Home > Farmers Bank and Trust Company > Performance and Condition Ratios
Farmers Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3969% | 2,307 |
| Cost of funding earning assets | 2.0284% | 1,858 |
| Net interest margin | 3.3685% | 2,625 |
| Noninterest income to average assets | 0.7900% | 831 |
| Noninterest expense to average assets | 2.6210% | 1,964 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.1975% | 1,744 |
| Return on assets (ROA) | 1.1975% | 1,749 |
| Pretax return on assets | 1.1975% | 2,257 |
| Return on Equity (ROE) | 18.7100% | 569 |
| Retained earnings to average equity (ytd only) | 10.0270% | 1,174 |
| Net charge-offs to loans | 0.0199% | 1,601 |
| Credit loss provision to net charge-offs | 937.5000% | 351 |
| Earnings coverage of net charge-offs (x) | 92.8750% | 734 |
| Efficiency ratio | 66.3039% | 2,208 |
| Assets per employee ($millions) | 5.5516% | 3,283 |
| Cash dividends to net income (ytd only)* | 46.4072% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,122 |
| Loan loss allowance to noncurrent loans | 1,691.4530% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 3,316 |
| Noncurrent loans to loans | 0.0717% | 3,310 |
| Net loans and leases to total assets | 70.8500% | 1,742 |
| Net loans and leases to deposits | 77.1547% | 2,303 |
| Net loans and leases to core deposits | 88.3505% | 2,157 |
| Total domestic deposits to total assets | 91.8300% | 328 |
| Equity capital to assets | 6.4679% | 4,156 |
| Core capital (leverage) ratio | 9.3537% | 3,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $223,125,000 | 2,880 |
| Average earning assets | $209,825,500 | 2,846 |
| Average equity | $14,281,500 | 3,436 |
| Average total loans | $161,114,000 | 2,665 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 2,385 |
| Cost of funding earning assets | 2.0462% | 2,116 |
| Net interest margin | 3.3269% | 2,443 |
| Noninterest income to average assets | 0.7700% | 981 |
| Noninterest expense to average assets | 2.7176% | 1,711 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 1.1001% | 1,745 |
| Return on assets (ROA) | 1.1001% | 1,744 |
| Pretax return on assets | 1.1001% | 2,243 |
| Return on Equity (ROE) | 16.4100% | 738 |
| Retained earnings to average equity (ytd only) | 3.8083% | 2,704 |
| Net charge-offs to loans | 0.0233% | 2,119 |
| Credit loss provision to net charge-offs | 363.6364% | 775 |
| Earnings coverage of net charge-offs (x) | 72.7273% | 989 |
| Efficiency ratio | 70.1195% | 1,970 |
| Assets per employee ($millions) | 5.3325% | 3,416 |
| Cash dividends to net income (ytd only)* | 76.7982% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,139 |
| Loan loss allowance to noncurrent loans | 1,754.1284% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,316 |
| Noncurrent loans to loans | 0.0686% | 3,301 |
| Net loans and leases to total assets | 71.8400% | 1,690 |
| Net loans and leases to deposits | 80.9840% | 2,047 |
| Net loans and leases to core deposits | 87.4778% | 2,300 |
| Total domestic deposits to total assets | 88.7100% | 1,262 |
| Equity capital to assets | 6.3307% | 4,132 |
| Core capital (leverage) ratio | 9.4887% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $207,244,800 | 2,951 |
| Average earning assets | $193,333,400 | 2,936 |
| Average equity | $13,890,800 | 3,427 |
| Average total loans | $141,373,800 | 2,809 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 2,451 |
| Cost of funding earning assets | 2.0496% | 2,092 |
| Net interest margin | 3.2520% | 2,560 |
| Noninterest income to average assets | 0.7900% | 905 |
| Noninterest expense to average assets | 2.7403% | 1,586 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.0209% | 1,980 |
| Return on assets (ROA) | 1.0209% | 1,985 |
| Pretax return on assets | 1.0209% | 2,485 |
| Return on Equity (ROE) | 15.0100% | 952 |
| Retained earnings to average equity (ytd only) | 6.6937% | 1,843 |
| Net charge-offs to loans | 0.0185% | 2,005 |
| Credit loss provision to net charge-offs | 473.6842% | 650 |
| Earnings coverage of net charge-offs (x) | 87.1053% | 866 |
| Efficiency ratio | 71.7384% | 1,814 |
| Assets per employee ($millions) | 5.0088% | 3,646 |
| Cash dividends to net income (ytd only)* | 55.3994% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 1,636 |
| Loan loss allowance to noncurrent loans | 7,022.2222% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,689 |
| Noncurrent loans to loans | 0.0188% | 3,675 |
| Net loans and leases to total assets | 69.1500% | 1,943 |
| Net loans and leases to deposits | 77.1675% | 2,419 |
| Net loans and leases to core deposits | 84.8294% | 2,502 |
| Total domestic deposits to total assets | 89.6000% | 710 |
| Equity capital to assets | 7.5098% | 3,959 |
| Core capital (leverage) ratio | 10.1172% | 2,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $204,397,500 | 2,963 |
| Average earning assets | $190,404,000 | 2,950 |
| Average equity | $13,903,250 | 3,434 |
| Average total loans | $136,973,750 | 2,844 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 2,464 |
| Cost of funding earning assets | 2.0050% | 2,106 |
| Net interest margin | 3.2337% | 2,561 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 2.7098% | 1,659 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.0280% | 1,908 |
| Return on assets (ROA) | 1.0280% | 1,910 |
| Pretax return on assets | 1.0280% | 2,394 |
| Return on Equity (ROE) | 15.6600% | 885 |
| Retained earnings to average equity (ytd only) | 7.0314% | 1,644 |
| Net charge-offs to loans | 0.0178% | 1,820 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 92.4167% | 807 |
| Efficiency ratio | 71.3733% | 1,931 |
| Assets per employee ($millions) | 4.9671% | 3,642 |
| Cash dividends to net income (ytd only)* | 55.1001% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 1,527 |
| Loan loss allowance to noncurrent loans | 6,689.2857% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,664 |
| Noncurrent loans to loans | 0.0203% | 3,634 |
| Net loans and leases to total assets | 66.9600% | 2,245 |
| Net loans and leases to deposits | 72.9104% | 2,765 |
| Net loans and leases to core deposits | 79.6832% | 2,825 |
| Total domestic deposits to total assets | 91.8400% | 292 |
| Equity capital to assets | 6.7203% | 4,039 |
| Core capital (leverage) ratio | 10.0617% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $204,077,000 | 2,969 |
| Average earning assets | $189,629,333 | 2,962 |
| Average equity | $13,397,000 | 3,460 |
| Average total loans | $134,667,667 | 2,864 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1617% | 2,480 |
| Cost of funding earning assets | 1.9435% | 2,138 |
| Net interest margin | 3.2181% | 2,527 |
| Noninterest income to average assets | 0.7100% | 1,002 |
| Noninterest expense to average assets | 2.7060% | 1,666 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.9301% | 2,150 |
| Return on assets (ROA) | 0.9301% | 2,165 |
| Pretax return on assets | 0.9301% | 2,584 |
| Return on Equity (ROE) | 14.3400% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.6140% | 2,229 |
| Net charge-offs to loans | 0.0060% | 1,885 |
| Credit loss provision to net charge-offs | 1,500.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 348 |
| Efficiency ratio | 73.2379% | 1,810 |
| Assets per employee ($millions) | 5.0593% | 3,623 |
| Cash dividends to net income (ytd only)* | 60.8421% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 1,409 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 64.7000% | 2,399 |
| Net loans and leases to deposits | 69.6961% | 2,919 |
| Net loans and leases to core deposits | 74.4773% | 3,080 |
| Total domestic deposits to total assets | 92.8400% | 207 |
| Equity capital to assets | 6.4876% | 4,085 |
| Core capital (leverage) ratio | 9.8187% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $204,290,000 | 2,974 |
| Average earning assets | $189,550,500 | 2,964 |
| Average equity | $13,252,500 | 3,478 |
| Average total loans | $132,882,500 | 2,877 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 2,847 |
| Cost of funding earning assets | 1.3669% | 2,313 |
| Net interest margin | 3.2547% | 2,745 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.7841% | 1,545 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.9957% | 2,232 |
| Return on assets (ROA) | 0.9572% | 2,337 |
| Pretax return on assets | 0.9572% | 2,790 |
| Return on Equity (ROE) | 15.4800% | 1,195 |
| Retained earnings to average equity (ytd only) | 1.5191% | 3,705 |
| Net charge-offs to loans | 0.0304% | 1,695 |
| Credit loss provision to net charge-offs | 63.1579% | 2,130 |
| Earnings coverage of net charge-offs (x) | 52.2368% | 1,269 |
| Efficiency ratio | 73.4199% | 1,517 |
| Assets per employee ($millions) | 5.4266% | 3,313 |
| Cash dividends to net income (ytd only)* | 90.1857% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 1,500 |
| Loan loss allowance to noncurrent loans | 1,689.8148% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,244 |
| Noncurrent loans to loans | 0.0812% | 3,142 |
| Net loans and leases to total assets | 63.6000% | 2,497 |
| Net loans and leases to deposits | 68.4750% | 2,991 |
| Net loans and leases to core deposits | 73.8698% | 3,080 |
| Total domestic deposits to total assets | 92.8800% | 186 |
| Equity capital to assets | 6.4866% | 4,120 |
| Core capital (leverage) ratio | 9.7302% | 3,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $196,937,400 | 3,004 |
| Average earning assets | $182,966,800 | 2,987 |
| Average equity | $12,178,000 | 3,506 |
| Average total loans | $125,144,400 | 2,901 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,788 |
| Cost of funding earning assets | 1.0148% | 1,998 |
| Net interest margin | 3.2902% | 2,900 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.7538% | 1,543 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0612% | 2,346 |
| Return on assets (ROA) | 1.0612% | 2,316 |
| Pretax return on assets | 1.0612% | 2,826 |
| Return on Equity (ROE) | 17.0200% | 1,171 |
| Retained earnings to average equity (ytd only) | 7.3945% | 2,393 |
| Net charge-offs to loans | 0.0264% | 1,165 |
| Credit loss provision to net charge-offs | 75.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 64.6250% | 980 |
| Efficiency ratio | 71.9479% | 1,536 |
| Assets per employee ($millions) | 4.7274% | 3,861 |
| Cash dividends to net income (ytd only)* | 56.5558% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,212 |
| Loan loss allowance to noncurrent loans | 956.7708% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 2,838 |
| Noncurrent loans to loans | 0.1583% | 2,696 |
| Net loans and leases to total assets | 61.6200% | 2,499 |
| Net loans and leases to deposits | 66.3327% | 2,905 |
| Net loans and leases to core deposits | 69.0065% | 3,022 |
| Total domestic deposits to total assets | 92.8900% | 323 |
| Equity capital to assets | 6.5478% | 4,016 |
| Core capital (leverage) ratio | 10.3006% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $192,610,000 | 3,084 |
| Average earning assets | $178,956,500 | 3,075 |
| Average equity | $12,009,000 | 3,570 |
| Average total loans | $121,026,500 | 2,965 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 2,413 |
| Cost of funding earning assets | 0.4921% | 1,450 |
| Net interest margin | 3.2561% | 2,687 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.4972% | 2,125 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.2324% | 1,651 |
| Return on assets (ROA) | 1.2324% | 1,604 |
| Pretax return on assets | 1.2324% | 2,331 |
| Return on Equity (ROE) | 17.2600% | 820 |
| Retained earnings to average equity (ytd only) | 5.1767% | 2,973 |
| Net charge-offs to loans | 0.0436% | 1,251 |
| Credit loss provision to net charge-offs | 141.1765% | 1,340 |
| Earnings coverage of net charge-offs (x) | 48.4706% | 1,386 |
| Efficiency ratio | 66.2986% | 2,191 |
| Assets per employee ($millions) | 4.6682% | 3,925 |
| Cash dividends to net income (ytd only)* | 70.0000% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,136 |
| Loan loss allowance to noncurrent loans | 1,702.7778% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,242 |
| Noncurrent loans to loans | 0.0894% | 3,115 |
| Net loans and leases to total assets | 62.1500% | 2,419 |
| Net loans and leases to deposits | 66.4676% | 2,860 |
| Net loans and leases to core deposits | 68.5608% | 2,974 |
| Total domestic deposits to total assets | 93.5000% | 307 |
| Equity capital to assets | 5.9180% | 4,121 |
| Core capital (leverage) ratio | 10.2216% | 2,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $194,737,400 | 3,073 |
| Average earning assets | $181,261,800 | 3,055 |
| Average equity | $13,908,400 | 3,478 |
| Average total loans | $117,046,000 | 2,952 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6014% | 2,344 |
| Cost of funding earning assets | 0.3906% | 1,358 |
| Net interest margin | 3.2108% | 2,592 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.4052% | 2,302 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2742% | 1,446 |
| Return on assets (ROA) | 1.2742% | 1,409 |
| Pretax return on assets | 1.2742% | 2,126 |
| Return on Equity (ROE) | 17.1200% | 770 |
| Retained earnings to average equity (ytd only) | 9.1795% | 1,588 |
| Net charge-offs to loans | 0.0494% | 989 |
| Credit loss provision to net charge-offs | 97.6744% | 1,347 |
| Earnings coverage of net charge-offs (x) | 44.4419% | 1,338 |
| Efficiency ratio | 64.8649% | 2,427 |
| Assets per employee ($millions) | 5.0693% | 3,619 |
| Cash dividends to net income (ytd only)* | 46.3884% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5030% | 1,280 |
| Loan loss allowance to noncurrent loans | 3,132.7586% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,624 |
| Noncurrent loans to loans | 0.0480% | 3,533 |
| Net loans and leases to total assets | 61.8100% | 2,313 |
| Net loans and leases to deposits | 66.0291% | 2,719 |
| Net loans and leases to core deposits | 67.6332% | 2,830 |
| Total domestic deposits to total assets | 93.6100% | 433 |
| Equity capital to assets | 5.7715% | 4,050 |
| Core capital (leverage) ratio | 10.1399% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $195,572,250 | 3,094 |
| Average earning assets | $181,924,000 | 3,078 |
| Average equity | $14,553,750 | 3,459 |
| Average total loans | $116,109,500 | 2,969 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4184% | 2,377 |
| Cost of funding earning assets | 0.3308% | 1,433 |
| Net interest margin | 3.0876% | 2,575 |
| Noninterest income to average assets | 0.6929% | 1,372 |
| Noninterest expense to average assets | 2.3231% | 2,484 |
| Loan and lease loss provision to assets | 0.0122% | 2,377 |
| Net operating income to assets | 1.2261% | 1,344 |
| Return on assets (ROA) | 1.2261% | 1,329 |
| Pretax return on assets | 1.2261% | 1,979 |
| Return on Equity (ROE) | 15.3513% | 825 |
| Retained earnings to average equity (ytd only) | 7.9878% | 1,624 |
| Net charge-offs to loans | 0.0611% | 794 |
| Credit loss provision to net charge-offs | 34.2857% | 1,552 |
| Earnings coverage of net charge-offs (x) | 34.7714% | 1,330 |
| Efficiency ratio | 65.2286% | 2,616 |
| Assets per employee ($millions) | 5.2801% | 3,446 |
| Cash dividends to net income (ytd only)* | 47.9668% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 1,371 |
| Loan loss allowance to noncurrent loans | 7,479.1667% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,756 |
| Noncurrent loans to loans | 0.0202% | 3,815 |
| Net loans and leases to total assets | 58.2298% | 2,507 |
| Net loans and leases to deposits | 62.5353% | 2,847 |
| Net loans and leases to core deposits | 63.8800% | 2,983 |
| Total domestic deposits to total assets | 93.1151% | 490 |
| Equity capital to assets | 6.3954% | 4,060 |
| Core capital (leverage) ratio | 9.9950% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,551,333 | 3,117 |
| Average earning assets | $182,601,000 | 3,117 |
| Average equity | $15,699,000 | 3,431 |
| Average total loans | $114,516,000 | 3,013 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2752% | 2,459 |
| Cost of funding earning assets | 0.4423% | 683 |
| Net interest margin | 2.8329% | 3,031 |
| Noninterest income to average assets | 0.6992% | 1,319 |
| Noninterest expense to average assets | 2.3444% | 2,357 |
| Loan and lease loss provision to assets | 0.0123% | 2,121 |
| Net operating income to assets | 0.9768% | 1,979 |
| Return on assets (ROA) | 0.9768% | 1,973 |
| Pretax return on assets | 0.9768% | 2,514 |
| Return on Equity (ROE) | 11.0900% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.3426% | 2,826 |
| Net charge-offs to loans | 0.0107% | 1,369 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | 160.3333% | 510 |
| Efficiency ratio | 70.3270% | 2,184 |
| Assets per employee ($millions) | 5.3910% | 3,400 |
| Cash dividends to net income (ytd only)* | 60.8421% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 1,277 |
| Loan loss allowance to noncurrent loans | 1,916.8421% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,551 |
| Noncurrent loans to loans | 0.0834% | 3,423 |
| Net loans and leases to total assets | 57.7751% | 2,320 |
| Net loans and leases to deposits | 63.0547% | 2,621 |
| Net loans and leases to core deposits | 64.3982% | 2,766 |
| Total domestic deposits to total assets | 91.6269% | 742 |
| Equity capital to assets | 7.8877% | 3,658 |
| Core capital (leverage) ratio | 9.6811% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,505,500 | 3,139 |
| Average earning assets | $180,875,500 | 3,133 |
| Average equity | $17,132,500 | 3,386 |
| Average total loans | $112,459,500 | 3,027 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 1,896 |
| Cost of funding earning assets | 0.3307% | 2,112 |
| Net interest margin | 3.4601% | 1,852 |
| Noninterest income to average assets | 0.7145% | 1,713 |
| Noninterest expense to average assets | 2.5087% | 2,155 |
| Loan and lease loss provision to assets | 0.0656% | 1,751 |
| Net operating income to assets | 1.3662% | 1,391 |
| Return on assets (ROA) | 1.3487% | 1,487 |
| Pretax return on assets | 1.3487% | 2,205 |
| Return on Equity (ROE) | 12.5458% | 1,634 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | -0.0161% | 3,900 |
| Credit loss provision to net charge-offs | -666.6667% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6654% | 2,616 |
| Assets per employee ($millions) | 5.7334% | 3,022 |
| Cash dividends to net income (ytd only)* | 100.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 1,179 |
| Loan loss allowance to noncurrent loans | 8,263.6364% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,035 |
| Noncurrent loans to loans | 0.0198% | 3,929 |
| Net loans and leases to total assets | 55.9943% | 2,613 |
| Net loans and leases to deposits | 65.2798% | 2,568 |
| Net loans and leases to core deposits | 66.5348% | 2,775 |
| Total domestic deposits to total assets | 85.7758% | 2,983 |
| Equity capital to assets | 9.7247% | 2,919 |
| Core capital (leverage) ratio | 9.9238% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,922,400 | 3,187 |
| Average earning assets | $170,542,000 | 3,181 |
| Average equity | $19,664,000 | 3,243 |
| Average total loans | $111,959,600 | 3,048 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 1,815 |
| Cost of funding earning assets | 0.3358% | 2,241 |
| Net interest margin | 3.5444% | 1,748 |
| Noninterest income to average assets | 0.6966% | 1,829 |
| Noninterest expense to average assets | 2.3832% | 2,489 |
| Loan and lease loss provision to assets | 0.0667% | 1,666 |
| Net operating income to assets | 1.5473% | 1,152 |
| Return on assets (ROA) | 1.5473% | 1,195 |
| Pretax return on assets | 1.5473% | 1,856 |
| Return on Equity (ROE) | 14.0314% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.2051% | 1,995 |
| Net charge-offs to loans | -0.0404% | 4,260 |
| Credit loss provision to net charge-offs | -264.7059% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6218% | 3,042 |
| Assets per employee ($millions) | 5.7048% | 2,988 |
| Cash dividends to net income (ytd only)* | 41.5230% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,381 |
| Loan loss allowance to noncurrent loans | 1,127.5000% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,515 |
| Noncurrent loans to loans | 0.1404% | 3,406 |
| Net loans and leases to total assets | 61.4209% | 2,088 |
| Net loans and leases to deposits | 73.2417% | 1,936 |
| Net loans and leases to core deposits | 74.6574% | 2,177 |
| Total domestic deposits to total assets | 83.8605% | 3,495 |
| Equity capital to assets | 11.2116% | 1,885 |
| Core capital (leverage) ratio | 10.7627% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,919,000 | 3,243 |
| Average earning assets | $167,546,250 | 3,240 |
| Average equity | $19,840,750 | 3,269 |
| Average total loans | $112,206,750 | 3,083 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 2,103 |
| Cost of funding earning assets | 0.3395% | 2,412 |
| Net interest margin | 3.4485% | 2,015 |
| Noninterest income to average assets | 0.7060% | 1,787 |
| Noninterest expense to average assets | 2.3648% | 2,569 |
| Loan and lease loss provision to assets | 0.0670% | 1,707 |
| Net operating income to assets | 1.4857% | 1,335 |
| Return on assets (ROA) | 1.4857% | 1,391 |
| Pretax return on assets | 1.4857% | 2,063 |
| Return on Equity (ROE) | 13.5493% | 1,547 |
| Retained earnings to average equity (ytd only) | 7.6610% | 2,205 |
| Net charge-offs to loans | -0.0233% | 4,049 |
| Credit loss provision to net charge-offs | -461.5385% | 3,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3650% | 2,966 |
| Assets per employee ($millions) | 5.7465% | 2,851 |
| Cash dividends to net income (ytd only)* | 43.4586% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5635% | 1,381 |
| Loan loss allowance to noncurrent loans | 1,095.6250% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 3,624 |
| Noncurrent loans to loans | 0.1427% | 3,485 |
| Net loans and leases to total assets | 60.0170% | 2,426 |
| Net loans and leases to deposits | 71.1851% | 2,284 |
| Net loans and leases to core deposits | 72.8158% | 2,536 |
| Total domestic deposits to total assets | 84.3111% | 3,340 |
| Equity capital to assets | 10.8751% | 2,091 |
| Core capital (leverage) ratio | 10.6216% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,041,333 | 3,254 |
| Average earning assets | $166,739,667 | 3,254 |
| Average equity | $19,632,000 | 3,281 |
| Average total loans | $111,632,667 | 3,104 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 2,414 |
| Cost of funding earning assets | 0.3462% | 2,555 |
| Net interest margin | 3.3329% | 2,291 |
| Noninterest income to average assets | 0.6953% | 1,883 |
| Noninterest expense to average assets | 2.2829% | 2,845 |
| Loan and lease loss provision to assets | 0.0679% | 1,797 |
| Net operating income to assets | 1.4404% | 1,466 |
| Return on assets (ROA) | 1.4404% | 1,539 |
| Pretax return on assets | 1.4404% | 2,167 |
| Return on Equity (ROE) | 13.0804% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.1366% | 2,535 |
| Net charge-offs to loans | -0.0395% | 4,302 |
| Credit loss provision to net charge-offs | -272.7273% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2151% | 3,007 |
| Assets per employee ($millions) | 5.3644% | 3,263 |
| Cash dividends to net income (ytd only)* | 45.4403% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 1,494 |
| Loan loss allowance to noncurrent loans | 6,146.4286% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,266 |
| Noncurrent loans to loans | 0.0249% | 4,164 |
| Net loans and leases to total assets | 60.6011% | 2,465 |
| Net loans and leases to deposits | 71.6970% | 2,340 |
| Net loans and leases to core deposits | 73.0648% | 2,607 |
| Total domestic deposits to total assets | 84.5239% | 3,271 |
| Equity capital to assets | 10.6146% | 2,155 |
| Core capital (leverage) ratio | 11.1392% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,618,000 | 3,273 |
| Average earning assets | $164,059,000 | 3,273 |
| Average equity | $19,449,000 | 3,286 |
| Average total loans | $111,390,500 | 3,111 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 1,595 |
| Cost of funding earning assets | 0.5097% | 2,887 |
| Net interest margin | 3.8890% | 1,249 |
| Noninterest income to average assets | 0.8373% | 1,429 |
| Noninterest expense to average assets | 2.8286% | 1,871 |
| Loan and lease loss provision to assets | 0.1098% | 2,970 |
| Net operating income to assets | 1.4920% | 827 |
| Return on assets (ROA) | 1.4774% | 931 |
| Pretax return on assets | 1.4774% | 1,416 |
| Return on Equity (ROE) | 11.3974% | 1,498 |
| Retained earnings to average equity (ytd only) | 0.1735% | 4,470 |
| Net charge-offs to loans | 0.0506% | 2,069 |
| Credit loss provision to net charge-offs | 307.4074% | 1,709 |
| Earnings coverage of net charge-offs (x) | 44.8519% | 1,296 |
| Efficiency ratio | 63.8454% | 2,850 |
| Assets per employee ($millions) | 5.0249% | 3,365 |
| Cash dividends to net income (ytd only)* | 98.4781% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 1,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.7121% | 2,403 |
| Net loans and leases to deposits | 76.5050% | 2,229 |
| Net loans and leases to core deposits | 78.0879% | 2,540 |
| Total domestic deposits to total assets | 83.2784% | 3,338 |
| Equity capital to assets | 11.4361% | 1,931 |
| Core capital (leverage) ratio | 11.7617% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,207,800 | 3,396 |
| Average earning assets | $139,702,400 | 3,386 |
| Average equity | $19,601,000 | 3,222 |
| Average total loans | $106,671,000 | 3,144 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 1,719 |
| Cost of funding earning assets | 0.5474% | 2,949 |
| Net interest margin | 3.8976% | 1,356 |
| Noninterest income to average assets | 0.8476% | 1,358 |
| Noninterest expense to average assets | 2.8507% | 1,823 |
| Loan and lease loss provision to assets | 0.0820% | 3,289 |
| Net operating income to assets | 1.5165% | 879 |
| Return on assets (ROA) | 1.4964% | 995 |
| Pretax return on assets | 1.4964% | 1,454 |
| Return on Equity (ROE) | 11.1603% | 1,630 |
| Retained earnings to average equity (ytd only) | 5.2675% | 2,443 |
| Net charge-offs to loans | 0.0605% | 1,736 |
| Credit loss provision to net charge-offs | 187.5000% | 2,157 |
| Earnings coverage of net charge-offs (x) | 36.5417% | 1,428 |
| Efficiency ratio | 64.0721% | 2,719 |
| Assets per employee ($millions) | 4.6029% | 3,721 |
| Cash dividends to net income (ytd only)* | 52.8015% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,533 |
| Loan loss allowance to noncurrent loans | 26,833.3333% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,513 |
| Noncurrent loans to loans | 0.0054% | 4,435 |
| Net loans and leases to total assets | 69.8854% | 1,965 |
| Net loans and leases to deposits | 86.0727% | 1,698 |
| Net loans and leases to core deposits | 87.1502% | 2,221 |
| Total domestic deposits to total assets | 81.1935% | 3,615 |
| Equity capital to assets | 12.8947% | 1,230 |
| Core capital (leverage) ratio | 12.6757% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,298,500 | 3,430 |
| Average earning assets | $135,191,250 | 3,426 |
| Average equity | $19,616,750 | 3,224 |
| Average total loans | $105,706,500 | 3,160 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,711 |
| Cost of funding earning assets | 0.5925% | 3,003 |
| Net interest margin | 3.9821% | 1,368 |
| Noninterest income to average assets | 0.8622% | 1,259 |
| Noninterest expense to average assets | 2.9042% | 1,820 |
| Loan and lease loss provision to assets | 0.0210% | 3,983 |
| Net operating income to assets | 1.6151% | 741 |
| Return on assets (ROA) | 1.5843% | 857 |
| Pretax return on assets | 1.5843% | 1,265 |
| Return on Equity (ROE) | 11.6527% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.7028% | 2,193 |
| Net charge-offs to loans | 0.0750% | 1,501 |
| Credit loss provision to net charge-offs | 38.4615% | 2,676 |
| Earnings coverage of net charge-offs (x) | 29.9744% | 1,436 |
| Efficiency ratio | 63.9642% | 2,831 |
| Assets per employee ($millions) | 4.4922% | 3,796 |
| Cash dividends to net income (ytd only)* | 51.0601% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,470 |
| Loan loss allowance to noncurrent loans | 983.4395% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 4,017 |
| Noncurrent loans to loans | 0.1457% | 3,873 |
| Net loans and leases to total assets | 69.5232% | 2,107 |
| Net loans and leases to deposits | 86.2075% | 1,742 |
| Net loans and leases to core deposits | 88.2700% | 2,214 |
| Total domestic deposits to total assets | 80.6463% | 3,695 |
| Equity capital to assets | 13.0853% | 1,135 |
| Core capital (leverage) ratio | 13.1362% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,898,333 | 3,454 |
| Average earning assets | $131,990,667 | 3,450 |
| Average equity | $19,429,000 | 3,230 |
| Average total loans | $103,948,667 | 3,179 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,381 |
| Cost of funding earning assets | 0.6498% | 3,171 |
| Net interest margin | 4.1655% | 987 |
| Noninterest income to average assets | 0.9480% | 960 |
| Noninterest expense to average assets | 3.0410% | 1,781 |
| Loan and lease loss provision to assets | 0.0319% | 3,374 |
| Net operating income to assets | 1.7220% | 491 |
| Return on assets (ROA) | 1.6582% | 608 |
| Pretax return on assets | 1.6582% | 930 |
| Return on Equity (ROE) | 11.9475% | 1,120 |
| Retained earnings to average equity (ytd only) | 5.9111% | 1,908 |
| Net charge-offs to loans | 0.0980% | 1,094 |
| Credit loss provision to net charge-offs | 44.0000% | 2,079 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,307 |
| Efficiency ratio | 63.4220% | 3,310 |
| Assets per employee ($millions) | 4.0856% | 3,804 |
| Cash dividends to net income (ytd only)* | 50.5245% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5605% | 1,165 |
| Loan loss allowance to noncurrent loans | 2,018.1818% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,317 |
| Noncurrent loans to loans | 0.0773% | 4,204 |
| Net loans and leases to total assets | 70.5692% | 2,159 |
| Net loans and leases to deposits | 88.5415% | 1,687 |
| Net loans and leases to core deposits | 90.6835% | 2,281 |
| Total domestic deposits to total assets | 79.7018% | 3,912 |
| Equity capital to assets | 13.8738% | 1,103 |
| Core capital (leverage) ratio | 13.8721% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2495% | 836 |
| Memoranda: | ||
| Average total assets | $137,979,500 | 3,479 |
| Average earning assets | $127,428,000 | 3,478 |
| Average equity | $19,150,500 | 3,262 |
| Average total loans | $102,057,500 | 3,195 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 1,469 |
| Cost of funding earning assets | 0.6445% | 3,442 |
| Net interest margin | 4.3597% | 967 |
| Noninterest income to average assets | 0.8631% | 1,263 |
| Noninterest expense to average assets | 3.0618% | 1,847 |
| Loan and lease loss provision to assets | 0.0744% | 2,505 |
| Net operating income to assets | 1.7412% | 606 |
| Return on assets (ROA) | 1.7427% | 640 |
| Pretax return on assets | 1.7427% | 1,083 |
| Return on Equity (ROE) | 12.1344% | 1,459 |
| Retained earnings to average equity (ytd only) | 0.5335% | 4,539 |
| Net charge-offs to loans | 0.0329% | 2,730 |
| Credit loss provision to net charge-offs | 300.0000% | 925 |
| Earnings coverage of net charge-offs (x) | 73.2424% | 851 |
| Efficiency ratio | 62.7753% | 3,251 |
| Assets per employee ($millions) | 4.0309% | 3,864 |
| Cash dividends to net income (ytd only)* | 95.6034% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,233 |
| Loan loss allowance to noncurrent loans | 1,889.1566% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,318 |
| Noncurrent loans to loans | 0.0794% | 4,205 |
| Net loans and leases to total assets | 75.1302% | 1,564 |
| Net loans and leases to deposits | 94.6544% | 1,094 |
| Net loans and leases to core deposits | 96.9813% | 1,819 |
| Total domestic deposits to total assets | 79.3732% | 4,105 |
| Equity capital to assets | 13.8847% | 1,143 |
| Core capital (leverage) ratio | 13.6897% | 1,001 |
| Tier 1 risk-based capital ratio | 17.6659% | 1,847 |
| Total risk-based capital ratio | 18.9179% | 1,801 |
| Memoranda: | ||
| Average total assets | $133,123,000 | 3,522 |
| Average earning assets | $122,577,400 | 3,527 |
| Average equity | $19,119,200 | 3,212 |
| Average total loans | $100,201,200 | 3,222 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 1,532 |
| Cost of funding earning assets | 0.6222% | 3,574 |
| Net interest margin | 4.3796% | 990 |
| Noninterest income to average assets | 0.8748% | 1,207 |
| Noninterest expense to average assets | 3.0139% | 1,938 |
| Loan and lease loss provision to assets | 0.0747% | 2,398 |
| Net operating income to assets | 1.8132% | 596 |
| Return on assets (ROA) | 1.8152% | 625 |
| Pretax return on assets | 1.8152% | 1,047 |
| Return on Equity (ROE) | 12.5308% | 1,430 |
| Retained earnings to average equity (ytd only) | 6.2758% | 2,233 |
| Net charge-offs to loans | 0.0282% | 2,531 |
| Credit loss provision to net charge-offs | 352.3810% | 858 |
| Earnings coverage of net charge-offs (x) | 89.0929% | 805 |
| Efficiency ratio | 61.4862% | 3,408 |
| Assets per employee ($millions) | 4.1222% | 3,727 |
| Cash dividends to net income (ytd only)* | 49.9164% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 1,217 |
| Loan loss allowance to noncurrent loans | 1,495.1923% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,337 |
| Noncurrent loans to loans | 0.1010% | 4,192 |
| Net loans and leases to total assets | 74.5216% | 1,712 |
| Net loans and leases to deposits | 96.5706% | 948 |
| Net loans and leases to core deposits | 101.7341% | 1,527 |
| Total domestic deposits to total assets | 77.1680% | 4,492 |
| Equity capital to assets | 14.5862% | 957 |
| Core capital (leverage) ratio | 14.6426% | 825 |
| Tier 1 risk-based capital ratio | 19.4481% | 1,468 |
| Total risk-based capital ratio | 20.7015% | 1,441 |
| Memoranda: | ||
| Average total assets | $132,141,250 | 3,572 |
| Average earning assets | $121,501,000 | 3,582 |
| Average equity | $19,141,750 | 3,235 |
| Average total loans | $99,118,000 | 3,279 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 1,521 |
| Cost of funding earning assets | 0.6043% | 3,627 |
| Net interest margin | 4.3800% | 978 |
| Noninterest income to average assets | 0.8621% | 1,172 |
| Noninterest expense to average assets | 3.0112% | 1,977 |
| Loan and lease loss provision to assets | 0.0764% | 2,289 |
| Net operating income to assets | 1.7960% | 603 |
| Return on assets (ROA) | 1.7991% | 621 |
| Pretax return on assets | 1.7991% | 1,034 |
| Return on Equity (ROE) | 12.4495% | 1,429 |
| Retained earnings to average equity (ytd only) | 6.2406% | 2,173 |
| Net charge-offs to loans | 0.0409% | 2,075 |
| Credit loss provision to net charge-offs | 250.0000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 61.2500% | 966 |
| Efficiency ratio | 61.6588% | 3,485 |
| Assets per employee ($millions) | 3.8310% | 4,088 |
| Cash dividends to net income (ytd only)* | 49.8726% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 1,184 |
| Loan loss allowance to noncurrent loans | 975.7962% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 4,149 |
| Noncurrent loans to loans | 0.1568% | 3,977 |
| Net loans and leases to total assets | 75.7136% | 1,593 |
| Net loans and leases to deposits | 91.8523% | 1,505 |
| Net loans and leases to core deposits | 94.8424% | 2,169 |
| Total domestic deposits to total assets | 82.4297% | 3,390 |
| Equity capital to assets | 14.9324% | 833 |
| Core capital (leverage) ratio | 14.5798% | 804 |
| Tier 1 risk-based capital ratio | 20.0487% | 1,344 |
| Total risk-based capital ratio | 21.3024% | 1,313 |
| Memoranda: | ||
| Average total assets | $130,844,000 | 3,610 |
| Average earning assets | $120,138,330 | 3,621 |
| Average equity | $18,908,330 | 3,255 |
| Average total loans | $97,847,670 | 3,317 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8512% | 1,766 |
| Cost of funding earning assets | 0.5707% | 3,726 |
| Net interest margin | 4.2804% | 1,132 |
| Noninterest income to average assets | 0.8663% | 1,129 |
| Noninterest expense to average assets | 2.9709% | 2,074 |
| Loan and lease loss provision to assets | 0.0763% | 2,152 |
| Net operating income to assets | 1.7539% | 650 |
| Return on assets (ROA) | 1.7539% | 670 |
| Pretax return on assets | 1.7539% | 1,090 |
| Return on Equity (ROE) | 12.3407% | 1,431 |
| Retained earnings to average equity (ytd only) | 6.1596% | 2,382 |
| Net charge-offs to loans | 0.0910% | 1,210 |
| Credit loss provision to net charge-offs | 113.6364% | 1,466 |
| Earnings coverage of net charge-offs (x) | 27.2727% | 1,384 |
| Efficiency ratio | 61.8806% | 3,553 |
| Assets per employee ($millions) | 4.0027% | 3,918 |
| Cash dividends to net income (ytd only)* | 50.0870% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5630% | 1,149 |
| Loan loss allowance to noncurrent loans | 1,331.8584% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,381 |
| Noncurrent loans to loans | 0.1174% | 4,214 |
| Net loans and leases to total assets | 71.7567% | 2,208 |
| Net loans and leases to deposits | 85.1422% | 2,236 |
| Net loans and leases to core deposits | 88.6244% | 2,626 |
| Total domestic deposits to total assets | 84.2787% | 2,957 |
| Equity capital to assets | 14.2814% | 943 |
| Core capital (leverage) ratio | 14.4764% | 821 |
| Tier 1 risk-based capital ratio | 20.3607% | 1,271 |
| Total risk-based capital ratio | 21.6144% | 1,243 |
| Memoranda: | ||
| Average total assets | $131,139,000 | 3,643 |
| Average earning assets | $120,548,500 | 3,650 |
| Average equity | $18,637,500 | 3,299 |
| Average total loans | $96,695,500 | 3,373 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 1,497 |
| Cost of funding earning assets | 0.4746% | 3,518 |
| Net interest margin | 4.3474% | 1,046 |
| Noninterest income to average assets | 0.8533% | 1,302 |
| Noninterest expense to average assets | 3.0437% | 1,953 |
| Loan and lease loss provision to assets | 0.0770% | 2,587 |
| Net operating income to assets | 1.7159% | 665 |
| Return on assets (ROA) | 1.7152% | 658 |
| Pretax return on assets | 1.7152% | 1,128 |
| Return on Equity (ROE) | 11.8141% | 1,781 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,982 |
| Net charge-offs to loans | 0.0519% | 2,413 |
| Credit loss provision to net charge-offs | 198.0000% | 1,458 |
| Earnings coverage of net charge-offs (x) | 46.1000% | 1,191 |
| Efficiency ratio | 62.9302% | 3,358 |
| Assets per employee ($millions) | 3.8291% | 4,136 |
| Cash dividends to net income (ytd only)* | 100.0000% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,158 |
| Loan loss allowance to noncurrent loans | 673.5426% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 3,954 |
| Noncurrent loans to loans | 0.2297% | 3,762 |
| Net loans and leases to total assets | 73.4327% | 2,022 |
| Net loans and leases to deposits | 91.2860% | 1,631 |
| Net loans and leases to core deposits | 93.4024% | 2,278 |
| Total domestic deposits to total assets | 80.4424% | 4,007 |
| Equity capital to assets | 14.1416% | 927 |
| Core capital (leverage) ratio | 14.5467% | 787 |
| Tier 1 risk-based capital ratio | 18.2229% | 1,688 |
| Total risk-based capital ratio | 19.4755% | 1,640 |
| Memoranda: | ||
| Average total assets | $128,558,600 | 3,664 |
| Average earning assets | $117,795,600 | 3,679 |
| Average equity | $18,664,200 | 3,223 |
| Average total loans | $96,291,400 | 3,366 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 1,403 |
| Cost of funding earning assets | 0.4592% | 3,462 |
| Net interest margin | 4.3496% | 1,009 |
| Noninterest income to average assets | 0.8448% | 1,343 |
| Noninterest expense to average assets | 3.0099% | 1,993 |
| Loan and lease loss provision to assets | 0.0770% | 2,421 |
| Net operating income to assets | 1.7396% | 684 |
| Return on assets (ROA) | 1.7396% | 690 |
| Pretax return on assets | 1.7396% | 1,179 |
| Return on Equity (ROE) | 11.9038% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.1156% | 2,599 |
| Net charge-offs to loans | 0.0652% | 1,899 |
| Credit loss provision to net charge-offs | 157.4468% | 1,645 |
| Earnings coverage of net charge-offs (x) | 37.1460% | 1,413 |
| Efficiency ratio | 62.3626% | 3,448 |
| Assets per employee ($millions) | 3.8960% | 4,048 |
| Cash dividends to net income (ytd only)* | 48.6242% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 1,156 |
| Loan loss allowance to noncurrent loans | 1,357.7982% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,536 |
| Noncurrent loans to loans | 0.1155% | 4,372 |
| Net loans and leases to total assets | 74.5067% | 1,898 |
| Net loans and leases to deposits | 89.7851% | 1,931 |
| Net loans and leases to core deposits | 91.8856% | 2,492 |
| Total domestic deposits to total assets | 82.9833% | 3,312 |
| Equity capital to assets | 15.2657% | 667 |
| Core capital (leverage) ratio | 14.9081% | 720 |
| Tier 1 risk-based capital ratio | 20.8817% | 1,200 |
| Total risk-based capital ratio | 22.1351% | 1,174 |
| Memoranda: | ||
| Average total assets | $128,150,750 | 3,706 |
| Average earning assets | $117,311,000 | 3,734 |
| Average equity | $18,727,500 | 3,232 |
| Average total loans | $96,088,250 | 3,404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 1,463 |
| Cost of funding earning assets | 0.4214% | 3,559 |
| Net interest margin | 4.2953% | 1,041 |
| Noninterest income to average assets | 0.8414% | 1,343 |
| Noninterest expense to average assets | 2.9711% | 2,131 |
| Loan and lease loss provision to assets | 0.0773% | 2,358 |
| Net operating income to assets | 1.7338% | 676 |
| Return on assets (ROA) | 1.7338% | 677 |
| Pretax return on assets | 1.7338% | 1,129 |
| Return on Equity (ROE) | 12.0369% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,471 |
| Net charge-offs to loans | 0.0538% | 1,838 |
| Credit loss provision to net charge-offs | 192.3077% | 1,339 |
| Earnings coverage of net charge-offs (x) | 45.0385% | 1,208 |
| Efficiency ratio | 62.1281% | 3,607 |
| Assets per employee ($millions) | 3.7416% | 4,291 |
| Cash dividends to net income (ytd only)* | 48.7065% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,553.6842% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0725% | 4,649 |
| Noncurrent loans to loans | 0.0976% | 4,476 |
| Net loans and leases to total assets | 73.1803% | 2,093 |
| Net loans and leases to deposits | 93.4756% | 1,418 |
| Net loans and leases to core deposits | 95.6809% | 2,089 |
| Total domestic deposits to total assets | 78.2881% | 4,540 |
| Equity capital to assets | 14.3651% | 844 |
| Core capital (leverage) ratio | 14.5589% | 762 |
| Tier 1 risk-based capital ratio | 19.6337% | 1,395 |
| Total risk-based capital ratio | 20.8868% | 1,362 |
| Memoranda: | ||
| Average total assets | $129,310,330 | 3,713 |
| Average earning assets | $118,642,000 | 3,737 |
| Average equity | $18,626,000 | 3,262 |
| Average total loans | $96,661,330 | 3,398 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,425 |
| Cost of funding earning assets | 0.3846% | 3,699 |
| Net interest margin | 4.2683% | 1,012 |
| Noninterest income to average assets | 0.8997% | 1,147 |
| Noninterest expense to average assets | 2.9388% | 2,228 |
| Loan and lease loss provision to assets | 0.0778% | 2,216 |
| Net operating income to assets | 1.7869% | 576 |
| Return on assets (ROA) | 1.7869% | 580 |
| Pretax return on assets | 1.7869% | 937 |
| Return on Equity (ROE) | 12.3887% | 1,442 |
| Retained earnings to average equity (ytd only) | 6.3670% | 2,557 |
| Net charge-offs to loans | 0.0830% | 1,308 |
| Credit loss provision to net charge-offs | 125.0000% | 1,357 |
| Earnings coverage of net charge-offs (x) | 29.9500% | 1,239 |
| Efficiency ratio | 61.1795% | 3,917 |
| Assets per employee ($millions) | 4.2963% | 3,496 |
| Cash dividends to net income (ytd only)* | 48.6063% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5219% | 1,385 |
| Loan loss allowance to noncurrent loans | 1,313.5135% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 4,660 |
| Noncurrent loans to loans | 0.1159% | 4,446 |
| Net loans and leases to total assets | 73.1950% | 1,998 |
| Net loans and leases to deposits | 89.3677% | 1,769 |
| Net loans and leases to core deposits | 92.3075% | 2,274 |
| Total domestic deposits to total assets | 81.9032% | 3,991 |
| Equity capital to assets | 14.4131% | 795 |
| Core capital (leverage) ratio | 14.6378% | 734 |
| Tier 1 risk-based capital ratio | 19.6603% | 1,403 |
| Total risk-based capital ratio | 20.9129% | 1,370 |
| Memoranda: | ||
| Average total assets | $128,487,500 | 3,767 |
| Average earning assets | $117,517,000 | 3,790 |
| Average equity | $18,533,000 | 3,304 |
| Average total loans | $96,337,000 | 3,421 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,447 |
| Cost of funding earning assets | 0.3208% | 3,944 |
| Net interest margin | 4.2743% | 1,022 |
| Noninterest income to average assets | 0.8356% | 1,449 |
| Noninterest expense to average assets | 2.9916% | 2,185 |
| Loan and lease loss provision to assets | 0.0833% | 2,538 |
| Net operating income to assets | 1.6889% | 536 |
| Return on assets (ROA) | 1.6889% | 551 |
| Pretax return on assets | 1.6889% | 1,033 |
| Return on Equity (ROE) | 11.1565% | 1,416 |
| Retained earnings to average equity (ytd only) | 0.0159% | 5,003 |
| Net charge-offs to loans | 0.0075% | 3,808 |
| Credit loss provision to net charge-offs | 1,485.7143% | 272 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 272 |
| Efficiency ratio | 62.7985% | 3,812 |
| Assets per employee ($millions) | 3.7672% | 4,331 |
| Cash dividends to net income (ytd only)* | 99.8577% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,412 |
| Loan loss allowance to noncurrent loans | 2,641.8182% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,920 |
| Noncurrent loans to loans | 0.0568% | 4,741 |
| Net loans and leases to total assets | 74.4990% | 1,835 |
| Net loans and leases to deposits | 90.8495% | 1,671 |
| Net loans and leases to core deposits | 95.7331% | 2,050 |
| Total domestic deposits to total assets | 82.0026% | 3,871 |
| Equity capital to assets | 14.4349% | 798 |
| Core capital (leverage) ratio | 14.5543% | 714 |
| Tier 1 risk-based capital ratio | 19.2183% | 1,464 |
| Total risk-based capital ratio | 20.4703% | 1,438 |
| Memoranda: | ||
| Average total assets | $124,816,800 | 3,822 |
| Average earning assets | $114,709,200 | 3,831 |
| Average equity | $18,894,800 | 3,254 |
| Average total loans | $93,421,600 | 3,463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,475 |
| Cost of funding earning assets | 0.2997% | 4,137 |
| Net interest margin | 4.2594% | 1,028 |
| Noninterest income to average assets | 0.8441% | 1,439 |
| Noninterest expense to average assets | 2.9644% | 2,206 |
| Loan and lease loss provision to assets | 0.0796% | 2,492 |
| Net operating income to assets | 1.7279% | 552 |
| Return on assets (ROA) | 1.7279% | 563 |
| Pretax return on assets | 1.7279% | 1,052 |
| Return on Equity (ROE) | 11.2791% | 1,580 |
| Retained earnings to average equity (ytd only) | 5.8466% | 2,342 |
| Net charge-offs to loans | -0.0014% | 4,295 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1226% | 3,862 |
| Assets per employee ($millions) | 4.2645% | 3,532 |
| Cash dividends to net income (ytd only)* | 48.1642% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,477 |
| Loan loss allowance to noncurrent loans | 2,468.9655% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,998 |
| Noncurrent loans to loans | 0.0614% | 4,839 |
| Net loans and leases to total assets | 75.2131% | 1,725 |
| Net loans and leases to deposits | 96.9240% | 1,014 |
| Net loans and leases to core deposits | 98.0478% | 1,881 |
| Total domestic deposits to total assets | 77.6001% | 4,787 |
| Equity capital to assets | 15.6990% | 600 |
| Core capital (leverage) ratio | 15.4489% | 586 |
| Tier 1 risk-based capital ratio | 20.2411% | 1,318 |
| Total risk-based capital ratio | 21.4932% | 1,286 |
| Memoranda: | ||
| Average total assets | $123,999,750 | 3,877 |
| Average earning assets | $114,347,250 | 3,877 |
| Average equity | $18,996,250 | 3,276 |
| Average total loans | $92,558,250 | 3,511 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 1,525 |
| Cost of funding earning assets | 0.2715% | 4,360 |
| Net interest margin | 4.2227% | 1,030 |
| Noninterest income to average assets | 0.8702% | 1,366 |
| Noninterest expense to average assets | 2.9329% | 2,315 |
| Loan and lease loss provision to assets | 0.0806% | 2,376 |
| Net operating income to assets | 1.7420% | 513 |
| Return on assets (ROA) | 1.7420% | 520 |
| Pretax return on assets | 1.7420% | 961 |
| Return on Equity (ROE) | 11.4654% | 1,471 |
| Retained earnings to average equity (ytd only) | 5.9501% | 2,150 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6740% | 4,054 |
| Assets per employee ($millions) | 4.1785% | 3,665 |
| Cash dividends to net income (ytd only)* | 48.1036% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 1,583 |
| Loan loss allowance to noncurrent loans | 70,300.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,321 |
| Noncurrent loans to loans | 0.0021% | 5,202 |
| Net loans and leases to total assets | 73.7962% | 1,909 |
| Net loans and leases to deposits | 91.5232% | 1,557 |
| Net loans and leases to core deposits | 92.2534% | 2,317 |
| Total domestic deposits to total assets | 80.6312% | 4,275 |
| Equity capital to assets | 15.3060% | 652 |
| Core capital (leverage) ratio | 15.3296% | 575 |
| Tier 1 risk-based capital ratio | 19.4506% | 1,487 |
| Total risk-based capital ratio | 20.7022% | 1,440 |
| Memoranda: | ||
| Average total assets | $124,109,670 | 3,893 |
| Average earning assets | $114,193,000 | 3,906 |
| Average equity | $18,856,670 | 3,296 |
| Average total loans | $91,928,330 | 3,540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 1,529 |
| Cost of funding earning assets | 0.2574% | 4,476 |
| Net interest margin | 4.1820% | 1,026 |
| Noninterest income to average assets | 0.9037% | 1,224 |
| Noninterest expense to average assets | 2.8991% | 2,458 |
| Loan and lease loss provision to assets | 0.0810% | 2,197 |
| Net operating income to assets | 1.7654% | 478 |
| Return on assets (ROA) | 1.7654% | 488 |
| Pretax return on assets | 1.7654% | 869 |
| Return on Equity (ROE) | 11.6631% | 1,348 |
| Retained earnings to average equity (ytd only) | 6.0134% | 2,324 |
| Net charge-offs to loans | 0.0088% | 2,667 |
| Credit loss provision to net charge-offs | 1,250.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 210 |
| Efficiency ratio | 61.0922% | 4,302 |
| Assets per employee ($millions) | 4.1047% | 3,832 |
| Cash dividends to net income (ytd only)* | 48.4404% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 1,669 |
| Loan loss allowance to noncurrent loans | 425.6173% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 4,159 |
| Noncurrent loans to loans | 0.3542% | 3,826 |
| Net loans and leases to total assets | 73.1538% | 1,883 |
| Net loans and leases to deposits | 88.8708% | 1,680 |
| Net loans and leases to core deposits | 89.8019% | 2,366 |
| Total domestic deposits to total assets | 82.3147% | 4,081 |
| Equity capital to assets | 15.3002% | 595 |
| Core capital (leverage) ratio | 15.1174% | 587 |
| Tier 1 risk-based capital ratio | 20.4083% | 1,316 |
| Total risk-based capital ratio | 21.6602% | 1,286 |
| Memoranda: | ||
| Average total assets | $123,486,500 | 3,941 |
| Average earning assets | $113,438,000 | 3,954 |
| Average equity | $18,691,500 | 3,324 |
| Average total loans | $90,935,500 | 3,577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 1,730 |
| Cost of funding earning assets | 0.2535% | 4,532 |
| Net interest margin | 4.1811% | 1,161 |
| Noninterest income to average assets | 0.8510% | 1,574 |
| Noninterest expense to average assets | 2.9475% | 2,507 |
| Loan and lease loss provision to assets | 0.1013% | 2,349 |
| Net operating income to assets | 1.6407% | 626 |
| Return on assets (ROA) | 1.6448% | 643 |
| Pretax return on assets | 1.6448% | 1,157 |
| Return on Equity (ROE) | 10.5599% | 1,744 |
| Retained earnings to average equity (ytd only) | -0.0157% | 5,309 |
| Net charge-offs to loans | 0.0196% | 3,665 |
| Credit loss provision to net charge-offs | 729.4118% | 494 |
| Earnings coverage of net charge-offs (x) | 125.4706% | 485 |
| Efficiency ratio | 62.8527% | 4,128 |
| Assets per employee ($millions) | 3.8697% | 4,191 |
| Cash dividends to net income (ytd only)* | 100.1490% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,669 |
| Loan loss allowance to noncurrent loans | 446.0526% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 4,324 |
| Noncurrent loans to loans | 0.3362% | 3,935 |
| Net loans and leases to total assets | 71.9149% | 2,178 |
| Net loans and leases to deposits | 89.0049% | 1,803 |
| Net loans and leases to core deposits | 89.9498% | 2,501 |
| Total domestic deposits to total assets | 80.7988% | 4,387 |
| Equity capital to assets | 14.9736% | 649 |
| Core capital (leverage) ratio | 15.0600% | 592 |
| Tier 1 risk-based capital ratio | 20.2136% | 1,340 |
| Total risk-based capital ratio | 21.4657% | 1,316 |
| Memoranda: | ||
| Average total assets | $122,444,200 | 3,951 |
| Average earning assets | $112,410,800 | 3,963 |
| Average equity | $19,072,200 | 3,263 |
| Average total loans | $86,693,200 | 3,647 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4367% | 1,739 |
| Cost of funding earning assets | 0.2569% | 4,541 |
| Net interest margin | 4.1798% | 1,178 |
| Noninterest income to average assets | 0.8583% | 1,551 |
| Noninterest expense to average assets | 2.9265% | 2,555 |
| Loan and lease loss provision to assets | 0.0808% | 2,591 |
| Net operating income to assets | 1.6893% | 604 |
| Return on assets (ROA) | 1.6948% | 634 |
| Pretax return on assets | 1.6948% | 1,127 |
| Return on Equity (ROE) | 10.7748% | 1,756 |
| Retained earnings to average equity (ytd only) | 5.5957% | 2,435 |
| Net charge-offs to loans | 0.0047% | 3,752 |
| Credit loss provision to net charge-offs | 2,466.6667% | 206 |
| Earnings coverage of net charge-offs (x) | 540.3200% | 167 |
| Efficiency ratio | 62.3111% | 4,174 |
| Assets per employee ($millions) | 3.9081% | 4,113 |
| Cash dividends to net income (ytd only)* | 48.0670% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,738 |
| Loan loss allowance to noncurrent loans | 608.2949% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1791% | 4,726 |
| Noncurrent loans to loans | 0.2479% | 4,378 |
| Net loans and leases to total assets | 71.1680% | 2,323 |
| Net loans and leases to deposits | 89.1338% | 1,868 |
| Net loans and leases to core deposits | 90.4162% | 2,536 |
| Total domestic deposits to total assets | 79.8440% | 4,547 |
| Equity capital to assets | 16.2592% | 517 |
| Core capital (leverage) ratio | 15.8351% | 506 |
| Tier 1 risk-based capital ratio | 21.8232% | 1,158 |
| Total risk-based capital ratio | 23.0752% | 1,139 |
| Memoranda: | ||
| Average total assets | $122,097,500 | 3,981 |
| Average earning assets | $112,122,750 | 3,993 |
| Average equity | $19,204,750 | 3,267 |
| Average total loans | $85,764,250 | 3,688 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 1,811 |
| Cost of funding earning assets | 0.2551% | 4,604 |
| Net interest margin | 4.1513% | 1,220 |
| Noninterest income to average assets | 0.8725% | 1,462 |
| Noninterest expense to average assets | 2.9163% | 2,626 |
| Loan and lease loss provision to assets | 0.0817% | 2,504 |
| Net operating income to assets | 1.7024% | 576 |
| Return on assets (ROA) | 1.7073% | 602 |
| Pretax return on assets | 1.7073% | 1,072 |
| Return on Equity (ROE) | 10.9767% | 1,652 |
| Retained earnings to average equity (ytd only) | 5.6932% | 2,308 |
| Net charge-offs to loans | -0.0117% | 4,750 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0438% | 4,345 |
| Assets per employee ($millions) | 3.9517% | 3,994 |
| Cash dividends to net income (ytd only)* | 48.1340% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 1,876 |
| Loan loss allowance to noncurrent loans | 708.6957% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,914 |
| Noncurrent loans to loans | 0.2111% | 4,597 |
| Net loans and leases to total assets | 70.0756% | 2,467 |
| Net loans and leases to deposits | 87.7347% | 2,029 |
| Net loans and leases to core deposits | 88.9815% | 2,641 |
| Total domestic deposits to total assets | 79.8722% | 4,575 |
| Equity capital to assets | 15.8822% | 566 |
| Core capital (leverage) ratio | 15.4032% | 541 |
| Tier 1 risk-based capital ratio | 21.0389% | 1,264 |
| Total risk-based capital ratio | 22.2909% | 1,249 |
| Memoranda: | ||
| Average total assets | $122,413,330 | 4,001 |
| Average earning assets | $112,879,670 | 3,999 |
| Average equity | $19,040,330 | 3,295 |
| Average total loans | $85,172,330 | 3,714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 1,784 |
| Cost of funding earning assets | 0.2517% | 4,687 |
| Net interest margin | 4.1543% | 1,209 |
| Noninterest income to average assets | 0.8695% | 1,384 |
| Noninterest expense to average assets | 2.9092% | 2,676 |
| Loan and lease loss provision to assets | 0.0817% | 2,314 |
| Net operating income to assets | 1.7096% | 565 |
| Return on assets (ROA) | 1.7096% | 606 |
| Pretax return on assets | 1.7096% | 1,050 |
| Return on Equity (ROE) | 11.1085% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.7772% | 2,484 |
| Net charge-offs to loans | -0.0238% | 4,951 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8915% | 4,463 |
| Assets per employee ($millions) | 4.0246% | 3,905 |
| Cash dividends to net income (ytd only)* | 47.9924% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 1,976 |
| Loan loss allowance to noncurrent loans | 804.4025% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 4,963 |
| Noncurrent loans to loans | 0.1868% | 4,742 |
| Net loans and leases to total assets | 67.2096% | 2,779 |
| Net loans and leases to deposits | 81.7390% | 2,577 |
| Net loans and leases to core deposits | 82.8462% | 3,057 |
| Total domestic deposits to total assets | 82.2246% | 4,145 |
| Equity capital to assets | 15.2771% | 640 |
| Core capital (leverage) ratio | 15.3511% | 550 |
| Tier 1 risk-based capital ratio | 21.2972% | 1,261 |
| Total risk-based capital ratio | 22.5489% | 1,241 |
| Memoranda: | ||
| Average total assets | $122,369,000 | 4,036 |
| Average earning assets | $112,846,000 | 4,022 |
| Average equity | $18,832,500 | 3,324 |
| Average total loans | $84,184,500 | 3,751 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,189 |
| Cost of funding earning assets | 0.2529% | 4,751 |
| Net interest margin | 4.0586% | 1,534 |
| Noninterest income to average assets | 0.8902% | 1,468 |
| Noninterest expense to average assets | 2.9358% | 2,744 |
| Loan and lease loss provision to assets | 0.1173% | 2,028 |
| Net operating income to assets | 1.5881% | 724 |
| Return on assets (ROA) | 1.6231% | 690 |
| Pretax return on assets | 1.6231% | 1,184 |
| Return on Equity (ROE) | 10.2119% | 1,925 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | -0.0104% | 5,118 |
| Credit loss provision to net charge-offs | -1,762.5000% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2551% | 4,401 |
| Assets per employee ($millions) | 3.5287% | 4,779 |
| Cash dividends to net income (ytd only)* | 100.0000% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 2,005 |
| Loan loss allowance to noncurrent loans | 243.9453% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4268% | 3,901 |
| Noncurrent loans to loans | 0.6151% | 3,339 |
| Net loans and leases to total assets | 68.3378% | 2,650 |
| Net loans and leases to deposits | 87.2084% | 1,976 |
| Net loans and leases to core deposits | 88.4990% | 2,553 |
| Total domestic deposits to total assets | 78.3615% | 5,091 |
| Equity capital to assets | 15.5073% | 594 |
| Core capital (leverage) ratio | 15.6464% | 510 |
| Tier 1 risk-based capital ratio | 21.1034% | 1,275 |
| Total risk-based capital ratio | 22.3550% | 1,258 |
| Memoranda: | ||
| Average total assets | $120,204,400 | 4,060 |
| Average earning assets | $111,097,000 | 4,050 |
| Average equity | $19,105,200 | 3,253 |
| Average total loans | $76,601,600 | 3,922 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,403 |
| Cost of funding earning assets | 0.2555% | 4,816 |
| Net interest margin | 3.9943% | 1,722 |
| Noninterest income to average assets | 0.8947% | 1,469 |
| Noninterest expense to average assets | 2.8770% | 2,919 |
| Loan and lease loss provision to assets | 0.0965% | 2,244 |
| Net operating income to assets | 1.6131% | 749 |
| Return on assets (ROA) | 1.6597% | 697 |
| Pretax return on assets | 1.6597% | 1,213 |
| Return on Equity (ROE) | 10.3792% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.4566% | 2,601 |
| Net charge-offs to loans | -0.0178% | 5,164 |
| Credit loss provision to net charge-offs | -870.0000% | 5,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7266% | 4,453 |
| Assets per employee ($millions) | 3.8394% | 4,192 |
| Cash dividends to net income (ytd only)* | 47.4280% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 2,164 |
| Loan loss allowance to noncurrent loans | 170.5128% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 3,514 |
| Noncurrent loans to loans | 0.8795% | 2,782 |
| Net loans and leases to total assets | 66.0536% | 3,005 |
| Net loans and leases to deposits | 86.9830% | 2,029 |
| Net loans and leases to core deposits | 88.3218% | 2,632 |
| Total domestic deposits to total assets | 75.9385% | 5,492 |
| Equity capital to assets | 16.4628% | 497 |
| Core capital (leverage) ratio | 16.5632% | 420 |
| Tier 1 risk-based capital ratio | 22.7944% | 1,084 |
| Total risk-based capital ratio | 24.0459% | 1,064 |
| Memoranda: | ||
| Average total assets | $120,261,500 | 4,113 |
| Average earning assets | $111,156,250 | 4,100 |
| Average equity | $19,230,250 | 3,279 |
| Average total loans | $74,942,500 | 4,008 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 2,544 |
| Cost of funding earning assets | 0.2584% | 4,852 |
| Net interest margin | 3.9407% | 1,854 |
| Noninterest income to average assets | 0.9165% | 1,401 |
| Noninterest expense to average assets | 2.8307% | 3,127 |
| Loan and lease loss provision to assets | 0.0829% | 2,458 |
| Net operating income to assets | 1.6424% | 694 |
| Return on assets (ROA) | 1.6424% | 723 |
| Pretax return on assets | 1.6424% | 1,212 |
| Return on Equity (ROE) | 10.3721% | 1,906 |
| Retained earnings to average equity (ytd only) | 5.4529% | 2,565 |
| Net charge-offs to loans | -0.0055% | 4,762 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1317% | 4,659 |
| Assets per employee ($millions) | 3.7448% | 4,338 |
| Cash dividends to net income (ytd only)* | 47.4268% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 2,132 |
| Loan loss allowance to noncurrent loans | 207.5676% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 4,080 |
| Noncurrent loans to loans | 0.7402% | 3,259 |
| Net loans and leases to total assets | 61.6097% | 3,610 |
| Net loans and leases to deposits | 77.9669% | 3,032 |
| Net loans and leases to core deposits | 79.1217% | 3,475 |
| Total domestic deposits to total assets | 79.0203% | 5,092 |
| Equity capital to assets | 16.0087% | 529 |
| Core capital (leverage) ratio | 15.7237% | 510 |
| Tier 1 risk-based capital ratio | 23.1133% | 1,064 |
| Total risk-based capital ratio | 24.3651% | 1,048 |
| Memoranda: | ||
| Average total assets | $120,675,330 | 4,144 |
| Average earning assets | $111,452,670 | 4,125 |
| Average equity | $19,109,000 | 3,308 |
| Average total loans | $73,318,670 | 4,077 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,636 |
| Cost of funding earning assets | 0.2582% | 4,925 |
| Net interest margin | 3.8914% | 1,928 |
| Noninterest income to average assets | 0.9744% | 1,178 |
| Noninterest expense to average assets | 2.7813% | 3,311 |
| Loan and lease loss provision to assets | 0.0826% | 2,323 |
| Net operating income to assets | 1.6945% | 599 |
| Return on assets (ROA) | 1.6945% | 625 |
| Pretax return on assets | 1.6945% | 1,066 |
| Return on Equity (ROE) | 10.7595% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.6000% | 2,717 |
| Net charge-offs to loans | -0.0166% | 4,955 |
| Credit loss provision to net charge-offs | -833.3333% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0145% | 4,964 |
| Assets per employee ($millions) | 3.9817% | 4,005 |
| Cash dividends to net income (ytd only)* | 47.9532% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 2,145 |
| Loan loss allowance to noncurrent loans | 275.1220% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 4,658 |
| Noncurrent loans to loans | 0.5722% | 3,869 |
| Net loans and leases to total assets | 57.1395% | 4,071 |
| Net loans and leases to deposits | 68.9278% | 3,864 |
| Net loans and leases to core deposits | 69.8715% | 4,168 |
| Total domestic deposits to total assets | 82.8976% | 4,205 |
| Equity capital to assets | 15.6417% | 601 |
| Core capital (leverage) ratio | 15.5264% | 530 |
| Tier 1 risk-based capital ratio | 21.4808% | 1,331 |
| Total risk-based capital ratio | 22.7311% | 1,305 |
| Memoranda: | ||
| Average total assets | $121,095,500 | 4,166 |
| Average earning assets | $111,529,000 | 4,152 |
| Average equity | $19,071,500 | 3,331 |
| Average total loans | $72,487,000 | 4,117 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 2,392 |
| Cost of funding earning assets | 0.3222% | 4,560 |
| Net interest margin | 4.0315% | 1,800 |
| Noninterest income to average assets | 0.8645% | 1,629 |
| Noninterest expense to average assets | 2.9014% | 3,147 |
| Loan and lease loss provision to assets | 0.0834% | 2,810 |
| Net operating income to assets | 1.5716% | 752 |
| Return on assets (ROA) | 1.5948% | 746 |
| Pretax return on assets | 1.5948% | 1,252 |
| Return on Equity (ROE) | 9.5798% | 2,303 |
| Retained earnings to average equity (ytd only) | -4.5109% | 6,162 |
| Net charge-offs to loans | 0.1610% | 2,421 |
| Credit loss provision to net charge-offs | 85.0877% | 2,759 |
| Earnings coverage of net charge-offs (x) | 16.8772% | 1,975 |
| Efficiency ratio | 63.6776% | 4,634 |
| Assets per employee ($millions) | 3.5987% | 4,721 |
| Cash dividends to net income (ytd only)* | 147.0874% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 2,471 |
| Loan loss allowance to noncurrent loans | 277.7778% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 4,312 |
| Noncurrent loans to loans | 0.5401% | 4,039 |
| Net loans and leases to total assets | 60.8102% | 3,671 |
| Net loans and leases to deposits | 74.7503% | 3,343 |
| Net loans and leases to core deposits | 75.8327% | 3,729 |
| Total domestic deposits to total assets | 81.3512% | 4,636 |
| Equity capital to assets | 15.8608% | 556 |
| Core capital (leverage) ratio | 16.3575% | 432 |
| Tier 1 risk-based capital ratio | 23.2028% | 1,053 |
| Total risk-based capital ratio | 24.4546% | 1,032 |
| Memoranda: | ||
| Average total assets | $116,253,600 | 4,252 |
| Average earning assets | $106,462,800 | 4,257 |
| Average equity | $19,353,200 | 3,237 |
| Average total loans | $70,789,800 | 4,156 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 2,335 |
| Cost of funding earning assets | 0.3375% | 4,499 |
| Net interest margin | 4.0352% | 1,771 |
| Noninterest income to average assets | 0.8602% | 1,660 |
| Noninterest expense to average assets | 2.8977% | 3,129 |
| Loan and lease loss provision to assets | 0.1407% | 1,776 |
| Net operating income to assets | 1.5163% | 909 |
| Return on assets (ROA) | 1.5475% | 882 |
| Pretax return on assets | 1.5475% | 1,491 |
| Return on Equity (ROE) | 9.1841% | 2,590 |
| Retained earnings to average equity (ytd only) | 2.5184% | 4,790 |
| Net charge-offs to loans | 0.3212% | 1,243 |
| Credit loss provision to net charge-offs | 72.1893% | 2,727 |
| Earnings coverage of net charge-offs (x) | 8.5029% | 2,786 |
| Efficiency ratio | 63.6203% | 4,612 |
| Assets per employee ($millions) | 3.8033% | 4,285 |
| Cash dividends to net income (ytd only)* | 72.5779% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 2,707 |
| Loan loss allowance to noncurrent loans | 206.5637% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 3,936 |
| Noncurrent loans to loans | 0.7262% | 3,787 |
| Net loans and leases to total assets | 61.5795% | 3,551 |
| Net loans and leases to deposits | 76.1620% | 3,168 |
| Net loans and leases to core deposits | 77.1048% | 3,626 |
| Total domestic deposits to total assets | 80.8533% | 4,861 |
| Equity capital to assets | 17.4613% | 379 |
| Core capital (leverage) ratio | 17.5245% | 323 |
| Tier 1 risk-based capital ratio | 25.5234% | 831 |
| Total risk-based capital ratio | 26.7748% | 817 |
| Memoranda: | ||
| Average total assets | $115,627,500 | 4,304 |
| Average earning assets | $105,866,250 | 4,308 |
| Average equity | $19,482,500 | 3,228 |
| Average total loans | $70,158,000 | 4,216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3689% | 2,300 |
| Cost of funding earning assets | 0.3479% | 4,455 |
| Net interest margin | 4.0210% | 1,755 |
| Noninterest income to average assets | 0.8852% | 1,538 |
| Noninterest expense to average assets | 2.8690% | 3,275 |
| Loan and lease loss provision to assets | 0.0844% | 2,617 |
| Net operating income to assets | 1.6136% | 686 |
| Return on assets (ROA) | 1.6136% | 713 |
| Pretax return on assets | 1.6136% | 1,219 |
| Return on Equity (ROE) | 9.6919% | 2,284 |
| Retained earnings to average equity (ytd only) | 2.0997% | 4,848 |
| Net charge-offs to loans | 0.1806% | 1,953 |
| Credit loss provision to net charge-offs | 77.7778% | 2,360 |
| Earnings coverage of net charge-offs (x) | 15.6508% | 1,836 |
| Efficiency ratio | 62.8205% | 4,887 |
| Assets per employee ($millions) | 3.6101% | 4,633 |
| Cash dividends to net income (ytd only)* | 78.3351% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 2,534 |
| Loan loss allowance to noncurrent loans | 1,239.3258% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 5,138 |
| Noncurrent loans to loans | 0.1276% | 5,632 |
| Net loans and leases to total assets | 59.4216% | 3,799 |
| Net loans and leases to deposits | 73.1059% | 3,439 |
| Net loans and leases to core deposits | 74.0044% | 3,842 |
| Total domestic deposits to total assets | 81.2815% | 4,882 |
| Equity capital to assets | 17.1093% | 399 |
| Core capital (leverage) ratio | 17.1783% | 351 |
| Tier 1 risk-based capital ratio | 25.2146% | 849 |
| Total risk-based capital ratio | 26.4662% | 834 |
| Memoranda: | ||
| Average total assets | $116,137,330 | 4,326 |
| Average earning assets | $106,341,670 | 4,319 |
| Average equity | $19,335,670 | 3,234 |
| Average total loans | $69,767,000 | 4,244 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 2,513 |
| Cost of funding earning assets | 0.3554% | 4,487 |
| Net interest margin | 3.9467% | 1,940 |
| Noninterest income to average assets | 0.8588% | 1,524 |
| Noninterest expense to average assets | 2.8511% | 3,376 |
| Loan and lease loss provision to assets | 0.0859% | 2,474 |
| Net operating income to assets | 1.5458% | 742 |
| Return on assets (ROA) | 1.5458% | 773 |
| Pretax return on assets | 1.5458% | 1,301 |
| Return on Equity (ROE) | 9.4137% | 2,289 |
| Retained earnings to average equity (ytd only) | -5.9411% | 6,178 |
| Net charge-offs to loans | -0.0631% | 5,918 |
| Credit loss provision to net charge-offs | -227.2727% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6015% | 4,925 |
| Assets per employee ($millions) | 3.6858% | 4,549 |
| Cash dividends to net income (ytd only)* | 163.1111% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 2,457 |
| Loan loss allowance to noncurrent loans | 311.6216% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.3137% | 5,211 |
| Noncurrent loans to loans | 0.5341% | 4,574 |
| Net loans and leases to total assets | 57.7578% | 3,887 |
| Net loans and leases to deposits | 70.2306% | 3,571 |
| Net loans and leases to core deposits | 71.0651% | 3,978 |
| Total domestic deposits to total assets | 82.2402% | 4,877 |
| Equity capital to assets | 16.1930% | 501 |
| Core capital (leverage) ratio | 16.4822% | 422 |
| Tier 1 risk-based capital ratio | 24.6310% | 924 |
| Total risk-based capital ratio | 25.8833% | 905 |
| Memoranda: | ||
| Average total assets | $116,445,000 | 4,354 |
| Average earning assets | $106,925,000 | 4,341 |
| Average equity | $19,121,000 | 3,264 |
| Average total loans | $69,776,500 | 4,269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 2,610 |
| Cost of funding earning assets | 0.4067% | 4,571 |
| Net interest margin | 3.9877% | 1,985 |
| Noninterest income to average assets | 0.8081% | 2,047 |
| Noninterest expense to average assets | 2.8974% | 3,376 |
| Loan and lease loss provision to assets | 0.0794% | 3,519 |
| Net operating income to assets | 1.5000% | 826 |
| Return on assets (ROA) | 1.5136% | 834 |
| Pretax return on assets | 1.5136% | 1,399 |
| Return on Equity (ROE) | 9.1329% | 2,474 |
| Retained earnings to average equity (ytd only) | 2.8605% | 4,213 |
| Net charge-offs to loans | 0.0231% | 4,967 |
| Credit loss provision to net charge-offs | 581.2500% | 407 |
| Earnings coverage of net charge-offs (x) | 115.5625% | 411 |
| Efficiency ratio | 64.7205% | 4,784 |
| Assets per employee ($millions) | 3.3807% | 5,134 |
| Cash dividends to net income (ytd only)* | 68.6795% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 2,794 |
| Loan loss allowance to noncurrent loans | 324.7093% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 5,369 |
| Noncurrent loans to loans | 0.4895% | 4,771 |
| Net loans and leases to total assets | 60.1684% | 3,681 |
| Net loans and leases to deposits | 74.5628% | 3,184 |
| Net loans and leases to core deposits | 75.4882% | 3,664 |
| Total domestic deposits to total assets | 80.6949% | 5,267 |
| Equity capital to assets | 16.6542% | 431 |
| Core capital (leverage) ratio | 16.9770% | 373 |
| Tier 1 risk-based capital ratio | 24.9508% | 856 |
| Total risk-based capital ratio | 26.2035% | 841 |
| Memoranda: | ||
| Average total assets | $117,069,600 | 4,339 |
| Average earning assets | $107,706,000 | 4,319 |
| Average equity | $19,402,400 | 3,231 |
| Average total loans | $69,233,000 | 4,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 2,792 |
| Cost of funding earning assets | 0.4172% | 4,650 |
| Net interest margin | 3.9320% | 2,168 |
| Noninterest income to average assets | 0.8140% | 2,075 |
| Noninterest expense to average assets | 2.7981% | 3,671 |
| Loan and lease loss provision to assets | 0.1054% | 2,997 |
| Net operating income to assets | 1.5328% | 844 |
| Return on assets (ROA) | 1.5510% | 870 |
| Pretax return on assets | 1.5510% | 1,465 |
| Return on Equity (ROE) | 9.3693% | 2,454 |
| Retained earnings to average equity (ytd only) | 2.5409% | 4,797 |
| Net charge-offs to loans | 0.0271% | 4,584 |
| Credit loss provision to net charge-offs | 664.2857% | 436 |
| Earnings coverage of net charge-offs (x) | 103.1934% | 488 |
| Efficiency ratio | 63.0718% | 4,977 |
| Assets per employee ($millions) | 3.3013% | 5,282 |
| Cash dividends to net income (ytd only)* | 72.8803% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 2,889 |
| Loan loss allowance to noncurrent loans | 1,055.6604% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 6,164 |
| Noncurrent loans to loans | 0.1543% | 5,853 |
| Net loans and leases to total assets | 58.5000% | 3,921 |
| Net loans and leases to deposits | 73.9851% | 3,233 |
| Net loans and leases to core deposits | 74.9174% | 3,744 |
| Total domestic deposits to total assets | 79.0700% | 5,732 |
| Equity capital to assets | 16.5474% | 468 |
| Core capital (leverage) ratio | 16.7442% | 408 |
| Tier 1 risk-based capital ratio | 24.9234% | 876 |
| Total risk-based capital ratio | 26.1763% | 866 |
| Memoranda: | ||
| Average total assets | $117,601,000 | 4,367 |
| Average earning assets | $108,339,750 | 4,348 |
| Average equity | $19,467,250 | 3,249 |
| Average total loans | $68,972,000 | 4,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,690 |
| Cost of funding earning assets | 0.4308% | 4,651 |
| Net interest margin | 3.9376% | 2,084 |
| Noninterest income to average assets | 0.8184% | 2,114 |
| Noninterest expense to average assets | 2.7442% | 3,875 |
| Loan and lease loss provision to assets | 0.1522% | 2,422 |
| Net operating income to assets | 1.5539% | 810 |
| Return on assets (ROA) | 1.5539% | 882 |
| Pretax return on assets | 1.5539% | 1,473 |
| Return on Equity (ROE) | 9.3857% | 2,462 |
| Retained earnings to average equity (ytd only) | 1.4502% | 5,295 |
| Net charge-offs to loans | 0.0492% | 3,988 |
| Credit loss provision to net charge-offs | 529.4118% | 531 |
| Earnings coverage of net charge-offs (x) | 59.3529% | 708 |
| Efficiency ratio | 61.6641% | 5,220 |
| Assets per employee ($millions) | 3.3297% | 5,210 |
| Cash dividends to net income (ytd only)* | 84.5484% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 3,075 |
| Loan loss allowance to noncurrent loans | 772.9167% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 6,113 |
| Noncurrent loans to loans | 0.2100% | 5,779 |
| Net loans and leases to total assets | 57.8749% | 4,009 |
| Net loans and leases to deposits | 73.0384% | 3,296 |
| Net loans and leases to core deposits | 74.2386% | 3,774 |
| Total domestic deposits to total assets | 79.2391% | 5,767 |
| Equity capital to assets | 16.4783% | 472 |
| Core capital (leverage) ratio | 15.9975% | 466 |
| Tier 1 risk-based capital ratio | 24.9027% | 885 |
| Total risk-based capital ratio | 26.1552% | 867 |
| Memoranda: | ||
| Average total assets | $118,285,670 | 4,383 |
| Average earning assets | $109,101,000 | 4,359 |
| Average equity | $19,583,000 | 3,249 |
| Average total loans | $69,058,000 | 4,344 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 2,628 |
| Cost of funding earning assets | 0.4390% | 4,712 |
| Net interest margin | 3.9289% | 2,017 |
| Noninterest income to average assets | 0.8224% | 2,032 |
| Noninterest expense to average assets | 2.7191% | 3,985 |
| Loan and lease loss provision to assets | 0.1511% | 2,355 |
| Net operating income to assets | 1.5576% | 760 |
| Return on assets (ROA) | 1.5576% | 829 |
| Pretax return on assets | 1.5576% | 1,404 |
| Return on Equity (ROE) | 9.3868% | 2,323 |
| Retained earnings to average equity (ytd only) | -1.4768% | 6,022 |
| Net charge-offs to loans | -0.1154% | 6,505 |
| Credit loss provision to net charge-offs | -225.0000% | 5,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4102% | 5,388 |
| Assets per employee ($millions) | 3.5392% | 4,899 |
| Cash dividends to net income (ytd only)* | 115.7328% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 3,324 |
| Loan loss allowance to noncurrent loans | 462.3431% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 5,974 |
| Noncurrent loans to loans | 0.3500% | 5,518 |
| Net loans and leases to total assets | 55.8230% | 4,114 |
| Net loans and leases to deposits | 70.2304% | 3,440 |
| Net loans and leases to core deposits | 71.3441% | 3,907 |
| Total domestic deposits to total assets | 79.4854% | 5,877 |
| Equity capital to assets | 16.3620% | 510 |
| Core capital (leverage) ratio | 15.7369% | 485 |
| Tier 1 risk-based capital ratio | 24.6645% | 934 |
| Total risk-based capital ratio | 25.9165% | 920 |
| Memoranda: | ||
| Average total assets | $119,158,000 | 4,414 |
| Average earning assets | $109,343,500 | 4,389 |
| Average equity | $19,772,500 | 3,272 |
| Average total loans | $69,306,500 | 4,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6590% | 2,757 |
| Cost of funding earning assets | 0.6511% | 3,905 |
| Net interest margin | 4.0079% | 2,364 |
| Noninterest income to average assets | 0.7684% | 2,400 |
| Noninterest expense to average assets | 2.6898% | 4,434 |
| Loan and lease loss provision to assets | 0.1345% | 3,944 |
| Net operating income to assets | 1.6178% | 734 |
| Return on assets (ROA) | 1.6178% | 809 |
| Pretax return on assets | 1.6178% | 1,337 |
| Return on Equity (ROE) | 9.6812% | 2,326 |
| Retained earnings to average equity (ytd only) | 4.4174% | 3,121 |
| Net charge-offs to loans | 0.0992% | 4,675 |
| Credit loss provision to net charge-offs | 236.3636% | 1,050 |
| Earnings coverage of net charge-offs (x) | 30.7879% | 991 |
| Efficiency ratio | 60.5513% | 5,457 |
| Assets per employee ($millions) | 3.3709% | 5,282 |
| Cash dividends to net income (ytd only)* | 54.3710% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 3,836 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 5,887 |
| Noncurrent loans to loans | 0.4436% | 5,392 |
| Net loans and leases to total assets | 58.7327% | 3,848 |
| Net loans and leases to deposits | 74.5474% | 3,015 |
| Net loans and leases to core deposits | 75.7618% | 3,565 |
| Total domestic deposits to total assets | 78.7857% | 5,938 |
| Equity capital to assets | 16.8297% | 437 |
| Core capital (leverage) ratio | 16.4431% | 399 |
| Tier 1 risk-based capital ratio | 24.3625% | 931 |
| Total risk-based capital ratio | 25.6137% | 903 |
| Memoranda: | ||
| Average total assets | $115,957,000 | 4,439 |
| Average earning assets | $106,288,800 | 4,440 |
| Average equity | $19,377,800 | 3,277 |
| Average total loans | $66,559,800 | 4,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7049% | 2,793 |
| Cost of funding earning assets | 0.7013% | 3,763 |
| Net interest margin | 4.0036% | 2,490 |
| Noninterest income to average assets | 0.7795% | 2,335 |
| Noninterest expense to average assets | 2.6331% | 4,625 |
| Loan and lease loss provision to assets | 0.1086% | 4,215 |
| Net operating income to assets | 1.7104% | 669 |
| Return on assets (ROA) | 1.7104% | 743 |
| Pretax return on assets | 1.7104% | 1,240 |
| Return on Equity (ROE) | 10.2534% | 2,229 |
| Retained earnings to average equity (ytd only) | 4.8186% | 3,498 |
| Net charge-offs to loans | -0.0163% | 6,455 |
| Credit loss provision to net charge-offs | -1,175.0000% | 6,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1440% | 5,639 |
| Assets per employee ($millions) | 3.6713% | 4,606 |
| Cash dividends to net income (ytd only)* | 53.0046% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 3,744 |
| Loan loss allowance to noncurrent loans | 369.1228% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 6,061 |
| Noncurrent loans to loans | 0.4191% | 5,615 |
| Net loans and leases to total assets | 58.8319% | 3,989 |
| Net loans and leases to deposits | 75.7284% | 3,023 |
| Net loans and leases to core deposits | 77.0264% | 3,599 |
| Total domestic deposits to total assets | 77.6881% | 6,136 |
| Equity capital to assets | 17.4055% | 411 |
| Core capital (leverage) ratio | 16.5123% | 425 |
| Tier 1 risk-based capital ratio | 24.6027% | 942 |
| Total risk-based capital ratio | 25.8548% | 933 |
| Memoranda: | ||
| Average total assets | $115,450,750 | 4,494 |
| Average earning assets | $105,902,000 | 4,486 |
| Average equity | $19,258,250 | 3,326 |
| Average total loans | $65,616,250 | 4,568 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 2,777 |
| Cost of funding earning assets | 0.7558% | 3,560 |
| Net interest margin | 3.9786% | 2,597 |
| Noninterest income to average assets | 0.7862% | 2,253 |
| Noninterest expense to average assets | 2.5845% | 4,829 |
| Loan and lease loss provision to assets | 0.1552% | 3,578 |
| Net operating income to assets | 1.6862% | 694 |
| Return on assets (ROA) | 1.6862% | 778 |
| Pretax return on assets | 1.6862% | 1,301 |
| Return on Equity (ROE) | 10.2544% | 2,259 |
| Retained earnings to average equity (ytd only) | 4.3828% | 3,703 |
| Net charge-offs to loans | -0.0926% | 6,843 |
| Credit loss provision to net charge-offs | -300.0000% | 6,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3950% | 5,814 |
| Assets per employee ($millions) | 3.6777% | 4,569 |
| Cash dividends to net income (ytd only)* | 57.2597% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 3,563 |
| Loan loss allowance to noncurrent loans | 326.2195% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 6,040 |
| Noncurrent loans to loans | 0.4941% | 5,545 |
| Net loans and leases to total assets | 57.2932% | 4,282 |
| Net loans and leases to deposits | 73.8956% | 3,309 |
| Net loans and leases to core deposits | 75.1591% | 3,863 |
| Total domestic deposits to total assets | 77.5327% | 6,242 |
| Equity capital to assets | 17.0538% | 438 |
| Core capital (leverage) ratio | 15.9784% | 462 |
| Tier 1 risk-based capital ratio | 24.4135% | 967 |
| Total risk-based capital ratio | 25.6655% | 947 |
| Memoranda: | ||
| Average total assets | $115,998,000 | 4,506 |
| Average earning assets | $106,118,670 | 4,505 |
| Average equity | $19,074,670 | 3,344 |
| Average total loans | $64,819,000 | 4,613 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 3,367 |
| Cost of funding earning assets | 0.7851% | 3,585 |
| Net interest margin | 3.8429% | 3,170 |
| Noninterest income to average assets | 0.7659% | 2,318 |
| Noninterest expense to average assets | 2.6087% | 4,784 |
| Loan and lease loss provision to assets | 0.1539% | 3,452 |
| Net operating income to assets | 1.5010% | 1,016 |
| Return on assets (ROA) | 1.5010% | 1,137 |
| Pretax return on assets | 1.5010% | 1,865 |
| Return on Equity (ROE) | 9.2957% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.2233% | 5,152 |
| Net charge-offs to loans | 0.1249% | 3,359 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,065 |
| Efficiency ratio | 61.1868% | 5,425 |
| Assets per employee ($millions) | 3.7972% | 4,427 |
| Cash dividends to net income (ytd only)* | 76.0820% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 4,039 |
| Loan loss allowance to noncurrent loans | 453.4884% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,412 |
| Noncurrent loans to loans | 0.3365% | 5,998 |
| Net loans and leases to total assets | 53.4584% | 4,811 |
| Net loans and leases to deposits | 67.1988% | 4,191 |
| Net loans and leases to core deposits | 68.4800% | 4,631 |
| Total domestic deposits to total assets | 79.5526% | 5,963 |
| Equity capital to assets | 16.0315% | 572 |
| Core capital (leverage) ratio | 15.4730% | 533 |
| Tier 1 risk-based capital ratio | 25.2217% | 884 |
| Total risk-based capital ratio | 26.4723% | 865 |
| Memoranda: | ||
| Average total assets | $116,992,000 | 4,515 |
| Average earning assets | $106,483,000 | 4,532 |
| Average equity | $18,890,500 | 3,368 |
| Average total loans | $64,033,500 | 4,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 3,973 |
| Cost of funding earning assets | 0.8694% | 4,326 |
| Net interest margin | 3.8927% | 3,365 |
| Noninterest income to average assets | 0.8299% | 1,926 |
| Noninterest expense to average assets | 2.6977% | 4,753 |
| Loan and lease loss provision to assets | 0.1435% | 4,816 |
| Net operating income to assets | 1.5718% | 715 |
| Return on assets (ROA) | 1.5718% | 767 |
| Pretax return on assets | 1.5718% | 1,272 |
| Return on Equity (ROE) | 9.4477% | 2,267 |
| Retained earnings to average equity (ytd only) | 2.3943% | 4,517 |
| Net charge-offs to loans | 0.1823% | 4,694 |
| Credit loss provision to net charge-offs | 145.4545% | 1,974 |
| Earnings coverage of net charge-offs (x) | 17.3818% | 1,274 |
| Efficiency ratio | 61.1303% | 5,589 |
| Assets per employee ($millions) | 3.8757% | 4,148 |
| Cash dividends to net income (ytd only)* | 74.6575% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,109 |
| Loan loss allowance to noncurrent loans | 202.9915% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 5,874 |
| Noncurrent loans to loans | 0.7294% | 5,240 |
| Net loans and leases to total assets | 54.3682% | 4,984 |
| Net loans and leases to deposits | 68.7187% | 4,326 |
| Net loans and leases to core deposits | 70.0894% | 4,767 |
| Total domestic deposits to total assets | 79.1171% | 5,969 |
| Equity capital to assets | 16.2636% | 546 |
| Core capital (leverage) ratio | 15.8299% | 480 |
| Tier 1 risk-based capital ratio | 25.7867% | 794 |
| Total risk-based capital ratio | 27.0385% | 784 |
| Memoranda: | ||
| Average total assets | $111,463,400 | 4,606 |
| Average earning assets | $102,602,000 | 4,575 |
| Average equity | $18,544,200 | 3,353 |
| Average total loans | $60,342,400 | 4,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8170% | 3,953 |
| Cost of funding earning assets | 0.8843% | 4,513 |
| Net interest margin | 3.9327% | 3,221 |
| Noninterest income to average assets | 0.8307% | 1,925 |
| Noninterest expense to average assets | 2.6240% | 4,992 |
| Loan and lease loss provision to assets | 0.1632% | 4,428 |
| Net operating income to assets | 1.6736% | 672 |
| Return on assets (ROA) | 1.6736% | 736 |
| Pretax return on assets | 1.6736% | 1,197 |
| Return on Equity (ROE) | 10.0001% | 2,198 |
| Retained earnings to average equity (ytd only) | 4.3786% | 3,610 |
| Net charge-offs to loans | 0.0651% | 5,310 |
| Credit loss provision to net charge-offs | 465.5172% | 596 |
| Earnings coverage of net charge-offs (x) | 52.3734% | 625 |
| Efficiency ratio | 58.8235% | 5,892 |
| Assets per employee ($millions) | 3.8047% | 4,297 |
| Cash dividends to net income (ytd only)* | 56.2139% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6226% | 3,560 |
| Loan loss allowance to noncurrent loans | 291.8841% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 6,228 |
| Noncurrent loans to loans | 0.5559% | 5,753 |
| Net loans and leases to total assets | 53.4878% | 5,245 |
| Net loans and leases to deposits | 68.1201% | 4,584 |
| Net loans and leases to core deposits | 69.5179% | 5,005 |
| Total domestic deposits to total assets | 78.5197% | 6,091 |
| Equity capital to assets | 16.7975% | 506 |
| Core capital (leverage) ratio | 16.4133% | 455 |
| Tier 1 risk-based capital ratio | 27.5062% | 697 |
| Total risk-based capital ratio | 28.7590% | 681 |
| Memoranda: | ||
| Average total assets | $110,261,250 | 4,669 |
| Average earning assets | $101,775,750 | 4,623 |
| Average equity | $18,452,750 | 3,363 |
| Average total loans | $59,386,750 | 4,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 3,925 |
| Cost of funding earning assets | 0.8975% | 4,690 |
| Net interest margin | 3.9394% | 3,126 |
| Noninterest income to average assets | 0.9030% | 1,636 |
| Noninterest expense to average assets | 2.6558% | 4,982 |
| Loan and lease loss provision to assets | 0.1652% | 4,281 |
| Net operating income to assets | 1.7234% | 574 |
| Return on assets (ROA) | 1.7234% | 617 |
| Pretax return on assets | 1.7234% | 1,006 |
| Return on Equity (ROE) | 10.3115% | 2,010 |
| Retained earnings to average equity (ytd only) | 4.1290% | 3,568 |
| Net charge-offs to loans | 0.0615% | 5,035 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 556 |
| Efficiency ratio | 58.4410% | 6,104 |
| Assets per employee ($millions) | 3.7307% | 4,353 |
| Cash dividends to net income (ytd only)* | 59.9574% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,550 |
| Loan loss allowance to noncurrent loans | 1,833.9623% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,979 |
| Noncurrent loans to loans | 0.0892% | 6,760 |
| Net loans and leases to total assets | 52.1935% | 5,545 |
| Net loans and leases to deposits | 66.4286% | 4,933 |
| Net loans and leases to core deposits | 67.4347% | 5,349 |
| Total domestic deposits to total assets | 78.5708% | 6,173 |
| Equity capital to assets | 16.7152% | 516 |
| Core capital (leverage) ratio | 16.2609% | 476 |
| Tier 1 risk-based capital ratio | 28.1554% | 650 |
| Total risk-based capital ratio | 29.4089% | 637 |
| Memoranda: | ||
| Average total assets | $108,967,670 | 4,730 |
| Average earning assets | $100,726,000 | 4,691 |
| Average equity | $18,212,670 | 3,387 |
| Average total loans | $58,496,000 | 5,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 3,565 |
| Cost of funding earning assets | 0.9230% | 4,759 |
| Net interest margin | 3.9821% | 2,762 |
| Noninterest income to average assets | 0.9303% | 1,545 |
| Noninterest expense to average assets | 2.7314% | 4,715 |
| Loan and lease loss provision to assets | 0.1675% | 3,950 |
| Net operating income to assets | 1.6597% | 608 |
| Return on assets (ROA) | 1.6597% | 642 |
| Pretax return on assets | 1.6597% | 1,060 |
| Return on Equity (ROE) | 9.9304% | 2,123 |
| Retained earnings to average equity (ytd only) | 2.1375% | 4,858 |
| Net charge-offs to loans | 0.0345% | 4,614 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 98.2000% | 324 |
| Efficiency ratio | 59.9184% | 5,995 |
| Assets per employee ($millions) | 3.7008% | 4,537 |
| Cash dividends to net income (ytd only)* | 78.4753% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,684 |
| Loan loss allowance to noncurrent loans | 878.5047% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 6,911 |
| Noncurrent loans to loans | 0.1835% | 6,604 |
| Net loans and leases to total assets | 53.4605% | 5,387 |
| Net loans and leases to deposits | 68.2991% | 4,631 |
| Net loans and leases to core deposits | 68.8275% | 5,190 |
| Total domestic deposits to total assets | 78.2742% | 6,339 |
| Equity capital to assets | 16.7577% | 469 |
| Core capital (leverage) ratio | 16.7897% | 411 |
| Tier 1 risk-based capital ratio | 28.3380% | 612 |
| Total risk-based capital ratio | 29.5908% | 603 |
| Memoranda: | ||
| Average total assets | $107,490,500 | 4,804 |
| Average earning assets | $97,939,500 | 4,790 |
| Average equity | $17,965,000 | 3,399 |
| Average total loans | $58,050,000 | 5,087 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 4,757 |
| Cost of funding earning assets | 1.0926% | 5,170 |
| Net interest margin | 3.8639% | 3,669 |
| Noninterest income to average assets | 0.7502% | 2,542 |
| Noninterest expense to average assets | 2.6572% | 5,188 |
| Loan and lease loss provision to assets | 0.1396% | 5,790 |
| Net operating income to assets | 1.5973% | 620 |
| Return on assets (ROA) | 1.5973% | 674 |
| Pretax return on assets | 1.5973% | 1,136 |
| Return on Equity (ROE) | 9.4111% | 2,140 |
| Retained earnings to average equity (ytd only) | 4.0957% | 2,992 |
| Net charge-offs to loans | 0.2663% | 4,700 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 12.4422% | 1,503 |
| Efficiency ratio | 60.4711% | 5,975 |
| Assets per employee ($millions) | 3.8449% | 4,141 |
| Cash dividends to net income (ytd only)* | 56.4804% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,745 |
| Loan loss allowance to noncurrent loans | 825.6881% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 6,957 |
| Noncurrent loans to loans | 0.1886% | 6,694 |
| Net loans and leases to total assets | 52.8382% | 5,808 |
| Net loans and leases to deposits | 67.5197% | 5,162 |
| Net loans and leases to core deposits | 68.3423% | 5,631 |
| Total domestic deposits to total assets | 78.2559% | 6,265 |
| Equity capital to assets | 16.6687% | 496 |
| Core capital (leverage) ratio | 16.6620% | 427 |
| Tier 1 risk-based capital ratio | 28.3109% | 584 |
| Total risk-based capital ratio | 29.5629% | 571 |
| Memoranda: | ||
| Average total assets | $105,300,000 | 4,844 |
| Average earning assets | $99,302,600 | 4,742 |
| Average equity | $17,872,600 | 3,447 |
| Average total loans | $55,203,200 | 5,267 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 5,025 |
| Cost of funding earning assets | 1.1191% | 5,322 |
| Net interest margin | 3.8338% | 3,824 |
| Noninterest income to average assets | 0.7334% | 2,617 |
| Noninterest expense to average assets | 2.6205% | 5,244 |
| Loan and lease loss provision to assets | 0.1719% | 5,323 |
| Net operating income to assets | 1.5878% | 764 |
| Return on assets (ROA) | 1.5878% | 833 |
| Pretax return on assets | 1.5878% | 1,375 |
| Return on Equity (ROE) | 9.3121% | 2,385 |
| Retained earnings to average equity (ytd only) | 5.9143% | 2,409 |
| Net charge-offs to loans | 0.1051% | 5,492 |
| Credit loss provision to net charge-offs | 313.9535% | 1,004 |
| Earnings coverage of net charge-offs (x) | 32.1406% | 836 |
| Efficiency ratio | 59.8256% | 5,980 |
| Assets per employee ($millions) | 3.7724% | 4,337 |
| Cash dividends to net income (ytd only)* | 36.4874% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,957 |
| Loan loss allowance to noncurrent loans | 598.1928% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 6,941 |
| Noncurrent loans to loans | 0.2934% | 6,600 |
| Net loans and leases to total assets | 52.6234% | 6,026 |
| Net loans and leases to deposits | 68.0064% | 5,420 |
| Net loans and leases to core deposits | 68.8606% | 5,857 |
| Total domestic deposits to total assets | 77.3801% | 6,396 |
| Equity capital to assets | 17.4423% | 472 |
| Core capital (leverage) ratio | 16.9666% | 434 |
| Tier 1 risk-based capital ratio | 29.3747% | 549 |
| Total risk-based capital ratio | 30.6296% | 536 |
| Memoranda: | ||
| Average total assets | $104,710,750 | 4,914 |
| Average earning assets | $99,603,250 | 4,794 |
| Average equity | $17,854,500 | 3,492 |
| Average total loans | $54,558,000 | 5,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 5,204 |
| Cost of funding earning assets | 1.1555% | 5,367 |
| Net interest margin | 3.7887% | 3,944 |
| Noninterest income to average assets | 0.7567% | 2,347 |
| Noninterest expense to average assets | 2.6206% | 5,245 |
| Loan and lease loss provision to assets | 0.1724% | 5,138 |
| Net operating income to assets | 1.5689% | 785 |
| Return on assets (ROA) | 1.5689% | 838 |
| Pretax return on assets | 1.5689% | 1,384 |
| Return on Equity (ROE) | 9.2727% | 2,358 |
| Retained earnings to average equity (ytd only) | 4.1212% | 3,449 |
| Net charge-offs to loans | 0.1039% | 5,107 |
| Credit loss provision to net charge-offs | 321.4286% | 1,139 |
| Earnings coverage of net charge-offs (x) | 32.4643% | 867 |
| Efficiency ratio | 60.0791% | 6,034 |
| Assets per employee ($millions) | 3.5913% | 4,717 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7454% | 2,916 |
| Loan loss allowance to noncurrent loans | 363.0189% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 6,628 |
| Noncurrent loans to loans | 0.4808% | 6,287 |
| Net loans and leases to total assets | 51.9986% | 6,208 |
| Net loans and leases to deposits | 67.0908% | 5,673 |
| Net loans and leases to core deposits | 67.9383% | 6,060 |
| Total domestic deposits to total assets | 77.5049% | 6,392 |
| Equity capital to assets | 17.2717% | 493 |
| Core capital (leverage) ratio | 16.4637% | 505 |
| Tier 1 risk-based capital ratio | 29.4676% | 542 |
| Total risk-based capital ratio | 30.7220% | 520 |
| Memoranda: | ||
| Average total assets | $104,405,000 | 4,956 |
| Average earning assets | $99,349,330 | 4,831 |
| Average equity | $17,664,670 | 3,519 |
| Average total loans | $53,884,670 | 5,430 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 5,437 |
| Cost of funding earning assets | 1.1563% | 5,624 |
| Net interest margin | 3.7510% | 4,002 |
| Noninterest income to average assets | 0.7615% | 2,221 |
| Noninterest expense to average assets | 2.5944% | 5,380 |
| Loan and lease loss provision to assets | 0.1722% | 4,802 |
| Net operating income to assets | 1.5574% | 809 |
| Return on assets (ROA) | 1.5574% | 870 |
| Pretax return on assets | 1.5574% | 1,372 |
| Return on Equity (ROE) | 9.3013% | 2,376 |
| Retained earnings to average equity (ytd only) | 5.5076% | 2,862 |
| Net charge-offs to loans | 0.0375% | 5,050 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 90.4000% | 360 |
| Efficiency ratio | 60.0000% | 6,174 |
| Assets per employee ($millions) | 3.9180% | 4,056 |
| Cash dividends to net income (ytd only)* | 40.7862% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 2,720 |
| Loan loss allowance to noncurrent loans | 380.5668% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 6,831 |
| Noncurrent loans to loans | 0.4738% | 6,348 |
| Net loans and leases to total assets | 48.3972% | 6,630 |
| Net loans and leases to deposits | 61.1987% | 6,351 |
| Net loans and leases to core deposits | 62.1330% | 6,594 |
| Total domestic deposits to total assets | 79.0821% | 6,059 |
| Equity capital to assets | 16.7273% | 562 |
| Core capital (leverage) ratio | 16.4231% | 518 |
| Tier 1 risk-based capital ratio | 29.4661% | 554 |
| Total risk-based capital ratio | 30.7207% | 537 |
| Memoranda: | ||
| Average total assets | $104,534,000 | 5,021 |
| Average earning assets | $99,281,500 | 4,898 |
| Average equity | $17,503,000 | 3,568 |
| Average total loans | $53,268,500 | 5,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 5,044 |
| Cost of funding earning assets | 1.3412% | 6,172 |
| Net interest margin | 3.9861% | 2,912 |
| Noninterest income to average assets | 0.8068% | 2,374 |
| Noninterest expense to average assets | 2.8041% | 4,962 |
| Loan and lease loss provision to assets | 0.2415% | 5,449 |
| Net operating income to assets | 1.5873% | 566 |
| Return on assets (ROA) | 1.5873% | 602 |
| Pretax return on assets | 1.5558% | 1,066 |
| Return on Equity (ROE) | 9.1233% | 1,984 |
| Retained earnings to average equity (ytd only) | 2.7300% | 3,244 |
| Net charge-offs to loans | 0.1745% | 5,556 |
| Credit loss provision to net charge-offs | 270.4545% | 1,282 |
| Earnings coverage of net charge-offs (x) | 20.1250% | 1,055 |
| Efficiency ratio | 60.9396% | 6,344 |
| Assets per employee ($millions) | 3.6887% | 4,542 |
| Cash dividends to net income (ytd only)* | 70.0767% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 3,070 |
| Loan loss allowance to noncurrent loans | 511.3636% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 6,989 |
| Noncurrent loans to loans | 0.3235% | 6,633 |
| Net loans and leases to total assets | 51.7994% | 6,445 |
| Net loans and leases to deposits | 65.6708% | 6,089 |
| Net loans and leases to core deposits | 72.2934% | 6,639 |
| Total domestic deposits to total assets | 78.8775% | 6,011 |
| Equity capital to assets | 16.7607% | 583 |
| Core capital (leverage) ratio | 16.7379% | 519 |
| Tier 1 risk-based capital ratio | 28.2049% | 626 |
| Total risk-based capital ratio | 29.4579% | 608 |
| Memoranda: | ||
| Average total assets | $98,534,600 | 5,126 |
| Average earning assets | $93,799,800 | 5,015 |
| Average equity | $17,143,000 | 3,646 |
| Average total loans | $50,416,800 | 5,646 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3798% | 5,042 |
| Cost of funding earning assets | 1.3917% | 6,262 |
| Net interest margin | 3.9881% | 2,865 |
| Noninterest income to average assets | 0.8314% | 2,283 |
| Noninterest expense to average assets | 2.8680% | 4,576 |
| Loan and lease loss provision to assets | 0.2465% | 4,979 |
| Net operating income to assets | 1.5586% | 724 |
| Return on assets (ROA) | 1.5586% | 776 |
| Pretax return on assets | 1.5162% | 1,363 |
| Return on Equity (ROE) | 8.8726% | 2,314 |
| Retained earnings to average equity (ytd only) | 2.4403% | 3,961 |
| Net charge-offs to loans | 0.1106% | 5,572 |
| Credit loss provision to net charge-offs | 439.0244% | 902 |
| Earnings coverage of net charge-offs (x) | 31.3876% | 900 |
| Efficiency ratio | 61.9343% | 6,120 |
| Assets per employee ($millions) | 3.6041% | 4,674 |
| Cash dividends to net income (ytd only)* | 72.4952% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 2,545 |
| Loan loss allowance to noncurrent loans | 555.6250% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 7,110 |
| Noncurrent loans to loans | 0.3096% | 6,747 |
| Net loans and leases to total assets | 50.3245% | 6,755 |
| Net loans and leases to deposits | 64.3949% | 6,461 |
| Net loans and leases to core deposits | 71.2652% | 6,891 |
| Total domestic deposits to total assets | 78.1499% | 6,038 |
| Equity capital to assets | 17.2234% | 600 |
| Core capital (leverage) ratio | 16.8993% | 563 |
| Tier 1 risk-based capital ratio | 29.6394% | 591 |
| Total risk-based capital ratio | 30.8925% | 578 |
| Memoranda: | ||
| Average total assets | $97,347,500 | 5,199 |
| Average earning assets | $92,739,750 | 5,081 |
| Average equity | $17,101,000 | 3,680 |
| Average total loans | $49,421,000 | 5,746 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 5,351 |
| Cost of funding earning assets | 1.4253% | 6,398 |
| Net interest margin | 3.9354% | 2,953 |
| Noninterest income to average assets | 0.8361% | 2,240 |
| Noninterest expense to average assets | 2.9722% | 4,197 |
| Loan and lease loss provision to assets | 0.2496% | 4,576 |
| Net operating income to assets | 1.4289% | 961 |
| Return on assets (ROA) | 1.4289% | 1,025 |
| Pretax return on assets | 1.3644% | 1,818 |
| Return on Equity (ROE) | 8.0787% | 2,738 |
| Retained earnings to average equity (ytd only) | 1.0231% | 4,761 |
| Net charge-offs to loans | 0.1562% | 4,633 |
| Credit loss provision to net charge-offs | 315.7895% | 1,474 |
| Earnings coverage of net charge-offs (x) | 20.4211% | 1,314 |
| Efficiency ratio | 64.8073% | 5,756 |
| Assets per employee ($millions) | 3.5265% | 4,750 |
| Cash dividends to net income (ytd only)* | 87.3362% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 2,515 |
| Loan loss allowance to noncurrent loans | 475.4286% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,894 |
| Noncurrent loans to loans | 0.3476% | 6,645 |
| Net loans and leases to total assets | 50.1443% | 6,860 |
| Net loans and leases to deposits | 64.2334% | 6,540 |
| Net loans and leases to core deposits | 70.8543% | 6,978 |
| Total domestic deposits to total assets | 78.0658% | 6,057 |
| Equity capital to assets | 17.1955% | 635 |
| Core capital (leverage) ratio | 16.9052% | 625 |
| Tier 1 risk-based capital ratio | 29.0751% | 661 |
| Total risk-based capital ratio | 30.2578% | 648 |
| Memoranda: | ||
| Average total assets | $96,158,330 | 5,277 |
| Average earning assets | $91,629,330 | 5,138 |
| Average equity | $17,007,670 | 3,710 |
| Average total loans | $48,670,000 | 5,821 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3412% | 5,700 |
| Cost of funding earning assets | 1.4945% | 6,419 |
| Net interest margin | 3.8467% | 3,259 |
| Noninterest income to average assets | 0.8349% | 2,155 |
| Noninterest expense to average assets | 3.1244% | 3,286 |
| Loan and lease loss provision to assets | 0.2530% | 3,946 |
| Net operating income to assets | 1.2565% | 1,489 |
| Return on assets (ROA) | 1.2565% | 1,590 |
| Pretax return on assets | 1.1258% | 2,888 |
| Return on Equity (ROE) | 7.0027% | 3,594 |
| Retained earnings to average equity (ytd only) | -0.0470% | 5,660 |
| Net charge-offs to loans | 0.3094% | 2,870 |
| Credit loss provision to net charge-offs | 162.1622% | 2,621 |
| Earnings coverage of net charge-offs (x) | 8.8378% | 2,139 |
| Efficiency ratio | 69.3820% | 4,701 |
| Assets per employee ($millions) | 3.3893% | 5,097 |
| Cash dividends to net income (ytd only)* | 100.6711% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 2,429 |
| Loan loss allowance to noncurrent loans | 249.8382% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 6,476 |
| Noncurrent loans to loans | 0.6495% | 5,783 |
| Net loans and leases to total assets | 49.3166% | 6,920 |
| Net loans and leases to deposits | 60.5775% | 6,847 |
| Net loans and leases to core deposits | 67.1608% | 7,182 |
| Total domestic deposits to total assets | 81.4108% | 4,787 |
| Equity capital to assets | 17.9475% | 608 |
| Core capital (leverage) ratio | 17.6138% | 594 |
| Tier 1 risk-based capital ratio | 31.9863% | 532 |
| Total risk-based capital ratio | 33.2402% | 518 |
| Memoranda: | ||
| Average total assets | $94,867,000 | 5,337 |
| Average earning assets | $90,466,000 | 5,205 |
| Average equity | $17,022,000 | 3,732 |
| Average total loans | $47,832,500 | 5,879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0339% | 5,396 |
| Cost of funding earning assets | 1.8245% | 6,943 |
| Net interest margin | 4.2095% | 2,277 |
| Noninterest income to average assets | 1.0110% | 1,543 |
| Noninterest expense to average assets | 3.1117% | 3,650 |
| Loan and lease loss provision to assets | 0.1346% | 5,634 |
| Net operating income to assets | 1.2451% | 1,640 |
| Return on assets (ROA) | 1.2451% | 1,583 |
| Pretax return on assets | 1.7583% | 1,031 |
| Return on Equity (ROE) | 6.5736% | 3,721 |
| Retained earnings to average equity (ytd only) | -2.6687% | 6,032 |
| Net charge-offs to loans | 0.2660% | 3,627 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 14.0650% | 2,079 |
| Efficiency ratio | 62.1775% | 5,922 |
| Assets per employee ($millions) | 3.1612% | 5,589 |
| Cash dividends to net income (ytd only)* | 140.5975% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 2,404 |
| Loan loss allowance to noncurrent loans | 246.7105% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,227 |
| Noncurrent loans to loans | 0.6321% | 5,480 |
| Net loans and leases to total assets | 49.9204% | 7,040 |
| Net loans and leases to deposits | 62.2544% | 6,925 |
| Net loans and leases to core deposits | 70.3071% | 7,171 |
| Total domestic deposits to total assets | 80.1877% | 4,948 |
| Equity capital to assets | 17.9385% | 655 |
| Core capital (leverage) ratio | 18.1808% | 587 |
| Tier 1 risk-based capital ratio | 31.7341% | 560 |
| Total risk-based capital ratio | 32.9854% | 551 |
| Memoranda: | ||
| Average total assets | $91,397,200 | 5,306 |
| Average earning assets | $86,709,400 | 5,195 |
| Average equity | $17,311,800 | 3,682 |
| Average total loans | $46,248,000 | 5,865 |