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 | 4.1393% | 3,740 |
| Cost of funding earning assets | 0.7551% | 3,846 |
| Net interest margin | 3.3842% | 2,436 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.8514% | 1,389 |
| Loan and lease loss provision to assets | -0.1100% | 4,523 |
| Net operating income to assets | 0.9689% | 2,310 |
| Return on assets (ROA) | 0.9779% | 2,275 |
| Pretax return on assets | 1.2424% | 2,024 |
| Return on Equity (ROE) | 7.9400% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.4647% | 1,724 |
| Net charge-offs to loans | -0.0034% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 71.7139% | 1,686 |
| Assets per employee ($millions) | 6.4866% | 2,423 |
| Cash dividends to net income (ytd only)* | 5.9463% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 3,724 |
| Loan loss allowance to noncurrent loans | 114.3056% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 1,112 |
| Noncurrent loans to loans | 0.7836% | 991 |
| Net loans and leases to total assets | 63.8100% | 2,481 |
| Net loans and leases to deposits | 79.4165% | 2,155 |
| Net loans and leases to core deposits | 82.9537% | 2,528 |
| Total domestic deposits to total assets | 80.3400% | 3,408 |
| Equity capital to assets | 12.9939% | 862 |
| Core capital (leverage) ratio | 14.4867% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $141,018,800 | 3,450 |
| Average earning assets | $130,843,400 | 3,441 |
| Average equity | $17,375,000 | 3,065 |
| Average total loans | $88,296,600 | 3,313 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 3,679 |
| Cost of funding earning assets | 0.6514% | 3,863 |
| Net interest margin | 3.4391% | 2,366 |
| Noninterest income to average assets | 0.8400% | 866 |
| Noninterest expense to average assets | 2.4476% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2336% | 1,690 |
| Return on assets (ROA) | 1.2404% | 1,670 |
| Pretax return on assets | 1.5903% | 1,381 |
| Return on Equity (ROE) | 10.2100% | 2,579 |
| Retained earnings to average equity (ytd only) | 9.5687% | 1,529 |
| Net charge-offs to loans | 0.0015% | 2,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,668.0000% | 85 |
| Efficiency ratio | 60.7437% | 2,882 |
| Assets per employee ($millions) | 6.5904% | 2,253 |
| Cash dividends to net income (ytd only)* | 6.2691% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 2,949 |
| Loan loss allowance to noncurrent loans | 91.5014% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7304% | 774 |
| Noncurrent loans to loans | 1.1832% | 663 |
| Net loans and leases to total assets | 61.0600% | 2,742 |
| Net loans and leases to deposits | 75.3616% | 2,470 |
| Net loans and leases to core deposits | 79.1684% | 2,657 |
| Total domestic deposits to total assets | 81.0300% | 3,382 |
| Equity capital to assets | 11.8692% | 1,072 |
| Core capital (leverage) ratio | 14.6358% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,597,250 | 3,460 |
| Average earning assets | $130,187,000 | 3,451 |
| Average equity | $17,083,000 | 3,078 |
| Average total loans | $87,401,250 | 3,330 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,570 |
| Cost of funding earning assets | 0.5158% | 3,948 |
| Net interest margin | 3.5442% | 2,163 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.4595% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3228% | 1,506 |
| Return on assets (ROA) | 1.3297% | 1,478 |
| Pretax return on assets | 1.7063% | 1,201 |
| Return on Equity (ROE) | 10.8600% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.8938% | 1,430 |
| Net charge-offs to loans | 0.0115% | 1,764 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 236.2000% | 530 |
| Efficiency ratio | 59.1632% | 3,058 |
| Assets per employee ($millions) | 6.8632% | 2,029 |
| Cash dividends to net income (ytd only)* | 8.8649% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 2,977 |
| Loan loss allowance to noncurrent loans | 100.3119% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7008% | 748 |
| Noncurrent loans to loans | 1.0913% | 661 |
| Net loans and leases to total assets | 63.5200% | 2,432 |
| Net loans and leases to deposits | 79.2561% | 2,029 |
| Net loans and leases to core deposits | 83.2169% | 2,257 |
| Total domestic deposits to total assets | 80.1400% | 3,561 |
| Equity capital to assets | 12.7835% | 864 |
| Core capital (leverage) ratio | 14.4654% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $139,133,333 | 3,484 |
| Average earning assets | $129,508,000 | 3,468 |
| Average equity | $17,041,000 | 3,103 |
| Average total loans | $86,700,667 | 3,339 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 3,772 |
| Cost of funding earning assets | 0.3596% | 4,050 |
| Net interest margin | 3.4851% | 2,408 |
| Noninterest income to average assets | 0.8200% | 816 |
| Noninterest expense to average assets | 2.4759% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2361% | 1,832 |
| Return on assets (ROA) | 1.2451% | 1,783 |
| Pretax return on assets | 1.5935% | 1,477 |
| Return on Equity (ROE) | 10.3900% | 2,668 |
| Retained earnings to average equity (ytd only) | 8.5776% | 2,062 |
| Net charge-offs to loans | -0.0186% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.0134% | 2,822 |
| Assets per employee ($millions) | 7.0293% | 1,958 |
| Cash dividends to net income (ytd only)* | 17.4312% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 2,866 |
| Loan loss allowance to noncurrent loans | 2,951.5152% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0235% | 3,559 |
| Noncurrent loans to loans | 0.0386% | 3,467 |
| Net loans and leases to total assets | 60.1900% | 2,629 |
| Net loans and leases to deposits | 68.9238% | 2,699 |
| Net loans and leases to core deposits | 70.5776% | 2,914 |
| Total domestic deposits to total assets | 87.3300% | 2,152 |
| Equity capital to assets | 12.2025% | 941 |
| Core capital (leverage) ratio | 14.0255% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $140,068,500 | 3,520 |
| Average earning assets | $130,154,500 | 3,502 |
| Average equity | $16,788,000 | 3,148 |
| Average total loans | $85,974,500 | 3,387 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 3,196 |
| Cost of funding earning assets | 0.2197% | 3,600 |
| Net interest margin | 3.2349% | 2,752 |
| Noninterest income to average assets | 1.1400% | 514 |
| Noninterest expense to average assets | 2.7891% | 1,339 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.1042% | 2,157 |
| Return on assets (ROA) | 1.1025% | 2,098 |
| Pretax return on assets | 1.4092% | 1,740 |
| Return on Equity (ROE) | 9.1600% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.0022% | 2,242 |
| Net charge-offs to loans | -0.0133% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.9700% | 2,094 |
| Assets per employee ($millions) | 6.9776% | 1,989 |
| Cash dividends to net income (ytd only)* | 23.5409% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 2,769 |
| Loan loss allowance to noncurrent loans | 836.2069% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 2,969 |
| Noncurrent loans to loans | 0.1343% | 2,843 |
| Net loans and leases to total assets | 61.1800% | 2,527 |
| Net loans and leases to deposits | 70.3129% | 2,559 |
| Net loans and leases to core deposits | 72.1684% | 2,711 |
| Total domestic deposits to total assets | 87.0100% | 2,389 |
| Equity capital to assets | 11.7670% | 1,002 |
| Core capital (leverage) ratio | 13.6754% | 775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $139,865,400 | 3,530 |
| Average earning assets | $130,605,200 | 3,525 |
| Average equity | $16,837,600 | 3,216 |
| Average total loans | $82,746,800 | 3,375 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 2,995 |
| Cost of funding earning assets | 0.1988% | 3,293 |
| Net interest margin | 3.1689% | 2,717 |
| Noninterest income to average assets | 0.8600% | 906 |
| Noninterest expense to average assets | 2.3561% | 2,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1432% | 1,918 |
| Return on assets (ROA) | 1.1395% | 1,905 |
| Pretax return on assets | 1.4577% | 1,532 |
| Return on Equity (ROE) | 9.4100% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.8547% | 2,422 |
| Net charge-offs to loans | -0.0114% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.7016% | 2,866 |
| Assets per employee ($millions) | 6.9207% | 2,003 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,217 |
| Loan loss allowance to noncurrent loans | 832.7869% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,050 |
| Noncurrent loans to loans | 0.1512% | 2,854 |
| Net loans and leases to total assets | 57.5500% | 2,754 |
| Net loans and leases to deposits | 65.2494% | 2,772 |
| Net loans and leases to core deposits | 66.8168% | 2,894 |
| Total domestic deposits to total assets | 88.2100% | 2,365 |
| Equity capital to assets | 11.3891% | 1,043 |
| Core capital (leverage) ratio | 13.6165% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $139,944,000 | 3,557 |
| Average earning assets | $130,811,500 | 3,538 |
| Average equity | $16,941,750 | 3,242 |
| Average total loans | $81,845,750 | 3,398 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 2,640 |
| Cost of funding earning assets | 0.1930% | 3,011 |
| Net interest margin | 3.1381% | 2,409 |
| Noninterest income to average assets | 0.7931% | 1,062 |
| Noninterest expense to average assets | 2.3011% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1217% | 1,694 |
| Return on assets (ROA) | 1.1150% | 1,697 |
| Pretax return on assets | 1.4240% | 1,375 |
| Return on Equity (ROE) | 9.0341% | 2,693 |
| Retained earnings to average equity (ytd only) | 5.2843% | 2,592 |
| Net charge-offs to loans | -0.0146% | 3,751 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6323% | 3,088 |
| Assets per employee ($millions) | 6.4274% | 2,369 |
| Cash dividends to net income (ytd only)* | 41.5070% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,362 |
| Loan loss allowance to noncurrent loans | 792.1875% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.0948% | 3,058 |
| Noncurrent loans to loans | 0.1596% | 2,899 |
| Net loans and leases to total assets | 58.6857% | 2,465 |
| Net loans and leases to deposits | 67.0808% | 2,464 |
| Net loans and leases to core deposits | 69.3793% | 2,536 |
| Total domestic deposits to total assets | 87.4851% | 2,770 |
| Equity capital to assets | 12.1348% | 830 |
| Core capital (leverage) ratio | 13.2223% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,454,333 | 3,595 |
| Average earning assets | $131,607,000 | 3,578 |
| Average equity | $17,334,333 | 3,291 |
| Average total loans | $82,234,667 | 3,425 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2405% | 2,567 |
| Cost of funding earning assets | 0.1936% | 2,880 |
| Net interest margin | 3.0469% | 2,342 |
| Noninterest income to average assets | 0.7738% | 1,103 |
| Noninterest expense to average assets | 2.2180% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1050% | 1,515 |
| Return on assets (ROA) | 1.1006% | 1,519 |
| Pretax return on assets | 1.4079% | 1,231 |
| Return on Equity (ROE) | 8.8480% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.7846% | 3,340 |
| Net charge-offs to loans | -0.0096% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0769% | 3,369 |
| Assets per employee ($millions) | 6.8103% | 2,135 |
| Cash dividends to net income (ytd only)* | 68.5279% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 2,816 |
| Loan loss allowance to noncurrent loans | 1,000.9901% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,360 |
| Noncurrent loans to loans | 0.1207% | 3,220 |
| Net loans and leases to total assets | 57.8155% | 2,317 |
| Net loans and leases to deposits | 65.8821% | 2,345 |
| Net loans and leases to core deposits | 67.6114% | 2,488 |
| Total domestic deposits to total assets | 87.7560% | 2,645 |
| Equity capital to assets | 11.9014% | 996 |
| Core capital (leverage) ratio | 12.9548% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,194,000 | 3,588 |
| Average earning assets | $134,299,500 | 3,576 |
| Average equity | $17,812,000 | 3,342 |
| Average total loans | $83,239,500 | 3,413 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3856% | 2,969 |
| Cost of funding earning assets | 0.2326% | 3,110 |
| Net interest margin | 3.1530% | 2,731 |
| Noninterest income to average assets | 0.8013% | 1,441 |
| Noninterest expense to average assets | 2.5620% | 1,984 |
| Loan and lease loss provision to assets | -0.0356% | 4,295 |
| Net operating income to assets | 0.9624% | 2,828 |
| Return on assets (ROA) | 0.9681% | 2,865 |
| Pretax return on assets | 1.2297% | 2,573 |
| Return on Equity (ROE) | 7.4168% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.6631% | 2,050 |
| Net charge-offs to loans | -0.0432% | 4,259 |
| Credit loss provision to net charge-offs | 142.8571% | 1,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3400% | 1,935 |
| Assets per employee ($millions) | 6.8272% | 2,049 |
| Cash dividends to net income (ytd only)* | 10.1620% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,793 |
| Loan loss allowance to noncurrent loans | 951.8868% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,437 |
| Noncurrent loans to loans | 0.1280% | 3,293 |
| Net loans and leases to total assets | 57.0359% | 2,476 |
| Net loans and leases to deposits | 66.3037% | 2,484 |
| Net loans and leases to core deposits | 68.3629% | 2,615 |
| Total domestic deposits to total assets | 86.0223% | 2,897 |
| Equity capital to assets | 12.9754% | 907 |
| Core capital (leverage) ratio | 12.9783% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,279,800 | 3,579 |
| Average earning assets | $131,145,600 | 3,558 |
| Average equity | $18,309,800 | 3,364 |
| Average total loans | $81,108,000 | 3,459 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 2,970 |
| Cost of funding earning assets | 0.2371% | 3,240 |
| Net interest margin | 3.2094% | 2,702 |
| Noninterest income to average assets | 0.7971% | 1,534 |
| Noninterest expense to average assets | 2.2154% | 3,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2335% | 2,046 |
| Return on assets (ROA) | 1.2396% | 2,085 |
| Pretax return on assets | 1.5913% | 1,732 |
| Return on Equity (ROE) | 9.4826% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.4736% | 1,884 |
| Net charge-offs to loans | -0.0512% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3145% | 3,218 |
| Assets per employee ($millions) | 6.9990% | 1,868 |
| Cash dividends to net income (ytd only)* | 10.6399% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,567 |
| Loan loss allowance to noncurrent loans | 917.3913% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,551 |
| Noncurrent loans to loans | 0.1401% | 3,410 |
| Net loans and leases to total assets | 57.8683% | 2,510 |
| Net loans and leases to deposits | 67.4129% | 2,494 |
| Net loans and leases to core deposits | 68.9683% | 2,690 |
| Total domestic deposits to total assets | 85.8415% | 2,804 |
| Equity capital to assets | 13.3569% | 886 |
| Core capital (leverage) ratio | 13.3550% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,507,000 | 3,630 |
| Average earning assets | $130,489,250 | 3,609 |
| Average equity | $18,236,500 | 3,406 |
| Average total loans | $80,689,500 | 3,515 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 3,256 |
| Cost of funding earning assets | 0.2425% | 3,348 |
| Net interest margin | 3.1297% | 2,955 |
| Noninterest income to average assets | 0.6975% | 1,815 |
| Noninterest expense to average assets | 2.2103% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1196% | 2,467 |
| Return on assets (ROA) | 1.1252% | 2,518 |
| Pretax return on assets | 1.4395% | 2,213 |
| Return on Equity (ROE) | 8.6711% | 3,203 |
| Retained earnings to average equity (ytd only) | 7.1448% | 2,373 |
| Net charge-offs to loans | -0.0050% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6777% | 2,918 |
| Assets per employee ($millions) | 6.6240% | 2,079 |
| Cash dividends to net income (ytd only)* | 17.6020% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,645 |
| Loan loss allowance to noncurrent loans | 765.6716% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 3,570 |
| Noncurrent loans to loans | 0.1644% | 3,390 |
| Net loans and leases to total assets | 57.8456% | 2,687 |
| Net loans and leases to deposits | 67.3590% | 2,688 |
| Net loans and leases to core deposits | 68.7265% | 2,892 |
| Total domestic deposits to total assets | 85.8767% | 2,784 |
| Equity capital to assets | 13.1780% | 898 |
| Core capital (leverage) ratio | 13.0625% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,349,333 | 3,644 |
| Average earning assets | $131,132,000 | 3,615 |
| Average equity | $18,083,000 | 3,420 |
| Average total loans | $80,233,000 | 3,546 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2477% | 3,586 |
| Cost of funding earning assets | 0.2564% | 3,417 |
| Net interest margin | 2.9913% | 3,282 |
| Noninterest income to average assets | 0.6740% | 1,945 |
| Noninterest expense to average assets | 2.1710% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0297% | 2,714 |
| Return on assets (ROA) | 1.0411% | 2,748 |
| Pretax return on assets | 1.3279% | 2,493 |
| Return on Equity (ROE) | 8.0851% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.5060% | 2,409 |
| Net charge-offs to loans | -0.0050% | 3,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3045% | 2,702 |
| Assets per employee ($millions) | 7.1225% | 1,714 |
| Cash dividends to net income (ytd only)* | 7.1625% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,788 |
| Loan loss allowance to noncurrent loans | 674.3421% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 3,643 |
| Noncurrent loans to loans | 0.1818% | 3,454 |
| Net loans and leases to total assets | 57.9772% | 2,807 |
| Net loans and leases to deposits | 67.0520% | 2,804 |
| Net loans and leases to core deposits | 68.0313% | 3,053 |
| Total domestic deposits to total assets | 86.4660% | 2,540 |
| Equity capital to assets | 12.6228% | 1,027 |
| Core capital (leverage) ratio | 12.8215% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,472,500 | 3,645 |
| Average earning assets | $131,045,500 | 3,622 |
| Average equity | $17,959,000 | 3,423 |
| Average total loans | $79,604,000 | 3,573 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 2,735 |
| Cost of funding earning assets | 0.4717% | 3,141 |
| Net interest margin | 3.5256% | 2,391 |
| Noninterest income to average assets | 0.7893% | 1,563 |
| Noninterest expense to average assets | 2.7814% | 1,991 |
| Loan and lease loss provision to assets | -0.0408% | 4,929 |
| Net operating income to assets | 1.0450% | 2,121 |
| Return on assets (ROA) | 1.0437% | 2,269 |
| Pretax return on assets | 1.3259% | 1,899 |
| Return on Equity (ROE) | 7.3346% | 3,058 |
| Retained earnings to average equity (ytd only) | 5.6327% | 1,978 |
| Net charge-offs to loans | 0.0375% | 2,306 |
| Credit loss provision to net charge-offs | -172.4138% | 3,782 |
| Earnings coverage of net charge-offs (x) | 54.4138% | 1,128 |
| Efficiency ratio | 68.3704% | 2,185 |
| Assets per employee ($millions) | 6.4998% | 1,921 |
| Cash dividends to net income (ytd only)* | 23.2031% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 2,174 |
| Loan loss allowance to noncurrent loans | 721.1268% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 3,782 |
| Noncurrent loans to loans | 0.1878% | 3,541 |
| Net loans and leases to total assets | 54.6324% | 3,429 |
| Net loans and leases to deposits | 63.6581% | 3,463 |
| Net loans and leases to core deposits | 66.0721% | 3,536 |
| Total domestic deposits to total assets | 85.8216% | 2,445 |
| Equity capital to assets | 13.1410% | 1,048 |
| Core capital (leverage) ratio | 13.5505% | 771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,636,000 | 3,714 |
| Average earning assets | $114,050,200 | 3,708 |
| Average equity | $17,451,600 | 3,423 |
| Average total loans | $77,413,000 | 3,603 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,208 |
| Cost of funding earning assets | 0.5153% | 3,135 |
| Net interest margin | 3.7491% | 1,768 |
| Noninterest income to average assets | 0.8055% | 1,477 |
| Noninterest expense to average assets | 2.4737% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4054% | 1,088 |
| Return on assets (ROA) | 1.4019% | 1,194 |
| Pretax return on assets | 1.8035% | 772 |
| Return on Equity (ROE) | 9.6399% | 2,158 |
| Retained earnings to average equity (ytd only) | 7.7550% | 1,389 |
| Net charge-offs to loans | 0.0497% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 55.7241% | 1,133 |
| Efficiency ratio | 57.7737% | 3,695 |
| Assets per employee ($millions) | 6.0180% | 2,247 |
| Cash dividends to net income (ytd only)* | 19.5531% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 2,035 |
| Loan loss allowance to noncurrent loans | 662.9630% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 3,675 |
| Noncurrent loans to loans | 0.2006% | 3,584 |
| Net loans and leases to total assets | 63.0382% | 2,883 |
| Net loans and leases to deposits | 75.2179% | 2,825 |
| Net loans and leases to core deposits | 79.9139% | 2,852 |
| Total domestic deposits to total assets | 83.8074% | 2,888 |
| Equity capital to assets | 14.2191% | 803 |
| Core capital (leverage) ratio | 14.8915% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,171,000 | 3,746 |
| Average earning assets | $110,493,750 | 3,746 |
| Average equity | $17,330,250 | 3,436 |
| Average total loans | $77,867,500 | 3,610 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 1,883 |
| Cost of funding earning assets | 0.5648% | 3,157 |
| Net interest margin | 3.9459% | 1,454 |
| Noninterest income to average assets | 0.8016% | 1,434 |
| Noninterest expense to average assets | 2.5092% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5174% | 895 |
| Return on assets (ROA) | 1.5107% | 981 |
| Pretax return on assets | 1.9457% | 614 |
| Return on Equity (ROE) | 10.3055% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.4429% | 1,485 |
| Net charge-offs to loans | 0.0780% | 1,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 38.0333% | 1,287 |
| Efficiency ratio | 56.2164% | 3,914 |
| Assets per employee ($millions) | 5.6509% | 2,492 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,033 |
| Loan loss allowance to noncurrent loans | 613.1429% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 3,453 |
| Noncurrent loans to loans | 0.2110% | 3,628 |
| Net loans and leases to total assets | 68.9868% | 2,188 |
| Net loans and leases to deposits | 84.1818% | 1,981 |
| Net loans and leases to core deposits | 92.5615% | 1,856 |
| Total domestic deposits to total assets | 81.9498% | 3,386 |
| Equity capital to assets | 14.8337% | 654 |
| Core capital (leverage) ratio | 14.4903% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,768,333 | 3,764 |
| Average earning assets | $108,364,333 | 3,765 |
| Average equity | $17,117,000 | 3,462 |
| Average total loans | $76,909,667 | 3,629 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 3,455 |
| Cost of funding earning assets | 0.5907% | 3,483 |
| Net interest margin | 3.5329% | 2,874 |
| Noninterest income to average assets | 0.8082% | 1,289 |
| Noninterest expense to average assets | 2.5143% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2217% | 1,447 |
| Return on assets (ROA) | 1.2053% | 1,611 |
| Pretax return on assets | 1.5369% | 1,217 |
| Return on Equity (ROE) | 8.2731% | 2,397 |
| Retained earnings to average equity (ytd only) | 5.2151% | 2,187 |
| Net charge-offs to loans | 0.1570% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.5517% | 1,558 |
| Efficiency ratio | 61.7472% | 3,524 |
| Assets per employee ($millions) | 5.8164% | 1,823 |
| Cash dividends to net income (ytd only)* | 36.9628% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,552 |
| Loan loss allowance to noncurrent loans | 440.1639% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 3,423 |
| Noncurrent loans to loans | 0.3268% | 3,323 |
| Net loans and leases to total assets | 63.2565% | 3,161 |
| Net loans and leases to deposits | 76.9372% | 2,990 |
| Net loans and leases to core deposits | 85.5043% | 2,718 |
| Total domestic deposits to total assets | 82.2184% | 3,354 |
| Equity capital to assets | 14.6319% | 855 |
| Core capital (leverage) ratio | 14.8386% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,818,000 | 3,766 |
| Average earning assets | $106,993,500 | 3,771 |
| Average equity | $16,874,000 | 3,485 |
| Average total loans | $73,895,000 | 3,684 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 3,560 |
| Cost of funding earning assets | 0.6192% | 3,564 |
| Net interest margin | 3.6712% | 2,900 |
| Noninterest income to average assets | 0.8056% | 1,436 |
| Noninterest expense to average assets | 2.8699% | 2,377 |
| Loan and lease loss provision to assets | -0.0451% | 5,009 |
| Net operating income to assets | 1.1180% | 2,374 |
| Return on assets (ROA) | 1.1092% | 2,496 |
| Pretax return on assets | 1.3678% | 2,274 |
| Return on Equity (ROE) | 7.6906% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.2220% | 1,297 |
| Net charge-offs to loans | -0.0217% | 4,644 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2744% | 2,418 |
| Assets per employee ($millions) | 5.7654% | 1,822 |
| Cash dividends to net income (ytd only)* | 6.0926% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,203 |
| Loan loss allowance to noncurrent loans | 192.4956% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 2,275 |
| Noncurrent loans to loans | 0.7835% | 1,941 |
| Net loans and leases to total assets | 62.4657% | 3,359 |
| Net loans and leases to deposits | 75.9340% | 3,187 |
| Net loans and leases to core deposits | 83.2646% | 3,018 |
| Total domestic deposits to total assets | 82.2632% | 3,427 |
| Equity capital to assets | 14.5064% | 934 |
| Core capital (leverage) ratio | 14.6502% | 761 |
| Tier 1 risk-based capital ratio | 20.3245% | 1,275 |
| Total risk-based capital ratio | 21.5758% | 1,250 |
| Memoranda: | ||
| Average total assets | $110,979,000 | 3,817 |
| Average earning assets | $102,719,000 | 3,821 |
| Average equity | $16,006,600 | 3,542 |
| Average total loans | $69,067,800 | 3,795 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 3,649 |
| Cost of funding earning assets | 0.6134% | 3,627 |
| Net interest margin | 3.6884% | 2,959 |
| Noninterest income to average assets | 0.8032% | 1,409 |
| Noninterest expense to average assets | 2.6570% | 2,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2566% | 1,997 |
| Return on assets (ROA) | 1.2448% | 2,112 |
| Pretax return on assets | 1.5457% | 1,825 |
| Return on Equity (ROE) | 8.6435% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.0285% | 1,379 |
| Net charge-offs to loans | -0.0255% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0035% | 3,162 |
| Assets per employee ($millions) | 5.3020% | 2,226 |
| Cash dividends to net income (ytd only)* | 7.1149% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,010 |
| Loan loss allowance to noncurrent loans | 199.8264% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,296 |
| Noncurrent loans to loans | 0.7970% | 1,980 |
| Net loans and leases to total assets | 63.8783% | 3,297 |
| Net loans and leases to deposits | 77.9945% | 3,092 |
| Net loans and leases to core deposits | 86.6436% | 2,854 |
| Total domestic deposits to total assets | 81.9010% | 3,498 |
| Equity capital to assets | 14.8307% | 896 |
| Core capital (leverage) ratio | 14.7840% | 792 |
| Tier 1 risk-based capital ratio | 20.3129% | 1,318 |
| Total risk-based capital ratio | 21.5641% | 1,280 |
| Memoranda: | ||
| Average total assets | $109,896,750 | 3,874 |
| Average earning assets | $101,723,000 | 3,883 |
| Average equity | $15,826,500 | 3,595 |
| Average total loans | $68,052,000 | 3,857 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2534% | 3,782 |
| Cost of funding earning assets | 0.5812% | 3,748 |
| Net interest margin | 3.6723% | 3,021 |
| Noninterest income to average assets | 0.7933% | 1,371 |
| Noninterest expense to average assets | 2.6834% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2268% | 2,047 |
| Return on assets (ROA) | 1.2046% | 2,193 |
| Pretax return on assets | 1.4897% | 1,889 |
| Return on Equity (ROE) | 8.4500% | 3,092 |
| Retained earnings to average equity (ytd only) | 7.5396% | 1,581 |
| Net charge-offs to loans | -0.0270% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8816% | 3,152 |
| Assets per employee ($millions) | 5.0225% | 2,452 |
| Cash dividends to net income (ytd only)* | 10.7739% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 921 |
| Loan loss allowance to noncurrent loans | 281.1275% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 2,819 |
| Noncurrent loans to loans | 0.5872% | 2,506 |
| Net loans and leases to total assets | 61.8486% | 3,556 |
| Net loans and leases to deposits | 75.2500% | 3,398 |
| Net loans and leases to core deposits | 82.2975% | 3,249 |
| Total domestic deposits to total assets | 82.1909% | 3,459 |
| Equity capital to assets | 14.5546% | 932 |
| Core capital (leverage) ratio | 14.3469% | 869 |
| Tier 1 risk-based capital ratio | 20.5537% | 1,243 |
| Total risk-based capital ratio | 21.8062% | 1,210 |
| Memoranda: | ||
| Average total assets | $109,414,670 | 3,907 |
| Average earning assets | $101,517,670 | 3,908 |
| Average equity | $15,597,670 | 3,622 |
| Average total loans | $66,644,330 | 3,913 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 4,145 |
| Cost of funding earning assets | 0.5354% | 3,897 |
| Net interest margin | 3.5572% | 3,409 |
| Noninterest income to average assets | 0.8964% | 1,048 |
| Noninterest expense to average assets | 2.6599% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2358% | 1,931 |
| Return on assets (ROA) | 1.2418% | 1,963 |
| Pretax return on assets | 1.5394% | 1,645 |
| Return on Equity (ROE) | 8.8047% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.0073% | 2,039 |
| Net charge-offs to loans | -0.0307% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4531% | 3,326 |
| Assets per employee ($millions) | 5.0059% | 2,508 |
| Cash dividends to net income (ytd only)* | 20.4142% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7094% | 844 |
| Loan loss allowance to noncurrent loans | 246.8683% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,627 |
| Noncurrent loans to loans | 0.6925% | 2,288 |
| Net loans and leases to total assets | 59.6764% | 3,741 |
| Net loans and leases to deposits | 72.4462% | 3,573 |
| Net loans and leases to core deposits | 80.5079% | 3,317 |
| Total domestic deposits to total assets | 82.3734% | 3,623 |
| Equity capital to assets | 14.1643% | 983 |
| Core capital (leverage) ratio | 14.5169% | 811 |
| Tier 1 risk-based capital ratio | 20.9619% | 1,169 |
| Total risk-based capital ratio | 22.2143% | 1,150 |
| Memoranda: | ||
| Average total assets | $108,875,000 | 3,954 |
| Average earning assets | $100,866,000 | 3,958 |
| Average equity | $15,355,500 | 3,662 |
| Average total loans | $65,223,500 | 3,981 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1009% | 3,738 |
| Cost of funding earning assets | 0.4120% | 3,913 |
| Net interest margin | 3.6890% | 3,079 |
| Noninterest income to average assets | 0.7932% | 1,471 |
| Noninterest expense to average assets | 2.8803% | 2,421 |
| Loan and lease loss provision to assets | -0.0481% | 5,192 |
| Net operating income to assets | 1.1258% | 2,493 |
| Return on assets (ROA) | 1.1148% | 2,537 |
| Pretax return on assets | 1.3612% | 2,268 |
| Return on Equity (ROE) | 7.9908% | 3,446 |
| Retained earnings to average equity (ytd only) | 7.0248% | 1,659 |
| Net charge-offs to loans | -0.0362% | 4,874 |
| Credit loss provision to net charge-offs | 227.2727% | 1,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4668% | 2,474 |
| Assets per employee ($millions) | 4.8919% | 2,628 |
| Cash dividends to net income (ytd only)* | 12.0898% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 693 |
| Loan loss allowance to noncurrent loans | 254.5861% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 2,601 |
| Noncurrent loans to loans | 0.7030% | 2,232 |
| Net loans and leases to total assets | 58.0231% | 3,959 |
| Net loans and leases to deposits | 68.0681% | 3,973 |
| Net loans and leases to core deposits | 75.7139% | 3,743 |
| Total domestic deposits to total assets | 85.2427% | 2,533 |
| Equity capital to assets | 14.0419% | 960 |
| Core capital (leverage) ratio | 14.2016% | 871 |
| Tier 1 risk-based capital ratio | 21.6301% | 1,075 |
| Total risk-based capital ratio | 22.8908% | 1,055 |
| Memoranda: | ||
| Average total assets | $103,878,600 | 4,040 |
| Average earning assets | $96,124,400 | 4,032 |
| Average equity | $14,491,600 | 3,700 |
| Average total loans | $60,817,200 | 4,073 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,819 |
| Cost of funding earning assets | 0.3862% | 3,965 |
| Net interest margin | 3.6520% | 3,196 |
| Noninterest income to average assets | 0.8069% | 1,450 |
| Noninterest expense to average assets | 2.8144% | 2,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1206% | 2,574 |
| Return on assets (ROA) | 1.1100% | 2,631 |
| Pretax return on assets | 1.3599% | 2,380 |
| Return on Equity (ROE) | 7.9701% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.6682% | 2,296 |
| Net charge-offs to loans | -0.0333% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2131% | 2,679 |
| Assets per employee ($millions) | 4.7830% | 2,745 |
| Cash dividends to net income (ytd only)* | 16.3359% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9090% | 581 |
| Loan loss allowance to noncurrent loans | 225.3817% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 2,345 |
| Noncurrent loans to loans | 0.8470% | 2,012 |
| Net loans and leases to total assets | 57.6698% | 4,074 |
| Net loans and leases to deposits | 67.5148% | 4,090 |
| Net loans and leases to core deposits | 75.1827% | 3,861 |
| Total domestic deposits to total assets | 85.4179% | 2,450 |
| Equity capital to assets | 13.8532% | 1,004 |
| Core capital (leverage) ratio | 14.2174% | 882 |
| Tier 1 risk-based capital ratio | 22.0618% | 1,048 |
| Total risk-based capital ratio | 23.3264% | 1,023 |
| Memoranda: | ||
| Average total assets | $102,943,000 | 4,094 |
| Average earning assets | $95,286,500 | 4,091 |
| Average equity | $14,336,500 | 3,742 |
| Average total loans | $60,125,750 | 4,134 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 4,073 |
| Cost of funding earning assets | 0.3556% | 4,037 |
| Net interest margin | 3.5492% | 3,472 |
| Noninterest income to average assets | 0.8162% | 1,425 |
| Noninterest expense to average assets | 2.7930% | 2,678 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0769% | 2,679 |
| Return on assets (ROA) | 1.0608% | 2,749 |
| Pretax return on assets | 1.2859% | 2,570 |
| Return on Equity (ROE) | 7.6036% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.7378% | 2,704 |
| Net charge-offs to loans | -0.0269% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1471% | 2,617 |
| Assets per employee ($millions) | 4.6912% | 2,826 |
| Cash dividends to net income (ytd only)* | 24.5387% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9427% | 573 |
| Loan loss allowance to noncurrent loans | 281.5348% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 2,676 |
| Noncurrent loans to loans | 0.6900% | 2,382 |
| Net loans and leases to total assets | 57.4166% | 4,045 |
| Net loans and leases to deposits | 67.2119% | 4,085 |
| Net loans and leases to core deposits | 76.4994% | 3,703 |
| Total domestic deposits to total assets | 85.4264% | 2,522 |
| Equity capital to assets | 13.9613% | 942 |
| Core capital (leverage) ratio | 14.2043% | 849 |
| Tier 1 risk-based capital ratio | 21.8542% | 1,053 |
| Total risk-based capital ratio | 23.1213% | 1,034 |
| Memoranda: | ||
| Average total assets | $102,182,330 | 4,141 |
| Average earning assets | $94,501,000 | 4,137 |
| Average equity | $14,256,330 | 3,769 |
| Average total loans | $59,546,330 | 4,170 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,203 |
| Cost of funding earning assets | 0.3068% | 4,303 |
| Net interest margin | 3.4987% | 3,543 |
| Noninterest income to average assets | 0.8105% | 1,417 |
| Noninterest expense to average assets | 2.8052% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0241% | 2,758 |
| Return on assets (ROA) | 0.9914% | 2,910 |
| Pretax return on assets | 1.1960% | 2,766 |
| Return on Equity (ROE) | 7.1086% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.0776% | 3,134 |
| Net charge-offs to loans | -0.0135% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4255% | 2,593 |
| Assets per employee ($millions) | 4.9344% | 2,563 |
| Cash dividends to net income (ytd only)* | 28.5714% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 608 |
| Loan loss allowance to noncurrent loans | 264.2534% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 2,716 |
| Noncurrent loans to loans | 0.7359% | 2,367 |
| Net loans and leases to total assets | 56.8368% | 4,043 |
| Net loans and leases to deposits | 66.3109% | 4,066 |
| Net loans and leases to core deposits | 74.5840% | 3,776 |
| Total domestic deposits to total assets | 85.7126% | 2,671 |
| Equity capital to assets | 13.6900% | 980 |
| Core capital (leverage) ratio | 14.3009% | 810 |
| Tier 1 risk-based capital ratio | 21.3276% | 1,151 |
| Total risk-based capital ratio | 22.5822% | 1,125 |
| Memoranda: | ||
| Average total assets | $101,670,000 | 4,202 |
| Average earning assets | $93,863,500 | 4,193 |
| Average equity | $14,180,000 | 3,804 |
| Average total loans | $59,103,500 | 4,220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 3,940 |
| Cost of funding earning assets | 0.2325% | 4,712 |
| Net interest margin | 3.5998% | 3,167 |
| Noninterest income to average assets | 0.8813% | 1,325 |
| Noninterest expense to average assets | 3.2740% | 1,424 |
| Loan and lease loss provision to assets | -0.0506% | 5,400 |
| Net operating income to assets | 0.6291% | 3,892 |
| Return on assets (ROA) | 0.6291% | 3,930 |
| Pretax return on assets | 0.9674% | 3,682 |
| Return on Equity (ROE) | 4.3854% | 4,385 |
| Retained earnings to average equity (ytd only) | 1.9703% | 4,139 |
| Net charge-offs to loans | -0.0702% | 5,276 |
| Credit loss provision to net charge-offs | 121.9512% | 2,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1242% | 1,333 |
| Assets per employee ($millions) | 4.5326% | 3,139 |
| Cash dividends to net income (ytd only)* | 55.0725% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 536 |
| Loan loss allowance to noncurrent loans | 246.5116% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 2,571 |
| Noncurrent loans to loans | 0.8135% | 2,176 |
| Net loans and leases to total assets | 57.1387% | 4,097 |
| Net loans and leases to deposits | 67.0420% | 4,102 |
| Net loans and leases to core deposits | 72.0608% | 4,042 |
| Total domestic deposits to total assets | 85.2282% | 2,743 |
| Equity capital to assets | 14.2142% | 853 |
| Core capital (leverage) ratio | 14.2767% | 778 |
| Tier 1 risk-based capital ratio | 21.8063% | 1,044 |
| Total risk-based capital ratio | 23.0626% | 1,016 |
| Memoranda: | ||
| Average total assets | $98,717,800 | 4,261 |
| Average earning assets | $90,755,400 | 4,272 |
| Average equity | $14,160,600 | 3,823 |
| Average total loans | $58,406,600 | 4,240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 3,895 |
| Cost of funding earning assets | 0.2238% | 4,780 |
| Net interest margin | 3.6084% | 3,117 |
| Noninterest income to average assets | 0.8950% | 1,286 |
| Noninterest expense to average assets | 3.1888% | 1,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7393% | 3,776 |
| Return on assets (ROA) | 0.7393% | 3,851 |
| Pretax return on assets | 1.0250% | 3,587 |
| Return on Equity (ROE) | 5.1421% | 4,474 |
| Retained earnings to average equity (ytd only) | 2.1096% | 4,600 |
| Net charge-offs to loans | -0.0912% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6748% | 1,642 |
| Assets per employee ($millions) | 4.4411% | 3,254 |
| Cash dividends to net income (ytd only)* | 58.9741% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 520 |
| Loan loss allowance to noncurrent loans | 243.9759% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 2,562 |
| Noncurrent loans to loans | 0.8405% | 2,258 |
| Net loans and leases to total assets | 59.3978% | 3,932 |
| Net loans and leases to deposits | 69.9938% | 3,963 |
| Net loans and leases to core deposits | 75.6676% | 3,825 |
| Total domestic deposits to total assets | 84.8614% | 2,771 |
| Equity capital to assets | 14.5992% | 828 |
| Core capital (leverage) ratio | 14.3457% | 805 |
| Tier 1 risk-based capital ratio | 21.7567% | 1,075 |
| Total risk-based capital ratio | 23.0134% | 1,056 |
| Memoranda: | ||
| Average total assets | $98,468,000 | 4,308 |
| Average earning assets | $90,564,250 | 4,316 |
| Average equity | $14,157,250 | 3,862 |
| Average total loans | $58,472,500 | 4,277 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,188 |
| Cost of funding earning assets | 0.2050% | 4,927 |
| Net interest margin | 3.5067% | 3,374 |
| Noninterest income to average assets | 0.9056% | 1,258 |
| Noninterest expense to average assets | 3.1887% | 1,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6827% | 3,920 |
| Return on assets (ROA) | 0.6827% | 3,986 |
| Pretax return on assets | 0.9400% | 3,796 |
| Return on Equity (ROE) | 4.7728% | 4,579 |
| Retained earnings to average equity (ytd only) | 1.8836% | 4,494 |
| Net charge-offs to loans | -0.1374% | 5,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2326% | 1,555 |
| Assets per employee ($millions) | 4.3137% | 3,410 |
| Cash dividends to net income (ytd only)* | 60.5341% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 546 |
| Loan loss allowance to noncurrent loans | 193.0048% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 2,285 |
| Noncurrent loans to loans | 1.0646% | 1,840 |
| Net loans and leases to total assets | 58.3243% | 3,991 |
| Net loans and leases to deposits | 68.4533% | 4,028 |
| Net loans and leases to core deposits | 75.4331% | 3,824 |
| Total domestic deposits to total assets | 85.2030% | 2,732 |
| Equity capital to assets | 14.3142% | 877 |
| Core capital (leverage) ratio | 14.2324% | 797 |
| Tier 1 risk-based capital ratio | 21.4224% | 1,124 |
| Total risk-based capital ratio | 22.6784% | 1,104 |
| Memoranda: | ||
| Average total assets | $98,722,670 | 4,329 |
| Average earning assets | $90,741,670 | 4,338 |
| Average equity | $14,121,670 | 3,878 |
| Average total loans | $58,213,670 | 4,307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 4,274 |
| Cost of funding earning assets | 0.1773% | 5,175 |
| Net interest margin | 3.4751% | 3,371 |
| Noninterest income to average assets | 1.0398% | 929 |
| Noninterest expense to average assets | 3.1967% | 1,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7352% | 3,533 |
| Return on assets (ROA) | 0.7352% | 3,585 |
| Pretax return on assets | 1.0277% | 3,249 |
| Return on Equity (ROE) | 5.1415% | 4,324 |
| Retained earnings to average equity (ytd only) | 3.4655% | 3,705 |
| Net charge-offs to loans | -0.2561% | 5,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6731% | 1,956 |
| Assets per employee ($millions) | 4.2604% | 3,569 |
| Cash dividends to net income (ytd only)* | 32.5967% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 566 |
| Loan loss allowance to noncurrent loans | 182.9305% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 1,966 |
| Noncurrent loans to loans | 1.1432% | 1,783 |
| Net loans and leases to total assets | 57.8620% | 3,988 |
| Net loans and leases to deposits | 68.1405% | 3,979 |
| Net loans and leases to core deposits | 74.8116% | 3,755 |
| Total domestic deposits to total assets | 84.9158% | 3,121 |
| Equity capital to assets | 14.4617% | 768 |
| Core capital (leverage) ratio | 14.5502% | 696 |
| Tier 1 risk-based capital ratio | 21.7107% | 1,118 |
| Total risk-based capital ratio | 22.9679% | 1,093 |
| Memoranda: | ||
| Average total assets | $98,476,000 | 4,381 |
| Average earning assets | $90,242,000 | 4,391 |
| Average equity | $14,081,500 | 3,908 |
| Average total loans | $57,780,000 | 4,356 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6451% | 4,390 |
| Cost of funding earning assets | 0.1458% | 5,448 |
| Net interest margin | 3.4993% | 3,433 |
| Noninterest income to average assets | 0.8015% | 1,741 |
| Noninterest expense to average assets | 3.1664% | 1,868 |
| Loan and lease loss provision to assets | -0.1013% | 5,692 |
| Net operating income to assets | 0.6887% | 3,833 |
| Return on assets (ROA) | 0.7103% | 3,855 |
| Pretax return on assets | 1.0011% | 3,472 |
| Return on Equity (ROE) | 5.0762% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.5548% | 2,664 |
| Net charge-offs to loans | -0.0908% | 5,563 |
| Credit loss provision to net charge-offs | 192.3077% | 1,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4584% | 1,634 |
| Assets per employee ($millions) | 4.4983% | 3,120 |
| Cash dividends to net income (ytd only)* | 10.2710% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 610 |
| Loan loss allowance to noncurrent loans | 161.4011% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 1,655 |
| Noncurrent loans to loans | 1.2628% | 1,626 |
| Net loans and leases to total assets | 57.0674% | 4,155 |
| Net loans and leases to deposits | 66.8723% | 4,180 |
| Net loans and leases to core deposits | 70.2976% | 4,216 |
| Total domestic deposits to total assets | 85.3378% | 2,906 |
| Equity capital to assets | 14.1388% | 846 |
| Core capital (leverage) ratio | 14.1846% | 767 |
| Tier 1 risk-based capital ratio | 21.4785% | 1,141 |
| Total risk-based capital ratio | 22.7348% | 1,125 |
| Memoranda: | ||
| Average total assets | $98,691,400 | 4,371 |
| Average earning assets | $91,218,600 | 4,365 |
| Average equity | $13,809,600 | 3,964 |
| Average total loans | $57,286,600 | 4,366 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6716% | 4,341 |
| Cost of funding earning assets | 0.1416% | 5,534 |
| Net interest margin | 3.5300% | 3,359 |
| Noninterest income to average assets | 0.8355% | 1,622 |
| Noninterest expense to average assets | 3.0769% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7233% | 3,732 |
| Return on assets (ROA) | 0.7517% | 3,728 |
| Pretax return on assets | 1.0680% | 3,361 |
| Return on Equity (ROE) | 5.3859% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.6981% | 3,020 |
| Net charge-offs to loans | -0.1539% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9671% | 2,115 |
| Assets per employee ($millions) | 4.4184% | 3,218 |
| Cash dividends to net income (ytd only)* | 12.7693% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2411% | 480 |
| Loan loss allowance to noncurrent loans | 136.6914% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 1,524 |
| Noncurrent loans to loans | 1.6395% | 1,305 |
| Net loans and leases to total assets | 57.8443% | 4,112 |
| Net loans and leases to deposits | 68.7069% | 4,091 |
| Net loans and leases to core deposits | 73.8100% | 4,017 |
| Total domestic deposits to total assets | 84.1900% | 3,148 |
| Equity capital to assets | 14.4552% | 889 |
| Core capital (leverage) ratio | 14.1687% | 804 |
| Tier 1 risk-based capital ratio | 21.7669% | 1,161 |
| Total risk-based capital ratio | 23.0264% | 1,145 |
| Memoranda: | ||
| Average total assets | $98,623,750 | 4,402 |
| Average earning assets | $91,329,250 | 4,394 |
| Average equity | $13,764,000 | 4,007 |
| Average total loans | $57,195,750 | 4,397 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,681 |
| Cost of funding earning assets | 0.1347% | 5,649 |
| Net interest margin | 3.4344% | 3,744 |
| Noninterest income to average assets | 0.8113% | 1,667 |
| Noninterest expense to average assets | 3.0798% | 2,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6553% | 4,019 |
| Return on assets (ROA) | 0.6983% | 3,956 |
| Pretax return on assets | 0.9829% | 3,649 |
| Return on Equity (ROE) | 5.0628% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.0239% | 3,345 |
| Net charge-offs to loans | -0.0490% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9541% | 1,937 |
| Assets per employee ($millions) | 4.4395% | 3,132 |
| Cash dividends to net income (ytd only)* | 20.5202% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1360% | 588 |
| Loan loss allowance to noncurrent loans | 116.4783% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 1,391 |
| Noncurrent loans to loans | 1.8338% | 1,117 |
| Net loans and leases to total assets | 58.0266% | 4,112 |
| Net loans and leases to deposits | 68.1776% | 4,167 |
| Net loans and leases to core deposits | 71.9040% | 4,186 |
| Total domestic deposits to total assets | 85.1109% | 2,826 |
| Equity capital to assets | 14.2348% | 950 |
| Core capital (leverage) ratio | 13.7204% | 897 |
| Tier 1 risk-based capital ratio | 21.0954% | 1,254 |
| Total risk-based capital ratio | 22.3539% | 1,236 |
| Memoranda: | ||
| Average total assets | $99,097,000 | 4,436 |
| Average earning assets | $92,068,670 | 4,421 |
| Average equity | $13,668,330 | 4,044 |
| Average total loans | $57,089,000 | 4,432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5245% | 4,831 |
| Cost of funding earning assets | 0.1332% | 5,733 |
| Net interest margin | 3.3913% | 3,903 |
| Noninterest income to average assets | 0.7695% | 1,734 |
| Noninterest expense to average assets | 3.1099% | 2,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5931% | 4,211 |
| Return on assets (ROA) | 0.5931% | 4,322 |
| Pretax return on assets | 0.8216% | 4,129 |
| Return on Equity (ROE) | 4.3687% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.7157% | 4,153 |
| Net charge-offs to loans | -0.0565% | 5,384 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1030% | 1,732 |
| Assets per employee ($millions) | 4.5285% | 3,021 |
| Cash dividends to net income (ytd only)* | 37.8378% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 614 |
| Loan loss allowance to noncurrent loans | 113.0395% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4895% | 1,375 |
| Noncurrent loans to loans | 1.9200% | 1,129 |
| Net loans and leases to total assets | 55.6952% | 4,290 |
| Net loans and leases to deposits | 64.8747% | 4,351 |
| Net loans and leases to core deposits | 69.6884% | 4,263 |
| Total domestic deposits to total assets | 85.8504% | 2,736 |
| Equity capital to assets | 13.7180% | 1,081 |
| Core capital (leverage) ratio | 13.5430% | 970 |
| Tier 1 risk-based capital ratio | 20.9200% | 1,331 |
| Total risk-based capital ratio | 22.1788% | 1,301 |
| Memoranda: | ||
| Average total assets | $99,811,000 | 4,468 |
| Average earning assets | $93,062,000 | 4,446 |
| Average equity | $13,551,000 | 4,071 |
| Average total loans | $56,678,000 | 4,482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6506% | 4,521 |
| Cost of funding earning assets | 0.1400% | 5,750 |
| Net interest margin | 3.5106% | 3,485 |
| Noninterest income to average assets | 0.8086% | 1,756 |
| Noninterest expense to average assets | 3.3450% | 1,620 |
| Loan and lease loss provision to assets | -0.2536% | 6,029 |
| Net operating income to assets | 0.6897% | 3,864 |
| Return on assets (ROA) | 0.6960% | 3,940 |
| Pretax return on assets | 1.0074% | 3,442 |
| Return on Equity (ROE) | 5.1650% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.3642% | 4,373 |
| Net charge-offs to loans | 0.0229% | 3,800 |
| Credit loss provision to net charge-offs | -1,923.0769% | 5,640 |
| Earnings coverage of net charge-offs (x) | 56.4615% | 913 |
| Efficiency ratio | 81.7911% | 1,435 |
| Assets per employee ($millions) | 4.3476% | 3,312 |
| Cash dividends to net income (ytd only)* | 54.2274% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 629 |
| Loan loss allowance to noncurrent loans | 108.4220% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.5691% | 1,264 |
| Noncurrent loans to loans | 1.9916% | 1,053 |
| Net loans and leases to total assets | 55.4173% | 4,347 |
| Net loans and leases to deposits | 64.2742% | 4,449 |
| Net loans and leases to core deposits | 67.6523% | 4,471 |
| Total domestic deposits to total assets | 86.2202% | 2,525 |
| Equity capital to assets | 13.4358% | 1,145 |
| Core capital (leverage) ratio | 13.3928% | 1,004 |
| Tier 1 risk-based capital ratio | 21.3996% | 1,230 |
| Total risk-based capital ratio | 22.6593% | 1,211 |
| Memoranda: | ||
| Average total assets | $98,565,800 | 4,489 |
| Average earning assets | $92,121,200 | 4,467 |
| Average equity | $13,281,600 | 4,079 |
| Average total loans | $56,703,200 | 4,476 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6741% | 4,509 |
| Cost of funding earning assets | 0.1398% | 5,851 |
| Net interest margin | 3.5343% | 3,411 |
| Noninterest income to average assets | 0.8431% | 1,641 |
| Noninterest expense to average assets | 3.1999% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6500% | 4,131 |
| Return on assets (ROA) | 0.6584% | 4,204 |
| Pretax return on assets | 0.9503% | 3,816 |
| Return on Equity (ROE) | 4.8829% | 4,676 |
| Retained earnings to average equity (ytd only) | 1.2988% | 5,198 |
| Net charge-offs to loans | -0.0094% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3294% | 2,047 |
| Assets per employee ($millions) | 4.2754% | 3,369 |
| Cash dividends to net income (ytd only)* | 73.4014% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5850% | 392 |
| Loan loss allowance to noncurrent loans | 121.6327% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 1,164 |
| Noncurrent loans to loans | 2.1253% | 1,057 |
| Net loans and leases to total assets | 57.1007% | 4,235 |
| Net loans and leases to deposits | 67.7093% | 4,219 |
| Net loans and leases to core deposits | 70.5181% | 4,324 |
| Total domestic deposits to total assets | 84.3321% | 3,291 |
| Equity capital to assets | 13.5832% | 1,191 |
| Core capital (leverage) ratio | 13.3864% | 1,062 |
| Tier 1 risk-based capital ratio | 21.1840% | 1,314 |
| Total risk-based capital ratio | 22.4485% | 1,295 |
| Memoranda: | ||
| Average total assets | $98,208,750 | 4,544 |
| Average earning assets | $91,557,250 | 4,525 |
| Average equity | $13,243,250 | 4,131 |
| Average total loans | $56,719,750 | 4,519 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 4,468 |
| Cost of funding earning assets | 0.1445% | 5,896 |
| Net interest margin | 3.5347% | 3,358 |
| Noninterest income to average assets | 0.8557% | 1,588 |
| Noninterest expense to average assets | 3.2312% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6336% | 4,204 |
| Return on assets (ROA) | 0.6336% | 4,313 |
| Pretax return on assets | 0.9127% | 3,907 |
| Return on Equity (ROE) | 4.7102% | 4,744 |
| Retained earnings to average equity (ytd only) | 0.3029% | 5,415 |
| Net charge-offs to loans | 0.0674% | 2,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 23.5789% | 1,603 |
| Efficiency ratio | 77.9744% | 2,079 |
| Assets per employee ($millions) | 3.9074% | 4,053 |
| Cash dividends to net income (ytd only)* | 93.5691% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5835% | 442 |
| Loan loss allowance to noncurrent loans | 105.3879% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9430% | 1,152 |
| Noncurrent loans to loans | 2.4514% | 918 |
| Net loans and leases to total assets | 56.6269% | 4,266 |
| Net loans and leases to deposits | 65.8069% | 4,352 |
| Net loans and leases to core deposits | 67.4117% | 4,539 |
| Total domestic deposits to total assets | 86.0501% | 2,670 |
| Equity capital to assets | 13.4453% | 1,194 |
| Core capital (leverage) ratio | 13.1441% | 1,117 |
| Tier 1 risk-based capital ratio | 20.0815% | 1,526 |
| Total risk-based capital ratio | 21.3449% | 1,495 |
| Memoranda: | ||
| Average total assets | $98,166,670 | 4,587 |
| Average earning assets | $91,324,000 | 4,574 |
| Average equity | $13,205,330 | 4,167 |
| Average total loans | $56,413,000 | 4,564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6948% | 4,379 |
| Cost of funding earning assets | 0.1534% | 5,905 |
| Net interest margin | 3.5414% | 3,257 |
| Noninterest income to average assets | 0.9308% | 1,299 |
| Noninterest expense to average assets | 3.2884% | 1,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6422% | 4,076 |
| Return on assets (ROA) | 0.6422% | 4,194 |
| Pretax return on assets | 0.9268% | 3,790 |
| Return on Equity (ROE) | 4.7731% | 4,632 |
| Retained earnings to average equity (ytd only) | 2.8699% | 4,246 |
| Net charge-offs to loans | -0.0427% | 5,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0135% | 2,186 |
| Assets per employee ($millions) | 3.7686% | 4,394 |
| Cash dividends to net income (ytd only)* | 39.8734% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6341% | 442 |
| Loan loss allowance to noncurrent loans | 115.2124% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.9412% | 1,238 |
| Noncurrent loans to loans | 2.2863% | 1,089 |
| Net loans and leases to total assets | 56.2843% | 4,167 |
| Net loans and leases to deposits | 65.3641% | 4,223 |
| Net loans and leases to core deposits | 66.0942% | 4,510 |
| Total domestic deposits to total assets | 86.1088% | 2,881 |
| Equity capital to assets | 13.6146% | 1,120 |
| Core capital (leverage) ratio | 13.2816% | 1,057 |
| Tier 1 risk-based capital ratio | 20.5788% | 1,517 |
| Total risk-based capital ratio | 21.8410% | 1,473 |
| Memoranda: | ||
| Average total assets | $98,407,500 | 4,614 |
| Average earning assets | $91,264,500 | 4,612 |
| Average equity | $13,241,000 | 4,193 |
| Average total loans | $56,228,000 | 4,604 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,601 |
| Cost of funding earning assets | 0.1989% | 5,758 |
| Net interest margin | 3.5653% | 3,538 |
| Noninterest income to average assets | 0.7681% | 2,000 |
| Noninterest expense to average assets | 3.1718% | 2,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6306% | 4,234 |
| Return on assets (ROA) | 0.6306% | 4,340 |
| Pretax return on assets | 0.9066% | 3,877 |
| Return on Equity (ROE) | 4.9522% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.1830% | 4,688 |
| Net charge-offs to loans | 0.2766% | 1,563 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.8050% | 3,354 |
| Efficiency ratio | 77.7697% | 2,239 |
| Assets per employee ($millions) | 3.9533% | 4,059 |
| Cash dividends to net income (ytd only)* | 55.9190% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6624% | 448 |
| Loan loss allowance to noncurrent loans | 114.3077% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.1673% | 1,132 |
| Noncurrent loans to loans | 2.3291% | 1,116 |
| Net loans and leases to total assets | 54.9711% | 4,455 |
| Net loans and leases to deposits | 64.2924% | 4,494 |
| Net loans and leases to core deposits | 65.0071% | 4,754 |
| Total domestic deposits to total assets | 85.5017% | 3,079 |
| Equity capital to assets | 13.2973% | 1,229 |
| Core capital (leverage) ratio | 13.1937% | 1,062 |
| Tier 1 risk-based capital ratio | 20.8912% | 1,428 |
| Total risk-based capital ratio | 22.1544% | 1,398 |
| Memoranda: | ||
| Average total assets | $101,804,400 | 4,553 |
| Average earning assets | $94,521,400 | 4,542 |
| Average equity | $12,964,000 | 4,206 |
| Average total loans | $57,477,600 | 4,569 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,669 |
| Cost of funding earning assets | 0.2123% | 5,737 |
| Net interest margin | 3.5508% | 3,624 |
| Noninterest income to average assets | 0.7658% | 2,028 |
| Noninterest expense to average assets | 3.1217% | 2,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6579% | 4,175 |
| Return on assets (ROA) | 0.6579% | 4,277 |
| Pretax return on assets | 0.9491% | 3,795 |
| Return on Equity (ROE) | 5.2220% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.7028% | 5,196 |
| Net charge-offs to loans | 0.3109% | 1,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4073% | 3,268 |
| Efficiency ratio | 76.6848% | 2,385 |
| Assets per employee ($millions) | 3.9641% | 3,961 |
| Cash dividends to net income (ytd only)* | 67.3920% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6416% | 536 |
| Loan loss allowance to noncurrent loans | 93.9017% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 2.4661% | 1,081 |
| Noncurrent loans to loans | 2.8132% | 984 |
| Net loans and leases to total assets | 56.1189% | 4,314 |
| Net loans and leases to deposits | 65.9031% | 4,335 |
| Net loans and leases to core deposits | 66.6367% | 4,649 |
| Total domestic deposits to total assets | 85.1537% | 3,279 |
| Equity capital to assets | 13.1461% | 1,353 |
| Core capital (leverage) ratio | 13.0106% | 1,171 |
| Tier 1 risk-based capital ratio | 20.3747% | 1,580 |
| Total risk-based capital ratio | 21.6384% | 1,544 |
| Memoranda: | ||
| Average total assets | $102,547,500 | 4,582 |
| Average earning assets | $95,451,000 | 4,563 |
| Average equity | $12,919,500 | 4,237 |
| Average total loans | $57,893,250 | 4,598 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,621 |
| Cost of funding earning assets | 0.2238% | 5,713 |
| Net interest margin | 3.5471% | 3,589 |
| Noninterest income to average assets | 0.7387% | 2,098 |
| Noninterest expense to average assets | 3.1303% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6365% | 4,175 |
| Return on assets (ROA) | 0.6365% | 4,277 |
| Pretax return on assets | 0.9104% | 3,844 |
| Return on Equity (ROE) | 5.1229% | 4,618 |
| Retained earnings to average equity (ytd only) | 0.7296% | 5,445 |
| Net charge-offs to loans | 0.3783% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.2909% | 3,137 |
| Efficiency ratio | 77.4702% | 2,381 |
| Assets per employee ($millions) | 3.7107% | 4,441 |
| Cash dividends to net income (ytd only)* | 85.7576% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7284% | 513 |
| Loan loss allowance to noncurrent loans | 100.8541% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.2098% | 1,373 |
| Noncurrent loans to loans | 2.7053% | 1,126 |
| Net loans and leases to total assets | 54.6218% | 4,461 |
| Net loans and leases to deposits | 63.0160% | 4,591 |
| Net loans and leases to core deposits | 63.6974% | 4,841 |
| Total domestic deposits to total assets | 86.6792% | 2,650 |
| Equity capital to assets | 12.9286% | 1,409 |
| Core capital (leverage) ratio | 12.5637% | 1,361 |
| Tier 1 risk-based capital ratio | 20.4969% | 1,569 |
| Total risk-based capital ratio | 21.7623% | 1,534 |
| Memoranda: | ||
| Average total assets | $103,696,000 | 4,590 |
| Average earning assets | $96,530,670 | 4,566 |
| Average equity | $12,883,330 | 4,244 |
| Average total loans | $58,149,670 | 4,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,574 |
| Cost of funding earning assets | 0.2409% | 5,668 |
| Net interest margin | 3.5366% | 3,539 |
| Noninterest income to average assets | 0.7549% | 1,943 |
| Noninterest expense to average assets | 3.1560% | 2,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6183% | 4,108 |
| Return on assets (ROA) | 0.6183% | 4,189 |
| Pretax return on assets | 0.8838% | 3,760 |
| Return on Equity (ROE) | 5.0745% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.4868% | 4,043 |
| Net charge-offs to loans | 0.5077% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.1067% | 2,730 |
| Efficiency ratio | 78.1221% | 2,459 |
| Assets per employee ($millions) | 3.7431% | 4,439 |
| Cash dividends to net income (ytd only)* | 31.2883% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6790% | 647 |
| Loan loss allowance to noncurrent loans | 87.9552% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.4254% | 1,328 |
| Noncurrent loans to loans | 3.0459% | 1,034 |
| Net loans and leases to total assets | 54.4166% | 4,365 |
| Net loans and leases to deposits | 62.3141% | 4,516 |
| Net loans and leases to core deposits | 63.0931% | 4,779 |
| Total domestic deposits to total assets | 87.3263% | 2,617 |
| Equity capital to assets | 12.3435% | 1,661 |
| Core capital (leverage) ratio | 12.2507% | 1,509 |
| Tier 1 risk-based capital ratio | 19.6320% | 1,804 |
| Total risk-based capital ratio | 20.8957% | 1,774 |
| Memoranda: | ||
| Average total assets | $105,449,500 | 4,596 |
| Average earning assets | $97,947,500 | 4,567 |
| Average equity | $12,848,500 | 4,262 |
| Average total loans | $59,094,500 | 4,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 5,162 |
| Cost of funding earning assets | 0.3344% | 5,289 |
| Net interest margin | 3.3568% | 4,455 |
| Noninterest income to average assets | 0.7100% | 2,485 |
| Noninterest expense to average assets | 3.1069% | 2,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5090% | 4,696 |
| Return on assets (ROA) | 0.4994% | 4,870 |
| Pretax return on assets | 0.7064% | 4,516 |
| Return on Equity (ROE) | 4.2417% | 4,998 |
| Retained earnings to average equity (ytd only) | -0.1851% | 5,913 |
| Net charge-offs to loans | 0.2847% | 2,268 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.5838% | 3,529 |
| Efficiency ratio | 81.1862% | 1,991 |
| Assets per employee ($millions) | 3.7890% | 4,287 |
| Cash dividends to net income (ytd only)* | 104.3636% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7607% | 632 |
| Loan loss allowance to noncurrent loans | 84.2294% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 2.7674% | 1,196 |
| Noncurrent loans to loans | 3.2776% | 1,009 |
| Net loans and leases to total assets | 54.6144% | 4,515 |
| Net loans and leases to deposits | 62.2821% | 4,693 |
| Net loans and leases to core deposits | 63.2578% | 4,945 |
| Total domestic deposits to total assets | 87.6889% | 2,369 |
| Equity capital to assets | 12.0274% | 1,781 |
| Core capital (leverage) ratio | 11.8475% | 1,719 |
| Tier 1 risk-based capital ratio | 18.7272% | 2,002 |
| Total risk-based capital ratio | 19.9915% | 1,957 |
| Memoranda: | ||
| Average total assets | $110,141,600 | 4,496 |
| Average earning assets | $102,268,600 | 4,455 |
| Average equity | $12,966,600 | 4,273 |
| Average total loans | $60,776,200 | 4,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 5,268 |
| Cost of funding earning assets | 0.3512% | 5,280 |
| Net interest margin | 3.3122% | 4,597 |
| Noninterest income to average assets | 0.7125% | 2,544 |
| Noninterest expense to average assets | 3.0671% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5106% | 4,755 |
| Return on assets (ROA) | 0.4978% | 4,970 |
| Pretax return on assets | 0.7041% | 4,675 |
| Return on Equity (ROE) | 4.2503% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.7858% | 4,652 |
| Net charge-offs to loans | 0.2467% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.3276% | 3,220 |
| Efficiency ratio | 80.9433% | 1,976 |
| Assets per employee ($millions) | 3.7955% | 4,253 |
| Cash dividends to net income (ytd only)* | 34.4575% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9000% | 616 |
| Loan loss allowance to noncurrent loans | 77.6058% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 3.1428% | 1,155 |
| Noncurrent loans to loans | 3.7368% | 984 |
| Net loans and leases to total assets | 53.7192% | 4,654 |
| Net loans and leases to deposits | 61.3854% | 4,821 |
| Net loans and leases to core deposits | 62.8083% | 5,034 |
| Total domestic deposits to total assets | 87.5114% | 2,410 |
| Equity capital to assets | 12.3211% | 1,693 |
| Core capital (leverage) ratio | 12.0693% | 1,630 |
| Tier 1 risk-based capital ratio | 19.2734% | 1,913 |
| Total risk-based capital ratio | 20.5394% | 1,875 |
| Memoranda: | ||
| Average total assets | $111,154,250 | 4,515 |
| Average earning assets | $103,252,000 | 4,465 |
| Average equity | $13,018,250 | 4,306 |
| Average total loans | $61,073,750 | 4,618 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 5,292 |
| Cost of funding earning assets | 0.3672% | 5,253 |
| Net interest margin | 3.2820% | 4,643 |
| Noninterest income to average assets | 0.6969% | 2,657 |
| Noninterest expense to average assets | 3.0360% | 2,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4983% | 4,808 |
| Return on assets (ROA) | 0.4983% | 4,982 |
| Pretax return on assets | 0.7040% | 4,672 |
| Return on Equity (ROE) | 4.3254% | 5,083 |
| Retained earnings to average equity (ytd only) | 2.1242% | 4,919 |
| Net charge-offs to loans | 0.0615% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 20.8947% | 1,436 |
| Efficiency ratio | 81.1759% | 2,006 |
| Assets per employee ($millions) | 3.7884% | 4,237 |
| Cash dividends to net income (ytd only)* | 50.8897% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0659% | 543 |
| Loan loss allowance to noncurrent loans | 92.2564% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 2.8317% | 1,451 |
| Noncurrent loans to loans | 3.3232% | 1,306 |
| Net loans and leases to total assets | 51.7717% | 4,891 |
| Net loans and leases to deposits | 58.7599% | 5,092 |
| Net loans and leases to core deposits | 60.1958% | 5,249 |
| Total domestic deposits to total assets | 88.1072% | 2,168 |
| Equity capital to assets | 11.7080% | 2,124 |
| Core capital (leverage) ratio | 11.5439% | 1,901 |
| Tier 1 risk-based capital ratio | 18.9429% | 2,007 |
| Total risk-based capital ratio | 20.2102% | 1,970 |
| Memoranda: | ||
| Average total assets | $112,781,330 | 4,515 |
| Average earning assets | $104,570,000 | 4,465 |
| Average equity | $12,993,000 | 4,344 |
| Average total loans | $61,833,670 | 4,611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 5,287 |
| Cost of funding earning assets | 0.3838% | 5,245 |
| Net interest margin | 3.2760% | 4,609 |
| Noninterest income to average assets | 0.7248% | 2,454 |
| Noninterest expense to average assets | 3.1023% | 2,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4587% | 4,874 |
| Return on assets (ROA) | 0.4587% | 5,040 |
| Pretax return on assets | 0.6408% | 4,800 |
| Return on Equity (ROE) | 4.0129% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.1838% | 5,723 |
| Net charge-offs to loans | 0.4353% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6522% | 2,979 |
| Efficiency ratio | 82.8812% | 1,910 |
| Assets per employee ($millions) | 3.7855% | 4,386 |
| Cash dividends to net income (ytd only)* | 95.4198% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8780% | 750 |
| Loan loss allowance to noncurrent loans | 105.6159% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 2.7156% | 1,672 |
| Noncurrent loans to loans | 2.7250% | 1,873 |
| Net loans and leases to total assets | 51.9725% | 4,708 |
| Net loans and leases to deposits | 58.8085% | 4,938 |
| Net loans and leases to core deposits | 60.1063% | 5,144 |
| Total domestic deposits to total assets | 88.3757% | 2,085 |
| Equity capital to assets | 11.4834% | 2,426 |
| Core capital (leverage) ratio | 11.3538% | 1,975 |
| Tier 1 risk-based capital ratio | 18.6215% | 2,149 |
| Total risk-based capital ratio | 19.8874% | 2,117 |
| Memoranda: | ||
| Average total assets | $114,239,500 | 4,520 |
| Average earning assets | $105,250,500 | 4,489 |
| Average equity | $13,058,000 | 4,373 |
| Average total loans | $63,411,500 | 4,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 4,073 |
| Cost of funding earning assets | 0.5360% | 4,945 |
| Net interest margin | 3.7982% | 3,232 |
| Noninterest income to average assets | 0.8060% | 2,243 |
| Noninterest expense to average assets | 3.1094% | 2,895 |
| Loan and lease loss provision to assets | 1.5009% | 213 |
| Net operating income to assets | -0.1251% | 6,307 |
| Return on assets (ROA) | -0.1251% | 6,400 |
| Pretax return on assets | -0.3002% | 6,475 |
| Return on Equity (ROE) | -1.0960% | 6,394 |
| Retained earnings to average equity (ytd only) | -2.8205% | 6,249 |
| Net charge-offs to loans | 2.0576% | 352 |
| Credit loss provision to net charge-offs | 115.4882% | 2,507 |
| Earnings coverage of net charge-offs (x) | 0.9239% | 5,007 |
| Efficiency ratio | 72.1421% | 3,392 |
| Assets per employee ($millions) | 3.9626% | 4,026 |
| Cash dividends to net income (ytd only)* | -157.3427% | 7,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7524% | 873 |
| Loan loss allowance to noncurrent loans | 131.3584% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 2.6167% | 1,859 |
| Noncurrent loans to loans | 2.0953% | 2,582 |
| Net loans and leases to total assets | 55.8970% | 4,310 |
| Net loans and leases to deposits | 63.1870% | 4,637 |
| Net loans and leases to core deposits | 64.5607% | 4,897 |
| Total domestic deposits to total assets | 88.4628% | 1,918 |
| Equity capital to assets | 11.3780% | 2,559 |
| Core capital (leverage) ratio | 11.3213% | 2,000 |
| Tier 1 risk-based capital ratio | 17.3479% | 2,504 |
| Total risk-based capital ratio | 18.6129% | 2,474 |
| Memoranda: | ||
| Average total assets | $114,265,600 | 4,486 |
| Average earning assets | $105,419,000 | 4,462 |
| Average equity | $13,047,400 | 4,348 |
| Average total loans | $72,173,200 | 4,269 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 3,953 |
| Cost of funding earning assets | 0.5668% | 4,946 |
| Net interest margin | 3.8565% | 3,096 |
| Noninterest income to average assets | 0.8916% | 1,860 |
| Noninterest expense to average assets | 3.1608% | 2,679 |
| Loan and lease loss provision to assets | 1.8976% | 139 |
| Net operating income to assets | -0.3096% | 6,578 |
| Return on assets (ROA) | -0.3096% | 6,637 |
| Pretax return on assets | -0.5971% | 6,741 |
| Return on Equity (ROE) | -2.7094% | 6,609 |
| Retained earnings to average equity (ytd only) | -4.9076% | 6,608 |
| Net charge-offs to loans | 2.6430% | 231 |
| Credit loss provision to net charge-offs | 111.1567% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.7618% | 4,944 |
| Efficiency ratio | 70.8486% | 3,523 |
| Assets per employee ($millions) | 3.8036% | 4,296 |
| Cash dividends to net income (ytd only)* | -81.1333% | 7,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5667% | 1,118 |
| Loan loss allowance to noncurrent loans | 131.6541% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 3.1168% | 1,663 |
| Noncurrent loans to loans | 1.9496% | 2,900 |
| Net loans and leases to total assets | 60.2589% | 3,724 |
| Net loans and leases to deposits | 68.4560% | 4,104 |
| Net loans and leases to core deposits | 70.0105% | 4,497 |
| Total domestic deposits to total assets | 88.0258% | 2,032 |
| Equity capital to assets | 11.8037% | 2,429 |
| Core capital (leverage) ratio | 11.3864% | 2,064 |
| Tier 1 risk-based capital ratio | 16.5629% | 2,963 |
| Total risk-based capital ratio | 17.8256% | 2,930 |
| Memoranda: | ||
| Average total assets | $114,103,250 | 4,535 |
| Average earning assets | $105,620,500 | 4,496 |
| Average equity | $13,040,500 | 4,387 |
| Average total loans | $73,703,500 | 4,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4684% | 3,908 |
| Cost of funding earning assets | 0.6047% | 4,864 |
| Net interest margin | 3.8637% | 3,072 |
| Noninterest income to average assets | 0.9119% | 1,741 |
| Noninterest expense to average assets | 3.1932% | 2,611 |
| Loan and lease loss provision to assets | 2.8153% | 71 |
| Net operating income to assets | -0.8789% | 6,879 |
| Return on assets (ROA) | -0.8789% | 6,906 |
| Pretax return on assets | -1.5082% | 7,006 |
| Return on Equity (ROE) | -7.7717% | 6,855 |
| Retained earnings to average equity (ytd only) | -10.1323% | 6,838 |
| Net charge-offs to loans | 2.4255% | 300 |
| Credit loss provision to net charge-offs | 177.2926% | 1,588 |
| Earnings coverage of net charge-offs (x) | 0.8231% | 4,647 |
| Efficiency ratio | 70.9553% | 3,605 |
| Assets per employee ($millions) | 4.1637% | 3,535 |
| Cash dividends to net income (ytd only)* | -30.3748% | 7,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1696% | 669 |
| Loan loss allowance to noncurrent loans | 90.6435% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 3.5430% | 1,499 |
| Noncurrent loans to loans | 3.4967% | 1,640 |
| Net loans and leases to total assets | 62.3937% | 3,355 |
| Net loans and leases to deposits | 70.5643% | 3,813 |
| Net loans and leases to core deposits | 72.1257% | 4,281 |
| Total domestic deposits to total assets | 88.4211% | 1,868 |
| Equity capital to assets | 11.3859% | 2,704 |
| Core capital (leverage) ratio | 10.8892% | 2,402 |
| Tier 1 risk-based capital ratio | 15.7848% | 3,285 |
| Total risk-based capital ratio | 17.0547% | 3,239 |
| Memoranda: | ||
| Average total assets | $115,369,670 | 4,521 |
| Average earning assets | $107,152,000 | 4,484 |
| Average equity | $13,047,330 | 4,383 |
| Average total loans | $75,531,670 | 4,237 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 3,454 |
| Cost of funding earning assets | 0.6502% | 4,735 |
| Net interest margin | 3.9604% | 2,667 |
| Noninterest income to average assets | 0.8969% | 1,758 |
| Noninterest expense to average assets | 3.3172% | 2,240 |
| Loan and lease loss provision to assets | 3.1529% | 70 |
| Net operating income to assets | -1.1194% | 7,022 |
| Return on assets (ROA) | -1.1194% | 7,034 |
| Pretax return on assets | -1.9034% | 7,127 |
| Return on Equity (ROE) | -9.9309% | 6,988 |
| Retained earnings to average equity (ytd only) | -13.5753% | 6,943 |
| Net charge-offs to loans | 3.0930% | 230 |
| Credit loss provision to net charge-offs | 154.5302% | 1,631 |
| Earnings coverage of net charge-offs (x) | 0.6124% | 4,028 |
| Efficiency ratio | 72.6387% | 3,322 |
| Assets per employee ($millions) | 3.9756% | 4,071 |
| Cash dividends to net income (ytd only)* | -36.6972% | 7,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5495% | 1,289 |
| Loan loss allowance to noncurrent loans | 169.8934% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 2.2781% | 2,617 |
| Noncurrent loans to loans | 1.5006% | 3,872 |
| Net loans and leases to total assets | 61.3095% | 3,391 |
| Net loans and leases to deposits | 68.9154% | 3,892 |
| Net loans and leases to core deposits | 70.3062% | 4,370 |
| Total domestic deposits to total assets | 88.9634% | 1,716 |
| Equity capital to assets | 10.8563% | 3,077 |
| Core capital (leverage) ratio | 11.0688% | 2,207 |
| Tier 1 risk-based capital ratio | 15.7613% | 3,309 |
| Total risk-based capital ratio | 17.0254% | 3,271 |
| Memoranda: | ||
| Average total assets | $116,844,500 | 4,521 |
| Average earning assets | $108,273,000 | 4,477 |
| Average equity | $13,171,000 | 4,373 |
| Average total loans | $77,078,000 | 4,213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 3,244 |
| Cost of funding earning assets | 0.9531% | 3,702 |
| Net interest margin | 3.9706% | 3,022 |
| Noninterest income to average assets | 0.5471% | 3,529 |
| Noninterest expense to average assets | 2.9013% | 3,954 |
| Loan and lease loss provision to assets | 2.5041% | 177 |
| Net operating income to assets | -0.6541% | 6,578 |
| Return on assets (ROA) | -0.6179% | 6,604 |
| Pretax return on assets | -1.1067% | 6,778 |
| Return on Equity (ROE) | -5.1901% | 6,538 |
| Retained earnings to average equity (ytd only) | -12.8774% | 6,804 |
| Net charge-offs to loans | 2.8851% | 351 |
| Credit loss provision to net charge-offs | 124.4104% | 2,524 |
| Earnings coverage of net charge-offs (x) | 0.6661% | 5,319 |
| Efficiency ratio | 68.3942% | 4,278 |
| Assets per employee ($millions) | 3.8141% | 4,292 |
| Cash dividends to net income (ytd only)* | -148.1132% | 7,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 2,255 |
| Loan loss allowance to noncurrent loans | 95.4901% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 2.9732% | 2,021 |
| Noncurrent loans to loans | 2.1018% | 3,062 |
| Net loans and leases to total assets | 67.7606% | 2,446 |
| Net loans and leases to deposits | 76.9367% | 3,015 |
| Net loans and leases to core deposits | 78.3336% | 3,640 |
| Total domestic deposits to total assets | 88.0731% | 2,107 |
| Equity capital to assets | 11.7058% | 2,338 |
| Core capital (leverage) ratio | 10.9763% | 2,285 |
| Tier 1 risk-based capital ratio | 15.6026% | 3,267 |
| Total risk-based capital ratio | 16.8601% | 3,218 |
| Memoranda: | ||
| Average total assets | $120,084,800 | 4,399 |
| Average earning assets | $111,745,600 | 4,343 |
| Average equity | $14,296,400 | 4,048 |
| Average total loans | $83,775,800 | 4,028 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 3,270 |
| Cost of funding earning assets | 0.9863% | 3,777 |
| Net interest margin | 3.9782% | 3,013 |
| Noninterest income to average assets | 0.4752% | 4,085 |
| Noninterest expense to average assets | 2.8652% | 4,081 |
| Loan and lease loss provision to assets | 1.9972% | 276 |
| Net operating income to assets | -0.3479% | 6,541 |
| Return on assets (ROA) | -0.3479% | 6,595 |
| Pretax return on assets | -0.6782% | 6,725 |
| Return on Equity (ROE) | -2.9105% | 6,556 |
| Retained earnings to average equity (ytd only) | -10.6503% | 6,876 |
| Net charge-offs to loans | 1.3609% | 1,110 |
| Credit loss provision to net charge-offs | 209.9193% | 1,385 |
| Earnings coverage of net charge-offs (x) | 1.3864% | 4,587 |
| Efficiency ratio | 68.4763% | 4,223 |
| Assets per employee ($millions) | 3.7716% | 4,362 |
| Cash dividends to net income (ytd only)* | -265.9277% | 7,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4299% | 1,490 |
| Loan loss allowance to noncurrent loans | 49.1807% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 4.1693% | 1,469 |
| Noncurrent loans to loans | 4.9407% | 1,271 |
| Net loans and leases to total assets | 64.9107% | 3,125 |
| Net loans and leases to deposits | 73.6893% | 3,694 |
| Net loans and leases to core deposits | 75.1525% | 4,301 |
| Total domestic deposits to total assets | 88.0870% | 1,994 |
| Equity capital to assets | 11.7033% | 2,487 |
| Core capital (leverage) ratio | 11.8153% | 1,818 |
| Tier 1 risk-based capital ratio | 16.1812% | 3,021 |
| Total risk-based capital ratio | 17.4434% | 2,982 |
| Memoranda: | ||
| Average total assets | $121,500,500 | 4,379 |
| Average earning assets | $113,280,250 | 4,317 |
| Average equity | $14,522,000 | 4,027 |
| Average total loans | $84,939,500 | 4,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 2,705 |
| Cost of funding earning assets | 1.0204% | 3,814 |
| Net interest margin | 4.0746% | 2,514 |
| Noninterest income to average assets | 0.6044% | 3,106 |
| Noninterest expense to average assets | 2.8036% | 4,412 |
| Loan and lease loss provision to assets | 2.3963% | 222 |
| Net operating income to assets | -0.4221% | 6,630 |
| Return on assets (ROA) | -0.4221% | 6,659 |
| Pretax return on assets | -0.7982% | 6,823 |
| Return on Equity (ROE) | -3.5075% | 6,621 |
| Retained earnings to average equity (ytd only) | -8.9666% | 6,822 |
| Net charge-offs to loans | 1.7736% | 799 |
| Credit loss provision to net charge-offs | 190.2216% | 1,591 |
| Earnings coverage of net charge-offs (x) | 1.2686% | 4,337 |
| Efficiency ratio | 63.6940% | 5,297 |
| Assets per employee ($millions) | 3.6599% | 4,538 |
| Cash dividends to net income (ytd only)* | -155.6420% | 7,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9888% | 2,402 |
| Loan loss allowance to noncurrent loans | 63.7015% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 3.2779% | 2,037 |
| Noncurrent loans to loans | 3.1221% | 2,308 |
| Net loans and leases to total assets | 71.1129% | 1,978 |
| Net loans and leases to deposits | 81.4668% | 2,525 |
| Net loans and leases to core deposits | 83.1471% | 3,345 |
| Total domestic deposits to total assets | 87.2906% | 2,575 |
| Equity capital to assets | 12.4644% | 1,801 |
| Core capital (leverage) ratio | 11.6369% | 1,825 |
| Tier 1 risk-based capital ratio | 15.6296% | 3,165 |
| Total risk-based capital ratio | 16.8541% | 3,140 |
| Memoranda: | ||
| Average total assets | $121,770,000 | 4,396 |
| Average earning assets | $113,482,330 | 4,347 |
| Average equity | $14,654,330 | 3,969 |
| Average total loans | $86,488,330 | 4,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0107% | 3,060 |
| Cost of funding earning assets | 1.0257% | 4,021 |
| Net interest margin | 3.9850% | 2,749 |
| Noninterest income to average assets | 0.4738% | 4,092 |
| Noninterest expense to average assets | 2.8945% | 4,081 |
| Loan and lease loss provision to assets | 4.5610% | 79 |
| Net operating income to assets | -1.9759% | 7,277 |
| Return on assets (ROA) | -1.9759% | 7,274 |
| Pretax return on assets | -3.2749% | 7,401 |
| Return on Equity (ROE) | -16.7002% | 7,177 |
| Retained earnings to average equity (ytd only) | -23.5655% | 7,217 |
| Net charge-offs to loans | 3.4294% | 292 |
| Credit loss provision to net charge-offs | 189.1711% | 1,557 |
| Earnings coverage of net charge-offs (x) | 0.5334% | 4,221 |
| Efficiency ratio | 69.2367% | 4,427 |
| Assets per employee ($millions) | 4.1790% | 3,489 |
| Cash dividends to net income (ytd only)* | -41.1093% | 7,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,558 |
| Loan loss allowance to noncurrent loans | 177.3163% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 1.6279% | 3,806 |
| Noncurrent loans to loans | 1.0961% | 4,870 |
| Net loans and leases to total assets | 64.8445% | 3,277 |
| Net loans and leases to deposits | 73.0887% | 3,910 |
| Net loans and leases to core deposits | 75.1274% | 4,407 |
| Total domestic deposits to total assets | 88.7202% | 1,943 |
| Equity capital to assets | 11.0143% | 2,674 |
| Core capital (leverage) ratio | 11.6111% | 1,791 |
| Tier 1 risk-based capital ratio | 15.2368% | 3,295 |
| Total risk-based capital ratio | 16.4930% | 3,252 |
| Memoranda: | ||
| Average total assets | $124,096,000 | 4,372 |
| Average earning assets | $115,433,000 | 4,312 |
| Average equity | $14,682,500 | 3,960 |
| Average total loans | $87,244,500 | 4,041 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 2,768 |
| Cost of funding earning assets | 1.2105% | 4,496 |
| Net interest margin | 4.1695% | 2,296 |
| Noninterest income to average assets | 0.6026% | 3,460 |
| Noninterest expense to average assets | 2.9866% | 3,898 |
| Loan and lease loss provision to assets | 0.5665% | 2,863 |
| Net operating income to assets | 0.6795% | 3,303 |
| Return on assets (ROA) | 0.6795% | 3,436 |
| Pretax return on assets | 0.9325% | 3,155 |
| Return on Equity (ROE) | 5.5814% | 3,805 |
| Retained earnings to average equity (ytd only) | 4.1692% | 2,927 |
| Net charge-offs to loans | 0.9135% | 2,361 |
| Credit loss provision to net charge-offs | 84.8039% | 5,354 |
| Earnings coverage of net charge-offs (x) | 2.2439% | 4,042 |
| Efficiency ratio | 66.5815% | 4,847 |
| Assets per employee ($millions) | 3.7076% | 4,445 |
| Cash dividends to net income (ytd only)* | 25.3012% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,856 |
| Loan loss allowance to noncurrent loans | 105.7203% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 1.6748% | 3,787 |
| Noncurrent loans to loans | 1.0628% | 4,949 |
| Net loans and leases to total assets | 74.0210% | 1,659 |
| Net loans and leases to deposits | 85.0631% | 2,271 |
| Net loans and leases to core deposits | 87.7034% | 3,093 |
| Total domestic deposits to total assets | 87.0189% | 2,811 |
| Equity capital to assets | 12.7240% | 1,514 |
| Core capital (leverage) ratio | 12.1771% | 1,443 |
| Tier 1 risk-based capital ratio | 15.8514% | 2,816 |
| Total risk-based capital ratio | 16.9040% | 2,882 |
| Memoranda: | ||
| Average total assets | $122,147,400 | 4,443 |
| Average earning assets | $113,754,200 | 4,383 |
| Average equity | $14,870,800 | 3,963 |
| Average total loans | $89,331,600 | 4,070 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 2,859 |
| Cost of funding earning assets | 1.2337% | 4,665 |
| Net interest margin | 4.1709% | 2,330 |
| Noninterest income to average assets | 0.7554% | 2,477 |
| Noninterest expense to average assets | 2.8492% | 4,280 |
| Loan and lease loss provision to assets | 0.7185% | 2,125 |
| Net operating income to assets | 0.7684% | 3,142 |
| Return on assets (ROA) | 0.7684% | 3,296 |
| Pretax return on assets | 1.0643% | 2,954 |
| Return on Equity (ROE) | 6.3810% | 3,633 |
| Retained earnings to average equity (ytd only) | 5.4540% | 2,675 |
| Net charge-offs to loans | 0.9255% | 2,146 |
| Credit loss provision to net charge-offs | 106.7633% | 4,005 |
| Earnings coverage of net charge-offs (x) | 2.6490% | 3,830 |
| Efficiency ratio | 61.5115% | 5,699 |
| Assets per employee ($millions) | 3.9942% | 3,850 |
| Cash dividends to net income (ytd only)* | 14.5275% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,940 |
| Loan loss allowance to noncurrent loans | 80.2759% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.6297% | 4,000 |
| Noncurrent loans to loans | 1.6249% | 4,211 |
| Net loans and leases to total assets | 68.9048% | 3,010 |
| Net loans and leases to deposits | 78.4413% | 3,747 |
| Net loans and leases to core deposits | 80.8620% | 4,401 |
| Total domestic deposits to total assets | 87.8425% | 2,057 |
| Equity capital to assets | 11.9181% | 2,211 |
| Core capital (leverage) ratio | 12.3896% | 1,462 |
| Tier 1 risk-based capital ratio | 15.8004% | 2,863 |
| Total risk-based capital ratio | 17.0253% | 2,825 |
| Memoranda: | ||
| Average total assets | $123,023,750 | 4,474 |
| Average earning assets | $114,343,750 | 4,419 |
| Average equity | $14,814,500 | 4,026 |
| Average total loans | $89,460,000 | 4,131 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 2,668 |
| Cost of funding earning assets | 1.2695% | 4,718 |
| Net interest margin | 4.1980% | 2,160 |
| Noninterest income to average assets | 0.8120% | 2,059 |
| Noninterest expense to average assets | 2.8017% | 4,471 |
| Loan and lease loss provision to assets | 0.7527% | 1,921 |
| Net operating income to assets | 0.8433% | 2,757 |
| Return on assets (ROA) | 0.8433% | 2,917 |
| Pretax return on assets | 1.1628% | 2,544 |
| Return on Equity (ROE) | 6.9779% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.8194% | 2,435 |
| Net charge-offs to loans | 0.5830% | 2,786 |
| Credit loss provision to net charge-offs | 175.0958% | 2,236 |
| Earnings coverage of net charge-offs (x) | 4.4559% | 2,948 |
| Efficiency ratio | 59.3925% | 6,162 |
| Assets per employee ($millions) | 3.6558% | 4,577 |
| Cash dividends to net income (ytd only)* | 16.6016% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 4,028 |
| Loan loss allowance to noncurrent loans | 59.6650% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.4403% | 2,947 |
| Noncurrent loans to loans | 2.4762% | 3,170 |
| Net loans and leases to total assets | 72.8544% | 2,199 |
| Net loans and leases to deposits | 83.4208% | 2,988 |
| Net loans and leases to core deposits | 86.6163% | 3,747 |
| Total domestic deposits to total assets | 87.3336% | 2,367 |
| Equity capital to assets | 12.4053% | 1,862 |
| Core capital (leverage) ratio | 12.0705% | 1,606 |
| Tier 1 risk-based capital ratio | 16.0351% | 2,656 |
| Total risk-based capital ratio | 17.2877% | 2,615 |
| Memoranda: | ||
| Average total assets | $121,427,000 | 4,536 |
| Average earning assets | $112,957,330 | 4,481 |
| Average equity | $14,675,000 | 4,057 |
| Average total loans | $89,535,330 | 4,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5315% | 2,448 |
| Cost of funding earning assets | 1.2861% | 4,899 |
| Net interest margin | 4.2454% | 1,867 |
| Noninterest income to average assets | 0.7782% | 2,129 |
| Noninterest expense to average assets | 2.9880% | 3,725 |
| Loan and lease loss provision to assets | 1.0048% | 1,237 |
| Net operating income to assets | 0.5254% | 4,260 |
| Return on assets (ROA) | 0.5254% | 4,398 |
| Pretax return on assets | 0.7092% | 4,201 |
| Return on Equity (ROE) | 4.4048% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,994 |
| Net charge-offs to loans | 0.7626% | 1,984 |
| Credit loss provision to net charge-offs | 178.9474% | 2,041 |
| Earnings coverage of net charge-offs (x) | 3.0526% | 3,032 |
| Efficiency ratio | 63.5475% | 5,578 |
| Assets per employee ($millions) | 3.8088% | 4,284 |
| Cash dividends to net income (ytd only)* | 18.1250% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,370 |
| Loan loss allowance to noncurrent loans | 39.2567% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 3.1752% | 2,257 |
| Noncurrent loans to loans | 3.5921% | 2,221 |
| Net loans and leases to total assets | 69.9201% | 2,959 |
| Net loans and leases to deposits | 79.3291% | 3,776 |
| Net loans and leases to core deposits | 81.4502% | 4,562 |
| Total domestic deposits to total assets | 88.1393% | 1,982 |
| Equity capital to assets | 11.6252% | 2,281 |
| Core capital (leverage) ratio | 12.3778% | 1,458 |
| Tier 1 risk-based capital ratio | 15.7835% | 2,735 |
| Total risk-based capital ratio | 16.9937% | 2,703 |
| Memoranda: | ||
| Average total assets | $121,819,500 | 4,588 |
| Average earning assets | $112,591,500 | 4,553 |
| Average equity | $14,529,500 | 4,114 |
| Average total loans | $89,697,500 | 4,204 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7429% | 2,894 |
| Cost of funding earning assets | 1.8327% | 3,821 |
| Net interest margin | 3.9102% | 3,228 |
| Noninterest income to average assets | 0.7254% | 2,817 |
| Noninterest expense to average assets | 2.9679% | 4,271 |
| Loan and lease loss provision to assets | 0.4991% | 3,880 |
| Net operating income to assets | 0.7483% | 2,730 |
| Return on assets (ROA) | 0.7483% | 2,820 |
| Pretax return on assets | 0.9223% | 2,855 |
| Return on Equity (ROE) | 6.7612% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.4026% | 2,164 |
| Net charge-offs to loans | 0.4021% | 4,214 |
| Credit loss provision to net charge-offs | 168.7166% | 2,543 |
| Earnings coverage of net charge-offs (x) | 4.8048% | 2,812 |
| Efficiency ratio | 67.6158% | 5,076 |
| Assets per employee ($millions) | 3.5742% | 4,837 |
| Cash dividends to net income (ytd only)* | 34.8837% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,109 |
| Loan loss allowance to noncurrent loans | 34.0723% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 3.2269% | 2,127 |
| Noncurrent loans to loans | 3.6486% | 2,066 |
| Net loans and leases to total assets | 75.5695% | 1,906 |
| Net loans and leases to deposits | 86.7271% | 2,797 |
| Net loans and leases to core deposits | 103.0726% | 3,681 |
| Total domestic deposits to total assets | 87.1349% | 2,421 |
| Equity capital to assets | 12.2487% | 1,879 |
| Core capital (leverage) ratio | 11.6490% | 1,840 |
| Tier 1 risk-based capital ratio | 13.9608% | 3,521 |
| Total risk-based capital ratio | 15.0477% | 3,569 |
| Memoranda: | ||
| Average total assets | $126,418,000 | 4,416 |
| Average earning assets | $118,459,800 | 4,342 |
| Average equity | $13,991,600 | 4,251 |
| Average total loans | $93,012,600 | 4,132 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7199% | 3,240 |
| Cost of funding earning assets | 1.9118% | 3,818 |
| Net interest margin | 3.8081% | 3,622 |
| Noninterest income to average assets | 0.7054% | 2,983 |
| Noninterest expense to average assets | 2.8609% | 4,611 |
| Loan and lease loss provision to assets | 0.5591% | 3,150 |
| Net operating income to assets | 0.6172% | 3,546 |
| Return on assets (ROA) | 0.6172% | 3,594 |
| Pretax return on assets | 0.8620% | 3,351 |
| Return on Equity (ROE) | 5.7164% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.6421% | 3,851 |
| Net charge-offs to loans | 0.4781% | 3,314 |
| Credit loss provision to net charge-offs | 160.4167% | 2,956 |
| Earnings coverage of net charge-offs (x) | 4.0774% | 3,273 |
| Efficiency ratio | 66.8120% | 5,222 |
| Assets per employee ($millions) | 4.0621% | 3,617 |
| Cash dividends to net income (ytd only)* | 53.7823% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1773% | 5,248 |
| Loan loss allowance to noncurrent loans | 37.6056% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.5503% | 2,719 |
| Noncurrent loans to loans | 3.1306% | 2,414 |
| Net loans and leases to total assets | 68.9684% | 3,714 |
| Net loans and leases to deposits | 77.7004% | 4,779 |
| Net loans and leases to core deposits | 96.2003% | 4,790 |
| Total domestic deposits to total assets | 88.7620% | 1,307 |
| Equity capital to assets | 10.9196% | 3,092 |
| Core capital (leverage) ratio | 11.3102% | 2,182 |
| Tier 1 risk-based capital ratio | 14.8961% | 3,092 |
| Total risk-based capital ratio | 16.0268% | 3,096 |
| Memoranda: | ||
| Average total assets | $128,535,750 | 4,399 |
| Average earning assets | $120,722,500 | 4,327 |
| Average equity | $13,877,750 | 4,317 |
| Average total loans | $93,702,250 | 4,156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8057% | 3,018 |
| Cost of funding earning assets | 2.0223% | 3,668 |
| Net interest margin | 3.7834% | 3,623 |
| Noninterest income to average assets | 0.7200% | 2,865 |
| Noninterest expense to average assets | 2.8848% | 4,562 |
| Loan and lease loss provision to assets | 0.6372% | 2,517 |
| Net operating income to assets | 0.5451% | 3,903 |
| Return on assets (ROA) | 0.5451% | 4,023 |
| Pretax return on assets | 0.7481% | 3,837 |
| Return on Equity (ROE) | 5.0681% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.9605% | 4,254 |
| Net charge-offs to loans | 0.2978% | 3,695 |
| Credit loss provision to net charge-offs | 289.3617% | 1,613 |
| Earnings coverage of net charge-offs (x) | 6.2908% | 2,647 |
| Efficiency ratio | 67.5567% | 5,241 |
| Assets per employee ($millions) | 4.0485% | 3,594 |
| Cash dividends to net income (ytd only)* | 61.3181% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 4,747 |
| Loan loss allowance to noncurrent loans | 39.4976% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.5896% | 2,485 |
| Noncurrent loans to loans | 3.1123% | 2,299 |
| Net loans and leases to total assets | 72.4702% | 3,094 |
| Net loans and leases to deposits | 82.9212% | 4,056 |
| Net loans and leases to core deposits | 105.4968% | 3,900 |
| Total domestic deposits to total assets | 87.3964% | 2,052 |
| Equity capital to assets | 11.0204% | 2,907 |
| Core capital (leverage) ratio | 10.9672% | 2,428 |
| Tier 1 risk-based capital ratio | 14.5533% | 3,220 |
| Total risk-based capital ratio | 15.7360% | 3,196 |
| Memoranda: | ||
| Average total assets | $128,052,000 | 4,431 |
| Average earning assets | $120,157,330 | 4,362 |
| Average equity | $13,772,330 | 4,364 |
| Average total loans | $94,697,000 | 4,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8298% | 3,142 |
| Cost of funding earning assets | 2.1226% | 3,546 |
| Net interest margin | 3.7071% | 3,863 |
| Noninterest income to average assets | 0.8506% | 2,077 |
| Noninterest expense to average assets | 2.6909% | 5,051 |
| Loan and lease loss provision to assets | 0.7268% | 1,766 |
| Net operating income to assets | 0.4794% | 4,522 |
| Return on assets (ROA) | 0.4794% | 4,708 |
| Pretax return on assets | 0.8846% | 3,771 |
| Return on Equity (ROE) | 4.5114% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.5114% | 3,421 |
| Net charge-offs to loans | 0.5375% | 2,105 |
| Credit loss provision to net charge-offs | 182.1705% | 2,388 |
| Earnings coverage of net charge-offs (x) | 4.0388% | 2,996 |
| Efficiency ratio | 62.5449% | 5,962 |
| Assets per employee ($millions) | 4.3480% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 5,917 |
| Loan loss allowance to noncurrent loans | 64.4326% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.3592% | 3,943 |
| Noncurrent loans to loans | 1.6023% | 3,875 |
| Net loans and leases to total assets | 69.0596% | 3,898 |
| Net loans and leases to deposits | 78.2067% | 4,892 |
| Net loans and leases to core deposits | 94.9236% | 5,070 |
| Total domestic deposits to total assets | 88.3039% | 1,574 |
| Equity capital to assets | 10.2769% | 3,673 |
| Core capital (leverage) ratio | 10.8397% | 2,626 |
| Tier 1 risk-based capital ratio | 14.1127% | 3,517 |
| Total risk-based capital ratio | 15.0950% | 3,595 |
| Memoranda: | ||
| Average total assets | $129,326,000 | 4,425 |
| Average earning assets | $120,416,500 | 4,374 |
| Average equity | $13,743,000 | 4,394 |
| Average total loans | $96,003,000 | 4,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4710% | 3,111 |
| Cost of funding earning assets | 2.8067% | 2,677 |
| Net interest margin | 3.6643% | 4,626 |
| Noninterest income to average assets | 0.7426% | 2,827 |
| Noninterest expense to average assets | 2.7690% | 4,956 |
| Loan and lease loss provision to assets | 0.8274% | 1,800 |
| Net operating income to assets | 0.4005% | 5,147 |
| Return on assets (ROA) | 0.4005% | 4,961 |
| Pretax return on assets | 0.5552% | 4,841 |
| Return on Equity (ROE) | 3.8245% | 4,886 |
| Retained earnings to average equity (ytd only) | 2.2947% | 3,777 |
| Net charge-offs to loans | 1.3343% | 884 |
| Credit loss provision to net charge-offs | 80.7897% | 5,887 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 5,451 |
| Efficiency ratio | 66.6979% | 4,973 |
| Assets per employee ($millions) | 3.7535% | 4,052 |
| Cash dividends to net income (ytd only)* | 40.0000% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,761 |
| Loan loss allowance to noncurrent loans | 65.7295% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 1.3030% | 3,615 |
| Noncurrent loans to loans | 1.3435% | 3,830 |
| Net loans and leases to total assets | 78.3811% | 2,030 |
| Net loans and leases to deposits | 90.4834% | 3,368 |
| Net loans and leases to core deposits | 110.3526% | 3,739 |
| Total domestic deposits to total assets | 86.6248% | 2,134 |
| Equity capital to assets | 11.0072% | 3,034 |
| Core capital (leverage) ratio | 10.9109% | 2,660 |
| Tier 1 risk-based capital ratio | 13.2106% | 3,985 |
| Total risk-based capital ratio | 14.0389% | 4,152 |
| Memoranda: | ||
| Average total assets | $128,602,600 | 4,321 |
| Average earning assets | $119,640,800 | 4,267 |
| Average equity | $13,465,800 | 4,462 |
| Average total loans | $98,703,200 | 3,982 |