Home > Farmers State Bank > Performance and Condition Ratios
Farmers State 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 | 4.3595% | 3,346 |
| Cost of funding earning assets | 0.8466% | 3,620 |
| Net interest margin | 3.5130% | 2,153 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.7907% | 1,528 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6360% | 3,347 |
| Return on assets (ROA) | 0.6914% | 3,189 |
| Pretax return on assets | 0.8495% | 3,094 |
| Return on Equity (ROE) | 8.1400% | 2,980 |
| Retained earnings to average equity (ytd only) | 5.3697% | 2,459 |
| Net charge-offs to loans | 0.0045% | 2,559 |
| Credit loss provision to net charge-offs | 2,860.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 343.8000% | 392 |
| Efficiency ratio | 76.6122% | 1,197 |
| Assets per employee ($millions) | 4.2129% | 4,078 |
| Cash dividends to net income (ytd only)* | 34.0502% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,244 |
| Loan loss allowance to noncurrent loans | 769.0217% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 2,935 |
| Noncurrent loans to loans | 0.1573% | 2,734 |
| Net loans and leases to total assets | 55.9900% | 3,195 |
| Net loans and leases to deposits | 62.3816% | 3,385 |
| Net loans and leases to core deposits | 71.6842% | 3,209 |
| Total domestic deposits to total assets | 89.7500% | 825 |
| Equity capital to assets | 8.8939% | 2,748 |
| Core capital (leverage) ratio | 13.4221% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9444% | 696 |
| Memoranda: | ||
| Average total assets | $201,774,000 | 2,980 |
| Average earning assets | $180,844,800 | 2,996 |
| Average equity | $17,133,200 | 3,082 |
| Average total loans | $109,955,200 | 3,062 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3213% | 3,252 |
| Cost of funding earning assets | 0.7604% | 3,635 |
| Net interest margin | 3.5610% | 2,084 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.8213% | 1,389 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.6428% | 3,444 |
| Return on assets (ROA) | 0.7171% | 3,255 |
| Pretax return on assets | 0.8813% | 3,147 |
| Return on Equity (ROE) | 8.5500% | 3,045 |
| Retained earnings to average equity (ytd only) | 4.7860% | 3,009 |
| Net charge-offs to loans | -0.0037% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.7215% | 1,113 |
| Assets per employee ($millions) | 4.0114% | 4,165 |
| Cash dividends to net income (ytd only)* | 44.0222% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,327 |
| Loan loss allowance to noncurrent loans | 610.6195% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 2,801 |
| Noncurrent loans to loans | 0.1975% | 2,566 |
| Net loans and leases to total assets | 57.5200% | 3,071 |
| Net loans and leases to deposits | 63.2741% | 3,306 |
| Net loans and leases to core deposits | 72.5738% | 3,072 |
| Total domestic deposits to total assets | 90.9100% | 694 |
| Equity capital to assets | 7.7626% | 3,202 |
| Core capital (leverage) ratio | 13.3860% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2683% | 607 |
| Memoranda: | ||
| Average total assets | $200,609,250 | 2,991 |
| Average earning assets | $179,385,250 | 3,022 |
| Average equity | $16,826,500 | 3,095 |
| Average total loans | $108,195,250 | 3,086 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,151 |
| Cost of funding earning assets | 0.6552% | 3,616 |
| Net interest margin | 3.6163% | 2,001 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.7817% | 1,457 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.6726% | 3,402 |
| Return on assets (ROA) | 0.7833% | 3,147 |
| Pretax return on assets | 0.9675% | 3,001 |
| Return on Equity (ROE) | 9.1200% | 2,949 |
| Retained earnings to average equity (ytd only) | 3.6428% | 3,306 |
| Net charge-offs to loans | 0.0019% | 2,311 |
| Credit loss provision to net charge-offs | 10,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 939.0000% | 158 |
| Efficiency ratio | 74.9466% | 1,260 |
| Assets per employee ($millions) | 4.4616% | 3,972 |
| Cash dividends to net income (ytd only)* | 60.0506% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 2,099 |
| Loan loss allowance to noncurrent loans | 773.0337% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 2,910 |
| Noncurrent loans to loans | 0.1636% | 2,655 |
| Net loans and leases to total assets | 53.4900% | 3,302 |
| Net loans and leases to deposits | 59.3125% | 3,462 |
| Net loans and leases to core deposits | 67.4838% | 3,266 |
| Total domestic deposits to total assets | 90.1800% | 871 |
| Equity capital to assets | 8.4828% | 2,881 |
| Core capital (leverage) ratio | 12.8138% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6509% | 661 |
| Memoranda: | ||
| Average total assets | $201,960,000 | 2,987 |
| Average earning assets | $180,404,333 | 3,025 |
| Average equity | $17,349,333 | 3,074 |
| Average total loans | $106,113,000 | 3,108 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 3,162 |
| Cost of funding earning assets | 0.5279% | 3,601 |
| Net interest margin | 3.6123% | 2,098 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.7548% | 1,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8003% | 3,190 |
| Return on assets (ROA) | 0.8195% | 3,087 |
| Pretax return on assets | 1.0091% | 2,961 |
| Return on Equity (ROE) | 9.4800% | 2,925 |
| Retained earnings to average equity (ytd only) | -1.3708% | 4,158 |
| Net charge-offs to loans | 0.0076% | 1,665 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 428 |
| Efficiency ratio | 73.6536% | 1,375 |
| Assets per employee ($millions) | 4.4724% | 4,037 |
| Cash dividends to net income (ytd only)* | 114.4578% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,537 |
| Loan loss allowance to noncurrent loans | 500.3922% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.1239% | 2,640 |
| Noncurrent loans to loans | 0.2404% | 2,299 |
| Net loans and leases to total assets | 50.9400% | 3,424 |
| Net loans and leases to deposits | 56.5861% | 3,538 |
| Net loans and leases to core deposits | 62.9345% | 3,390 |
| Total domestic deposits to total assets | 90.0300% | 1,146 |
| Equity capital to assets | 8.6896% | 2,749 |
| Core capital (leverage) ratio | 12.6437% | 1,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6576% | 689 |
| Memoranda: | ||
| Average total assets | $202,554,000 | 3,025 |
| Average earning assets | $183,375,000 | 3,042 |
| Average equity | $17,508,500 | 3,091 |
| Average total loans | $104,785,000 | 3,151 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8433% | 2,159 |
| Cost of funding earning assets | 0.2446% | 3,367 |
| Net interest margin | 3.5987% | 1,647 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.6331% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8961% | 2,976 |
| Return on assets (ROA) | 0.8722% | 3,006 |
| Pretax return on assets | 1.0640% | 2,884 |
| Return on Equity (ROE) | 9.4300% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.8528% | 2,301 |
| Net charge-offs to loans | 0.0202% | 1,687 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 108.8500% | 930 |
| Efficiency ratio | 70.6643% | 1,598 |
| Assets per employee ($millions) | 4.3343% | 4,123 |
| Cash dividends to net income (ytd only)* | 27.3460% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,364 |
| Loan loss allowance to noncurrent loans | 385.8736% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,580 |
| Noncurrent loans to loans | 0.2599% | 2,233 |
| Net loans and leases to total assets | 51.3800% | 3,404 |
| Net loans and leases to deposits | 56.9037% | 3,519 |
| Net loans and leases to core deposits | 61.9531% | 3,393 |
| Total domestic deposits to total assets | 90.3000% | 1,237 |
| Equity capital to assets | 8.5967% | 2,635 |
| Core capital (leverage) ratio | 13.3055% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1660% | 614 |
| Memoranda: | ||
| Average total assets | $199,157,000 | 3,049 |
| Average earning assets | $179,455,600 | 3,067 |
| Average equity | $18,415,800 | 3,086 |
| Average total loans | $99,040,800 | 3,166 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 1,884 |
| Cost of funding earning assets | 0.2404% | 2,816 |
| Net interest margin | 3.5116% | 1,634 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.6646% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8034% | 3,249 |
| Return on assets (ROA) | 0.8545% | 3,026 |
| Pretax return on assets | 1.0406% | 2,900 |
| Return on Equity (ROE) | 9.0800% | 3,008 |
| Retained earnings to average equity (ytd only) | 5.7005% | 2,857 |
| Net charge-offs to loans | 0.0272% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 73.0500% | 1,089 |
| Efficiency ratio | 73.1434% | 1,371 |
| Assets per employee ($millions) | 4.3544% | 4,150 |
| Cash dividends to net income (ytd only)* | 37.2257% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 3,359 |
| Loan loss allowance to noncurrent loans | 491.9431% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 2,885 |
| Noncurrent loans to loans | 0.2089% | 2,556 |
| Net loans and leases to total assets | 51.0100% | 3,382 |
| Net loans and leases to deposits | 56.0985% | 3,470 |
| Net loans and leases to core deposits | 60.6291% | 3,339 |
| Total domestic deposits to total assets | 90.9200% | 1,272 |
| Equity capital to assets | 7.3229% | 3,318 |
| Core capital (leverage) ratio | 12.8008% | 963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7145% | 665 |
| Memoranda: | ||
| Average total assets | $199,101,500 | 3,074 |
| Average earning assets | $179,173,500 | 3,095 |
| Average equity | $18,734,750 | 3,094 |
| Average total loans | $97,929,000 | 3,191 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6493% | 1,685 |
| Cost of funding earning assets | 0.2352% | 2,446 |
| Net interest margin | 3.4142% | 1,556 |
| Noninterest income to average assets | 0.4716% | 2,343 |
| Noninterest expense to average assets | 2.6150% | 1,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7714% | 3,055 |
| Return on assets (ROA) | 0.7714% | 3,020 |
| Pretax return on assets | 0.9323% | 2,957 |
| Return on Equity (ROE) | 7.6448% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.9411% | 3,463 |
| Net charge-offs to loans | 0.0289% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 66.6429% | 1,033 |
| Efficiency ratio | 73.7183% | 1,540 |
| Assets per employee ($millions) | 4.5298% | 4,052 |
| Cash dividends to net income (ytd only)* | 61.5285% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 3,404 |
| Loan loss allowance to noncurrent loans | 199.0458% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,027 |
| Noncurrent loans to loans | 0.5253% | 1,573 |
| Net loans and leases to total assets | 48.4247% | 3,516 |
| Net loans and leases to deposits | 54.0880% | 3,531 |
| Net loans and leases to core deposits | 58.4426% | 3,394 |
| Total domestic deposits to total assets | 89.5295% | 1,929 |
| Equity capital to assets | 8.0171% | 3,115 |
| Core capital (leverage) ratio | 12.4226% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9371% | 632 |
| Memoranda: | ||
| Average total assets | $200,152,667 | 3,096 |
| Average earning assets | $180,306,333 | 3,133 |
| Average equity | $20,196,667 | 3,050 |
| Average total loans | $96,911,333 | 3,229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 1,634 |
| Cost of funding earning assets | 0.2336% | 2,341 |
| Net interest margin | 3.3236% | 1,520 |
| Noninterest income to average assets | 0.4680% | 2,313 |
| Noninterest expense to average assets | 2.6323% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6858% | 3,106 |
| Return on assets (ROA) | 0.6858% | 3,097 |
| Pretax return on assets | 0.8209% | 3,042 |
| Return on Equity (ROE) | 6.1472% | 3,306 |
| Retained earnings to average equity (ytd only) | -2.4408% | 4,281 |
| Net charge-offs to loans | 0.0293% | 1,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 58.1429% | 863 |
| Efficiency ratio | 76.2266% | 1,498 |
| Assets per employee ($millions) | 4.3295% | 4,237 |
| Cash dividends to net income (ytd only)* | 139.7059% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,357 |
| Loan loss allowance to noncurrent loans | 691.4474% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,250 |
| Noncurrent loans to loans | 0.1579% | 3,017 |
| Net loans and leases to total assets | 46.8030% | 3,505 |
| Net loans and leases to deposits | 52.7310% | 3,515 |
| Net loans and leases to core deposits | 57.1321% | 3,367 |
| Total domestic deposits to total assets | 88.7580% | 2,186 |
| Equity capital to assets | 9.6247% | 2,195 |
| Core capital (leverage) ratio | 12.5805% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4916% | 519 |
| Memoranda: | ||
| Average total assets | $198,309,000 | 3,116 |
| Average earning assets | $178,118,000 | 3,156 |
| Average equity | $22,124,000 | 2,978 |
| Average total loans | $95,491,000 | 3,256 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 1,390 |
| Cost of funding earning assets | 0.2754% | 2,644 |
| Net interest margin | 3.7103% | 1,190 |
| Noninterest income to average assets | 0.4915% | 2,613 |
| Noninterest expense to average assets | 2.7778% | 1,417 |
| Loan and lease loss provision to assets | 0.0490% | 2,076 |
| Net operating income to assets | 0.8272% | 3,249 |
| Return on assets (ROA) | 0.8285% | 3,318 |
| Pretax return on assets | 1.0174% | 3,211 |
| Return on Equity (ROE) | 6.3203% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,071 |
| Net charge-offs to loans | 0.0401% | 1,455 |
| Credit loss provision to net charge-offs | 236.8421% | 1,205 |
| Earnings coverage of net charge-offs (x) | 51.4737% | 1,279 |
| Efficiency ratio | 72.2907% | 1,480 |
| Assets per employee ($millions) | 4.1985% | 4,323 |
| Cash dividends to net income (ytd only)* | 31.2089% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 3,287 |
| Loan loss allowance to noncurrent loans | 394.7761% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,869 |
| Noncurrent loans to loans | 0.2830% | 2,584 |
| Net loans and leases to total assets | 48.4826% | 3,452 |
| Net loans and leases to deposits | 56.6842% | 3,362 |
| Net loans and leases to core deposits | 61.8911% | 3,174 |
| Total domestic deposits to total assets | 85.5311% | 3,078 |
| Equity capital to assets | 12.7701% | 970 |
| Core capital (leverage) ratio | 13.1125% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7403% | 410 |
| Memoranda: | ||
| Average total assets | $183,706,800 | 3,177 |
| Average earning assets | $165,916,200 | 3,223 |
| Average equity | $24,081,200 | 2,909 |
| Average total loans | $94,691,400 | 3,266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0926% | 1,319 |
| Cost of funding earning assets | 0.2848% | 2,748 |
| Net interest margin | 3.8077% | 1,100 |
| Noninterest income to average assets | 0.4904% | 2,664 |
| Noninterest expense to average assets | 2.7938% | 1,355 |
| Loan and lease loss provision to assets | 0.0502% | 1,993 |
| Net operating income to assets | 0.8790% | 3,308 |
| Return on assets (ROA) | 0.8808% | 3,376 |
| Pretax return on assets | 1.0888% | 3,219 |
| Return on Equity (ROE) | 6.6733% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.0273% | 3,573 |
| Net charge-offs to loans | 0.0197% | 1,658 |
| Credit loss provision to net charge-offs | 485.7143% | 770 |
| Earnings coverage of net charge-offs (x) | 110.4286% | 816 |
| Efficiency ratio | 71.0812% | 1,485 |
| Assets per employee ($millions) | 4.2342% | 4,310 |
| Cash dividends to net income (ytd only)* | 39.6494% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,379 |
| Loan loss allowance to noncurrent loans | 348.0263% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 2,957 |
| Noncurrent loans to loans | 0.3199% | 2,630 |
| Net loans and leases to total assets | 49.3143% | 3,492 |
| Net loans and leases to deposits | 57.8955% | 3,415 |
| Net loans and leases to core deposits | 62.9287% | 3,227 |
| Total domestic deposits to total assets | 85.1782% | 3,054 |
| Equity capital to assets | 12.6946% | 1,096 |
| Core capital (leverage) ratio | 13.3587% | 759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1162% | 478 |
| Memoranda: | ||
| Average total assets | $181,350,750 | 3,234 |
| Average earning assets | $163,837,750 | 3,273 |
| Average equity | $23,935,750 | 2,948 |
| Average total loans | $94,691,000 | 3,311 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 1,040 |
| Cost of funding earning assets | 0.2938% | 2,834 |
| Net interest margin | 3.9851% | 849 |
| Noninterest income to average assets | 0.3747% | 3,242 |
| Noninterest expense to average assets | 2.8145% | 1,317 |
| Loan and lease loss provision to assets | 0.0505% | 2,026 |
| Net operating income to assets | 0.9093% | 3,190 |
| Return on assets (ROA) | 0.9120% | 3,263 |
| Pretax return on assets | 1.1341% | 3,102 |
| Return on Equity (ROE) | 6.8171% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.8342% | 3,894 |
| Net charge-offs to loans | 0.0275% | 1,398 |
| Credit loss provision to net charge-offs | 346.1538% | 827 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 834 |
| Efficiency ratio | 70.4380% | 1,583 |
| Assets per employee ($millions) | 4.0852% | 4,401 |
| Cash dividends to net income (ytd only)* | 58.4256% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 3,422 |
| Loan loss allowance to noncurrent loans | 334.5161% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 2,552 |
| Noncurrent loans to loans | 0.3285% | 2,736 |
| Net loans and leases to total assets | 50.7665% | 3,475 |
| Net loans and leases to deposits | 60.0632% | 3,387 |
| Net loans and leases to core deposits | 65.2800% | 3,178 |
| Total domestic deposits to total assets | 84.5217% | 3,278 |
| Equity capital to assets | 13.0984% | 916 |
| Core capital (leverage) ratio | 13.3133% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1987% | 471 |
| Memoranda: | ||
| Average total assets | $178,288,667 | 3,264 |
| Average earning assets | $162,004,000 | 3,293 |
| Average equity | $23,851,667 | 2,947 |
| Average total loans | $94,581,333 | 3,329 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 1,502 |
| Cost of funding earning assets | 0.3106% | 2,879 |
| Net interest margin | 3.7426% | 1,245 |
| Noninterest income to average assets | 0.3305% | 3,448 |
| Noninterest expense to average assets | 2.7530% | 1,483 |
| Loan and lease loss provision to assets | 0.0501% | 2,091 |
| Net operating income to assets | 0.7396% | 3,600 |
| Return on assets (ROA) | 0.7452% | 3,657 |
| Pretax return on assets | 0.9116% | 3,577 |
| Return on Equity (ROE) | 5.5102% | 3,990 |
| Retained earnings to average equity (ytd only) | -2.4939% | 4,570 |
| Net charge-offs to loans | 0.0676% | 868 |
| Credit loss provision to net charge-offs | 137.5000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 26.1875% | 1,142 |
| Efficiency ratio | 74.2471% | 1,290 |
| Assets per employee ($millions) | 3.8803% | 4,547 |
| Cash dividends to net income (ytd only)* | 145.2599% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,578 |
| Loan loss allowance to noncurrent loans | 189.1386% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 2,131 |
| Noncurrent loans to loans | 0.5655% | 2,159 |
| Net loans and leases to total assets | 51.2222% | 3,519 |
| Net loans and leases to deposits | 60.1451% | 3,470 |
| Net loans and leases to core deposits | 65.3654% | 3,292 |
| Total domestic deposits to total assets | 85.1644% | 3,036 |
| Equity capital to assets | 12.7613% | 976 |
| Core capital (leverage) ratio | 13.8127% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7216% | 465 |
| Memoranda: | ||
| Average total assets | $175,517,000 | 3,281 |
| Average earning assets | $158,392,000 | 3,325 |
| Average equity | $23,738,000 | 2,948 |
| Average total loans | $94,691,000 | 3,342 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 1,651 |
| Cost of funding earning assets | 0.4740% | 3,121 |
| Net interest margin | 3.9022% | 1,206 |
| Noninterest income to average assets | 0.3682% | 3,274 |
| Noninterest expense to average assets | 3.0488% | 1,333 |
| Loan and lease loss provision to assets | 0.1138% | 2,925 |
| Net operating income to assets | 0.5786% | 3,818 |
| Return on assets (ROA) | 0.5786% | 3,923 |
| Pretax return on assets | 0.6949% | 3,892 |
| Return on Equity (ROE) | 3.7807% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.7964% | 3,909 |
| Net charge-offs to loans | 0.0440% | 2,184 |
| Credit loss provision to net charge-offs | 434.1463% | 1,360 |
| Earnings coverage of net charge-offs (x) | 30.8537% | 1,583 |
| Efficiency ratio | 79.0355% | 959 |
| Assets per employee ($millions) | 3.6666% | 4,577 |
| Cash dividends to net income (ytd only)* | 52.4862% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,644 |
| Loan loss allowance to noncurrent loans | 285.5114% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 2,580 |
| Noncurrent loans to loans | 0.3707% | 2,872 |
| Net loans and leases to total assets | 55.7043% | 3,328 |
| Net loans and leases to deposits | 66.8493% | 3,200 |
| Net loans and leases to core deposits | 70.5589% | 3,221 |
| Total domestic deposits to total assets | 83.3282% | 3,323 |
| Equity capital to assets | 14.3500% | 719 |
| Core capital (leverage) ratio | 14.7822% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5206% | 411 |
| Memoranda: | ||
| Average total assets | $156,424,600 | 3,322 |
| Average earning assets | $139,869,400 | 3,384 |
| Average equity | $23,937,400 | 2,880 |
| Average total loans | $93,088,600 | 3,357 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5002% | 1,574 |
| Cost of funding earning assets | 0.5083% | 3,170 |
| Net interest margin | 3.9920% | 1,134 |
| Noninterest income to average assets | 0.3712% | 3,232 |
| Noninterest expense to average assets | 3.0958% | 1,244 |
| Loan and lease loss provision to assets | 0.1154% | 2,878 |
| Net operating income to assets | 0.5929% | 3,788 |
| Return on assets (ROA) | 0.5929% | 3,887 |
| Pretax return on assets | 0.7172% | 3,868 |
| Return on Equity (ROE) | 3.8093% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.1562% | 4,199 |
| Net charge-offs to loans | 0.0504% | 1,894 |
| Credit loss provision to net charge-offs | 380.0000% | 1,519 |
| Earnings coverage of net charge-offs (x) | 27.3714% | 1,670 |
| Efficiency ratio | 78.8006% | 966 |
| Assets per employee ($millions) | 3.7571% | 4,510 |
| Cash dividends to net income (ytd only)* | 69.6481% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,544 |
| Loan loss allowance to noncurrent loans | 548.2955% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 3,136 |
| Noncurrent loans to loans | 0.1885% | 3,638 |
| Net loans and leases to total assets | 57.1892% | 3,504 |
| Net loans and leases to deposits | 68.9606% | 3,400 |
| Net loans and leases to core deposits | 72.9789% | 3,398 |
| Total domestic deposits to total assets | 82.9303% | 3,159 |
| Equity capital to assets | 15.1874% | 591 |
| Core capital (leverage) ratio | 15.1091% | 524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0811% | 405 |
| Memoranda: | ||
| Average total assets | $153,365,250 | 3,342 |
| Average earning assets | $136,670,750 | 3,403 |
| Average equity | $23,871,000 | 2,877 |
| Average total loans | $92,621,500 | 3,374 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,584 |
| Cost of funding earning assets | 0.5366% | 3,310 |
| Net interest margin | 4.0934% | 1,127 |
| Noninterest income to average assets | 0.3784% | 3,210 |
| Noninterest expense to average assets | 3.2077% | 1,145 |
| Loan and lease loss provision to assets | 0.1261% | 2,766 |
| Net operating income to assets | 0.5722% | 3,826 |
| Return on assets (ROA) | 0.5722% | 3,902 |
| Pretax return on assets | 0.6904% | 3,892 |
| Return on Equity (ROE) | 3.6449% | 4,210 |
| Retained earnings to average equity (ytd only) | -0.3721% | 4,378 |
| Net charge-offs to loans | 0.0281% | 2,153 |
| Credit loss provision to net charge-offs | 730.7692% | 970 |
| Earnings coverage of net charge-offs (x) | 47.3077% | 1,146 |
| Efficiency ratio | 79.7097% | 915 |
| Assets per employee ($millions) | 3.5960% | 4,603 |
| Cash dividends to net income (ytd only)* | 110.2088% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,489 |
| Loan loss allowance to noncurrent loans | 791.6667% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,156 |
| Noncurrent loans to loans | 0.1285% | 3,945 |
| Net loans and leases to total assets | 59.7700% | 3,355 |
| Net loans and leases to deposits | 72.5415% | 3,211 |
| Net loans and leases to core deposits | 76.9865% | 3,194 |
| Total domestic deposits to total assets | 82.3943% | 3,267 |
| Equity capital to assets | 15.7005% | 510 |
| Core capital (leverage) ratio | 15.3073% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,635,333 | 3,351 |
| Average earning assets | $134,167,333 | 3,417 |
| Average equity | $23,649,333 | 2,880 |
| Average total loans | $92,376,333 | 3,363 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 1,829 |
| Cost of funding earning assets | 0.5668% | 3,604 |
| Net interest margin | 4.0893% | 1,155 |
| Noninterest income to average assets | 0.4198% | 2,970 |
| Noninterest expense to average assets | 3.4123% | 1,050 |
| Loan and lease loss provision to assets | 0.0619% | 2,997 |
| Net operating income to assets | 0.4575% | 3,998 |
| Return on assets (ROA) | 0.4575% | 4,054 |
| Pretax return on assets | 0.5571% | 4,014 |
| Return on Equity (ROE) | 2.9140% | 4,238 |
| Retained earnings to average equity (ytd only) | -5.2281% | 4,540 |
| Net charge-offs to loans | -0.0348% | 4,523 |
| Credit loss provision to net charge-offs | -287.5000% | 3,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6462% | 790 |
| Assets per employee ($millions) | 3.3488% | 4,598 |
| Cash dividends to net income (ytd only)* | 279.4118% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,812 |
| Loan loss allowance to noncurrent loans | 475.6614% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3477% | 3,046 |
| Noncurrent loans to loans | 0.2058% | 3,745 |
| Net loans and leases to total assets | 60.3323% | 3,462 |
| Net loans and leases to deposits | 72.9992% | 3,354 |
| Net loans and leases to core deposits | 77.5726% | 3,387 |
| Total domestic deposits to total assets | 82.6480% | 3,222 |
| Equity capital to assets | 15.3666% | 698 |
| Core capital (leverage) ratio | 15.7929% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,640,000 | 3,342 |
| Average earning assets | $131,269,500 | 3,430 |
| Average equity | $23,335,500 | 2,901 |
| Average total loans | $91,879,500 | 3,362 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 1,945 |
| Cost of funding earning assets | 0.5442% | 3,902 |
| Net interest margin | 4.2884% | 1,112 |
| Noninterest income to average assets | 0.4930% | 2,781 |
| Noninterest expense to average assets | 3.3725% | 1,163 |
| Loan and lease loss provision to assets | 0.1195% | 1,776 |
| Net operating income to assets | 0.6679% | 3,959 |
| Return on assets (ROA) | 0.6657% | 4,042 |
| Pretax return on assets | 0.8127% | 3,946 |
| Return on Equity (ROE) | 4.2745% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.1683% | 3,912 |
| Net charge-offs to loans | 0.2396% | 855 |
| Credit loss provision to net charge-offs | 78.6364% | 2,809 |
| Earnings coverage of net charge-offs (x) | 6.1545% | 3,001 |
| Efficiency ratio | 78.2943% | 1,115 |
| Assets per employee ($millions) | 3.1866% | 4,715 |
| Cash dividends to net income (ytd only)* | 49.2739% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 3,766 |
| Loan loss allowance to noncurrent loans | 127.4596% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,667 |
| Noncurrent loans to loans | 0.7407% | 2,032 |
| Net loans and leases to total assets | 62.1307% | 3,386 |
| Net loans and leases to deposits | 75.6961% | 3,211 |
| Net loans and leases to core deposits | 80.9941% | 3,212 |
| Total domestic deposits to total assets | 82.0791% | 3,494 |
| Equity capital to assets | 16.0414% | 595 |
| Core capital (leverage) ratio | 16.3698% | 477 |
| Tier 1 risk-based capital ratio | 25.3586% | 726 |
| Total risk-based capital ratio | 26.2898% | 733 |
| Memoranda: | ||
| Average total assets | $144,817,400 | 3,370 |
| Average earning assets | $128,814,000 | 3,446 |
| Average equity | $22,552,200 | 2,912 |
| Average total loans | $91,835,200 | 3,359 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 2,108 |
| Cost of funding earning assets | 0.5255% | 4,046 |
| Net interest margin | 4.2786% | 1,209 |
| Noninterest income to average assets | 0.4950% | 2,761 |
| Noninterest expense to average assets | 3.3209% | 1,226 |
| Loan and lease loss provision to assets | 0.0628% | 2,640 |
| Net operating income to assets | 0.7547% | 3,839 |
| Return on assets (ROA) | 0.7554% | 3,899 |
| Pretax return on assets | 0.9318% | 3,787 |
| Return on Equity (ROE) | 4.8882% | 4,357 |
| Retained earnings to average equity (ytd only) | 2.0497% | 4,254 |
| Net charge-offs to loans | 0.1017% | 1,455 |
| Credit loss provision to net charge-offs | 97.1429% | 2,318 |
| Earnings coverage of net charge-offs (x) | 15.3716% | 2,190 |
| Efficiency ratio | 76.9692% | 1,225 |
| Assets per employee ($millions) | 2.9480% | 4,918 |
| Cash dividends to net income (ytd only)* | 58.0687% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 3,704 |
| Loan loss allowance to noncurrent loans | 63.4214% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3285% | 901 |
| Noncurrent loans to loans | 1.5383% | 975 |
| Net loans and leases to total assets | 64.0819% | 3,280 |
| Net loans and leases to deposits | 79.5673% | 2,946 |
| Net loans and leases to core deposits | 85.3270% | 2,963 |
| Total domestic deposits to total assets | 80.5380% | 3,862 |
| Equity capital to assets | 15.9625% | 637 |
| Core capital (leverage) ratio | 16.2722% | 523 |
| Tier 1 risk-based capital ratio | 24.7992% | 778 |
| Total risk-based capital ratio | 25.7619% | 787 |
| Memoranda: | ||
| Average total assets | $144,376,000 | 3,406 |
| Average earning assets | $128,887,500 | 3,477 |
| Average equity | $22,311,750 | 2,954 |
| Average total loans | $91,808,750 | 3,403 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 2,159 |
| Cost of funding earning assets | 0.5081% | 4,081 |
| Net interest margin | 4.2625% | 1,211 |
| Noninterest income to average assets | 0.5016% | 2,664 |
| Noninterest expense to average assets | 3.3571% | 1,179 |
| Loan and lease loss provision to assets | 0.0623% | 2,572 |
| Net operating income to assets | 0.7193% | 3,937 |
| Return on assets (ROA) | 0.7205% | 3,990 |
| Pretax return on assets | 0.8840% | 3,893 |
| Return on Equity (ROE) | 4.7138% | 4,417 |
| Retained earnings to average equity (ytd only) | 0.4079% | 4,590 |
| Net charge-offs to loans | -0.0395% | 4,763 |
| Credit loss provision to net charge-offs | -250.0000% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0354% | 1,148 |
| Assets per employee ($millions) | 2.9508% | 4,935 |
| Cash dividends to net income (ytd only)* | 91.3462% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 3,194 |
| Loan loss allowance to noncurrent loans | 76.1682% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 863 |
| Noncurrent loans to loans | 1.4153% | 1,094 |
| Net loans and leases to total assets | 62.0681% | 3,540 |
| Net loans and leases to deposits | 75.8695% | 3,348 |
| Net loans and leases to core deposits | 80.5925% | 3,377 |
| Total domestic deposits to total assets | 81.8090% | 3,574 |
| Equity capital to assets | 15.6154% | 685 |
| Core capital (leverage) ratio | 15.9731% | 545 |
| Tier 1 risk-based capital ratio | 25.0448% | 754 |
| Total risk-based capital ratio | 26.1009% | 749 |
| Memoranda: | ||
| Average total assets | $144,351,000 | 3,425 |
| Average earning assets | $128,703,670 | 3,495 |
| Average equity | $22,063,000 | 2,967 |
| Average total loans | $91,252,000 | 3,429 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 1,995 |
| Cost of funding earning assets | 0.4950% | 4,084 |
| Net interest margin | 4.2743% | 1,141 |
| Noninterest income to average assets | 0.4770% | 2,697 |
| Noninterest expense to average assets | 3.3113% | 1,266 |
| Loan and lease loss provision to assets | 0.0638% | 2,389 |
| Net operating income to assets | 0.7405% | 3,801 |
| Return on assets (ROA) | 0.7405% | 3,852 |
| Pretax return on assets | 0.9096% | 3,734 |
| Return on Equity (ROE) | 4.8978% | 4,348 |
| Retained earnings to average equity (ytd only) | -3.8156% | 4,854 |
| Net charge-offs to loans | 0.0481% | 1,593 |
| Credit loss provision to net charge-offs | 209.0909% | 1,025 |
| Earnings coverage of net charge-offs (x) | 31.9091% | 1,296 |
| Efficiency ratio | 77.2816% | 1,352 |
| Assets per employee ($millions) | 3.3316% | 4,714 |
| Cash dividends to net income (ytd only)* | 177.9026% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,609 |
| Loan loss allowance to noncurrent loans | 66.4516% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.6993% | 653 |
| Noncurrent loans to loans | 1.5253% | 1,056 |
| Net loans and leases to total assets | 61.7573% | 3,527 |
| Net loans and leases to deposits | 74.2883% | 3,429 |
| Net loans and leases to core deposits | 78.2177% | 3,498 |
| Total domestic deposits to total assets | 83.1319% | 3,337 |
| Equity capital to assets | 14.9642% | 759 |
| Core capital (leverage) ratio | 16.1645% | 512 |
| Tier 1 risk-based capital ratio | 24.6983% | 783 |
| Total risk-based capital ratio | 25.6963% | 787 |
| Memoranda: | ||
| Average total assets | $144,232,500 | 3,462 |
| Average earning assets | $128,488,500 | 3,543 |
| Average equity | $21,805,500 | 2,991 |
| Average total loans | $91,517,500 | 3,463 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,547 |
| Cost of funding earning assets | 0.4627% | 3,594 |
| Net interest margin | 4.3369% | 1,075 |
| Noninterest income to average assets | 0.5021% | 2,826 |
| Noninterest expense to average assets | 3.3800% | 1,185 |
| Loan and lease loss provision to assets | 0.1602% | 1,283 |
| Net operating income to assets | 0.7087% | 4,116 |
| Return on assets (ROA) | 0.7098% | 4,115 |
| Pretax return on assets | 0.8637% | 3,992 |
| Return on Equity (ROE) | 4.7518% | 4,516 |
| Retained earnings to average equity (ytd only) | 2.5280% | 4,135 |
| Net charge-offs to loans | 0.0815% | 1,974 |
| Credit loss provision to net charge-offs | 309.4595% | 1,009 |
| Earnings coverage of net charge-offs (x) | 19.7568% | 2,041 |
| Efficiency ratio | 76.7752% | 1,255 |
| Assets per employee ($millions) | 3.2244% | 4,805 |
| Cash dividends to net income (ytd only)* | 46.7980% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,702 |
| Loan loss allowance to noncurrent loans | 68.3857% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.6381% | 673 |
| Noncurrent loans to loans | 1.4610% | 1,049 |
| Net loans and leases to total assets | 63.9034% | 3,372 |
| Net loans and leases to deposits | 78.6057% | 3,094 |
| Net loans and leases to core deposits | 83.0019% | 3,180 |
| Total domestic deposits to total assets | 81.2962% | 3,826 |
| Equity capital to assets | 15.2775% | 651 |
| Core capital (leverage) ratio | 16.4992% | 459 |
| Tier 1 risk-based capital ratio | 24.1825% | 812 |
| Total risk-based capital ratio | 25.1384% | 816 |
| Memoranda: | ||
| Average total assets | $142,988,600 | 3,463 |
| Average earning assets | $128,594,600 | 3,514 |
| Average equity | $21,360,400 | 2,952 |
| Average total loans | $90,765,400 | 3,466 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7956% | 1,440 |
| Cost of funding earning assets | 0.4566% | 3,486 |
| Net interest margin | 4.3390% | 1,037 |
| Noninterest income to average assets | 0.4942% | 2,907 |
| Noninterest expense to average assets | 3.3978% | 1,124 |
| Loan and lease loss provision to assets | 0.0884% | 2,204 |
| Net operating income to assets | 0.7448% | 4,094 |
| Return on assets (ROA) | 0.7464% | 4,098 |
| Pretax return on assets | 0.9102% | 3,987 |
| Return on Equity (ROE) | 5.0245% | 4,552 |
| Retained earnings to average equity (ytd only) | 2.0487% | 4,570 |
| Net charge-offs to loans | 0.1134% | 1,364 |
| Credit loss provision to net charge-offs | 123.3766% | 1,954 |
| Earnings coverage of net charge-offs (x) | 13.9096% | 2,318 |
| Efficiency ratio | 77.3189% | 1,198 |
| Assets per employee ($millions) | 3.2408% | 4,841 |
| Cash dividends to net income (ytd only)* | 59.2270% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 4,489 |
| Loan loss allowance to noncurrent loans | 64.2739% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 939 |
| Noncurrent loans to loans | 1.3106% | 1,277 |
| Net loans and leases to total assets | 64.3073% | 3,389 |
| Net loans and leases to deposits | 79.3498% | 3,108 |
| Net loans and leases to core deposits | 83.5557% | 3,194 |
| Total domestic deposits to total assets | 81.0428% | 3,854 |
| Equity capital to assets | 14.9325% | 740 |
| Core capital (leverage) ratio | 15.8373% | 544 |
| Tier 1 risk-based capital ratio | 23.2748% | 915 |
| Total risk-based capital ratio | 24.0869% | 928 |
| Memoranda: | ||
| Average total assets | $143,267,000 | 3,503 |
| Average earning assets | $128,780,750 | 3,548 |
| Average equity | $21,281,750 | 2,975 |
| Average total loans | $90,562,250 | 3,493 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 1,349 |
| Cost of funding earning assets | 0.4401% | 3,429 |
| Net interest margin | 4.3223% | 997 |
| Noninterest income to average assets | 0.4697% | 3,038 |
| Noninterest expense to average assets | 3.3856% | 1,155 |
| Loan and lease loss provision to assets | 0.0697% | 2,488 |
| Net operating income to assets | 0.7420% | 4,061 |
| Return on assets (ROA) | 0.7443% | 4,055 |
| Pretax return on assets | 0.9046% | 3,949 |
| Return on Equity (ROE) | 5.0193% | 4,541 |
| Retained earnings to average equity (ytd only) | 0.5546% | 4,846 |
| Net charge-offs to loans | 0.0334% | 2,186 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 46.4667% | 1,184 |
| Efficiency ratio | 77.7031% | 1,224 |
| Assets per employee ($millions) | 3.3299% | 4,786 |
| Cash dividends to net income (ytd only)* | 88.9513% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 4,446 |
| Loan loss allowance to noncurrent loans | 48.8029% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6210% | 784 |
| Noncurrent loans to loans | 1.7920% | 869 |
| Net loans and leases to total assets | 62.9309% | 3,512 |
| Net loans and leases to deposits | 77.6403% | 3,191 |
| Net loans and leases to core deposits | 81.9162% | 3,248 |
| Total domestic deposits to total assets | 81.0544% | 3,981 |
| Equity capital to assets | 14.7887% | 734 |
| Core capital (leverage) ratio | 15.4202% | 585 |
| Tier 1 risk-based capital ratio | 23.1125% | 924 |
| Total risk-based capital ratio | 23.9489% | 944 |
| Memoranda: | ||
| Average total assets | $143,491,000 | 3,519 |
| Average earning assets | $129,052,670 | 3,563 |
| Average equity | $21,278,000 | 2,990 |
| Average total loans | $89,923,670 | 3,518 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7047% | 1,296 |
| Cost of funding earning assets | 0.4243% | 3,408 |
| Net interest margin | 4.2804% | 981 |
| Noninterest income to average assets | 0.4511% | 3,101 |
| Noninterest expense to average assets | 3.3639% | 1,228 |
| Loan and lease loss provision to assets | 0.0418% | 2,922 |
| Net operating income to assets | 0.7351% | 3,965 |
| Return on assets (ROA) | 0.7351% | 3,970 |
| Pretax return on assets | 0.8939% | 3,870 |
| Return on Equity (ROE) | 4.9509% | 4,511 |
| Retained earnings to average equity (ytd only) | -3.9570% | 5,139 |
| Net charge-offs to loans | 0.0716% | 1,404 |
| Credit loss provision to net charge-offs | 93.7500% | 1,644 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,444 |
| Efficiency ratio | 78.2383% | 1,330 |
| Assets per employee ($millions) | 3.2002% | 5,003 |
| Cash dividends to net income (ytd only)* | 179.9242% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 4,652 |
| Loan loss allowance to noncurrent loans | 57.7186% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 962 |
| Noncurrent loans to loans | 1.4672% | 1,209 |
| Net loans and leases to total assets | 61.7110% | 3,581 |
| Net loans and leases to deposits | 74.6017% | 3,355 |
| Net loans and leases to core deposits | 78.5945% | 3,442 |
| Total domestic deposits to total assets | 82.7206% | 3,752 |
| Equity capital to assets | 14.5941% | 756 |
| Core capital (leverage) ratio | 15.3571% | 580 |
| Tier 1 risk-based capital ratio | 22.9487% | 948 |
| Total risk-based capital ratio | 23.7503% | 972 |
| Memoranda: | ||
| Average total assets | $143,644,500 | 3,552 |
| Average earning assets | $129,146,500 | 3,601 |
| Average equity | $21,329,500 | 3,010 |
| Average total loans | $89,434,500 | 3,559 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8321% | 917 |
| Cost of funding earning assets | 0.4482% | 2,790 |
| Net interest margin | 4.3838% | 804 |
| Noninterest income to average assets | 0.4209% | 3,496 |
| Noninterest expense to average assets | 3.3476% | 1,294 |
| Loan and lease loss provision to assets | 0.0422% | 3,406 |
| Net operating income to assets | 0.4787% | 4,430 |
| Return on assets (ROA) | 0.4827% | 4,449 |
| Pretax return on assets | 0.9409% | 3,776 |
| Return on Equity (ROE) | 3.1951% | 4,777 |
| Retained earnings to average equity (ytd only) | 0.9860% | 4,632 |
| Net charge-offs to loans | 0.4719% | 501 |
| Credit loss provision to net charge-offs | 14.7059% | 3,638 |
| Earnings coverage of net charge-offs (x) | 3.4069% | 3,613 |
| Efficiency ratio | 77.4131% | 1,432 |
| Assets per employee ($millions) | 3.1840% | 5,046 |
| Cash dividends to net income (ytd only)* | 69.1412% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8516% | 4,661 |
| Loan loss allowance to noncurrent loans | 65.4608% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.3973% | 1,005 |
| Noncurrent loans to loans | 1.3010% | 1,342 |
| Net loans and leases to total assets | 61.7536% | 3,651 |
| Net loans and leases to deposits | 75.0257% | 3,427 |
| Net loans and leases to core deposits | 79.2945% | 3,470 |
| Total domestic deposits to total assets | 82.3100% | 3,781 |
| Equity capital to assets | 15.1048% | 658 |
| Core capital (leverage) ratio | 15.3013% | 571 |
| Tier 1 risk-based capital ratio | 23.5396% | 854 |
| Total risk-based capital ratio | 24.3562% | 884 |
| Memoranda: | ||
| Average total assets | $142,310,600 | 3,579 |
| Average earning assets | $126,715,600 | 3,635 |
| Average equity | $21,501,400 | 2,992 |
| Average total loans | $86,457,400 | 3,601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 869 |
| Cost of funding earning assets | 0.4434% | 2,770 |
| Net interest margin | 4.3880% | 744 |
| Noninterest income to average assets | 0.5068% | 2,996 |
| Noninterest expense to average assets | 3.4236% | 1,113 |
| Loan and lease loss provision to assets | 0.0422% | 3,262 |
| Net operating income to assets | 0.6922% | 4,016 |
| Return on assets (ROA) | 0.6992% | 4,047 |
| Pretax return on assets | 0.9507% | 3,866 |
| Return on Equity (ROE) | 4.6273% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.6770% | 4,756 |
| Net charge-offs to loans | 0.1010% | 1,771 |
| Credit loss provision to net charge-offs | 69.2308% | 2,707 |
| Earnings coverage of net charge-offs (x) | 16.1239% | 2,181 |
| Efficiency ratio | 77.6831% | 1,369 |
| Assets per employee ($millions) | 3.2049% | 5,056 |
| Cash dividends to net income (ytd only)* | 63.7585% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,737 |
| Loan loss allowance to noncurrent loans | 72.7941% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 889 |
| Noncurrent loans to loans | 1.6907% | 1,071 |
| Net loans and leases to total assets | 60.5976% | 3,799 |
| Net loans and leases to deposits | 75.4719% | 3,426 |
| Net loans and leases to core deposits | 79.6636% | 3,474 |
| Total domestic deposits to total assets | 80.2915% | 4,259 |
| Equity capital to assets | 15.1586% | 699 |
| Core capital (leverage) ratio | 15.0614% | 653 |
| Tier 1 risk-based capital ratio | 23.0070% | 947 |
| Total risk-based capital ratio | 24.1803% | 940 |
| Memoranda: | ||
| Average total assets | $142,068,500 | 3,615 |
| Average earning assets | $126,280,500 | 3,672 |
| Average equity | $21,466,250 | 3,025 |
| Average total loans | $85,761,750 | 3,643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8576% | 765 |
| Cost of funding earning assets | 0.4372% | 2,729 |
| Net interest margin | 4.4203% | 676 |
| Noninterest income to average assets | 0.5136% | 2,940 |
| Noninterest expense to average assets | 3.4708% | 1,052 |
| Loan and lease loss provision to assets | 0.0424% | 3,150 |
| Net operating income to assets | 0.6775% | 3,948 |
| Return on assets (ROA) | 0.6891% | 3,958 |
| Pretax return on assets | 0.9353% | 3,808 |
| Return on Equity (ROE) | 4.5654% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.1125% | 5,048 |
| Net charge-offs to loans | 0.1273% | 1,400 |
| Credit loss provision to net charge-offs | 55.5556% | 2,497 |
| Earnings coverage of net charge-offs (x) | 12.5926% | 2,176 |
| Efficiency ratio | 78.2956% | 1,421 |
| Assets per employee ($millions) | 3.1652% | 5,132 |
| Cash dividends to net income (ytd only)* | 97.5359% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,699 |
| Loan loss allowance to noncurrent loans | 75.0693% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7173% | 823 |
| Noncurrent loans to loans | 1.6626% | 1,107 |
| Net loans and leases to total assets | 60.2178% | 3,825 |
| Net loans and leases to deposits | 72.8519% | 3,661 |
| Net loans and leases to core deposits | 76.8548% | 3,690 |
| Total domestic deposits to total assets | 82.6578% | 3,666 |
| Equity capital to assets | 15.1917% | 673 |
| Core capital (leverage) ratio | 14.9899% | 628 |
| Tier 1 risk-based capital ratio | 23.0544% | 947 |
| Total risk-based capital ratio | 24.2409% | 940 |
| Memoranda: | ||
| Average total assets | $141,350,670 | 3,642 |
| Average earning assets | $125,329,670 | 3,717 |
| Average equity | $21,334,330 | 3,042 |
| Average total loans | $84,854,330 | 3,681 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,003 |
| Cost of funding earning assets | 0.4359% | 2,658 |
| Net interest margin | 4.2279% | 930 |
| Noninterest income to average assets | 0.5113% | 2,904 |
| Noninterest expense to average assets | 3.4714% | 1,086 |
| Loan and lease loss provision to assets | 0.0426% | 2,948 |
| Net operating income to assets | 0.5643% | 4,312 |
| Return on assets (ROA) | 0.5880% | 4,251 |
| Pretax return on assets | 0.7755% | 4,201 |
| Return on Equity (ROE) | 3.9089% | 4,812 |
| Retained earnings to average equity (ytd only) | -5.0608% | 5,387 |
| Net charge-offs to loans | 0.1240% | 1,176 |
| Credit loss provision to net charge-offs | 57.6923% | 1,927 |
| Earnings coverage of net charge-offs (x) | 10.6538% | 1,925 |
| Efficiency ratio | 81.5210% | 1,203 |
| Assets per employee ($millions) | 3.3376% | 5,007 |
| Cash dividends to net income (ytd only)* | 229.4686% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,463 |
| Loan loss allowance to noncurrent loans | 43.1550% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 2.5857% | 440 |
| Noncurrent loans to loans | 3.0471% | 449 |
| Net loans and leases to total assets | 57.3628% | 4,032 |
| Net loans and leases to deposits | 68.4402% | 3,951 |
| Net loans and leases to core deposits | 72.1127% | 3,975 |
| Total domestic deposits to total assets | 83.8146% | 3,543 |
| Equity capital to assets | 14.7250% | 705 |
| Core capital (leverage) ratio | 14.8867% | 625 |
| Tier 1 risk-based capital ratio | 23.0718% | 966 |
| Total risk-based capital ratio | 24.2911% | 954 |
| Memoranda: | ||
| Average total assets | $140,809,500 | 3,682 |
| Average earning assets | $124,791,000 | 3,758 |
| Average equity | $21,182,500 | 3,069 |
| Average total loans | $83,854,500 | 3,721 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8410% | 814 |
| Cost of funding earning assets | 0.4638% | 2,409 |
| Net interest margin | 4.3771% | 810 |
| Noninterest income to average assets | 0.5246% | 3,063 |
| Noninterest expense to average assets | 3.3819% | 1,400 |
| Loan and lease loss provision to assets | 0.0324% | 3,703 |
| Net operating income to assets | 0.6651% | 3,926 |
| Return on assets (ROA) | 0.6651% | 4,045 |
| Pretax return on assets | 0.9116% | 3,804 |
| Return on Equity (ROE) | 4.3412% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.1071% | 4,338 |
| Net charge-offs to loans | 0.0991% | 2,289 |
| Credit loss provision to net charge-offs | 54.8780% | 3,320 |
| Earnings coverage of net charge-offs (x) | 15.9756% | 2,153 |
| Efficiency ratio | 78.1776% | 1,668 |
| Assets per employee ($millions) | 3.2117% | 5,138 |
| Cash dividends to net income (ytd only)* | 51.4626% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3146% | 2,466 |
| Loan loss allowance to noncurrent loans | 42.7799% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.7560% | 400 |
| Noncurrent loans to loans | 3.0729% | 437 |
| Net loans and leases to total assets | 60.2298% | 3,822 |
| Net loans and leases to deposits | 72.4396% | 3,664 |
| Net loans and leases to core deposits | 76.5489% | 3,702 |
| Total domestic deposits to total assets | 83.1449% | 3,723 |
| Equity capital to assets | 15.3743% | 586 |
| Core capital (leverage) ratio | 15.4094% | 540 |
| Tier 1 risk-based capital ratio | 23.4563% | 923 |
| Total risk-based capital ratio | 24.6930% | 911 |
| Memoranda: | ||
| Average total assets | $138,766,200 | 3,691 |
| Average earning assets | $120,513,400 | 3,820 |
| Average equity | $21,261,200 | 3,041 |
| Average total loans | $82,761,200 | 3,747 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 866 |
| Cost of funding earning assets | 0.4687% | 2,378 |
| Net interest margin | 4.3489% | 842 |
| Noninterest income to average assets | 0.5192% | 3,122 |
| Noninterest expense to average assets | 3.3838% | 1,373 |
| Loan and lease loss provision to assets | 0.0288% | 3,661 |
| Net operating income to assets | 0.6334% | 4,158 |
| Return on assets (ROA) | 0.6334% | 4,280 |
| Pretax return on assets | 0.8647% | 4,103 |
| Return on Equity (ROE) | 4.1375% | 4,855 |
| Retained earnings to average equity (ytd only) | 1.1597% | 5,042 |
| Net charge-offs to loans | 0.0599% | 2,493 |
| Credit loss provision to net charge-offs | 81.0811% | 2,649 |
| Earnings coverage of net charge-offs (x) | 25.1632% | 1,645 |
| Efficiency ratio | 79.1115% | 1,541 |
| Assets per employee ($millions) | 3.1828% | 5,204 |
| Cash dividends to net income (ytd only)* | 71.9698% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,388 |
| Loan loss allowance to noncurrent loans | 44.8249% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 2.6735% | 485 |
| Noncurrent loans to loans | 3.0340% | 484 |
| Net loans and leases to total assets | 60.3624% | 3,834 |
| Net loans and leases to deposits | 73.2006% | 3,674 |
| Net loans and leases to core deposits | 77.4253% | 3,712 |
| Total domestic deposits to total assets | 82.4616% | 3,793 |
| Equity capital to assets | 15.7928% | 585 |
| Core capital (leverage) ratio | 15.0270% | 626 |
| Tier 1 risk-based capital ratio | 23.8061% | 917 |
| Total risk-based capital ratio | 25.0617% | 902 |
| Memoranda: | ||
| Average total assets | $138,932,500 | 3,712 |
| Average earning assets | $120,057,500 | 3,847 |
| Average equity | $21,268,500 | 3,065 |
| Average total loans | $82,380,000 | 3,772 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7954% | 894 |
| Cost of funding earning assets | 0.4720% | 2,352 |
| Net interest margin | 4.3234% | 879 |
| Noninterest income to average assets | 0.3581% | 4,209 |
| Noninterest expense to average assets | 3.2631% | 1,662 |
| Loan and lease loss provision to assets | 0.0215% | 3,697 |
| Net operating income to assets | 0.5816% | 4,346 |
| Return on assets (ROA) | 0.5816% | 4,471 |
| Pretax return on assets | 0.7864% | 4,332 |
| Return on Equity (ROE) | 3.8386% | 4,975 |
| Retained earnings to average equity (ytd only) | -0.6524% | 5,388 |
| Net charge-offs to loans | 0.0513% | 2,470 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 26.8571% | 1,473 |
| Efficiency ratio | 80.1548% | 1,478 |
| Assets per employee ($millions) | 3.5013% | 4,748 |
| Cash dividends to net income (ytd only)* | 116.9951% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,428 |
| Loan loss allowance to noncurrent loans | 41.8750% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 2.6855% | 488 |
| Noncurrent loans to loans | 3.2739% | 424 |
| Net loans and leases to total assets | 58.5098% | 4,070 |
| Net loans and leases to deposits | 70.3355% | 3,954 |
| Net loans and leases to core deposits | 74.2520% | 3,962 |
| Total domestic deposits to total assets | 83.1867% | 3,577 |
| Equity capital to assets | 15.2096% | 689 |
| Core capital (leverage) ratio | 14.3880% | 730 |
| Tier 1 risk-based capital ratio | 23.2497% | 987 |
| Total risk-based capital ratio | 24.5069% | 965 |
| Memoranda: | ||
| Average total assets | $139,623,330 | 3,727 |
| Average earning assets | $119,906,670 | 3,881 |
| Average equity | $21,153,330 | 3,079 |
| Average total loans | $81,923,000 | 3,800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7626% | 919 |
| Cost of funding earning assets | 0.4749% | 2,330 |
| Net interest margin | 4.2876% | 950 |
| Noninterest income to average assets | 0.4275% | 3,634 |
| Noninterest expense to average assets | 3.2767% | 1,656 |
| Loan and lease loss provision to assets | 0.0430% | 3,059 |
| Net operating income to assets | 0.5796% | 4,272 |
| Return on assets (ROA) | 0.5796% | 4,387 |
| Pretax return on assets | 0.7862% | 4,245 |
| Return on Equity (ROE) | 3.8331% | 4,945 |
| Retained earnings to average equity (ytd only) | -5.1804% | 5,617 |
| Net charge-offs to loans | 0.0836% | 1,661 |
| Credit loss provision to net charge-offs | 88.2353% | 1,778 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,592 |
| Efficiency ratio | 79.8043% | 1,631 |
| Assets per employee ($millions) | 3.4682% | 4,858 |
| Cash dividends to net income (ytd only)* | 235.1485% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 2,441 |
| Loan loss allowance to noncurrent loans | 24.7351% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.9931% | 253 |
| Noncurrent loans to loans | 5.6478% | 158 |
| Net loans and leases to total assets | 56.7846% | 4,174 |
| Net loans and leases to deposits | 67.7866% | 4,083 |
| Net loans and leases to core deposits | 71.5237% | 4,099 |
| Total domestic deposits to total assets | 83.7697% | 3,609 |
| Equity capital to assets | 14.7774% | 748 |
| Core capital (leverage) ratio | 14.4791% | 703 |
| Tier 1 risk-based capital ratio | 23.1774% | 995 |
| Total risk-based capital ratio | 24.4349% | 983 |
| Memoranda: | ||
| Average total assets | $139,410,000 | 3,760 |
| Average earning assets | $119,599,500 | 3,917 |
| Average equity | $21,079,500 | 3,094 |
| Average total loans | $81,343,500 | 3,824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0064% | 622 |
| Cost of funding earning assets | 0.5084% | 2,088 |
| Net interest margin | 4.4981% | 656 |
| Noninterest income to average assets | 0.4522% | 3,647 |
| Noninterest expense to average assets | 3.2870% | 1,747 |
| Loan and lease loss provision to assets | 0.0443% | 3,443 |
| Net operating income to assets | 0.6882% | 3,874 |
| Return on assets (ROA) | 0.6882% | 3,974 |
| Pretax return on assets | 0.9523% | 3,643 |
| Return on Equity (ROE) | 4.4695% | 4,753 |
| Retained earnings to average equity (ytd only) | 2.7018% | 4,147 |
| Net charge-offs to loans | -0.0162% | 5,223 |
| Credit loss provision to net charge-offs | -461.5385% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7350% | 2,160 |
| Assets per employee ($millions) | 3.0361% | 5,491 |
| Cash dividends to net income (ytd only)* | 39.5498% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,332 |
| Loan loss allowance to noncurrent loans | 22.7652% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 4.4656% | 216 |
| Noncurrent loans to loans | 6.2304% | 131 |
| Net loans and leases to total assets | 58.2998% | 4,041 |
| Net loans and leases to deposits | 70.1431% | 3,909 |
| Net loans and leases to core deposits | 74.4110% | 3,899 |
| Total domestic deposits to total assets | 83.1156% | 3,803 |
| Equity capital to assets | 15.4776% | 601 |
| Core capital (leverage) ratio | 15.2574% | 574 |
| Tier 1 risk-based capital ratio | 24.1894% | 905 |
| Total risk-based capital ratio | 25.4494% | 884 |
| Memoranda: | ||
| Average total assets | $135,564,800 | 3,798 |
| Average earning assets | $115,471,600 | 3,973 |
| Average equity | $20,874,600 | 3,087 |
| Average total loans | $80,340,600 | 3,817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 624 |
| Cost of funding earning assets | 0.5151% | 2,082 |
| Net interest margin | 4.4830% | 675 |
| Noninterest income to average assets | 0.4592% | 3,648 |
| Noninterest expense to average assets | 3.2786% | 1,751 |
| Loan and lease loss provision to assets | 0.0443% | 3,326 |
| Net operating income to assets | 0.6898% | 3,947 |
| Return on assets (ROA) | 0.6898% | 4,062 |
| Pretax return on assets | 0.9529% | 3,811 |
| Return on Equity (ROE) | 4.4856% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.1210% | 4,824 |
| Net charge-offs to loans | -0.0166% | 5,139 |
| Credit loss provision to net charge-offs | -450.0000% | 5,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6767% | 2,132 |
| Assets per employee ($millions) | 3.0240% | 5,521 |
| Cash dividends to net income (ytd only)* | 52.7145% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 2,686 |
| Loan loss allowance to noncurrent loans | 28.1367% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 3.7736% | 323 |
| Noncurrent loans to loans | 4.9155% | 216 |
| Net loans and leases to total assets | 59.1058% | 3,998 |
| Net loans and leases to deposits | 72.0028% | 3,770 |
| Net loans and leases to core deposits | 76.4558% | 3,747 |
| Total domestic deposits to total assets | 82.0882% | 4,133 |
| Equity capital to assets | 15.5029% | 644 |
| Core capital (leverage) ratio | 15.0784% | 622 |
| Tier 1 risk-based capital ratio | 23.4223% | 1,010 |
| Total risk-based capital ratio | 24.6817% | 994 |
| Memoranda: | ||
| Average total assets | $135,300,250 | 3,839 |
| Average earning assets | $115,187,250 | 4,020 |
| Average equity | $20,806,750 | 3,118 |
| Average total loans | $80,226,500 | 3,849 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 592 |
| Cost of funding earning assets | 0.5186% | 2,080 |
| Net interest margin | 4.4838% | 661 |
| Noninterest income to average assets | 0.4858% | 3,464 |
| Noninterest expense to average assets | 3.2820% | 1,757 |
| Loan and lease loss provision to assets | 0.0444% | 3,223 |
| Net operating income to assets | 0.7198% | 3,794 |
| Return on assets (ROA) | 0.7198% | 3,912 |
| Pretax return on assets | 1.0012% | 3,585 |
| Return on Equity (ROE) | 4.6933% | 4,750 |
| Retained earnings to average equity (ytd only) | 1.1299% | 5,113 |
| Net charge-offs to loans | -0.2407% | 6,074 |
| Credit loss provision to net charge-offs | -31.2500% | 4,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8385% | 2,391 |
| Assets per employee ($millions) | 2.9091% | 5,701 |
| Cash dividends to net income (ytd only)* | 75.9259% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,241 |
| Loan loss allowance to noncurrent loans | 30.3445% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 4.2565% | 295 |
| Noncurrent loans to loans | 4.9833% | 229 |
| Net loans and leases to total assets | 58.3076% | 4,066 |
| Net loans and leases to deposits | 69.8563% | 3,951 |
| Net loans and leases to core deposits | 74.8990% | 3,867 |
| Total domestic deposits to total assets | 83.4678% | 3,772 |
| Equity capital to assets | 15.4822% | 609 |
| Core capital (leverage) ratio | 14.9781% | 618 |
| Tier 1 risk-based capital ratio | 23.6126% | 994 |
| Total risk-based capital ratio | 24.8734% | 979 |
| Memoranda: | ||
| Average total assets | $135,041,000 | 3,880 |
| Average earning assets | $115,705,330 | 4,037 |
| Average equity | $20,710,330 | 3,141 |
| Average total loans | $79,782,670 | 3,892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 576 |
| Cost of funding earning assets | 0.5135% | 2,169 |
| Net interest margin | 4.4777% | 629 |
| Noninterest income to average assets | 0.4836% | 3,398 |
| Noninterest expense to average assets | 3.2937% | 1,731 |
| Loan and lease loss provision to assets | 0.0442% | 3,037 |
| Net operating income to assets | 0.7195% | 3,700 |
| Return on assets (ROA) | 0.7195% | 3,829 |
| Pretax return on assets | 1.0026% | 3,491 |
| Return on Equity (ROE) | 4.7135% | 4,660 |
| Retained earnings to average equity (ytd only) | -2.4147% | 5,733 |
| Net charge-offs to loans | 0.1199% | 1,546 |
| Credit loss provision to net charge-offs | 62.5000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 14.7917% | 1,658 |
| Efficiency ratio | 75.8832% | 2,536 |
| Assets per employee ($millions) | 3.1228% | 5,518 |
| Cash dividends to net income (ytd only)* | 151.2295% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,302 |
| Loan loss allowance to noncurrent loans | 31.8359% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 3.7793% | 412 |
| Noncurrent loans to loans | 4.1484% | 404 |
| Net loans and leases to total assets | 57.8036% | 3,974 |
| Net loans and leases to deposits | 68.9914% | 3,857 |
| Net loans and leases to core deposits | 73.7828% | 3,801 |
| Total domestic deposits to total assets | 83.7837% | 3,898 |
| Equity capital to assets | 15.0700% | 704 |
| Core capital (leverage) ratio | 14.5060% | 691 |
| Tier 1 risk-based capital ratio | 23.9595% | 998 |
| Total risk-based capital ratio | 25.2094% | 985 |
| Memoranda: | ||
| Average total assets | $135,652,500 | 3,888 |
| Average earning assets | $116,845,000 | 4,045 |
| Average equity | $20,706,500 | 3,165 |
| Average total loans | $80,062,000 | 3,885 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 651 |
| Cost of funding earning assets | 0.6143% | 1,643 |
| Net interest margin | 4.4760% | 781 |
| Noninterest income to average assets | 0.5438% | 3,213 |
| Noninterest expense to average assets | 3.2980% | 1,933 |
| Loan and lease loss provision to assets | 0.0372% | 3,834 |
| Net operating income to assets | 0.7857% | 3,441 |
| Return on assets (ROA) | 0.7904% | 3,519 |
| Pretax return on assets | 1.1070% | 3,053 |
| Return on Equity (ROE) | 5.3314% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.0048% | 3,358 |
| Net charge-offs to loans | 0.5355% | 764 |
| Credit loss provision to net charge-offs | 11.9048% | 4,078 |
| Earnings coverage of net charge-offs (x) | 3.6357% | 3,841 |
| Efficiency ratio | 74.3534% | 2,776 |
| Assets per employee ($millions) | 3.1140% | 5,544 |
| Cash dividends to net income (ytd only)* | 24.8822% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 3,257 |
| Loan loss allowance to noncurrent loans | 29.6648% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.0583% | 409 |
| Noncurrent loans to loans | 4.4955% | 371 |
| Net loans and leases to total assets | 58.6811% | 3,966 |
| Net loans and leases to deposits | 70.7129% | 3,812 |
| Net loans and leases to core deposits | 78.2594% | 3,489 |
| Total domestic deposits to total assets | 82.9851% | 4,081 |
| Equity capital to assets | 15.4638% | 615 |
| Core capital (leverage) ratio | 14.9051% | 626 |
| Tier 1 risk-based capital ratio | 24.7874% | 856 |
| Total risk-based capital ratio | 26.0383% | 840 |
| Memoranda: | ||
| Average total assets | $134,234,000 | 3,901 |
| Average earning assets | $116,711,200 | 4,032 |
| Average equity | $19,901,000 | 3,171 |
| Average total loans | $78,433,400 | 3,923 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 669 |
| Cost of funding earning assets | 0.6287% | 1,607 |
| Net interest margin | 4.4548% | 811 |
| Noninterest income to average assets | 0.5450% | 3,232 |
| Noninterest expense to average assets | 3.3145% | 1,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7859% | 3,484 |
| Return on assets (ROA) | 0.7902% | 3,572 |
| Pretax return on assets | 1.1048% | 3,164 |
| Return on Equity (ROE) | 5.3874% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.6007% | 4,087 |
| Net charge-offs to loans | 0.6365% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.9678% | 3,781 |
| Efficiency ratio | 75.1012% | 2,648 |
| Assets per employee ($millions) | 3.0947% | 5,603 |
| Cash dividends to net income (ytd only)* | 33.1656% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,449 |
| Loan loss allowance to noncurrent loans | 30.1452% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 3.9910% | 499 |
| Noncurrent loans to loans | 4.4448% | 447 |
| Net loans and leases to total assets | 58.5979% | 3,989 |
| Net loans and leases to deposits | 70.3303% | 3,884 |
| Net loans and leases to core deposits | 76.1898% | 3,719 |
| Total domestic deposits to total assets | 83.3182% | 4,021 |
| Equity capital to assets | 15.1646% | 704 |
| Core capital (leverage) ratio | 14.7221% | 669 |
| Tier 1 risk-based capital ratio | 24.3699% | 945 |
| Total risk-based capital ratio | 25.6181% | 926 |
| Memoranda: | ||
| Average total assets | $134,317,500 | 3,933 |
| Average earning assets | $116,635,750 | 4,071 |
| Average equity | $19,699,750 | 3,199 |
| Average total loans | $78,132,750 | 3,958 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0613% | 667 |
| Cost of funding earning assets | 0.6395% | 1,592 |
| Net interest margin | 4.4218% | 815 |
| Noninterest income to average assets | 0.5359% | 3,233 |
| Noninterest expense to average assets | 3.3548% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7313% | 3,671 |
| Return on assets (ROA) | 0.7378% | 3,724 |
| Pretax return on assets | 1.0183% | 3,404 |
| Return on Equity (ROE) | 5.0871% | 4,633 |
| Retained earnings to average equity (ytd only) | 2.3849% | 4,690 |
| Net charge-offs to loans | 0.8300% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.1053% | 3,636 |
| Efficiency ratio | 76.8707% | 2,474 |
| Assets per employee ($millions) | 3.1238% | 5,557 |
| Cash dividends to net income (ytd only)* | 53.1187% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 3,263 |
| Loan loss allowance to noncurrent loans | 31.1342% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 4.0923% | 511 |
| Noncurrent loans to loans | 4.5493% | 479 |
| Net loans and leases to total assets | 57.4648% | 4,057 |
| Net loans and leases to deposits | 68.5497% | 3,989 |
| Net loans and leases to core deposits | 74.5932% | 3,773 |
| Total domestic deposits to total assets | 83.8294% | 3,981 |
| Equity capital to assets | 14.7866% | 753 |
| Core capital (leverage) ratio | 14.2149% | 770 |
| Tier 1 risk-based capital ratio | 24.0441% | 978 |
| Total risk-based capital ratio | 25.2953% | 959 |
| Memoranda: | ||
| Average total assets | $134,732,330 | 3,948 |
| Average earning assets | $116,650,000 | 4,095 |
| Average equity | $19,539,670 | 3,223 |
| Average total loans | $77,831,330 | 3,977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 583 |
| Cost of funding earning assets | 0.6395% | 1,653 |
| Net interest margin | 4.4730% | 693 |
| Noninterest income to average assets | 0.5336% | 3,164 |
| Noninterest expense to average assets | 3.3586% | 1,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7605% | 3,353 |
| Return on assets (ROA) | 0.7648% | 3,418 |
| Pretax return on assets | 1.0583% | 3,092 |
| Return on Equity (ROE) | 5.3255% | 4,375 |
| Retained earnings to average equity (ytd only) | -0.1238% | 5,577 |
| Net charge-offs to loans | 1.0103% | 331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.8112% | 3,016 |
| Efficiency ratio | 76.1425% | 2,775 |
| Assets per employee ($millions) | 3.2339% | 5,484 |
| Cash dividends to net income (ytd only)* | 102.3256% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,681 |
| Loan loss allowance to noncurrent loans | 28.8853% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 4.6192% | 468 |
| Noncurrent loans to loans | 5.5560% | 355 |
| Net loans and leases to total assets | 55.7928% | 4,166 |
| Net loans and leases to deposits | 66.0916% | 4,083 |
| Net loans and leases to core deposits | 71.8485% | 3,886 |
| Total domestic deposits to total assets | 84.4173% | 4,117 |
| Equity capital to assets | 14.3222% | 823 |
| Core capital (leverage) ratio | 13.8906% | 854 |
| Tier 1 risk-based capital ratio | 23.4864% | 1,076 |
| Total risk-based capital ratio | 24.7350% | 1,057 |
| Memoranda: | ||
| Average total assets | $134,936,500 | 3,978 |
| Average earning assets | $116,969,500 | 4,116 |
| Average equity | $19,378,500 | 3,242 |
| Average total loans | $77,598,000 | 4,011 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1200% | 743 |
| Cost of funding earning assets | 0.8075% | 1,176 |
| Net interest margin | 4.3125% | 1,077 |
| Noninterest income to average assets | 0.6242% | 2,951 |
| Noninterest expense to average assets | 3.5564% | 1,541 |
| Loan and lease loss provision to assets | 0.0636% | 3,860 |
| Net operating income to assets | 0.6071% | 4,233 |
| Return on assets (ROA) | 0.6083% | 4,344 |
| Pretax return on assets | 0.7833% | 4,208 |
| Return on Equity (ROE) | 4.4799% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.4799% | 2,988 |
| Net charge-offs to loans | 0.6983% | 924 |
| Credit loss provision to net charge-offs | 16.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | 2.1255% | 4,322 |
| Efficiency ratio | 80.7920% | 2,045 |
| Assets per employee ($millions) | 3.1916% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8317% | 1,965 |
| Loan loss allowance to noncurrent loans | 29.0880% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 5.1101% | 456 |
| Noncurrent loans to loans | 6.2970% | 302 |
| Net loans and leases to total assets | 57.2537% | 4,156 |
| Net loans and leases to deposits | 67.7352% | 4,091 |
| Net loans and leases to core deposits | 73.6962% | 3,869 |
| Total domestic deposits to total assets | 84.5258% | 3,954 |
| Equity capital to assets | 14.4007% | 803 |
| Core capital (leverage) ratio | 13.5398% | 942 |
| Tier 1 risk-based capital ratio | 23.3882% | 1,038 |
| Total risk-based capital ratio | 24.6454% | 1,014 |
| Memoranda: | ||
| Average total assets | $138,259,200 | 3,914 |
| Average earning assets | $121,112,200 | 4,028 |
| Average equity | $18,772,600 | 3,303 |
| Average total loans | $78,766,000 | 3,977 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1217% | 741 |
| Cost of funding earning assets | 0.8250% | 1,190 |
| Net interest margin | 4.2968% | 1,103 |
| Noninterest income to average assets | 0.6297% | 2,996 |
| Noninterest expense to average assets | 3.5689% | 1,460 |
| Loan and lease loss provision to assets | 0.0842% | 3,374 |
| Net operating income to assets | 0.5622% | 4,516 |
| Return on assets (ROA) | 0.5637% | 4,661 |
| Pretax return on assets | 0.7321% | 4,570 |
| Return on Equity (ROE) | 4.2131% | 5,124 |
| Retained earnings to average equity (ytd only) | 4.2131% | 3,687 |
| Net charge-offs to loans | 0.6285% | 981 |
| Credit loss provision to net charge-offs | 23.6559% | 4,004 |
| Earnings coverage of net charge-offs (x) | 2.2876% | 4,079 |
| Efficiency ratio | 81.4192% | 1,912 |
| Assets per employee ($millions) | 3.3214% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 1,497 |
| Loan loss allowance to noncurrent loans | 32.3488% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.0997% | 536 |
| Noncurrent loans to loans | 6.5019% | 351 |
| Net loans and leases to total assets | 53.7190% | 4,655 |
| Net loans and leases to deposits | 66.0814% | 4,303 |
| Net loans and leases to core deposits | 72.3414% | 4,053 |
| Total domestic deposits to total assets | 81.2922% | 5,142 |
| Equity capital to assets | 13.2676% | 1,212 |
| Core capital (leverage) ratio | 12.8738% | 1,256 |
| Tier 1 risk-based capital ratio | 22.3048% | 1,261 |
| Total risk-based capital ratio | 23.5648% | 1,236 |
| Memoranda: | ||
| Average total assets | $139,311,750 | 3,928 |
| Average earning assets | $121,700,500 | 4,057 |
| Average equity | $18,639,750 | 3,355 |
| Average total loans | $78,912,500 | 4,008 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 790 |
| Cost of funding earning assets | 0.8347% | 1,237 |
| Net interest margin | 4.2536% | 1,133 |
| Noninterest income to average assets | 0.6334% | 3,002 |
| Noninterest expense to average assets | 3.4585% | 1,701 |
| Loan and lease loss provision to assets | 0.2873% | 1,268 |
| Net operating income to assets | 0.5032% | 4,782 |
| Return on assets (ROA) | 0.5056% | 4,940 |
| Pretax return on assets | 0.6162% | 4,965 |
| Return on Equity (ROE) | 3.7680% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.7680% | 3,901 |
| Net charge-offs to loans | 0.8381% | 745 |
| Credit loss provision to net charge-offs | 59.8802% | 3,020 |
| Earnings coverage of net charge-offs (x) | 1.8772% | 3,898 |
| Efficiency ratio | 79.3410% | 2,253 |
| Assets per employee ($millions) | 3.2792% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2990% | 1,265 |
| Loan loss allowance to noncurrent loans | 28.3231% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 6.3343% | 412 |
| Noncurrent loans to loans | 8.1171% | 247 |
| Net loans and leases to total assets | 54.3064% | 4,544 |
| Net loans and leases to deposits | 66.7982% | 4,173 |
| Net loans and leases to core deposits | 73.3828% | 3,885 |
| Total domestic deposits to total assets | 81.2991% | 5,265 |
| Equity capital to assets | 13.3040% | 1,220 |
| Core capital (leverage) ratio | 12.3784% | 1,419 |
| Tier 1 risk-based capital ratio | 21.8786% | 1,307 |
| Total risk-based capital ratio | 23.1409% | 1,283 |
| Memoranda: | ||
| Average total assets | $139,249,670 | 3,965 |
| Average earning assets | $121,966,670 | 4,082 |
| Average equity | $18,683,670 | 3,372 |
| Average total loans | $79,701,000 | 3,988 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 748 |
| Cost of funding earning assets | 0.8376% | 1,324 |
| Net interest margin | 4.2565% | 1,057 |
| Noninterest income to average assets | 0.3228% | 5,118 |
| Noninterest expense to average assets | 3.1797% | 2,418 |
| Loan and lease loss provision to assets | 0.2857% | 1,235 |
| Net operating income to assets | 0.4612% | 4,866 |
| Return on assets (ROA) | 0.4657% | 5,008 |
| Pretax return on assets | 0.5942% | 4,967 |
| Return on Equity (ROE) | 3.4563% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.4563% | 4,177 |
| Net charge-offs to loans | 0.3347% | 1,637 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,538 |
| Efficiency ratio | 78.4355% | 2,547 |
| Assets per employee ($millions) | 3.3705% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3735% | 1,290 |
| Loan loss allowance to noncurrent loans | 26.8096% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 7.0866% | 393 |
| Noncurrent loans to loans | 8.8532% | 274 |
| Net loans and leases to total assets | 55.9613% | 4,082 |
| Net loans and leases to deposits | 68.5977% | 3,692 |
| Net loans and leases to core deposits | 75.0147% | 3,467 |
| Total domestic deposits to total assets | 81.5791% | 5,330 |
| Equity capital to assets | 13.3440% | 1,275 |
| Core capital (leverage) ratio | 12.6515% | 1,275 |
| Tier 1 risk-based capital ratio | 21.2920% | 1,469 |
| Total risk-based capital ratio | 22.5559% | 1,443 |
| Memoranda: | ||
| Average total assets | $140,011,500 | 3,985 |
| Average earning assets | $122,729,500 | 4,100 |
| Average equity | $18,864,000 | 3,394 |
| Average total loans | $81,274,500 | 3,981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 816 |
| Cost of funding earning assets | 0.9358% | 1,730 |
| Net interest margin | 4.4218% | 1,112 |
| Noninterest income to average assets | 0.5956% | 3,303 |
| Noninterest expense to average assets | 3.6543% | 1,496 |
| Loan and lease loss provision to assets | 1.5315% | 207 |
| Net operating income to assets | -0.3451% | 6,478 |
| Return on assets (ROA) | -0.3447% | 6,526 |
| Pretax return on assets | -0.7326% | 6,659 |
| Return on Equity (ROE) | -2.4780% | 6,480 |
| Retained earnings to average equity (ytd only) | -4.3909% | 6,393 |
| Net charge-offs to loans | 4.1713% | 60 |
| Credit loss provision to net charge-offs | 61.1399% | 4,415 |
| Earnings coverage of net charge-offs (x) | 0.3187% | 5,318 |
| Efficiency ratio | 82.0729% | 1,856 |
| Assets per employee ($millions) | 3.2967% | 5,424 |
| Cash dividends to net income (ytd only)* | -77.1967% | 7,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3267% | 1,334 |
| Loan loss allowance to noncurrent loans | 25.1427% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 7.5090% | 398 |
| Noncurrent loans to loans | 9.2540% | 273 |
| Net loans and leases to total assets | 57.4234% | 4,061 |
| Net loans and leases to deposits | 70.7734% | 3,594 |
| Net loans and leases to core deposits | 78.4832% | 3,199 |
| Total domestic deposits to total assets | 81.1369% | 5,362 |
| Equity capital to assets | 13.6053% | 1,191 |
| Core capital (leverage) ratio | 12.6833% | 1,243 |
| Tier 1 risk-based capital ratio | 21.0688% | 1,443 |
| Total risk-based capital ratio | 22.3423% | 1,410 |
| Memoranda: | ||
| Average total assets | $138,685,800 | 3,971 |
| Average earning assets | $120,967,800 | 4,092 |
| Average equity | $19,290,000 | 3,291 |
| Average total loans | $83,283,800 | 3,928 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 833 |
| Cost of funding earning assets | 0.9472% | 1,867 |
| Net interest margin | 4.4574% | 1,080 |
| Noninterest income to average assets | 0.5977% | 3,289 |
| Noninterest expense to average assets | 3.7815% | 1,242 |
| Loan and lease loss provision to assets | 1.8240% | 155 |
| Net operating income to assets | -0.5782% | 6,730 |
| Return on assets (ROA) | -0.5776% | 6,757 |
| Pretax return on assets | -1.1176% | 6,894 |
| Return on Equity (ROE) | -4.1298% | 6,682 |
| Retained earnings to average equity (ytd only) | -6.6655% | 6,704 |
| Net charge-offs to loans | 4.2886% | 68 |
| Credit loss provision to net charge-offs | 70.4529% | 3,889 |
| Earnings coverage of net charge-offs (x) | 0.2725% | 5,192 |
| Efficiency ratio | 84.2793% | 1,555 |
| Assets per employee ($millions) | 3.2875% | 5,463 |
| Cash dividends to net income (ytd only)* | -61.3982% | 7,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9527% | 760 |
| Loan loss allowance to noncurrent loans | 29.0771% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 8.4084% | 348 |
| Noncurrent loans to loans | 10.1548% | 240 |
| Net loans and leases to total assets | 58.2711% | 4,090 |
| Net loans and leases to deposits | 71.7871% | 3,644 |
| Net loans and leases to core deposits | 78.0231% | 3,455 |
| Total domestic deposits to total assets | 81.1721% | 5,306 |
| Equity capital to assets | 13.8314% | 1,222 |
| Core capital (leverage) ratio | 12.7793% | 1,284 |
| Tier 1 risk-based capital ratio | 20.9092% | 1,545 |
| Total risk-based capital ratio | 22.1802% | 1,507 |
| Memoranda: | ||
| Average total assets | $138,742,000 | 4,010 |
| Average earning assets | $121,055,000 | 4,130 |
| Average equity | $19,403,000 | 3,304 |
| Average total loans | $83,754,000 | 3,961 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2880% | 1,081 |
| Cost of funding earning assets | 0.9516% | 2,054 |
| Net interest margin | 4.3364% | 1,377 |
| Noninterest income to average assets | 0.5757% | 3,409 |
| Noninterest expense to average assets | 3.8211% | 1,181 |
| Loan and lease loss provision to assets | 2.2812% | 101 |
| Net operating income to assets | -1.0026% | 6,909 |
| Return on assets (ROA) | -1.0017% | 6,928 |
| Pretax return on assets | -1.7343% | 7,039 |
| Return on Equity (ROE) | -7.1368% | 6,836 |
| Retained earnings to average equity (ytd only) | -10.9205% | 6,857 |
| Net charge-offs to loans | 1.8540% | 475 |
| Credit loss provision to net charge-offs | 203.4660% | 1,402 |
| Earnings coverage of net charge-offs (x) | 0.4865% | 4,832 |
| Efficiency ratio | 87.5082% | 1,280 |
| Assets per employee ($millions) | 3.3533% | 5,321 |
| Cash dividends to net income (ytd only)* | -53.0172% | 7,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8329% | 187 |
| Loan loss allowance to noncurrent loans | 37.6779% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 10.0774% | 258 |
| Noncurrent loans to loans | 12.8268% | 147 |
| Net loans and leases to total assets | 58.0066% | 4,158 |
| Net loans and leases to deposits | 71.3068% | 3,722 |
| Net loans and leases to core deposits | 77.0638% | 3,646 |
| Total domestic deposits to total assets | 81.3479% | 5,349 |
| Equity capital to assets | 13.7469% | 1,196 |
| Core capital (leverage) ratio | 12.6033% | 1,308 |
| Tier 1 risk-based capital ratio | 20.6886% | 1,532 |
| Total risk-based capital ratio | 21.9829% | 1,505 |
| Memoranda: | ||
| Average total assets | $138,963,670 | 4,034 |
| Average earning assets | $121,482,670 | 4,139 |
| Average equity | $19,504,670 | 3,283 |
| Average total loans | $84,036,330 | 3,976 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2377% | 1,237 |
| Cost of funding earning assets | 0.9622% | 2,218 |
| Net interest margin | 4.2755% | 1,542 |
| Noninterest income to average assets | 0.5641% | 3,464 |
| Noninterest expense to average assets | 3.0808% | 2,982 |
| Loan and lease loss provision to assets | 0.6442% | 849 |
| Net operating income to assets | 0.4558% | 5,010 |
| Return on assets (ROA) | 0.4581% | 5,198 |
| Pretax return on assets | 0.5698% | 5,216 |
| Return on Equity (ROE) | 3.2312% | 5,624 |
| Retained earnings to average equity (ytd only) | -4.2409% | 6,524 |
| Net charge-offs to loans | 1.6256% | 604 |
| Credit loss provision to net charge-offs | 65.7895% | 3,001 |
| Earnings coverage of net charge-offs (x) | 1.2368% | 3,718 |
| Efficiency ratio | 71.7812% | 3,483 |
| Assets per employee ($millions) | 3.4240% | 5,288 |
| Cash dividends to net income (ytd only)* | 231.2500% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7738% | 440 |
| Loan loss allowance to noncurrent loans | 28.3860% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 10.1814% | 285 |
| Noncurrent loans to loans | 13.2946% | 159 |
| Net loans and leases to total assets | 56.7971% | 4,245 |
| Net loans and leases to deposits | 69.9587% | 3,742 |
| Net loans and leases to core deposits | 74.5352% | 3,831 |
| Total domestic deposits to total assets | 81.1866% | 5,550 |
| Equity capital to assets | 14.0329% | 1,019 |
| Core capital (leverage) ratio | 14.1979% | 751 |
| Tier 1 risk-based capital ratio | 23.6998% | 1,041 |
| Total risk-based capital ratio | 24.9736% | 1,023 |
| Memoranda: | ||
| Average total assets | $139,702,500 | 4,039 |
| Average earning assets | $121,810,000 | 4,158 |
| Average equity | $19,807,000 | 3,248 |
| Average total loans | $84,154,000 | 4,003 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 1,495 |
| Cost of funding earning assets | 1.2104% | 1,962 |
| Net interest margin | 4.1605% | 2,194 |
| Noninterest income to average assets | 0.5923% | 3,208 |
| Noninterest expense to average assets | 3.2681% | 2,625 |
| Loan and lease loss provision to assets | 1.1679% | 764 |
| Net operating income to assets | 0.0878% | 5,893 |
| Return on assets (ROA) | 0.0883% | 6,006 |
| Pretax return on assets | -0.1393% | 6,235 |
| Return on Equity (ROE) | 0.6032% | 6,037 |
| Retained earnings to average equity (ytd only) | -1.4657% | 6,086 |
| Net charge-offs to loans | 1.1269% | 1,518 |
| Credit loss provision to net charge-offs | 161.7172% | 1,706 |
| Earnings coverage of net charge-offs (x) | 1.4232% | 4,702 |
| Efficiency ratio | 76.0740% | 2,879 |
| Assets per employee ($millions) | 3.3908% | 5,270 |
| Cash dividends to net income (ytd only)* | 342.9752% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7965% | 435 |
| Loan loss allowance to noncurrent loans | 23.9480% | 6,480 |
| Noncurrent assets plus other real estate owned to assets | 10.3402% | 305 |
| Noncurrent loans to loans | 15.8531% | 116 |
| Net loans and leases to total assets | 59.1299% | 4,172 |
| Net loans and leases to deposits | 73.0947% | 3,647 |
| Net loans and leases to core deposits | 77.1671% | 3,799 |
| Total domestic deposits to total assets | 80.8950% | 5,482 |
| Equity capital to assets | 14.3245% | 958 |
| Core capital (leverage) ratio | 14.5973% | 692 |
| Tier 1 risk-based capital ratio | 24.3976% | 935 |
| Total risk-based capital ratio | 25.6805% | 918 |
| Memoranda: | ||
| Average total assets | $137,084,800 | 4,029 |
| Average earning assets | $122,029,800 | 4,091 |
| Average equity | $20,058,800 | 3,135 |
| Average total loans | $87,853,200 | 3,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3806% | 1,569 |
| Cost of funding earning assets | 1.2686% | 1,875 |
| Net interest margin | 4.1120% | 2,426 |
| Noninterest income to average assets | 0.5954% | 3,198 |
| Noninterest expense to average assets | 3.1000% | 3,160 |
| Loan and lease loss provision to assets | 0.7418% | 1,287 |
| Net operating income to assets | 0.4021% | 4,991 |
| Return on assets (ROA) | 0.4021% | 5,175 |
| Pretax return on assets | 0.4236% | 5,391 |
| Return on Equity (ROE) | 2.7336% | 5,528 |
| Retained earnings to average equity (ytd only) | -0.0199% | 5,958 |
| Net charge-offs to loans | 1.0250% | 1,563 |
| Credit loss provision to net charge-offs | 111.7647% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.7559% | 4,337 |
| Efficiency ratio | 72.6773% | 3,426 |
| Assets per employee ($millions) | 3.5280% | 4,928 |
| Cash dividends to net income (ytd only)* | 100.7282% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1153% | 788 |
| Loan loss allowance to noncurrent loans | 20.6815% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 10.5311% | 327 |
| Noncurrent loans to loans | 15.0631% | 137 |
| Net loans and leases to total assets | 61.3214% | 3,879 |
| Net loans and leases to deposits | 76.6096% | 3,226 |
| Net loans and leases to core deposits | 81.1983% | 3,453 |
| Total domestic deposits to total assets | 80.0440% | 5,721 |
| Equity capital to assets | 14.8336% | 894 |
| Core capital (leverage) ratio | 14.6930% | 728 |
| Tier 1 risk-based capital ratio | 23.7056% | 1,047 |
| Total risk-based capital ratio | 24.9693% | 1,029 |
| Memoranda: | ||
| Average total assets | $136,600,750 | 4,066 |
| Average earning assets | $121,916,500 | 4,113 |
| Average equity | $20,095,000 | 3,127 |
| Average total loans | $88,454,750 | 3,939 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 1,762 |
| Cost of funding earning assets | 1.3340% | 1,734 |
| Net interest margin | 4.0020% | 2,825 |
| Noninterest income to average assets | 0.5841% | 3,237 |
| Noninterest expense to average assets | 3.0953% | 3,277 |
| Loan and lease loss provision to assets | 0.6751% | 1,427 |
| Net operating income to assets | 0.3699% | 5,085 |
| Return on assets (ROA) | 0.3699% | 5,226 |
| Pretax return on assets | 0.3845% | 5,440 |
| Return on Equity (ROE) | 2.5213% | 5,598 |
| Retained earnings to average equity (ytd only) | -1.6308% | 6,183 |
| Net charge-offs to loans | 1.2170% | 1,286 |
| Credit loss provision to net charge-offs | 85.0277% | 3,617 |
| Earnings coverage of net charge-offs (x) | 1.3346% | 4,288 |
| Efficiency ratio | 74.4966% | 3,273 |
| Assets per employee ($millions) | 3.4607% | 5,050 |
| Cash dividends to net income (ytd only)* | 164.6825% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9431% | 942 |
| Loan loss allowance to noncurrent loans | 21.1609% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 9.7012% | 414 |
| Noncurrent loans to loans | 13.9083% | 165 |
| Net loans and leases to total assets | 60.7971% | 4,128 |
| Net loans and leases to deposits | 75.5413% | 3,553 |
| Net loans and leases to core deposits | 79.7776% | 3,811 |
| Total domestic deposits to total assets | 80.4820% | 5,682 |
| Equity capital to assets | 14.5312% | 932 |
| Core capital (leverage) ratio | 14.5696% | 751 |
| Tier 1 risk-based capital ratio | 23.7832% | 1,025 |
| Total risk-based capital ratio | 25.0659% | 1,014 |
| Memoranda: | ||
| Average total assets | $136,270,000 | 4,099 |
| Average earning assets | $121,590,000 | 4,156 |
| Average equity | $19,990,000 | 3,127 |
| Average total loans | $88,910,670 | 3,967 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 1,593 |
| Cost of funding earning assets | 1.4032% | 1,595 |
| Net interest margin | 3.9872% | 2,736 |
| Noninterest income to average assets | 0.5799% | 3,314 |
| Noninterest expense to average assets | 3.1333% | 3,128 |
| Loan and lease loss provision to assets | 0.5178% | 1,677 |
| Net operating income to assets | 0.4468% | 4,739 |
| Return on assets (ROA) | 0.4468% | 4,820 |
| Pretax return on assets | 0.4852% | 5,069 |
| Return on Equity (ROE) | 3.0310% | 5,348 |
| Retained earnings to average equity (ytd only) | -5.2992% | 6,543 |
| Net charge-offs to loans | 2.3331% | 515 |
| Credit loss provision to net charge-offs | 33.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | 0.6457% | 4,142 |
| Efficiency ratio | 75.7511% | 3,195 |
| Assets per employee ($millions) | 3.3445% | 5,378 |
| Cash dividends to net income (ytd only)* | 274.8344% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5414% | 1,402 |
| Loan loss allowance to noncurrent loans | 18.6840% | 6,808 |
| Noncurrent assets plus other real estate owned to assets | 9.8356% | 426 |
| Noncurrent loans to loans | 13.6018% | 201 |
| Net loans and leases to total assets | 63.8476% | 3,461 |
| Net loans and leases to deposits | 78.9146% | 2,909 |
| Net loans and leases to core deposits | 83.3517% | 3,247 |
| Total domestic deposits to total assets | 80.9072% | 5,691 |
| Equity capital to assets | 14.4452% | 896 |
| Core capital (leverage) ratio | 14.6925% | 708 |
| Tier 1 risk-based capital ratio | 23.0162% | 1,079 |
| Total risk-based capital ratio | 24.2834% | 1,063 |
| Memoranda: | ||
| Average total assets | $135,192,000 | 4,150 |
| Average earning assets | $120,584,500 | 4,205 |
| Average equity | $19,927,500 | 3,127 |
| Average total loans | $90,010,500 | 3,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6726% | 1,673 |
| Cost of funding earning assets | 1.5753% | 2,213 |
| Net interest margin | 4.0973% | 2,575 |
| Noninterest income to average assets | 0.6000% | 3,478 |
| Noninterest expense to average assets | 3.1063% | 3,430 |
| Loan and lease loss provision to assets | 0.9427% | 1,735 |
| Net operating income to assets | 0.2641% | 5,059 |
| Return on assets (ROA) | 0.3240% | 5,015 |
| Pretax return on assets | 0.2731% | 5,306 |
| Return on Equity (ROE) | 2.1451% | 5,332 |
| Retained earnings to average equity (ytd only) | -0.4706% | 5,703 |
| Net charge-offs to loans | 0.2290% | 4,911 |
| Credit loss provision to net charge-offs | 614.6341% | 348 |
| Earnings coverage of net charge-offs (x) | 7.5366% | 2,117 |
| Efficiency ratio | 72.8805% | 3,619 |
| Assets per employee ($millions) | 3.3315% | 5,355 |
| Cash dividends to net income (ytd only)* | 121.9400% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9195% | 933 |
| Loan loss allowance to noncurrent loans | 22.1186% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 9.8950% | 420 |
| Noncurrent loans to loans | 13.1992% | 226 |
| Net loans and leases to total assets | 65.7021% | 3,522 |
| Net loans and leases to deposits | 81.9479% | 2,819 |
| Net loans and leases to core deposits | 86.5038% | 3,253 |
| Total domestic deposits to total assets | 80.1754% | 5,783 |
| Equity capital to assets | 15.0436% | 777 |
| Core capital (leverage) ratio | 15.1632% | 636 |
| Tier 1 risk-based capital ratio | 22.7285% | 1,074 |
| Total risk-based capital ratio | 23.9995% | 1,049 |
| Memoranda: | ||
| Average total assets | $133,662,000 | 4,187 |
| Average earning assets | $119,469,000 | 4,244 |
| Average equity | $20,186,000 | 3,123 |
| Average total loans | $89,533,600 | 4,064 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7501% | 1,548 |
| Cost of funding earning assets | 1.6080% | 2,342 |
| Net interest margin | 4.1421% | 2,441 |
| Noninterest income to average assets | 0.6160% | 3,346 |
| Noninterest expense to average assets | 3.0820% | 3,415 |
| Loan and lease loss provision to assets | 0.8821% | 1,726 |
| Net operating income to assets | 0.3495% | 4,976 |
| Return on assets (ROA) | 0.4276% | 4,815 |
| Pretax return on assets | 0.4366% | 5,125 |
| Return on Equity (ROE) | 2.8287% | 5,291 |
| Retained earnings to average equity (ytd only) | -0.6528% | 5,958 |
| Net charge-offs to loans | 0.2074% | 4,701 |
| Credit loss provision to net charge-offs | 636.6906% | 463 |
| Earnings coverage of net charge-offs (x) | 8.9424% | 2,089 |
| Efficiency ratio | 71.3264% | 3,831 |
| Assets per employee ($millions) | 3.2322% | 5,607 |
| Cash dividends to net income (ytd only)* | 123.0756% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5722% | 1,243 |
| Loan loss allowance to noncurrent loans | 21.1062% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 9.2666% | 469 |
| Noncurrent loans to loans | 12.1869% | 277 |
| Net loans and leases to total assets | 66.4259% | 3,590 |
| Net loans and leases to deposits | 83.2281% | 2,858 |
| Net loans and leases to core deposits | 87.8943% | 3,384 |
| Total domestic deposits to total assets | 79.8120% | 5,768 |
| Equity capital to assets | 15.3125% | 820 |
| Core capital (leverage) ratio | 15.2384% | 671 |
| Tier 1 risk-based capital ratio | 23.4934% | 1,003 |
| Total risk-based capital ratio | 24.7587% | 976 |
| Memoranda: | ||
| Average total assets | $133,762,750 | 4,233 |
| Average earning assets | $119,646,500 | 4,292 |
| Average equity | $20,220,750 | 3,162 |
| Average total loans | $89,370,250 | 4,136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8048% | 1,414 |
| Cost of funding earning assets | 1.6552% | 2,360 |
| Net interest margin | 4.1496% | 2,338 |
| Noninterest income to average assets | 0.5962% | 3,362 |
| Noninterest expense to average assets | 3.1034% | 3,304 |
| Loan and lease loss provision to assets | 0.7453% | 1,942 |
| Net operating income to assets | 0.4415% | 4,579 |
| Return on assets (ROA) | 0.4487% | 4,710 |
| Pretax return on assets | 0.4695% | 5,004 |
| Return on Equity (ROE) | 2.9806% | 5,239 |
| Retained earnings to average equity (ytd only) | -2.2479% | 6,184 |
| Net charge-offs to loans | -0.0876% | 7,535 |
| Credit loss provision to net charge-offs | -1,282.0513% | 6,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9917% | 3,815 |
| Assets per employee ($millions) | 3.3596% | 5,289 |
| Cash dividends to net income (ytd only)* | 175.4153% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3624% | 1,486 |
| Loan loss allowance to noncurrent loans | 22.2631% | 6,829 |
| Noncurrent assets plus other real estate owned to assets | 8.0202% | 612 |
| Noncurrent loans to loans | 10.6112% | 396 |
| Net loans and leases to total assets | 65.1085% | 4,017 |
| Net loans and leases to deposits | 81.3818% | 3,365 |
| Net loans and leases to core deposits | 86.0537% | 3,822 |
| Total domestic deposits to total assets | 80.0037% | 5,723 |
| Equity capital to assets | 15.0731% | 863 |
| Core capital (leverage) ratio | 14.9062% | 741 |
| Tier 1 risk-based capital ratio | 24.2094% | 924 |
| Total risk-based capital ratio | 25.4866% | 897 |
| Memoranda: | ||
| Average total assets | $134,177,330 | 4,258 |
| Average earning assets | $120,107,000 | 4,310 |
| Average equity | $20,197,000 | 3,152 |
| Average total loans | $89,043,330 | 4,174 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7497% | 1,618 |
| Cost of funding earning assets | 1.7173% | 2,303 |
| Net interest margin | 4.0324% | 2,728 |
| Noninterest income to average assets | 0.5579% | 3,585 |
| Noninterest expense to average assets | 3.0252% | 3,580 |
| Loan and lease loss provision to assets | 0.6713% | 1,890 |
| Net operating income to assets | 0.4572% | 4,586 |
| Return on assets (ROA) | 0.4714% | 4,661 |
| Pretax return on assets | 0.4982% | 4,967 |
| Return on Equity (ROE) | 3.1338% | 5,280 |
| Retained earnings to average equity (ytd only) | -7.3385% | 6,776 |
| Net charge-offs to loans | 0.0991% | 4,427 |
| Credit loss provision to net charge-offs | 1,022.7273% | 452 |
| Earnings coverage of net charge-offs (x) | 17.5909% | 1,275 |
| Efficiency ratio | 72.3769% | 3,860 |
| Assets per employee ($millions) | 3.6943% | 4,586 |
| Cash dividends to net income (ytd only)* | 334.1772% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9930% | 2,206 |
| Loan loss allowance to noncurrent loans | 20.6517% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 6.4980% | 879 |
| Noncurrent loans to loans | 9.6506% | 450 |
| Net loans and leases to total assets | 64.0737% | 4,308 |
| Net loans and leases to deposits | 79.5302% | 3,740 |
| Net loans and leases to core deposits | 83.9711% | 4,201 |
| Total domestic deposits to total assets | 80.5652% | 5,600 |
| Equity capital to assets | 14.6289% | 973 |
| Core capital (leverage) ratio | 14.6055% | 832 |
| Tier 1 risk-based capital ratio | 23.5662% | 1,005 |
| Total risk-based capital ratio | 24.8275% | 978 |
| Memoranda: | ||
| Average total assets | $134,073,500 | 4,323 |
| Average earning assets | $120,423,500 | 4,360 |
| Average equity | $20,167,500 | 3,183 |
| Average total loans | $88,758,500 | 4,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0193% | 1,789 |
| Cost of funding earning assets | 2.0525% | 2,708 |
| Net interest margin | 3.9668% | 2,994 |
| Noninterest income to average assets | 0.6467% | 3,315 |
| Noninterest expense to average assets | 3.1952% | 3,395 |
| Loan and lease loss provision to assets | 0.6412% | 3,234 |
| Net operating income to assets | 0.3899% | 4,163 |
| Return on assets (ROA) | 0.4408% | 4,085 |
| Pretax return on assets | 0.4338% | 4,392 |
| Return on Equity (ROE) | 2.8090% | 4,583 |
| Retained earnings to average equity (ytd only) | 0.1746% | 4,806 |
| Net charge-offs to loans | 0.4441% | 4,017 |
| Credit loss provision to net charge-offs | 223.1608% | 1,684 |
| Earnings coverage of net charge-offs (x) | 3.5640% | 3,291 |
| Efficiency ratio | 75.7283% | 3,571 |
| Assets per employee ($millions) | 3.5529% | 4,885 |
| Cash dividends to net income (ytd only)* | 93.7833% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,582 |
| Loan loss allowance to noncurrent loans | 51.1507% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 2,767 |
| Noncurrent loans to loans | 3.4995% | 2,172 |
| Net loans and leases to total assets | 65.8586% | 4,192 |
| Net loans and leases to deposits | 84.0880% | 3,247 |
| Net loans and leases to core deposits | 102.6487% | 3,730 |
| Total domestic deposits to total assets | 78.3210% | 6,163 |
| Equity capital to assets | 15.4717% | 798 |
| Core capital (leverage) ratio | 15.8029% | 643 |
| Tier 1 risk-based capital ratio | 25.4513% | 801 |
| Total risk-based capital ratio | 26.7104% | 785 |
| Memoranda: | ||
| Average total assets | $127,722,200 | 4,387 |
| Average earning assets | $115,029,200 | 4,417 |
| Average equity | $20,042,400 | 3,191 |
| Average total loans | $82,631,800 | 4,424 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 1,804 |
| Cost of funding earning assets | 2.1161% | 2,820 |
| Net interest margin | 3.9419% | 3,075 |
| Noninterest income to average assets | 0.6530% | 3,330 |
| Noninterest expense to average assets | 3.2684% | 3,038 |
| Loan and lease loss provision to assets | 0.4995% | 3,399 |
| Net operating income to assets | 0.4167% | 4,332 |
| Return on assets (ROA) | 0.4816% | 4,166 |
| Pretax return on assets | 0.5090% | 4,496 |
| Return on Equity (ROE) | 3.0581% | 4,766 |
| Retained earnings to average equity (ytd only) | -0.4674% | 5,339 |
| Net charge-offs to loans | 0.4660% | 3,357 |
| Credit loss provision to net charge-offs | 167.2535% | 2,803 |
| Earnings coverage of net charge-offs (x) | 3.1479% | 3,663 |
| Efficiency ratio | 77.6612% | 3,215 |
| Assets per employee ($millions) | 3.2887% | 5,431 |
| Cash dividends to net income (ytd only)* | 115.2837% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 3,186 |
| Loan loss allowance to noncurrent loans | 39.8970% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 2,583 |
| Noncurrent loans to loans | 3.8908% | 1,900 |
| Net loans and leases to total assets | 65.1221% | 4,623 |
| Net loans and leases to deposits | 84.9280% | 3,505 |
| Net loans and leases to core deposits | 105.4795% | 3,759 |
| Total domestic deposits to total assets | 76.6792% | 6,430 |
| Equity capital to assets | 15.6644% | 858 |
| Core capital (leverage) ratio | 15.9173% | 692 |
| Tier 1 risk-based capital ratio | 24.6879% | 927 |
| Total risk-based capital ratio | 26.2841% | 873 |
| Memoranda: | ||
| Average total assets | $126,788,000 | 4,429 |
| Average earning assets | $114,357,250 | 4,466 |
| Average equity | $19,968,250 | 3,234 |
| Average total loans | $81,251,000 | 4,514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1636% | 1,582 |
| Cost of funding earning assets | 2.1780% | 2,897 |
| Net interest margin | 3.9856% | 2,763 |
| Noninterest income to average assets | 0.6223% | 3,524 |
| Noninterest expense to average assets | 3.1450% | 3,521 |
| Loan and lease loss provision to assets | 0.4592% | 3,230 |
| Net operating income to assets | 0.5463% | 3,899 |
| Return on assets (ROA) | 0.5463% | 4,019 |
| Pretax return on assets | 0.6144% | 4,286 |
| Return on Equity (ROE) | 3.4626% | 4,728 |
| Retained earnings to average equity (ytd only) | -1.8367% | 5,700 |
| Net charge-offs to loans | 0.0575% | 5,694 |
| Credit loss provision to net charge-offs | 1,260.8696% | 392 |
| Earnings coverage of net charge-offs (x) | 29.4783% | 1,008 |
| Efficiency ratio | 74.5495% | 3,946 |
| Assets per employee ($millions) | 3.2794% | 5,372 |
| Cash dividends to net income (ytd only)* | 153.0435% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 2,390 |
| Loan loss allowance to noncurrent loans | 43.8641% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 2.8601% | 2,241 |
| Noncurrent loans to loans | 3.8458% | 1,768 |
| Net loans and leases to total assets | 63.5206% | 5,076 |
| Net loans and leases to deposits | 82.1828% | 4,195 |
| Net loans and leases to core deposits | 100.9857% | 4,405 |
| Total domestic deposits to total assets | 77.2919% | 6,259 |
| Equity capital to assets | 15.5469% | 919 |
| Core capital (leverage) ratio | 15.5875% | 811 |
| Tier 1 risk-based capital ratio | 24.5657% | 978 |
| Total risk-based capital ratio | 26.2892% | 919 |
| Memoranda: | ||
| Average total assets | $126,297,670 | 4,467 |
| Average earning assets | $113,959,000 | 4,517 |
| Average equity | $19,927,330 | 3,254 |
| Average total loans | $80,054,000 | 4,579 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0827% | 2,006 |
| Cost of funding earning assets | 2.2440% | 2,942 |
| Net interest margin | 3.8387% | 3,303 |
| Noninterest income to average assets | 0.5992% | 3,557 |
| Noninterest expense to average assets | 3.0311% | 3,626 |
| Loan and lease loss provision to assets | 0.3506% | 3,215 |
| Net operating income to assets | 0.5928% | 4,044 |
| Return on assets (ROA) | 0.5928% | 4,243 |
| Pretax return on assets | 0.6853% | 4,485 |
| Return on Equity (ROE) | 3.7295% | 5,068 |
| Retained earnings to average equity (ytd only) | -6.8374% | 6,776 |
| Net charge-offs to loans | 0.0813% | 4,353 |
| Credit loss provision to net charge-offs | 687.5000% | 857 |
| Earnings coverage of net charge-offs (x) | 20.3125% | 1,381 |
| Efficiency ratio | 74.5298% | 3,729 |
| Assets per employee ($millions) | 3.3344% | 5,235 |
| Cash dividends to net income (ytd only)* | 283.3333% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,540 |
| Loan loss allowance to noncurrent loans | 43.3172% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 2,601 |
| Noncurrent loans to loans | 2.8561% | 2,289 |
| Net loans and leases to total assets | 61.8687% | 5,358 |
| Net loans and leases to deposits | 78.3575% | 4,866 |
| Net loans and leases to core deposits | 96.0604% | 4,961 |
| Total domestic deposits to total assets | 78.9570% | 5,744 |
| Equity capital to assets | 15.6732% | 931 |
| Core capital (leverage) ratio | 15.2409% | 914 |
| Tier 1 risk-based capital ratio | 24.4148% | 1,027 |
| Total risk-based capital ratio | 25.6668% | 1,008 |
| Memoranda: | ||
| Average total assets | $125,498,000 | 4,511 |
| Average earning assets | $113,371,500 | 4,550 |
| Average equity | $19,949,000 | 3,267 |
| Average total loans | $78,763,500 | 4,653 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5399% | 2,762 |
| Cost of funding earning assets | 2.6367% | 3,502 |
| Net interest margin | 3.9032% | 3,544 |
| Noninterest income to average assets | 0.6461% | 3,501 |
| Noninterest expense to average assets | 2.9297% | 4,336 |
| Loan and lease loss provision to assets | 0.2315% | 4,582 |
| Net operating income to assets | 0.7905% | 3,477 |
| Return on assets (ROA) | 0.8228% | 3,180 |
| Pretax return on assets | 1.0744% | 3,121 |
| Return on Equity (ROE) | 5.0615% | 4,358 |
| Retained earnings to average equity (ytd only) | 2.4464% | 3,672 |
| Net charge-offs to loans | 0.2111% | 4,099 |
| Credit loss provision to net charge-offs | 180.5031% | 2,791 |
| Earnings coverage of net charge-offs (x) | 9.8553% | 2,617 |
| Efficiency ratio | 69.8596% | 4,381 |
| Assets per employee ($millions) | 3.3592% | 5,070 |
| Cash dividends to net income (ytd only)* | 51.6667% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,014 |
| Loan loss allowance to noncurrent loans | 56.8866% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 3,234 |
| Noncurrent loans to loans | 1.9974% | 2,767 |
| Net loans and leases to total assets | 62.1656% | 5,600 |
| Net loans and leases to deposits | 80.9524% | 4,882 |
| Net loans and leases to core deposits | 99.2001% | 4,906 |
| Total domestic deposits to total assets | 76.7928% | 6,037 |
| Equity capital to assets | 16.1229% | 909 |
| Core capital (leverage) ratio | 15.7679% | 872 |
| Tier 1 risk-based capital ratio | 25.2125% | 970 |
| Total risk-based capital ratio | 26.3611% | 959 |
| Memoranda: | ||
| Average total assets | $123,973,400 | 4,420 |
| Average earning assets | $112,677,600 | 4,455 |
| Average equity | $20,152,200 | 3,209 |
| Average total loans | $75,330,400 | 4,678 |