Home > Farmers Savings Bank > Performance and Condition Ratios
Farmers Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 4,102 |
| Cost of funding earning assets | 1.3012% | 2,508 |
| Net interest margin | 2.5780% | 3,994 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.4826% | 2,348 |
| Loan and lease loss provision to assets | -0.2000% | 4,559 |
| Net operating income to assets | 0.3837% | 3,904 |
| Return on assets (ROA) | 0.3837% | 3,896 |
| Pretax return on assets | 0.3964% | 3,971 |
| Return on Equity (ROE) | 3.8100% | 3,915 |
| Retained earnings to average equity (ytd only) | -1.5695% | 4,236 |
| Net charge-offs to loans | 0.1695% | 623 |
| Credit loss provision to net charge-offs | -225.0000% | 4,506 |
| Earnings coverage of net charge-offs (x) | 2.0917% | 2,723 |
| Efficiency ratio | 92.5937% | 345 |
| Assets per employee ($millions) | 5.6650% | 3,105 |
| Cash dividends to net income (ytd only)* | 141.2371% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 771 |
| Loan loss allowance to noncurrent loans | 151.6927% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6403% | 848 |
| Noncurrent loans to loans | 1.0844% | 675 |
| Net loans and leases to total assets | 55.8900% | 3,204 |
| Net loans and leases to deposits | 70.7070% | 2,838 |
| Net loans and leases to core deposits | 77.9362% | 2,841 |
| Total domestic deposits to total assets | 79.0500% | 3,605 |
| Equity capital to assets | 10.9210% | 1,513 |
| Core capital (leverage) ratio | 15.4076% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,399,200 | 3,583 |
| Average earning assets | $115,050,200 | 3,593 |
| Average equity | $12,743,000 | 3,461 |
| Average total loans | $70,790,400 | 3,535 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,123 |
| Cost of funding earning assets | 1.1360% | 2,640 |
| Net interest margin | 2.6592% | 3,938 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.5795% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.2050% | 4,223 |
| Return on assets (ROA) | 0.2050% | 4,240 |
| Pretax return on assets | 0.2218% | 4,231 |
| Return on Equity (ROE) | 2.0800% | 4,187 |
| Retained earnings to average equity (ytd only) | -0.1597% | 4,171 |
| Net charge-offs to loans | 0.1846% | 475 |
| Credit loss provision to net charge-offs | -20.4082% | 4,483 |
| Earnings coverage of net charge-offs (x) | 2.1531% | 2,496 |
| Efficiency ratio | 92.0826% | 316 |
| Assets per employee ($millions) | 5.7263% | 2,990 |
| Cash dividends to net income (ytd only)* | 107.6923% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 396 |
| Loan loss allowance to noncurrent loans | 178.0669% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 854 |
| Noncurrent loans to loans | 1.1153% | 703 |
| Net loans and leases to total assets | 56.3000% | 3,176 |
| Net loans and leases to deposits | 69.1251% | 2,904 |
| Net loans and leases to core deposits | 76.1445% | 2,854 |
| Total domestic deposits to total assets | 81.4400% | 3,322 |
| Equity capital to assets | 8.6443% | 2,633 |
| Core capital (leverage) ratio | 15.4697% | 559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $126,841,250 | 3,597 |
| Average earning assets | $115,372,250 | 3,604 |
| Average equity | $12,526,000 | 3,472 |
| Average total loans | $70,782,500 | 3,544 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 4,142 |
| Cost of funding earning assets | 0.9583% | 2,739 |
| Net interest margin | 2.7408% | 3,922 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.5722% | 1,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1337% | 4,341 |
| Return on assets (ROA) | 0.1337% | 4,371 |
| Pretax return on assets | 0.1589% | 4,358 |
| Return on Equity (ROE) | 1.3000% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.3006% | 3,857 |
| Net charge-offs to loans | 0.2562% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.1222% | 2,381 |
| Efficiency ratio | 94.1820% | 258 |
| Assets per employee ($millions) | 5.3957% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0668% | 374 |
| Loan loss allowance to noncurrent loans | 215.7585% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 589 |
| Noncurrent loans to loans | 0.9579% | 790 |
| Net loans and leases to total assets | 55.9400% | 3,123 |
| Net loans and leases to deposits | 70.5697% | 2,742 |
| Net loans and leases to core deposits | 73.3930% | 2,932 |
| Total domestic deposits to total assets | 79.2600% | 3,683 |
| Equity capital to assets | 10.5462% | 1,577 |
| Core capital (leverage) ratio | 15.6424% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $127,128,667 | 3,601 |
| Average earning assets | $116,244,333 | 3,605 |
| Average equity | $13,071,333 | 3,428 |
| Average total loans | $70,257,333 | 3,562 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 4,089 |
| Cost of funding earning assets | 0.8346% | 2,581 |
| Net interest margin | 2.8239% | 3,918 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.5404% | 2,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2177% | 4,340 |
| Return on assets (ROA) | 0.2177% | 4,299 |
| Pretax return on assets | 0.2674% | 4,286 |
| Return on Equity (ROE) | 2.1400% | 4,286 |
| Retained earnings to average equity (ytd only) | 2.1435% | 3,677 |
| Net charge-offs to loans | -0.0343% | 4,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.4762% | 344 |
| Assets per employee ($millions) | 5.1049% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2196% | 311 |
| Loan loss allowance to noncurrent loans | 110.4742% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 357 |
| Noncurrent loans to loans | 2.0092% | 276 |
| Net loans and leases to total assets | 53.8800% | 3,208 |
| Net loans and leases to deposits | 62.1181% | 3,218 |
| Net loans and leases to core deposits | 67.2423% | 3,148 |
| Total domestic deposits to total assets | 86.7400% | 2,359 |
| Equity capital to assets | 10.6549% | 1,485 |
| Core capital (leverage) ratio | 15.2023% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $128,642,000 | 3,632 |
| Average earning assets | $117,426,000 | 3,637 |
| Average equity | $13,063,000 | 3,469 |
| Average total loans | $69,944,500 | 3,606 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4746% | 3,144 |
| Cost of funding earning assets | 0.3892% | 2,181 |
| Net interest margin | 3.0854% | 3,210 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.7254% | 1,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4161% | 4,227 |
| Return on assets (ROA) | 0.4161% | 4,190 |
| Pretax return on assets | 0.4585% | 4,222 |
| Return on Equity (ROE) | 4.0200% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.5379% | 3,843 |
| Net charge-offs to loans | -0.0346% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 85.5996% | 435 |
| Assets per employee ($millions) | 5.1865% | 3,525 |
| Cash dividends to net income (ytd only)* | 36.8421% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2670% | 281 |
| Loan loss allowance to noncurrent loans | 215.1432% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 890 |
| Noncurrent loans to loans | 1.0537% | 688 |
| Net loans and leases to total assets | 52.4300% | 3,325 |
| Net loans and leases to deposits | 59.3755% | 3,370 |
| Net loans and leases to core deposits | 63.3934% | 3,302 |
| Total domestic deposits to total assets | 88.3100% | 1,965 |
| Equity capital to assets | 9.6620% | 1,912 |
| Core capital (leverage) ratio | 14.5233% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $136,972,600 | 3,563 |
| Average earning assets | $124,100,600 | 3,577 |
| Average equity | $14,185,200 | 3,446 |
| Average total loans | $72,299,800 | 3,537 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 2,957 |
| Cost of funding earning assets | 0.3716% | 1,512 |
| Net interest margin | 3.0129% | 3,187 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.4466% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6801% | 3,620 |
| Return on assets (ROA) | 0.6801% | 3,581 |
| Pretax return on assets | 0.7262% | 3,750 |
| Return on Equity (ROE) | 6.4700% | 3,694 |
| Retained earnings to average equity (ytd only) | 5.1873% | 3,031 |
| Net charge-offs to loans | -0.0347% | 4,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.1117% | 992 |
| Assets per employee ($millions) | 6.2288% | 2,552 |
| Cash dividends to net income (ytd only)* | 19.7740% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1913% | 351 |
| Loan loss allowance to noncurrent loans | 196.8672% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 910 |
| Noncurrent loans to loans | 1.1131% | 668 |
| Net loans and leases to total assets | 51.1700% | 3,369 |
| Net loans and leases to deposits | 55.8141% | 3,497 |
| Net loans and leases to core deposits | 58.4896% | 3,470 |
| Total domestic deposits to total assets | 91.6800% | 980 |
| Equity capital to assets | 8.0200% | 2,876 |
| Core capital (leverage) ratio | 13.8153% | 718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $138,800,250 | 3,568 |
| Average earning assets | $125,590,500 | 3,594 |
| Average equity | $14,599,500 | 3,455 |
| Average total loans | $72,984,250 | 3,534 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3343% | 2,628 |
| Cost of funding earning assets | 0.3671% | 1,129 |
| Net interest margin | 2.9672% | 2,980 |
| Noninterest income to average assets | 0.5725% | 1,854 |
| Noninterest expense to average assets | 2.3890% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8164% | 2,897 |
| Return on assets (ROA) | 0.8164% | 2,867 |
| Pretax return on assets | 0.8623% | 3,166 |
| Return on Equity (ROE) | 7.2013% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.2013% | 1,919 |
| Net charge-offs to loans | -0.0327% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4775% | 1,572 |
| Assets per employee ($millions) | 6.1470% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 394 |
| Loan loss allowance to noncurrent loans | 195.9900% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 998 |
| Noncurrent loans to loans | 1.1117% | 742 |
| Net loans and leases to total assets | 49.6644% | 3,403 |
| Net loans and leases to deposits | 54.9516% | 3,470 |
| Net loans and leases to core deposits | 57.7748% | 3,437 |
| Total domestic deposits to total assets | 90.3785% | 1,523 |
| Equity capital to assets | 9.3662% | 2,116 |
| Core capital (leverage) ratio | 13.7284% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,389,333 | 3,602 |
| Average earning assets | $125,841,667 | 3,642 |
| Average equity | $15,802,667 | 3,423 |
| Average total loans | $73,414,667 | 3,564 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 2,168 |
| Cost of funding earning assets | 0.3603% | 1,129 |
| Net interest margin | 3.0129% | 2,461 |
| Noninterest income to average assets | 0.1965% | 3,981 |
| Noninterest expense to average assets | 2.4221% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4567% | 3,826 |
| Return on assets (ROA) | 0.4567% | 3,791 |
| Pretax return on assets | 0.5058% | 3,863 |
| Return on Equity (ROE) | 3.6996% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.6996% | 3,041 |
| Net charge-offs to loans | -0.0269% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7246% | 934 |
| Assets per employee ($millions) | 6.2822% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1202% | 505 |
| Loan loss allowance to noncurrent loans | 580.9701% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 2,475 |
| Noncurrent loans to loans | 0.3649% | 2,177 |
| Net loans and leases to total assets | 52.0075% | 2,988 |
| Net loans and leases to deposits | 58.5653% | 3,027 |
| Net loans and leases to core deposits | 63.4811% | 2,837 |
| Total domestic deposits to total assets | 88.8025% | 2,169 |
| Equity capital to assets | 10.9537% | 1,347 |
| Core capital (leverage) ratio | 13.7850% | 619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,393,500 | 3,634 |
| Average earning assets | $125,459,000 | 3,663 |
| Average equity | $17,083,000 | 3,391 |
| Average total loans | $74,232,000 | 3,554 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 1,795 |
| Cost of funding earning assets | 0.4081% | 1,484 |
| Net interest margin | 3.4214% | 1,962 |
| Noninterest income to average assets | 0.4350% | 2,885 |
| Noninterest expense to average assets | 2.4069% | 2,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1105% | 2,243 |
| Return on assets (ROA) | 1.1105% | 2,306 |
| Pretax return on assets | 1.1564% | 2,800 |
| Return on Equity (ROE) | 8.1709% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.5195% | 2,115 |
| Net charge-offs to loans | -0.0248% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5460% | 2,048 |
| Assets per employee ($millions) | 6.0251% | 2,745 |
| Cash dividends to net income (ytd only)* | 20.2100% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 550 |
| Loan loss allowance to noncurrent loans | 287.4074% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,669 |
| Noncurrent loans to loans | 0.7197% | 1,413 |
| Net loans and leases to total assets | 53.0214% | 2,961 |
| Net loans and leases to deposits | 61.6115% | 2,925 |
| Net loans and leases to core deposits | 66.9375% | 2,738 |
| Total domestic deposits to total assets | 86.0577% | 2,878 |
| Equity capital to assets | 13.7302% | 719 |
| Core capital (leverage) ratio | 13.5702% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,231,000 | 3,606 |
| Average earning assets | $125,474,800 | 3,624 |
| Average equity | $18,651,600 | 3,334 |
| Average total loans | $76,565,400 | 3,531 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 1,618 |
| Cost of funding earning assets | 0.4204% | 1,548 |
| Net interest margin | 3.5455% | 1,744 |
| Noninterest income to average assets | 0.4198% | 2,983 |
| Noninterest expense to average assets | 2.3570% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2603% | 1,954 |
| Return on assets (ROA) | 1.2603% | 2,012 |
| Pretax return on assets | 1.3071% | 2,607 |
| Return on Equity (ROE) | 9.2969% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.0899% | 2,029 |
| Net charge-offs to loans | -0.0243% | 4,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3275% | 2,344 |
| Assets per employee ($millions) | 5.6262% | 3,067 |
| Cash dividends to net income (ytd only)* | 12.9830% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 601 |
| Loan loss allowance to noncurrent loans | 262.2034% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,788 |
| Noncurrent loans to loans | 0.7734% | 1,462 |
| Net loans and leases to total assets | 53.1378% | 3,066 |
| Net loans and leases to deposits | 63.7618% | 2,876 |
| Net loans and leases to core deposits | 66.8428% | 2,877 |
| Total domestic deposits to total assets | 83.3380% | 3,623 |
| Equity capital to assets | 13.5367% | 839 |
| Core capital (leverage) ratio | 13.3456% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,894,250 | 3,651 |
| Average earning assets | $125,263,250 | 3,661 |
| Average equity | $18,557,750 | 3,381 |
| Average total loans | $76,949,750 | 3,582 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 1,181 |
| Cost of funding earning assets | 0.4356% | 1,611 |
| Net interest margin | 3.7705% | 1,190 |
| Noninterest income to average assets | 0.2197% | 4,088 |
| Noninterest expense to average assets | 2.3253% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3064% | 1,848 |
| Return on assets (ROA) | 1.3064% | 1,919 |
| Pretax return on assets | 1.3536% | 2,463 |
| Return on Equity (ROE) | 9.6320% | 2,898 |
| Retained earnings to average equity (ytd only) | 9.6320% | 1,513 |
| Net charge-offs to loans | -0.0181% | 3,950 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2064% | 2,537 |
| Assets per employee ($millions) | 6.1767% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0561% | 543 |
| Loan loss allowance to noncurrent loans | 177.2152% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 1,366 |
| Noncurrent loans to loans | 1.1602% | 1,046 |
| Net loans and leases to total assets | 51.6377% | 3,377 |
| Net loans and leases to deposits | 59.6780% | 3,416 |
| Net loans and leases to core deposits | 62.7136% | 3,399 |
| Total domestic deposits to total assets | 86.5271% | 2,539 |
| Equity capital to assets | 13.2533% | 878 |
| Core capital (leverage) ratio | 13.2836% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,640,667 | 3,679 |
| Average earning assets | $124,440,000 | 3,685 |
| Average equity | $18,397,000 | 3,393 |
| Average total loans | $77,170,333 | 3,598 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6354% | 621 |
| Cost of funding earning assets | 0.4494% | 1,726 |
| Net interest margin | 4.1860% | 618 |
| Noninterest income to average assets | 0.1812% | 4,287 |
| Noninterest expense to average assets | 2.4859% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5012% | 1,329 |
| Return on assets (ROA) | 1.5012% | 1,390 |
| Pretax return on assets | 1.5495% | 1,858 |
| Return on Equity (ROE) | 10.9342% | 2,384 |
| Retained earnings to average equity (ytd only) | 10.9342% | 1,417 |
| Net charge-offs to loans | 0.0051% | 1,728 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 513.0000% | 185 |
| Efficiency ratio | 61.6018% | 2,823 |
| Assets per employee ($millions) | 5.6741% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 692 |
| Loan loss allowance to noncurrent loans | 118.5759% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9634% | 868 |
| Noncurrent loans to loans | 1.6320% | 743 |
| Net loans and leases to total assets | 57.0110% | 2,904 |
| Net loans and leases to deposits | 65.9019% | 2,926 |
| Net loans and leases to core deposits | 69.0272% | 2,965 |
| Total domestic deposits to total assets | 86.5089% | 2,523 |
| Equity capital to assets | 13.2921% | 838 |
| Core capital (leverage) ratio | 14.1098% | 633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,429,500 | 3,711 |
| Average earning assets | $121,930,000 | 3,719 |
| Average equity | $18,181,500 | 3,407 |
| Average total loans | $78,306,500 | 3,598 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,311 |
| Cost of funding earning assets | 0.5927% | 2,364 |
| Net interest margin | 3.5481% | 2,319 |
| Noninterest income to average assets | 0.3733% | 3,245 |
| Noninterest expense to average assets | 2.6737% | 2,317 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9769% | 2,369 |
| Return on assets (ROA) | 0.9769% | 2,519 |
| Pretax return on assets | 0.9769% | 3,119 |
| Return on Equity (ROE) | 6.5462% | 3,390 |
| Retained earnings to average equity (ytd only) | 2.0418% | 3,808 |
| Net charge-offs to loans | -0.4728% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2401% | 1,535 |
| Assets per employee ($millions) | 4.9492% | 3,443 |
| Cash dividends to net income (ytd only)* | 68.8089% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 618 |
| Loan loss allowance to noncurrent loans | 72.1412% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.6669% | 403 |
| Noncurrent loans to loans | 2.7439% | 339 |
| Net loans and leases to total assets | 58.9921% | 2,980 |
| Net loans and leases to deposits | 68.8966% | 2,993 |
| Net loans and leases to core deposits | 72.2302% | 3,056 |
| Total domestic deposits to total assets | 85.6240% | 2,522 |
| Equity capital to assets | 14.1918% | 750 |
| Core capital (leverage) ratio | 14.1085% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,461,000 | 3,756 |
| Average earning assets | $110,342,200 | 3,763 |
| Average equity | $17,827,200 | 3,385 |
| Average total loans | $81,634,400 | 3,525 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,316 |
| Cost of funding earning assets | 0.6111% | 2,544 |
| Net interest margin | 3.6162% | 2,221 |
| Noninterest income to average assets | 0.4302% | 2,935 |
| Noninterest expense to average assets | 2.6608% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0607% | 2,108 |
| Return on assets (ROA) | 1.0607% | 2,241 |
| Pretax return on assets | 1.1164% | 2,690 |
| Return on Equity (ROE) | 7.0132% | 3,194 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,125 |
| Net charge-offs to loans | -0.6112% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4429% | 1,824 |
| Assets per employee ($millions) | 4.3838% | 3,969 |
| Cash dividends to net income (ytd only)* | 45.3863% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 645 |
| Loan loss allowance to noncurrent loans | 63.3721% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.1052% | 295 |
| Noncurrent loans to loans | 2.9219% | 324 |
| Net loans and leases to total assets | 65.8979% | 2,532 |
| Net loans and leases to deposits | 77.6975% | 2,559 |
| Net loans and leases to core deposits | 81.6785% | 2,685 |
| Total domestic deposits to total assets | 84.8134% | 2,507 |
| Equity capital to assets | 14.8217% | 677 |
| Core capital (leverage) ratio | 14.5408% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7608% | 528 |
| Memoranda: | ||
| Average total assets | $117,156,250 | 3,774 |
| Average earning assets | $108,434,250 | 3,784 |
| Average equity | $17,718,500 | 3,395 |
| Average total loans | $82,682,000 | 3,529 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,131 |
| Cost of funding earning assets | 0.6425% | 2,743 |
| Net interest margin | 3.7855% | 1,875 |
| Noninterest income to average assets | 0.6418% | 1,969 |
| Noninterest expense to average assets | 2.7200% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3444% | 1,236 |
| Return on assets (ROA) | 1.3444% | 1,335 |
| Pretax return on assets | 1.4069% | 1,712 |
| Return on Equity (ROE) | 8.8267% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.0090% | 2,898 |
| Net charge-offs to loans | 0.0169% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 115.8571% | 642 |
| Efficiency ratio | 65.9100% | 2,528 |
| Assets per employee ($millions) | 4.7622% | 3,453 |
| Cash dividends to net income (ytd only)* | 54.5806% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3889% | 1,628 |
| Loan loss allowance to noncurrent loans | 44.3407% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 286 |
| Noncurrent loans to loans | 3.1324% | 292 |
| Net loans and leases to total assets | 65.3696% | 2,711 |
| Net loans and leases to deposits | 76.8642% | 2,771 |
| Net loans and leases to core deposits | 80.9623% | 2,872 |
| Total domestic deposits to total assets | 85.0456% | 2,377 |
| Equity capital to assets | 14.6306% | 703 |
| Core capital (leverage) ratio | 15.2320% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2235% | 557 |
| Memoranda: | ||
| Average total assets | $115,293,000 | 3,781 |
| Average earning assets | $106,142,333 | 3,805 |
| Average equity | $17,560,333 | 3,408 |
| Average total loans | $82,771,667 | 3,537 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 2,259 |
| Cost of funding earning assets | 0.7039% | 2,917 |
| Net interest margin | 3.8152% | 1,919 |
| Noninterest income to average assets | 0.2666% | 3,941 |
| Noninterest expense to average assets | 2.8424% | 2,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8754% | 2,595 |
| Return on assets (ROA) | 0.8754% | 2,700 |
| Pretax return on assets | 0.9583% | 2,972 |
| Return on Equity (ROE) | 5.6240% | 3,447 |
| Retained earnings to average equity (ytd only) | -2.7310% | 4,327 |
| Net charge-offs to loans | 0.0529% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 24.1818% | 1,309 |
| Efficiency ratio | 74.7867% | 1,712 |
| Assets per employee ($millions) | 4.1248% | 3,755 |
| Cash dividends to net income (ytd only)* | 148.5597% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 1,847 |
| Loan loss allowance to noncurrent loans | 25.2559% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 4.2740% | 89 |
| Noncurrent loans to loans | 5.3986% | 101 |
| Net loans and leases to total assets | 73.7263% | 1,654 |
| Net loans and leases to deposits | 87.4346% | 1,812 |
| Net loans and leases to core deposits | 89.6504% | 2,379 |
| Total domestic deposits to total assets | 84.3216% | 2,662 |
| Equity capital to assets | 15.3309% | 705 |
| Core capital (leverage) ratio | 15.6011% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3939% | 536 |
| Memoranda: | ||
| Average total assets | $111,031,500 | 3,830 |
| Average earning assets | $102,853,000 | 3,838 |
| Average equity | $17,283,000 | 3,442 |
| Average total loans | $83,118,500 | 3,532 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 2,282 |
| Cost of funding earning assets | 0.7767% | 2,787 |
| Net interest margin | 3.9395% | 2,033 |
| Noninterest income to average assets | 0.2964% | 3,908 |
| Noninterest expense to average assets | 2.8837% | 2,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0632% | 2,606 |
| Return on assets (ROA) | 1.0632% | 2,701 |
| Pretax return on assets | 1.1011% | 3,158 |
| Return on Equity (ROE) | 7.2132% | 3,479 |
| Retained earnings to average equity (ytd only) | 4.0859% | 2,928 |
| Net charge-offs to loans | 0.0553% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 25.5600% | 1,731 |
| Efficiency ratio | 72.3676% | 1,817 |
| Assets per employee ($millions) | 4.6122% | 3,074 |
| Cash dividends to net income (ytd only)* | 43.3549% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,584 |
| Loan loss allowance to noncurrent loans | 21.6742% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 5.0211% | 59 |
| Noncurrent loans to loans | 6.3764% | 58 |
| Net loans and leases to total assets | 73.9396% | 1,769 |
| Net loans and leases to deposits | 88.1496% | 1,824 |
| Net loans and leases to core deposits | 90.1378% | 2,411 |
| Total domestic deposits to total assets | 83.8797% | 2,887 |
| Equity capital to assets | 15.8023% | 637 |
| Core capital (leverage) ratio | 15.5462% | 586 |
| Tier 1 risk-based capital ratio | 22.7615% | 935 |
| Total risk-based capital ratio | 24.0146% | 920 |
| Memoranda: | ||
| Average total assets | $116,064,800 | 3,749 |
| Average earning assets | $108,668,000 | 3,735 |
| Average equity | $17,107,600 | 3,421 |
| Average total loans | $90,361,600 | 3,388 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8133% | 2,079 |
| Cost of funding earning assets | 0.7792% | 2,821 |
| Net interest margin | 4.0342% | 1,820 |
| Noninterest income to average assets | 0.3180% | 3,845 |
| Noninterest expense to average assets | 2.9696% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1050% | 2,553 |
| Return on assets (ROA) | 1.1050% | 2,642 |
| Pretax return on assets | 1.1231% | 3,227 |
| Return on Equity (ROE) | 7.6260% | 3,467 |
| Retained earnings to average equity (ytd only) | 4.7653% | 3,016 |
| Net charge-offs to loans | -0.0535% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5583% | 1,753 |
| Assets per employee ($millions) | 4.6868% | 2,934 |
| Cash dividends to net income (ytd only)* | 37.5125% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,518 |
| Loan loss allowance to noncurrent loans | 21.3569% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 5.2523% | 68 |
| Noncurrent loans to loans | 6.6209% | 57 |
| Net loans and leases to total assets | 76.4871% | 1,401 |
| Net loans and leases to deposits | 90.9471% | 1,574 |
| Net loans and leases to core deposits | 92.9505% | 2,272 |
| Total domestic deposits to total assets | 84.1007% | 2,784 |
| Equity capital to assets | 15.4850% | 734 |
| Core capital (leverage) ratio | 15.1439% | 709 |
| Tier 1 risk-based capital ratio | 21.9336% | 1,078 |
| Total risk-based capital ratio | 23.1868% | 1,051 |
| Memoranda: | ||
| Average total assets | $117,407,750 | 3,782 |
| Average earning assets | $109,858,750 | 3,754 |
| Average equity | $17,011,500 | 3,455 |
| Average total loans | $92,203,750 | 3,395 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 2,026 |
| Cost of funding earning assets | 0.7907% | 2,688 |
| Net interest margin | 4.0202% | 1,858 |
| Noninterest income to average assets | 0.3326% | 3,712 |
| Noninterest expense to average assets | 2.7787% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3339% | 1,638 |
| Return on assets (ROA) | 1.3339% | 1,703 |
| Pretax return on assets | 1.3121% | 2,517 |
| Return on Equity (ROE) | 9.4098% | 2,679 |
| Retained earnings to average equity (ytd only) | 5.0841% | 2,724 |
| Net charge-offs to loans | -0.2088% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9261% | 2,544 |
| Assets per employee ($millions) | 4.1068% | 3,720 |
| Cash dividends to net income (ytd only)* | 45.9698% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 1,465 |
| Loan loss allowance to noncurrent loans | 21.8455% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 5.2465% | 73 |
| Noncurrent loans to loans | 6.5815% | 55 |
| Net loans and leases to total assets | 77.2032% | 1,355 |
| Net loans and leases to deposits | 91.1467% | 1,605 |
| Net loans and leases to core deposits | 93.0878% | 2,319 |
| Total domestic deposits to total assets | 84.7021% | 2,597 |
| Equity capital to assets | 14.9700% | 820 |
| Core capital (leverage) ratio | 14.7184% | 768 |
| Tier 1 risk-based capital ratio | 21.2902% | 1,145 |
| Total risk-based capital ratio | 22.5442% | 1,126 |
| Memoranda: | ||
| Average total assets | $119,049,330 | 3,782 |
| Average earning assets | $111,287,330 | 3,753 |
| Average equity | $16,876,000 | 3,474 |
| Average total loans | $93,848,670 | 3,378 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9644% | 1,426 |
| Cost of funding earning assets | 0.7857% | 2,621 |
| Net interest margin | 4.1787% | 1,351 |
| Noninterest income to average assets | 0.4427% | 2,891 |
| Noninterest expense to average assets | 2.7784% | 2,648 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4866% | 1,143 |
| Return on assets (ROA) | 1.4866% | 1,167 |
| Pretax return on assets | 1.5824% | 1,518 |
| Return on Equity (ROE) | 10.7739% | 2,040 |
| Retained earnings to average equity (ytd only) | 2.0351% | 4,057 |
| Net charge-offs to loans | -0.2340% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7121% | 3,285 |
| Assets per employee ($millions) | 4.1057% | 3,761 |
| Cash dividends to net income (ytd only)* | 81.1111% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 1,944 |
| Loan loss allowance to noncurrent loans | 24.2641% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 4.3834% | 89 |
| Noncurrent loans to loans | 5.4927% | 90 |
| Net loans and leases to total assets | 77.9102% | 1,169 |
| Net loans and leases to deposits | 91.0763% | 1,503 |
| Net loans and leases to core deposits | 93.2048% | 2,194 |
| Total domestic deposits to total assets | 85.5439% | 2,463 |
| Equity capital to assets | 14.1109% | 1,001 |
| Core capital (leverage) ratio | 14.0484% | 937 |
| Tier 1 risk-based capital ratio | 20.1783% | 1,311 |
| Total risk-based capital ratio | 21.4311% | 1,276 |
| Memoranda: | ||
| Average total assets | $121,079,000 | 3,785 |
| Average earning assets | $113,527,500 | 3,753 |
| Average equity | $16,707,000 | 3,507 |
| Average total loans | $95,737,500 | 3,385 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 2,104 |
| Cost of funding earning assets | 0.8358% | 1,357 |
| Net interest margin | 3.7768% | 2,755 |
| Noninterest income to average assets | 0.2492% | 4,428 |
| Noninterest expense to average assets | 2.5548% | 3,454 |
| Loan and lease loss provision to assets | 0.0794% | 2,539 |
| Net operating income to assets | 1.0520% | 2,801 |
| Return on assets (ROA) | 1.0520% | 2,787 |
| Pretax return on assets | 1.1407% | 3,130 |
| Return on Equity (ROE) | 8.4543% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.4543% | 1,063 |
| Net charge-offs to loans | 0.5617% | 309 |
| Credit loss provision to net charge-offs | 17.0569% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.6204% | 3,505 |
| Efficiency ratio | 67.6774% | 2,602 |
| Assets per employee ($millions) | 4.3962% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,418 |
| Loan loss allowance to noncurrent loans | 23.3333% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 4.5120% | 83 |
| Noncurrent loans to loans | 5.2638% | 99 |
| Net loans and leases to total assets | 78.2020% | 1,246 |
| Net loans and leases to deposits | 90.7618% | 1,706 |
| Net loans and leases to core deposits | 92.5676% | 2,358 |
| Total domestic deposits to total assets | 86.1618% | 2,152 |
| Equity capital to assets | 13.4962% | 1,145 |
| Core capital (leverage) ratio | 13.3829% | 1,114 |
| Tier 1 risk-based capital ratio | 19.2459% | 1,467 |
| Total risk-based capital ratio | 20.4966% | 1,427 |
| Memoranda: | ||
| Average total assets | $128,424,400 | 3,668 |
| Average earning assets | $119,888,600 | 3,646 |
| Average equity | $15,980,000 | 3,511 |
| Average total loans | $106,469,800 | 3,195 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 2,112 |
| Cost of funding earning assets | 0.8307% | 1,191 |
| Net interest margin | 3.7242% | 2,917 |
| Noninterest income to average assets | 0.2302% | 4,590 |
| Noninterest expense to average assets | 2.5236% | 3,518 |
| Loan and lease loss provision to assets | 0.1028% | 1,950 |
| Net operating income to assets | 0.9844% | 3,156 |
| Return on assets (ROA) | 0.9844% | 3,163 |
| Pretax return on assets | 1.0727% | 3,492 |
| Return on Equity (ROE) | 8.0731% | 3,513 |
| Retained earnings to average equity (ytd only) | 8.0731% | 1,608 |
| Net charge-offs to loans | 0.6205% | 235 |
| Credit loss provision to net charge-offs | 19.7628% | 3,017 |
| Earnings coverage of net charge-offs (x) | 2.2609% | 3,259 |
| Efficiency ratio | 68.2222% | 2,500 |
| Assets per employee ($millions) | 4.4678% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,230 |
| Loan loss allowance to noncurrent loans | 20.8820% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 5.3686% | 76 |
| Noncurrent loans to loans | 6.1023% | 76 |
| Net loans and leases to total assets | 79.7693% | 1,057 |
| Net loans and leases to deposits | 92.1523% | 1,602 |
| Net loans and leases to core deposits | 93.6757% | 2,321 |
| Total domestic deposits to total assets | 86.5624% | 1,940 |
| Equity capital to assets | 12.9763% | 1,355 |
| Core capital (leverage) ratio | 12.6806% | 1,430 |
| Tier 1 risk-based capital ratio | 18.0065% | 1,790 |
| Total risk-based capital ratio | 19.2580% | 1,749 |
| Memoranda: | ||
| Average total assets | $129,757,000 | 3,684 |
| Average earning assets | $120,862,750 | 3,668 |
| Average equity | $15,821,750 | 3,557 |
| Average total loans | $108,722,500 | 3,179 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,744 |
| Cost of funding earning assets | 0.8321% | 997 |
| Net interest margin | 3.7803% | 2,633 |
| Noninterest income to average assets | 0.2163% | 4,728 |
| Noninterest expense to average assets | 2.4415% | 3,793 |
| Loan and lease loss provision to assets | 0.1523% | 1,241 |
| Net operating income to assets | 1.0509% | 2,801 |
| Return on assets (ROA) | 1.0509% | 2,793 |
| Pretax return on assets | 1.1378% | 3,173 |
| Return on Equity (ROE) | 8.7984% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.7984% | 1,277 |
| Net charge-offs to loans | 0.0521% | 1,858 |
| Credit loss provision to net charge-offs | 344.8276% | 913 |
| Earnings coverage of net charge-offs (x) | 29.2069% | 1,531 |
| Efficiency ratio | 65.4286% | 3,079 |
| Assets per employee ($millions) | 4.5906% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 912 |
| Loan loss allowance to noncurrent loans | 31.9971% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 4.9052% | 95 |
| Noncurrent loans to loans | 5.2962% | 120 |
| Net loans and leases to total assets | 79.6105% | 1,081 |
| Net loans and leases to deposits | 91.2470% | 1,677 |
| Net loans and leases to core deposits | 92.4874% | 2,358 |
| Total domestic deposits to total assets | 87.2473% | 1,741 |
| Equity capital to assets | 12.4470% | 1,571 |
| Core capital (leverage) ratio | 12.2665% | 1,558 |
| Tier 1 risk-based capital ratio | 17.3571% | 1,982 |
| Total risk-based capital ratio | 18.6151% | 1,930 |
| Memoranda: | ||
| Average total assets | $131,310,330 | 3,685 |
| Average earning assets | $122,106,000 | 3,667 |
| Average equity | $15,684,670 | 3,589 |
| Average total loans | $111,271,000 | 3,157 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 1,284 |
| Cost of funding earning assets | 0.8223% | 859 |
| Net interest margin | 3.8872% | 2,094 |
| Noninterest income to average assets | 0.2743% | 4,335 |
| Noninterest expense to average assets | 2.3995% | 3,944 |
| Loan and lease loss provision to assets | 0.3014% | 428 |
| Net operating income to assets | 1.0912% | 2,464 |
| Return on assets (ROA) | 1.0912% | 2,477 |
| Pretax return on assets | 1.1786% | 2,847 |
| Return on Equity (ROE) | 9.3254% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.3254% | 1,353 |
| Net charge-offs to loans | -0.0418% | 4,886 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8493% | 3,812 |
| Assets per employee ($millions) | 5.5190% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,092 |
| Loan loss allowance to noncurrent loans | 33.2168% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 4.4165% | 127 |
| Noncurrent loans to loans | 4.9122% | 157 |
| Net loans and leases to total assets | 82.1527% | 646 |
| Net loans and leases to deposits | 93.4541% | 1,284 |
| Net loans and leases to core deposits | 94.6712% | 2,084 |
| Total domestic deposits to total assets | 87.9070% | 1,675 |
| Equity capital to assets | 11.8476% | 1,883 |
| Core capital (leverage) ratio | 11.9184% | 1,702 |
| Tier 1 risk-based capital ratio | 16.1939% | 2,392 |
| Total risk-based capital ratio | 17.4510% | 2,342 |
| Memoranda: | ||
| Average total assets | $132,697,000 | 3,700 |
| Average earning assets | $123,070,500 | 3,694 |
| Average equity | $15,527,500 | 3,642 |
| Average total loans | $114,860,000 | 3,122 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9995% | 648 |
| Cost of funding earning assets | 0.7978% | 632 |
| Net interest margin | 4.2017% | 1,187 |
| Noninterest income to average assets | 0.3711% | 3,816 |
| Noninterest expense to average assets | 2.1709% | 4,595 |
| Loan and lease loss provision to assets | 0.5714% | 224 |
| Net operating income to assets | 1.4288% | 955 |
| Return on assets (ROA) | 1.4288% | 970 |
| Pretax return on assets | 1.5138% | 1,586 |
| Return on Equity (ROE) | 12.6686% | 1,030 |
| Retained earnings to average equity (ytd only) | 4.6336% | 2,369 |
| Net charge-offs to loans | 0.1934% | 1,316 |
| Credit loss provision to net charge-offs | 334.6320% | 859 |
| Earnings coverage of net charge-offs (x) | 12.2121% | 2,493 |
| Efficiency ratio | 51.0073% | 5,167 |
| Assets per employee ($millions) | 5.7799% | 1,676 |
| Cash dividends to net income (ytd only)* | 63.4247% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,679 |
| Loan loss allowance to noncurrent loans | 42.7525% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 3.1707% | 241 |
| Noncurrent loans to loans | 3.3250% | 311 |
| Net loans and leases to total assets | 88.3163% | 123 |
| Net loans and leases to deposits | 100.1040% | 720 |
| Net loans and leases to core deposits | 101.3939% | 1,598 |
| Total domestic deposits to total assets | 88.2245% | 1,389 |
| Equity capital to assets | 11.5558% | 2,151 |
| Core capital (leverage) ratio | 11.1135% | 2,237 |
| Tier 1 risk-based capital ratio | 15.0933% | 2,805 |
| Total risk-based capital ratio | 16.3479% | 2,742 |
| Memoranda: | ||
| Average total assets | $135,290,800 | 3,676 |
| Average earning assets | $125,093,200 | 3,664 |
| Average equity | $15,258,200 | 3,688 |
| Average total loans | $119,467,800 | 3,066 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 706 |
| Cost of funding earning assets | 0.7526% | 750 |
| Net interest margin | 4.1805% | 1,202 |
| Noninterest income to average assets | 0.4072% | 3,637 |
| Noninterest expense to average assets | 2.0263% | 4,898 |
| Loan and lease loss provision to assets | 0.7585% | 147 |
| Net operating income to assets | 1.3207% | 1,269 |
| Return on assets (ROA) | 1.3207% | 1,300 |
| Pretax return on assets | 1.4817% | 1,837 |
| Return on Equity (ROE) | 11.7817% | 1,403 |
| Retained earnings to average equity (ytd only) | 8.3242% | 1,085 |
| Net charge-offs to loans | 0.1338% | 1,457 |
| Credit loss provision to net charge-offs | 644.1667% | 508 |
| Earnings coverage of net charge-offs (x) | 19.0245% | 2,019 |
| Efficiency ratio | 47.4931% | 5,369 |
| Assets per employee ($millions) | 6.5045% | 1,177 |
| Cash dividends to net income (ytd only)* | 29.3460% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,620 |
| Loan loss allowance to noncurrent loans | 56.9984% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.4686% | 440 |
| Noncurrent loans to loans | 2.5889% | 567 |
| Net loans and leases to total assets | 88.1818% | 144 |
| Net loans and leases to deposits | 104.5346% | 473 |
| Net loans and leases to core deposits | 105.9692% | 1,275 |
| Total domestic deposits to total assets | 84.3566% | 2,977 |
| Equity capital to assets | 11.4405% | 2,431 |
| Core capital (leverage) ratio | 11.3894% | 2,113 |
| Tier 1 risk-based capital ratio | 14.9504% | 2,941 |
| Total risk-based capital ratio | 16.2062% | 2,864 |
| Memoranda: | ||
| Average total assets | $135,879,250 | 3,707 |
| Average earning assets | $125,437,250 | 3,690 |
| Average equity | $15,232,250 | 3,726 |
| Average total loans | $119,560,250 | 3,092 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 707 |
| Cost of funding earning assets | 0.7192% | 799 |
| Net interest margin | 4.1711% | 1,146 |
| Noninterest income to average assets | 0.2728% | 4,593 |
| Noninterest expense to average assets | 1.9345% | 5,111 |
| Loan and lease loss provision to assets | 0.7151% | 152 |
| Net operating income to assets | 1.3005% | 1,296 |
| Return on assets (ROA) | 1.3005% | 1,318 |
| Pretax return on assets | 1.4627% | 1,792 |
| Return on Equity (ROE) | 11.6816% | 1,392 |
| Retained earnings to average equity (ytd only) | 11.6816% | 351 |
| Net charge-offs to loans | 0.1348% | 1,353 |
| Credit loss provision to net charge-offs | 606.2500% | 561 |
| Earnings coverage of net charge-offs (x) | 18.4625% | 1,877 |
| Efficiency ratio | 47.0420% | 5,433 |
| Assets per employee ($millions) | 6.4832% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,525 |
| Loan loss allowance to noncurrent loans | 53.2694% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.5347% | 422 |
| Noncurrent loans to loans | 2.3986% | 652 |
| Net loans and leases to total assets | 88.3017% | 133 |
| Net loans and leases to deposits | 104.5300% | 467 |
| Net loans and leases to core deposits | 105.7241% | 1,254 |
| Total domestic deposits to total assets | 84.4750% | 3,020 |
| Equity capital to assets | 11.4361% | 2,380 |
| Core capital (leverage) ratio | 11.3964% | 2,053 |
| Tier 1 risk-based capital ratio | 14.9503% | 2,953 |
| Total risk-based capital ratio | 16.2031% | 2,884 |
| Memoranda: | ||
| Average total assets | $135,641,000 | 3,731 |
| Average earning assets | $124,859,000 | 3,724 |
| Average equity | $15,100,670 | 3,747 |
| Average total loans | $118,662,000 | 3,112 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 676 |
| Cost of funding earning assets | 0.6924% | 873 |
| Net interest margin | 4.1673% | 1,052 |
| Noninterest income to average assets | 0.3723% | 3,865 |
| Noninterest expense to average assets | 1.9825% | 5,091 |
| Loan and lease loss provision to assets | 0.9159% | 96 |
| Net operating income to assets | 1.1197% | 1,793 |
| Return on assets (ROA) | 1.1197% | 1,830 |
| Pretax return on assets | 1.2793% | 2,310 |
| Return on Equity (ROE) | 10.1978% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.1978% | 767 |
| Net charge-offs to loans | -0.0102% | 4,439 |
| Credit loss provision to net charge-offs | -10,333.3333% | 4,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4540% | 5,487 |
| Assets per employee ($millions) | 6.4632% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,898 |
| Loan loss allowance to noncurrent loans | 50.2920% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.5477% | 446 |
| Noncurrent loans to loans | 2.4616% | 638 |
| Net loans and leases to total assets | 86.0493% | 219 |
| Net loans and leases to deposits | 101.4127% | 525 |
| Net loans and leases to core deposits | 102.5661% | 1,328 |
| Total domestic deposits to total assets | 84.8506% | 3,142 |
| Equity capital to assets | 11.0994% | 2,533 |
| Core capital (leverage) ratio | 11.1677% | 2,221 |
| Tier 1 risk-based capital ratio | 14.8405% | 3,051 |
| Total risk-based capital ratio | 16.0922% | 2,974 |
| Memoranda: | ||
| Average total assets | $135,387,500 | 3,767 |
| Average earning assets | $123,630,000 | 3,783 |
| Average equity | $14,866,000 | 3,799 |
| Average total loans | $117,104,500 | 3,160 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 634 |
| Cost of funding earning assets | 0.7549% | 620 |
| Net interest margin | 4.2137% | 1,082 |
| Noninterest income to average assets | 0.2983% | 4,602 |
| Noninterest expense to average assets | 1.9744% | 5,242 |
| Loan and lease loss provision to assets | 0.6889% | 182 |
| Net operating income to assets | 1.3888% | 1,032 |
| Return on assets (ROA) | 1.3888% | 1,068 |
| Pretax return on assets | 1.4760% | 1,665 |
| Return on Equity (ROE) | 13.1106% | 968 |
| Retained earnings to average equity (ytd only) | 5.6875% | 1,891 |
| Net charge-offs to loans | 0.6681% | 327 |
| Credit loss provision to net charge-offs | 121.4844% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.8177% | 3,605 |
| Efficiency ratio | 47.6989% | 5,584 |
| Assets per employee ($millions) | 6.1385% | 1,382 |
| Cash dividends to net income (ytd only)* | 56.6188% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,378 |
| Loan loss allowance to noncurrent loans | 55.9281% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 731 |
| Noncurrent loans to loans | 1.7749% | 1,071 |
| Net loans and leases to total assets | 85.0082% | 302 |
| Net loans and leases to deposits | 99.8374% | 680 |
| Net loans and leases to core deposits | 101.4824% | 1,490 |
| Total domestic deposits to total assets | 85.1467% | 2,981 |
| Equity capital to assets | 10.8607% | 2,752 |
| Core capital (leverage) ratio | 10.7956% | 2,536 |
| Tier 1 risk-based capital ratio | 14.8115% | 3,044 |
| Total risk-based capital ratio | 15.9785% | 3,030 |
| Memoranda: | ||
| Average total assets | $135,436,600 | 3,745 |
| Average earning assets | $123,454,600 | 3,759 |
| Average equity | $14,347,200 | 3,899 |
| Average total loans | $114,961,400 | 3,141 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 644 |
| Cost of funding earning assets | 0.7464% | 648 |
| Net interest margin | 4.2111% | 1,101 |
| Noninterest income to average assets | 0.3256% | 4,450 |
| Noninterest expense to average assets | 1.9439% | 5,304 |
| Loan and lease loss provision to assets | 0.9178% | 114 |
| Net operating income to assets | 1.1529% | 1,796 |
| Return on assets (ROA) | 1.1529% | 1,894 |
| Pretax return on assets | 1.3044% | 2,413 |
| Return on Equity (ROE) | 10.9526% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.1864% | 1,096 |
| Net charge-offs to loans | 0.6741% | 288 |
| Credit loss provision to net charge-offs | 160.8621% | 1,692 |
| Earnings coverage of net charge-offs (x) | 3.8948% | 3,345 |
| Efficiency ratio | 46.6588% | 5,644 |
| Assets per employee ($millions) | 6.1510% | 1,324 |
| Cash dividends to net income (ytd only)* | 25.2561% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 3,566 |
| Loan loss allowance to noncurrent loans | 82.9616% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.7388% | 968 |
| Noncurrent loans to loans | 1.3809% | 1,590 |
| Net loans and leases to total assets | 85.3845% | 297 |
| Net loans and leases to deposits | 100.6525% | 668 |
| Net loans and leases to core deposits | 102.3093% | 1,466 |
| Total domestic deposits to total assets | 84.8310% | 2,880 |
| Equity capital to assets | 10.9154% | 3,107 |
| Core capital (leverage) ratio | 10.7218% | 2,760 |
| Tier 1 risk-based capital ratio | 14.5769% | 3,249 |
| Total risk-based capital ratio | 15.8271% | 3,184 |
| Memoranda: | ||
| Average total assets | $135,534,000 | 3,758 |
| Average earning assets | $123,606,250 | 3,784 |
| Average equity | $14,267,250 | 3,943 |
| Average total loans | $114,713,750 | 3,155 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 760 |
| Cost of funding earning assets | 0.7478% | 640 |
| Net interest margin | 4.1291% | 1,295 |
| Noninterest income to average assets | 0.3377% | 4,366 |
| Noninterest expense to average assets | 1.8893% | 5,470 |
| Loan and lease loss provision to assets | 1.2330% | 77 |
| Net operating income to assets | 0.8304% | 3,170 |
| Return on assets (ROA) | 0.8304% | 3,308 |
| Pretax return on assets | 0.9778% | 3,665 |
| Return on Equity (ROE) | 7.9862% | 2,977 |
| Retained earnings to average equity (ytd only) | 4.9506% | 2,770 |
| Net charge-offs to loans | 0.8966% | 213 |
| Credit loss provision to net charge-offs | 163.6008% | 1,504 |
| Earnings coverage of net charge-offs (x) | 2.9335% | 3,194 |
| Efficiency ratio | 46.0791% | 5,751 |
| Assets per employee ($millions) | 6.6065% | 1,039 |
| Cash dividends to net income (ytd only)* | 38.0107% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,883 |
| Loan loss allowance to noncurrent loans | 81.0761% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 1,269 |
| Noncurrent loans to loans | 1.3712% | 1,633 |
| Net loans and leases to total assets | 84.0560% | 417 |
| Net loans and leases to deposits | 98.3844% | 847 |
| Net loans and leases to core deposits | 99.9520% | 1,638 |
| Total domestic deposits to total assets | 85.4364% | 2,673 |
| Equity capital to assets | 10.2900% | 3,876 |
| Core capital (leverage) ratio | 10.2526% | 3,267 |
| Tier 1 risk-based capital ratio | 13.9769% | 3,619 |
| Total risk-based capital ratio | 15.2273% | 3,537 |
| Memoranda: | ||
| Average total assets | $135,604,670 | 3,786 |
| Average earning assets | $123,560,670 | 3,812 |
| Average equity | $14,099,330 | 3,979 |
| Average total loans | $113,990,670 | 3,176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 736 |
| Cost of funding earning assets | 0.7577% | 609 |
| Net interest margin | 4.1098% | 1,311 |
| Noninterest income to average assets | 0.3551% | 4,187 |
| Noninterest expense to average assets | 2.0472% | 5,231 |
| Loan and lease loss provision to assets | 0.8057% | 127 |
| Net operating income to assets | 1.1549% | 1,694 |
| Return on assets (ROA) | 1.1549% | 1,811 |
| Pretax return on assets | 1.2414% | 2,537 |
| Return on Equity (ROE) | 11.0485% | 1,584 |
| Retained earnings to average equity (ytd only) | 4.9390% | 2,981 |
| Net charge-offs to loans | 0.0428% | 2,146 |
| Credit loss provision to net charge-offs | 2,250.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 808 |
| Efficiency ratio | 50.0000% | 5,626 |
| Assets per employee ($millions) | 6.6989% | 1,008 |
| Cash dividends to net income (ytd only)* | 55.2972% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 4,120 |
| Loan loss allowance to noncurrent loans | 84.3856% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 1,382 |
| Noncurrent loans to loans | 1.2894% | 1,872 |
| Net loans and leases to total assets | 84.3392% | 337 |
| Net loans and leases to deposits | 99.0619% | 686 |
| Net loans and leases to core deposits | 100.7023% | 1,425 |
| Total domestic deposits to total assets | 85.1379% | 3,068 |
| Equity capital to assets | 10.5219% | 3,464 |
| Core capital (leverage) ratio | 10.4936% | 2,971 |
| Tier 1 risk-based capital ratio | 14.2432% | 3,540 |
| Total risk-based capital ratio | 15.4926% | 3,469 |
| Memoranda: | ||
| Average total assets | $134,039,000 | 3,833 |
| Average earning assets | $121,953,000 | 3,875 |
| Average equity | $14,011,000 | 4,003 |
| Average total loans | $112,022,500 | 3,212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 513 |
| Cost of funding earning assets | 0.7243% | 718 |
| Net interest margin | 4.3769% | 833 |
| Noninterest income to average assets | 0.3419% | 4,465 |
| Noninterest expense to average assets | 2.0254% | 5,406 |
| Loan and lease loss provision to assets | 0.3065% | 554 |
| Net operating income to assets | 2.0184% | 334 |
| Return on assets (ROA) | 2.0184% | 345 |
| Pretax return on assets | 2.1087% | 419 |
| Return on Equity (ROE) | 19.5601% | 270 |
| Retained earnings to average equity (ytd only) | 12.3317% | 234 |
| Net charge-offs to loans | 0.5751% | 426 |
| Credit loss provision to net charge-offs | 62.9032% | 3,226 |
| Earnings coverage of net charge-offs (x) | 4.9565% | 3,462 |
| Efficiency ratio | 45.6106% | 5,939 |
| Assets per employee ($millions) | 6.0955% | 1,320 |
| Cash dividends to net income (ytd only)* | 36.9548% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 5,090 |
| Loan loss allowance to noncurrent loans | 151.4593% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 1,984 |
| Noncurrent loans to loans | 0.5929% | 3,391 |
| Net loans and leases to total assets | 81.1484% | 687 |
| Net loans and leases to deposits | 95.0808% | 1,106 |
| Net loans and leases to core deposits | 96.6430% | 1,783 |
| Total domestic deposits to total assets | 85.3468% | 2,925 |
| Equity capital to assets | 10.3840% | 3,509 |
| Core capital (leverage) ratio | 10.4759% | 2,959 |
| Tier 1 risk-based capital ratio | 14.6497% | 3,352 |
| Total risk-based capital ratio | 15.6971% | 3,380 |
| Memoranda: | ||
| Average total assets | $127,232,400 | 3,945 |
| Average earning assets | $119,148,600 | 3,900 |
| Average equity | $13,128,800 | 4,117 |
| Average total loans | $107,801,000 | 3,245 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 528 |
| Cost of funding earning assets | 0.7040% | 823 |
| Net interest margin | 4.3830% | 824 |
| Noninterest income to average assets | 0.3590% | 4,369 |
| Noninterest expense to average assets | 2.0523% | 5,379 |
| Loan and lease loss provision to assets | 0.4143% | 281 |
| Net operating income to assets | 1.8983% | 427 |
| Return on assets (ROA) | 1.8983% | 447 |
| Pretax return on assets | 2.0459% | 548 |
| Return on Equity (ROE) | 18.4273% | 376 |
| Retained earnings to average equity (ytd only) | 11.2709% | 440 |
| Net charge-offs to loans | 0.4995% | 481 |
| Credit loss provision to net charge-offs | 97.0149% | 2,353 |
| Earnings coverage of net charge-offs (x) | 5.7612% | 3,156 |
| Efficiency ratio | 45.4802% | 5,983 |
| Assets per employee ($millions) | 6.2115% | 1,231 |
| Cash dividends to net income (ytd only)* | 38.8360% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,383 |
| Loan loss allowance to noncurrent loans | 77.9288% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 1,596 |
| Noncurrent loans to loans | 1.3740% | 1,860 |
| Net loans and leases to total assets | 85.2830% | 274 |
| Net loans and leases to deposits | 104.5556% | 425 |
| Net loans and leases to core deposits | 105.6408% | 1,130 |
| Total domestic deposits to total assets | 81.5671% | 4,298 |
| Equity capital to assets | 10.2859% | 3,831 |
| Core capital (leverage) ratio | 10.4572% | 3,088 |
| Tier 1 risk-based capital ratio | 13.6979% | 4,022 |
| Total risk-based capital ratio | 14.9410% | 3,964 |
| Memoranda: | ||
| Average total assets | $125,515,500 | 4,012 |
| Average earning assets | $118,942,250 | 3,937 |
| Average equity | $12,929,750 | 4,193 |
| Average total loans | $107,299,750 | 3,279 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1443% | 462 |
| Cost of funding earning assets | 0.7050% | 822 |
| Net interest margin | 4.4392% | 708 |
| Noninterest income to average assets | 0.3907% | 4,149 |
| Noninterest expense to average assets | 2.0585% | 5,421 |
| Loan and lease loss provision to assets | 0.3552% | 369 |
| Net operating income to assets | 2.0618% | 328 |
| Return on assets (ROA) | 2.0618% | 346 |
| Pretax return on assets | 2.1958% | 417 |
| Return on Equity (ROE) | 20.0042% | 265 |
| Retained earnings to average equity (ytd only) | 13.5502% | 268 |
| Net charge-offs to loans | 0.6440% | 361 |
| Credit loss provision to net charge-offs | 64.7059% | 2,544 |
| Earnings coverage of net charge-offs (x) | 4.6471% | 3,014 |
| Efficiency ratio | 44.6585% | 6,089 |
| Assets per employee ($millions) | 5.9744% | 1,376 |
| Cash dividends to net income (ytd only)* | 32.2631% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 4,825 |
| Loan loss allowance to noncurrent loans | 87.6800% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.1501% | 2,206 |
| Noncurrent loans to loans | 1.1511% | 2,345 |
| Net loans and leases to total assets | 85.6833% | 254 |
| Net loans and leases to deposits | 102.8472% | 509 |
| Net loans and leases to core deposits | 106.5031% | 1,047 |
| Total domestic deposits to total assets | 83.3113% | 3,826 |
| Equity capital to assets | 10.4860% | 3,453 |
| Core capital (leverage) ratio | 10.3630% | 3,128 |
| Tier 1 risk-based capital ratio | 14.0178% | 3,913 |
| Total risk-based capital ratio | 15.1962% | 3,898 |
| Memoranda: | ||
| Average total assets | $123,873,670 | 4,075 |
| Average earning assets | $117,723,000 | 3,994 |
| Average equity | $12,767,330 | 4,246 |
| Average total loans | $105,583,670 | 3,337 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 403 |
| Cost of funding earning assets | 0.7018% | 846 |
| Net interest margin | 4.4985% | 603 |
| Noninterest income to average assets | 0.3932% | 4,058 |
| Noninterest expense to average assets | 2.0897% | 5,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4797% | 160 |
| Return on assets (ROA) | 2.4797% | 172 |
| Pretax return on assets | 2.5739% | 214 |
| Return on Equity (ROE) | 24.2742% | 121 |
| Retained earnings to average equity (ytd only) | 15.1754% | 273 |
| Net charge-offs to loans | 0.0730% | 1,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 41.6842% | 950 |
| Efficiency ratio | 44.8084% | 6,149 |
| Assets per employee ($millions) | 6.2157% | 1,250 |
| Cash dividends to net income (ytd only)* | 37.4836% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 4,374 |
| Loan loss allowance to noncurrent loans | 73.9802% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.4568% | 1,814 |
| Noncurrent loans to loans | 1.5275% | 1,841 |
| Net loans and leases to total assets | 84.2446% | 294 |
| Net loans and leases to deposits | 103.3116% | 399 |
| Net loans and leases to core deposits | 107.0992% | 871 |
| Total domestic deposits to total assets | 81.5442% | 4,657 |
| Equity capital to assets | 10.3151% | 3,760 |
| Core capital (leverage) ratio | 10.2014% | 3,341 |
| Tier 1 risk-based capital ratio | 13.9876% | 4,030 |
| Total risk-based capital ratio | 15.2383% | 3,945 |
| Memoranda: | ||
| Average total assets | $123,079,500 | 4,126 |
| Average earning assets | $116,838,500 | 4,047 |
| Average equity | $12,573,000 | 4,309 |
| Average total loans | $104,077,500 | 3,372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0408% | 712 |
| Cost of funding earning assets | 0.7873% | 695 |
| Net interest margin | 4.2536% | 1,157 |
| Noninterest income to average assets | 0.3641% | 4,487 |
| Noninterest expense to average assets | 2.1783% | 5,392 |
| Loan and lease loss provision to assets | 0.1045% | 2,409 |
| Net operating income to assets | 1.9133% | 384 |
| Return on assets (ROA) | 1.9196% | 396 |
| Pretax return on assets | 2.1069% | 404 |
| Return on Equity (ROE) | 18.9136% | 319 |
| Retained earnings to average equity (ytd only) | 14.0221% | 176 |
| Net charge-offs to loans | 0.0368% | 4,103 |
| Credit loss provision to net charge-offs | 342.8571% | 770 |
| Earnings coverage of net charge-offs (x) | 72.3143% | 691 |
| Efficiency ratio | 49.7019% | 6,108 |
| Assets per employee ($millions) | 6.0923% | 1,321 |
| Cash dividends to net income (ytd only)* | 25.8621% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 4,070 |
| Loan loss allowance to noncurrent loans | 60.0791% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 2.1306% | 1,155 |
| Noncurrent loans to loans | 1.9798% | 1,408 |
| Net loans and leases to total assets | 82.9038% | 439 |
| Net loans and leases to deposits | 99.9802% | 625 |
| Net loans and leases to core deposits | 103.6551% | 1,145 |
| Total domestic deposits to total assets | 82.9202% | 4,107 |
| Equity capital to assets | 10.1136% | 3,971 |
| Core capital (leverage) ratio | 9.9834% | 3,588 |
| Tier 1 risk-based capital ratio | 14.0389% | 4,060 |
| Total risk-based capital ratio | 15.2902% | 3,988 |
| Memoranda: | ||
| Average total assets | $114,813,600 | 4,282 |
| Average earning assets | $108,474,000 | 4,219 |
| Average equity | $11,653,000 | 4,427 |
| Average total loans | $95,100,000 | 3,521 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 685 |
| Cost of funding earning assets | 0.7987% | 690 |
| Net interest margin | 4.2717% | 1,110 |
| Noninterest income to average assets | 0.3750% | 4,431 |
| Noninterest expense to average assets | 1.9978% | 5,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2407% | 219 |
| Return on assets (ROA) | 2.2407% | 226 |
| Pretax return on assets | 2.4141% | 250 |
| Return on Equity (ROE) | 22.0562% | 188 |
| Retained earnings to average equity (ytd only) | 18.7478% | 93 |
| Net charge-offs to loans | 0.0414% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 70.5785% | 774 |
| Efficiency ratio | 45.2820% | 6,316 |
| Assets per employee ($millions) | 6.0210% | 1,323 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,837 |
| Loan loss allowance to noncurrent loans | 112.7943% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.2905% | 2,395 |
| Noncurrent loans to loans | 0.9584% | 3,164 |
| Net loans and leases to total assets | 83.7369% | 349 |
| Net loans and leases to deposits | 103.0916% | 449 |
| Net loans and leases to core deposits | 107.0048% | 900 |
| Total domestic deposits to total assets | 81.2257% | 4,762 |
| Equity capital to assets | 10.2292% | 3,893 |
| Core capital (leverage) ratio | 10.3208% | 3,266 |
| Tier 1 risk-based capital ratio | 13.8873% | 4,294 |
| Total risk-based capital ratio | 15.1373% | 4,242 |
| Memoranda: | ||
| Average total assets | $113,055,500 | 4,356 |
| Average earning assets | $106,841,250 | 4,288 |
| Average equity | $11,485,500 | 4,491 |
| Average total loans | $93,317,250 | 3,600 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 728 |
| Cost of funding earning assets | 0.8083% | 673 |
| Net interest margin | 4.2103% | 1,217 |
| Noninterest income to average assets | 0.3761% | 4,436 |
| Noninterest expense to average assets | 2.0723% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0560% | 300 |
| Return on assets (ROA) | 2.0560% | 316 |
| Pretax return on assets | 2.2694% | 318 |
| Return on Equity (ROE) | 20.2891% | 278 |
| Retained earnings to average equity (ytd only) | 20.2891% | 81 |
| Net charge-offs to loans | 0.0022% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,255.0000% | 43 |
| Efficiency ratio | 47.7301% | 6,303 |
| Assets per employee ($millions) | 6.3629% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 4,499 |
| Loan loss allowance to noncurrent loans | 125.2772% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 2,471 |
| Noncurrent loans to loans | 0.9450% | 3,354 |
| Net loans and leases to total assets | 82.3490% | 438 |
| Net loans and leases to deposits | 96.4662% | 768 |
| Net loans and leases to core deposits | 97.5357% | 1,473 |
| Total domestic deposits to total assets | 85.3657% | 3,339 |
| Equity capital to assets | 10.3386% | 3,638 |
| Core capital (leverage) ratio | 10.4559% | 2,996 |
| Tier 1 risk-based capital ratio | 14.2789% | 4,075 |
| Total risk-based capital ratio | 15.5300% | 4,013 |
| Memoranda: | ||
| Average total assets | $110,600,670 | 4,436 |
| Average earning assets | $104,174,330 | 4,359 |
| Average equity | $11,208,000 | 4,553 |
| Average total loans | $90,443,670 | 3,669 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 787 |
| Cost of funding earning assets | 0.8240% | 655 |
| Net interest margin | 4.1279% | 1,398 |
| Noninterest income to average assets | 0.3314% | 4,724 |
| Noninterest expense to average assets | 2.0656% | 5,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8079% | 478 |
| Return on assets (ROA) | 1.8079% | 499 |
| Pretax return on assets | 2.1393% | 396 |
| Return on Equity (ROE) | 18.0324% | 438 |
| Retained earnings to average equity (ytd only) | 18.0324% | 179 |
| Net charge-offs to loans | 0.0045% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 61 |
| Efficiency ratio | 49.1243% | 6,308 |
| Assets per employee ($millions) | 5.7892% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,300 |
| Loan loss allowance to noncurrent loans | 114.3725% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 2,459 |
| Noncurrent loans to loans | 1.1073% | 3,210 |
| Net loans and leases to total assets | 80.0935% | 541 |
| Net loans and leases to deposits | 92.7162% | 900 |
| Net loans and leases to core deposits | 94.2769% | 1,525 |
| Total domestic deposits to total assets | 86.3856% | 3,166 |
| Equity capital to assets | 10.1415% | 3,671 |
| Core capital (leverage) ratio | 10.2459% | 3,222 |
| Tier 1 risk-based capital ratio | 14.4113% | 4,054 |
| Total risk-based capital ratio | 15.6642% | 4,015 |
| Memoranda: | ||
| Average total assets | $108,635,000 | 4,518 |
| Average earning assets | $101,940,500 | 4,454 |
| Average equity | $10,891,500 | 4,645 |
| Average total loans | $87,942,500 | 3,752 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1679% | 688 |
| Cost of funding earning assets | 0.9563% | 562 |
| Net interest margin | 4.2116% | 1,319 |
| Noninterest income to average assets | 0.3481% | 4,828 |
| Noninterest expense to average assets | 2.0994% | 5,833 |
| Loan and lease loss provision to assets | 0.0500% | 4,136 |
| Net operating income to assets | 1.7497% | 530 |
| Return on assets (ROA) | 1.7465% | 548 |
| Pretax return on assets | 2.0831% | 404 |
| Return on Equity (ROE) | 17.5323% | 451 |
| Retained earnings to average equity (ytd only) | 11.7397% | 339 |
| Net charge-offs to loans | 0.2742% | 2,328 |
| Credit loss provision to net charge-offs | 23.5294% | 4,380 |
| Earnings coverage of net charge-offs (x) | 10.0543% | 2,427 |
| Efficiency ratio | 49.5573% | 6,416 |
| Assets per employee ($millions) | 5.6461% | 1,519 |
| Cash dividends to net income (ytd only)* | 33.0396% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 4,126 |
| Loan loss allowance to noncurrent loans | 119.4503% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.4924% | 2,489 |
| Noncurrent loans to loans | 1.0917% | 3,350 |
| Net loans and leases to total assets | 79.7261% | 623 |
| Net loans and leases to deposits | 92.8027% | 977 |
| Net loans and leases to core deposits | 94.1502% | 1,590 |
| Total domestic deposits to total assets | 85.9092% | 3,307 |
| Equity capital to assets | 9.9072% | 3,892 |
| Core capital (leverage) ratio | 9.7264% | 3,951 |
| Tier 1 risk-based capital ratio | 14.1518% | 4,189 |
| Total risk-based capital ratio | 15.4047% | 4,138 |
| Memoranda: | ||
| Average total assets | $103,979,800 | 4,648 |
| Average earning assets | $95,997,000 | 4,617 |
| Average equity | $10,358,000 | 4,774 |
| Average total loans | $80,609,800 | 3,920 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1587% | 701 |
| Cost of funding earning assets | 0.9634% | 596 |
| Net interest margin | 4.1953% | 1,347 |
| Noninterest income to average assets | 0.3503% | 4,887 |
| Noninterest expense to average assets | 1.9543% | 6,089 |
| Loan and lease loss provision to assets | 0.0672% | 3,711 |
| Net operating income to assets | 2.1158% | 300 |
| Return on assets (ROA) | 2.1158% | 310 |
| Pretax return on assets | 2.1843% | 402 |
| Return on Equity (ROE) | 21.2100% | 237 |
| Retained earnings to average equity (ytd only) | 21.2100% | 70 |
| Net charge-offs to loans | 0.3489% | 1,805 |
| Credit loss provision to net charge-offs | 25.1208% | 3,977 |
| Earnings coverage of net charge-offs (x) | 8.4156% | 2,626 |
| Efficiency ratio | 46.4659% | 6,569 |
| Assets per employee ($millions) | 5.6454% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,095 |
| Loan loss allowance to noncurrent loans | 104.8535% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 1.6073% | 2,539 |
| Noncurrent loans to loans | 1.2945% | 3,243 |
| Net loans and leases to total assets | 77.5755% | 800 |
| Net loans and leases to deposits | 90.9646% | 1,069 |
| Net loans and leases to core deposits | 93.0999% | 1,657 |
| Total domestic deposits to total assets | 85.2809% | 3,593 |
| Equity capital to assets | 10.3140% | 3,487 |
| Core capital (leverage) ratio | 10.3568% | 3,158 |
| Tier 1 risk-based capital ratio | 14.9118% | 3,809 |
| Total risk-based capital ratio | 16.1485% | 3,768 |
| Memoranda: | ||
| Average total assets | $103,155,750 | 4,713 |
| Average earning assets | $94,802,000 | 4,696 |
| Average equity | $10,290,500 | 4,833 |
| Average total loans | $79,098,000 | 4,001 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1352% | 717 |
| Cost of funding earning assets | 0.9723% | 634 |
| Net interest margin | 4.1629% | 1,369 |
| Noninterest income to average assets | 0.3497% | 4,892 |
| Noninterest expense to average assets | 2.0042% | 6,039 |
| Loan and lease loss provision to assets | 0.1022% | 3,088 |
| Net operating income to assets | 2.0278% | 343 |
| Return on assets (ROA) | 2.0278% | 363 |
| Pretax return on assets | 2.0710% | 525 |
| Return on Equity (ROE) | 20.5721% | 270 |
| Retained earnings to average equity (ytd only) | 20.5721% | 81 |
| Net charge-offs to loans | 0.0853% | 3,511 |
| Credit loss provision to net charge-offs | 157.5758% | 1,469 |
| Earnings coverage of net charge-offs (x) | 33.5152% | 1,058 |
| Efficiency ratio | 47.9774% | 6,537 |
| Assets per employee ($millions) | 5.8384% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6523% | 2,972 |
| Loan loss allowance to noncurrent loans | 107.4980% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.7689% | 2,462 |
| Noncurrent loans to loans | 1.5371% | 2,998 |
| Net loans and leases to total assets | 74.7048% | 1,146 |
| Net loans and leases to deposits | 87.1662% | 1,444 |
| Net loans and leases to core deposits | 88.4807% | 2,061 |
| Total domestic deposits to total assets | 85.7038% | 3,526 |
| Equity capital to assets | 9.9266% | 4,006 |
| Core capital (leverage) ratio | 9.9895% | 3,543 |
| Tier 1 risk-based capital ratio | 14.8851% | 3,856 |
| Total risk-based capital ratio | 16.1429% | 3,817 |
| Memoranda: | ||
| Average total assets | $101,787,000 | 4,772 |
| Average earning assets | $93,589,330 | 4,765 |
| Average equity | $10,033,000 | 4,927 |
| Average total loans | $77,346,000 | 4,062 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 784 |
| Cost of funding earning assets | 0.9854% | 664 |
| Net interest margin | 4.0891% | 1,491 |
| Noninterest income to average assets | 0.3355% | 5,013 |
| Noninterest expense to average assets | 2.1171% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9813% | 351 |
| Return on assets (ROA) | 1.9813% | 380 |
| Pretax return on assets | 1.9813% | 609 |
| Return on Equity (ROE) | 20.1759% | 283 |
| Retained earnings to average equity (ytd only) | 20.1759% | 135 |
| Net charge-offs to loans | 0.0736% | 3,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 35.4286% | 868 |
| Efficiency ratio | 51.6569% | 6,401 |
| Assets per employee ($millions) | 5.7398% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6826% | 3,081 |
| Loan loss allowance to noncurrent loans | 155.3140% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 1.4189% | 3,140 |
| Noncurrent loans to loans | 1.0834% | 3,983 |
| Net loans and leases to total assets | 72.7303% | 1,241 |
| Net loans and leases to deposits | 84.8535% | 1,492 |
| Net loans and leases to core deposits | 86.1552% | 2,090 |
| Total domestic deposits to total assets | 85.7128% | 3,674 |
| Equity capital to assets | 9.7497% | 4,502 |
| Core capital (leverage) ratio | 9.9631% | 3,434 |
| Tier 1 risk-based capital ratio | 14.6094% | 4,102 |
| Total risk-based capital ratio | 15.8682% | 4,057 |
| Memoranda: | ||
| Average total assets | $100,135,000 | 4,865 |
| Average earning assets | $92,146,500 | 4,839 |
| Average equity | $9,833,500 | 5,029 |
| Average total loans | $76,105,500 | 4,132 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 565 |
| Cost of funding earning assets | 1.1687% | 667 |
| Net interest margin | 4.3842% | 1,195 |
| Noninterest income to average assets | 0.3188% | 5,175 |
| Noninterest expense to average assets | 2.1726% | 5,982 |
| Loan and lease loss provision to assets | 0.3114% | 2,198 |
| Net operating income to assets | 1.2425% | 1,469 |
| Return on assets (ROA) | 1.2425% | 1,632 |
| Pretax return on assets | 1.8485% | 831 |
| Return on Equity (ROE) | 12.9303% | 1,245 |
| Retained earnings to average equity (ytd only) | 10.6858% | 478 |
| Net charge-offs to loans | 0.1798% | 3,935 |
| Credit loss provision to net charge-offs | 224.2424% | 1,116 |
| Earnings coverage of net charge-offs (x) | 15.5530% | 1,643 |
| Efficiency ratio | 50.1457% | 6,583 |
| Assets per employee ($millions) | 5.1028% | 2,096 |
| Cash dividends to net income (ytd only)* | 17.3582% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 2,880 |
| Loan loss allowance to noncurrent loans | 211.3821% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 3,489 |
| Noncurrent loans to loans | 0.8115% | 4,561 |
| Net loans and leases to total assets | 76.8230% | 815 |
| Net loans and leases to deposits | 89.9716% | 1,076 |
| Net loans and leases to core deposits | 91.1297% | 1,709 |
| Total domestic deposits to total assets | 85.3859% | 3,667 |
| Equity capital to assets | 9.8954% | 4,319 |
| Core capital (leverage) ratio | 9.5340% | 4,061 |
| Tier 1 risk-based capital ratio | 14.3413% | 4,134 |
| Total risk-based capital ratio | 15.6012% | 4,087 |
| Memoranda: | ||
| Average total assets | $95,048,600 | 4,964 |
| Average earning assets | $87,016,400 | 4,938 |
| Average equity | $9,133,600 | 5,190 |
| Average total loans | $73,396,200 | 4,229 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 615 |
| Cost of funding earning assets | 1.1838% | 743 |
| Net interest margin | 4.3674% | 1,300 |
| Noninterest income to average assets | 0.2961% | 5,405 |
| Noninterest expense to average assets | 2.0851% | 6,195 |
| Loan and lease loss provision to assets | 0.4173% | 1,537 |
| Net operating income to assets | 1.1814% | 1,802 |
| Return on assets (ROA) | 1.1814% | 1,987 |
| Pretax return on assets | 1.7933% | 1,064 |
| Return on Equity (ROE) | 12.3891% | 1,501 |
| Retained earnings to average equity (ytd only) | 11.8863% | 546 |
| Net charge-offs to loans | -0.0476% | 6,693 |
| Credit loss provision to net charge-offs | -1,138.4615% | 6,556 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5395% | 6,687 |
| Assets per employee ($millions) | 5.0752% | 2,084 |
| Cash dividends to net income (ytd only)* | 4.0571% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 2,375 |
| Loan loss allowance to noncurrent loans | 108.2405% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.5255% | 3,291 |
| Noncurrent loans to loans | 1.7871% | 3,093 |
| Net loans and leases to total assets | 76.6533% | 881 |
| Net loans and leases to deposits | 91.9685% | 979 |
| Net loans and leases to core deposits | 93.1977% | 1,664 |
| Total domestic deposits to total assets | 83.3473% | 4,503 |
| Equity capital to assets | 9.8072% | 4,770 |
| Core capital (leverage) ratio | 9.5095% | 4,255 |
| Tier 1 risk-based capital ratio | 13.9563% | 4,563 |
| Total risk-based capital ratio | 15.2177% | 4,502 |
| Memoranda: | ||
| Average total assets | $94,572,250 | 5,025 |
| Average earning assets | $86,609,250 | 4,995 |
| Average equity | $9,018,500 | 5,262 |
| Average total loans | $72,799,500 | 4,301 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5796% | 602 |
| Cost of funding earning assets | 1.2028% | 806 |
| Net interest margin | 4.3768% | 1,264 |
| Noninterest income to average assets | 0.2916% | 5,469 |
| Noninterest expense to average assets | 2.1521% | 6,117 |
| Loan and lease loss provision to assets | 0.2044% | 3,026 |
| Net operating income to assets | 1.3155% | 1,400 |
| Return on assets (ROA) | 1.3155% | 1,551 |
| Pretax return on assets | 1.9244% | 813 |
| Return on Equity (ROE) | 13.9310% | 1,140 |
| Retained earnings to average equity (ytd only) | 13.1645% | 421 |
| Net charge-offs to loans | -0.0556% | 6,692 |
| Credit loss provision to net charge-offs | -480.0000% | 6,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2735% | 6,627 |
| Assets per employee ($millions) | 5.0192% | 2,162 |
| Cash dividends to net income (ytd only)* | 5.5016% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 3,223 |
| Loan loss allowance to noncurrent loans | 88.0450% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 3,199 |
| Noncurrent loans to loans | 1.9324% | 3,023 |
| Net loans and leases to total assets | 75.8536% | 985 |
| Net loans and leases to deposits | 90.9099% | 1,056 |
| Net loans and leases to core deposits | 92.1385% | 1,767 |
| Total domestic deposits to total assets | 83.4382% | 4,557 |
| Equity capital to assets | 9.6651% | 4,801 |
| Core capital (leverage) ratio | 9.4111% | 4,282 |
| Tier 1 risk-based capital ratio | 13.9190% | 4,506 |
| Total risk-based capital ratio | 15.1783% | 4,474 |
| Memoranda: | ||
| Average total assets | $93,953,330 | 5,069 |
| Average earning assets | $85,634,000 | 5,058 |
| Average equity | $8,872,330 | 5,299 |
| Average total loans | $71,941,330 | 4,355 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6535% | 566 |
| Cost of funding earning assets | 1.2422% | 803 |
| Net interest margin | 4.4113% | 1,203 |
| Noninterest income to average assets | 0.2702% | 5,716 |
| Noninterest expense to average assets | 2.3293% | 5,689 |
| Loan and lease loss provision to assets | 0.4118% | 1,529 |
| Net operating income to assets | 1.0638% | 2,233 |
| Return on assets (ROA) | 1.0638% | 2,427 |
| Pretax return on assets | 1.5357% | 1,779 |
| Return on Equity (ROE) | 11.4023% | 1,868 |
| Retained earnings to average equity (ytd only) | 9.8391% | 1,307 |
| Net charge-offs to loans | -0.0056% | 5,813 |
| Credit loss provision to net charge-offs | -9,600.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4634% | 6,300 |
| Assets per employee ($millions) | 4.9352% | 2,337 |
| Cash dividends to net income (ytd only)* | 13.7097% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 3,240 |
| Loan loss allowance to noncurrent loans | 70.1365% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.0508% | 2,823 |
| Noncurrent loans to loans | 2.4626% | 2,646 |
| Net loans and leases to total assets | 74.8176% | 947 |
| Net loans and leases to deposits | 89.8640% | 978 |
| Net loans and leases to core deposits | 91.0974% | 1,736 |
| Total domestic deposits to total assets | 83.2565% | 4,830 |
| Equity capital to assets | 9.3913% | 4,975 |
| Core capital (leverage) ratio | 9.3077% | 4,355 |
| Tier 1 risk-based capital ratio | 13.6278% | 4,732 |
| Total risk-based capital ratio | 14.8870% | 4,709 |
| Memoranda: | ||
| Average total assets | $93,248,000 | 5,119 |
| Average earning assets | $84,691,000 | 5,121 |
| Average equity | $8,700,000 | 5,363 |
| Average total loans | $71,117,500 | 4,412 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 486 |
| Cost of funding earning assets | 1.3522% | 1,229 |
| Net interest margin | 4.5795% | 960 |
| Noninterest income to average assets | 0.0022% | 6,976 |
| Noninterest expense to average assets | 2.3159% | 6,003 |
| Loan and lease loss provision to assets | 0.2362% | 3,844 |
| Net operating income to assets | 1.1417% | 1,690 |
| Return on assets (ROA) | 1.1417% | 1,807 |
| Pretax return on assets | 1.6557% | 1,091 |
| Return on Equity (ROE) | 13.5067% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.5067% | 195 |
| Net charge-offs to loans | 0.0694% | 5,615 |
| Credit loss provision to net charge-offs | 437.5000% | 519 |
| Earnings coverage of net charge-offs (x) | 35.0417% | 745 |
| Efficiency ratio | 55.0388% | 6,416 |
| Assets per employee ($millions) | 4.6364% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,571 |
| Loan loss allowance to noncurrent loans | 232.7869% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 4,947 |
| Noncurrent loans to loans | 0.6888% | 5,324 |
| Net loans and leases to total assets | 75.1779% | 1,064 |
| Net loans and leases to deposits | 91.0612% | 1,044 |
| Net loans and leases to core deposits | 92.3312% | 1,856 |
| Total domestic deposits to total assets | 82.5576% | 4,946 |
| Equity capital to assets | 9.2680% | 5,189 |
| Core capital (leverage) ratio | 9.1183% | 4,586 |
| Tier 1 risk-based capital ratio | 13.3503% | 4,805 |
| Total risk-based capital ratio | 14.5994% | 4,778 |
| Memoranda: | ||
| Average total assets | $88,906,200 | 5,211 |
| Average earning assets | $81,646,400 | 5,180 |
| Average equity | $7,514,800 | 5,714 |
| Average total loans | $69,134,600 | 4,528 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9325% | 528 |
| Cost of funding earning assets | 1.3576% | 1,429 |
| Net interest margin | 4.5749% | 997 |
| Noninterest income to average assets | 0.2683% | 5,696 |
| Noninterest expense to average assets | 2.3088% | 6,006 |
| Loan and lease loss provision to assets | 0.2471% | 3,534 |
| Net operating income to assets | 1.3113% | 1,346 |
| Return on assets (ROA) | 1.3113% | 1,434 |
| Pretax return on assets | 1.9268% | 735 |
| Return on Equity (ROE) | 15.9186% | 694 |
| Retained earnings to average equity (ytd only) | 15.9186% | 184 |
| Net charge-offs to loans | 0.1455% | 4,609 |
| Credit loss provision to net charge-offs | 217.3333% | 1,313 |
| Earnings coverage of net charge-offs (x) | 19.1195% | 1,272 |
| Efficiency ratio | 51.5049% | 6,723 |
| Assets per employee ($millions) | 4.4954% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 4,158 |
| Loan loss allowance to noncurrent loans | 164.1422% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.6817% | 3,564 |
| Noncurrent loans to loans | 0.9073% | 5,051 |
| Net loans and leases to total assets | 78.1363% | 693 |
| Net loans and leases to deposits | 95.1523% | 748 |
| Net loans and leases to core deposits | 96.8658% | 1,521 |
| Total domestic deposits to total assets | 82.1171% | 5,048 |
| Equity capital to assets | 9.2295% | 5,468 |
| Core capital (leverage) ratio | 9.2633% | 4,523 |
| Tier 1 risk-based capital ratio | 13.0354% | 5,075 |
| Total risk-based capital ratio | 14.2966% | 5,032 |
| Memoranda: | ||
| Average total assets | $87,950,750 | 5,274 |
| Average earning assets | $81,020,250 | 5,239 |
| Average equity | $7,245,000 | 5,830 |
| Average total loans | $68,706,500 | 4,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8871% | 596 |
| Cost of funding earning assets | 1.3641% | 1,578 |
| Net interest margin | 4.5230% | 1,078 |
| Noninterest income to average assets | 0.1947% | 6,274 |
| Noninterest expense to average assets | 2.3643% | 5,949 |
| Loan and lease loss provision to assets | 0.3001% | 3,003 |
| Net operating income to assets | 1.1913% | 1,600 |
| Return on assets (ROA) | 1.1913% | 1,689 |
| Pretax return on assets | 1.7159% | 1,021 |
| Return on Equity (ROE) | 15.0856% | 791 |
| Retained earnings to average equity (ytd only) | 15.0856% | 245 |
| Net charge-offs to loans | 0.1327% | 4,418 |
| Credit loss provision to net charge-offs | 291.1111% | 1,050 |
| Earnings coverage of net charge-offs (x) | 19.5556% | 1,211 |
| Efficiency ratio | 53.9749% | 6,624 |
| Assets per employee ($millions) | 4.4788% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5193% | 4,040 |
| Loan loss allowance to noncurrent loans | 149.9293% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 1.7550% | 3,567 |
| Noncurrent loans to loans | 1.0134% | 4,968 |
| Net loans and leases to total assets | 76.7044% | 966 |
| Net loans and leases to deposits | 92.6121% | 987 |
| Net loans and leases to core deposits | 94.2910% | 1,863 |
| Total domestic deposits to total assets | 82.8233% | 4,839 |
| Equity capital to assets | 8.5950% | 6,064 |
| Core capital (leverage) ratio | 8.7686% | 5,093 |
| Tier 1 risk-based capital ratio | 12.5814% | 5,264 |
| Total risk-based capital ratio | 13.8383% | 5,232 |
| Memoranda: | ||
| Average total assets | $87,298,670 | 5,333 |
| Average earning assets | $80,787,330 | 5,295 |
| Average equity | $6,894,000 | 5,951 |
| Average total loans | $67,838,000 | 4,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8714% | 640 |
| Cost of funding earning assets | 1.3806% | 1,710 |
| Net interest margin | 4.4908% | 1,089 |
| Noninterest income to average assets | 0.3250% | 5,318 |
| Noninterest expense to average assets | 2.3816% | 5,945 |
| Loan and lease loss provision to assets | 0.4225% | 2,078 |
| Net operating income to assets | 1.1653% | 1,607 |
| Return on assets (ROA) | 1.1653% | 1,664 |
| Pretax return on assets | 1.7038% | 975 |
| Return on Equity (ROE) | 15.4664% | 747 |
| Retained earnings to average equity (ytd only) | 15.4664% | 349 |
| Net charge-offs to loans | 0.0598% | 4,331 |
| Credit loss provision to net charge-offs | 910.0000% | 412 |
| Earnings coverage of net charge-offs (x) | 45.8000% | 616 |
| Efficiency ratio | 52.8321% | 6,794 |
| Assets per employee ($millions) | 4.5912% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,918 |
| Loan loss allowance to noncurrent loans | 186.8794% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 1.6450% | 3,785 |
| Noncurrent loans to loans | 0.8346% | 5,367 |
| Net loans and leases to total assets | 76.2578% | 997 |
| Net loans and leases to deposits | 91.3086% | 1,082 |
| Net loans and leases to core deposits | 92.9883% | 2,011 |
| Total domestic deposits to total assets | 83.5166% | 4,696 |
| Equity capital to assets | 7.5361% | 6,853 |
| Core capital (leverage) ratio | 7.7366% | 6,523 |
| Tier 1 risk-based capital ratio | 11.1693% | 6,379 |
| Total risk-based capital ratio | 12.4256% | 6,345 |
| Memoranda: | ||
| Average total assets | $86,160,500 | 5,402 |
| Average earning assets | $80,253,000 | 5,351 |
| Average equity | $6,491,500 | 6,097 |
| Average total loans | $66,873,000 | 4,738 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9775% | 884 |
| Cost of funding earning assets | 1.6643% | 1,755 |
| Net interest margin | 4.3133% | 1,779 |
| Noninterest income to average assets | 0.3244% | 5,463 |
| Noninterest expense to average assets | 2.3113% | 6,323 |
| Loan and lease loss provision to assets | 0.4635% | 3,348 |
| Net operating income to assets | 1.1022% | 1,700 |
| Return on assets (ROA) | 1.1014% | 1,774 |
| Pretax return on assets | 1.5819% | 1,171 |
| Return on Equity (ROE) | 15.3004% | 677 |
| Retained earnings to average equity (ytd only) | 15.3004% | 113 |
| Net charge-offs to loans | 0.2327% | 4,887 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 11.0395% | 1,641 |
| Efficiency ratio | 53.0367% | 6,890 |
| Assets per employee ($millions) | 4.4783% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 4,173 |
| Loan loss allowance to noncurrent loans | 269.8061% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 1.6559% | 3,815 |
| Noncurrent loans to loans | 0.5456% | 5,959 |
| Net loans and leases to total assets | 76.6219% | 1,154 |
| Net loans and leases to deposits | 92.2907% | 1,239 |
| Net loans and leases to core deposits | 94.7286% | 2,167 |
| Total domestic deposits to total assets | 83.0223% | 4,789 |
| Equity capital to assets | 7.5322% | 6,868 |
| Core capital (leverage) ratio | 7.3027% | 6,840 |
| Tier 1 risk-based capital ratio | 10.9249% | 6,388 |
| Total risk-based capital ratio | 12.1815% | 6,353 |
| Memoranda: | ||
| Average total assets | $81,990,000 | 5,533 |
| Average earning assets | $76,670,400 | 5,456 |
| Average equity | $5,901,800 | 6,397 |
| Average total loans | $65,307,200 | 4,854 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 968 |
| Cost of funding earning assets | 1.6945% | 1,908 |
| Net interest margin | 4.2897% | 1,878 |
| Noninterest income to average assets | 0.3283% | 5,529 |
| Noninterest expense to average assets | 2.3066% | 6,306 |
| Loan and lease loss provision to assets | 0.5253% | 2,832 |
| Net operating income to assets | 0.9959% | 2,243 |
| Return on assets (ROA) | 0.9949% | 2,366 |
| Pretax return on assets | 1.5054% | 1,600 |
| Return on Equity (ROE) | 13.9910% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.9910% | 276 |
| Net charge-offs to loans | 0.1352% | 5,215 |
| Credit loss provision to net charge-offs | 484.8485% | 607 |
| Earnings coverage of net charge-offs (x) | 18.7572% | 1,237 |
| Efficiency ratio | 53.1593% | 6,877 |
| Assets per employee ($millions) | 5.3469% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 3,950 |
| Loan loss allowance to noncurrent loans | 163.3987% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.8381% | 5,416 |
| Noncurrent loans to loans | 0.9188% | 5,405 |
| Net loans and leases to total assets | 76.6888% | 1,281 |
| Net loans and leases to deposits | 93.1680% | 1,310 |
| Net loans and leases to core deposits | 95.6580% | 2,300 |
| Total domestic deposits to total assets | 82.3123% | 4,869 |
| Equity capital to assets | 7.0893% | 7,310 |
| Core capital (leverage) ratio | 7.1088% | 7,108 |
| Tier 1 risk-based capital ratio | 10.5023% | 6,777 |
| Total risk-based capital ratio | 11.7590% | 6,760 |
| Memoranda: | ||
| Average total assets | $81,215,500 | 5,628 |
| Average earning assets | $75,931,500 | 5,548 |
| Average equity | $5,775,000 | 6,520 |
| Average total loans | $65,091,500 | 4,939 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9600% | 1,039 |
| Cost of funding earning assets | 1.6902% | 2,166 |
| Net interest margin | 4.2698% | 1,892 |
| Noninterest income to average assets | 0.3560% | 5,299 |
| Noninterest expense to average assets | 2.4245% | 5,996 |
| Loan and lease loss provision to assets | 0.3009% | 3,987 |
| Net operating income to assets | 1.1149% | 1,801 |
| Return on assets (ROA) | 1.1132% | 1,878 |
| Pretax return on assets | 1.6247% | 1,232 |
| Return on Equity (ROE) | 15.6384% | 749 |
| Retained earnings to average equity (ytd only) | 15.6384% | 208 |
| Net charge-offs to loans | 0.0991% | 5,156 |
| Credit loss provision to net charge-offs | 375.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 24.0313% | 1,090 |
| Efficiency ratio | 55.7028% | 6,676 |
| Assets per employee ($millions) | 4.6756% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 5,243 |
| Loan loss allowance to noncurrent loans | 121.7518% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 5,390 |
| Noncurrent loans to loans | 1.0180% | 5,272 |
| Net loans and leases to total assets | 78.9629% | 963 |
| Net loans and leases to deposits | 94.3803% | 1,224 |
| Net loans and leases to core deposits | 94.3803% | 2,658 |
| Total domestic deposits to total assets | 83.6646% | 4,259 |
| Equity capital to assets | 7.0127% | 7,346 |
| Core capital (leverage) ratio | 7.1927% | 7,073 |
| Tier 1 risk-based capital ratio | 10.1985% | 6,917 |
| Total risk-based capital ratio | 11.4507% | 6,884 |
| Memoranda: | ||
| Average total assets | $79,770,330 | 5,708 |
| Average earning assets | $74,664,670 | 5,620 |
| Average equity | $5,678,330 | 6,567 |
| Average total loans | $64,586,000 | 4,997 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 860 |
| Cost of funding earning assets | 1.6618% | 2,588 |
| Net interest margin | 4.3982% | 1,396 |
| Noninterest income to average assets | 0.3713% | 5,177 |
| Noninterest expense to average assets | 2.5678% | 5,485 |
| Loan and lease loss provision to assets | 0.3816% | 3,074 |
| Net operating income to assets | 1.0261% | 2,087 |
| Return on assets (ROA) | 1.0261% | 2,147 |
| Pretax return on assets | 1.5160% | 1,477 |
| Return on Equity (ROE) | 14.2998% | 996 |
| Retained earnings to average equity (ytd only) | 14.2998% | 473 |
| Net charge-offs to loans | 0.1328% | 4,161 |
| Credit loss provision to net charge-offs | 352.3810% | 1,149 |
| Earnings coverage of net charge-offs (x) | 17.5238% | 1,278 |
| Efficiency ratio | 57.5058% | 6,563 |
| Assets per employee ($millions) | 4.5899% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2414% | 5,274 |
| Loan loss allowance to noncurrent loans | 90.7955% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 4,682 |
| Noncurrent loans to loans | 1.3672% | 4,691 |
| Net loans and leases to total assets | 81.4646% | 653 |
| Net loans and leases to deposits | 102.9226% | 593 |
| Net loans and leases to core deposits | 106.4936% | 1,537 |
| Total domestic deposits to total assets | 79.1513% | 6,041 |
| Equity capital to assets | 7.2576% | 7,242 |
| Core capital (leverage) ratio | 7.3585% | 6,980 |
| Tier 1 risk-based capital ratio | 10.1853% | 6,897 |
| Total risk-based capital ratio | 11.4377% | 6,882 |
| Memoranda: | ||
| Average total assets | $77,575,000 | 5,833 |
| Average earning assets | $72,211,500 | 5,769 |
| Average equity | $5,566,500 | 6,654 |
| Average total loans | $63,234,000 | 5,128 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2033% | 1,231 |
| Cost of funding earning assets | 2.0614% | 2,672 |
| Net interest margin | 4.1420% | 2,275 |
| Noninterest income to average assets | 0.4101% | 5,122 |
| Noninterest expense to average assets | 2.4261% | 6,386 |
| Loan and lease loss provision to assets | 0.5938% | 3,422 |
| Net operating income to assets | 0.9072% | 2,153 |
| Return on assets (ROA) | 0.9072% | 2,212 |
| Pretax return on assets | 1.2607% | 1,808 |
| Return on Equity (ROE) | 12.6751% | 1,030 |
| Retained earnings to average equity (ytd only) | 11.4790% | 249 |
| Net charge-offs to loans | 0.1607% | 5,666 |
| Credit loss provision to net charge-offs | 472.5275% | 651 |
| Earnings coverage of net charge-offs (x) | 14.7582% | 1,352 |
| Efficiency ratio | 56.6774% | 6,937 |
| Assets per employee ($millions) | 4.5365% | 2,866 |
| Cash dividends to net income (ytd only)* | 9.4368% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,352 |
| Loan loss allowance to noncurrent loans | 79.5309% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 4,663 |
| Noncurrent loans to loans | 1.5104% | 4,396 |
| Net loans and leases to total assets | 79.5594% | 1,077 |
| Net loans and leases to deposits | 99.9495% | 909 |
| Net loans and leases to core deposits | 118.3196% | 2,092 |
| Total domestic deposits to total assets | 79.5996% | 5,816 |
| Equity capital to assets | 7.0928% | 7,329 |
| Core capital (leverage) ratio | 7.1484% | 7,113 |
| Tier 1 risk-based capital ratio | 10.1553% | 6,732 |
| Total risk-based capital ratio | 11.4068% | 6,700 |
| Memoranda: | ||
| Average total assets | $72,419,600 | 5,930 |
| Average earning assets | $67,673,200 | 5,882 |
| Average equity | $5,183,400 | 6,877 |
| Average total loans | $56,643,200 | 5,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1443% | 1,510 |
| Cost of funding earning assets | 2.1426% | 2,700 |
| Net interest margin | 4.0017% | 2,815 |
| Noninterest income to average assets | 0.3406% | 5,765 |
| Noninterest expense to average assets | 2.2289% | 6,897 |
| Loan and lease loss provision to assets | 0.7243% | 2,567 |
| Net operating income to assets | 0.8178% | 2,734 |
| Return on assets (ROA) | 0.8178% | 2,800 |
| Pretax return on assets | 1.1378% | 2,452 |
| Return on Equity (ROE) | 11.3982% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.3982% | 426 |
| Net charge-offs to loans | 0.1881% | 4,891 |
| Credit loss provision to net charge-offs | 496.1538% | 800 |
| Earnings coverage of net charge-offs (x) | 12.7561% | 1,731 |
| Efficiency ratio | 54.4831% | 7,181 |
| Assets per employee ($millions) | 4.4188% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,288 |
| Loan loss allowance to noncurrent loans | 112.4019% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 4,956 |
| Noncurrent loans to loans | 1.0425% | 5,230 |
| Net loans and leases to total assets | 80.3887% | 1,111 |
| Net loans and leases to deposits | 103.4768% | 812 |
| Net loans and leases to core deposits | 120.0724% | 2,239 |
| Total domestic deposits to total assets | 77.6877% | 6,174 |
| Equity capital to assets | 7.0767% | 7,560 |
| Core capital (leverage) ratio | 7.0755% | 7,380 |
| Tier 1 risk-based capital ratio | 10.0025% | 6,982 |
| Total risk-based capital ratio | 11.2530% | 6,930 |
| Memoranda: | ||
| Average total assets | $71,244,250 | 6,001 |
| Average earning assets | $66,770,500 | 5,945 |
| Average equity | $5,111,750 | 6,963 |
| Average total loans | $55,278,250 | 5,497 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 1,894 |
| Cost of funding earning assets | 2.2613% | 2,522 |
| Net interest margin | 3.8115% | 3,508 |
| Noninterest income to average assets | 0.3431% | 5,768 |
| Noninterest expense to average assets | 2.3101% | 6,731 |
| Loan and lease loss provision to assets | 0.3202% | 4,022 |
| Net operating income to assets | 0.9149% | 2,397 |
| Return on assets (ROA) | 0.9149% | 2,494 |
| Pretax return on assets | 1.2837% | 2,072 |
| Return on Equity (ROE) | 12.6892% | 1,244 |
| Retained earnings to average equity (ytd only) | 12.6892% | 359 |
| Net charge-offs to loans | 0.1800% | 4,449 |
| Credit loss provision to net charge-offs | 233.3333% | 1,984 |
| Earnings coverage of net charge-offs (x) | 11.6875% | 1,880 |
| Efficiency ratio | 59.0212% | 6,690 |
| Assets per employee ($millions) | 4.4610% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 7,098 |
| Loan loss allowance to noncurrent loans | 64.1689% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9679% | 5,042 |
| Noncurrent loans to loans | 1.2739% | 4,653 |
| Net loans and leases to total assets | 75.3577% | 2,355 |
| Net loans and leases to deposits | 91.0756% | 2,637 |
| Net loans and leases to core deposits | 107.7632% | 3,636 |
| Total domestic deposits to total assets | 82.7419% | 4,362 |
| Equity capital to assets | 6.8555% | 7,684 |
| Core capital (leverage) ratio | 7.0021% | 7,537 |
| Tier 1 risk-based capital ratio | 10.1919% | 6,727 |
| Total risk-based capital ratio | 11.1190% | 7,002 |
| Memoranda: | ||
| Average total assets | $69,952,330 | 6,083 |
| Average earning assets | $65,537,670 | 6,023 |
| Average equity | $5,043,670 | 7,044 |
| Average total loans | $53,336,330 | 5,625 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2163% | 1,547 |
| Cost of funding earning assets | 2.3415% | 2,541 |
| Net interest margin | 3.8747% | 3,166 |
| Noninterest income to average assets | 0.3402% | 5,735 |
| Noninterest expense to average assets | 2.3161% | 6,485 |
| Loan and lease loss provision to assets | 0.1134% | 5,513 |
| Net operating income to assets | 1.0685% | 2,073 |
| Return on assets (ROA) | 1.0685% | 2,204 |
| Pretax return on assets | 1.5162% | 1,623 |
| Return on Equity (ROE) | 14.4180% | 1,087 |
| Retained earnings to average equity (ytd only) | 14.4180% | 478 |
| Net charge-offs to loans | 0.1485% | 3,773 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 14.3684% | 1,673 |
| Efficiency ratio | 58.6989% | 6,590 |
| Assets per employee ($millions) | 4.1616% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 7,258 |
| Loan loss allowance to noncurrent loans | 71.5290% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 4,599 |
| Noncurrent loans to loans | 1.0735% | 4,834 |
| Net loans and leases to total assets | 74.3456% | 2,665 |
| Net loans and leases to deposits | 89.6949% | 2,977 |
| Net loans and leases to core deposits | 108.3133% | 3,637 |
| Total domestic deposits to total assets | 82.8871% | 4,200 |
| Equity capital to assets | 7.1408% | 7,605 |
| Core capital (leverage) ratio | 7.5293% | 7,123 |
| Tier 1 risk-based capital ratio | 10.6790% | 6,210 |
| Total risk-based capital ratio | 11.5421% | 6,527 |
| Memoranda: | ||
| Average total assets | $67,010,000 | 6,217 |
| Average earning assets | $62,352,500 | 6,162 |
| Average equity | $4,966,000 | 7,121 |
| Average total loans | $51,194,500 | 5,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6025% | 2,483 |
| Cost of funding earning assets | 2.5415% | 3,997 |
| Net interest margin | 4.0611% | 2,865 |
| Noninterest income to average assets | 0.4845% | 4,760 |
| Noninterest expense to average assets | 2.6395% | 5,494 |
| Loan and lease loss provision to assets | 0.2570% | 4,346 |
| Net operating income to assets | 0.9829% | 2,621 |
| Return on assets (ROA) | 0.9829% | 2,507 |
| Pretax return on assets | 1.3284% | 2,211 |
| Return on Equity (ROE) | 12.1914% | 1,550 |
| Retained earnings to average equity (ytd only) | 10.5760% | 382 |
| Net charge-offs to loans | 0.1442% | 4,773 |
| Credit loss provision to net charge-offs | 238.7097% | 1,979 |
| Earnings coverage of net charge-offs (x) | 14.7258% | 2,009 |
| Efficiency ratio | 62.4743% | 5,862 |
| Assets per employee ($millions) | 3.7219% | 4,125 |
| Cash dividends to net income (ytd only)* | 13.2509% | 4,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8242% | 7,010 |
| Loan loss allowance to noncurrent loans | 55.0000% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3576% | 3,487 |
| Noncurrent loans to loans | 1.4985% | 3,550 |
| Net loans and leases to total assets | 77.4071% | 2,285 |
| Net loans and leases to deposits | 96.5254% | 2,364 |
| Net loans and leases to core deposits | 114.3654% | 3,293 |
| Total domestic deposits to total assets | 80.1935% | 4,946 |
| Equity capital to assets | 7.7127% | 7,187 |
| Core capital (leverage) ratio | 7.8847% | 6,677 |
| Tier 1 risk-based capital ratio | 11.1858% | 5,553 |
| Total risk-based capital ratio | 12.1230% | 5,754 |
| Memoranda: | ||
| Average total assets | $57,587,600 | 6,466 |
| Average earning assets | $53,040,200 | 6,463 |
| Average equity | $4,642,600 | 7,282 |
| Average total loans | $42,994,600 | 6,023 |