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 | 4.9157% | 2,242 |
| Cost of funding earning assets | 2.3317% | 517 |
| Net interest margin | 2.5840% | 3,985 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.9185% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6680% | 3,271 |
| Return on assets (ROA) | 0.6680% | 3,256 |
| Pretax return on assets | 0.7065% | 3,423 |
| Return on Equity (ROE) | 6.7600% | 3,342 |
| Retained earnings to average equity (ytd only) | 3.6942% | 3,056 |
| Net charge-offs to loans | -0.0067% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.0855% | 1,547 |
| Assets per employee ($millions) | 8.5169% | 1,176 |
| Cash dividends to net income (ytd only)* | 45.3918% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9109% | 125 |
| Loan loss allowance to noncurrent loans | 1,150.5714% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,178 |
| Noncurrent loans to loans | 0.2530% | 2,281 |
| Net loans and leases to total assets | 52.5700% | 3,450 |
| Net loans and leases to deposits | 60.7953% | 3,481 |
| Net loans and leases to core deposits | 70.7729% | 3,262 |
| Total domestic deposits to total assets | 86.4700% | 1,871 |
| Equity capital to assets | 9.7676% | 2,148 |
| Core capital (leverage) ratio | 11.9236% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $238,777,800 | 2,744 |
| Average earning assets | $221,513,600 | 2,731 |
| Average equity | $23,577,400 | 2,593 |
| Average total loans | $135,224,200 | 2,813 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 2,198 |
| Cost of funding earning assets | 2.1919% | 505 |
| Net interest margin | 2.6411% | 3,964 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 1.8397% | 3,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7638% | 3,124 |
| Return on assets (ROA) | 0.7638% | 3,122 |
| Pretax return on assets | 0.8258% | 3,275 |
| Return on Equity (ROE) | 7.7100% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.2856% | 2,848 |
| Net charge-offs to loans | 0.0010% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,453.0000% | 106 |
| Efficiency ratio | 69.0192% | 1,899 |
| Assets per employee ($millions) | 7.7408% | 1,485 |
| Cash dividends to net income (ytd only)* | 31.4732% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9803% | 122 |
| Loan loss allowance to noncurrent loans | 1,154.0230% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 2,037 |
| Noncurrent loans to loans | 0.2583% | 2,311 |
| Net loans and leases to total assets | 54.4800% | 3,324 |
| Net loans and leases to deposits | 62.7320% | 3,352 |
| Net loans and leases to core deposits | 72.8578% | 3,063 |
| Total domestic deposits to total assets | 86.8500% | 1,935 |
| Equity capital to assets | 9.1209% | 2,348 |
| Core capital (leverage) ratio | 12.5435% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $234,595,250 | 2,778 |
| Average earning assets | $217,274,500 | 2,771 |
| Average equity | $23,232,500 | 2,608 |
| Average total loans | $134,444,750 | 2,825 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 2,146 |
| Cost of funding earning assets | 2.0350% | 460 |
| Net interest margin | 2.6957% | 3,976 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.9004% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7620% | 3,185 |
| Return on assets (ROA) | 0.7620% | 3,203 |
| Pretax return on assets | 0.8249% | 3,341 |
| Return on Equity (ROE) | 7.6400% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.2128% | 2,889 |
| Net charge-offs to loans | 0.0030% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 479.0000% | 309 |
| Efficiency ratio | 69.7314% | 1,788 |
| Assets per employee ($millions) | 7.0186% | 1,911 |
| Cash dividends to net income (ytd only)* | 31.7514% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0257% | 129 |
| Loan loss allowance to noncurrent loans | 1,191.6914% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 1,965 |
| Noncurrent loans to loans | 0.2539% | 2,249 |
| Net loans and leases to total assets | 55.5700% | 3,149 |
| Net loans and leases to deposits | 64.8190% | 3,139 |
| Net loans and leases to core deposits | 75.4273% | 2,797 |
| Total domestic deposits to total assets | 85.7300% | 2,321 |
| Equity capital to assets | 10.0672% | 1,814 |
| Core capital (leverage) ratio | 12.5507% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $232,270,667 | 2,799 |
| Average earning assets | $215,822,667 | 2,786 |
| Average equity | $23,173,667 | 2,615 |
| Average total loans | $134,342,333 | 2,828 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2533% | 1,153 |
| Cost of funding earning assets | 1.1086% | 102 |
| Net interest margin | 3.1447% | 3,040 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 2.0404% | 3,468 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1304% | 2,052 |
| Return on assets (ROA) | 1.1304% | 1,994 |
| Pretax return on assets | 1.1932% | 2,461 |
| Return on Equity (ROE) | 10.9100% | 2,505 |
| Retained earnings to average equity (ytd only) | 7.3478% | 2,083 |
| Net charge-offs to loans | -0.2925% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.1012% | 2,617 |
| Assets per employee ($millions) | 6.9238% | 2,024 |
| Cash dividends to net income (ytd only)* | 32.6492% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9923% | 119 |
| Loan loss allowance to noncurrent loans | 1,557.3643% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 2,103 |
| Noncurrent loans to loans | 0.1921% | 2,520 |
| Net loans and leases to total assets | 55.3300% | 3,092 |
| Net loans and leases to deposits | 64.0001% | 3,041 |
| Net loans and leases to core deposits | 72.5839% | 2,675 |
| Total domestic deposits to total assets | 86.4600% | 2,584 |
| Equity capital to assets | 9.5391% | 1,975 |
| Core capital (leverage) ratio | 12.7346% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $232,743,800 | 2,834 |
| Average earning assets | $215,505,600 | 2,825 |
| Average equity | $24,116,000 | 2,628 |
| Average total loans | $127,868,400 | 2,849 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 707 |
| Cost of funding earning assets | 1.0183% | 59 |
| Net interest margin | 3.2998% | 2,295 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 2.0211% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3415% | 1,228 |
| Return on assets (ROA) | 1.3415% | 1,210 |
| Pretax return on assets | 1.4012% | 1,719 |
| Return on Equity (ROE) | 12.6900% | 1,806 |
| Retained earnings to average equity (ytd only) | 9.8540% | 1,394 |
| Net charge-offs to loans | -0.4583% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.0566% | 3,235 |
| Assets per employee ($millions) | 6.5139% | 2,309 |
| Cash dividends to net income (ytd only)* | 22.3555% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2577% | 106 |
| Loan loss allowance to noncurrent loans | 1,345.8746% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 1,970 |
| Noncurrent loans to loans | 0.2420% | 2,415 |
| Net loans and leases to total assets | 54.6800% | 3,031 |
| Net loans and leases to deposits | 63.3845% | 2,910 |
| Net loans and leases to core deposits | 71.4539% | 2,533 |
| Total domestic deposits to total assets | 86.2700% | 2,994 |
| Equity capital to assets | 9.3939% | 1,955 |
| Core capital (leverage) ratio | 12.7678% | 977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $232,077,500 | 2,852 |
| Average earning assets | $214,596,750 | 2,850 |
| Average equity | $24,531,000 | 2,649 |
| Average total loans | $126,265,500 | 2,865 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2893% | 532 |
| Cost of funding earning assets | 0.9645% | 44 |
| Net interest margin | 3.3248% | 1,838 |
| Noninterest income to average assets | 0.4024% | 2,745 |
| Noninterest expense to average assets | 2.0814% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3429% | 1,041 |
| Return on assets (ROA) | 1.3429% | 1,018 |
| Pretax return on assets | 1.4023% | 1,434 |
| Return on Equity (ROE) | 12.2764% | 1,594 |
| Retained earnings to average equity (ytd only) | 9.3198% | 1,195 |
| Net charge-offs to loans | -0.0979% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7466% | 3,332 |
| Assets per employee ($millions) | 6.9900% | 1,948 |
| Cash dividends to net income (ytd only)* | 24.0834% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0619% | 140 |
| Loan loss allowance to noncurrent loans | 1,129.8780% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 2,014 |
| Noncurrent loans to loans | 0.2710% | 2,393 |
| Net loans and leases to total assets | 52.4537% | 3,113 |
| Net loans and leases to deposits | 61.2688% | 2,950 |
| Net loans and leases to core deposits | 69.4129% | 2,531 |
| Total domestic deposits to total assets | 85.6124% | 3,348 |
| Equity capital to assets | 10.0506% | 1,689 |
| Core capital (leverage) ratio | 12.5577% | 956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $235,612,000 | 2,855 |
| Average earning assets | $218,357,000 | 2,863 |
| Average equity | $25,773,000 | 2,639 |
| Average total loans | $126,627,000 | 2,881 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7775% | 207 |
| Cost of funding earning assets | 0.9908% | 36 |
| Net interest margin | 3.7867% | 647 |
| Noninterest income to average assets | 0.1590% | 4,205 |
| Noninterest expense to average assets | 2.1161% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5034% | 632 |
| Return on assets (ROA) | 1.5034% | 620 |
| Pretax return on assets | 1.5614% | 896 |
| Return on Equity (ROE) | 13.2463% | 990 |
| Retained earnings to average equity (ytd only) | 13.2463% | 445 |
| Net charge-offs to loans | -0.0433% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5416% | 3,733 |
| Assets per employee ($millions) | 7.0568% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8159% | 188 |
| Loan loss allowance to noncurrent loans | 1,856.8528% | 582 |
| Noncurrent assets plus other real estate owned to assets | 1.1981% | 368 |
| Noncurrent loans to loans | 0.1517% | 3,044 |
| Net loans and leases to total assets | 54.2119% | 2,731 |
| Net loans and leases to deposits | 63.7815% | 2,554 |
| Net loans and leases to core deposits | 72.0677% | 2,101 |
| Total domestic deposits to total assets | 84.9962% | 3,536 |
| Equity capital to assets | 10.8191% | 1,428 |
| Core capital (leverage) ratio | 12.6269% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,578,500 | 2,836 |
| Average earning assets | $224,469,500 | 2,838 |
| Average equity | $27,419,000 | 2,639 |
| Average total loans | $129,423,500 | 2,854 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 640 |
| Cost of funding earning assets | 1.2938% | 19 |
| Net interest margin | 3.1627% | 2,697 |
| Noninterest income to average assets | 0.1632% | 4,336 |
| Noninterest expense to average assets | 1.9035% | 3,914 |
| Loan and lease loss provision to assets | 0.1692% | 687 |
| Net operating income to assets | 0.9732% | 2,783 |
| Return on assets (ROA) | 1.0070% | 2,713 |
| Pretax return on assets | 1.0653% | 3,087 |
| Return on Equity (ROE) | 8.2597% | 3,143 |
| Retained earnings to average equity (ytd only) | 5.7343% | 2,463 |
| Net charge-offs to loans | 0.3148% | 268 |
| Credit loss provision to net charge-offs | 95.9233% | 1,842 |
| Earnings coverage of net charge-offs (x) | 6.7986% | 2,381 |
| Efficiency ratio | 61.3550% | 2,956 |
| Assets per employee ($millions) | 7.5843% | 1,563 |
| Cash dividends to net income (ytd only)* | 30.5754% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8261% | 181 |
| Loan loss allowance to noncurrent loans | 180.0395% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 643 |
| Noncurrent loans to loans | 1.5697% | 567 |
| Net loans and leases to total assets | 50.0631% | 3,267 |
| Net loans and leases to deposits | 59.4954% | 3,125 |
| Net loans and leases to core deposits | 67.3314% | 2,707 |
| Total domestic deposits to total assets | 84.1463% | 3,522 |
| Equity capital to assets | 11.8438% | 1,323 |
| Core capital (leverage) ratio | 11.6055% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,454,400 | 2,810 |
| Average earning assets | $219,746,200 | 2,812 |
| Average equity | $28,826,600 | 2,606 |
| Average total loans | $132,483,400 | 2,820 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 871 |
| Cost of funding earning assets | 1.3389% | 17 |
| Net interest margin | 3.0187% | 3,262 |
| Noninterest income to average assets | 0.1705% | 4,351 |
| Noninterest expense to average assets | 1.8455% | 4,065 |
| Loan and lease loss provision to assets | 0.1717% | 632 |
| Net operating income to assets | 0.8927% | 3,267 |
| Return on assets (ROA) | 0.8927% | 3,342 |
| Pretax return on assets | 0.9545% | 3,578 |
| Return on Equity (ROE) | 7.2668% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.1334% | 3,168 |
| Net charge-offs to loans | -0.0070% | 3,542 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1028% | 2,680 |
| Assets per employee ($millions) | 7.1195% | 1,792 |
| Cash dividends to net income (ytd only)* | 29.3590% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9941% | 154 |
| Loan loss allowance to noncurrent loans | 220.5670% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.8618% | 810 |
| Noncurrent loans to loans | 1.3575% | 788 |
| Net loans and leases to total assets | 53.1091% | 3,071 |
| Net loans and leases to deposits | 63.5206% | 2,905 |
| Net loans and leases to core deposits | 72.2021% | 2,410 |
| Total domestic deposits to total assets | 83.6093% | 3,560 |
| Equity capital to assets | 12.0852% | 1,363 |
| Core capital (leverage) ratio | 11.8519% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,997,500 | 2,859 |
| Average earning assets | $216,199,250 | 2,866 |
| Average equity | $28,622,500 | 2,643 |
| Average total loans | $133,368,500 | 2,842 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 1,139 |
| Cost of funding earning assets | 1.3764% | 18 |
| Net interest margin | 2.8502% | 3,680 |
| Noninterest income to average assets | 0.1531% | 4,433 |
| Noninterest expense to average assets | 1.8445% | 4,086 |
| Loan and lease loss provision to assets | 0.1739% | 665 |
| Net operating income to assets | 0.7157% | 3,721 |
| Return on assets (ROA) | 0.7157% | 3,787 |
| Pretax return on assets | 0.7783% | 3,912 |
| Return on Equity (ROE) | 5.7933% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.5267% | 3,676 |
| Net charge-offs to loans | -0.0150% | 3,853 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9515% | 2,160 |
| Assets per employee ($millions) | 7.2865% | 1,606 |
| Cash dividends to net income (ytd only)* | 39.1252% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8200% | 186 |
| Loan loss allowance to noncurrent loans | 59.0181% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.8911% | 101 |
| Noncurrent loans to loans | 4.7782% | 91 |
| Net loans and leases to total assets | 57.2118% | 2,762 |
| Net loans and leases to deposits | 68.7422% | 2,543 |
| Net loans and leases to core deposits | 77.4257% | 2,100 |
| Total domestic deposits to total assets | 83.2266% | 3,660 |
| Equity capital to assets | 12.2569% | 1,242 |
| Core capital (leverage) ratio | 11.6703% | 1,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,975,333 | 2,878 |
| Average earning assets | $213,315,333 | 2,879 |
| Average equity | $28,412,000 | 2,646 |
| Average total loans | $133,649,333 | 2,852 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 1,029 |
| Cost of funding earning assets | 1.4067% | 24 |
| Net interest margin | 2.8966% | 3,537 |
| Noninterest income to average assets | 0.1576% | 4,410 |
| Noninterest expense to average assets | 1.7883% | 4,235 |
| Loan and lease loss provision to assets | 0.1751% | 709 |
| Net operating income to assets | 0.8144% | 3,375 |
| Return on assets (ROA) | 0.8144% | 3,448 |
| Pretax return on assets | 0.8775% | 3,651 |
| Return on Equity (ROE) | 6.5658% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.5658% | 2,703 |
| Net charge-offs to loans | -0.0425% | 4,331 |
| Credit loss provision to net charge-offs | -714.2857% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9470% | 2,614 |
| Assets per employee ($millions) | 6.8639% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8126% | 179 |
| Loan loss allowance to noncurrent loans | 162.6454% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 714 |
| Noncurrent loans to loans | 1.7293% | 692 |
| Net loans and leases to total assets | 57.5884% | 2,845 |
| Net loans and leases to deposits | 65.7866% | 2,942 |
| Net loans and leases to core deposits | 74.2077% | 2,497 |
| Total domestic deposits to total assets | 87.5382% | 2,073 |
| Equity capital to assets | 12.2295% | 1,184 |
| Core capital (leverage) ratio | 12.1424% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,379,500 | 2,877 |
| Average earning assets | $211,559,000 | 2,878 |
| Average equity | $28,328,500 | 2,644 |
| Average total loans | $131,839,000 | 2,881 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 976 |
| Cost of funding earning assets | 1.6592% | 40 |
| Net interest margin | 2.9965% | 3,892 |
| Noninterest income to average assets | 0.2239% | 4,155 |
| Noninterest expense to average assets | 1.7237% | 4,591 |
| Loan and lease loss provision to assets | 0.2315% | 1,678 |
| Net operating income to assets | 1.0295% | 2,181 |
| Return on assets (ROA) | 1.0421% | 2,277 |
| Pretax return on assets | 1.1060% | 2,668 |
| Return on Equity (ROE) | 8.3147% | 2,682 |
| Retained earnings to average equity (ytd only) | 5.0218% | 2,262 |
| Net charge-offs to loans | 0.3439% | 506 |
| Credit loss provision to net charge-offs | 108.8795% | 2,735 |
| Earnings coverage of net charge-offs (x) | 6.2262% | 2,798 |
| Efficiency ratio | 56.5570% | 3,913 |
| Assets per employee ($millions) | 7.6750% | 1,177 |
| Cash dividends to net income (ytd only)* | 39.6031% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8279% | 175 |
| Loan loss allowance to noncurrent loans | 97.2635% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.7147% | 378 |
| Noncurrent loans to loans | 2.9075% | 304 |
| Net loans and leases to total assets | 54.6358% | 3,428 |
| Net loans and leases to deposits | 62.9968% | 3,519 |
| Net loans and leases to core deposits | 70.5274% | 3,224 |
| Total domestic deposits to total assets | 86.7279% | 2,066 |
| Equity capital to assets | 12.5759% | 1,282 |
| Core capital (leverage) ratio | 11.4670% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,425,400 | 2,778 |
| Average earning assets | $209,613,200 | 2,748 |
| Average equity | $27,878,200 | 2,605 |
| Average total loans | $137,557,800 | 2,775 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0428% | 565 |
| Cost of funding earning assets | 1.6914% | 50 |
| Net interest margin | 3.3515% | 3,040 |
| Noninterest income to average assets | 0.2238% | 4,152 |
| Noninterest expense to average assets | 1.7871% | 4,519 |
| Loan and lease loss provision to assets | 0.2812% | 1,429 |
| Net operating income to assets | 1.2637% | 1,438 |
| Return on assets (ROA) | 1.2815% | 1,502 |
| Pretax return on assets | 1.3498% | 1,876 |
| Return on Equity (ROE) | 10.2332% | 1,943 |
| Retained earnings to average equity (ytd only) | 7.1135% | 1,641 |
| Net charge-offs to loans | 0.3983% | 398 |
| Credit loss provision to net charge-offs | 111.5108% | 2,539 |
| Earnings coverage of net charge-offs (x) | 6.3933% | 2,650 |
| Efficiency ratio | 52.5707% | 4,289 |
| Assets per employee ($millions) | 7.5609% | 1,176 |
| Cash dividends to net income (ytd only)* | 30.4861% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7033% | 190 |
| Loan loss allowance to noncurrent loans | 160.9039% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0863% | 975 |
| Noncurrent loans to loans | 1.6801% | 818 |
| Net loans and leases to total assets | 58.1858% | 3,398 |
| Net loans and leases to deposits | 67.9254% | 3,471 |
| Net loans and leases to core deposits | 74.8629% | 3,250 |
| Total domestic deposits to total assets | 85.6613% | 2,194 |
| Equity capital to assets | 12.6568% | 1,348 |
| Core capital (leverage) ratio | 11.5766% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,469,250 | 2,777 |
| Average earning assets | $208,898,250 | 2,739 |
| Average equity | $27,608,750 | 2,615 |
| Average total loans | $139,582,250 | 2,761 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 641 |
| Cost of funding earning assets | 1.7169% | 72 |
| Net interest margin | 3.4203% | 3,035 |
| Noninterest income to average assets | 0.1640% | 4,473 |
| Noninterest expense to average assets | 1.7550% | 4,622 |
| Loan and lease loss provision to assets | 0.3206% | 1,332 |
| Net operating income to assets | 1.2782% | 1,414 |
| Return on assets (ROA) | 1.3043% | 1,454 |
| Pretax return on assets | 1.3730% | 1,795 |
| Return on Equity (ROE) | 10.4544% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.8204% | 1,730 |
| Net charge-offs to loans | 0.3024% | 527 |
| Credit loss provision to net charge-offs | 164.3192% | 2,061 |
| Earnings coverage of net charge-offs (x) | 8.5399% | 2,279 |
| Efficiency ratio | 51.2985% | 4,410 |
| Assets per employee ($millions) | 7.8123% | 1,039 |
| Cash dividends to net income (ytd only)* | 34.7612% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7052% | 180 |
| Loan loss allowance to noncurrent loans | 107.4063% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.6252% | 538 |
| Noncurrent loans to loans | 2.5187% | 460 |
| Net loans and leases to total assets | 59.6268% | 3,367 |
| Net loans and leases to deposits | 70.1432% | 3,403 |
| Net loans and leases to core deposits | 78.8283% | 3,040 |
| Total domestic deposits to total assets | 85.0072% | 2,400 |
| Equity capital to assets | 12.4358% | 1,410 |
| Core capital (leverage) ratio | 11.5897% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,350,000 | 2,769 |
| Average earning assets | $207,937,333 | 2,724 |
| Average equity | $27,242,000 | 2,628 |
| Average total loans | $140,893,667 | 2,739 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7680% | 230 |
| Cost of funding earning assets | 1.7501% | 105 |
| Net interest margin | 4.0179% | 1,338 |
| Noninterest income to average assets | 0.2016% | 4,344 |
| Noninterest expense to average assets | 1.9641% | 4,465 |
| Loan and lease loss provision to assets | 0.4668% | 635 |
| Net operating income to assets | 1.5533% | 693 |
| Return on assets (ROA) | 1.5533% | 762 |
| Pretax return on assets | 1.6243% | 1,004 |
| Return on Equity (ROE) | 12.4290% | 1,003 |
| Retained earnings to average equity (ytd only) | 12.4290% | 378 |
| Net charge-offs to loans | 0.5637% | 264 |
| Credit loss provision to net charge-offs | 125.0000% | 1,687 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,045 |
| Efficiency ratio | 48.4346% | 4,734 |
| Assets per employee ($millions) | 7.0447% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5811% | 220 |
| Loan loss allowance to noncurrent loans | 115.8460% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 729 |
| Noncurrent loans to loans | 2.2281% | 593 |
| Net loans and leases to total assets | 63.4279% | 3,131 |
| Net loans and leases to deposits | 74.8146% | 3,187 |
| Net loans and leases to core deposits | 83.8440% | 2,865 |
| Total domestic deposits to total assets | 84.7801% | 2,497 |
| Equity capital to assets | 12.6098% | 1,669 |
| Core capital (leverage) ratio | 12.3740% | 1,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2215% | 1,295 |
| Memoranda: | ||
| Average total assets | $214,247,000 | 2,757 |
| Average earning assets | $205,479,500 | 2,698 |
| Average equity | $26,776,000 | 2,653 |
| Average total loans | $141,918,500 | 2,711 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 2,137 |
| Cost of funding earning assets | 1.8271% | 128 |
| Net interest margin | 2.9425% | 4,595 |
| Noninterest income to average assets | 0.2591% | 4,125 |
| Noninterest expense to average assets | 1.9973% | 4,537 |
| Loan and lease loss provision to assets | 0.2151% | 923 |
| Net operating income to assets | 0.7992% | 3,558 |
| Return on assets (ROA) | 0.9250% | 3,185 |
| Pretax return on assets | 0.9967% | 3,468 |
| Return on Equity (ROE) | 7.6039% | 3,319 |
| Retained earnings to average equity (ytd only) | 3.2930% | 3,365 |
| Net charge-offs to loans | 0.0484% | 2,426 |
| Credit loss provision to net charge-offs | 642.8571% | 484 |
| Earnings coverage of net charge-offs (x) | 32.1714% | 1,511 |
| Efficiency ratio | 64.9767% | 2,938 |
| Assets per employee ($millions) | 6.7777% | 1,140 |
| Cash dividends to net income (ytd only)* | 56.6925% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5549% | 204 |
| Loan loss allowance to noncurrent loans | 63.7709% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.7314% | 212 |
| Noncurrent loans to loans | 4.0064% | 170 |
| Net loans and leases to total assets | 65.6949% | 2,987 |
| Net loans and leases to deposits | 75.2069% | 3,243 |
| Net loans and leases to core deposits | 81.7966% | 3,146 |
| Total domestic deposits to total assets | 87.3523% | 1,432 |
| Equity capital to assets | 12.3812% | 1,895 |
| Core capital (leverage) ratio | 11.8617% | 1,861 |
| Tier 1 risk-based capital ratio | 15.4963% | 2,580 |
| Total risk-based capital ratio | 16.7586% | 2,510 |
| Memoranda: | ||
| Average total assets | $209,185,600 | 2,765 |
| Average earning assets | $200,101,800 | 2,712 |
| Average equity | $25,447,600 | 2,685 |
| Average total loans | $144,512,400 | 2,670 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 2,228 |
| Cost of funding earning assets | 1.8124% | 132 |
| Net interest margin | 2.9549% | 4,688 |
| Noninterest income to average assets | 0.2712% | 4,116 |
| Noninterest expense to average assets | 2.0585% | 4,433 |
| Loan and lease loss provision to assets | 0.2871% | 514 |
| Net operating income to assets | 0.6915% | 4,041 |
| Return on assets (ROA) | 0.8576% | 3,566 |
| Pretax return on assets | 0.9297% | 3,794 |
| Return on Equity (ROE) | 7.0812% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.5395% | 4,077 |
| Net charge-offs to loans | 0.0946% | 1,530 |
| Credit loss provision to net charge-offs | 436.8932% | 706 |
| Earnings coverage of net charge-offs (x) | 15.7670% | 2,172 |
| Efficiency ratio | 66.5155% | 2,660 |
| Assets per employee ($millions) | 6.8521% | 1,090 |
| Cash dividends to net income (ytd only)* | 64.1365% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4692% | 228 |
| Loan loss allowance to noncurrent loans | 80.5481% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 2.1265% | 388 |
| Noncurrent loans to loans | 3.0655% | 310 |
| Net loans and leases to total assets | 66.6820% | 2,962 |
| Net loans and leases to deposits | 77.4453% | 3,159 |
| Net loans and leases to core deposits | 84.1174% | 3,083 |
| Total domestic deposits to total assets | 86.1021% | 1,950 |
| Equity capital to assets | 12.1710% | 2,135 |
| Core capital (leverage) ratio | 11.8271% | 1,982 |
| Tier 1 risk-based capital ratio | 14.9219% | 2,886 |
| Total risk-based capital ratio | 16.1829% | 2,809 |
| Memoranda: | ||
| Average total assets | $208,954,750 | 2,788 |
| Average earning assets | $199,660,250 | 2,736 |
| Average equity | $25,306,000 | 2,704 |
| Average total loans | $145,228,000 | 2,692 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 2,923 |
| Cost of funding earning assets | 1.7692% | 144 |
| Net interest margin | 2.7592% | 4,957 |
| Noninterest income to average assets | 0.2878% | 4,016 |
| Noninterest expense to average assets | 2.1030% | 4,412 |
| Loan and lease loss provision to assets | 0.3369% | 386 |
| Net operating income to assets | 0.4372% | 4,660 |
| Return on assets (ROA) | 0.6824% | 4,113 |
| Pretax return on assets | 0.7546% | 4,208 |
| Return on Equity (ROE) | 5.6441% | 4,164 |
| Retained earnings to average equity (ytd only) | 0.2468% | 4,626 |
| Net charge-offs to loans | 0.1350% | 1,120 |
| Credit loss provision to net charge-offs | 357.1429% | 793 |
| Earnings coverage of net charge-offs (x) | 8.6837% | 2,394 |
| Efficiency ratio | 71.9697% | 1,926 |
| Assets per employee ($millions) | 6.4329% | 1,275 |
| Cash dividends to net income (ytd only)* | 95.6276% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 260 |
| Loan loss allowance to noncurrent loans | 64.7561% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 2.6324% | 267 |
| Noncurrent loans to loans | 3.6934% | 211 |
| Net loans and leases to total assets | 69.2112% | 2,646 |
| Net loans and leases to deposits | 79.2350% | 3,033 |
| Net loans and leases to core deposits | 85.9261% | 2,968 |
| Total domestic deposits to total assets | 87.3493% | 1,408 |
| Equity capital to assets | 12.2937% | 1,993 |
| Core capital (leverage) ratio | 11.5608% | 2,117 |
| Tier 1 risk-based capital ratio | 14.7881% | 2,923 |
| Total risk-based capital ratio | 16.0490% | 2,846 |
| Memoranda: | ||
| Average total assets | $207,801,670 | 2,803 |
| Average earning assets | $198,394,330 | 2,752 |
| Average equity | $25,123,670 | 2,706 |
| Average total loans | $145,228,000 | 2,708 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 2,708 |
| Cost of funding earning assets | 1.6646% | 179 |
| Net interest margin | 2.8814% | 4,901 |
| Noninterest income to average assets | 0.3468% | 3,543 |
| Noninterest expense to average assets | 2.1516% | 4,370 |
| Loan and lease loss provision to assets | 0.2874% | 467 |
| Net operating income to assets | 0.6188% | 4,185 |
| Return on assets (ROA) | 1.1285% | 2,407 |
| Pretax return on assets | 1.1994% | 2,804 |
| Return on Equity (ROE) | 9.4120% | 2,625 |
| Retained earnings to average equity (ytd only) | 1.5021% | 4,199 |
| Net charge-offs to loans | -0.4197% | 5,255 |
| Credit loss provision to net charge-offs | -98.6842% | 3,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4926% | 2,423 |
| Assets per employee ($millions) | 6.6343% | 1,179 |
| Cash dividends to net income (ytd only)* | 84.0407% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4361% | 264 |
| Loan loss allowance to noncurrent loans | 195.9602% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,619 |
| Noncurrent loans to loans | 1.2432% | 1,325 |
| Net loans and leases to total assets | 66.7995% | 2,933 |
| Net loans and leases to deposits | 76.0303% | 3,255 |
| Net loans and leases to core deposits | 82.6677% | 3,136 |
| Total domestic deposits to total assets | 87.8590% | 1,410 |
| Equity capital to assets | 11.8192% | 2,141 |
| Core capital (leverage) ratio | 11.8810% | 1,847 |
| Tier 1 risk-based capital ratio | 14.8882% | 2,924 |
| Total risk-based capital ratio | 16.1494% | 2,849 |
| Memoranda: | ||
| Average total assets | $208,775,500 | 2,822 |
| Average earning assets | $199,206,000 | 2,773 |
| Average equity | $25,032,000 | 2,712 |
| Average total loans | $144,859,500 | 2,742 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 1,187 |
| Cost of funding earning assets | 1.4746% | 97 |
| Net interest margin | 3.4638% | 3,823 |
| Noninterest income to average assets | 0.2379% | 4,492 |
| Noninterest expense to average assets | 2.0977% | 4,570 |
| Loan and lease loss provision to assets | 0.1761% | 1,122 |
| Net operating income to assets | 1.1799% | 2,271 |
| Return on assets (ROA) | 1.3723% | 1,512 |
| Pretax return on assets | 1.4599% | 1,914 |
| Return on Equity (ROE) | 11.2019% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.9828% | 2,204 |
| Net charge-offs to loans | 0.2179% | 885 |
| Credit loss provision to net charge-offs | 111.1111% | 2,323 |
| Earnings coverage of net charge-offs (x) | 9.0317% | 2,842 |
| Efficiency ratio | 59.4440% | 3,954 |
| Assets per employee ($millions) | 6.0369% | 1,492 |
| Cash dividends to net income (ytd only)* | 46.5909% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 308 |
| Loan loss allowance to noncurrent loans | 653.0242% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 2,972 |
| Noncurrent loans to loans | 0.3436% | 3,314 |
| Net loans and leases to total assets | 68.7566% | 2,772 |
| Net loans and leases to deposits | 78.5035% | 3,109 |
| Net loans and leases to core deposits | 88.4170% | 2,722 |
| Total domestic deposits to total assets | 87.5841% | 1,492 |
| Equity capital to assets | 12.1664% | 1,782 |
| Core capital (leverage) ratio | 11.9759% | 1,749 |
| Tier 1 risk-based capital ratio | 14.8826% | 2,887 |
| Total risk-based capital ratio | 16.1414% | 2,815 |
| Memoranda: | ||
| Average total assets | $198,784,600 | 2,889 |
| Average earning assets | $188,869,000 | 2,839 |
| Average equity | $24,353,000 | 2,696 |
| Average total loans | $144,545,200 | 2,718 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,343 |
| Cost of funding earning assets | 1.4204% | 91 |
| Net interest margin | 3.4109% | 3,971 |
| Noninterest income to average assets | 0.2428% | 4,526 |
| Noninterest expense to average assets | 2.1768% | 4,367 |
| Loan and lease loss provision to assets | 0.2029% | 848 |
| Net operating income to assets | 1.0403% | 2,922 |
| Return on assets (ROA) | 1.2990% | 1,865 |
| Pretax return on assets | 1.3748% | 2,327 |
| Return on Equity (ROE) | 10.5845% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.7909% | 2,761 |
| Net charge-offs to loans | 0.0203% | 2,732 |
| Credit loss provision to net charge-offs | 1,363.6364% | 296 |
| Earnings coverage of net charge-offs (x) | 87.5534% | 834 |
| Efficiency ratio | 62.5656% | 3,414 |
| Assets per employee ($millions) | 6.0760% | 1,437 |
| Cash dividends to net income (ytd only)* | 45.2889% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4133% | 266 |
| Loan loss allowance to noncurrent loans | 928.5333% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 2,425 |
| Noncurrent loans to loans | 0.2599% | 3,757 |
| Net loans and leases to total assets | 70.2220% | 2,609 |
| Net loans and leases to deposits | 80.2508% | 3,011 |
| Net loans and leases to core deposits | 90.1351% | 2,651 |
| Total domestic deposits to total assets | 87.5032% | 1,485 |
| Equity capital to assets | 12.1337% | 1,814 |
| Core capital (leverage) ratio | 11.7917% | 1,920 |
| Tier 1 risk-based capital ratio | 14.6382% | 3,051 |
| Total risk-based capital ratio | 15.8989% | 2,970 |
| Memoranda: | ||
| Average total assets | $197,167,500 | 2,923 |
| Average earning assets | $187,082,750 | 2,879 |
| Average equity | $24,198,250 | 2,719 |
| Average total loans | $144,590,500 | 2,732 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7623% | 1,350 |
| Cost of funding earning assets | 1.3514% | 89 |
| Net interest margin | 3.4109% | 3,917 |
| Noninterest income to average assets | 0.2397% | 4,579 |
| Noninterest expense to average assets | 2.1974% | 4,375 |
| Loan and lease loss provision to assets | 0.2040% | 833 |
| Net operating income to assets | 1.0164% | 2,943 |
| Return on assets (ROA) | 1.4108% | 1,399 |
| Pretax return on assets | 1.4873% | 1,858 |
| Return on Equity (ROE) | 11.4512% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.5329% | 2,295 |
| Net charge-offs to loans | 0.0028% | 3,096 |
| Credit loss provision to net charge-offs | 10,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 625.5000% | 136 |
| Efficiency ratio | 63.2599% | 3,420 |
| Assets per employee ($millions) | 6.0857% | 1,409 |
| Cash dividends to net income (ytd only)* | 42.9501% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3219% | 305 |
| Loan loss allowance to noncurrent loans | 504.7478% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7006% | 2,130 |
| Noncurrent loans to loans | 0.4600% | 3,057 |
| Net loans and leases to total assets | 71.2623% | 2,398 |
| Net loans and leases to deposits | 81.3518% | 2,832 |
| Net loans and leases to core deposits | 93.3391% | 2,281 |
| Total domestic deposits to total assets | 87.5978% | 1,593 |
| Equity capital to assets | 12.0855% | 1,798 |
| Core capital (leverage) ratio | 11.8458% | 1,809 |
| Tier 1 risk-based capital ratio | 14.5779% | 3,081 |
| Total risk-based capital ratio | 15.8381% | 2,994 |
| Memoranda: | ||
| Average total assets | $196,054,330 | 2,943 |
| Average earning assets | $185,875,000 | 2,907 |
| Average equity | $24,154,670 | 2,740 |
| Average total loans | $144,693,330 | 2,732 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 1,471 |
| Cost of funding earning assets | 1.2476% | 110 |
| Net interest margin | 3.3895% | 3,917 |
| Noninterest income to average assets | 0.2437% | 4,545 |
| Noninterest expense to average assets | 2.2843% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0905% | 2,470 |
| Return on assets (ROA) | 1.0905% | 2,484 |
| Pretax return on assets | 1.1690% | 2,896 |
| Return on Equity (ROE) | 8.7648% | 3,020 |
| Retained earnings to average equity (ytd only) | 5.9760% | 2,715 |
| Net charge-offs to loans | 0.0083% | 2,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 188.6667% | 351 |
| Efficiency ratio | 66.1483% | 3,133 |
| Assets per employee ($millions) | 5.9027% | 1,598 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1608% | 416 |
| Loan loss allowance to noncurrent loans | 701.9737% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,836 |
| Noncurrent loans to loans | 0.3078% | 3,668 |
| Net loans and leases to total assets | 74.4089% | 1,798 |
| Net loans and leases to deposits | 85.2128% | 2,273 |
| Net loans and leases to core deposits | 99.3863% | 1,732 |
| Total domestic deposits to total assets | 87.3212% | 1,998 |
| Equity capital to assets | 12.4236% | 1,532 |
| Core capital (leverage) ratio | 12.1482% | 1,557 |
| Tier 1 risk-based capital ratio | 14.2764% | 3,239 |
| Total risk-based capital ratio | 15.5354% | 3,151 |
| Memoranda: | ||
| Average total assets | $193,668,000 | 2,994 |
| Average earning assets | $183,390,500 | 2,958 |
| Average equity | $24,096,500 | 2,764 |
| Average total loans | $143,782,000 | 2,765 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 1,173 |
| Cost of funding earning assets | 1.1065% | 122 |
| Net interest margin | 3.6030% | 3,155 |
| Noninterest income to average assets | 0.2474% | 4,652 |
| Noninterest expense to average assets | 2.2784% | 4,392 |
| Loan and lease loss provision to assets | 0.1779% | 1,219 |
| Net operating income to assets | 1.1281% | 1,760 |
| Return on assets (ROA) | 1.1857% | 1,583 |
| Pretax return on assets | 1.2679% | 2,475 |
| Return on Equity (ROE) | 9.1864% | 2,220 |
| Retained earnings to average equity (ytd only) | 3.8467% | 2,909 |
| Net charge-offs to loans | 0.1830% | 1,375 |
| Credit loss provision to net charge-offs | 132.6531% | 1,991 |
| Earnings coverage of net charge-offs (x) | 10.3224% | 2,691 |
| Efficiency ratio | 62.2030% | 3,906 |
| Assets per employee ($millions) | 5.8347% | 1,630 |
| Cash dividends to net income (ytd only)* | 58.1256% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2981% | 312 |
| Loan loss allowance to noncurrent loans | 873.0245% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.4679% | 3,000 |
| Noncurrent loans to loans | 0.2632% | 3,842 |
| Net loans and leases to total assets | 70.7457% | 2,408 |
| Net loans and leases to deposits | 81.0199% | 2,815 |
| Net loans and leases to core deposits | 90.1754% | 2,553 |
| Total domestic deposits to total assets | 87.3189% | 1,853 |
| Equity capital to assets | 12.4609% | 1,544 |
| Core capital (leverage) ratio | 11.7989% | 1,726 |
| Tier 1 risk-based capital ratio | 14.7409% | 2,969 |
| Total risk-based capital ratio | 16.0010% | 2,900 |
| Memoranda: | ||
| Average total assets | $182,671,000 | 3,082 |
| Average earning assets | $173,161,200 | 3,036 |
| Average equity | $23,578,400 | 2,800 |
| Average total loans | $133,895,000 | 2,859 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 1,168 |
| Cost of funding earning assets | 1.0707% | 132 |
| Net interest margin | 3.6152% | 3,086 |
| Noninterest income to average assets | 0.2442% | 4,741 |
| Noninterest expense to average assets | 2.2885% | 4,330 |
| Loan and lease loss provision to assets | 0.1665% | 1,216 |
| Net operating income to assets | 1.1385% | 1,921 |
| Return on assets (ROA) | 1.2149% | 1,659 |
| Pretax return on assets | 1.3015% | 2,484 |
| Return on Equity (ROE) | 9.3261% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.2144% | 3,392 |
| Net charge-offs to loans | 0.1067% | 1,720 |
| Credit loss provision to net charge-offs | 212.2642% | 1,292 |
| Earnings coverage of net charge-offs (x) | 17.6698% | 2,090 |
| Efficiency ratio | 62.2835% | 3,836 |
| Assets per employee ($millions) | 5.7563% | 1,682 |
| Cash dividends to net income (ytd only)* | 54.8112% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 320 |
| Loan loss allowance to noncurrent loans | 335.3671% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 2,408 |
| Noncurrent loans to loans | 0.7013% | 2,606 |
| Net loans and leases to total assets | 70.8829% | 2,425 |
| Net loans and leases to deposits | 81.4596% | 2,834 |
| Net loans and leases to core deposits | 92.8914% | 2,360 |
| Total domestic deposits to total assets | 87.0160% | 1,868 |
| Equity capital to assets | 12.6565% | 1,575 |
| Core capital (leverage) ratio | 12.2951% | 1,514 |
| Tier 1 risk-based capital ratio | 14.8674% | 2,976 |
| Total risk-based capital ratio | 16.1284% | 2,900 |
| Memoranda: | ||
| Average total assets | $180,202,250 | 3,134 |
| Average earning assets | $170,975,750 | 3,084 |
| Average equity | $23,474,750 | 2,834 |
| Average total loans | $132,513,250 | 2,901 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7419% | 979 |
| Cost of funding earning assets | 1.0563% | 128 |
| Net interest margin | 3.6856% | 2,702 |
| Noninterest income to average assets | 0.2238% | 4,907 |
| Noninterest expense to average assets | 2.3600% | 4,184 |
| Loan and lease loss provision to assets | 0.1413% | 1,448 |
| Net operating income to assets | 1.1255% | 1,871 |
| Return on assets (ROA) | 1.2422% | 1,496 |
| Pretax return on assets | 1.3303% | 2,269 |
| Return on Equity (ROE) | 9.4393% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.4405% | 3,071 |
| Net charge-offs to loans | 0.0872% | 1,738 |
| Credit loss provision to net charge-offs | 219.2982% | 1,186 |
| Earnings coverage of net charge-offs (x) | 20.8947% | 1,772 |
| Efficiency ratio | 63.6780% | 3,725 |
| Assets per employee ($millions) | 5.4638% | 1,910 |
| Cash dividends to net income (ytd only)* | 52.9572% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3650% | 345 |
| Loan loss allowance to noncurrent loans | 314.4828% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 2,141 |
| Noncurrent loans to loans | 0.7520% | 2,512 |
| Net loans and leases to total assets | 73.0860% | 2,022 |
| Net loans and leases to deposits | 84.5478% | 2,400 |
| Net loans and leases to core deposits | 97.3027% | 1,867 |
| Total domestic deposits to total assets | 86.4435% | 2,174 |
| Equity capital to assets | 13.2493% | 1,255 |
| Core capital (leverage) ratio | 12.4175% | 1,408 |
| Tier 1 risk-based capital ratio | 15.3839% | 2,760 |
| Total risk-based capital ratio | 16.6452% | 2,692 |
| Memoranda: | ||
| Average total assets | $176,950,670 | 3,195 |
| Average earning assets | $167,189,330 | 3,146 |
| Average equity | $23,285,670 | 2,848 |
| Average total loans | $130,721,000 | 2,937 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6467% | 1,036 |
| Cost of funding earning assets | 0.9975% | 168 |
| Net interest margin | 3.6493% | 2,694 |
| Noninterest income to average assets | 0.2419% | 4,802 |
| Noninterest expense to average assets | 2.4601% | 3,937 |
| Loan and lease loss provision to assets | 0.2282% | 684 |
| Net operating income to assets | 0.9307% | 2,612 |
| Return on assets (ROA) | 1.1685% | 1,640 |
| Pretax return on assets | 1.2575% | 2,391 |
| Return on Equity (ROE) | 8.9105% | 2,461 |
| Retained earnings to average equity (ytd only) | 4.3334% | 3,257 |
| Net charge-offs to loans | 0.1617% | 1,001 |
| Credit loss provision to net charge-offs | 192.3077% | 1,033 |
| Earnings coverage of net charge-offs (x) | 10.3654% | 1,942 |
| Efficiency ratio | 66.6667% | 3,383 |
| Assets per employee ($millions) | 5.2761% | 2,102 |
| Cash dividends to net income (ytd only)* | 51.3672% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3613% | 372 |
| Loan loss allowance to noncurrent loans | 265.2174% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9950% | 1,836 |
| Noncurrent loans to loans | 0.8903% | 2,244 |
| Net loans and leases to total assets | 73.1165% | 1,889 |
| Net loans and leases to deposits | 84.2003% | 2,261 |
| Net loans and leases to core deposits | 100.5073% | 1,470 |
| Total domestic deposits to total assets | 86.8364% | 2,293 |
| Equity capital to assets | 12.9300% | 1,286 |
| Core capital (leverage) ratio | 12.9035% | 1,183 |
| Tier 1 risk-based capital ratio | 15.2408% | 2,858 |
| Total risk-based capital ratio | 16.5022% | 2,793 |
| Memoranda: | ||
| Average total assets | $175,274,000 | 3,248 |
| Average earning assets | $165,622,000 | 3,196 |
| Average equity | $22,984,000 | 2,893 |
| Average total loans | $128,597,000 | 2,983 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 1,020 |
| Cost of funding earning assets | 0.9991% | 175 |
| Net interest margin | 3.7241% | 2,597 |
| Noninterest income to average assets | 0.2592% | 4,874 |
| Noninterest expense to average assets | 2.3775% | 4,353 |
| Loan and lease loss provision to assets | 0.2345% | 921 |
| Net operating income to assets | 1.0825% | 1,973 |
| Return on assets (ROA) | 1.1937% | 1,620 |
| Pretax return on assets | 1.2852% | 2,332 |
| Return on Equity (ROE) | 8.7859% | 2,522 |
| Retained earnings to average equity (ytd only) | 2.7100% | 3,979 |
| Net charge-offs to loans | 0.0143% | 3,812 |
| Credit loss provision to net charge-offs | 2,352.9412% | 181 |
| Earnings coverage of net charge-offs (x) | 140.4706% | 451 |
| Efficiency ratio | 62.9365% | 4,114 |
| Assets per employee ($millions) | 5.0341% | 2,355 |
| Cash dividends to net income (ytd only)* | 69.1552% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5428% | 292 |
| Loan loss allowance to noncurrent loans | 385.6790% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 2,769 |
| Noncurrent loans to loans | 0.6593% | 2,879 |
| Net loans and leases to total assets | 69.9554% | 2,475 |
| Net loans and leases to deposits | 80.8725% | 2,791 |
| Net loans and leases to core deposits | 96.8557% | 1,845 |
| Total domestic deposits to total assets | 86.5009% | 2,370 |
| Equity capital to assets | 13.3052% | 1,133 |
| Core capital (leverage) ratio | 13.0686% | 1,110 |
| Tier 1 risk-based capital ratio | 15.7705% | 2,645 |
| Total risk-based capital ratio | 17.0324% | 2,567 |
| Memoranda: | ||
| Average total assets | $170,556,600 | 3,283 |
| Average earning assets | $161,138,600 | 3,222 |
| Average equity | $23,173,400 | 2,877 |
| Average total loans | $118,593,600 | 3,088 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 1,033 |
| Cost of funding earning assets | 0.9999% | 170 |
| Net interest margin | 3.7189% | 2,642 |
| Noninterest income to average assets | 0.2652% | 4,877 |
| Noninterest expense to average assets | 2.3590% | 4,387 |
| Loan and lease loss provision to assets | 0.2347% | 833 |
| Net operating income to assets | 1.1066% | 1,966 |
| Return on assets (ROA) | 1.2550% | 1,542 |
| Pretax return on assets | 1.3434% | 2,260 |
| Return on Equity (ROE) | 9.1890% | 2,403 |
| Retained earnings to average equity (ytd only) | 3.1852% | 4,006 |
| Net charge-offs to loans | 0.0113% | 3,537 |
| Credit loss provision to net charge-offs | 3,000.0000% | 168 |
| Earnings coverage of net charge-offs (x) | 181.3406% | 401 |
| Efficiency ratio | 62.4482% | 4,148 |
| Assets per employee ($millions) | 5.0760% | 2,287 |
| Cash dividends to net income (ytd only)* | 65.3368% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 335 |
| Loan loss allowance to noncurrent loans | 342.4859% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 2,936 |
| Noncurrent loans to loans | 0.7282% | 2,853 |
| Net loans and leases to total assets | 68.6605% | 2,700 |
| Net loans and leases to deposits | 79.9149% | 2,976 |
| Net loans and leases to core deposits | 96.1109% | 1,977 |
| Total domestic deposits to total assets | 85.9170% | 2,398 |
| Equity capital to assets | 13.7319% | 1,149 |
| Core capital (leverage) ratio | 13.0258% | 1,185 |
| Tier 1 risk-based capital ratio | 16.1613% | 2,561 |
| Total risk-based capital ratio | 17.4237% | 2,507 |
| Memoranda: | ||
| Average total assets | $170,406,000 | 3,295 |
| Average earning assets | $160,938,000 | 3,237 |
| Average equity | $23,273,500 | 2,886 |
| Average total loans | $117,527,250 | 3,108 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 1,023 |
| Cost of funding earning assets | 0.9960% | 173 |
| Net interest margin | 3.7163% | 2,631 |
| Noninterest income to average assets | 0.2487% | 4,993 |
| Noninterest expense to average assets | 2.3739% | 4,418 |
| Loan and lease loss provision to assets | 0.2357% | 844 |
| Net operating income to assets | 1.0835% | 2,017 |
| Return on assets (ROA) | 1.3095% | 1,344 |
| Pretax return on assets | 1.3979% | 2,035 |
| Return on Equity (ROE) | 9.6059% | 2,227 |
| Retained earnings to average equity (ytd only) | 3.5103% | 3,666 |
| Net charge-offs to loans | -0.0069% | 4,603 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0163% | 4,174 |
| Assets per employee ($millions) | 5.1575% | 2,134 |
| Cash dividends to net income (ytd only)* | 63.4563% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4300% | 392 |
| Loan loss allowance to noncurrent loans | 312.9649% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 2,927 |
| Noncurrent loans to loans | 0.7765% | 2,807 |
| Net loans and leases to total assets | 69.4761% | 2,558 |
| Net loans and leases to deposits | 81.3914% | 2,774 |
| Net loans and leases to core deposits | 99.9552% | 1,637 |
| Total domestic deposits to total assets | 85.3606% | 2,707 |
| Equity capital to assets | 13.8968% | 1,062 |
| Core capital (leverage) ratio | 12.9731% | 1,158 |
| Tier 1 risk-based capital ratio | 15.8215% | 2,731 |
| Total risk-based capital ratio | 17.0822% | 2,661 |
| Memoranda: | ||
| Average total assets | $169,680,000 | 3,309 |
| Average earning assets | $160,641,670 | 3,261 |
| Average equity | $23,131,670 | 2,910 |
| Average total loans | $116,193,670 | 3,136 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 972 |
| Cost of funding earning assets | 0.9811% | 188 |
| Net interest margin | 3.7595% | 2,441 |
| Noninterest income to average assets | 0.2361% | 5,054 |
| Noninterest expense to average assets | 2.4011% | 4,370 |
| Loan and lease loss provision to assets | 0.2361% | 770 |
| Net operating income to assets | 1.0648% | 2,032 |
| Return on assets (ROA) | 1.0648% | 2,144 |
| Pretax return on assets | 1.1545% | 2,872 |
| Return on Equity (ROE) | 7.8875% | 2,980 |
| Retained earnings to average equity (ytd only) | 4.9669% | 2,965 |
| Net charge-offs to loans | -0.0070% | 4,396 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3250% | 4,254 |
| Assets per employee ($millions) | 5.1340% | 2,202 |
| Cash dividends to net income (ytd only)* | 37.0288% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4688% | 402 |
| Loan loss allowance to noncurrent loans | 340.4790% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 3,184 |
| Noncurrent loans to loans | 0.7251% | 3,022 |
| Net loans and leases to total assets | 66.2925% | 2,903 |
| Net loans and leases to deposits | 77.3528% | 3,070 |
| Net loans and leases to core deposits | 94.9882% | 1,888 |
| Total domestic deposits to total assets | 85.7014% | 2,809 |
| Equity capital to assets | 13.5998% | 1,140 |
| Core capital (leverage) ratio | 12.9847% | 1,166 |
| Tier 1 risk-based capital ratio | 16.5816% | 2,444 |
| Total risk-based capital ratio | 17.8429% | 2,389 |
| Memoranda: | ||
| Average total assets | $169,421,000 | 3,334 |
| Average earning assets | $160,235,000 | 3,279 |
| Average equity | $22,871,500 | 2,940 |
| Average total loans | $113,694,500 | 3,189 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 974 |
| Cost of funding earning assets | 0.9640% | 207 |
| Net interest margin | 3.8050% | 2,355 |
| Noninterest income to average assets | 0.2613% | 5,023 |
| Noninterest expense to average assets | 2.2769% | 4,852 |
| Loan and lease loss provision to assets | 0.2983% | 579 |
| Net operating income to assets | 1.1958% | 1,567 |
| Return on assets (ROA) | 1.2563% | 1,424 |
| Pretax return on assets | 1.3463% | 2,107 |
| Return on Equity (ROE) | 9.5058% | 2,216 |
| Retained earnings to average equity (ytd only) | 2.5863% | 4,231 |
| Net charge-offs to loans | 0.0499% | 3,204 |
| Credit loss provision to net charge-offs | 909.0909% | 371 |
| Earnings coverage of net charge-offs (x) | 48.1455% | 1,031 |
| Efficiency ratio | 59.0410% | 5,022 |
| Assets per employee ($millions) | 5.1339% | 2,194 |
| Cash dividends to net income (ytd only)* | 72.7920% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4423% | 433 |
| Loan loss allowance to noncurrent loans | 387.1469% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 3,413 |
| Noncurrent loans to loans | 0.6308% | 3,291 |
| Net loans and leases to total assets | 64.6270% | 3,178 |
| Net loans and leases to deposits | 75.1895% | 3,354 |
| Net loans and leases to core deposits | 90.7374% | 2,343 |
| Total domestic deposits to total assets | 85.9521% | 2,665 |
| Equity capital to assets | 13.3998% | 1,165 |
| Core capital (leverage) ratio | 12.5595% | 1,320 |
| Tier 1 risk-based capital ratio | 16.4971% | 2,482 |
| Total risk-based capital ratio | 17.7579% | 2,435 |
| Memoranda: | ||
| Average total assets | $167,641,600 | 3,341 |
| Average earning assets | $158,396,200 | 3,274 |
| Average equity | $22,154,800 | 2,960 |
| Average total loans | $110,127,600 | 3,199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 997 |
| Cost of funding earning assets | 0.9603% | 212 |
| Net interest margin | 3.8026% | 2,369 |
| Noninterest income to average assets | 0.2695% | 5,005 |
| Noninterest expense to average assets | 2.2679% | 4,866 |
| Loan and lease loss provision to assets | 0.3190% | 439 |
| Net operating income to assets | 1.1959% | 1,663 |
| Return on assets (ROA) | 1.2767% | 1,462 |
| Pretax return on assets | 1.3660% | 2,154 |
| Return on Equity (ROE) | 9.6948% | 2,227 |
| Retained earnings to average equity (ytd only) | 2.4888% | 4,631 |
| Net charge-offs to loans | 0.0803% | 2,410 |
| Credit loss provision to net charge-offs | 606.0606% | 559 |
| Earnings coverage of net charge-offs (x) | 30.3628% | 1,481 |
| Efficiency ratio | 58.6634% | 5,045 |
| Assets per employee ($millions) | 5.2197% | 2,039 |
| Cash dividends to net income (ytd only)* | 74.3288% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 531 |
| Loan loss allowance to noncurrent loans | 391.9523% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.5478% | 3,660 |
| Noncurrent loans to loans | 0.6021% | 3,515 |
| Net loans and leases to total assets | 65.1456% | 3,134 |
| Net loans and leases to deposits | 75.7976% | 3,325 |
| Net loans and leases to core deposits | 108.1469% | 971 |
| Total domestic deposits to total assets | 85.9468% | 2,555 |
| Equity capital to assets | 13.2654% | 1,322 |
| Core capital (leverage) ratio | 12.6230% | 1,353 |
| Tier 1 risk-based capital ratio | 16.4522% | 2,604 |
| Total risk-based capital ratio | 17.7122% | 2,557 |
| Memoranda: | ||
| Average total assets | $167,197,000 | 3,378 |
| Average earning assets | $158,133,750 | 3,311 |
| Average equity | $22,018,000 | 2,990 |
| Average total loans | $109,601,500 | 3,238 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6452% | 1,174 |
| Cost of funding earning assets | 0.9510% | 216 |
| Net interest margin | 3.6942% | 2,731 |
| Noninterest income to average assets | 0.2439% | 5,213 |
| Noninterest expense to average assets | 2.2911% | 4,865 |
| Loan and lease loss provision to assets | 0.3288% | 424 |
| Net operating income to assets | 1.0409% | 2,174 |
| Return on assets (ROA) | 1.1599% | 1,814 |
| Pretax return on assets | 1.2496% | 2,555 |
| Return on Equity (ROE) | 8.8296% | 2,640 |
| Retained earnings to average equity (ytd only) | 1.1287% | 5,115 |
| Net charge-offs to loans | 0.0073% | 3,642 |
| Credit loss provision to net charge-offs | 6,875.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 303.2500% | 228 |
| Efficiency ratio | 61.2336% | 4,794 |
| Assets per employee ($millions) | 5.3340% | 1,897 |
| Cash dividends to net income (ytd only)* | 87.2165% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3351% | 609 |
| Loan loss allowance to noncurrent loans | 402.3511% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5340% | 3,835 |
| Noncurrent loans to loans | 0.5804% | 3,717 |
| Net loans and leases to total assets | 64.9296% | 3,135 |
| Net loans and leases to deposits | 75.2817% | 3,349 |
| Net loans and leases to core deposits | 91.2477% | 2,221 |
| Total domestic deposits to total assets | 86.2488% | 2,557 |
| Equity capital to assets | 12.9995% | 1,406 |
| Core capital (leverage) ratio | 12.5643% | 1,346 |
| Tier 1 risk-based capital ratio | 16.6013% | 2,567 |
| Total risk-based capital ratio | 17.8614% | 2,513 |
| Memoranda: | ||
| Average total assets | $167,253,000 | 3,399 |
| Average earning assets | $158,355,330 | 3,323 |
| Average equity | $21,971,670 | 3,000 |
| Average total loans | $108,988,000 | 3,268 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 1,530 |
| Cost of funding earning assets | 0.9317% | 244 |
| Net interest margin | 3.5440% | 3,241 |
| Noninterest income to average assets | 0.2212% | 5,373 |
| Noninterest expense to average assets | 2.3233% | 4,816 |
| Loan and lease loss provision to assets | 0.3567% | 360 |
| Net operating income to assets | 0.8157% | 3,182 |
| Return on assets (ROA) | 0.8157% | 3,308 |
| Pretax return on assets | 0.9060% | 3,864 |
| Return on Equity (ROE) | 6.1761% | 3,942 |
| Retained earnings to average equity (ytd only) | 3.1511% | 4,091 |
| Net charge-offs to loans | 1.4808% | 128 |
| Credit loss provision to net charge-offs | 37.4065% | 2,203 |
| Earnings coverage of net charge-offs (x) | 1.3242% | 2,935 |
| Efficiency ratio | 64.7878% | 4,347 |
| Assets per employee ($millions) | 5.2579% | 2,048 |
| Cash dividends to net income (ytd only)* | 48.9796% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,290 |
| Loan loss allowance to noncurrent loans | 677.1523% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,073 |
| Noncurrent loans to loans | 0.2803% | 4,778 |
| Net loans and leases to total assets | 62.8266% | 3,257 |
| Net loans and leases to deposits | 73.0859% | 3,420 |
| Net loans and leases to core deposits | 88.1325% | 2,315 |
| Total domestic deposits to total assets | 85.9627% | 2,962 |
| Equity capital to assets | 13.3027% | 1,260 |
| Core capital (leverage) ratio | 12.4861% | 1,368 |
| Tier 1 risk-based capital ratio | 16.6620% | 2,608 |
| Total risk-based capital ratio | 17.9163% | 2,563 |
| Memoranda: | ||
| Average total assets | $168,207,500 | 3,398 |
| Average earning assets | $159,705,500 | 3,327 |
| Average equity | $22,214,500 | 2,999 |
| Average total loans | $108,322,500 | 3,296 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 1,017 |
| Cost of funding earning assets | 1.0190% | 213 |
| Net interest margin | 3.8299% | 2,511 |
| Noninterest income to average assets | 0.2954% | 5,007 |
| Noninterest expense to average assets | 2.2407% | 5,263 |
| Loan and lease loss provision to assets | 0.3084% | 661 |
| Net operating income to assets | 1.2629% | 1,394 |
| Return on assets (ROA) | 1.4519% | 1,010 |
| Pretax return on assets | 1.5475% | 1,394 |
| Return on Equity (ROE) | 11.3485% | 1,609 |
| Retained earnings to average equity (ytd only) | 6.9711% | 1,426 |
| Net charge-offs to loans | 0.2909% | 1,501 |
| Credit loss provision to net charge-offs | 161.8123% | 1,499 |
| Earnings coverage of net charge-offs (x) | 8.6828% | 2,843 |
| Efficiency ratio | 57.5206% | 5,513 |
| Assets per employee ($millions) | 5.4246% | 1,833 |
| Cash dividends to net income (ytd only)* | 38.5726% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1085% | 937 |
| Loan loss allowance to noncurrent loans | 333.2366% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 4,249 |
| Noncurrent loans to loans | 0.6327% | 3,785 |
| Net loans and leases to total assets | 63.3891% | 3,302 |
| Net loans and leases to deposits | 73.5355% | 3,491 |
| Net loans and leases to core deposits | 85.9334% | 2,694 |
| Total domestic deposits to total assets | 86.2021% | 2,722 |
| Equity capital to assets | 13.1105% | 1,310 |
| Core capital (leverage) ratio | 12.1208% | 1,550 |
| Tier 1 risk-based capital ratio | 16.4579% | 2,733 |
| Total risk-based capital ratio | 17.7155% | 2,679 |
| Memoranda: | ||
| Average total assets | $162,136,600 | 3,461 |
| Average earning assets | $152,406,200 | 3,403 |
| Average equity | $20,742,800 | 3,078 |
| Average total loans | $106,234,600 | 3,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 852 |
| Cost of funding earning assets | 1.0267% | 216 |
| Net interest margin | 3.9148% | 2,178 |
| Noninterest income to average assets | 0.2980% | 5,071 |
| Noninterest expense to average assets | 2.1340% | 5,497 |
| Loan and lease loss provision to assets | 0.2490% | 872 |
| Net operating income to assets | 1.4957% | 953 |
| Return on assets (ROA) | 1.4957% | 982 |
| Pretax return on assets | 1.5738% | 1,412 |
| Return on Equity (ROE) | 11.7678% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.8234% | 1,436 |
| Net charge-offs to loans | 0.0581% | 3,385 |
| Credit loss provision to net charge-offs | 652.1739% | 455 |
| Earnings coverage of net charge-offs (x) | 47.7406% | 1,005 |
| Efficiency ratio | 53.9333% | 5,828 |
| Assets per employee ($millions) | 5.1651% | 2,056 |
| Cash dividends to net income (ytd only)* | 33.5181% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2382% | 891 |
| Loan loss allowance to noncurrent loans | 310.3947% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 4,340 |
| Noncurrent loans to loans | 0.7211% | 3,806 |
| Net loans and leases to total assets | 62.3406% | 3,434 |
| Net loans and leases to deposits | 72.5080% | 3,628 |
| Net loans and leases to core deposits | 85.0262% | 2,770 |
| Total domestic deposits to total assets | 85.9775% | 2,854 |
| Equity capital to assets | 13.2209% | 1,318 |
| Core capital (leverage) ratio | 12.3695% | 1,480 |
| Tier 1 risk-based capital ratio | 16.7658% | 2,702 |
| Total risk-based capital ratio | 18.0245% | 2,643 |
| Memoranda: | ||
| Average total assets | $160,630,000 | 3,512 |
| Average earning assets | $150,127,750 | 3,465 |
| Average equity | $20,416,750 | 3,124 |
| Average total loans | $105,570,000 | 3,344 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 761 |
| Cost of funding earning assets | 1.0263% | 227 |
| Net interest margin | 3.9693% | 1,905 |
| Noninterest income to average assets | 0.2602% | 5,335 |
| Noninterest expense to average assets | 2.1222% | 5,580 |
| Loan and lease loss provision to assets | 0.2514% | 867 |
| Net operating income to assets | 1.5175% | 845 |
| Return on assets (ROA) | 1.5175% | 879 |
| Pretax return on assets | 1.5967% | 1,257 |
| Return on Equity (ROE) | 12.1073% | 1,387 |
| Retained earnings to average equity (ytd only) | 8.0849% | 1,295 |
| Net charge-offs to loans | 0.0095% | 4,085 |
| Credit loss provision to net charge-offs | 4,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 294.0000% | 232 |
| Efficiency ratio | 53.4516% | 5,958 |
| Assets per employee ($millions) | 5.1735% | 2,000 |
| Cash dividends to net income (ytd only)* | 33.2229% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 1,064 |
| Loan loss allowance to noncurrent loans | 261.9590% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.6036% | 4,167 |
| Noncurrent loans to loans | 0.8302% | 3,623 |
| Net loans and leases to total assets | 64.5066% | 2,998 |
| Net loans and leases to deposits | 74.8892% | 3,207 |
| Net loans and leases to core deposits | 88.5002% | 2,258 |
| Total domestic deposits to total assets | 86.1360% | 2,977 |
| Equity capital to assets | 13.0840% | 1,333 |
| Core capital (leverage) ratio | 12.1678% | 1,565 |
| Tier 1 risk-based capital ratio | 16.4749% | 2,840 |
| Total risk-based capital ratio | 17.7328% | 2,802 |
| Memoranda: | ||
| Average total assets | $159,078,670 | 3,550 |
| Average earning assets | $148,691,670 | 3,506 |
| Average equity | $19,938,330 | 3,174 |
| Average total loans | $105,627,330 | 3,345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0419% | 669 |
| Cost of funding earning assets | 1.0246% | 245 |
| Net interest margin | 4.0173% | 1,699 |
| Noninterest income to average assets | 0.2651% | 5,244 |
| Noninterest expense to average assets | 2.1309% | 5,613 |
| Loan and lease loss provision to assets | 0.2525% | 853 |
| Net operating income to assets | 1.5654% | 713 |
| Return on assets (ROA) | 1.5654% | 745 |
| Pretax return on assets | 1.6436% | 1,085 |
| Return on Equity (ROE) | 12.7733% | 1,219 |
| Retained earnings to average equity (ytd only) | 9.3534% | 1,148 |
| Net charge-offs to loans | 0.0530% | 2,641 |
| Credit loss provision to net charge-offs | 714.2857% | 405 |
| Earnings coverage of net charge-offs (x) | 53.6429% | 718 |
| Efficiency ratio | 52.9154% | 6,086 |
| Assets per employee ($millions) | 5.0647% | 2,169 |
| Cash dividends to net income (ytd only)* | 26.7742% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 1,387 |
| Loan loss allowance to noncurrent loans | 250.1142% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 4,279 |
| Noncurrent loans to loans | 0.8260% | 3,822 |
| Net loans and leases to total assets | 66.1559% | 2,543 |
| Net loans and leases to deposits | 76.4804% | 2,756 |
| Net loans and leases to core deposits | 90.6463% | 1,859 |
| Total domestic deposits to total assets | 86.5004% | 3,103 |
| Equity capital to assets | 12.7601% | 1,423 |
| Core capital (leverage) ratio | 12.1482% | 1,575 |
| Tier 1 risk-based capital ratio | 16.2233% | 3,047 |
| Total risk-based capital ratio | 17.4802% | 3,004 |
| Memoranda: | ||
| Average total assets | $158,428,500 | 3,584 |
| Average earning assets | $148,357,500 | 3,534 |
| Average equity | $19,415,500 | 3,236 |
| Average total loans | $105,563,500 | 3,355 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 980 |
| Cost of funding earning assets | 1.1121% | 268 |
| Net interest margin | 3.8542% | 2,460 |
| Noninterest income to average assets | 0.2978% | 5,221 |
| Noninterest expense to average assets | 2.2551% | 5,490 |
| Loan and lease loss provision to assets | 0.2915% | 1,167 |
| Net operating income to assets | 1.2965% | 1,261 |
| Return on assets (ROA) | 1.5335% | 807 |
| Pretax return on assets | 1.6163% | 1,126 |
| Return on Equity (ROE) | 13.4506% | 1,078 |
| Retained earnings to average equity (ytd only) | 9.9698% | 565 |
| Net charge-offs to loans | 0.2909% | 2,235 |
| Credit loss provision to net charge-offs | 156.5657% | 1,473 |
| Earnings coverage of net charge-offs (x) | 8.9057% | 2,585 |
| Efficiency ratio | 57.6258% | 5,779 |
| Assets per employee ($millions) | 5.1565% | 2,003 |
| Cash dividends to net income (ytd only)* | 25.8790% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0035% | 1,542 |
| Loan loss allowance to noncurrent loans | 184.9736% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 3,305 |
| Noncurrent loans to loans | 1.0831% | 3,362 |
| Net loans and leases to total assets | 64.4115% | 2,971 |
| Net loans and leases to deposits | 73.5723% | 3,320 |
| Net loans and leases to core deposits | 86.5359% | 2,387 |
| Total domestic deposits to total assets | 87.5485% | 2,452 |
| Equity capital to assets | 11.7590% | 1,977 |
| Core capital (leverage) ratio | 11.6348% | 1,865 |
| Tier 1 risk-based capital ratio | 15.3085% | 3,476 |
| Total risk-based capital ratio | 16.5638% | 3,426 |
| Memoranda: | ||
| Average total assets | $159,504,400 | 3,569 |
| Average earning assets | $149,628,600 | 3,507 |
| Average equity | $18,185,000 | 3,391 |
| Average total loans | $102,090,400 | 3,398 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 1,014 |
| Cost of funding earning assets | 1.1187% | 280 |
| Net interest margin | 3.8405% | 2,503 |
| Noninterest income to average assets | 0.2852% | 5,406 |
| Noninterest expense to average assets | 2.1695% | 5,684 |
| Loan and lease loss provision to assets | 0.3053% | 1,112 |
| Net operating income to assets | 1.2877% | 1,380 |
| Return on assets (ROA) | 1.4118% | 1,126 |
| Pretax return on assets | 1.5473% | 1,474 |
| Return on Equity (ROE) | 12.4812% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.5106% | 1,221 |
| Net charge-offs to loans | 0.3276% | 1,905 |
| Credit loss provision to net charge-offs | 146.5863% | 1,606 |
| Earnings coverage of net charge-offs (x) | 8.2410% | 2,655 |
| Efficiency ratio | 55.8330% | 5,921 |
| Assets per employee ($millions) | 5.0048% | 2,160 |
| Cash dividends to net income (ytd only)* | 31.8127% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,680 |
| Loan loss allowance to noncurrent loans | 255.9850% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1795% | 3,296 |
| Noncurrent loans to loans | 0.7886% | 4,269 |
| Net loans and leases to total assets | 64.2266% | 2,965 |
| Net loans and leases to deposits | 73.0213% | 3,401 |
| Net loans and leases to core deposits | 86.4459% | 2,355 |
| Total domestic deposits to total assets | 87.9561% | 2,159 |
| Equity capital to assets | 11.2124% | 2,550 |
| Core capital (leverage) ratio | 10.8814% | 2,586 |
| Tier 1 risk-based capital ratio | 14.9316% | 3,799 |
| Total risk-based capital ratio | 16.1880% | 3,741 |
| Memoranda: | ||
| Average total assets | $159,417,500 | 3,600 |
| Average earning assets | $149,457,250 | 3,544 |
| Average equity | $18,032,000 | 3,452 |
| Average total loans | $101,346,000 | 3,446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 1,265 |
| Cost of funding earning assets | 1.1006% | 339 |
| Net interest margin | 3.7305% | 2,846 |
| Noninterest income to average assets | 0.2462% | 5,687 |
| Noninterest expense to average assets | 2.2171% | 5,587 |
| Loan and lease loss provision to assets | 0.2984% | 1,214 |
| Net operating income to assets | 1.1300% | 1,816 |
| Return on assets (ROA) | 1.3156% | 1,367 |
| Pretax return on assets | 1.4499% | 1,764 |
| Return on Equity (ROE) | 11.5983% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.4898% | 2,154 |
| Net charge-offs to loans | 0.4682% | 1,408 |
| Credit loss provision to net charge-offs | 101.2658% | 2,180 |
| Earnings coverage of net charge-offs (x) | 5.2405% | 2,938 |
| Efficiency ratio | 58.9421% | 5,609 |
| Assets per employee ($millions) | 4.9825% | 2,133 |
| Cash dividends to net income (ytd only)* | 44.0454% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9055% | 2,101 |
| Loan loss allowance to noncurrent loans | 210.1842% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 3,238 |
| Noncurrent loans to loans | 0.9066% | 4,114 |
| Net loans and leases to total assets | 64.6575% | 2,816 |
| Net loans and leases to deposits | 73.1350% | 3,274 |
| Net loans and leases to core deposits | 86.7369% | 2,257 |
| Total domestic deposits to total assets | 88.4084% | 1,978 |
| Equity capital to assets | 10.7836% | 2,962 |
| Core capital (leverage) ratio | 10.3574% | 3,036 |
| Tier 1 risk-based capital ratio | 14.3524% | 4,191 |
| Total risk-based capital ratio | 15.6070% | 4,143 |
| Memoranda: | ||
| Average total assets | $160,840,330 | 3,595 |
| Average earning assets | $151,560,330 | 3,525 |
| Average equity | $18,244,000 | 3,439 |
| Average total loans | $101,228,000 | 3,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7425% | 1,428 |
| Cost of funding earning assets | 1.0734% | 426 |
| Net interest margin | 3.6691% | 2,992 |
| Noninterest income to average assets | 0.2439% | 5,711 |
| Noninterest expense to average assets | 2.1313% | 5,842 |
| Loan and lease loss provision to assets | 0.2439% | 1,479 |
| Net operating income to assets | 1.2209% | 1,472 |
| Return on assets (ROA) | 1.3851% | 1,144 |
| Pretax return on assets | 1.5168% | 1,522 |
| Return on Equity (ROE) | 11.9340% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.8540% | 1,142 |
| Net charge-offs to loans | 0.7054% | 866 |
| Credit loss provision to net charge-offs | 56.1798% | 2,504 |
| Earnings coverage of net charge-offs (x) | 3.6404% | 2,715 |
| Efficiency ratio | 57.4244% | 5,908 |
| Assets per employee ($millions) | 5.1968% | 1,983 |
| Cash dividends to net income (ytd only)* | 17.4296% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 2,459 |
| Loan loss allowance to noncurrent loans | 160.9524% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 4,309 |
| Noncurrent loans to loans | 1.1470% | 3,865 |
| Net loans and leases to total assets | 61.3520% | 3,198 |
| Net loans and leases to deposits | 70.1845% | 3,450 |
| Net loans and leases to core deposits | 82.5783% | 2,504 |
| Total domestic deposits to total assets | 87.4153% | 2,681 |
| Equity capital to assets | 11.7542% | 2,212 |
| Core capital (leverage) ratio | 10.1926% | 3,158 |
| Tier 1 risk-based capital ratio | 14.4662% | 4,201 |
| Total risk-based capital ratio | 15.7210% | 4,162 |
| Memoranda: | ||
| Average total assets | $164,032,000 | 3,592 |
| Average earning assets | $155,024,000 | 3,512 |
| Average equity | $19,038,000 | 3,372 |
| Average total loans | $100,938,000 | 3,482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3641% | 811 |
| Cost of funding earning assets | 1.4265% | 230 |
| Net interest margin | 3.9376% | 2,660 |
| Noninterest income to average assets | 0.3019% | 5,294 |
| Noninterest expense to average assets | 1.9456% | 6,426 |
| Loan and lease loss provision to assets | 0.3632% | 1,819 |
| Net operating income to assets | 1.6318% | 714 |
| Return on assets (ROA) | 3.1945% | 91 |
| Pretax return on assets | 3.3764% | 108 |
| Return on Equity (ROE) | 32.1790% | 52 |
| Retained earnings to average equity (ytd only) | 22.9332% | 44 |
| Net charge-offs to loans | 0.3024% | 3,134 |
| Credit loss provision to net charge-offs | 190.3974% | 1,374 |
| Earnings coverage of net charge-offs (x) | 10.9801% | 2,082 |
| Efficiency ratio | 48.1551% | 6,700 |
| Assets per employee ($millions) | 5.3859% | 1,804 |
| Cash dividends to net income (ytd only)* | 28.7325% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,255 |
| Loan loss allowance to noncurrent loans | 171.4159% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 4,718 |
| Noncurrent loans to loans | 1.1168% | 3,977 |
| Net loans and leases to total assets | 59.4392% | 3,695 |
| Net loans and leases to deposits | 67.8137% | 4,011 |
| Net loans and leases to core deposits | 95.5242% | 1,347 |
| Total domestic deposits to total assets | 87.6506% | 2,450 |
| Equity capital to assets | 11.4635% | 2,483 |
| Core capital (leverage) ratio | 9.5223% | 4,073 |
| Tier 1 risk-based capital ratio | 13.9243% | 4,427 |
| Total risk-based capital ratio | 15.1430% | 4,420 |
| Memoranda: | ||
| Average total assets | $158,305,800 | 3,649 |
| Average earning assets | $150,296,400 | 3,547 |
| Average equity | $15,715,200 | 3,825 |
| Average total loans | $99,873,000 | 3,526 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4589% | 748 |
| Cost of funding earning assets | 1.4579% | 241 |
| Net interest margin | 4.0010% | 2,495 |
| Noninterest income to average assets | 0.2844% | 5,510 |
| Noninterest expense to average assets | 1.8769% | 6,564 |
| Loan and lease loss provision to assets | 0.4910% | 1,257 |
| Net operating income to assets | 1.6263% | 798 |
| Return on assets (ROA) | 1.8940% | 535 |
| Pretax return on assets | 2.0016% | 703 |
| Return on Equity (ROE) | 19.9021% | 331 |
| Retained earnings to average equity (ytd only) | 15.3080% | 219 |
| Net charge-offs to loans | 0.4219% | 2,408 |
| Credit loss provision to net charge-offs | 182.5397% | 1,527 |
| Earnings coverage of net charge-offs (x) | 8.2190% | 2,483 |
| Efficiency ratio | 45.9160% | 6,818 |
| Assets per employee ($millions) | 5.8562% | 1,333 |
| Cash dividends to net income (ytd only)* | 23.0839% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8712% | 2,576 |
| Loan loss allowance to noncurrent loans | 108.4602% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 4,080 |
| Noncurrent loans to loans | 1.7252% | 3,202 |
| Net loans and leases to total assets | 61.5018% | 3,479 |
| Net loans and leases to deposits | 69.0095% | 4,029 |
| Net loans and leases to core deposits | 97.6424% | 1,292 |
| Total domestic deposits to total assets | 89.1208% | 1,364 |
| Equity capital to assets | 9.9815% | 4,520 |
| Core capital (leverage) ratio | 8.6028% | 5,617 |
| Tier 1 risk-based capital ratio | 12.2797% | 5,785 |
| Total risk-based capital ratio | 13.5343% | 5,754 |
| Memoranda: | ||
| Average total assets | $156,141,250 | 3,720 |
| Average earning assets | $148,427,500 | 3,622 |
| Average equity | $14,859,000 | 4,035 |
| Average total loans | $99,546,500 | 3,569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 748 |
| Cost of funding earning assets | 1.4667% | 269 |
| Net interest margin | 4.0157% | 2,434 |
| Noninterest income to average assets | 0.2866% | 5,517 |
| Noninterest expense to average assets | 1.9123% | 6,576 |
| Loan and lease loss provision to assets | 0.6188% | 941 |
| Net operating income to assets | 1.4837% | 1,019 |
| Return on assets (ROA) | 1.4837% | 1,140 |
| Pretax return on assets | 1.5932% | 1,569 |
| Return on Equity (ROE) | 15.8676% | 788 |
| Retained earnings to average equity (ytd only) | 10.9638% | 754 |
| Net charge-offs to loans | 0.6377% | 1,722 |
| Credit loss provision to net charge-offs | 151.2739% | 1,826 |
| Earnings coverage of net charge-offs (x) | 5.4076% | 2,844 |
| Efficiency ratio | 46.3677% | 6,871 |
| Assets per employee ($millions) | 5.8110% | 1,366 |
| Cash dividends to net income (ytd only)* | 30.9043% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8056% | 2,834 |
| Loan loss allowance to noncurrent loans | 122.3190% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 4,476 |
| Noncurrent loans to loans | 1.4762% | 3,697 |
| Net loans and leases to total assets | 60.9966% | 3,628 |
| Net loans and leases to deposits | 68.1146% | 4,175 |
| Net loans and leases to core deposits | 92.9392% | 1,688 |
| Total domestic deposits to total assets | 89.5501% | 1,194 |
| Equity capital to assets | 9.2429% | 5,412 |
| Core capital (leverage) ratio | 8.3477% | 5,852 |
| Tier 1 risk-based capital ratio | 11.7340% | 6,094 |
| Total risk-based capital ratio | 12.9879% | 6,072 |
| Memoranda: | ||
| Average total assets | $153,530,330 | 3,778 |
| Average earning assets | $146,722,670 | 3,661 |
| Average equity | $14,356,330 | 4,124 |
| Average total loans | $98,472,000 | 3,612 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6974% | 520 |
| Cost of funding earning assets | 1.4840% | 311 |
| Net interest margin | 4.2134% | 1,725 |
| Noninterest income to average assets | 0.2793% | 5,631 |
| Noninterest expense to average assets | 2.0706% | 6,335 |
| Loan and lease loss provision to assets | 1.1414% | 347 |
| Net operating income to assets | 0.9883% | 2,524 |
| Return on assets (ROA) | 0.9883% | 2,720 |
| Pretax return on assets | 1.1011% | 3,319 |
| Return on Equity (ROE) | 10.5030% | 2,231 |
| Retained earnings to average equity (ytd only) | 7.9058% | 2,025 |
| Net charge-offs to loans | 0.0947% | 3,579 |
| Credit loss provision to net charge-offs | 1,847.8261% | 183 |
| Earnings coverage of net charge-offs (x) | 36.3043% | 810 |
| Efficiency ratio | 48.0075% | 6,803 |
| Assets per employee ($millions) | 5.3060% | 1,880 |
| Cash dividends to net income (ytd only)* | 24.7283% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 2,056 |
| Loan loss allowance to noncurrent loans | 154.8726% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 4,459 |
| Noncurrent loans to loans | 1.3678% | 4,066 |
| Net loans and leases to total assets | 62.0393% | 3,246 |
| Net loans and leases to deposits | 69.3031% | 3,831 |
| Net loans and leases to core deposits | 80.5541% | 3,002 |
| Total domestic deposits to total assets | 89.5188% | 1,363 |
| Equity capital to assets | 9.2432% | 5,174 |
| Core capital (leverage) ratio | 8.4447% | 5,685 |
| Tier 1 risk-based capital ratio | 11.7407% | 6,132 |
| Total risk-based capital ratio | 12.9985% | 6,108 |
| Memoranda: | ||
| Average total assets | $148,941,000 | 3,891 |
| Average earning assets | $142,591,500 | 3,769 |
| Average equity | $14,015,000 | 4,198 |
| Average total loans | $97,172,000 | 3,658 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1088% | 361 |
| Cost of funding earning assets | 1.6711% | 361 |
| Net interest margin | 4.4377% | 1,295 |
| Noninterest income to average assets | 0.3461% | 5,036 |
| Noninterest expense to average assets | 1.9393% | 6,781 |
| Loan and lease loss provision to assets | 0.6257% | 1,636 |
| Net operating income to assets | 1.8925% | 385 |
| Return on assets (ROA) | 1.8878% | 422 |
| Pretax return on assets | 2.0051% | 529 |
| Return on Equity (ROE) | 21.0536% | 219 |
| Retained earnings to average equity (ytd only) | 15.0246% | 130 |
| Net charge-offs to loans | 0.5728% | 2,735 |
| Credit loss provision to net charge-offs | 157.9422% | 1,758 |
| Earnings coverage of net charge-offs (x) | 6.6534% | 2,471 |
| Efficiency ratio | 42.3882% | 7,161 |
| Assets per employee ($millions) | 5.3336% | 1,799 |
| Cash dividends to net income (ytd only)* | 28.6364% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 3,134 |
| Loan loss allowance to noncurrent loans | 139.1632% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 4,636 |
| Noncurrent loans to loans | 1.2343% | 4,302 |
| Net loans and leases to total assets | 66.0746% | 2,768 |
| Net loans and leases to deposits | 74.1689% | 3,469 |
| Net loans and leases to core deposits | 78.0261% | 3,686 |
| Total domestic deposits to total assets | 89.0866% | 1,485 |
| Equity capital to assets | 9.5877% | 4,762 |
| Core capital (leverage) ratio | 8.8828% | 4,971 |
| Tier 1 risk-based capital ratio | 11.0786% | 6,413 |
| Total risk-based capital ratio | 12.3310% | 6,392 |
| Memoranda: | ||
| Average total assets | $139,844,600 | 3,979 |
| Average earning assets | $133,266,200 | 3,862 |
| Average equity | $12,539,400 | 4,434 |
| Average total loans | $96,720,600 | 3,708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1614% | 352 |
| Cost of funding earning assets | 1.6895% | 412 |
| Net interest margin | 4.4719% | 1,210 |
| Noninterest income to average assets | 0.3343% | 5,185 |
| Noninterest expense to average assets | 1.9547% | 6,775 |
| Loan and lease loss provision to assets | 0.4323% | 2,314 |
| Net operating income to assets | 2.0831% | 299 |
| Return on assets (ROA) | 2.0940% | 317 |
| Pretax return on assets | 2.2151% | 414 |
| Return on Equity (ROE) | 23.7807% | 170 |
| Retained earnings to average equity (ytd only) | 18.2828% | 109 |
| Net charge-offs to loans | 0.2151% | 4,093 |
| Credit loss provision to net charge-offs | 288.4615% | 993 |
| Earnings coverage of net charge-offs (x) | 17.5902% | 1,344 |
| Efficiency ratio | 42.5821% | 7,191 |
| Assets per employee ($millions) | 5.4623% | 1,640 |
| Cash dividends to net income (ytd only)* | 23.1192% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7016% | 3,262 |
| Loan loss allowance to noncurrent loans | 82.5517% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 3,816 |
| Noncurrent loans to loans | 2.0613% | 3,288 |
| Net loans and leases to total assets | 66.5857% | 2,767 |
| Net loans and leases to deposits | 74.8982% | 3,522 |
| Net loans and leases to core deposits | 78.8488% | 3,788 |
| Total domestic deposits to total assets | 88.9016% | 1,483 |
| Equity capital to assets | 9.5022% | 5,081 |
| Core capital (leverage) ratio | 8.7972% | 5,267 |
| Tier 1 risk-based capital ratio | 11.0020% | 6,540 |
| Total risk-based capital ratio | 12.2542% | 6,521 |
| Memoranda: | ||
| Average total assets | $138,804,000 | 4,025 |
| Average earning assets | $132,110,250 | 3,913 |
| Average equity | $12,222,500 | 4,510 |
| Average total loans | $96,697,000 | 3,735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2472% | 302 |
| Cost of funding earning assets | 1.6840% | 499 |
| Net interest margin | 4.5632% | 981 |
| Noninterest income to average assets | 0.3195% | 5,344 |
| Noninterest expense to average assets | 2.0460% | 6,698 |
| Loan and lease loss provision to assets | 0.3630% | 2,615 |
| Net operating income to assets | 2.1520% | 277 |
| Return on assets (ROA) | 2.1520% | 284 |
| Pretax return on assets | 2.2740% | 364 |
| Return on Equity (ROE) | 25.1222% | 130 |
| Retained earnings to average equity (ytd only) | 18.8332% | 119 |
| Net charge-offs to loans | -0.0413% | 6,999 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6899% | 7,245 |
| Assets per employee ($millions) | 5.3071% | 1,750 |
| Cash dividends to net income (ytd only)* | 25.0337% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 3,545 |
| Loan loss allowance to noncurrent loans | 99.6910% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.1480% | 4,590 |
| Noncurrent loans to loans | 1.6427% | 3,946 |
| Net loans and leases to total assets | 67.6137% | 2,690 |
| Net loans and leases to deposits | 76.0157% | 3,467 |
| Net loans and leases to core deposits | 79.9843% | 3,786 |
| Total domestic deposits to total assets | 88.9470% | 1,568 |
| Equity capital to assets | 8.7018% | 5,944 |
| Core capital (leverage) ratio | 8.4470% | 5,634 |
| Tier 1 risk-based capital ratio | 10.3066% | 6,871 |
| Total risk-based capital ratio | 11.5589% | 6,858 |
| Memoranda: | ||
| Average total assets | $137,732,000 | 4,068 |
| Average earning assets | $131,706,670 | 3,946 |
| Average equity | $11,798,330 | 4,614 |
| Average total loans | $96,862,000 | 3,774 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2271% | 319 |
| Cost of funding earning assets | 1.7053% | 538 |
| Net interest margin | 4.5217% | 1,019 |
| Noninterest income to average assets | 0.3083% | 5,459 |
| Noninterest expense to average assets | 2.1222% | 6,585 |
| Loan and lease loss provision to assets | 0.2964% | 2,786 |
| Net operating income to assets | 2.0956% | 301 |
| Return on assets (ROA) | 2.0956% | 313 |
| Pretax return on assets | 2.2200% | 386 |
| Return on Equity (ROE) | 24.6707% | 175 |
| Retained earnings to average equity (ytd only) | 21.4604% | 144 |
| Net charge-offs to loans | -0.0666% | 6,977 |
| Credit loss provision to net charge-offs | -625.0000% | 6,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7508% | 7,213 |
| Assets per employee ($millions) | 5.6322% | 1,465 |
| Cash dividends to net income (ytd only)* | 13.0127% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4877% | 4,272 |
| Loan loss allowance to noncurrent loans | 113.1885% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 0.9346% | 5,021 |
| Noncurrent loans to loans | 1.3143% | 4,504 |
| Net loans and leases to total assets | 68.6157% | 2,422 |
| Net loans and leases to deposits | 76.6287% | 3,314 |
| Net loans and leases to core deposits | 80.3912% | 3,688 |
| Total domestic deposits to total assets | 89.5431% | 1,460 |
| Equity capital to assets | 8.3938% | 6,061 |
| Core capital (leverage) ratio | 8.2865% | 5,832 |
| Tier 1 risk-based capital ratio | 10.0240% | 6,996 |
| Total risk-based capital ratio | 11.2740% | 6,991 |
| Memoranda: | ||
| Average total assets | $134,952,000 | 4,155 |
| Average earning assets | $129,242,500 | 4,040 |
| Average equity | $11,463,000 | 4,680 |
| Average total loans | $96,044,000 | 3,831 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2632% | 497 |
| Cost of funding earning assets | 1.9791% | 651 |
| Net interest margin | 4.2841% | 1,883 |
| Noninterest income to average assets | 0.4107% | 4,820 |
| Noninterest expense to average assets | 2.1108% | 6,820 |
| Loan and lease loss provision to assets | 0.3966% | 3,737 |
| Net operating income to assets | 1.8666% | 365 |
| Return on assets (ROA) | 1.8666% | 394 |
| Pretax return on assets | 1.9608% | 528 |
| Return on Equity (ROE) | 23.0133% | 142 |
| Retained earnings to average equity (ytd only) | 15.6262% | 107 |
| Net charge-offs to loans | 0.2181% | 4,987 |
| Credit loss provision to net charge-offs | 258.9744% | 1,089 |
| Earnings coverage of net charge-offs (x) | 15.3949% | 1,283 |
| Efficiency ratio | 47.2408% | 7,298 |
| Assets per employee ($millions) | 4.7814% | 2,442 |
| Cash dividends to net income (ytd only)* | 32.0993% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,383 |
| Loan loss allowance to noncurrent loans | 131.6667% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 5,377 |
| Noncurrent loans to loans | 1.0849% | 4,920 |
| Net loans and leases to total assets | 71.7835% | 2,147 |
| Net loans and leases to deposits | 85.0700% | 2,268 |
| Net loans and leases to core deposits | 87.6496% | 3,098 |
| Total domestic deposits to total assets | 84.3816% | 4,188 |
| Equity capital to assets | 8.6035% | 5,716 |
| Core capital (leverage) ratio | 8.6634% | 5,086 |
| Tier 1 risk-based capital ratio | 10.2050% | 6,869 |
| Total risk-based capital ratio | 11.4556% | 6,845 |
| Memoranda: | ||
| Average total assets | $127,342,800 | 4,331 |
| Average earning assets | $120,609,200 | 4,213 |
| Average equity | $10,328,800 | 5,031 |
| Average total loans | $89,422,800 | 4,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2840% | 527 |
| Cost of funding earning assets | 2.0465% | 648 |
| Net interest margin | 4.2375% | 2,075 |
| Noninterest income to average assets | 0.4182% | 4,812 |
| Noninterest expense to average assets | 2.0729% | 6,904 |
| Loan and lease loss provision to assets | 0.3992% | 3,512 |
| Net operating income to assets | 1.8586% | 443 |
| Return on assets (ROA) | 1.8586% | 492 |
| Pretax return on assets | 1.9531% | 697 |
| Return on Equity (ROE) | 23.2737% | 155 |
| Retained earnings to average equity (ytd only) | 16.8796% | 140 |
| Net charge-offs to loans | 0.2779% | 4,277 |
| Credit loss provision to net charge-offs | 206.5217% | 1,715 |
| Earnings coverage of net charge-offs (x) | 12.1683% | 1,717 |
| Efficiency ratio | 46.8424% | 7,348 |
| Assets per employee ($millions) | 5.0498% | 2,111 |
| Cash dividends to net income (ytd only)* | 27.4730% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 4,742 |
| Loan loss allowance to noncurrent loans | 185.3695% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 6,002 |
| Noncurrent loans to loans | 0.7242% | 5,760 |
| Net loans and leases to total assets | 71.5440% | 2,349 |
| Net loans and leases to deposits | 82.5896% | 2,985 |
| Net loans and leases to core deposits | 87.0529% | 3,516 |
| Total domestic deposits to total assets | 86.6259% | 2,732 |
| Equity capital to assets | 8.6103% | 6,138 |
| Core capital (leverage) ratio | 8.4913% | 5,523 |
| Tier 1 risk-based capital ratio | 10.1582% | 6,977 |
| Total risk-based capital ratio | 11.3530% | 6,991 |
| Memoranda: | ||
| Average total assets | $126,904,000 | 4,395 |
| Average earning assets | $120,005,500 | 4,286 |
| Average equity | $10,134,250 | 5,153 |
| Average total loans | $88,275,000 | 4,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2730% | 536 |
| Cost of funding earning assets | 2.1032% | 650 |
| Net interest margin | 4.1698% | 2,262 |
| Noninterest income to average assets | 0.4264% | 4,703 |
| Noninterest expense to average assets | 2.1113% | 6,865 |
| Loan and lease loss provision to assets | 0.4405% | 3,114 |
| Net operating income to assets | 1.7290% | 554 |
| Return on assets (ROA) | 1.7290% | 606 |
| Pretax return on assets | 1.8234% | 847 |
| Return on Equity (ROE) | 22.2267% | 200 |
| Retained earnings to average equity (ytd only) | 15.2493% | 229 |
| Net charge-offs to loans | 0.2340% | 4,202 |
| Credit loss provision to net charge-offs | 274.5098% | 1,358 |
| Earnings coverage of net charge-offs (x) | 14.1078% | 1,543 |
| Efficiency ratio | 48.2560% | 7,330 |
| Assets per employee ($millions) | 5.1996% | 1,925 |
| Cash dividends to net income (ytd only)* | 31.3922% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,701 |
| Loan loss allowance to noncurrent loans | 130.6365% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 5,598 |
| Noncurrent loans to loans | 1.0302% | 5,245 |
| Net loans and leases to total assets | 68.2937% | 3,290 |
| Net loans and leases to deposits | 79.6610% | 3,659 |
| Net loans and leases to core deposits | 85.0164% | 3,993 |
| Total domestic deposits to total assets | 85.7304% | 3,245 |
| Equity capital to assets | 7.9429% | 6,813 |
| Core capital (leverage) ratio | 7.6706% | 6,647 |
| Tier 1 risk-based capital ratio | 9.8358% | 7,112 |
| Total risk-based capital ratio | 11.0365% | 7,123 |
| Memoranda: | ||
| Average total assets | $127,124,000 | 4,422 |
| Average earning assets | $120,388,670 | 4,303 |
| Average equity | $9,889,000 | 5,234 |
| Average total loans | $87,183,670 | 4,222 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2713% | 556 |
| Cost of funding earning assets | 2.1106% | 788 |
| Net interest margin | 4.1607% | 2,194 |
| Noninterest income to average assets | 0.4233% | 4,713 |
| Noninterest expense to average assets | 2.1481% | 6,811 |
| Loan and lease loss provision to assets | 0.3182% | 3,506 |
| Net operating income to assets | 1.7949% | 501 |
| Return on assets (ROA) | 1.7949% | 549 |
| Pretax return on assets | 1.8904% | 746 |
| Return on Equity (ROE) | 23.3275% | 212 |
| Retained earnings to average equity (ytd only) | 19.5636% | 195 |
| Net charge-offs to loans | 0.2938% | 3,236 |
| Credit loss provision to net charge-offs | 158.7302% | 2,265 |
| Earnings coverage of net charge-offs (x) | 11.0159% | 1,688 |
| Efficiency ratio | 49.3061% | 7,359 |
| Assets per employee ($millions) | 4.8577% | 2,428 |
| Cash dividends to net income (ytd only)* | 16.1348% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 5,377 |
| Loan loss allowance to noncurrent loans | 191.0714% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 5,773 |
| Noncurrent loans to loans | 0.6401% | 6,041 |
| Net loans and leases to total assets | 68.4207% | 3,294 |
| Net loans and leases to deposits | 79.9793% | 3,658 |
| Net loans and leases to core deposits | 85.4978% | 3,973 |
| Total domestic deposits to total assets | 85.5480% | 3,387 |
| Equity capital to assets | 7.8859% | 6,772 |
| Core capital (leverage) ratio | 7.8448% | 6,440 |
| Tier 1 risk-based capital ratio | 9.8211% | 7,139 |
| Total risk-based capital ratio | 10.9113% | 7,217 |
| Memoranda: | ||
| Average total assets | $125,691,000 | 4,508 |
| Average earning assets | $118,827,500 | 4,407 |
| Average equity | $9,671,000 | 5,330 |
| Average total loans | $85,782,500 | 4,329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5590% | 594 |
| Cost of funding earning assets | 2.5666% | 863 |
| Net interest margin | 3.9925% | 2,895 |
| Noninterest income to average assets | 0.4875% | 4,506 |
| Noninterest expense to average assets | 2.2042% | 6,986 |
| Loan and lease loss provision to assets | 0.2742% | 5,218 |
| Net operating income to assets | 1.6874% | 462 |
| Return on assets (ROA) | 1.6923% | 479 |
| Pretax return on assets | 1.7924% | 645 |
| Return on Equity (ROE) | 21.8456% | 170 |
| Retained earnings to average equity (ytd only) | 13.4288% | 138 |
| Net charge-offs to loans | 0.1410% | 5,815 |
| Credit loss provision to net charge-offs | 286.3636% | 1,174 |
| Earnings coverage of net charge-offs (x) | 21.5273% | 998 |
| Efficiency ratio | 51.6735% | 7,412 |
| Assets per employee ($millions) | 4.8108% | 2,467 |
| Cash dividends to net income (ytd only)* | 38.5288% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 5,184 |
| Loan loss allowance to noncurrent loans | 366.3121% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 6,820 |
| Noncurrent loans to loans | 0.3354% | 6,610 |
| Net loans and leases to total assets | 66.3938% | 4,060 |
| Net loans and leases to deposits | 80.2044% | 3,952 |
| Net loans and leases to core deposits | 98.6787% | 4,156 |
| Total domestic deposits to total assets | 82.7808% | 4,625 |
| Equity capital to assets | 7.5007% | 7,035 |
| Core capital (leverage) ratio | 7.5732% | 6,716 |
| Tier 1 risk-based capital ratio | 9.6341% | 7,133 |
| Total risk-based capital ratio | 10.7199% | 7,221 |
| Memoranda: | ||
| Average total assets | $114,871,400 | 4,702 |
| Average earning assets | $108,705,000 | 4,605 |
| Average equity | $8,898,800 | 5,636 |
| Average total loans | $78,006,200 | 4,584 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5724% | 651 |
| Cost of funding earning assets | 2.6497% | 911 |
| Net interest margin | 3.9226% | 3,149 |
| Noninterest income to average assets | 0.4914% | 4,557 |
| Noninterest expense to average assets | 2.2424% | 6,864 |
| Loan and lease loss provision to assets | 0.2730% | 4,787 |
| Net operating income to assets | 1.6432% | 614 |
| Return on assets (ROA) | 1.6512% | 657 |
| Pretax return on assets | 1.7046% | 967 |
| Return on Equity (ROE) | 21.1280% | 249 |
| Retained earnings to average equity (ytd only) | 13.3968% | 234 |
| Net charge-offs to loans | 0.0192% | 6,641 |
| Credit loss provision to net charge-offs | 2,090.9091% | 188 |
| Earnings coverage of net charge-offs (x) | 150.7798% | 254 |
| Efficiency ratio | 53.2413% | 7,315 |
| Assets per employee ($millions) | 4.6361% | 2,654 |
| Cash dividends to net income (ytd only)* | 36.5924% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 4,622 |
| Loan loss allowance to noncurrent loans | 239.9083% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 6,483 |
| Noncurrent loans to loans | 0.5332% | 6,242 |
| Net loans and leases to total assets | 66.9758% | 4,191 |
| Net loans and leases to deposits | 79.6448% | 4,448 |
| Net loans and leases to core deposits | 96.4632% | 4,759 |
| Total domestic deposits to total assets | 84.0931% | 3,683 |
| Equity capital to assets | 7.6705% | 7,173 |
| Core capital (leverage) ratio | 7.6000% | 6,860 |
| Tier 1 risk-based capital ratio | 9.6282% | 7,291 |
| Total risk-based capital ratio | 10.7658% | 7,328 |
| Memoranda: | ||
| Average total assets | $112,319,000 | 4,798 |
| Average earning assets | $106,524,000 | 4,690 |
| Average equity | $8,778,000 | 5,727 |
| Average total loans | $76,488,000 | 4,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6394% | 614 |
| Cost of funding earning assets | 2.7163% | 992 |
| Net interest margin | 3.9231% | 3,005 |
| Noninterest income to average assets | 0.4764% | 4,661 |
| Noninterest expense to average assets | 2.2504% | 6,918 |
| Loan and lease loss provision to assets | 0.2920% | 4,233 |
| Net operating income to assets | 1.5937% | 690 |
| Return on assets (ROA) | 1.6043% | 739 |
| Pretax return on assets | 1.6591% | 1,094 |
| Return on Equity (ROE) | 20.3897% | 312 |
| Retained earnings to average equity (ytd only) | 12.6421% | 364 |
| Net charge-offs to loans | -0.0214% | 7,710 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7021% | 7,360 |
| Assets per employee ($millions) | 4.5051% | 2,767 |
| Cash dividends to net income (ytd only)* | 37.9977% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 4,377 |
| Loan loss allowance to noncurrent loans | 233.0211% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 6,435 |
| Noncurrent loans to loans | 0.5509% | 6,167 |
| Net loans and leases to total assets | 67.9405% | 4,160 |
| Net loans and leases to deposits | 80.3216% | 4,495 |
| Net loans and leases to core deposits | 95.5556% | 4,952 |
| Total domestic deposits to total assets | 84.5855% | 3,457 |
| Equity capital to assets | 7.7636% | 7,015 |
| Core capital (leverage) ratio | 7.6077% | 6,889 |
| Tier 1 risk-based capital ratio | 9.9085% | 7,030 |
| Total risk-based capital ratio | 11.0663% | 7,058 |
| Memoranda: | ||
| Average total assets | $109,579,000 | 4,894 |
| Average earning assets | $103,745,000 | 4,797 |
| Average equity | $8,622,000 | 5,806 |
| Average total loans | $74,724,670 | 4,783 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6023% | 703 |
| Cost of funding earning assets | 2.7020% | 1,267 |
| Net interest margin | 3.9003% | 3,036 |
| Noninterest income to average assets | 0.5109% | 4,222 |
| Noninterest expense to average assets | 2.3025% | 6,531 |
| Loan and lease loss provision to assets | 0.4627% | 2,620 |
| Net operating income to assets | 1.3771% | 1,188 |
| Return on assets (ROA) | 1.3771% | 1,280 |
| Pretax return on assets | 1.4326% | 1,875 |
| Return on Equity (ROE) | 17.3811% | 649 |
| Retained earnings to average equity (ytd only) | 13.1293% | 623 |
| Net charge-offs to loans | -0.0109% | 7,292 |
| Credit loss provision to net charge-offs | -6,250.0000% | 6,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8501% | 7,125 |
| Assets per employee ($millions) | 4.3164% | 3,043 |
| Cash dividends to net income (ytd only)* | 24.4624% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 4,212 |
| Loan loss allowance to noncurrent loans | 1,514.2857% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 7,318 |
| Noncurrent loans to loans | 0.0845% | 7,286 |
| Net loans and leases to total assets | 68.2396% | 4,078 |
| Net loans and leases to deposits | 84.0003% | 3,985 |
| Net loans and leases to core deposits | 97.8695% | 4,757 |
| Total domestic deposits to total assets | 81.2373% | 4,874 |
| Equity capital to assets | 7.9371% | 6,906 |
| Core capital (leverage) ratio | 7.6589% | 6,939 |
| Tier 1 risk-based capital ratio | 10.1918% | 6,725 |
| Total risk-based capital ratio | 11.3701% | 6,703 |
| Memoranda: | ||
| Average total assets | $108,054,500 | 4,946 |
| Average earning assets | $102,146,000 | 4,857 |
| Average equity | $8,561,000 | 5,862 |
| Average total loans | $73,329,500 | 4,858 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0715% | 967 |
| Cost of funding earning assets | 3.2724% | 998 |
| Net interest margin | 3.7992% | 4,021 |
| Noninterest income to average assets | 0.4644% | 4,929 |
| Noninterest expense to average assets | 2.2053% | 6,949 |
| Loan and lease loss provision to assets | 0.1034% | 6,056 |
| Net operating income to assets | 1.6395% | 772 |
| Return on assets (ROA) | 1.6395% | 733 |
| Pretax return on assets | 1.7212% | 1,098 |
| Return on Equity (ROE) | 19.9031% | 383 |
| Retained earnings to average equity (ytd only) | 9.4304% | 533 |
| Net charge-offs to loans | 0.2230% | 3,999 |
| Credit loss provision to net charge-offs | 68.9655% | 6,086 |
| Earnings coverage of net charge-offs (x) | 12.1655% | 2,282 |
| Efficiency ratio | 54.7228% | 7,182 |
| Assets per employee ($millions) | 4.5083% | 2,601 |
| Cash dividends to net income (ytd only)* | 52.6183% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 4,945 |
| Loan loss allowance to noncurrent loans | 972.9412% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 7,133 |
| Noncurrent loans to loans | 0.1179% | 7,059 |
| Net loans and leases to total assets | 65.8423% | 4,882 |
| Net loans and leases to deposits | 95.1503% | 2,589 |
| Net loans and leases to core deposits | 111.5740% | 3,607 |
| Total domestic deposits to total assets | 69.1981% | 7,360 |
| Equity capital to assets | 7.9086% | 6,958 |
| Core capital (leverage) ratio | 7.6583% | 6,988 |
| Tier 1 risk-based capital ratio | 10.1649% | 6,560 |
| Total risk-based capital ratio | 11.2195% | 6,653 |
| Memoranda: | ||
| Average total assets | $96,676,400 | 5,146 |
| Average earning assets | $90,729,800 | 5,061 |
| Average equity | $7,963,600 | 6,098 |
| Average total loans | $65,018,400 | 5,055 |