12.0203% | 2,024 |
| Core capital (leverage) ratio | 11.8687% | 1,644 |
| Tier 1 risk-based capital ratio | 17.9482% | 2,387 |
| Total risk-based capital ratio | 19.2084% | 2,348 |
| Memoranda: | ||
| Average total assets | $140,369,500 | 3,979 |
| Average earning assets | $128,616,500 | 3,968 |
| Average equity | $16,676,500 | 3,717 |
| Average total loans | $97,971,000 | 3,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8630% | 332 |
| Cost of funding earning assets | 0.9833% | 1,442 |
| Net interest margin | 4.8797% | 467 |
| Noninterest income to average assets | 0.6711% | 2,875 |
| Noninterest expense to average assets | 2.8861% | 3,693 |
| Loan and lease loss provision to assets | 0.4518% | 1,393 |
| Net operating income to assets | 1.7793% | 532 |
| Return on assets (ROA) | 1.7793% | 595 |
| Pretax return on assets | 1.7793% | 957 |
| Return on Equity (ROE) | 15.9839% | 662 |
| Retained earnings to average equity (ytd only) | 7.1424% | 1,502 |
| Net charge-offs to loans | 0.5080% | 2,211 |
| Credit loss provision to net charge-offs | 125.4864% | 2,254 |
| Earnings coverage of net charge-offs (x) | 6.1965% | 2,856 |
| Efficiency ratio | 56.3997% | 6,017 |
| Assets per employee ($millions) | 3.4224% | 5,166 |
| Cash dividends to net income (ytd only)* | 55.3150% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8417% | 2,461 |
| Loan loss allowance to noncurrent loans | 309.2749% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 5,085 |
| Noncurrent loans to loans | 0.5955% | 5,033 |
| Net loans and leases to total assets | 69.6632% | 1,908 |
| Net loans and leases to deposits | 88.1965% | 1,246 |
| Net loans and leases to core deposits | 90.5696% | 1,771 |
| Total domestic deposits to total assets | 78.9863% | 5,895 |
| Equity capital to assets | 11.7405% | 2,235 |
| Core capital (leverage) ratio | 11.3731% | 1,959 |
| Tier 1 risk-based capital ratio | 16.8772% | 2,710 |
| Total risk-based capital ratio | 18.1353% | 2,671 |
| Memoranda: | ||
| Average total assets | $142,751,800 | 3,900 |
| Average earning assets | $130,069,800 | 3,893 |
| Average equity | $15,891,000 | 3,789 |
| Average total loans | $101,176,200 | 3,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8703% | 352 |
| Cost of funding earning assets | 1.0197% | 1,451 |
| Net interest margin | 4.8506% | 522 |
| Noninterest income to average assets | 0.6315% | 3,100 |
| Noninterest expense to average assets | 2.8227% | 3,902 |
| Loan and lease loss provision to assets | 0.4092% | 1,566 |
| Net operating income to assets | 1.8191% | 544 |
| Return on assets (ROA) | 1.8191% | 609 |
| Pretax return on assets | 1.8191% | 995 |
| Return on Equity (ROE) | 16.5633% | 659 |
| Retained earnings to average equity (ytd only) | 9.3910% | 1,095 |
| Net charge-offs to loans | 0.5513% | 1,954 |
| Credit loss provision to net charge-offs | 104.7619% | 2,812 |
| Earnings coverage of net charge-offs (x) | 5.7047% | 2,951 |
| Efficiency ratio | 55.8829% | 6,069 |
| Assets per employee ($millions) | 3.4631% | 5,052 |
| Cash dividends to net income (ytd only)* | 43.3029% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 3,152 |
| Loan loss allowance to noncurrent loans | 175.8938% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 4,754 |
| Noncurrent loans to loans | 0.9666% | 4,504 |
| Net loans and leases to total assets | 70.1153% | 1,893 |
| Net loans and leases to deposits | 89.6707% | 1,188 |
| Net loans and leases to core deposits | 92.4820% | 1,734 |
| Total domestic deposits to total assets | 78.1920% | 6,035 |
| Equity capital to assets | 11.5558% | 2,694 |
| Core capital (leverage) ratio | 11.3705% | 2,076 |
| Tier 1 risk-based capital ratio | 16.7938% | 2,846 |
| Total risk-based capital ratio | 18.0509% | 2,794 |
| Memoranda: | ||
| Average total assets | $143,360,250 | 3,932 |
| Average earning assets | $130,619,500 | 3,924 |
| Average equity | $15,745,250 | 3,854 |
| Average total loans | $101,574,250 | 3,521 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8667% | 366 |
| Cost of funding earning assets | 1.0657% | 1,380 |
| Net interest margin | 4.8010% | 559 |
| Noninterest income to average assets | 0.6425% | 2,987 |
| Noninterest expense to average assets | 2.8161% | 3,954 |
| Loan and lease loss provision to assets | 0.2920% | 2,245 |
| Net operating income to assets | 1.9010% | 458 |
| Return on assets (ROA) | 1.9010% | 523 |
| Pretax return on assets | 1.9010% | 842 |
| Return on Equity (ROE) | 17.6111% | 556 |
| Retained earnings to average equity (ytd only) | 9.1598% | 1,216 |
| Net charge-offs to loans | 0.7711% | 1,427 |
| Credit loss provision to net charge-offs | 53.5714% | 3,962 |
| Earnings coverage of net charge-offs (x) | 4.0230% | 3,196 |
| Efficiency ratio | 56.2188% | 6,089 |
| Assets per employee ($millions) | 3.4840% | 5,016 |
| Cash dividends to net income (ytd only)* | 47.9883% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 3,978 |
| Loan loss allowance to noncurrent loans | 169.3764% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 4,956 |
| Noncurrent loans to loans | 0.8895% | 4,711 |
| Net loans and leases to total assets | 69.6139% | 1,984 |
| Net loans and leases to deposits | 88.3668% | 1,336 |
| Net loans and leases to core deposits | 90.4041% | 1,946 |
| Total domestic deposits to total assets | 78.7784% | 5,998 |
| Equity capital to assets | 11.1421% | 2,973 |
| Core capital (leverage) ratio | 10.9028% | 2,388 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,929 |
| Total risk-based capital ratio | 17.7361% | 2,889 |
| Memoranda: | ||
| Average total assets | $143,817,330 | 3,937 |
| Average earning assets | $130,806,000 | 3,943 |
| Average equity | $15,524,330 | 3,885 |
| Average total loans | $101,673,000 | 3,523 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7499% | 470 |
| Cost of funding earning assets | 1.0730% | 1,532 |
| Net interest margin | 4.6769% | 711 |
| Noninterest income to average assets | 0.6597% | 2,869 |
| Noninterest expense to average assets | 2.7470% | 4,254 |
| Loan and lease loss provision to assets | 0.2911% | 2,141 |
| Net operating income to assets | 1.8988% | 496 |
| Return on assets (ROA) | 1.8988% | 567 |
| Pretax return on assets | 1.8988% | 880 |
| Return on Equity (ROE) | 17.8752% | 563 |
| Retained earnings to average equity (ytd only) | 11.7689% | 862 |
| Net charge-offs to loans | 0.2391% | 2,740 |
| Credit loss provision to net charge-offs | 172.1311% | 1,484 |
| Earnings coverage of net charge-offs (x) | 12.9508% | 1,564 |
| Efficiency ratio | 55.6429% | 6,161 |
| Assets per employee ($millions) | 3.5442% | 5,015 |
| Cash dividends to net income (ytd only)* | 34.1606% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 3,217 |
| Loan loss allowance to noncurrent loans | 151.2554% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9325% | 4,651 |
| Noncurrent loans to loans | 1.1455% | 4,424 |
| Net loans and leases to total assets | 68.1884% | 2,075 |
| Net loans and leases to deposits | 88.4712% | 1,112 |
| Net loans and leases to core deposits | 91.0014% | 1,751 |
| Total domestic deposits to total assets | 77.0742% | 6,394 |
| Equity capital to assets | 10.6557% | 3,316 |
| Core capital (leverage) ratio | 10.7877% | 2,453 |
| Tier 1 risk-based capital ratio | 16.1851% | 3,081 |
| Total risk-based capital ratio | 17.4416% | 3,035 |
| Memoranda: | ||
| Average total assets | $144,303,500 | 3,965 |
| Average earning assets | $131,966,500 | 3,943 |
| Average equity | $15,328,500 | 3,927 |
| Average total loans | $102,029,000 | 3,538 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2685% | 269 |
| Cost of funding earning assets | 1.1785% | 2,172 |
| Net interest margin | 5.0900% | 345 |
| Noninterest income to average assets | 0.7000% | 2,605 |
| Noninterest expense to average assets | 2.9684% | 3,708 |
| Loan and lease loss provision to assets | 0.6030% | 1,717 |
| Net operating income to assets | 1.0349% | 2,067 |
| Return on assets (ROA) | 1.0368% | 2,209 |
| Pretax return on assets | 1.7588% | 881 |
| Return on Equity (ROE) | 9.4251% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.9733% | 2,658 |
| Net charge-offs to loans | 0.6777% | 2,461 |
| Credit loss provision to net charge-offs | 118.3261% | 2,710 |
| Earnings coverage of net charge-offs (x) | 4.6291% | 3,041 |
| Efficiency ratio | 55.7212% | 6,348 |
| Assets per employee ($millions) | 3.4950% | 5,024 |
| Cash dividends to net income (ytd only)* | 47.2340% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,379 |
| Loan loss allowance to noncurrent loans | 152.0536% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9212% | 4,769 |
| Noncurrent loans to loans | 1.0850% | 4,542 |
| Net loans and leases to total assets | 70.8483% | 1,857 |
| Net loans and leases to deposits | 91.5446% | 1,006 |
| Net loans and leases to core deposits | 93.6826% | 1,730 |
| Total domestic deposits to total assets | 77.3921% | 6,285 |
| Equity capital to assets | 10.5886% | 3,428 |
| Core capital (leverage) ratio | 10.8950% | 2,351 |
| Tier 1 risk-based capital ratio | 15.4958% | 3,324 |
| Total risk-based capital ratio | 16.7524% | 3,275 |
| Memoranda: | ||
| Average total assets | $135,998,000 | 4,056 |
| Average earning assets | $123,634,400 | 4,061 |
| Average equity | $14,960,000 | 3,916 |
| Average total loans | $102,259,000 | 3,565 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3550% | 247 |
| Cost of funding earning assets | 1.2071% | 2,278 |
| Net interest margin | 5.1479% | 311 |
| Noninterest income to average assets | 0.7165% | 2,499 |
| Noninterest expense to average assets | 3.0298% | 3,440 |
| Loan and lease loss provision to assets | 0.5614% | 1,749 |
| Net operating income to assets | 1.2871% | 1,416 |
| Return on assets (ROA) | 1.2879% | 1,510 |
| Pretax return on assets | 1.8006% | 953 |
| Return on Equity (ROE) | 11.5918% | 1,650 |
| Retained earnings to average equity (ytd only) | 8.9622% | 1,158 |
| Net charge-offs to loans | 0.5189% | 2,677 |
| Credit loss provision to net charge-offs | 142.3174% | 2,240 |
| Earnings coverage of net charge-offs (x) | 5.9849% | 2,649 |
| Efficiency ratio | 56.2028% | 6,252 |
| Assets per employee ($millions) | 3.1460% | 5,793 |
| Cash dividends to net income (ytd only)* | 22.6851% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 3,330 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0748% | 4,617 |
| Noncurrent loans to loans | 1.3668% | 4,251 |
| Net loans and leases to total assets | 75.3467% | 1,084 |
| Net loans and leases to deposits | 94.9943% | 760 |
| Net loans and leases to core deposits | 96.9182% | 1,516 |
| Total domestic deposits to total assets | 79.3171% | 5,912 |
| Equity capital to assets | 11.3893% | 2,785 |
| Core capital (leverage) ratio | 11.3598% | 2,125 |
| Tier 1 risk-based capital ratio | 15.9065% | 3,166 |
| Total risk-based capital ratio | 17.1635% | 3,117 |
| Memoranda: | ||
| Average total assets | $134,173,750 | 4,114 |
| Average earning assets | $121,832,500 | 4,114 |
| Average equity | $14,906,750 | 3,936 |
| Average total loans | $102,017,500 | 3,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3232% | 272 |
| Cost of funding earning assets | 1.2018% | 2,573 |
| Net interest margin | 5.1214% | 319 |
| Noninterest income to average assets | 0.7399% | 2,324 |
| Noninterest expense to average assets | 3.0118% | 3,593 |
| Loan and lease loss provision to assets | 0.3139% | 2,911 |
| Net operating income to assets | 1.4891% | 912 |
| Return on assets (ROA) | 1.4902% | 968 |
| Pretax return on assets | 2.0717% | 513 |
| Return on Equity (ROE) | 13.5278% | 1,080 |
| Retained earnings to average equity (ytd only) | 9.5387% | 951 |
| Net charge-offs to loans | 0.2582% | 3,593 |
| Credit loss provision to net charge-offs | 160.3053% | 1,894 |
| Earnings coverage of net charge-offs (x) | 12.1756% | 1,646 |
| Efficiency ratio | 55.8172% | 6,439 |
| Assets per employee ($millions) | 3.1332% | 5,796 |
| Cash dividends to net income (ytd only)* | 29.4885% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 3,613 |
| Loan loss allowance to noncurrent loans | 155.1078% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.7920% | 5,312 |
| Noncurrent loans to loans | 1.0455% | 4,907 |
| Net loans and leases to total assets | 74.5200% | 1,322 |
| Net loans and leases to deposits | 93.7380% | 890 |
| Net loans and leases to core deposits | 95.3675% | 1,745 |
| Total domestic deposits to total assets | 79.4981% | 5,951 |
| Equity capital to assets | 11.2092% | 2,760 |
| Core capital (leverage) ratio | 11.1741% | 2,133 |
| Tier 1 risk-based capital ratio | 15.8873% | 3,038 |
| Total risk-based capital ratio | 17.1433% | 3,010 |
| Memoranda: | ||
| Average total assets | $133,806,330 | 4,149 |
| Average earning assets | $121,647,330 | 4,154 |
| Average equity | $14,740,000 | 3,949 |
| Average total loans | $101,466,670 | 3,645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3511% | 260 |
| Cost of funding earning assets | 1.2392% | 2,574 |
| Net interest margin | 5.1119% | 297 |
| Noninterest income to average assets | 0.7499% | 2,257 |
| Noninterest expense to average assets | 3.0177% | 3,566 |
| Loan and lease loss provision to assets | 0.3150% | 2,655 |
| Net operating income to assets | 1.5149% | 848 |
| Return on assets (ROA) | 1.5149% | 889 |
| Pretax return on assets | 2.0698% | 495 |
| Return on Equity (ROE) | 13.8746% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.8746% | 483 |
| Net charge-offs to loans | 0.2886% | 2,903 |
| Credit loss provision to net charge-offs | 143.8356% | 1,967 |
| Earnings coverage of net charge-offs (x) | 10.8904% | 1,600 |
| Efficiency ratio | 55.8579% | 6,517 |
| Assets per employee ($millions) | 2.9886% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5984% | 3,733 |
| Loan loss allowance to noncurrent loans | 193.3894% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 5,671 |
| Noncurrent loans to loans | 0.8265% | 5,379 |
| Net loans and leases to total assets | 73.6536% | 1,398 |
| Net loans and leases to deposits | 92.8386% | 941 |
| Net loans and leases to core deposits | 94.4578% | 1,836 |
| Total domestic deposits to total assets | 79.3351% | 6,108 |
| Equity capital to assets | 11.0098% | 2,677 |
| Core capital (leverage) ratio | 11.0617% | 2,141 |
| Tier 1 risk-based capital ratio | 15.7713% | 3,015 |
| Total risk-based capital ratio | 17.0274% | 2,972 |
| Memoranda: | ||
| Average total assets | $133,345,000 | 4,187 |
| Average earning assets | $121,364,000 | 4,189 |
| Average equity | $14,559,000 | 3,982 |
| Average total loans | $101,172,500 | 3,691 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6149% | 272 |
| Cost of funding earning assets | 1.7575% | 1,351 |
| Net interest margin | 4.8574% | 592 |
| Noninterest income to average assets | 0.7738% | 2,408 |
| Noninterest expense to average assets | 3.0437% | 3,678 |
| Loan and lease loss provision to assets | 0.5048% | 3,136 |
| Net operating income to assets | 1.2145% | 1,380 |
| Return on assets (ROA) | 1.2173% | 1,449 |
| Pretax return on assets | 1.6503% | 1,036 |
| Return on Equity (ROE) | 11.6682% | 1,403 |
| Retained earnings to average equity (ytd only) | 8.3003% | 887 |
| Net charge-offs to loans | 0.2821% | 4,608 |
| Credit loss provision to net charge-offs | 236.0424% | 1,240 |
| Earnings coverage of net charge-offs (x) | 10.0601% | 1,758 |
| Efficiency ratio | 58.5891% | 6,267 |
| Assets per employee ($millions) | 2.9378% | 6,233 |
| Cash dividends to net income (ytd only)* | 28.8641% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 3,778 |
| Loan loss allowance to noncurrent loans | 221.3483% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 5,897 |
| Noncurrent loans to loans | 0.7002% | 5,649 |
| Net loans and leases to total assets | 75.7211% | 1,329 |
| Net loans and leases to deposits | 96.0184% | 867 |
| Net loans and leases to core deposits | 98.2915% | 1,766 |
| Total domestic deposits to total assets | 78.8610% | 6,116 |
| Equity capital to assets | 10.8252% | 2,833 |
| Core capital (leverage) ratio | 10.7839% | 2,317 |
| Tier 1 risk-based capital ratio | 14.8487% | 3,340 |
| Total risk-based capital ratio | 16.1039% | 3,295 |
| Memoranda: | ||
| Average total assets | $132,339,200 | 4,213 |
| Average earning assets | $120,455,200 | 4,216 |
| Average equity | $13,806,800 | 4,181 |
| Average total loans | $100,308,200 | 3,784 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5329% | 319 |
| Cost of funding earning assets | 1.8822% | 1,082 |
| Net interest margin | 4.6507% | 940 |
| Noninterest income to average assets | 0.7917% | 2,279 |
| Noninterest expense to average assets | 3.0015% | 3,738 |
| Loan and lease loss provision to assets | 0.3153% | 4,057 |
| Net operating income to assets | 1.1887% | 1,624 |
| Return on assets (ROA) | 1.1915% | 1,703 |
| Pretax return on assets | 1.7072% | 1,101 |
| Return on Equity (ROE) | 11.5293% | 1,640 |
| Retained earnings to average equity (ytd only) | 8.4984% | 1,239 |
| Net charge-offs to loans | 0.2694% | 4,328 |
| Credit loss provision to net charge-offs | 154.9505% | 2,477 |
| Earnings coverage of net charge-offs (x) | 9.9207% | 1,941 |
| Efficiency ratio | 59.7913% | 5,985 |
| Assets per employee ($millions) | 2.9367% | 6,295 |
| Cash dividends to net income (ytd only)* | 26.2894% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 5,012 |
| Loan loss allowance to noncurrent loans | 80.0123% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2864% | 4,568 |
| Noncurrent loans to loans | 1.6148% | 4,223 |
| Net loans and leases to total assets | 75.2121% | 1,548 |
| Net loans and leases to deposits | 94.1365% | 1,186 |
| Net loans and leases to core deposits | 96.0236% | 2,256 |
| Total domestic deposits to total assets | 79.8968% | 5,740 |
| Equity capital to assets | 10.6823% | 3,310 |
| Core capital (leverage) ratio | 10.5739% | 2,617 |
| Tier 1 risk-based capital ratio | 15.1231% | 3,195 |
| Total risk-based capital ratio | 16.3748% | 3,173 |
| Memoranda: | ||
| Average total assets | $132,373,750 | 4,268 |
| Average earning assets | $120,352,500 | 4,277 |
| Average equity | $13,680,750 | 4,278 |
| Average total loans | $99,965,250 | 3,860 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4876% | 345 |
| Cost of funding earning assets | 1.9742% | 972 |
| Net interest margin | 4.5134% | 1,176 |
| Noninterest income to average assets | 0.7701% | 2,282 |
| Noninterest expense to average assets | 2.9385% | 3,925 |
| Loan and lease loss provision to assets | 0.3141% | 3,866 |
| Net operating income to assets | 1.2051% | 1,546 |
| Return on assets (ROA) | 1.2095% | 1,603 |
| Pretax return on assets | 1.6248% | 1,231 |
| Return on Equity (ROE) | 11.8357% | 1,491 |
| Retained earnings to average equity (ytd only) | 7.6984% | 1,551 |
| Net charge-offs to loans | 0.3189% | 3,726 |
| Credit loss provision to net charge-offs | 130.8176% | 3,079 |
| Earnings coverage of net charge-offs (x) | 8.0503% | 2,199 |
| Efficiency ratio | 60.3224% | 5,992 |
| Assets per employee ($millions) | 2.9347% | 6,287 |
| Cash dividends to net income (ytd only)* | 34.9563% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 5,259 |
| Loan loss allowance to noncurrent loans | 72.9412% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 4,400 |
| Noncurrent loans to loans | 1.6938% | 4,147 |
| Net loans and leases to total assets | 75.0610% | 1,678 |
| Net loans and leases to deposits | 92.8008% | 1,421 |
| Net loans and leases to core deposits | 94.7333% | 2,615 |
| Total domestic deposits to total assets | 80.8840% | 5,440 |
| Equity capital to assets | 10.4284% | 3,495 |
| Core capital (leverage) ratio | 10.3098% | 2,816 |
| Tier 1 risk-based capital ratio | 14.1175% | 3,655 |
| Total risk-based capital ratio | 15.3673% | 3,613 |
| Memoranda: | ||
| Average total assets | $132,447,330 | 4,290 |
| Average earning assets | $120,352,670 | 4,304 |
| Average equity | $13,535,330 | 4,308 |
| Average total loans | $99,721,670 | 3,908 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5060% | 355 |
| Cost of funding earning assets | 2.0325% | 993 |
| Net interest margin | 4.4735% | 1,202 |
| Noninterest income to average assets | 0.7419% | 2,348 |
| Noninterest expense to average assets | 2.9131% | 4,003 |
| Loan and lease loss provision to assets | 0.3166% | 3,519 |
| Net operating income to assets | 1.1769% | 1,599 |
| Return on assets (ROA) | 1.1791% | 1,679 |
| Pretax return on assets | 1.5772% | 1,322 |
| Return on Equity (ROE) | 11.6569% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.6569% | 805 |
| Net charge-offs to loans | 0.3139% | 3,160 |
| Credit loss provision to net charge-offs | 134.6154% | 2,622 |
| Earnings coverage of net charge-offs (x) | 8.0385% | 1,998 |
| Efficiency ratio | 60.6403% | 6,067 |
| Assets per employee ($millions) | 2.9338% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,306 |
| Loan loss allowance to noncurrent loans | 93.3333% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0885% | 4,971 |
| Noncurrent loans to loans | 1.3233% | 4,767 |
| Net loans and leases to total assets | 73.7748% | 2,018 |
| Net loans and leases to deposits | 90.6552% | 1,807 |
| Net loans and leases to core deposits | 92.4510% | 3,055 |
| Total domestic deposits to total assets | 81.3796% | 5,318 |
| Equity capital to assets | 10.3096% | 3,462 |
| Core capital (leverage) ratio | 10.2141% | 2,917 |
| Tier 1 risk-based capital ratio | 14.3204% | 3,478 |
| Total risk-based capital ratio | 15.5709% | 3,447 |
| Memoranda: | ||
| Average total assets | $132,640,000 | 4,348 |
| Average earning assets | $120,442,000 | 4,359 |
| Average equity | $13,417,000 | 4,375 |
| Average total loans | $99,399,000 | 3,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6172% | 542 |
| Cost of funding earning assets | 2.3610% | 1,419 |
| Net interest margin | 4.2562% | 1,868 |
| Noninterest income to average assets | 0.6950% | 3,014 |
| Noninterest expense to average assets | 2.9225% | 4,451 |
| Loan and lease loss provision to assets | 0.3031% | 5,011 |
| Net operating income to assets | 1.4198% | 818 |
| Return on assets (ROA) | 0.2986% | 4,618 |
| Pretax return on assets | 0.2426% | 4,907 |
| Return on Equity (ROE) | 2.8911% | 4,554 |
| Retained earnings to average equity (ytd only) | -4.3583% | 5,919 |
| Net charge-offs to loans | 0.4180% | 4,136 |
| Credit loss provision to net charge-offs | 98.0676% | 5,683 |
| Earnings coverage of net charge-offs (x) | 5.3937% | 2,615 |
| Efficiency ratio | 63.6792% | 5,836 |
| Assets per employee ($millions) | 2.9613% | 6,322 |
| Cash dividends to net income (ytd only)* | 250.7500% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,424 |
| Loan loss allowance to noncurrent loans | 355.5224% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 6,590 |
| Noncurrent loans to loans | 0.3344% | 6,612 |
| Net loans and leases to total assets | 74.2845% | 2,205 |
| Net loans and leases to deposits | 91.1611% | 2,021 |
| Net loans and leases to core deposits | 117.3966% | 2,187 |
| Total domestic deposits to total assets | 81.4870% | 5,162 |
| Equity capital to assets | 9.9229% | 3,872 |
| Core capital (leverage) ratio | 9.7661% | 3,373 |
| Tier 1 risk-based capital ratio | 13.6533% | 3,718 |
| Total risk-based capital ratio | 14.8872% | 3,669 |
| Memoranda: | ||
| Average total assets | $133,962,400 | 4,263 |
| Average earning assets | $122,574,000 | 4,254 |
| Average equity | $13,835,800 | 4,304 |
| Average total loans | $99,035,800 | 3,979 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6136% | 601 |
| Cost of funding earning assets | 2.4199% | 1,560 |
| Net interest margin | 4.1937% | 2,087 |
| Noninterest income to average assets | 0.6809% | 3,150 |
| Noninterest expense to average assets | 2.9173% | 4,376 |
| Loan and lease loss provision to assets | 0.2972% | 4,586 |
| Net operating income to assets | 1.0058% | 2,033 |
| Return on assets (ROA) | 1.0089% | 2,087 |
| Pretax return on assets | 1.3150% | 1,920 |
| Return on Equity (ROE) | 9.6740% | 2,041 |
| Retained earnings to average equity (ytd only) | 2.7735% | 3,782 |
| Net charge-offs to loans | 0.3780% | 3,760 |
| Credit loss provision to net charge-offs | 106.7857% | 4,762 |
| Earnings coverage of net charge-offs (x) | 5.7786% | 2,737 |
| Efficiency ratio | 64.4630% | 5,668 |
| Assets per employee ($millions) | 2.7983% | 6,649 |
| Cash dividends to net income (ytd only)* | 71.3301% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 5,040 |
| Loan loss allowance to noncurrent loans | 236.7704% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,379 |
| Noncurrent loans to loans | 0.5120% | 6,282 |
| Net loans and leases to total assets | 73.8298% | 2,578 |
| Net loans and leases to deposits | 92.5065% | 2,154 |
| Net loans and leases to core deposits | 121.1883% | 2,141 |
| Total domestic deposits to total assets | 79.8104% | 5,516 |
| Equity capital to assets | 10.5288% | 3,481 |
| Core capital (leverage) ratio | 10.4674% | 2,818 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,374 |
| Total risk-based capital ratio | 15.5563% | 3,328 |
| Memoranda: | ||
| Average total assets | $134,138,500 | 4,280 |
| Average earning assets | $122,975,500 | 4,273 |
| Average equity | $13,989,000 | 4,302 |
| Average total loans | $98,749,500 | 4,024 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5948% | 665 |
| Cost of funding earning assets | 2.4730% | 1,707 |
| Net interest margin | 4.1217% | 2,247 |
| Noninterest income to average assets | 0.6280% | 3,480 |
| Noninterest expense to average assets | 2.9311% | 4,377 |
| Loan and lease loss provision to assets | 0.2849% | 4,299 |
| Net operating income to assets | 0.9217% | 2,372 |
| Return on assets (ROA) | 0.9263% | 2,452 |
| Pretax return on assets | 1.1918% | 2,322 |
| Return on Equity (ROE) | 8.9109% | 2,394 |
| Retained earnings to average equity (ytd only) | -1.4780% | 5,608 |
| Net charge-offs to loans | 0.3564% | 3,401 |
| Credit loss provision to net charge-offs | 109.1429% | 4,235 |
| Earnings coverage of net charge-offs (x) | 5.6343% | 2,794 |
| Efficiency ratio | 66.5876% | 5,443 |
| Assets per employee ($millions) | 2.6754% | 6,890 |
| Cash dividends to net income (ytd only)* | 116.5862% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2332% | 4,726 |
| Loan loss allowance to noncurrent loans | 152.2556% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,925 |
| Noncurrent loans to loans | 0.8099% | 5,607 |
| Net loans and leases to total assets | 72.7454% | 3,015 |
| Net loans and leases to deposits | 91.3368% | 2,593 |
| Net loans and leases to core deposits | 119.6697% | 2,400 |
| Total domestic deposits to total assets | 79.6452% | 5,573 |
| Equity capital to assets | 10.2637% | 3,650 |
| Core capital (leverage) ratio | 10.0804% | 3,209 |
| Tier 1 risk-based capital ratio | 14.0848% | 3,471 |
| Total risk-based capital ratio | 15.3255% | 3,413 |
| Memoranda: | ||
| Average total assets | $134,079,000 | 4,300 |
| Average earning assets | $122,764,000 | 4,296 |
| Average equity | $13,938,000 | 4,317 |
| Average total loans | $98,205,000 | 4,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6035% | 702 |
| Cost of funding earning assets | 2.5300% | 1,802 |
| Net interest margin | 4.0735% | 2,390 |
| Noninterest income to average assets | 0.5900% | 3,624 |
| Noninterest expense to average assets | 2.8935% | 4,177 |
| Loan and lease loss provision to assets | 0.2533% | 3,943 |
| Net operating income to assets | 0.9102% | 2,659 |
| Return on assets (ROA) | 0.9148% | 2,780 |
| Pretax return on assets | 1.1771% | 2,695 |
| Return on Equity (ROE) | 8.7452% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.7452% | 1,553 |
| Net charge-offs to loans | 0.1877% | 3,509 |
| Credit loss provision to net charge-offs | 184.7826% | 2,364 |
| Earnings coverage of net charge-offs (x) | 10.3913% | 1,957 |
| Efficiency ratio | 67.0117% | 5,143 |
| Assets per employee ($millions) | 2.8226% | 6,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 4,384 |
| Loan loss allowance to noncurrent loans | 113.1627% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 5,106 |
| Noncurrent loans to loans | 1.1085% | 4,769 |
| Net loans and leases to total assets | 71.9330% | 3,248 |
| Net loans and leases to deposits | 90.2513% | 2,886 |
| Net loans and leases to core deposits | 120.7646% | 2,350 |
| Total domestic deposits to total assets | 79.7030% | 5,466 |
| Equity capital to assets | 10.4670% | 3,492 |
| Core capital (leverage) ratio | 10.5564% | 2,861 |
| Tier 1 risk-based capital ratio | 14.3582% | 3,392 |
| Total risk-based capital ratio | 15.6087% | 3,315 |
| Memoranda: | ||
| Average total assets | $134,232,500 | 4,323 |
| Average earning assets | $122,844,000 | 4,308 |
| Average equity | $14,042,000 | 4,326 |
| Average total loans | $98,043,500 | 4,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9979% | 1,132 |
| Cost of funding earning assets | 2.9676% | 1,994 |
| Net interest margin | 4.0303% | 2,977 |
| Noninterest income to average assets | 0.7530% | 2,764 |
| Noninterest expense to average assets | 3.0035% | 4,069 |
| Loan and lease loss provision to assets | 0.2438% | 4,474 |
| Net operating income to assets | 0.9275% | 2,885 |
| Return on assets (ROA) | 0.9287% | 2,738 |
| Pretax return on assets | 1.1848% | 2,701 |
| Return on Equity (ROE) | 8.7749% | 2,723 |
| Retained earnings to average equity (ytd only) | 3.1955% | 3,160 |
| Net charge-offs to loans | 0.3398% | 3,134 |
| Credit loss provision to net charge-offs | 101.6129% | 5,237 |
| Earnings coverage of net charge-offs (x) | 5.9484% | 3,483 |
| Efficiency ratio | 67.7904% | 4,758 |
| Assets per employee ($millions) | 2.7705% | 6,635 |
| Cash dividends to net income (ytd only)* | 63.5833% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2311% | 4,301 |
| Loan loss allowance to noncurrent loans | 100.5029% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 4,604 |
| Noncurrent loans to loans | 1.2249% | 4,064 |
| Net loans and leases to total assets | 72.3354% | 3,512 |
| Net loans and leases to deposits | 91.4939% | 3,217 |
| Net loans and leases to core deposits | 123.2643% | 2,379 |
| Total domestic deposits to total assets | 79.0603% | 5,357 |
| Equity capital to assets | 10.4548% | 3,550 |
| Core capital (leverage) ratio | 10.3433% | 3,127 |
| Tier 1 risk-based capital ratio | 14.2839% | 3,402 |
| Total risk-based capital ratio | 15.5266% | 3,328 |
| Memoranda: | ||
| Average total assets | $129,215,800 | 4,301 |
| Average earning assets | $117,906,400 | 4,310 |
| Average equity | $13,675,400 | 4,408 |
| Average total loans | $91,227,400 | 4,186 |