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 | 4.1342% | 3,746 |
| Cost of funding earning assets | 1.2987% | 2,519 |
| Net interest margin | 2.8355% | 3,597 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.9072% | 3,822 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.3699% | 1,276 |
| Return on assets (ROA) | 0.7924% | 2,872 |
| Pretax return on assets | 0.7985% | 3,218 |
| Return on Equity (ROE) | 9.1200% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.3729% | 3,486 |
| Net charge-offs to loans | -0.0140% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.0984% | 3,288 |
| Assets per employee ($millions) | 7.7296% | 1,572 |
| Cash dividends to net income (ytd only)* | 73.9883% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1212% | 2,717 |
| Loan loss allowance to noncurrent loans | 1,827.6923% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,446 |
| Noncurrent loans to loans | 0.0613% | 3,275 |
| Net loans and leases to total assets | 51.1500% | 3,534 |
| Net loans and leases to deposits | 56.9305% | 3,668 |
| Net loans and leases to core deposits | 58.5518% | 3,817 |
| Total domestic deposits to total assets | 89.8400% | 804 |
| Equity capital to assets | 8.9568% | 2,707 |
| Core capital (leverage) ratio | 10.5904% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5765% | 831 |
| Memoranda: | ||
| Average total assets | $408,510,400 | 1,986 |
| Average earning assets | $392,484,000 | 1,940 |
| Average equity | $35,484,200 | 2,038 |
| Average total loans | $206,684,600 | 2,247 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 3,853 |
| Cost of funding earning assets | 1.2298% | 2,334 |
| Net interest margin | 2.7643% | 3,788 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.9071% | 3,792 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.3127% | 1,524 |
| Return on assets (ROA) | 1.2937% | 1,548 |
| Pretax return on assets | 1.2963% | 2,056 |
| Return on Equity (ROE) | 15.0100% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.7244% | 1,486 |
| Net charge-offs to loans | -0.0188% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.3394% | 3,040 |
| Assets per employee ($millions) | 7.0639% | 1,911 |
| Cash dividends to net income (ytd only)* | 35.2184% | 1,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,624 |
| Loan loss allowance to noncurrent loans | 4,320.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,699 |
| Noncurrent loans to loans | 0.0266% | 3,581 |
| Net loans and leases to total assets | 52.5900% | 3,455 |
| Net loans and leases to deposits | 58.2343% | 3,594 |
| Net loans and leases to core deposits | 59.9694% | 3,708 |
| Total domestic deposits to total assets | 90.3100% | 858 |
| Equity capital to assets | 8.2177% | 2,909 |
| Core capital (leverage) ratio | 10.8838% | 2,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4019% | 772 |
| Memoranda: | ||
| Average total assets | $408,221,250 | 1,987 |
| Average earning assets | $391,939,000 | 1,941 |
| Average equity | $35,182,000 | 2,040 |
| Average total loans | $205,379,000 | 2,251 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,915 |
| Cost of funding earning assets | 1.1445% | 2,148 |
| Net interest margin | 2.7302% | 3,938 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.8863% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1697% | 1,909 |
| Return on assets (ROA) | 1.1688% | 1,906 |
| Pretax return on assets | 1.2749% | 2,148 |
| Return on Equity (ROE) | 13.3700% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.6746% | 2,733 |
| Net charge-offs to loans | -0.0283% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6523% | 3,000 |
| Assets per employee ($millions) | 7.5265% | 1,596 |
| Cash dividends to net income (ytd only)* | 57.5495% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1528% | 2,700 |
| Loan loss allowance to noncurrent loans | 4,242.8571% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,703 |
| Noncurrent loans to loans | 0.0272% | 3,560 |
| Net loans and leases to total assets | 50.1300% | 3,552 |
| Net loans and leases to deposits | 55.9303% | 3,647 |
| Net loans and leases to core deposits | 57.3922% | 3,745 |
| Total domestic deposits to total assets | 89.6200% | 1,044 |
| Equity capital to assets | 9.0146% | 2,510 |
| Core capital (leverage) ratio | 10.4025% | 2,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1803% | 797 |
| Memoranda: | ||
| Average total assets | $414,789,667 | 1,967 |
| Average earning assets | $398,060,667 | 1,915 |
| Average equity | $36,267,000 | 2,007 |
| Average total loans | $204,937,000 | 2,255 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8530% | 3,762 |
| Cost of funding earning assets | 1.0252% | 1,965 |
| Net interest margin | 2.8279% | 3,909 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.8283% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2628% | 1,767 |
| Return on assets (ROA) | 1.2707% | 1,716 |
| Pretax return on assets | 1.3805% | 1,937 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 7.6050% | 2,335 |
| Net charge-offs to loans | -0.0568% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.1301% | 3,290 |
| Assets per employee ($millions) | 8.1459% | 1,268 |
| Cash dividends to net income (ytd only)* | 48.4598% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,731 |
| Loan loss allowance to noncurrent loans | 1,019.7425% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 3,226 |
| Noncurrent loans to loans | 0.1144% | 2,947 |
| Net loans and leases to total assets | 48.4500% | 3,598 |
| Net loans and leases to deposits | 53.9410% | 3,690 |
| Net loans and leases to core deposits | 54.8955% | 3,798 |
| Total domestic deposits to total assets | 89.8200% | 1,223 |
| Equity capital to assets | 8.8657% | 2,617 |
| Core capital (leverage) ratio | 10.0267% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1342% | 1,345 |
| Memoranda: | ||
| Average total assets | $418,970,000 | 1,978 |
| Average earning assets | $402,282,500 | 1,930 |
| Average equity | $36,081,500 | 2,038 |
| Average total loans | $204,355,500 | 2,274 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9640% | 4,173 |
| Cost of funding earning assets | 0.3968% | 2,135 |
| Net interest margin | 2.5671% | 4,212 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 1.7049% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2774% | 1,509 |
| Return on assets (ROA) | 0.8963% | 2,909 |
| Pretax return on assets | 0.9757% | 3,144 |
| Return on Equity (ROE) | 10.9000% | 2,509 |
| Retained earnings to average equity (ytd only) | 10.8996% | 909 |
| Net charge-offs to loans | -0.0025% | 3,486 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 55.0884% | 3,673 |
| Assets per employee ($millions) | 8.6224% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 2,710 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 3,753 |
| Noncurrent loans to loans | 0.0258% | 3,608 |
| Net loans and leases to total assets | 47.9800% | 3,669 |
| Net loans and leases to deposits | 52.7738% | 3,745 |
| Net loans and leases to core deposits | 53.6254% | 3,827 |
| Total domestic deposits to total assets | 90.9200% | 988 |
| Equity capital to assets | 8.3624% | 2,803 |
| Core capital (leverage) ratio | 9.9572% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7866% | 860 |
| Memoranda: | ||
| Average total assets | $421,959,600 | 1,943 |
| Average earning assets | $401,929,000 | 1,911 |
| Average equity | $34,698,600 | 2,122 |
| Average total loans | $201,243,200 | 2,221 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7655% | 4,228 |
| Cost of funding earning assets | 0.2792% | 2,388 |
| Net interest margin | 2.4863% | 4,220 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 1.7425% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1621% | 1,846 |
| Return on assets (ROA) | 1.1316% | 1,934 |
| Pretax return on assets | 1.2311% | 2,253 |
| Return on Equity (ROE) | 13.8200% | 1,479 |
| Retained earnings to average equity (ytd only) | 13.8192% | 489 |
| Net charge-offs to loans | -0.0020% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.9523% | 3,390 |
| Assets per employee ($millions) | 8.2331% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 2,743 |
| Loan loss allowance to noncurrent loans | 3,584.6154% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,809 |
| Noncurrent loans to loans | 0.0324% | 3,663 |
| Net loans and leases to total assets | 48.2400% | 3,602 |
| Net loans and leases to deposits | 53.0329% | 3,664 |
| Net loans and leases to core deposits | 53.9103% | 3,751 |
| Total domestic deposits to total assets | 90.9600% | 1,257 |
| Equity capital to assets | 7.9484% | 2,927 |
| Core capital (leverage) ratio | 9.7872% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1109% | 1,399 |
| Memoranda: | ||
| Average total assets | $421,825,000 | 1,960 |
| Average earning assets | $401,603,250 | 1,919 |
| Average equity | $34,540,500 | 2,160 |
| Average total loans | $200,289,250 | 2,228 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6651% | 4,192 |
| Cost of funding earning assets | 0.2035% | 2,870 |
| Net interest margin | 2.4616% | 4,147 |
| Noninterest income to average assets | 0.7069% | 1,309 |
| Noninterest expense to average assets | 1.7417% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2002% | 1,427 |
| Return on assets (ROA) | 1.1613% | 1,542 |
| Pretax return on assets | 1.2671% | 1,847 |
| Return on Equity (ROE) | 14.0494% | 1,104 |
| Retained earnings to average equity (ytd only) | 14.0494% | 357 |
| Net charge-offs to loans | -0.0030% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0834% | 3,676 |
| Assets per employee ($millions) | 8.2311% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 2,916 |
| Loan loss allowance to noncurrent loans | 21,181.8182% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,041 |
| Noncurrent loans to loans | 0.0054% | 3,956 |
| Net loans and leases to total assets | 47.6124% | 3,581 |
| Net loans and leases to deposits | 52.4264% | 3,655 |
| Net loans and leases to core deposits | 53.2339% | 3,743 |
| Total domestic deposits to total assets | 90.8175% | 1,330 |
| Equity capital to assets | 7.8723% | 3,221 |
| Core capital (leverage) ratio | 9.2682% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4428% | 1,590 |
| Memoranda: | ||
| Average total assets | $425,215,000 | 1,958 |
| Average earning assets | $404,945,000 | 1,923 |
| Average equity | $35,147,333 | 2,191 |
| Average total loans | $200,080,667 | 2,237 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6329% | 4,063 |
| Cost of funding earning assets | 0.1530% | 3,465 |
| Net interest margin | 2.4798% | 3,939 |
| Noninterest income to average assets | 0.5879% | 1,746 |
| Noninterest expense to average assets | 1.7274% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1264% | 1,451 |
| Return on assets (ROA) | 1.1376% | 1,409 |
| Pretax return on assets | 1.2357% | 1,690 |
| Return on Equity (ROE) | 13.4484% | 951 |
| Retained earnings to average equity (ytd only) | 13.4484% | 430 |
| Net charge-offs to loans | -0.0020% | 3,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5366% | 3,629 |
| Assets per employee ($millions) | 8.6827% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,995 |
| Loan loss allowance to noncurrent loans | 3,104.0000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,884 |
| Noncurrent loans to loans | 0.0378% | 3,710 |
| Net loans and leases to total assets | 45.2150% | 3,638 |
| Net loans and leases to deposits | 49.6954% | 3,755 |
| Net loans and leases to core deposits | 50.4799% | 3,845 |
| Total domestic deposits to total assets | 90.9841% | 1,041 |
| Equity capital to assets | 7.6041% | 3,854 |
| Core capital (leverage) ratio | 8.9919% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3751% | 1,175 |
| Memoranda: | ||
| Average total assets | $427,929,500 | 1,953 |
| Average earning assets | $407,770,000 | 1,925 |
| Average equity | $36,197,500 | 2,206 |
| Average total loans | $199,021,000 | 2,237 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0640% | 3,756 |
| Cost of funding earning assets | 0.1714% | 3,763 |
| Net interest margin | 2.8925% | 3,461 |
| Noninterest income to average assets | 0.7246% | 1,679 |
| Noninterest expense to average assets | 1.8521% | 4,043 |
| Loan and lease loss provision to assets | -0.1140% | 4,568 |
| Net operating income to assets | 1.6071% | 785 |
| Return on assets (ROA) | 1.6356% | 770 |
| Pretax return on assets | 1.7805% | 954 |
| Return on Equity (ROE) | 16.8847% | 609 |
| Retained earnings to average equity (ytd only) | 9.2121% | 1,135 |
| Net charge-offs to loans | -0.0858% | 4,535 |
| Credit loss provision to net charge-offs | 273.8095% | 1,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1041% | 4,021 |
| Assets per employee ($millions) | 8.1101% | 1,273 |
| Cash dividends to net income (ytd only)* | 45.4408% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 3,037 |
| Loan loss allowance to noncurrent loans | 682.4047% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,376 |
| Noncurrent loans to loans | 0.1710% | 3,094 |
| Net loans and leases to total assets | 46.7351% | 3,629 |
| Net loans and leases to deposits | 52.0505% | 3,738 |
| Net loans and leases to core deposits | 52.8006% | 3,839 |
| Total domestic deposits to total assets | 89.7879% | 1,068 |
| Equity capital to assets | 9.3386% | 3,280 |
| Core capital (leverage) ratio | 9.1176% | 3,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7121% | 1,336 |
| Memoranda: | ||
| Average total assets | $403,647,400 | 1,976 |
| Average earning assets | $385,580,200 | 1,949 |
| Average equity | $39,100,600 | 2,114 |
| Average total loans | $195,835,600 | 2,258 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 3,700 |
| Cost of funding earning assets | 0.1792% | 3,829 |
| Net interest margin | 2.9705% | 3,384 |
| Noninterest income to average assets | 0.7877% | 1,564 |
| Noninterest expense to average assets | 1.8446% | 4,069 |
| Loan and lease loss provision to assets | 0.0133% | 2,726 |
| Net operating income to assets | 1.6270% | 964 |
| Return on assets (ROA) | 1.6362% | 993 |
| Pretax return on assets | 1.7798% | 1,208 |
| Return on Equity (ROE) | 16.7320% | 811 |
| Retained earnings to average equity (ytd only) | 10.6138% | 1,145 |
| Net charge-offs to loans | -0.1142% | 4,658 |
| Credit loss provision to net charge-offs | -23.9521% | 3,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8471% | 4,137 |
| Assets per employee ($millions) | 8.3275% | 1,119 |
| Cash dividends to net income (ytd only)* | 36.5659% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5034% | 1,617 |
| Loan loss allowance to noncurrent loans | 6,280.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 4,151 |
| Noncurrent loans to loans | 0.0239% | 4,027 |
| Net loans and leases to total assets | 46.3184% | 3,766 |
| Net loans and leases to deposits | 52.2623% | 3,863 |
| Net loans and leases to core deposits | 52.9988% | 3,982 |
| Total domestic deposits to total assets | 88.6268% | 1,499 |
| Equity capital to assets | 9.9492% | 2,950 |
| Core capital (leverage) ratio | 9.0790% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8196% | 1,385 |
| Memoranda: | ||
| Average total assets | $399,128,250 | 2,011 |
| Average earning assets | $381,609,750 | 1,981 |
| Average equity | $39,030,000 | 2,141 |
| Average total loans | $194,939,500 | 2,304 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 3,863 |
| Cost of funding earning assets | 0.1889% | 3,862 |
| Net interest margin | 2.9115% | 3,552 |
| Noninterest income to average assets | 0.7856% | 1,573 |
| Noninterest expense to average assets | 1.8399% | 4,096 |
| Loan and lease loss provision to assets | 0.0201% | 2,563 |
| Net operating income to assets | 1.5759% | 1,103 |
| Return on assets (ROA) | 1.5898% | 1,127 |
| Pretax return on assets | 1.7301% | 1,408 |
| Return on Equity (ROE) | 16.3522% | 889 |
| Retained earnings to average equity (ytd only) | 14.8516% | 453 |
| Net charge-offs to loans | -0.0162% | 3,896 |
| Credit loss provision to net charge-offs | -250.0000% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4654% | 4,098 |
| Assets per employee ($millions) | 8.5903% | 979 |
| Cash dividends to net income (ytd only)* | 9.1769% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 2,024 |
| Loan loss allowance to noncurrent loans | 2,876.3441% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,116 |
| Noncurrent loans to loans | 0.0483% | 3,938 |
| Net loans and leases to total assets | 46.0519% | 3,901 |
| Net loans and leases to deposits | 51.8430% | 4,005 |
| Net loans and leases to core deposits | 52.5482% | 4,104 |
| Total domestic deposits to total assets | 88.8295% | 1,367 |
| Equity capital to assets | 9.7178% | 3,124 |
| Core capital (leverage) ratio | 9.0819% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5277% | 1,223 |
| Memoranda: | ||
| Average total assets | $398,930,333 | 2,006 |
| Average earning assets | $382,213,667 | 1,970 |
| Average equity | $38,783,667 | 2,142 |
| Average total loans | $197,262,333 | 2,295 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9621% | 4,162 |
| Cost of funding earning assets | 0.2169% | 3,759 |
| Net interest margin | 2.7452% | 3,874 |
| Noninterest income to average assets | 0.6853% | 1,915 |
| Noninterest expense to average assets | 1.8969% | 3,990 |
| Loan and lease loss provision to assets | 0.0306% | 2,377 |
| Net operating income to assets | 1.2694% | 1,924 |
| Return on assets (ROA) | 1.2768% | 1,975 |
| Pretax return on assets | 1.3992% | 2,278 |
| Return on Equity (ROE) | 13.1304% | 1,642 |
| Retained earnings to average equity (ytd only) | 10.0785% | 1,629 |
| Net charge-offs to loans | -0.0321% | 4,204 |
| Credit loss provision to net charge-offs | -187.5000% | 2,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1604% | 3,409 |
| Assets per employee ($millions) | 8.8258% | 883 |
| Cash dividends to net income (ytd only)* | 23.2428% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,310 |
| Loan loss allowance to noncurrent loans | 12,113.6364% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,361 |
| Noncurrent loans to loans | 0.0110% | 4,257 |
| Net loans and leases to total assets | 48.7969% | 3,732 |
| Net loans and leases to deposits | 54.5611% | 3,902 |
| Net loans and leases to core deposits | 55.3087% | 4,020 |
| Total domestic deposits to total assets | 89.4354% | 1,100 |
| Equity capital to assets | 9.2550% | 3,439 |
| Core capital (leverage) ratio | 9.1028% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4958% | 1,166 |
| Memoranda: | ||
| Average total assets | $392,228,000 | 2,022 |
| Average earning assets | $376,217,000 | 1,980 |
| Average equity | $38,140,500 | 2,157 |
| Average total loans | $199,612,000 | 2,288 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4073% | 4,182 |
| Cost of funding earning assets | 0.4153% | 3,490 |
| Net interest margin | 2.9920% | 3,911 |
| Noninterest income to average assets | 1.3677% | 626 |
| Noninterest expense to average assets | 2.0475% | 4,045 |
| Loan and lease loss provision to assets | 0.2499% | 1,544 |
| Net operating income to assets | 1.7882% | 399 |
| Return on assets (ROA) | 1.7951% | 423 |
| Pretax return on assets | 1.9559% | 501 |
| Return on Equity (ROE) | 18.5704% | 296 |
| Retained earnings to average equity (ytd only) | 18.5704% | 78 |
| Net charge-offs to loans | -0.0047% | 4,113 |
| Credit loss provision to net charge-offs | -9,666.6667% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2243% | 4,625 |
| Assets per employee ($millions) | 7.5694% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,315 |
| Loan loss allowance to noncurrent loans | 9,031.0345% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 4,407 |
| Noncurrent loans to loans | 0.0146% | 4,308 |
| Net loans and leases to total assets | 51.7429% | 3,685 |
| Net loans and leases to deposits | 58.0393% | 3,888 |
| Net loans and leases to core deposits | 58.7177% | 4,012 |
| Total domestic deposits to total assets | 89.1516% | 921 |
| Equity capital to assets | 10.2273% | 2,909 |
| Core capital (leverage) ratio | 9.3416% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7045% | 1,106 |
| Memoranda: | ||
| Average total assets | $348,175,000 | 2,060 |
| Average earning assets | $334,923,800 | 2,004 |
| Average equity | $33,655,800 | 2,308 |
| Average total loans | $190,102,600 | 2,325 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 4,306 |
| Cost of funding earning assets | 0.4731% | 3,406 |
| Net interest margin | 2.9625% | 4,065 |
| Noninterest income to average assets | 1.1916% | 751 |
| Noninterest expense to average assets | 2.0399% | 4,071 |
| Loan and lease loss provision to assets | 0.3288% | 1,186 |
| Net operating income to assets | 1.5506% | 811 |
| Return on assets (ROA) | 1.5459% | 894 |
| Pretax return on assets | 1.6711% | 1,024 |
| Return on Equity (ROE) | 16.2541% | 520 |
| Retained earnings to average equity (ytd only) | 16.2541% | 147 |
| Net charge-offs to loans | -0.0050% | 4,048 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4307% | 4,460 |
| Assets per employee ($millions) | 7.2065% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 2,092 |
| Loan loss allowance to noncurrent loans | 8,345.1613% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,463 |
| Noncurrent loans to loans | 0.0158% | 4,372 |
| Net loans and leases to total assets | 53.8000% | 3,818 |
| Net loans and leases to deposits | 60.5454% | 4,023 |
| Net loans and leases to core deposits | 61.2099% | 4,147 |
| Total domestic deposits to total assets | 88.8590% | 833 |
| Equity capital to assets | 10.0634% | 3,176 |
| Core capital (leverage) ratio | 8.8328% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7588% | 1,311 |
| Memoranda: | ||
| Average total assets | $340,601,500 | 2,076 |
| Average earning assets | $328,042,750 | 2,018 |
| Average equity | $32,393,000 | 2,349 |
| Average total loans | $188,015,750 | 2,346 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 4,455 |
| Cost of funding earning assets | 0.5563% | 3,203 |
| Net interest margin | 2.9124% | 4,288 |
| Noninterest income to average assets | 1.1724% | 727 |
| Noninterest expense to average assets | 2.0867% | 4,059 |
| Loan and lease loss provision to assets | 0.3353% | 1,275 |
| Net operating income to assets | 1.4319% | 1,050 |
| Return on assets (ROA) | 1.4208% | 1,156 |
| Pretax return on assets | 1.5406% | 1,366 |
| Return on Equity (ROE) | 15.2587% | 675 |
| Retained earnings to average equity (ytd only) | 15.2587% | 213 |
| Net charge-offs to loans | -0.0054% | 4,037 |
| Credit loss provision to net charge-offs | -11,200.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5008% | 4,325 |
| Assets per employee ($millions) | 7.3032% | 1,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,501 |
| Loan loss allowance to noncurrent loans | 6,402.7778% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 4,533 |
| Noncurrent loans to loans | 0.0188% | 4,424 |
| Net loans and leases to total assets | 52.9122% | 3,961 |
| Net loans and leases to deposits | 59.8568% | 4,126 |
| Net loans and leases to core deposits | 60.5185% | 4,234 |
| Total domestic deposits to total assets | 88.3979% | 988 |
| Equity capital to assets | 9.5644% | 3,599 |
| Core capital (leverage) ratio | 8.8003% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6246% | 1,593 |
| Memoranda: | ||
| Average total assets | $334,026,333 | 2,072 |
| Average earning assets | $321,389,333 | 2,021 |
| Average equity | $31,103,667 | 2,402 |
| Average total loans | $185,206,667 | 2,355 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6730% | 4,439 |
| Cost of funding earning assets | 0.7935% | 2,432 |
| Net interest margin | 2.8796% | 4,464 |
| Noninterest income to average assets | 0.6395% | 1,864 |
| Noninterest expense to average assets | 2.1235% | 4,170 |
| Loan and lease loss provision to assets | 0.3477% | 883 |
| Net operating income to assets | 0.8371% | 2,760 |
| Return on assets (ROA) | 0.8382% | 2,846 |
| Pretax return on assets | 0.9276% | 3,063 |
| Return on Equity (ROE) | 9.1395% | 2,052 |
| Retained earnings to average equity (ytd only) | 9.1395% | 933 |
| Net charge-offs to loans | -0.0044% | 3,824 |
| Credit loss provision to net charge-offs | -14,000.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,438 |
| Assets per employee ($millions) | 6.4245% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 3,150 |
| Loan loss allowance to noncurrent loans | 5,055.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,587 |
| Noncurrent loans to loans | 0.0220% | 4,485 |
| Net loans and leases to total assets | 54.9713% | 3,912 |
| Net loans and leases to deposits | 60.9282% | 4,165 |
| Net loans and leases to core deposits | 61.6481% | 4,288 |
| Total domestic deposits to total assets | 90.2231% | 263 |
| Equity capital to assets | 9.1021% | 4,536 |
| Core capital (leverage) ratio | 8.8982% | 4,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6633% | 1,697 |
| Memoranda: | ||
| Average total assets | $322,110,500 | 2,080 |
| Average earning assets | $308,518,500 | 2,031 |
| Average equity | $29,542,000 | 2,488 |
| Average total loans | $181,982,000 | 2,340 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 4,585 |
| Cost of funding earning assets | 1.0080% | 1,692 |
| Net interest margin | 2.7754% | 4,774 |
| Noninterest income to average assets | 0.6444% | 2,029 |
| Noninterest expense to average assets | 2.1765% | 4,210 |
| Loan and lease loss provision to assets | 0.0394% | 3,231 |
| Net operating income to assets | 0.9662% | 2,966 |
| Return on assets (ROA) | 1.1501% | 2,354 |
| Pretax return on assets | 1.2871% | 2,548 |
| Return on Equity (ROE) | 13.0145% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.0145% | 168 |
| Net charge-offs to loans | 0.0773% | 1,994 |
| Credit loss provision to net charge-offs | 85.1064% | 2,730 |
| Earnings coverage of net charge-offs (x) | 24.2199% | 1,783 |
| Efficiency ratio | 66.0267% | 2,765 |
| Assets per employee ($millions) | 6.3314% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 3,715 |
| Loan loss allowance to noncurrent loans | 495.7265% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,076 |
| Noncurrent loans to loans | 0.1930% | 3,766 |
| Net loans and leases to total assets | 56.8872% | 3,855 |
| Net loans and leases to deposits | 63.4174% | 4,110 |
| Net loans and leases to core deposits | 64.1939% | 4,268 |
| Total domestic deposits to total assets | 89.7028% | 422 |
| Equity capital to assets | 9.2431% | 4,536 |
| Core capital (leverage) ratio | 8.9394% | 4,571 |
| Tier 1 risk-based capital ratio | 15.1813% | 2,709 |
| Total risk-based capital ratio | 16.1363% | 2,762 |
| Memoranda: | ||
| Average total assets | $304,943,000 | 2,134 |
| Average earning assets | $291,382,200 | 2,081 |
| Average equity | $26,946,800 | 2,568 |
| Average total loans | $182,290,600 | 2,294 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8097% | 4,665 |
| Cost of funding earning assets | 1.0447% | 1,561 |
| Net interest margin | 2.7650% | 4,883 |
| Noninterest income to average assets | 0.6383% | 2,037 |
| Noninterest expense to average assets | 2.2090% | 4,163 |
| Loan and lease loss provision to assets | 0.0397% | 3,108 |
| Net operating income to assets | 0.9076% | 3,318 |
| Return on assets (ROA) | 1.1243% | 2,569 |
| Pretax return on assets | 1.2788% | 2,730 |
| Return on Equity (ROE) | 12.8788% | 1,324 |
| Retained earnings to average equity (ytd only) | 12.8788% | 297 |
| Net charge-offs to loans | -0.0044% | 4,173 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3214% | 2,522 |
| Assets per employee ($millions) | 6.5703% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,451 |
| Loan loss allowance to noncurrent loans | 381.8930% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 3,949 |
| Noncurrent loans to loans | 0.2676% | 3,584 |
| Net loans and leases to total assets | 58.2185% | 3,861 |
| Net loans and leases to deposits | 64.7872% | 4,137 |
| Net loans and leases to core deposits | 65.5973% | 4,299 |
| Total domestic deposits to total assets | 89.8611% | 321 |
| Equity capital to assets | 9.1696% | 4,684 |
| Core capital (leverage) ratio | 8.7146% | 4,825 |
| Tier 1 risk-based capital ratio | 14.5665% | 3,037 |
| Total risk-based capital ratio | 15.5796% | 3,071 |
| Memoranda: | ||
| Average total assets | $302,035,750 | 2,173 |
| Average earning assets | $288,697,500 | 2,106 |
| Average equity | $26,368,250 | 2,615 |
| Average total loans | $182,406,000 | 2,317 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7756% | 4,743 |
| Cost of funding earning assets | 1.0495% | 1,497 |
| Net interest margin | 2.7260% | 4,981 |
| Noninterest income to average assets | 0.6158% | 2,081 |
| Noninterest expense to average assets | 2.2323% | 4,166 |
| Loan and lease loss provision to assets | 0.0400% | 3,012 |
| Net operating income to assets | 0.9514% | 3,088 |
| Return on assets (ROA) | 1.3136% | 1,787 |
| Pretax return on assets | 1.3136% | 2,507 |
| Return on Equity (ROE) | 15.3116% | 697 |
| Retained earnings to average equity (ytd only) | 15.3116% | 157 |
| Net charge-offs to loans | -0.0022% | 3,970 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2467% | 2,342 |
| Assets per employee ($millions) | 6.1052% | 1,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 3,645 |
| Loan loss allowance to noncurrent loans | 382.9832% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,980 |
| Noncurrent loans to loans | 0.2604% | 3,597 |
| Net loans and leases to total assets | 59.2769% | 3,803 |
| Net loans and leases to deposits | 65.7756% | 4,115 |
| Net loans and leases to core deposits | 66.5287% | 4,289 |
| Total domestic deposits to total assets | 90.1199% | 304 |
| Equity capital to assets | 9.0068% | 4,792 |
| Core capital (leverage) ratio | 8.7714% | 4,796 |
| Tier 1 risk-based capital ratio | 14.4015% | 3,117 |
| Total risk-based capital ratio | 15.4065% | 3,156 |
| Memoranda: | ||
| Average total assets | $299,780,330 | 2,186 |
| Average earning assets | $286,790,330 | 2,120 |
| Average equity | $25,719,000 | 2,658 |
| Average total loans | $182,662,670 | 2,318 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,758 |
| Cost of funding earning assets | 1.0454% | 1,394 |
| Net interest margin | 2.7195% | 5,048 |
| Noninterest income to average assets | 0.6073% | 2,012 |
| Noninterest expense to average assets | 2.2812% | 4,071 |
| Loan and lease loss provision to assets | 0.0404% | 2,818 |
| Net operating income to assets | 0.8780% | 3,316 |
| Return on assets (ROA) | 1.3843% | 1,454 |
| Pretax return on assets | 1.3843% | 2,137 |
| Return on Equity (ROE) | 16.5596% | 522 |
| Retained earnings to average equity (ytd only) | 16.5596% | 200 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2963% | 2,147 |
| Assets per employee ($millions) | 5.7443% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 3,814 |
| Loan loss allowance to noncurrent loans | 490.6849% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,190 |
| Noncurrent loans to loans | 0.2002% | 3,873 |
| Net loans and leases to total assets | 60.4274% | 3,663 |
| Net loans and leases to deposits | 66.9332% | 3,990 |
| Net loans and leases to core deposits | 67.7817% | 4,193 |
| Total domestic deposits to total assets | 90.2803% | 360 |
| Equity capital to assets | 8.6518% | 4,902 |
| Core capital (leverage) ratio | 8.5180% | 4,997 |
| Tier 1 risk-based capital ratio | 13.9100% | 3,387 |
| Total risk-based capital ratio | 14.8992% | 3,433 |
| Memoranda: | ||
| Average total assets | $297,041,000 | 2,214 |
| Average earning assets | $283,143,500 | 2,154 |
| Average equity | $24,831,500 | 2,733 |
| Average total loans | $182,608,500 | 2,342 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5489% | 4,860 |
| Cost of funding earning assets | 0.7721% | 1,678 |
| Net interest margin | 2.7767% | 5,040 |
| Noninterest income to average assets | 0.5584% | 2,503 |
| Noninterest expense to average assets | 2.0876% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1244% | 2,498 |
| Return on assets (ROA) | 1.1206% | 2,511 |
| Pretax return on assets | 1.1206% | 3,202 |
| Return on Equity (ROE) | 13.9816% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.3696% | 2,551 |
| Net charge-offs to loans | 0.0011% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,629.0000% | 67 |
| Efficiency ratio | 64.9941% | 3,024 |
| Assets per employee ($millions) | 5.5732% | 1,891 |
| Cash dividends to net income (ytd only)* | 61.5953% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 3,898 |
| Loan loss allowance to noncurrent loans | 511.9186% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 4,247 |
| Noncurrent loans to loans | 0.1881% | 3,898 |
| Net loans and leases to total assets | 61.3335% | 3,625 |
| Net loans and leases to deposits | 67.4167% | 4,014 |
| Net loans and leases to core deposits | 68.2734% | 4,224 |
| Total domestic deposits to total assets | 90.9767% | 211 |
| Equity capital to assets | 8.0642% | 5,137 |
| Core capital (leverage) ratio | 8.3229% | 5,105 |
| Tier 1 risk-based capital ratio | 13.1389% | 3,765 |
| Total risk-based capital ratio | 14.0968% | 3,829 |
| Memoranda: | ||
| Average total assets | $289,760,800 | 2,211 |
| Average earning assets | $276,906,600 | 2,154 |
| Average equity | $23,223,400 | 2,791 |
| Average total loans | $174,979,600 | 2,379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,932 |
| Cost of funding earning assets | 0.7290% | 1,689 |
| Net interest margin | 2.7632% | 5,120 |
| Noninterest income to average assets | 0.5979% | 2,322 |
| Noninterest expense to average assets | 2.0946% | 4,568 |
| Loan and lease loss provision to assets | -0.0462% | 5,281 |
| Net operating income to assets | 1.1925% | 2,269 |
| Return on assets (ROA) | 1.1874% | 2,288 |
| Pretax return on assets | 1.1874% | 3,038 |
| Return on Equity (ROE) | 14.8387% | 913 |
| Retained earnings to average equity (ytd only) | 6.7722% | 2,250 |
| Net charge-offs to loans | 0.0039% | 3,333 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,746 |
| Earnings coverage of net charge-offs (x) | 495.5397% | 190 |
| Efficiency ratio | 64.6312% | 3,083 |
| Assets per employee ($millions) | 5.3628% | 2,066 |
| Cash dividends to net income (ytd only)* | 54.3615% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 4,122 |
| Loan loss allowance to noncurrent loans | 303.6630% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1921% | 3,978 |
| Noncurrent loans to loans | 0.3072% | 3,575 |
| Net loans and leases to total assets | 61.9402% | 3,664 |
| Net loans and leases to deposits | 68.0492% | 4,059 |
| Net loans and leases to core deposits | 68.8542% | 4,256 |
| Total domestic deposits to total assets | 91.0227% | 213 |
| Equity capital to assets | 8.1346% | 5,117 |
| Core capital (leverage) ratio | 8.3570% | 5,172 |
| Tier 1 risk-based capital ratio | 13.3483% | 3,707 |
| Total risk-based capital ratio | 14.2682% | 3,805 |
| Memoranda: | ||
| Average total assets | $288,356,000 | 2,228 |
| Average earning assets | $275,809,000 | 2,170 |
| Average equity | $23,074,250 | 2,821 |
| Average total loans | $172,992,500 | 2,418 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,028 |
| Cost of funding earning assets | 0.6768% | 1,761 |
| Net interest margin | 2.7346% | 5,182 |
| Noninterest income to average assets | 0.6075% | 2,286 |
| Noninterest expense to average assets | 2.0771% | 4,659 |
| Loan and lease loss provision to assets | -0.0690% | 5,393 |
| Net operating income to assets | 1.2128% | 2,140 |
| Return on assets (ROA) | 1.2053% | 2,174 |
| Pretax return on assets | 1.2053% | 2,920 |
| Return on Equity (ROE) | 15.1440% | 821 |
| Retained earnings to average equity (ytd only) | 10.8072% | 707 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4878% | 3,247 |
| Assets per employee ($millions) | 5.8258% | 1,614 |
| Cash dividends to net income (ytd only)* | 28.6369% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,125 |
| Loan loss allowance to noncurrent loans | 467.1348% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 4,389 |
| Noncurrent loans to loans | 0.2030% | 3,992 |
| Net loans and leases to total assets | 59.6478% | 3,839 |
| Net loans and leases to deposits | 65.2906% | 4,207 |
| Net loans and leases to core deposits | 65.9145% | 4,373 |
| Total domestic deposits to total assets | 91.3574% | 179 |
| Equity capital to assets | 8.0967% | 5,191 |
| Core capital (leverage) ratio | 8.5089% | 5,104 |
| Tier 1 risk-based capital ratio | 13.7661% | 3,472 |
| Total risk-based capital ratio | 14.7148% | 3,553 |
| Memoranda: | ||
| Average total assets | $289,731,670 | 2,232 |
| Average earning assets | $276,891,670 | 2,173 |
| Average equity | $23,058,670 | 2,838 |
| Average total loans | $171,420,000 | 2,442 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3370% | 5,086 |
| Cost of funding earning assets | 0.6416% | 1,770 |
| Net interest margin | 2.6954% | 5,259 |
| Noninterest income to average assets | 0.5925% | 2,306 |
| Noninterest expense to average assets | 2.0875% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0811% | 2,518 |
| Return on assets (ROA) | 1.0701% | 2,575 |
| Pretax return on assets | 1.0701% | 3,279 |
| Return on Equity (ROE) | 13.5641% | 1,116 |
| Retained earnings to average equity (ytd only) | 13.5641% | 451 |
| Net charge-offs to loans | 0.0024% | 2,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 781.0000% | 84 |
| Efficiency ratio | 65.8803% | 3,184 |
| Assets per employee ($millions) | 5.7975% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,733 |
| Loan loss allowance to noncurrent loans | 481.4208% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 4,450 |
| Noncurrent loans to loans | 0.2159% | 4,004 |
| Net loans and leases to total assets | 57.8766% | 3,950 |
| Net loans and leases to deposits | 63.2609% | 4,258 |
| Net loans and leases to core deposits | 63.9025% | 4,429 |
| Total domestic deposits to total assets | 91.4888% | 186 |
| Equity capital to assets | 7.9096% | 5,296 |
| Core capital (leverage) ratio | 8.2221% | 5,300 |
| Tier 1 risk-based capital ratio | 14.1610% | 3,297 |
| Total risk-based capital ratio | 15.2156% | 3,309 |
| Memoranda: | ||
| Average total assets | $288,952,500 | 2,254 |
| Average earning assets | $276,179,000 | 2,204 |
| Average equity | $22,795,500 | 2,889 |
| Average total loans | $169,424,500 | 2,481 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2504% | 5,134 |
| Cost of funding earning assets | 0.4562% | 2,713 |
| Net interest margin | 2.7942% | 5,172 |
| Noninterest income to average assets | 0.6021% | 2,436 |
| Noninterest expense to average assets | 2.0621% | 4,857 |
| Loan and lease loss provision to assets | -0.4309% | 5,640 |
| Net operating income to assets | 1.6384% | 602 |
| Return on assets (ROA) | 1.6370% | 620 |
| Pretax return on assets | 1.6370% | 1,200 |
| Return on Equity (ROE) | 18.9557% | 243 |
| Retained earnings to average equity (ytd only) | -1.8336% | 5,271 |
| Net charge-offs to loans | -0.0036% | 4,589 |
| Credit loss provision to net charge-offs | 20,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6290% | 3,839 |
| Assets per employee ($millions) | 5.8781% | 1,603 |
| Cash dividends to net income (ytd only)* | 109.6732% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,676 |
| Loan loss allowance to noncurrent loans | 455.5556% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,469 |
| Noncurrent loans to loans | 0.2286% | 3,990 |
| Net loans and leases to total assets | 58.1725% | 3,989 |
| Net loans and leases to deposits | 63.4714% | 4,356 |
| Net loans and leases to core deposits | 64.1395% | 4,523 |
| Total domestic deposits to total assets | 91.6515% | 116 |
| Equity capital to assets | 7.8683% | 5,430 |
| Core capital (leverage) ratio | 8.1536% | 5,377 |
| Tier 1 risk-based capital ratio | 13.5086% | 3,622 |
| Total risk-based capital ratio | 14.5492% | 3,659 |
| Memoranda: | ||
| Average total assets | $278,503,000 | 2,299 |
| Average earning assets | $265,874,600 | 2,242 |
| Average equity | $24,050,800 | 2,746 |
| Average total loans | $164,956,200 | 2,483 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2386% | 5,184 |
| Cost of funding earning assets | 0.4372% | 2,835 |
| Net interest margin | 2.8013% | 5,215 |
| Noninterest income to average assets | 0.6031% | 2,468 |
| Noninterest expense to average assets | 2.0758% | 4,790 |
| Loan and lease loss provision to assets | -0.5794% | 5,718 |
| Net operating income to assets | 1.7827% | 482 |
| Return on assets (ROA) | 1.7861% | 493 |
| Pretax return on assets | 1.7861% | 917 |
| Return on Equity (ROE) | 20.2145% | 212 |
| Retained earnings to average equity (ytd only) | 12.0172% | 296 |
| Net charge-offs to loans | -0.0033% | 4,383 |
| Credit loss provision to net charge-offs | 30,000.0000% | 9 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8626% | 3,740 |
| Assets per employee ($millions) | 5.4207% | 2,000 |
| Cash dividends to net income (ytd only)* | 40.5515% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,778 |
| Loan loss allowance to noncurrent loans | 465.8730% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 4,565 |
| Noncurrent loans to loans | 0.2259% | 4,163 |
| Net loans and leases to total assets | 59.8901% | 3,877 |
| Net loans and leases to deposits | 66.6376% | 4,207 |
| Net loans and leases to core deposits | 67.3853% | 4,396 |
| Total domestic deposits to total assets | 89.8744% | 515 |
| Equity capital to assets | 9.4155% | 4,529 |
| Core capital (leverage) ratio | 9.2896% | 4,421 |
| Tier 1 risk-based capital ratio | 14.8662% | 2,977 |
| Total risk-based capital ratio | 15.8921% | 3,024 |
| Memoranda: | ||
| Average total assets | $276,121,750 | 2,324 |
| Average earning assets | $263,771,500 | 2,275 |
| Average equity | $24,397,750 | 2,741 |
| Average total loans | $163,866,250 | 2,502 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1977% | 5,244 |
| Cost of funding earning assets | 0.4197% | 2,897 |
| Net interest margin | 2.7780% | 5,279 |
| Noninterest income to average assets | 0.5949% | 2,488 |
| Noninterest expense to average assets | 2.0775% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1695% | 1,704 |
| Return on assets (ROA) | 1.1746% | 1,728 |
| Pretax return on assets | 1.1746% | 2,878 |
| Return on Equity (ROE) | 13.5912% | 893 |
| Retained earnings to average equity (ytd only) | 5.2067% | 2,577 |
| Net charge-offs to loans | -0.0037% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5349% | 3,756 |
| Assets per employee ($millions) | 5.3664% | 1,998 |
| Cash dividends to net income (ytd only)* | 61.6903% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7830% | 917 |
| Loan loss allowance to noncurrent loans | 753.1807% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,600 |
| Noncurrent loans to loans | 0.2367% | 4,182 |
| Net loans and leases to total assets | 59.5761% | 3,878 |
| Net loans and leases to deposits | 65.8775% | 4,228 |
| Net loans and leases to core deposits | 66.6863% | 4,429 |
| Total domestic deposits to total assets | 90.4347% | 378 |
| Equity capital to assets | 9.0019% | 4,901 |
| Core capital (leverage) ratio | 8.7995% | 4,948 |
| Tier 1 risk-based capital ratio | 14.4845% | 3,174 |
| Total risk-based capital ratio | 15.7409% | 3,091 |
| Memoranda: | ||
| Average total assets | $276,009,670 | 2,336 |
| Average earning assets | $263,498,670 | 2,275 |
| Average equity | $23,853,670 | 2,798 |
| Average total loans | $162,711,000 | 2,523 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1368% | 5,324 |
| Cost of funding earning assets | 0.4119% | 2,884 |
| Net interest margin | 2.7249% | 5,357 |
| Noninterest income to average assets | 0.6119% | 2,361 |
| Noninterest expense to average assets | 2.0911% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1271% | 1,763 |
| Return on assets (ROA) | 1.1386% | 1,752 |
| Pretax return on assets | 1.1386% | 2,830 |
| Return on Equity (ROE) | 13.4515% | 911 |
| Retained earnings to average equity (ytd only) | 4.9271% | 2,930 |
| Net charge-offs to loans | -0.0050% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5291% | 3,747 |
| Assets per employee ($millions) | 5.5657% | 1,824 |
| Cash dividends to net income (ytd only)* | 63.3714% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8552% | 862 |
| Loan loss allowance to noncurrent loans | 2,311.7188% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 5,118 |
| Noncurrent loans to loans | 0.0803% | 4,872 |
| Net loans and leases to total assets | 57.3988% | 4,025 |
| Net loans and leases to deposits | 63.2349% | 4,354 |
| Net loans and leases to core deposits | 64.0476% | 4,533 |
| Total domestic deposits to total assets | 90.7708% | 372 |
| Equity capital to assets | 8.7562% | 5,036 |
| Core capital (leverage) ratio | 8.4280% | 5,276 |
| Tier 1 risk-based capital ratio | 14.6195% | 3,149 |
| Total risk-based capital ratio | 15.8767% | 3,076 |
| Memoranda: | ||
| Average total assets | $277,171,000 | 2,348 |
| Average earning assets | $265,107,500 | 2,282 |
| Average equity | $23,462,000 | 2,845 |
| Average total loans | $161,060,500 | 2,563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0773% | 5,429 |
| Cost of funding earning assets | 0.2839% | 4,220 |
| Net interest margin | 2.7934% | 5,299 |
| Noninterest income to average assets | 0.6200% | 2,553 |
| Noninterest expense to average assets | 1.9993% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2911% | 1,230 |
| Return on assets (ROA) | 1.2925% | 1,304 |
| Pretax return on assets | 1.2925% | 2,307 |
| Return on Equity (ROE) | 15.0932% | 614 |
| Retained earnings to average equity (ytd only) | 4.4582% | 2,738 |
| Net charge-offs to loans | -0.0082% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3189% | 4,533 |
| Assets per employee ($millions) | 5.6324% | 1,760 |
| Cash dividends to net income (ytd only)* | 70.4622% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8183% | 922 |
| Loan loss allowance to noncurrent loans | 938.7302% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,703 |
| Noncurrent loans to loans | 0.1937% | 4,462 |
| Net loans and leases to total assets | 56.6955% | 4,200 |
| Net loans and leases to deposits | 62.1766% | 4,528 |
| Net loans and leases to core deposits | 64.6041% | 4,605 |
| Total domestic deposits to total assets | 91.1846% | 226 |
| Equity capital to assets | 8.1826% | 5,480 |
| Core capital (leverage) ratio | 8.4480% | 5,319 |
| Tier 1 risk-based capital ratio | 13.9060% | 3,514 |
| Total risk-based capital ratio | 15.1621% | 3,425 |
| Memoranda: | ||
| Average total assets | $274,498,400 | 2,326 |
| Average earning assets | $262,406,400 | 2,263 |
| Average equity | $23,507,200 | 2,847 |
| Average total loans | $158,946,800 | 2,531 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 5,513 |
| Cost of funding earning assets | 0.2861% | 4,237 |
| Net interest margin | 2.7751% | 5,398 |
| Noninterest income to average assets | 0.6228% | 2,560 |
| Noninterest expense to average assets | 2.0064% | 5,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2716% | 1,381 |
| Return on assets (ROA) | 1.2741% | 1,473 |
| Pretax return on assets | 1.2741% | 2,530 |
| Return on Equity (ROE) | 14.7085% | 703 |
| Retained earnings to average equity (ytd only) | 3.4203% | 3,851 |
| Net charge-offs to loans | -0.0101% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7606% | 4,433 |
| Assets per employee ($millions) | 5.6147% | 1,750 |
| Cash dividends to net income (ytd only)* | 76.7460% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 977 |
| Loan loss allowance to noncurrent loans | 2,052.7778% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 5,030 |
| Noncurrent loans to loans | 0.0887% | 4,988 |
| Net loans and leases to total assets | 57.9292% | 4,102 |
| Net loans and leases to deposits | 64.1411% | 4,478 |
| Net loans and leases to core deposits | 67.1504% | 4,538 |
| Total domestic deposits to total assets | 90.3152% | 372 |
| Equity capital to assets | 8.7848% | 5,327 |
| Core capital (leverage) ratio | 8.3557% | 5,462 |
| Tier 1 risk-based capital ratio | 13.6753% | 3,758 |
| Total risk-based capital ratio | 14.9317% | 3,670 |
| Memoranda: | ||
| Average total assets | $272,717,500 | 2,347 |
| Average earning assets | $260,930,000 | 2,286 |
| Average equity | $23,623,000 | 2,854 |
| Average total loans | $158,027,500 | 2,549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0385% | 5,614 |
| Cost of funding earning assets | 0.2852% | 4,294 |
| Net interest margin | 2.7532% | 5,500 |
| Noninterest income to average assets | 0.5847% | 2,698 |
| Noninterest expense to average assets | 2.0021% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2166% | 1,542 |
| Return on assets (ROA) | 1.2166% | 1,637 |
| Pretax return on assets | 1.2166% | 2,715 |
| Return on Equity (ROE) | 14.1120% | 812 |
| Retained earnings to average equity (ytd only) | 1.3139% | 4,860 |
| Net charge-offs to loans | -0.0013% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7459% | 4,383 |
| Assets per employee ($millions) | 5.3624% | 1,924 |
| Cash dividends to net income (ytd only)* | 90.6892% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8321% | 1,025 |
| Loan loss allowance to noncurrent loans | 2,031.0345% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 5,107 |
| Noncurrent loans to loans | 0.0902% | 5,093 |
| Net loans and leases to total assets | 57.6990% | 4,146 |
| Net loans and leases to deposits | 63.8275% | 4,501 |
| Net loans and leases to core deposits | 66.7184% | 4,556 |
| Total domestic deposits to total assets | 90.3983% | 353 |
| Equity capital to assets | 8.7870% | 5,413 |
| Core capital (leverage) ratio | 8.3645% | 5,479 |
| Tier 1 risk-based capital ratio | 13.5778% | 3,853 |
| Total risk-based capital ratio | 14.8345% | 3,770 |
| Memoranda: | ||
| Average total assets | $271,916,000 | 2,365 |
| Average earning assets | $260,132,330 | 2,298 |
| Average equity | $23,441,000 | 2,878 |
| Average total loans | $156,592,670 | 2,566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0029% | 5,691 |
| Cost of funding earning assets | 0.2832% | 4,353 |
| Net interest margin | 2.7197% | 5,587 |
| Noninterest income to average assets | 0.5532% | 2,785 |
| Noninterest expense to average assets | 2.0625% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0976% | 1,913 |
| Return on assets (ROA) | 1.0976% | 2,010 |
| Pretax return on assets | 1.0976% | 3,102 |
| Return on Equity (ROE) | 12.8575% | 1,064 |
| Retained earnings to average equity (ytd only) | -4.4241% | 5,577 |
| Net charge-offs to loans | -0.0026% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7993% | 4,004 |
| Assets per employee ($millions) | 5.3624% | 1,965 |
| Cash dividends to net income (ytd only)* | 134.4086% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 959 |
| Loan loss allowance to noncurrent loans | 1,875.7962% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 5,133 |
| Noncurrent loans to loans | 0.1017% | 5,064 |
| Net loans and leases to total assets | 55.3642% | 4,316 |
| Net loans and leases to deposits | 61.2166% | 4,635 |
| Net loans and leases to core deposits | 63.7835% | 4,702 |
| Total domestic deposits to total assets | 90.4399% | 446 |
| Equity capital to assets | 8.4814% | 5,579 |
| Core capital (leverage) ratio | 8.1726% | 5,669 |
| Tier 1 risk-based capital ratio | 13.8252% | 3,796 |
| Total risk-based capital ratio | 15.0825% | 3,731 |
| Memoranda: | ||
| Average total assets | $271,132,500 | 2,375 |
| Average earning assets | $259,881,500 | 2,305 |
| Average equity | $23,146,000 | 2,910 |
| Average total loans | $154,518,000 | 2,591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0711% | 5,669 |
| Cost of funding earning assets | 0.2930% | 4,331 |
| Net interest margin | 2.7781% | 5,554 |
| Noninterest income to average assets | 0.6479% | 2,468 |
| Noninterest expense to average assets | 1.9907% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3123% | 1,237 |
| Return on assets (ROA) | 1.3123% | 1,289 |
| Pretax return on assets | 1.3123% | 2,232 |
| Return on Equity (ROE) | 15.4001% | 627 |
| Retained earnings to average equity (ytd only) | 6.1389% | 1,728 |
| Net charge-offs to loans | -0.0020% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8134% | 4,931 |
| Assets per employee ($millions) | 5.3757% | 1,927 |
| Cash dividends to net income (ytd only)* | 60.1375% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 951 |
| Loan loss allowance to noncurrent loans | 1,773.4940% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 5,127 |
| Noncurrent loans to loans | 0.1073% | 5,073 |
| Net loans and leases to total assets | 56.4529% | 4,259 |
| Net loans and leases to deposits | 62.3160% | 4,610 |
| Net loans and leases to core deposits | 65.0732% | 4,663 |
| Total domestic deposits to total assets | 90.5914% | 411 |
| Equity capital to assets | 8.5931% | 5,475 |
| Core capital (leverage) ratio | 8.3670% | 5,555 |
| Tier 1 risk-based capital ratio | 13.7951% | 3,829 |
| Total risk-based capital ratio | 15.0519% | 3,752 |
| Memoranda: | ||
| Average total assets | $266,093,800 | 2,375 |
| Average earning assets | $254,308,200 | 2,311 |
| Average equity | $22,675,200 | 2,908 |
| Average total loans | $153,469,000 | 2,549 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0342% | 5,779 |
| Cost of funding earning assets | 0.2967% | 4,377 |
| Net interest margin | 2.7375% | 5,684 |
| Noninterest income to average assets | 0.6490% | 2,490 |
| Noninterest expense to average assets | 1.9953% | 5,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2724% | 1,416 |
| Return on assets (ROA) | 1.2724% | 1,472 |
| Pretax return on assets | 1.2724% | 2,504 |
| Return on Equity (ROE) | 14.9636% | 730 |
| Retained earnings to average equity (ytd only) | 8.4654% | 1,067 |
| Net charge-offs to loans | -0.0017% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5995% | 4,801 |
| Assets per employee ($millions) | 5.3566% | 1,901 |
| Cash dividends to net income (ytd only)* | 43.4268% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9070% | 1,060 |
| Loan loss allowance to noncurrent loans | 1,772.8916% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 5,078 |
| Noncurrent loans to loans | 0.1076% | 5,203 |
| Net loans and leases to total assets | 56.5209% | 4,295 |
| Net loans and leases to deposits | 62.5330% | 4,677 |
| Net loans and leases to core deposits | 65.2441% | 4,744 |
| Total domestic deposits to total assets | 90.3857% | 433 |
| Equity capital to assets | 8.6671% | 5,597 |
| Core capital (leverage) ratio | 8.3763% | 5,646 |
| Tier 1 risk-based capital ratio | 13.8554% | 3,931 |
| Total risk-based capital ratio | 15.1125% | 3,873 |
| Memoranda: | ||
| Average total assets | $265,421,000 | 2,401 |
| Average earning assets | $253,898,250 | 2,328 |
| Average equity | $22,569,750 | 2,933 |
| Average total loans | $153,166,000 | 2,564 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0402% | 5,820 |
| Cost of funding earning assets | 0.2972% | 4,425 |
| Net interest margin | 2.7430% | 5,719 |
| Noninterest income to average assets | 0.6387% | 2,532 |
| Noninterest expense to average assets | 1.9931% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2682% | 1,406 |
| Return on assets (ROA) | 1.2682% | 1,466 |
| Pretax return on assets | 1.2682% | 2,480 |
| Return on Equity (ROE) | 15.0121% | 730 |
| Retained earnings to average equity (ytd only) | 9.6442% | 744 |
| Net charge-offs to loans | -0.0026% | 4,623 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6489% | 4,886 |
| Assets per employee ($millions) | 5.3898% | 1,844 |
| Cash dividends to net income (ytd only)* | 35.7569% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 1,115 |
| Loan loss allowance to noncurrent loans | 1,701.1561% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 5,176 |
| Noncurrent loans to loans | 0.1132% | 5,303 |
| Net loans and leases to total assets | 56.7628% | 4,248 |
| Net loans and leases to deposits | 62.6810% | 4,644 |
| Net loans and leases to core deposits | 65.3586% | 4,707 |
| Total domestic deposits to total assets | 90.5582% | 436 |
| Equity capital to assets | 8.5634% | 5,627 |
| Core capital (leverage) ratio | 8.3674% | 5,662 |
| Tier 1 risk-based capital ratio | 13.8820% | 3,986 |
| Total risk-based capital ratio | 15.1394% | 3,921 |
| Memoranda: | ||
| Average total assets | $264,618,000 | 2,415 |
| Average earning assets | $253,009,000 | 2,347 |
| Average equity | $22,355,330 | 2,965 |
| Average total loans | $152,780,330 | 2,584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0421% | 5,854 |
| Cost of funding earning assets | 0.2957% | 4,486 |
| Net interest margin | 2.7464% | 5,746 |
| Noninterest income to average assets | 0.5874% | 2,717 |
| Noninterest expense to average assets | 1.9828% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2277% | 1,469 |
| Return on assets (ROA) | 1.2277% | 1,563 |
| Pretax return on assets | 1.2277% | 2,558 |
| Return on Equity (ROE) | 14.6322% | 767 |
| Retained earnings to average equity (ytd only) | 14.6322% | 316 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2888% | 4,918 |
| Assets per employee ($millions) | 5.4896% | 1,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 1,217 |
| Loan loss allowance to noncurrent loans | 1,021.1806% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 5,077 |
| Noncurrent loans to loans | 0.1894% | 5,107 |
| Net loans and leases to total assets | 55.4285% | 4,268 |
| Net loans and leases to deposits | 61.1235% | 4,648 |
| Net loans and leases to core deposits | 63.6113% | 4,731 |
| Total domestic deposits to total assets | 90.6829% | 472 |
| Equity capital to assets | 8.4439% | 5,776 |
| Core capital (leverage) ratio | 8.2314% | 5,788 |
| Tier 1 risk-based capital ratio | 13.8070% | 4,145 |
| Total risk-based capital ratio | 15.0642% | 4,063 |
| Memoranda: | ||
| Average total assets | $264,876,500 | 2,429 |
| Average earning assets | $252,983,000 | 2,365 |
| Average equity | $22,225,000 | 2,998 |
| Average total loans | $152,743,500 | 2,584 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1655% | 5,872 |
| Cost of funding earning assets | 0.3297% | 4,493 |
| Net interest margin | 2.8357% | 5,758 |
| Noninterest income to average assets | 0.6266% | 2,702 |
| Noninterest expense to average assets | 2.1516% | 5,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1609% | 1,715 |
| Return on assets (ROA) | 1.1609% | 1,792 |
| Pretax return on assets | 1.1609% | 2,819 |
| Return on Equity (ROE) | 13.7210% | 988 |
| Retained earnings to average equity (ytd only) | 3.8229% | 3,494 |
| Net charge-offs to loans | 0.0670% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 29.1800% | 1,367 |
| Efficiency ratio | 64.4727% | 4,515 |
| Assets per employee ($millions) | 5.2153% | 2,057 |
| Cash dividends to net income (ytd only)* | 72.1385% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9166% | 1,281 |
| Loan loss allowance to noncurrent loans | 986.9128% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 5,109 |
| Noncurrent loans to loans | 0.1942% | 5,125 |
| Net loans and leases to total assets | 57.7183% | 4,085 |
| Net loans and leases to deposits | 63.4735% | 4,583 |
| Net loans and leases to core deposits | 66.1482% | 4,661 |
| Total domestic deposits to total assets | 90.9328% | 395 |
| Equity capital to assets | 8.3359% | 5,875 |
| Core capital (leverage) ratio | 8.1849% | 5,864 |
| Tier 1 risk-based capital ratio | 13.2677% | 4,554 |
| Total risk-based capital ratio | 14.5256% | 4,475 |
| Memoranda: | ||
| Average total assets | $251,350,400 | 2,512 |
| Average earning assets | $238,067,800 | 2,440 |
| Average equity | $21,266,600 | 3,023 |
| Average total loans | $149,300,600 | 2,582 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1419% | 5,967 |
| Cost of funding earning assets | 0.3348% | 4,520 |
| Net interest margin | 2.8070% | 5,860 |
| Noninterest income to average assets | 0.6875% | 2,393 |
| Noninterest expense to average assets | 2.2184% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1266% | 1,945 |
| Return on assets (ROA) | 1.1266% | 2,006 |
| Pretax return on assets | 1.1266% | 3,081 |
| Return on Equity (ROE) | 13.2643% | 1,146 |
| Retained earnings to average equity (ytd only) | 5.8819% | 2,478 |
| Net charge-offs to loans | 0.0917% | 2,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.6269% | 1,723 |
| Efficiency ratio | 65.8396% | 4,237 |
| Assets per employee ($millions) | 5.0266% | 2,207 |
| Cash dividends to net income (ytd only)* | 55.6558% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9698% | 1,307 |
| Loan loss allowance to noncurrent loans | 657.4944% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 5,125 |
| Noncurrent loans to loans | 0.2996% | 5,006 |
| Net loans and leases to total assets | 58.1950% | 4,045 |
| Net loans and leases to deposits | 64.6249% | 4,470 |
| Net loans and leases to core deposits | 67.3883% | 4,572 |
| Total domestic deposits to total assets | 90.0505% | 711 |
| Equity capital to assets | 8.7379% | 5,608 |
| Core capital (leverage) ratio | 8.3672% | 5,789 |
| Tier 1 risk-based capital ratio | 14.3113% | 4,021 |
| Total risk-based capital ratio | 15.5704% | 3,937 |
| Memoranda: | ||
| Average total assets | $248,996,750 | 2,548 |
| Average earning assets | $235,735,750 | 2,484 |
| Average equity | $21,149,000 | 3,043 |
| Average total loans | $148,263,250 | 2,605 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 6,025 |
| Cost of funding earning assets | 0.3359% | 4,577 |
| Net interest margin | 2.7943% | 5,922 |
| Noninterest income to average assets | 0.6752% | 2,401 |
| Noninterest expense to average assets | 2.2343% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0821% | 2,002 |
| Return on assets (ROA) | 1.0821% | 2,067 |
| Pretax return on assets | 1.0821% | 3,174 |
| Return on Equity (ROE) | 12.8650% | 1,211 |
| Retained earnings to average equity (ytd only) | 6.2170% | 2,204 |
| Net charge-offs to loans | 0.1054% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.2179% | 1,745 |
| Efficiency ratio | 66.8853% | 4,221 |
| Assets per employee ($millions) | 4.9579% | 2,274 |
| Cash dividends to net income (ytd only)* | 51.6754% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0061% | 1,347 |
| Loan loss allowance to noncurrent loans | 592.6000% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 4,958 |
| Noncurrent loans to loans | 0.3385% | 4,998 |
| Net loans and leases to total assets | 57.2410% | 4,084 |
| Net loans and leases to deposits | 63.5129% | 4,548 |
| Net loans and leases to core deposits | 66.1096% | 4,633 |
| Total domestic deposits to total assets | 90.1251% | 748 |
| Equity capital to assets | 8.5512% | 5,760 |
| Core capital (leverage) ratio | 8.3667% | 5,781 |
| Tier 1 risk-based capital ratio | 14.5364% | 3,906 |
| Total risk-based capital ratio | 15.7970% | 3,840 |
| Memoranda: | ||
| Average total assets | $248,219,330 | 2,561 |
| Average earning assets | $234,621,000 | 2,493 |
| Average equity | $20,878,330 | 3,074 |
| Average total loans | $147,951,000 | 2,611 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1240% | 6,090 |
| Cost of funding earning assets | 0.3376% | 4,669 |
| Net interest margin | 2.7864% | 5,961 |
| Noninterest income to average assets | 0.7174% | 2,095 |
| Noninterest expense to average assets | 2.2464% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1159% | 1,750 |
| Return on assets (ROA) | 1.1159% | 1,814 |
| Pretax return on assets | 1.1159% | 2,829 |
| Return on Equity (ROE) | 13.3811% | 1,064 |
| Retained earnings to average equity (ytd only) | -0.1560% | 5,581 |
| Net charge-offs to loans | 0.1810% | 1,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.2388% | 1,876 |
| Efficiency ratio | 66.3280% | 4,482 |
| Assets per employee ($millions) | 5.1105% | 2,116 |
| Cash dividends to net income (ytd only)* | 101.1662% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,460 |
| Loan loss allowance to noncurrent loans | 760.6138% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 5,192 |
| Noncurrent loans to loans | 0.2668% | 5,303 |
| Net loans and leases to total assets | 57.3390% | 3,946 |
| Net loans and leases to deposits | 63.1769% | 4,415 |
| Net loans and leases to core deposits | 65.7876% | 4,505 |
| Total domestic deposits to total assets | 90.7594% | 663 |
| Equity capital to assets | 8.2523% | 5,864 |
| Core capital (leverage) ratio | 8.1660% | 5,979 |
| Tier 1 risk-based capital ratio | 14.3342% | 4,107 |
| Total risk-based capital ratio | 15.5952% | 4,056 |
| Memoranda: | ||
| Average total assets | $245,903,000 | 2,590 |
| Average earning assets | $233,420,500 | 2,510 |
| Average equity | $20,506,500 | 3,118 |
| Average total loans | $148,077,500 | 2,614 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4833% | 5,675 |
| Cost of funding earning assets | 0.3783% | 4,857 |
| Net interest margin | 3.1050% | 5,293 |
| Noninterest income to average assets | 0.7499% | 2,291 |
| Noninterest expense to average assets | 2.1960% | 5,638 |
| Loan and lease loss provision to assets | 0.0042% | 5,035 |
| Net operating income to assets | 1.4665% | 884 |
| Return on assets (ROA) | 1.3519% | 1,173 |
| Pretax return on assets | 1.3519% | 1,960 |
| Return on Equity (ROE) | 15.7550% | 650 |
| Retained earnings to average equity (ytd only) | 4.8968% | 2,673 |
| Net charge-offs to loans | 0.0732% | 4,185 |
| Credit loss provision to net charge-offs | 9.4340% | 4,590 |
| Earnings coverage of net charge-offs (x) | 33.4151% | 1,082 |
| Efficiency ratio | 59.4383% | 5,549 |
| Assets per employee ($millions) | 4.9263% | 2,275 |
| Cash dividends to net income (ytd only)* | 68.9189% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 1,484 |
| Loan loss allowance to noncurrent loans | 495.2769% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 5,105 |
| Noncurrent loans to loans | 0.4104% | 4,980 |
| Net loans and leases to total assets | 60.7125% | 3,588 |
| Net loans and leases to deposits | 66.8805% | 4,192 |
| Net loans and leases to core deposits | 70.2755% | 4,266 |
| Total domestic deposits to total assets | 90.7776% | 669 |
| Equity capital to assets | 8.4295% | 5,659 |
| Core capital (leverage) ratio | 8.3423% | 5,830 |
| Tier 1 risk-based capital ratio | 14.2554% | 4,115 |
| Total risk-based capital ratio | 15.5167% | 4,048 |
| Memoranda: | ||
| Average total assets | $240,848,000 | 2,609 |
| Average earning assets | $226,247,800 | 2,555 |
| Average equity | $20,666,400 | 3,083 |
| Average total loans | $144,849,800 | 2,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5116% | 5,659 |
| Cost of funding earning assets | 0.3849% | 4,952 |
| Net interest margin | 3.1267% | 5,244 |
| Noninterest income to average assets | 0.7810% | 2,245 |
| Noninterest expense to average assets | 2.1580% | 5,706 |
| Loan and lease loss provision to assets | 0.0055% | 4,860 |
| Net operating income to assets | 1.5470% | 827 |
| Return on assets (ROA) | 1.3942% | 1,163 |
| Pretax return on assets | 1.3942% | 1,950 |
| Return on Equity (ROE) | 16.1762% | 630 |
| Retained earnings to average equity (ytd only) | 7.3265% | 1,721 |
| Net charge-offs to loans | -0.0009% | 5,653 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7101% | 5,724 |
| Assets per employee ($millions) | 4.8212% | 2,411 |
| Cash dividends to net income (ytd only)* | 54.7078% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1618% | 1,395 |
| Loan loss allowance to noncurrent loans | 604.2226% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 5,201 |
| Noncurrent loans to loans | 0.3578% | 5,319 |
| Net loans and leases to total assets | 59.1025% | 3,839 |
| Net loans and leases to deposits | 65.3838% | 4,371 |
| Net loans and leases to core deposits | 69.0419% | 4,427 |
| Total domestic deposits to total assets | 90.3932% | 792 |
| Equity capital to assets | 8.5668% | 5,664 |
| Core capital (leverage) ratio | 8.3433% | 5,924 |
| Tier 1 risk-based capital ratio | 14.7177% | 3,938 |
| Total risk-based capital ratio | 15.9805% | 3,890 |
| Memoranda: | ||
| Average total assets | $240,712,500 | 2,638 |
| Average earning assets | $225,532,500 | 2,571 |
| Average equity | $20,746,000 | 3,105 |
| Average total loans | $143,663,500 | 2,661 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 5,579 |
| Cost of funding earning assets | 0.3892% | 5,038 |
| Net interest margin | 3.1653% | 5,068 |
| Noninterest income to average assets | 0.8537% | 1,985 |
| Noninterest expense to average assets | 2.2577% | 5,482 |
| Loan and lease loss provision to assets | 0.0083% | 4,690 |
| Net operating income to assets | 1.5486% | 821 |
| Return on assets (ROA) | 1.4298% | 1,107 |
| Pretax return on assets | 1.4298% | 1,836 |
| Return on Equity (ROE) | 16.5562% | 596 |
| Retained earnings to average equity (ytd only) | 10.1744% | 809 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7492% | 5,634 |
| Assets per employee ($millions) | 4.8315% | 2,323 |
| Cash dividends to net income (ytd only)* | 38.5465% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2042% | 1,411 |
| Loan loss allowance to noncurrent loans | 992.7445% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 5,485 |
| Noncurrent loans to loans | 0.2220% | 5,748 |
| Net loans and leases to total assets | 57.7975% | 4,024 |
| Net loans and leases to deposits | 64.0540% | 4,493 |
| Net loans and leases to core deposits | 67.9914% | 4,500 |
| Total domestic deposits to total assets | 90.2325% | 895 |
| Equity capital to assets | 8.4752% | 5,790 |
| Core capital (leverage) ratio | 8.4056% | 5,765 |
| Tier 1 risk-based capital ratio | 15.0023% | 3,775 |
| Total risk-based capital ratio | 16.2663% | 3,735 |
| Memoranda: | ||
| Average total assets | $240,597,000 | 2,644 |
| Average earning assets | $225,066,000 | 2,585 |
| Average equity | $20,777,670 | 3,122 |
| Average total loans | $143,011,330 | 2,670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 5,330 |
| Cost of funding earning assets | 0.3973% | 5,131 |
| Net interest margin | 3.2464% | 4,740 |
| Noninterest income to average assets | 0.8729% | 1,855 |
| Noninterest expense to average assets | 2.2657% | 5,516 |
| Loan and lease loss provision to assets | 0.0167% | 4,255 |
| Net operating income to assets | 1.6126% | 689 |
| Return on assets (ROA) | 1.3844% | 1,146 |
| Pretax return on assets | 1.3844% | 1,910 |
| Return on Equity (ROE) | 15.8819% | 630 |
| Retained earnings to average equity (ytd only) | 15.8819% | 290 |
| Net charge-offs to loans | -0.0112% | 5,487 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7417% | 5,881 |
| Assets per employee ($millions) | 4.8075% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2275% | 1,532 |
| Loan loss allowance to noncurrent loans | 981.6199% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 5,339 |
| Noncurrent loans to loans | 0.2269% | 5,849 |
| Net loans and leases to total assets | 57.5393% | 3,838 |
| Net loans and leases to deposits | 63.6750% | 4,358 |
| Net loans and leases to core deposits | 66.8156% | 4,431 |
| Total domestic deposits to total assets | 90.3641% | 841 |
| Equity capital to assets | 8.9012% | 5,612 |
| Core capital (leverage) ratio | 8.2755% | 5,851 |
| Tier 1 risk-based capital ratio | 14.8579% | 3,934 |
| Total risk-based capital ratio | 16.1217% | 3,887 |
| Memoranda: | ||
| Average total assets | $240,107,500 | 2,670 |
| Average earning assets | $223,511,500 | 2,631 |
| Average equity | $20,929,500 | 3,141 |
| Average total loans | $143,131,000 | 2,676 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 5,939 |
| Cost of funding earning assets | 0.5062% | 5,172 |
| Net interest margin | 3.2482% | 5,434 |
| Noninterest income to average assets | 0.8392% | 2,085 |
| Noninterest expense to average assets | 2.1075% | 6,108 |
| Loan and lease loss provision to assets | 0.0771% | 4,745 |
| Net operating income to assets | 1.6716% | 654 |
| Return on assets (ROA) | 1.6716% | 732 |
| Pretax return on assets | 1.6716% | 1,205 |
| Return on Equity (ROE) | 18.8112% | 372 |
| Retained earnings to average equity (ytd only) | 2.2743% | 4,639 |
| Net charge-offs to loans | 0.1191% | 4,500 |
| Credit loss provision to net charge-offs | 104.0462% | 2,876 |
| Earnings coverage of net charge-offs (x) | 23.6069% | 1,211 |
| Efficiency ratio | 54.6525% | 6,208 |
| Assets per employee ($millions) | 4.7968% | 2,500 |
| Cash dividends to net income (ytd only)* | 87.9098% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 1,610 |
| Loan loss allowance to noncurrent loans | 925.3687% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 5,177 |
| Noncurrent loans to loans | 0.2341% | 5,895 |
| Net loans and leases to total assets | 59.0660% | 3,780 |
| Net loans and leases to deposits | 65.2161% | 4,388 |
| Net loans and leases to core deposits | 68.5279% | 4,477 |
| Total domestic deposits to total assets | 90.5696% | 673 |
| Equity capital to assets | 8.5319% | 6,024 |
| Core capital (leverage) ratio | 8.2664% | 5,924 |
| Tier 1 risk-based capital ratio | 14.6580% | 3,926 |
| Total risk-based capital ratio | 15.9221% | 3,876 |
| Memoranda: | ||
| Average total assets | $233,544,200 | 2,692 |
| Average earning assets | $216,920,200 | 2,643 |
| Average equity | $20,753,600 | 3,109 |
| Average total loans | $145,283,000 | 2,648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8002% | 6,029 |
| Cost of funding earning assets | 0.5202% | 5,306 |
| Net interest margin | 3.2800% | 5,455 |
| Noninterest income to average assets | 0.8047% | 2,218 |
| Noninterest expense to average assets | 2.0295% | 6,305 |
| Loan and lease loss provision to assets | 0.0862% | 4,526 |
| Net operating income to assets | 1.7370% | 645 |
| Return on assets (ROA) | 1.7370% | 710 |
| Pretax return on assets | 1.7370% | 1,189 |
| Return on Equity (ROE) | 19.3469% | 376 |
| Retained earnings to average equity (ytd only) | 6.1715% | 2,585 |
| Net charge-offs to loans | 0.0926% | 4,449 |
| Credit loss provision to net charge-offs | 148.5149% | 1,911 |
| Earnings coverage of net charge-offs (x) | 31.4067% | 1,065 |
| Efficiency ratio | 52.6779% | 6,385 |
| Assets per employee ($millions) | 4.7031% | 2,598 |
| Cash dividends to net income (ytd only)* | 68.1006% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2015% | 1,702 |
| Loan loss allowance to noncurrent loans | 305.0864% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 4,745 |
| Noncurrent loans to loans | 0.7216% | 4,988 |
| Net loans and leases to total assets | 61.2816% | 3,517 |
| Net loans and leases to deposits | 68.1110% | 4,165 |
| Net loans and leases to core deposits | 71.6997% | 4,291 |
| Total domestic deposits to total assets | 89.9731% | 860 |
| Equity capital to assets | 9.2740% | 5,502 |
| Core capital (leverage) ratio | 8.3586% | 5,937 |
| Tier 1 risk-based capital ratio | 15.0972% | 3,776 |
| Total risk-based capital ratio | 16.3618% | 3,718 |
| Memoranda: | ||
| Average total assets | $231,969,750 | 2,730 |
| Average earning assets | $215,563,750 | 2,689 |
| Average equity | $20,826,250 | 3,133 |
| Average total loans | $145,403,250 | 2,667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 6,025 |
| Cost of funding earning assets | 0.5292% | 5,433 |
| Net interest margin | 3.3243% | 5,374 |
| Noninterest income to average assets | 0.7803% | 2,289 |
| Noninterest expense to average assets | 2.1439% | 6,144 |
| Loan and lease loss provision to assets | 0.0860% | 4,512 |
| Net operating income to assets | 1.6363% | 776 |
| Return on assets (ROA) | 1.6363% | 861 |
| Pretax return on assets | 1.6363% | 1,431 |
| Return on Equity (ROE) | 18.4264% | 460 |
| Retained earnings to average equity (ytd only) | 8.6513% | 1,398 |
| Net charge-offs to loans | 0.0412% | 4,800 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 66.7333% | 585 |
| Efficiency ratio | 55.4517% | 6,180 |
| Assets per employee ($millions) | 4.7568% | 2,498 |
| Cash dividends to net income (ytd only)* | 53.0494% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2238% | 1,719 |
| Loan loss allowance to noncurrent loans | 399.5006% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 5,122 |
| Noncurrent loans to loans | 0.5566% | 5,404 |
| Net loans and leases to total assets | 60.3639% | 3,756 |
| Net loans and leases to deposits | 67.0393% | 4,357 |
| Net loans and leases to core deposits | 71.1750% | 4,394 |
| Total domestic deposits to total assets | 90.0426% | 899 |
| Equity capital to assets | 9.0423% | 5,658 |
| Core capital (leverage) ratio | 8.4870% | 5,666 |
| Tier 1 risk-based capital ratio | 15.2329% | 3,610 |
| Total risk-based capital ratio | 16.4987% | 3,571 |
| Memoranda: | ||
| Average total assets | $232,476,000 | 2,728 |
| Average earning assets | $215,803,670 | 2,690 |
| Average equity | $20,644,330 | 3,146 |
| Average total loans | $145,736,670 | 2,676 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 6,115 |
| Cost of funding earning assets | 0.5536% | 5,473 |
| Net interest margin | 3.3067% | 5,448 |
| Noninterest income to average assets | 0.8115% | 2,114 |
| Noninterest expense to average assets | 1.9606% | 6,535 |
| Loan and lease loss provision to assets | 0.1292% | 3,731 |
| Net operating income to assets | 1.7883% | 610 |
| Return on assets (ROA) | 1.7883% | 684 |
| Pretax return on assets | 1.7883% | 1,100 |
| Return on Equity (ROE) | 20.3245% | 371 |
| Retained earnings to average equity (ytd only) | 12.7665% | 718 |
| Net charge-offs to loans | -0.0573% | 6,580 |
| Credit loss provision to net charge-offs | -357.1429% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5553% | 6,632 |
| Assets per employee ($millions) | 4.8945% | 2,395 |
| Cash dividends to net income (ytd only)* | 37.1869% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,812 |
| Loan loss allowance to noncurrent loans | 335.3430% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 5,387 |
| Noncurrent loans to loans | 0.6667% | 5,317 |
| Net loans and leases to total assets | 60.0441% | 3,661 |
| Net loans and leases to deposits | 66.2652% | 4,333 |
| Net loans and leases to core deposits | 70.2234% | 4,378 |
| Total domestic deposits to total assets | 90.6118% | 739 |
| Equity capital to assets | 8.8565% | 5,686 |
| Core capital (leverage) ratio | 8.3468% | 5,814 |
| Tier 1 risk-based capital ratio | 14.9763% | 3,778 |
| Total risk-based capital ratio | 16.2418% | 3,724 |
| Memoranda: | ||
| Average total assets | $232,172,500 | 2,747 |
| Average earning assets | $215,320,500 | 2,702 |
| Average equity | $20,428,500 | 3,173 |
| Average total loans | $146,656,000 | 2,681 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 6,288 |
| Cost of funding earning assets | 0.7431% | 5,257 |
| Net interest margin | 3.3521% | 5,643 |
| Noninterest income to average assets | 0.6823% | 2,706 |
| Noninterest expense to average assets | 2.0523% | 6,579 |
| Loan and lease loss provision to assets | 0.2215% | 3,981 |
| Net operating income to assets | 1.5605% | 733 |
| Return on assets (ROA) | 1.2698% | 1,426 |
| Pretax return on assets | 1.2698% | 2,238 |
| Return on Equity (ROE) | 14.6970% | 800 |
| Retained earnings to average equity (ytd only) | 2.8973% | 4,182 |
| Net charge-offs to loans | 0.0317% | 6,006 |
| Credit loss provision to net charge-offs | 1,063.8298% | 210 |
| Earnings coverage of net charge-offs (x) | 85.5745% | 344 |
| Efficiency ratio | 53.5244% | 6,560 |
| Assets per employee ($millions) | 4.7794% | 2,475 |
| Cash dividends to net income (ytd only)* | 80.2861% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1004% | 2,005 |
| Loan loss allowance to noncurrent loans | 343.2018% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 5,462 |
| Noncurrent loans to loans | 0.6120% | 5,489 |
| Net loans and leases to total assets | 63.5942% | 3,267 |
| Net loans and leases to deposits | 70.4387% | 4,029 |
| Net loans and leases to core deposits | 73.2665% | 4,340 |
| Total domestic deposits to total assets | 90.2829% | 829 |
| Equity capital to assets | 8.7398% | 5,858 |
| Core capital (leverage) ratio | 8.3205% | 5,829 |
| Tier 1 risk-based capital ratio | 14.2178% | 4,165 |
| Total risk-based capital ratio | 15.4819% | 4,116 |
| Memoranda: | ||
| Average total assets | $225,697,800 | 2,777 |
| Average earning assets | $212,226,800 | 2,708 |
| Average equity | $19,500,600 | 3,212 |
| Average total loans | $148,112,000 | 2,670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1069% | 6,398 |
| Cost of funding earning assets | 0.7877% | 5,233 |
| Net interest margin | 3.3193% | 5,810 |
| Noninterest income to average assets | 0.7118% | 2,534 |
| Noninterest expense to average assets | 2.0056% | 6,678 |
| Loan and lease loss provision to assets | 0.2669% | 3,374 |
| Net operating income to assets | 1.5690% | 817 |
| Return on assets (ROA) | 1.2765% | 1,542 |
| Pretax return on assets | 1.2765% | 2,373 |
| Return on Equity (ROE) | 14.8181% | 862 |
| Retained earnings to average equity (ytd only) | 3.7459% | 4,082 |
| Net charge-offs to loans | 0.0307% | 5,715 |
| Credit loss provision to net charge-offs | 1,323.5294% | 206 |
| Earnings coverage of net charge-offs (x) | 91.0338% | 393 |
| Efficiency ratio | 52.2082% | 6,657 |
| Assets per employee ($millions) | 4.6029% | 2,749 |
| Cash dividends to net income (ytd only)* | 74.7214% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0858% | 2,101 |
| Loan loss allowance to noncurrent loans | 370.4192% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 4,933 |
| Noncurrent loans to loans | 0.5631% | 5,741 |
| Net loans and leases to total assets | 64.3766% | 3,236 |
| Net loans and leases to deposits | 71.6192% | 4,041 |
| Net loans and leases to core deposits | 74.7584% | 4,347 |
| Total domestic deposits to total assets | 89.8874% | 931 |
| Equity capital to assets | 8.8521% | 5,916 |
| Core capital (leverage) ratio | 8.1432% | 6,219 |
| Tier 1 risk-based capital ratio | 13.8245% | 4,483 |
| Total risk-based capital ratio | 15.0878% | 4,434 |
| Memoranda: | ||
| Average total assets | $224,769,500 | 2,791 |
| Average earning assets | $211,928,250 | 2,717 |
| Average equity | $19,363,250 | 3,233 |
| Average total loans | $147,884,500 | 2,691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 6,401 |
| Cost of funding earning assets | 0.8257% | 5,210 |
| Net interest margin | 3.3162% | 5,811 |
| Noninterest income to average assets | 0.6476% | 2,858 |
| Noninterest expense to average assets | 2.1638% | 6,475 |
| Loan and lease loss provision to assets | 0.2672% | 3,264 |
| Net operating income to assets | 1.3398% | 1,217 |
| Return on assets (ROA) | 1.3451% | 1,280 |
| Pretax return on assets | 1.3451% | 1,979 |
| Return on Equity (ROE) | 15.7598% | 696 |
| Retained earnings to average equity (ytd only) | 7.3998% | 1,696 |
| Net charge-offs to loans | 0.0487% | 5,169 |
| Credit loss provision to net charge-offs | 833.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 50.1111% | 623 |
| Efficiency ratio | 57.3825% | 6,245 |
| Assets per employee ($millions) | 4.6109% | 2,671 |
| Cash dividends to net income (ytd only)* | 53.0464% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 2,471 |
| Loan loss allowance to noncurrent loans | 315.2197% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 4,566 |
| Noncurrent loans to loans | 0.6230% | 5,679 |
| Net loans and leases to total assets | 64.9842% | 3,260 |
| Net loans and leases to deposits | 72.1637% | 4,085 |
| Net loans and leases to core deposits | 75.9187% | 4,327 |
| Total domestic deposits to total assets | 90.0510% | 950 |
| Equity capital to assets | 8.7491% | 5,874 |
| Core capital (leverage) ratio | 8.3637% | 5,765 |
| Tier 1 risk-based capital ratio | 13.4950% | 4,529 |
| Total risk-based capital ratio | 14.7556% | 4,502 |
| Memoranda: | ||
| Average total assets | $224,512,670 | 2,810 |
| Average earning assets | $211,448,000 | 2,742 |
| Average equity | $19,162,670 | 3,253 |
| Average total loans | $147,750,000 | 2,722 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1759% | 6,334 |
| Cost of funding earning assets | 0.8595% | 5,212 |
| Net interest margin | 3.3164% | 5,720 |
| Noninterest income to average assets | 0.5487% | 3,523 |
| Noninterest expense to average assets | 2.1608% | 6,513 |
| Loan and lease loss provision to assets | 0.2681% | 2,995 |
| Net operating income to assets | 1.2368% | 1,435 |
| Return on assets (ROA) | 1.2368% | 1,489 |
| Pretax return on assets | 1.2368% | 2,244 |
| Return on Equity (ROE) | 14.6762% | 874 |
| Retained earnings to average equity (ytd only) | 8.0804% | 1,703 |
| Net charge-offs to loans | -0.0082% | 6,314 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9469% | 6,135 |
| Assets per employee ($millions) | 4.5953% | 2,739 |
| Cash dividends to net income (ytd only)* | 44.9422% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 2,527 |
| Loan loss allowance to noncurrent loans | 99.7884% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 2.1033% | 3,188 |
| Noncurrent loans to loans | 1.9601% | 3,627 |
| Net loans and leases to total assets | 63.0001% | 3,662 |
| Net loans and leases to deposits | 69.2758% | 4,477 |
| Net loans and leases to core deposits | 73.2659% | 4,622 |
| Total domestic deposits to total assets | 90.9410% | 657 |
| Equity capital to assets | 8.4985% | 5,910 |
| Core capital (leverage) ratio | 8.1937% | 5,977 |
| Tier 1 risk-based capital ratio | 13.3846% | 4,516 |
| Total risk-based capital ratio | 14.6448% | 4,490 |
| Memoranda: | ||
| Average total assets | $223,803,000 | 2,838 |
| Average earning assets | $210,349,000 | 2,780 |
| Average equity | $18,860,500 | 3,273 |
| Average total loans | $146,744,500 | 2,759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 6,041 |
| Cost of funding earning assets | 1.1355% | 4,931 |
| Net interest margin | 3.4890% | 5,286 |
| Noninterest income to average assets | 0.8087% | 2,238 |
| Noninterest expense to average assets | 2.1287% | 6,776 |
| Loan and lease loss provision to assets | 0.6865% | 2,392 |
| Net operating income to assets | 1.2788% | 1,228 |
| Return on assets (ROA) | 1.2788% | 1,288 |
| Pretax return on assets | 1.2788% | 1,990 |
| Return on Equity (ROE) | 14.9604% | 722 |
| Retained earnings to average equity (ytd only) | 2.4363% | 4,172 |
| Net charge-offs to loans | 0.5431% | 3,435 |
| Credit loss provision to net charge-offs | 179.4258% | 1,842 |
| Earnings coverage of net charge-offs (x) | 5.1364% | 2,706 |
| Efficiency ratio | 51.9955% | 6,989 |
| Assets per employee ($millions) | 4.5396% | 2,796 |
| Cash dividends to net income (ytd only)* | 83.7151% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 2,869 |
| Loan loss allowance to noncurrent loans | 85.7463% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.9205% | 3,447 |
| Noncurrent loans to loans | 2.0981% | 3,439 |
| Net loans and leases to total assets | 65.6929% | 3,525 |
| Net loans and leases to deposits | 72.1610% | 4,492 |
| Net loans and leases to core deposits | 74.4345% | 4,925 |
| Total domestic deposits to total assets | 91.0366% | 584 |
| Equity capital to assets | 8.3551% | 6,066 |
| Core capital (leverage) ratio | 8.1422% | 5,923 |
| Tier 1 risk-based capital ratio | 12.7741% | 4,793 |
| Total risk-based capital ratio | 14.0320% | 4,754 |
| Memoranda: | ||
| Average total assets | $218,487,800 | 2,889 |
| Average earning assets | $205,732,200 | 2,800 |
| Average equity | $18,676,000 | 3,319 |
| Average total loans | $153,922,200 | 2,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6431% | 6,220 |
| Cost of funding earning assets | 1.1962% | 4,887 |
| Net interest margin | 3.4469% | 5,504 |
| Noninterest income to average assets | 0.7534% | 2,487 |
| Noninterest expense to average assets | 2.0235% | 7,007 |
| Loan and lease loss provision to assets | 0.6130% | 2,489 |
| Net operating income to assets | 1.3670% | 1,178 |
| Return on assets (ROA) | 1.3670% | 1,259 |
| Pretax return on assets | 1.3670% | 1,980 |
| Return on Equity (ROE) | 15.9008% | 717 |
| Retained earnings to average equity (ytd only) | 5.2908% | 2,783 |
| Net charge-offs to loans | 0.5953% | 2,955 |
| Credit loss provision to net charge-offs | 144.3001% | 2,725 |
| Earnings coverage of net charge-offs (x) | 4.6609% | 2,957 |
| Efficiency ratio | 50.5436% | 7,113 |
| Assets per employee ($millions) | 4.5930% | 2,760 |
| Cash dividends to net income (ytd only)* | 66.7264% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 3,768 |
| Loan loss allowance to noncurrent loans | 63.3534% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.8502% | 3,681 |
| Noncurrent loans to loans | 2.4324% | 3,198 |
| Net loans and leases to total assets | 67.2361% | 3,401 |
| Net loans and leases to deposits | 74.4536% | 4,435 |
| Net loans and leases to core deposits | 76.2954% | 5,021 |
| Total domestic deposits to total assets | 90.3059% | 721 |
| Equity capital to assets | 8.8676% | 5,746 |
| Core capital (leverage) ratio | 8.1713% | 6,082 |
| Tier 1 risk-based capital ratio | 12.9372% | 4,623 |
| Total risk-based capital ratio | 14.1919% | 4,601 |
| Memoranda: | ||
| Average total assets | $217,500,250 | 2,948 |
| Average earning assets | $205,087,250 | 2,852 |
| Average equity | $18,698,750 | 3,357 |
| Average total loans | $155,202,000 | 2,724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6907% | 6,171 |
| Cost of funding earning assets | 1.2494% | 4,834 |
| Net interest margin | 3.4413% | 5,477 |
| Noninterest income to average assets | 0.6069% | 3,288 |
| Noninterest expense to average assets | 2.1154% | 6,851 |
| Loan and lease loss provision to assets | 0.3695% | 3,491 |
| Net operating income to assets | 1.3634% | 1,166 |
| Return on assets (ROA) | 1.3634% | 1,236 |
| Pretax return on assets | 1.3634% | 1,911 |
| Return on Equity (ROE) | 16.0304% | 695 |
| Retained earnings to average equity (ytd only) | 4.9742% | 2,918 |
| Net charge-offs to loans | 0.6290% | 2,655 |
| Credit loss provision to net charge-offs | 81.1359% | 4,674 |
| Earnings coverage of net charge-offs (x) | 3.8053% | 3,173 |
| Efficiency ratio | 54.9688% | 6,769 |
| Assets per employee ($millions) | 4.6986% | 2,586 |
| Cash dividends to net income (ytd only)* | 68.9702% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,296 |
| Loan loss allowance to noncurrent loans | 46.6699% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.0518% | 3,443 |
| Noncurrent loans to loans | 2.6339% | 3,004 |
| Net loans and leases to total assets | 69.8600% | 2,934 |
| Net loans and leases to deposits | 77.1686% | 4,132 |
| Net loans and leases to core deposits | 79.9438% | 4,699 |
| Total domestic deposits to total assets | 90.5290% | 674 |
| Equity capital to assets | 8.5585% | 6,087 |
| Core capital (leverage) ratio | 8.2219% | 5,906 |
| Tier 1 risk-based capital ratio | 11.9671% | 5,340 |
| Total risk-based capital ratio | 13.2176% | 5,308 |
| Memoranda: | ||
| Average total assets | $216,512,000 | 2,976 |
| Average earning assets | $203,937,000 | 2,888 |
| Average equity | $18,415,000 | 3,390 |
| Average total loans | $156,752,000 | 2,741 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5841% | 6,599 |
| Cost of funding earning assets | 1.3061% | 4,779 |
| Net interest margin | 3.2780% | 6,056 |
| Noninterest income to average assets | 0.6158% | 3,163 |
| Noninterest expense to average assets | 2.1292% | 6,862 |
| Loan and lease loss provision to assets | 0.2799% | 3,792 |
| Net operating income to assets | 1.2932% | 1,317 |
| Return on assets (ROA) | 1.2932% | 1,389 |
| Pretax return on assets | 1.2932% | 2,066 |
| Return on Equity (ROE) | 15.2538% | 828 |
| Retained earnings to average equity (ytd only) | -0.3962% | 5,923 |
| Net charge-offs to loans | 0.9552% | 1,701 |
| Credit loss provision to net charge-offs | 40.0000% | 4,641 |
| Earnings coverage of net charge-offs (x) | 2.2480% | 3,415 |
| Efficiency ratio | 57.5101% | 6,562 |
| Assets per employee ($millions) | 4.7085% | 2,635 |
| Cash dividends to net income (ytd only)* | 102.5974% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,768 |
| Loan loss allowance to noncurrent loans | 38.5428% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.3427% | 3,101 |
| Noncurrent loans to loans | 2.9874% | 2,688 |
| Net loans and leases to total assets | 70.8697% | 2,727 |
| Net loans and leases to deposits | 78.0390% | 4,030 |
| Net loans and leases to core deposits | 80.3474% | 4,723 |
| Total domestic deposits to total assets | 90.8131% | 611 |
| Equity capital to assets | 8.4343% | 6,097 |
| Core capital (leverage) ratio | 8.2465% | 5,838 |
| Tier 1 risk-based capital ratio | 11.6824% | 5,505 |
| Total risk-based capital ratio | 12.8725% | 5,516 |
| Memoranda: | ||
| Average total assets | $214,351,500 | 3,051 |
| Average earning assets | $201,827,500 | 2,966 |
| Average equity | $18,172,500 | 3,453 |
| Average total loans | $157,031,000 | 2,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8646% | 6,797 |
| Cost of funding earning assets | 1.6603% | 4,731 |
| Net interest margin | 3.2043% | 6,075 |
| Noninterest income to average assets | 0.8598% | 2,143 |
| Noninterest expense to average assets | 2.1193% | 7,143 |
| Loan and lease loss provision to assets | 0.4485% | 4,138 |
| Net operating income to assets | 1.3184% | 1,003 |
| Return on assets (ROA) | 1.2735% | 1,146 |
| Pretax return on assets | 1.2735% | 1,771 |
| Return on Equity (ROE) | 14.8983% | 684 |
| Retained earnings to average equity (ytd only) | 3.8981% | 2,483 |
| Net charge-offs to loans | 0.6117% | 3,378 |
| Credit loss provision to net charge-offs | 95.6790% | 5,792 |
| Earnings coverage of net charge-offs (x) | 3.7695% | 3,207 |
| Efficiency ratio | 54.5353% | 7,171 |
| Assets per employee ($millions) | 4.6111% | 2,746 |
| Cash dividends to net income (ytd only)* | 73.8357% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 4,950 |
| Loan loss allowance to noncurrent loans | 46.2440% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 3,058 |
| Noncurrent loans to loans | 2.7416% | 2,819 |
| Net loans and leases to total assets | 73.9061% | 2,294 |
| Net loans and leases to deposits | 81.5361% | 3,689 |
| Net loans and leases to core deposits | 91.4795% | 4,951 |
| Total domestic deposits to total assets | 90.6422% | 677 |
| Equity capital to assets | 8.5224% | 5,847 |
| Core capital (leverage) ratio | 8.4333% | 5,382 |
| Tier 1 risk-based capital ratio | 11.2518% | 5,661 |
| Total risk-based capital ratio | 12.5025% | 5,617 |
| Memoranda: | ||
| Average total assets | $207,377,200 | 3,091 |
| Average earning assets | $195,864,400 | 3,020 |
| Average equity | $17,726,800 | 3,540 |
| Average total loans | $158,911,200 | 2,779 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8358% | 7,035 |
| Cost of funding earning assets | 1.7260% | 4,768 |
| Net interest margin | 3.1098% | 6,290 |
| Noninterest income to average assets | 0.9104% | 1,935 |
| Noninterest expense to average assets | 2.1746% | 7,039 |
| Loan and lease loss provision to assets | 0.2134% | 5,276 |
| Net operating income to assets | 1.4665% | 886 |
| Return on assets (ROA) | 1.4665% | 941 |
| Pretax return on assets | 1.4665% | 1,499 |
| Return on Equity (ROE) | 17.1431% | 537 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,238 |
| Net charge-offs to loans | 0.2005% | 4,806 |
| Credit loss provision to net charge-offs | 138.0753% | 3,585 |
| Earnings coverage of net charge-offs (x) | 10.8702% | 1,908 |
| Efficiency ratio | 56.4167% | 6,943 |
| Assets per employee ($millions) | 4.5115% | 2,843 |
| Cash dividends to net income (ytd only)* | 68.3424% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,182 |
| Loan loss allowance to noncurrent loans | 41.5248% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.6902% | 2,591 |
| Noncurrent loans to loans | 3.2591% | 2,327 |
| Net loans and leases to total assets | 75.3763% | 2,139 |
| Net loans and leases to deposits | 86.4648% | 3,237 |
| Net loans and leases to core deposits | 96.7983% | 4,728 |
| Total domestic deposits to total assets | 87.1757% | 2,089 |
| Equity capital to assets | 8.7916% | 5,814 |
| Core capital (leverage) ratio | 8.4457% | 5,586 |
| Tier 1 risk-based capital ratio | 11.3625% | 5,580 |
| Total risk-based capital ratio | 12.6139% | 5,514 |
| Memoranda: | ||
| Average total assets | $206,193,750 | 3,123 |
| Average earning assets | $195,207,000 | 3,055 |
| Average equity | $17,639,250 | 3,588 |
| Average total loans | $158,945,000 | 2,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9479% | 6,926 |
| Cost of funding earning assets | 1.8056% | 4,728 |
| Net interest margin | 3.1423% | 6,116 |
| Noninterest income to average assets | 1.0255% | 1,513 |
| Noninterest expense to average assets | 2.2007% | 7,053 |
| Loan and lease loss provision to assets | 0.1750% | 5,297 |
| Net operating income to assets | 1.6204% | 653 |
| Return on assets (ROA) | 1.6204% | 721 |
| Pretax return on assets | 1.6204% | 1,169 |
| Return on Equity (ROE) | 19.1199% | 393 |
| Retained earnings to average equity (ytd only) | 15.6790% | 173 |
| Net charge-offs to loans | 0.2565% | 3,912 |
| Credit loss provision to net charge-offs | 88.2353% | 4,974 |
| Earnings coverage of net charge-offs (x) | 9.0539% | 2,184 |
| Efficiency ratio | 55.0718% | 7,221 |
| Assets per employee ($millions) | 4.4412% | 2,856 |
| Cash dividends to net income (ytd only)* | 17.9964% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 4,309 |
| Loan loss allowance to noncurrent loans | 102.0090% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 1.1581% | 4,625 |
| Noncurrent loans to loans | 1.2679% | 4,667 |
| Net loans and leases to total assets | 75.8702% | 2,212 |
| Net loans and leases to deposits | 85.5290% | 3,642 |
| Net loans and leases to core deposits | 95.0978% | 4,996 |
| Total domestic deposits to total assets | 88.7070% | 1,431 |
| Equity capital to assets | 8.8876% | 5,471 |
| Core capital (leverage) ratio | 8.9978% | 4,636 |
| Tier 1 risk-based capital ratio | 11.9288% | 4,978 |
| Total risk-based capital ratio | 13.1795% | 4,895 |
| Memoranda: | ||
| Average total assets | $205,749,000 | 3,155 |
| Average earning assets | $194,506,000 | 3,082 |
| Average equity | $17,437,330 | 3,631 |
| Average total loans | $159,069,000 | 2,839 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 6,342 |
| Cost of funding earning assets | 1.9614% | 4,326 |
| Net interest margin | 3.2259% | 5,775 |
| Noninterest income to average assets | 1.0829% | 1,274 |
| Noninterest expense to average assets | 2.2530% | 6,682 |
| Loan and lease loss provision to assets | 0.1744% | 4,717 |
| Net operating income to assets | 1.7048% | 639 |
| Return on assets (ROA) | 1.6932% | 721 |
| Pretax return on assets | 1.6932% | 1,195 |
| Return on Equity (ROE) | 20.4714% | 394 |
| Retained earnings to average equity (ytd only) | 16.9580% | 272 |
| Net charge-offs to loans | 0.0150% | 5,375 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 161.6667% | 269 |
| Efficiency ratio | 54.5241% | 7,165 |
| Assets per employee ($millions) | 4.4828% | 2,751 |
| Cash dividends to net income (ytd only)* | 17.1625% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 3,647 |
| Loan loss allowance to noncurrent loans | 193.7500% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 5,148 |
| Noncurrent loans to loans | 0.7089% | 5,636 |
| Net loans and leases to total assets | 76.1451% | 2,238 |
| Net loans and leases to deposits | 85.0816% | 3,802 |
| Net loans and leases to core deposits | 94.9603% | 5,063 |
| Total domestic deposits to total assets | 89.4965% | 1,010 |
| Equity capital to assets | 8.6574% | 5,831 |
| Core capital (leverage) ratio | 8.4176% | 5,684 |
| Tier 1 risk-based capital ratio | 11.7001% | 5,206 |
| Total risk-based capital ratio | 12.9523% | 5,123 |
| Memoranda: | ||
| Average total assets | $206,476,000 | 3,163 |
| Average earning assets | $195,169,000 | 3,082 |
| Average equity | $17,077,500 | 3,717 |
| Average total loans | $160,088,500 | 2,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8746% | 6,162 |
| Cost of funding earning assets | 2.6007% | 3,680 |
| Net interest margin | 3.2739% | 6,124 |
| Noninterest income to average assets | 0.5636% | 4,123 |
| Noninterest expense to average assets | 2.0486% | 7,348 |
| Loan and lease loss provision to assets | 0.2697% | 4,239 |
| Net operating income to assets | 1.3280% | 1,408 |
| Return on assets (ROA) | 1.1464% | 1,885 |
| Pretax return on assets | 1.1464% | 2,847 |
| Return on Equity (ROE) | 16.1096% | 752 |
| Retained earnings to average equity (ytd only) | 10.5998% | 374 |
| Net charge-offs to loans | 0.0547% | 6,003 |
| Credit loss provision to net charge-offs | 643.6782% | 660 |
| Earnings coverage of net charge-offs (x) | 38.1264% | 973 |
| Efficiency ratio | 56.1823% | 6,981 |
| Assets per employee ($millions) | 4.6940% | 2,337 |
| Cash dividends to net income (ytd only)* | 34.2017% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 4,148 |
| Loan loss allowance to noncurrent loans | 129.7348% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.8247% | 4,787 |
| Noncurrent loans to loans | 0.9633% | 4,675 |
| Net loans and leases to total assets | 76.8743% | 2,407 |
| Net loans and leases to deposits | 90.0206% | 3,454 |
| Net loans and leases to core deposits | 102.5852% | 4,540 |
| Total domestic deposits to total assets | 85.3963% | 2,669 |
| Equity capital to assets | 7.9019% | 6,970 |
| Core capital (leverage) ratio | 7.9551% | 6,564 |
| Tier 1 risk-based capital ratio | 11.2480% | 5,490 |
| Total risk-based capital ratio | 12.4994% | 5,373 |
| Memoranda: | ||
| Average total assets | $207,609,400 | 3,035 |
| Average earning assets | $195,485,000 | 2,952 |
| Average equity | $14,773,800 | 4,182 |
| Average total loans | $158,936,400 | 2,785 |