Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,105 |
| Cost of funding earning assets | 0.7595% | 3,326 |
| Net interest margin | 2.9753% | 3,495 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.1946% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5727% | 984 |
| Return on assets (ROA) | 1.5727% | 982 |
| Pretax return on assets | 1.9009% | 864 |
| Return on Equity (ROE) | 9.0200% | 2,984 |
| Retained earnings to average equity (ytd only) | 9.0193% | 1,680 |
| Net charge-offs to loans | -0.0033% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 38.3795% | 4,431 |
| Assets per employee ($millions) | 9.5335% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 4,125 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.1500% | 2,953 |
| Net loans and leases to deposits | 71.0686% | 2,710 |
| Net loans and leases to core deposits | 73.2836% | 2,943 |
| Total domestic deposits to total assets | 81.8200% | 3,267 |
| Equity capital to assets | 18.0302% | 340 |
| Core capital (leverage) ratio | 18.6189% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $212,114,000 | 2,920 |
| Average earning assets | $207,775,333 | 2,840 |
| Average equity | $36,987,333 | 1,982 |
| Average total loans | $121,309,667 | 2,929 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6079% | 4,147 |
| Cost of funding earning assets | 0.6598% | 3,189 |
| Net interest margin | 2.9481% | 3,703 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.1214% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5940% | 992 |
| Return on assets (ROA) | 1.5940% | 992 |
| Pretax return on assets | 1.9259% | 879 |
| Return on Equity (ROE) | 9.3000% | 2,969 |
| Retained earnings to average equity (ytd only) | 9.2965% | 1,863 |
| Net charge-offs to loans | -0.0033% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 36.6154% | 4,528 |
| Assets per employee ($millions) | 9.6220% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7507% | 4,178 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 56.4000% | 3,012 |
| Net loans and leases to deposits | 68.5137% | 2,734 |
| Net loans and leases to core deposits | 70.6346% | 2,909 |
| Total domestic deposits to total assets | 82.3100% | 3,434 |
| Equity capital to assets | 17.4779% | 325 |
| Core capital (leverage) ratio | 17.4566% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $213,302,500 | 2,951 |
| Average earning assets | $208,540,500 | 2,874 |
| Average equity | $36,573,000 | 2,017 |
| Average total loans | $120,531,500 | 2,972 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3231% | 3,531 |
| Cost of funding earning assets | 0.3673% | 2,352 |
| Net interest margin | 2.9559% | 3,558 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.1816% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4938% | 893 |
| Return on assets (ROA) | 1.4938% | 859 |
| Pretax return on assets | 1.8786% | 612 |
| Return on Equity (ROE) | 9.2200% | 3,060 |
| Retained earnings to average equity (ytd only) | 9.2165% | 1,414 |
| Net charge-offs to loans | -0.0026% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.3979% | 4,575 |
| Assets per employee ($millions) | 9.7691% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,144 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 55.7800% | 3,055 |
| Net loans and leases to deposits | 67.1352% | 2,800 |
| Net loans and leases to core deposits | 69.0705% | 2,942 |
| Total domestic deposits to total assets | 83.0800% | 3,402 |
| Equity capital to assets | 16.8193% | 345 |
| Core capital (leverage) ratio | 17.1051% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $213,347,800 | 2,957 |
| Average earning assets | $208,569,000 | 2,873 |
| Average equity | $34,579,400 | 2,130 |
| Average total loans | $116,808,400 | 2,953 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2152% | 3,398 |
| Cost of funding earning assets | 0.3046% | 2,115 |
| Net interest margin | 2.9106% | 3,462 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 1.1896% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5508% | 741 |
| Return on assets (ROA) | 1.5508% | 725 |
| Pretax return on assets | 1.8595% | 646 |
| Return on Equity (ROE) | 9.6600% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.6603% | 1,440 |
| Net charge-offs to loans | -0.0035% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.8090% | 4,600 |
| Assets per employee ($millions) | 9.6461% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7763% | 4,135 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 54.2700% | 3,074 |
| Net loans and leases to deposits | 65.2659% | 2,770 |
| Net loans and leases to core deposits | 67.1998% | 2,866 |
| Total domestic deposits to total assets | 83.1500% | 3,659 |
| Equity capital to assets | 16.6992% | 340 |
| Core capital (leverage) ratio | 16.7167% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $212,954,750 | 2,982 |
| Average earning assets | $208,336,000 | 2,894 |
| Average equity | $34,187,250 | 2,181 |
| Average total loans | $115,816,250 | 2,970 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 3,179 |
| Cost of funding earning assets | 0.2735% | 1,981 |
| Net interest margin | 2.8809% | 3,217 |
| Noninterest income to average assets | 0.2214% | 3,870 |
| Noninterest expense to average assets | 1.2158% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5272% | 659 |
| Return on assets (ROA) | 1.5272% | 638 |
| Pretax return on assets | 1.8217% | 566 |
| Return on Equity (ROE) | 9.6416% | 2,476 |
| Retained earnings to average equity (ytd only) | 9.6416% | 1,109 |
| Net charge-offs to loans | -0.0035% | 3,239 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8085% | 4,616 |
| Assets per employee ($millions) | 9.2281% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7545% | 4,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.7761% | 2,780 |
| Net loans and leases to deposits | 66.7281% | 2,490 |
| Net loans and leases to core deposits | 68.6915% | 2,590 |
| Total domestic deposits to total assets | 83.5870% | 3,778 |
| Equity capital to assets | 16.2966% | 314 |
| Core capital (leverage) ratio | 16.2432% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,201,667 | 3,006 |
| Average earning assets | $208,410,333 | 2,927 |
| Average equity | $33,770,333 | 2,237 |
| Average total loans | $115,733,000 | 2,995 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0843% | 3,025 |
| Cost of funding earning assets | 0.2652% | 1,977 |
| Net interest margin | 2.8191% | 3,083 |
| Noninterest income to average assets | 0.2265% | 3,797 |
| Noninterest expense to average assets | 1.1887% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4976% | 642 |
| Return on assets (ROA) | 1.4976% | 633 |
| Pretax return on assets | 1.7840% | 565 |
| Return on Equity (ROE) | 9.5920% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.5920% | 1,123 |
| Net charge-offs to loans | -0.0035% | 3,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7355% | 4,651 |
| Assets per employee ($millions) | 9.2983% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 4,309 |
| Loan loss allowance to noncurrent loans | 686.2595% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,447 |
| Noncurrent loans to loans | 0.1101% | 3,283 |
| Net loans and leases to total assets | 55.2020% | 2,610 |
| Net loans and leases to deposits | 65.6529% | 2,363 |
| Net loans and leases to core deposits | 67.7620% | 2,476 |
| Total domestic deposits to total assets | 84.0816% | 3,751 |
| Equity capital to assets | 15.7865% | 334 |
| Core capital (leverage) ratio | 15.8703% | 358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $213,679,000 | 3,012 |
| Average earning assets | $208,149,500 | 2,938 |
| Average equity | $33,361,000 | 2,314 |
| Average total loans | $113,958,000 | 3,017 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 3,225 |
| Cost of funding earning assets | 0.3095% | 2,302 |
| Net interest margin | 2.9875% | 3,227 |
| Noninterest income to average assets | 0.2505% | 3,868 |
| Noninterest expense to average assets | 1.1477% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6716% | 676 |
| Return on assets (ROA) | 1.6716% | 709 |
| Pretax return on assets | 2.0274% | 576 |
| Return on Equity (ROE) | 9.4964% | 2,718 |
| Retained earnings to average equity (ytd only) | -7.4939% | 4,737 |
| Net charge-offs to loans | -0.0306% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9327% | 4,754 |
| Assets per employee ($millions) | 9.2825% | 842 |
| Cash dividends to net income (ytd only)* | 178.9137% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,227 |
| Loan loss allowance to noncurrent loans | 1,247.2222% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,791 |
| Noncurrent loans to loans | 0.0661% | 3,610 |
| Net loans and leases to total assets | 50.6159% | 3,204 |
| Net loans and leases to deposits | 59.9596% | 3,078 |
| Net loans and leases to core deposits | 61.8534% | 3,178 |
| Total domestic deposits to total assets | 84.4167% | 3,441 |
| Equity capital to assets | 15.4386% | 441 |
| Core capital (leverage) ratio | 15.6396% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,975,000 | 3,019 |
| Average earning assets | $201,636,800 | 2,941 |
| Average equity | $36,256,000 | 2,235 |
| Average total loans | $101,292,800 | 3,179 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3755% | 3,181 |
| Cost of funding earning assets | 0.3201% | 2,404 |
| Net interest margin | 3.0554% | 3,163 |
| Noninterest income to average assets | 0.2972% | 3,665 |
| Noninterest expense to average assets | 1.1289% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7776% | 697 |
| Return on assets (ROA) | 1.7776% | 731 |
| Pretax return on assets | 2.1617% | 594 |
| Return on Equity (ROE) | 9.7841% | 2,815 |
| Retained earnings to average equity (ytd only) | 9.7841% | 1,387 |
| Net charge-offs to loans | -0.0416% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.1076% | 4,835 |
| Assets per employee ($millions) | 8.8843% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.5632% | 3,463 |
| Net loans and leases to deposits | 61.1255% | 3,127 |
| Net loans and leases to core deposits | 63.0538% | 3,217 |
| Total domestic deposits to total assets | 81.0844% | 4,080 |
| Equity capital to assets | 18.7918% | 237 |
| Core capital (leverage) ratio | 18.6774% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,094,250 | 3,070 |
| Average earning assets | $199,948,000 | 2,989 |
| Average equity | $37,079,750 | 2,224 |
| Average total loans | $99,375,500 | 3,248 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 3,059 |
| Cost of funding earning assets | 0.3281% | 2,514 |
| Net interest margin | 3.1089% | 3,006 |
| Noninterest income to average assets | 0.3353% | 3,422 |
| Noninterest expense to average assets | 1.0911% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8646% | 628 |
| Return on assets (ROA) | 1.8646% | 659 |
| Pretax return on assets | 2.2812% | 501 |
| Return on Equity (ROE) | 10.3821% | 2,621 |
| Retained earnings to average equity (ytd only) | 10.3821% | 1,290 |
| Net charge-offs to loans | -0.0630% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1512% | 4,888 |
| Assets per employee ($millions) | 8.9867% | 863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,067 |
| Loan loss allowance to noncurrent loans | 898.0000% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,932 |
| Noncurrent loans to loans | 0.1035% | 3,668 |
| Net loans and leases to total assets | 46.3083% | 3,881 |
| Net loans and leases to deposits | 56.6654% | 3,671 |
| Net loans and leases to core deposits | 58.3523% | 3,739 |
| Total domestic deposits to total assets | 81.7223% | 3,972 |
| Equity capital to assets | 18.1814% | 258 |
| Core capital (leverage) ratio | 18.2689% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,012,667 | 3,063 |
| Average earning assets | $199,299,333 | 2,985 |
| Average equity | $36,640,000 | 2,244 |
| Average total loans | $98,442,333 | 3,277 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 2,940 |
| Cost of funding earning assets | 0.3487% | 2,528 |
| Net interest margin | 3.1464% | 2,854 |
| Noninterest income to average assets | 0.4421% | 2,863 |
| Noninterest expense to average assets | 1.1269% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9421% | 616 |
| Return on assets (ROA) | 1.9421% | 663 |
| Pretax return on assets | 2.3782% | 536 |
| Return on Equity (ROE) | 10.8819% | 2,400 |
| Retained earnings to average equity (ytd only) | 10.8819% | 1,431 |
| Net charge-offs to loans | -0.0081% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9820% | 4,893 |
| Assets per employee ($millions) | 8.9074% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8174% | 4,369 |
| Loan loss allowance to noncurrent loans | 843.6893% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 4,020 |
| Noncurrent loans to loans | 0.0969% | 3,822 |
| Net loans and leases to total assets | 51.4695% | 3,497 |
| Net loans and leases to deposits | 62.8160% | 3,243 |
| Net loans and leases to core deposits | 64.6519% | 3,350 |
| Total domestic deposits to total assets | 81.9369% | 3,905 |
| Equity capital to assets | 17.8952% | 259 |
| Core capital (leverage) ratio | 18.2174% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,671,500 | 3,068 |
| Average earning assets | $197,307,000 | 2,994 |
| Average equity | $36,170,000 | 2,253 |
| Average total loans | $99,356,000 | 3,270 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 4,042 |
| Cost of funding earning assets | 0.4710% | 3,145 |
| Net interest margin | 3.0221% | 3,841 |
| Noninterest income to average assets | 0.1968% | 4,297 |
| Noninterest expense to average assets | 1.3003% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5866% | 665 |
| Return on assets (ROA) | 1.5866% | 718 |
| Pretax return on assets | 1.8400% | 623 |
| Return on Equity (ROE) | 8.5560% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.5560% | 894 |
| Net charge-offs to loans | 0.0043% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 853.2500% | 141 |
| Efficiency ratio | 41.1674% | 4,850 |
| Assets per employee ($millions) | 8.7162% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,078 |
| Loan loss allowance to noncurrent loans | 17,340.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,462 |
| Noncurrent loans to loans | 0.0054% | 4,373 |
| Net loans and leases to total assets | 45.6572% | 4,146 |
| Net loans and leases to deposits | 55.6197% | 4,024 |
| Net loans and leases to core deposits | 57.1619% | 4,084 |
| Total domestic deposits to total assets | 82.0883% | 3,644 |
| Equity capital to assets | 17.7970% | 285 |
| Core capital (leverage) ratio | 18.2166% | 253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,490,000 | 3,056 |
| Average earning assets | $180,668,000 | 2,993 |
| Average equity | $34,397,000 | 2,262 |
| Average total loans | $92,119,800 | 3,368 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5723% | 4,080 |
| Cost of funding earning assets | 0.5006% | 3,219 |
| Net interest margin | 3.0717% | 3,807 |
| Noninterest income to average assets | 0.1973% | 4,297 |
| Noninterest expense to average assets | 1.2882% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6242% | 685 |
| Return on assets (ROA) | 1.6242% | 755 |
| Pretax return on assets | 1.9074% | 623 |
| Return on Equity (ROE) | 8.6626% | 2,541 |
| Retained earnings to average equity (ytd only) | 8.6626% | 1,087 |
| Net charge-offs to loans | 0.0043% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 866.6667% | 141 |
| Efficiency ratio | 40.0826% | 4,893 |
| Assets per employee ($millions) | 8.3780% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 3,901 |
| Loan loss allowance to noncurrent loans | 10,850.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,510 |
| Noncurrent loans to loans | 0.0087% | 4,414 |
| Net loans and leases to total assets | 47.1341% | 4,259 |
| Net loans and leases to deposits | 57.7918% | 4,171 |
| Net loans and leases to core deposits | 59.3686% | 4,241 |
| Total domestic deposits to total assets | 81.5584% | 3,528 |
| Equity capital to assets | 18.2625% | 286 |
| Core capital (leverage) ratio | 18.5531% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,744,500 | 3,077 |
| Average earning assets | $177,399,250 | 3,007 |
| Average equity | $34,076,750 | 2,270 |
| Average total loans | $92,050,500 | 3,384 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,070 |
| Cost of funding earning assets | 0.5288% | 3,358 |
| Net interest margin | 3.1797% | 3,722 |
| Noninterest income to average assets | 0.1774% | 4,403 |
| Noninterest expense to average assets | 1.3543% | 4,922 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6710% | 648 |
| Return on assets (ROA) | 1.6710% | 707 |
| Pretax return on assets | 1.9293% | 640 |
| Return on Equity (ROE) | 8.8295% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.8295% | 1,057 |
| Net charge-offs to loans | 0.0043% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 859.0000% | 110 |
| Efficiency ratio | 41.0055% | 4,891 |
| Assets per employee ($millions) | 8.1296% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8964% | 4,015 |
| Loan loss allowance to noncurrent loans | 2,413.8889% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 4,461 |
| Noncurrent loans to loans | 0.0371% | 4,330 |
| Net loans and leases to total assets | 51.3846% | 4,071 |
| Net loans and leases to deposits | 63.1870% | 3,944 |
| Net loans and leases to core deposits | 64.9033% | 4,026 |
| Total domestic deposits to total assets | 81.3215% | 3,536 |
| Equity capital to assets | 18.4325% | 270 |
| Core capital (leverage) ratio | 18.8799% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,094,333 | 3,089 |
| Average earning assets | $173,978,667 | 3,015 |
| Average equity | $33,705,333 | 2,276 |
| Average total loans | $92,169,667 | 3,370 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,380 |
| Cost of funding earning assets | 0.5617% | 3,636 |
| Net interest margin | 3.1451% | 3,995 |
| Noninterest income to average assets | 0.2050% | 4,322 |
| Noninterest expense to average assets | 1.4120% | 4,958 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6055% | 618 |
| Return on assets (ROA) | 1.6055% | 684 |
| Pretax return on assets | 1.8497% | 630 |
| Return on Equity (ROE) | 8.3660% | 2,358 |
| Retained earnings to average equity (ytd only) | 8.3660% | 1,129 |
| Net charge-offs to loans | 0.0045% | 2,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 803.0000% | 72 |
| Efficiency ratio | 43.0791% | 4,909 |
| Assets per employee ($millions) | 7.0637% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,971 |
| Loan loss allowance to noncurrent loans | 2,636.3636% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 4,535 |
| Noncurrent loans to loans | 0.0357% | 4,418 |
| Net loans and leases to total assets | 51.9055% | 4,120 |
| Net loans and leases to deposits | 64.3190% | 3,965 |
| Net loans and leases to core deposits | 66.2841% | 4,069 |
| Total domestic deposits to total assets | 80.7001% | 3,724 |
| Equity capital to assets | 19.0688% | 280 |
| Core capital (leverage) ratio | 19.6185% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,651,500 | 3,100 |
| Average earning assets | $168,772,000 | 3,031 |
| Average equity | $33,325,500 | 2,286 |
| Average total loans | $89,780,500 | 3,401 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7989% | 4,565 |
| Cost of funding earning assets | 0.5574% | 3,838 |
| Net interest margin | 3.2415% | 4,104 |
| Noninterest income to average assets | 0.2727% | 4,045 |
| Noninterest expense to average assets | 1.3973% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7470% | 597 |
| Return on assets (ROA) | 1.7470% | 632 |
| Pretax return on assets | 2.0226% | 571 |
| Return on Equity (ROE) | 9.4406% | 2,549 |
| Retained earnings to average equity (ytd only) | 9.4406% | 603 |
| Net charge-offs to loans | 0.0223% | 2,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 181.1579% | 422 |
| Efficiency ratio | 40.6186% | 5,058 |
| Assets per employee ($millions) | 6.8284% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,504 |
| Loan loss allowance to noncurrent loans | 2,488.5714% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,555 |
| Noncurrent loans to loans | 0.0402% | 4,400 |
| Net loans and leases to total assets | 50.4707% | 4,311 |
| Net loans and leases to deposits | 62.6935% | 4,158 |
| Net loans and leases to core deposits | 64.7749% | 4,249 |
| Total domestic deposits to total assets | 80.5039% | 3,877 |
| Equity capital to assets | 19.3174% | 279 |
| Core capital (leverage) ratio | 19.7324% | 247 |
| Tier 1 risk-based capital ratio | 34.2386% | 346 |
| Total risk-based capital ratio | 35.1467% | 352 |
| Memoranda: | ||
| Average total assets | $170,180,000 | 3,110 |
| Average earning assets | $165,231,600 | 3,037 |
| Average equity | $31,491,600 | 2,319 |
| Average total loans | $85,222,200 | 3,495 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,694 |
| Cost of funding earning assets | 0.5541% | 3,905 |
| Net interest margin | 3.2267% | 4,240 |
| Noninterest income to average assets | 0.2846% | 4,036 |
| Noninterest expense to average assets | 1.4176% | 5,104 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7328% | 699 |
| Return on assets (ROA) | 1.7328% | 740 |
| Pretax return on assets | 1.9994% | 685 |
| Return on Equity (ROE) | 9.4684% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.4684% | 905 |
| Net charge-offs to loans | 0.0283% | 2,530 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 141.6633% | 562 |
| Efficiency ratio | 41.2575% | 5,096 |
| Assets per employee ($millions) | 6.6693% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,356.7568% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,584 |
| Noncurrent loans to loans | 0.0425% | 4,458 |
| Net loans and leases to total assets | 51.6745% | 4,330 |
| Net loans and leases to deposits | 64.2184% | 4,159 |
| Net loans and leases to core deposits | 66.2718% | 4,260 |
| Total domestic deposits to total assets | 80.4669% | 3,874 |
| Equity capital to assets | 19.3208% | 287 |
| Core capital (leverage) ratio | 19.4422% | 270 |
| Tier 1 risk-based capital ratio | 34.5152% | 355 |
| Total risk-based capital ratio | 35.4535% | 362 |
| Memoranda: | ||
| Average total assets | $170,047,250 | 3,146 |
| Average earning assets | $165,076,250 | 3,067 |
| Average equity | $31,120,250 | 2,354 |
| Average total loans | $84,770,250 | 3,551 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,776 |
| Cost of funding earning assets | 0.5354% | 3,951 |
| Net interest margin | 3.2090% | 4,346 |
| Noninterest income to average assets | 0.3085% | 3,867 |
| Noninterest expense to average assets | 1.3695% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7739% | 630 |
| Return on assets (ROA) | 1.7739% | 651 |
| Pretax return on assets | 2.0485% | 619 |
| Return on Equity (ROE) | 9.8714% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.8714% | 796 |
| Net charge-offs to loans | 0.0428% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 97.3889% | 712 |
| Efficiency ratio | 39.8291% | 5,167 |
| Assets per employee ($millions) | 6.7944% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,507 |
| Loan loss allowance to noncurrent loans | 357.3770% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 4,009 |
| Noncurrent loans to loans | 0.2851% | 3,514 |
| Net loans and leases to total assets | 49.8802% | 4,475 |
| Net loans and leases to deposits | 61.3750% | 4,360 |
| Net loans and leases to core deposits | 63.2754% | 4,442 |
| Total domestic deposits to total assets | 81.2712% | 3,729 |
| Equity capital to assets | 18.5575% | 324 |
| Core capital (leverage) ratio | 18.4748% | 313 |
| Tier 1 risk-based capital ratio | 34.8380% | 343 |
| Total risk-based capital ratio | 35.8061% | 347 |
| Memoranda: | ||
| Average total assets | $171,152,330 | 3,151 |
| Average earning assets | $165,848,000 | 3,075 |
| Average equity | $30,755,670 | 2,367 |
| Average total loans | $84,017,000 | 3,586 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 4,866 |
| Cost of funding earning assets | 0.5165% | 3,991 |
| Net interest margin | 3.1713% | 4,452 |
| Noninterest income to average assets | 0.2771% | 4,028 |
| Noninterest expense to average assets | 1.3667% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7160% | 707 |
| Return on assets (ROA) | 1.7160% | 733 |
| Pretax return on assets | 1.9837% | 661 |
| Return on Equity (ROE) | 9.7061% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.7061% | 1,103 |
| Net charge-offs to loans | 0.0865% | 1,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 1,056 |
| Efficiency ratio | 40.5142% | 5,199 |
| Assets per employee ($millions) | 6.9357% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,431 |
| Loan loss allowance to noncurrent loans | 898.9691% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 4,299 |
| Noncurrent loans to loans | 0.1162% | 4,218 |
| Net loans and leases to total assets | 47.6328% | 4,597 |
| Net loans and leases to deposits | 58.0196% | 4,502 |
| Net loans and leases to core deposits | 59.6660% | 4,578 |
| Total domestic deposits to total assets | 82.0979% | 3,698 |
| Equity capital to assets | 17.7291% | 371 |
| Core capital (leverage) ratio | 18.0002% | 337 |
| Tier 1 risk-based capital ratio | 33.7904% | 358 |
| Total risk-based capital ratio | 34.7545% | 359 |
| Memoranda: | ||
| Average total assets | $171,798,000 | 3,172 |
| Average earning assets | $166,491,000 | 3,095 |
| Average equity | $30,372,500 | 2,393 |
| Average total loans | $83,226,000 | 3,630 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,729 |
| Cost of funding earning assets | 0.4435% | 3,723 |
| Net interest margin | 3.2152% | 4,458 |
| Noninterest income to average assets | 0.2333% | 4,518 |
| Noninterest expense to average assets | 1.3729% | 5,275 |
| Loan and lease loss provision to assets | 0.0458% | 3,272 |
| Net operating income to assets | 1.7293% | 642 |
| Return on assets (ROA) | 1.7293% | 643 |
| Pretax return on assets | 1.9340% | 658 |
| Return on Equity (ROE) | 10.2625% | 2,412 |
| Retained earnings to average equity (ytd only) | 10.2625% | 580 |
| Net charge-offs to loans | 0.0460% | 2,515 |
| Credit loss provision to net charge-offs | 197.4359% | 1,465 |
| Earnings coverage of net charge-offs (x) | 85.3077% | 825 |
| Efficiency ratio | 40.6993% | 5,273 |
| Assets per employee ($millions) | 7.0918% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,254 |
| Loan loss allowance to noncurrent loans | 241.1924% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,639 |
| Noncurrent loans to loans | 0.4446% | 2,945 |
| Net loans and leases to total assets | 48.2353% | 4,621 |
| Net loans and leases to deposits | 58.6670% | 4,547 |
| Net loans and leases to core deposits | 60.5242% | 4,609 |
| Total domestic deposits to total assets | 82.2189% | 3,586 |
| Equity capital to assets | 17.6284% | 369 |
| Core capital (leverage) ratio | 17.8462% | 346 |
| Tier 1 risk-based capital ratio | 32.7811% | 376 |
| Total risk-based capital ratio | 33.7582% | 377 |
| Memoranda: | ||
| Average total assets | $168,043,600 | 3,189 |
| Average earning assets | $163,037,800 | 3,109 |
| Average equity | $28,316,800 | 2,442 |
| Average total loans | $84,694,800 | 3,578 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5719% | 4,849 |
| Cost of funding earning assets | 0.4248% | 3,695 |
| Net interest margin | 3.1472% | 4,620 |
| Noninterest income to average assets | 0.3017% | 4,132 |
| Noninterest expense to average assets | 1.3898% | 5,328 |
| Loan and lease loss provision to assets | 0.0501% | 2,982 |
| Net operating income to assets | 1.7360% | 694 |
| Return on assets (ROA) | 1.7360% | 700 |
| Pretax return on assets | 1.9167% | 792 |
| Return on Equity (ROE) | 10.4246% | 2,425 |
| Retained earnings to average equity (ytd only) | 10.4246% | 789 |
| Net charge-offs to loans | 0.0392% | 2,301 |
| Credit loss provision to net charge-offs | 252.0000% | 1,169 |
| Earnings coverage of net charge-offs (x) | 98.8473% | 762 |
| Efficiency ratio | 41.1430% | 5,302 |
| Assets per employee ($millions) | 6.9606% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 3,389 |
| Loan loss allowance to noncurrent loans | 442.7861% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,199 |
| Noncurrent loans to loans | 0.2402% | 3,838 |
| Net loans and leases to total assets | 49.5534% | 4,629 |
| Net loans and leases to deposits | 60.0332% | 4,550 |
| Net loans and leases to core deposits | 61.9600% | 4,617 |
| Total domestic deposits to total assets | 82.5434% | 3,453 |
| Equity capital to assets | 17.3776% | 394 |
| Core capital (leverage) ratio | 17.3865% | 382 |
| Tier 1 risk-based capital ratio | 33.0016% | 370 |
| Total risk-based capital ratio | 34.0186% | 373 |
| Memoranda: | ||
| Average total assets | $167,503,750 | 3,221 |
| Average earning assets | $162,597,250 | 3,130 |
| Average equity | $27,895,000 | 2,465 |
| Average total loans | $85,121,500 | 3,597 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,851 |
| Cost of funding earning assets | 0.4030% | 3,699 |
| Net interest margin | 3.1473% | 4,625 |
| Noninterest income to average assets | 0.2362% | 4,601 |
| Noninterest expense to average assets | 1.4124% | 5,385 |
| Loan and lease loss provision to assets | 0.0752% | 2,389 |
| Net operating income to assets | 1.6701% | 770 |
| Return on assets (ROA) | 1.6701% | 778 |
| Pretax return on assets | 1.7954% | 973 |
| Return on Equity (ROE) | 10.1756% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.1756% | 878 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7689% | 5,317 |
| Assets per employee ($millions) | 6.9766% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,285 |
| Loan loss allowance to noncurrent loans | 180.4734% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 3,063 |
| Noncurrent loans to loans | 0.6073% | 2,593 |
| Net loans and leases to total assets | 49.3111% | 4,644 |
| Net loans and leases to deposits | 59.3863% | 4,564 |
| Net loans and leases to core deposits | 61.1577% | 4,648 |
| Total domestic deposits to total assets | 83.0344% | 3,405 |
| Equity capital to assets | 16.8712% | 411 |
| Core capital (leverage) ratio | 16.9299% | 405 |
| Tier 1 risk-based capital ratio | 31.8741% | 416 |
| Total risk-based capital ratio | 32.9121% | 416 |
| Memoranda: | ||
| Average total assets | $167,653,670 | 3,238 |
| Average earning assets | $162,299,330 | 3,160 |
| Average equity | $27,516,670 | 2,499 |
| Average total loans | $85,605,000 | 3,614 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,837 |
| Cost of funding earning assets | 0.3788% | 3,744 |
| Net interest margin | 3.1460% | 4,607 |
| Noninterest income to average assets | 0.1907% | 4,881 |
| Noninterest expense to average assets | 1.4807% | 5,408 |
| Loan and lease loss provision to assets | 0.0906% | 1,992 |
| Net operating income to assets | 1.4425% | 1,215 |
| Return on assets (ROA) | 1.4425% | 1,220 |
| Pretax return on assets | 1.6690% | 1,194 |
| Return on Equity (ROE) | 8.9133% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.9133% | 1,485 |
| Net charge-offs to loans | -0.0092% | 4,214 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4746% | 5,298 |
| Assets per employee ($millions) | 6.9525% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,657 |
| Loan loss allowance to noncurrent loans | 141.8124% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 3,146 |
| Noncurrent loans to loans | 0.7409% | 2,350 |
| Net loans and leases to total assets | 50.3452% | 4,534 |
| Net loans and leases to deposits | 60.3969% | 4,446 |
| Net loans and leases to core deposits | 62.0919% | 4,545 |
| Total domestic deposits to total assets | 83.3573% | 3,562 |
| Equity capital to assets | 16.4527% | 442 |
| Core capital (leverage) ratio | 16.3846% | 444 |
| Tier 1 risk-based capital ratio | 30.3633% | 457 |
| Total risk-based capital ratio | 31.3569% | 461 |
| Memoranda: | ||
| Average total assets | $167,761,000 | 3,272 |
| Average earning assets | $162,618,500 | 3,181 |
| Average equity | $27,150,500 | 2,542 |
| Average total loans | $86,667,000 | 3,618 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5259% | 4,745 |
| Cost of funding earning assets | 0.3875% | 3,357 |
| Net interest margin | 3.1383% | 4,607 |
| Noninterest income to average assets | 0.2574% | 4,597 |
| Noninterest expense to average assets | 1.4410% | 5,509 |
| Loan and lease loss provision to assets | 0.0909% | 2,376 |
| Net operating income to assets | 1.4113% | 988 |
| Return on assets (ROA) | 1.4113% | 1,006 |
| Pretax return on assets | 1.7766% | 843 |
| Return on Equity (ROE) | 9.0592% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.0592% | 497 |
| Net charge-offs to loans | 0.1079% | 1,993 |
| Credit loss provision to net charge-offs | 163.0435% | 1,644 |
| Earnings coverage of net charge-offs (x) | 33.5109% | 1,431 |
| Efficiency ratio | 43.3358% | 5,470 |
| Assets per employee ($millions) | 7.0276% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 4,148 |
| Loan loss allowance to noncurrent loans | 143.4343% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,162 |
| Noncurrent loans to loans | 0.6717% | 2,534 |
| Net loans and leases to total assets | 51.9287% | 4,517 |
| Net loans and leases to deposits | 61.8588% | 4,463 |
| Net loans and leases to core deposits | 63.5620% | 4,562 |
| Total domestic deposits to total assets | 83.9472% | 3,230 |
| Equity capital to assets | 15.9182% | 525 |
| Core capital (leverage) ratio | 15.9233% | 483 |
| Tier 1 risk-based capital ratio | 29.3113% | 487 |
| Total risk-based capital ratio | 30.2470% | 491 |
| Memoranda: | ||
| Average total assets | $165,093,400 | 3,294 |
| Average earning assets | $160,499,400 | 3,192 |
| Average equity | $25,719,800 | 2,628 |
| Average total loans | $85,272,600 | 3,630 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 4,767 |
| Cost of funding earning assets | 0.3859% | 3,324 |
| Net interest margin | 3.1355% | 4,609 |
| Noninterest income to average assets | 0.2647% | 4,616 |
| Noninterest expense to average assets | 1.4324% | 5,564 |
| Loan and lease loss provision to assets | 0.0909% | 2,254 |
| Net operating income to assets | 1.5249% | 853 |
| Return on assets (ROA) | 1.5249% | 875 |
| Pretax return on assets | 1.7961% | 901 |
| Return on Equity (ROE) | 9.8434% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.8434% | 616 |
| Net charge-offs to loans | -0.0016% | 4,298 |
| Credit loss provision to net charge-offs | -11,200.0000% | 5,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9550% | 5,514 |
| Assets per employee ($millions) | 6.2408% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,889 |
| Loan loss allowance to noncurrent loans | 98.8017% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 2,857 |
| Noncurrent loans to loans | 1.0457% | 1,852 |
| Net loans and leases to total assets | 51.5590% | 4,608 |
| Net loans and leases to deposits | 63.0551% | 4,439 |
| Net loans and leases to core deposits | 64.9089% | 4,559 |
| Total domestic deposits to total assets | 81.7682% | 3,844 |
| Equity capital to assets | 15.6651% | 606 |
| Core capital (leverage) ratio | 15.7253% | 531 |
| Tier 1 risk-based capital ratio | 29.8644% | 479 |
| Total risk-based capital ratio | 30.8969% | 486 |
| Memoranda: | ||
| Average total assets | $164,201,250 | 3,331 |
| Average earning assets | $159,968,000 | 3,226 |
| Average equity | $25,437,750 | 2,668 |
| Average total loans | $84,481,750 | 3,673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4952% | 4,780 |
| Cost of funding earning assets | 0.3811% | 3,279 |
| Net interest margin | 3.1141% | 4,642 |
| Noninterest income to average assets | 0.2716% | 4,606 |
| Noninterest expense to average assets | 1.4253% | 5,614 |
| Loan and lease loss provision to assets | 0.0922% | 2,146 |
| Net operating income to assets | 1.5286% | 814 |
| Return on assets (ROA) | 1.5286% | 839 |
| Pretax return on assets | 1.7866% | 869 |
| Return on Equity (ROE) | 9.9051% | 2,075 |
| Retained earnings to average equity (ytd only) | 9.9051% | 604 |
| Net charge-offs to loans | -0.0048% | 4,328 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9528% | 5,551 |
| Assets per employee ($millions) | 6.2643% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 4,188 |
| Loan loss allowance to noncurrent loans | 94.5711% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,905 |
| Noncurrent loans to loans | 1.0499% | 1,871 |
| Net loans and leases to total assets | 51.3525% | 4,622 |
| Net loans and leases to deposits | 62.3801% | 4,477 |
| Net loans and leases to core deposits | 64.4416% | 4,574 |
| Total domestic deposits to total assets | 82.3218% | 3,798 |
| Equity capital to assets | 15.2316% | 669 |
| Core capital (leverage) ratio | 15.3722% | 567 |
| Tier 1 risk-based capital ratio | 28.0709% | 546 |
| Total risk-based capital ratio | 29.0260% | 550 |
| Memoranda: | ||
| Average total assets | $162,767,670 | 3,363 |
| Average earning assets | $158,503,000 | 3,262 |
| Average equity | $25,118,330 | 2,696 |
| Average total loans | $83,380,670 | 3,708 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,666 |
| Cost of funding earning assets | 0.3834% | 3,166 |
| Net interest margin | 3.1265% | 4,578 |
| Noninterest income to average assets | 0.2732% | 4,590 |
| Noninterest expense to average assets | 1.4688% | 5,652 |
| Loan and lease loss provision to assets | 0.0952% | 1,955 |
| Net operating income to assets | 1.3936% | 1,012 |
| Return on assets (ROA) | 1.3936% | 1,042 |
| Pretax return on assets | 1.7546% | 895 |
| Return on Equity (ROE) | 8.9690% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.9690% | 1,094 |
| Net charge-offs to loans | -0.0148% | 4,586 |
| Credit loss provision to net charge-offs | -1,266.6667% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1843% | 5,589 |
| Assets per employee ($millions) | 6.7116% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,400 |
| Loan loss allowance to noncurrent loans | 78.1104% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,622 |
| Noncurrent loans to loans | 1.2533% | 1,612 |
| Net loans and leases to total assets | 50.3352% | 4,649 |
| Net loans and leases to deposits | 59.3443% | 4,611 |
| Net loans and leases to core deposits | 62.0032% | 4,660 |
| Total domestic deposits to total assets | 84.8190% | 3,159 |
| Equity capital to assets | 14.9444% | 667 |
| Core capital (leverage) ratio | 15.1020% | 589 |
| Tier 1 risk-based capital ratio | 27.6859% | 578 |
| Total risk-based capital ratio | 28.6140% | 588 |
| Memoranda: | ||
| Average total assets | $159,584,000 | 3,438 |
| Average earning assets | $155,447,500 | 3,330 |
| Average equity | $24,796,500 | 2,725 |
| Average total loans | $81,208,000 | 3,790 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 4,706 |
| Cost of funding earning assets | 0.4096% | 2,911 |
| Net interest margin | 3.1192% | 4,674 |
| Noninterest income to average assets | 0.2644% | 4,837 |
| Noninterest expense to average assets | 1.3597% | 5,794 |
| Loan and lease loss provision to assets | 0.0999% | 2,384 |
| Net operating income to assets | 1.5914% | 695 |
| Return on assets (ROA) | 1.5908% | 720 |
| Pretax return on assets | 1.8465% | 699 |
| Return on Equity (ROE) | 10.2714% | 1,856 |
| Retained earnings to average equity (ytd only) | 10.2714% | 377 |
| Net charge-offs to loans | 0.0207% | 3,636 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 194.9333% | 348 |
| Efficiency ratio | 41.1196% | 5,766 |
| Assets per employee ($millions) | 6.3075% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 4,144 |
| Loan loss allowance to noncurrent loans | 73.5867% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 2,468 |
| Noncurrent loans to loans | 1.3990% | 1,454 |
| Net loans and leases to total assets | 50.4231% | 4,736 |
| Net loans and leases to deposits | 60.2818% | 4,653 |
| Net loans and leases to core deposits | 63.1740% | 4,679 |
| Total domestic deposits to total assets | 83.6457% | 3,556 |
| Equity capital to assets | 16.1964% | 474 |
| Core capital (leverage) ratio | 16.3173% | 423 |
| Tier 1 risk-based capital ratio | 29.0188% | 514 |
| Total risk-based capital ratio | 29.9586% | 525 |
| Memoranda: | ||
| Average total assets | $150,176,800 | 3,522 |
| Average earning assets | $146,479,600 | 3,411 |
| Average equity | $23,258,800 | 2,866 |
| Average total loans | $72,484,800 | 3,978 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5451% | 4,695 |
| Cost of funding earning assets | 0.4133% | 2,900 |
| Net interest margin | 3.1319% | 4,695 |
| Noninterest income to average assets | 0.2660% | 4,869 |
| Noninterest expense to average assets | 1.3486% | 5,841 |
| Loan and lease loss provision to assets | 0.0996% | 2,240 |
| Net operating income to assets | 1.6457% | 666 |
| Return on assets (ROA) | 1.6449% | 700 |
| Pretax return on assets | 1.8708% | 758 |
| Return on Equity (ROE) | 10.7447% | 1,768 |
| Retained earnings to average equity (ytd only) | 10.7447% | 452 |
| Net charge-offs to loans | 0.0131% | 3,496 |
| Credit loss provision to net charge-offs | 1,600.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 316.6763% | 262 |
| Efficiency ratio | 40.6217% | 5,818 |
| Assets per employee ($millions) | 6.5693% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 4,365 |
| Loan loss allowance to noncurrent loans | 60.4909% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 2,426 |
| Noncurrent loans to loans | 1.6640% | 1,276 |
| Net loans and leases to total assets | 49.7280% | 4,835 |
| Net loans and leases to deposits | 60.0420% | 4,753 |
| Net loans and leases to core deposits | 63.2793% | 4,759 |
| Total domestic deposits to total assets | 82.8220% | 3,658 |
| Equity capital to assets | 15.8696% | 572 |
| Core capital (leverage) ratio | 15.9207% | 488 |
| Tier 1 risk-based capital ratio | 28.5793% | 548 |
| Total risk-based capital ratio | 29.4899% | 557 |
| Memoranda: | ||
| Average total assets | $149,876,250 | 3,541 |
| Average earning assets | $146,150,250 | 3,432 |
| Average equity | $22,944,000 | 2,919 |
| Average total loans | $71,325,000 | 4,034 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 4,826 |
| Cost of funding earning assets | 0.4146% | 2,888 |
| Net interest margin | 3.0999% | 4,835 |
| Noninterest income to average assets | 0.2502% | 4,982 |
| Noninterest expense to average assets | 1.3541% | 5,917 |
| Loan and lease loss provision to assets | 0.1004% | 2,159 |
| Net operating income to assets | 1.3872% | 1,084 |
| Return on assets (ROA) | 1.3862% | 1,147 |
| Pretax return on assets | 1.8157% | 853 |
| Return on Equity (ROE) | 9.1684% | 2,421 |
| Retained earnings to average equity (ytd only) | 9.1684% | 804 |
| Net charge-offs to loans | 0.0086% | 3,403 |
| Credit loss provision to net charge-offs | 2,500.0000% | 174 |
| Earnings coverage of net charge-offs (x) | 477.6667% | 143 |
| Efficiency ratio | 41.3906% | 5,877 |
| Assets per employee ($millions) | 6.5616% | 1,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 4,313 |
| Loan loss allowance to noncurrent loans | 68.5098% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 2,692 |
| Noncurrent loans to loans | 1.5118% | 1,449 |
| Net loans and leases to total assets | 46.2807% | 5,112 |
| Net loans and leases to deposits | 56.0468% | 5,009 |
| Net loans and leases to core deposits | 59.0960% | 5,017 |
| Total domestic deposits to total assets | 82.5751% | 3,807 |
| Equity capital to assets | 15.3224% | 664 |
| Core capital (leverage) ratio | 15.4244% | 536 |
| Tier 1 risk-based capital ratio | 33.1005% | 379 |
| Total risk-based capital ratio | 34.1469% | 381 |
| Memoranda: | ||
| Average total assets | $149,470,330 | 3,570 |
| Average earning assets | $145,681,000 | 3,464 |
| Average equity | $22,599,330 | 2,964 |
| Average total loans | $69,800,000 | 4,100 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4956% | 4,901 |
| Cost of funding earning assets | 0.4142% | 2,909 |
| Net interest margin | 3.0814% | 4,911 |
| Noninterest income to average assets | 0.2474% | 4,965 |
| Noninterest expense to average assets | 1.3930% | 5,965 |
| Loan and lease loss provision to assets | 0.1022% | 1,992 |
| Net operating income to assets | 1.3365% | 1,166 |
| Return on assets (ROA) | 1.3365% | 1,249 |
| Pretax return on assets | 1.7533% | 935 |
| Return on Equity (ROE) | 8.9000% | 2,472 |
| Retained earnings to average equity (ytd only) | 8.9000% | 1,148 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8808% | 5,896 |
| Assets per employee ($millions) | 6.7565% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 4,596 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8604% | 2,540 |
| Noncurrent loans to loans | 1.5931% | 1,458 |
| Net loans and leases to total assets | 46.2797% | 5,094 |
| Net loans and leases to deposits | 55.2116% | 5,027 |
| Net loans and leases to core deposits | 57.8682% | 5,057 |
| Total domestic deposits to total assets | 83.8224% | 3,589 |
| Equity capital to assets | 15.1947% | 651 |
| Core capital (leverage) ratio | 15.1161% | 585 |
| Tier 1 risk-based capital ratio | 27.1053% | 666 |
| Total risk-based capital ratio | 27.9417% | 682 |
| Memoranda: | ||
| Average total assets | $148,747,500 | 3,600 |
| Average earning assets | $144,869,000 | 3,488 |
| Average equity | $22,337,000 | 2,986 |
| Average total loans | $69,412,000 | 4,125 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5713% | 4,745 |
| Cost of funding earning assets | 0.4349% | 2,789 |
| Net interest margin | 3.1364% | 4,818 |
| Noninterest income to average assets | 0.2476% | 5,114 |
| Noninterest expense to average assets | 1.4229% | 6,025 |
| Loan and lease loss provision to assets | 0.1228% | 1,952 |
| Net operating income to assets | 1.3513% | 1,146 |
| Return on assets (ROA) | 1.3513% | 1,186 |
| Pretax return on assets | 1.7469% | 900 |
| Return on Equity (ROE) | 9.3921% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.3921% | 562 |
| Net charge-offs to loans | 0.1248% | 2,125 |
| Credit loss provision to net charge-offs | 216.8675% | 1,307 |
| Earnings coverage of net charge-offs (x) | 33.0241% | 1,354 |
| Efficiency ratio | 43.2152% | 6,000 |
| Assets per employee ($millions) | 6.7660% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,868 |
| Loan loss allowance to noncurrent loans | 57.1057% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 2,443 |
| Noncurrent loans to loans | 1.6644% | 1,368 |
| Net loans and leases to total assets | 46.1374% | 5,146 |
| Net loans and leases to deposits | 55.1437% | 5,102 |
| Net loans and leases to core deposits | 57.7920% | 5,113 |
| Total domestic deposits to total assets | 83.6676% | 3,606 |
| Equity capital to assets | 14.8390% | 698 |
| Core capital (leverage) ratio | 14.8926% | 635 |
| Tier 1 risk-based capital ratio | 26.4448% | 711 |
| Total risk-based capital ratio | 27.2338% | 722 |
| Memoranda: | ||
| Average total assets | $146,599,400 | 3,620 |
| Average earning assets | $142,328,600 | 3,512 |
| Average equity | $21,092,200 | 3,062 |
| Average total loans | $66,523,400 | 4,181 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5739% | 4,810 |
| Cost of funding earning assets | 0.4382% | 2,821 |
| Net interest margin | 3.1357% | 4,864 |
| Noninterest income to average assets | 0.2465% | 5,169 |
| Noninterest expense to average assets | 1.3905% | 6,107 |
| Loan and lease loss provision to assets | 0.1306% | 1,727 |
| Net operating income to assets | 1.3722% | 1,174 |
| Return on assets (ROA) | 1.3722% | 1,224 |
| Pretax return on assets | 1.7703% | 950 |
| Return on Equity (ROE) | 9.6144% | 2,252 |
| Retained earnings to average equity (ytd only) | 9.6144% | 707 |
| Net charge-offs to loans | 0.1580% | 1,562 |
| Credit loss provision to net charge-offs | 183.3333% | 1,448 |
| Earnings coverage of net charge-offs (x) | 26.6916% | 1,605 |
| Efficiency ratio | 42.2469% | 6,084 |
| Assets per employee ($millions) | 6.6407% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9281% | 5,082 |
| Loan loss allowance to noncurrent loans | 49.7619% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0206% | 2,318 |
| Noncurrent loans to loans | 1.8650% | 1,246 |
| Net loans and leases to total assets | 45.8140% | 5,243 |
| Net loans and leases to deposits | 54.1832% | 5,243 |
| Net loans and leases to core deposits | 56.7995% | 5,262 |
| Total domestic deposits to total assets | 84.5539% | 3,193 |
| Equity capital to assets | 14.7917% | 785 |
| Core capital (leverage) ratio | 14.8114% | 676 |
| Tier 1 risk-based capital ratio | 25.9023% | 776 |
| Total risk-based capital ratio | 26.6538% | 801 |
| Memoranda: | ||
| Average total assets | $146,036,500 | 3,662 |
| Average earning assets | $141,802,250 | 3,546 |
| Average equity | $20,843,250 | 3,113 |
| Average total loans | $65,820,500 | 4,244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5285% | 4,915 |
| Cost of funding earning assets | 0.4407% | 2,833 |
| Net interest margin | 3.0878% | 4,994 |
| Noninterest income to average assets | 0.2328% | 5,296 |
| Noninterest expense to average assets | 1.4341% | 6,155 |
| Loan and lease loss provision to assets | 0.1438% | 1,503 |
| Net operating income to assets | 1.3177% | 1,267 |
| Return on assets (ROA) | 1.3177% | 1,319 |
| Pretax return on assets | 1.6491% | 1,195 |
| Return on Equity (ROE) | 9.3454% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.3454% | 821 |
| Net charge-offs to loans | 0.2299% | 1,122 |
| Credit loss provision to net charge-offs | 140.0000% | 1,604 |
| Earnings coverage of net charge-offs (x) | 17.4533% | 1,855 |
| Efficiency ratio | 44.4397% | 6,093 |
| Assets per employee ($millions) | 6.6680% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 5,355 |
| Loan loss allowance to noncurrent loans | 43.1487% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 2,324 |
| Noncurrent loans to loans | 2.0499% | 1,181 |
| Net loans and leases to total assets | 45.2224% | 5,304 |
| Net loans and leases to deposits | 53.7628% | 5,272 |
| Net loans and leases to core deposits | 56.3365% | 5,289 |
| Total domestic deposits to total assets | 84.1147% | 3,517 |
| Equity capital to assets | 14.3625% | 860 |
| Core capital (leverage) ratio | 14.4893% | 715 |
| Tier 1 risk-based capital ratio | 25.5168% | 815 |
| Total risk-based capital ratio | 26.2338% | 850 |
| Memoranda: | ||
| Average total assets | $146,017,000 | 3,690 |
| Average earning assets | $141,591,670 | 3,574 |
| Average equity | $20,587,670 | 3,152 |
| Average total loans | $65,241,000 | 4,301 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,982 |
| Cost of funding earning assets | 0.4380% | 2,901 |
| Net interest margin | 3.0578% | 5,067 |
| Noninterest income to average assets | 0.2197% | 5,383 |
| Noninterest expense to average assets | 1.4278% | 6,217 |
| Loan and lease loss provision to assets | 0.1043% | 1,965 |
| Net operating income to assets | 1.3180% | 1,217 |
| Return on assets (ROA) | 1.3180% | 1,304 |
| Pretax return on assets | 1.6585% | 1,139 |
| Return on Equity (ROE) | 9.4363% | 2,245 |
| Retained earnings to average equity (ytd only) | 9.4363% | 1,057 |
| Net charge-offs to loans | 0.0870% | 1,851 |
| Credit loss provision to net charge-offs | 271.4286% | 877 |
| Earnings coverage of net charge-offs (x) | 45.8571% | 895 |
| Efficiency ratio | 44.7504% | 6,151 |
| Assets per employee ($millions) | 6.6589% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 5,440 |
| Loan loss allowance to noncurrent loans | 37.2537% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 2,439 |
| Noncurrent loans to loans | 2.4191% | 1,013 |
| Net loans and leases to total assets | 43.9865% | 5,348 |
| Net loans and leases to deposits | 52.1875% | 5,320 |
| Net loans and leases to core deposits | 54.5576% | 5,341 |
| Total domestic deposits to total assets | 84.2855% | 3,702 |
| Equity capital to assets | 14.0530% | 970 |
| Core capital (leverage) ratio | 14.0882% | 797 |
| Tier 1 risk-based capital ratio | 25.9495% | 790 |
| Total risk-based capital ratio | 26.6881% | 824 |
| Memoranda: | ||
| Average total assets | $145,678,000 | 3,720 |
| Average earning assets | $141,541,500 | 3,597 |
| Average equity | $20,347,000 | 3,195 |
| Average total loans | $64,396,000 | 4,353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8322% | 4,382 |
| Cost of funding earning assets | 0.5079% | 2,590 |
| Net interest margin | 3.3243% | 4,492 |
| Noninterest income to average assets | 0.2617% | 5,263 |
| Noninterest expense to average assets | 1.4352% | 6,334 |
| Loan and lease loss provision to assets | 0.1250% | 2,094 |
| Net operating income to assets | 1.4952% | 889 |
| Return on assets (ROA) | 1.4952% | 924 |
| Pretax return on assets | 1.9361% | 584 |
| Return on Equity (ROE) | 10.2341% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.3214% | 638 |
| Net charge-offs to loans | 0.0890% | 3,217 |
| Credit loss provision to net charge-offs | 319.1489% | 822 |
| Earnings coverage of net charge-offs (x) | 52.6170% | 892 |
| Efficiency ratio | 41.0489% | 6,380 |
| Assets per employee ($millions) | 6.5846% | 1,009 |
| Cash dividends to net income (ytd only)* | 8.9186% | 4,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 5,524 |
| Loan loss allowance to noncurrent loans | 35.3237% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1211% | 2,509 |
| Noncurrent loans to loans | 2.4950% | 1,021 |
| Net loans and leases to total assets | 43.6322% | 5,488 |
| Net loans and leases to deposits | 51.0508% | 5,529 |
| Net loans and leases to core deposits | 53.7333% | 5,516 |
| Total domestic deposits to total assets | 85.4681% | 3,094 |
| Equity capital to assets | 13.8802% | 1,002 |
| Core capital (leverage) ratio | 13.9996% | 815 |
| Tier 1 risk-based capital ratio | 27.2748% | 658 |
| Total risk-based capital ratio | 28.0372% | 680 |
| Memoranda: | ||
| Average total assets | $119,980,800 | 4,178 |
| Average earning assets | $116,747,400 | 4,030 |
| Average equity | $17,529,600 | 3,451 |
| Average total loans | $52,785,600 | 4,731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,371 |
| Cost of funding earning assets | 0.5123% | 2,631 |
| Net interest margin | 3.3370% | 4,483 |
| Noninterest income to average assets | 0.2672% | 5,293 |
| Noninterest expense to average assets | 1.3842% | 6,417 |
| Loan and lease loss provision to assets | 0.1324% | 1,894 |
| Net operating income to assets | 1.5014% | 945 |
| Return on assets (ROA) | 1.5014% | 973 |
| Pretax return on assets | 2.0030% | 562 |
| Return on Equity (ROE) | 10.1151% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.6966% | 780 |
| Net charge-offs to loans | 0.0480% | 3,537 |
| Credit loss provision to net charge-offs | 627.7778% | 473 |
| Earnings coverage of net charge-offs (x) | 101.2196% | 582 |
| Efficiency ratio | 39.3273% | 6,465 |
| Assets per employee ($millions) | 6.4801% | 1,031 |
| Cash dividends to net income (ytd only)* | 4.1371% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 5,733 |
| Loan loss allowance to noncurrent loans | 37.8933% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.0718% | 2,817 |
| Noncurrent loans to loans | 2.2548% | 1,338 |
| Net loans and leases to total assets | 45.0923% | 5,446 |
| Net loans and leases to deposits | 53.2310% | 5,439 |
| Net loans and leases to core deposits | 53.5017% | 5,592 |
| Total domestic deposits to total assets | 84.7106% | 3,452 |
| Equity capital to assets | 13.6459% | 1,126 |
| Core capital (leverage) ratio | 13.6452% | 948 |
| Tier 1 risk-based capital ratio | 26.1457% | 773 |
| Total risk-based capital ratio | 26.8903% | 805 |
| Memoranda: | ||
| Average total assets | $113,760,750 | 4,339 |
| Average earning assets | $110,876,000 | 4,195 |
| Average equity | $16,885,250 | 3,556 |
| Average total loans | $50,040,000 | 4,862 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5283% | 5,349 |
| Cost of funding earning assets | 0.5139% | 2,688 |
| Net interest margin | 3.0144% | 5,479 |
| Noninterest income to average assets | 0.2496% | 5,415 |
| Noninterest expense to average assets | 1.3729% | 6,493 |
| Loan and lease loss provision to assets | 0.1440% | 1,718 |
| Net operating income to assets | 1.2711% | 1,387 |
| Return on assets (ROA) | 1.2711% | 1,443 |
| Pretax return on assets | 1.6724% | 1,078 |
| Return on Equity (ROE) | 8.2600% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.2600% | 1,232 |
| Net charge-offs to loans | 0.0488% | 3,274 |
| Credit loss provision to net charge-offs | 681.8182% | 459 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 620 |
| Efficiency ratio | 43.0464% | 6,449 |
| Assets per employee ($millions) | 7.4245% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,409 |
| Loan loss allowance to noncurrent loans | 63.1805% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 3,704 |
| Noncurrent loans to loans | 1.5594% | 2,222 |
| Net loans and leases to total assets | 42.6378% | 5,634 |
| Net loans and leases to deposits | 50.7024% | 5,579 |
| Net loans and leases to core deposits | 54.3992% | 5,525 |
| Total domestic deposits to total assets | 84.0942% | 3,893 |
| Equity capital to assets | 15.7375% | 591 |
| Core capital (leverage) ratio | 15.7291% | 515 |
| Tier 1 risk-based capital ratio | 30.5386% | 502 |
| Total risk-based capital ratio | 31.3619% | 510 |
| Memoranda: | ||
| Average total assets | $104,160,000 | 4,577 |
| Average earning assets | $101,579,330 | 4,422 |
| Average equity | $16,029,000 | 3,687 |
| Average total loans | $45,107,000 | 5,071 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 5,361 |
| Cost of funding earning assets | 0.5233% | 2,676 |
| Net interest margin | 3.0021% | 5,515 |
| Noninterest income to average assets | 0.2148% | 5,640 |
| Noninterest expense to average assets | 1.3158% | 6,593 |
| Loan and lease loss provision to assets | 0.1419% | 1,716 |
| Net operating income to assets | 1.2928% | 1,238 |
| Return on assets (ROA) | 1.2928% | 1,282 |
| Pretax return on assets | 1.6841% | 1,006 |
| Return on Equity (ROE) | 8.4970% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,419 |
| Net charge-offs to loans | 0.0442% | 2,770 |
| Credit loss provision to net charge-offs | 740.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 95.2000% | 472 |
| Efficiency ratio | 41.8803% | 6,555 |
| Assets per employee ($millions) | 7.4234% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 5,858 |
| Loan loss allowance to noncurrent loans | 83.8115% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 4,330 |
| Noncurrent loans to loans | 1.0785% | 3,261 |
| Net loans and leases to total assets | 43.1447% | 5,582 |
| Net loans and leases to deposits | 51.0962% | 5,513 |
| Net loans and leases to core deposits | 54.7913% | 5,449 |
| Total domestic deposits to total assets | 84.4381% | 4,106 |
| Equity capital to assets | 15.4272% | 609 |
| Core capital (leverage) ratio | 15.3196% | 563 |
| Tier 1 risk-based capital ratio | 29.2867% | 562 |
| Total risk-based capital ratio | 30.0338% | 579 |
| Memoranda: | ||
| Average total assets | $104,268,500 | 4,622 |
| Average earning assets | $101,662,000 | 4,464 |
| Average equity | $15,864,500 | 3,725 |
| Average total loans | $45,280,500 | 5,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 4,939 |
| Cost of funding earning assets | 0.6367% | 2,326 |
| Net interest margin | 3.1257% | 5,240 |
| Noninterest income to average assets | 0.2145% | 5,797 |
| Noninterest expense to average assets | 1.5245% | 6,562 |
| Loan and lease loss provision to assets | 0.1597% | 2,287 |
| Net operating income to assets | 1.3091% | 1,228 |
| Return on assets (ROA) | 1.3091% | 1,264 |
| Pretax return on assets | 1.5572% | 1,277 |
| Return on Equity (ROE) | 9.0586% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.0586% | 762 |
| Net charge-offs to loans | 0.2615% | 2,399 |
| Credit loss provision to net charge-offs | 137.1901% | 1,707 |
| Earnings coverage of net charge-offs (x) | 14.7521% | 1,922 |
| Efficiency ratio | 47.0326% | 6,517 |
| Assets per employee ($millions) | 6.9740% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 6,097 |
| Loan loss allowance to noncurrent loans | 162.5000% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,190 |
| Noncurrent loans to loans | 0.5120% | 4,714 |
| Net loans and leases to total assets | 42.9557% | 5,755 |
| Net loans and leases to deposits | 50.8780% | 5,701 |
| Net loans and leases to core deposits | 54.7213% | 5,631 |
| Total domestic deposits to total assets | 84.4288% | 4,000 |
| Equity capital to assets | 15.0043% | 670 |
| Core capital (leverage) ratio | 14.8182% | 628 |
| Tier 1 risk-based capital ratio | 28.7799% | 568 |
| Total risk-based capital ratio | 29.4712% | 584 |
| Memoranda: | ||
| Average total assets | $103,966,400 | 4,649 |
| Average earning assets | $100,682,800 | 4,489 |
| Average equity | $15,024,400 | 3,869 |
| Average total loans | $46,266,400 | 5,106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 4,910 |
| Cost of funding earning assets | 0.6632% | 2,233 |
| Net interest margin | 3.1232% | 5,255 |
| Noninterest income to average assets | 0.2094% | 5,922 |
| Noninterest expense to average assets | 1.3461% | 6,716 |
| Loan and lease loss provision to assets | 0.1451% | 2,466 |
| Net operating income to assets | 1.3319% | 1,263 |
| Return on assets (ROA) | 1.3319% | 1,318 |
| Pretax return on assets | 1.7365% | 1,022 |
| Return on Equity (ROE) | 9.3066% | 2,488 |
| Retained earnings to average equity (ytd only) | 9.3066% | 966 |
| Net charge-offs to loans | -0.1319% | 6,570 |
| Credit loss provision to net charge-offs | -245.6522% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7031% | 6,717 |
| Assets per employee ($millions) | 7.0447% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,415 |
| Loan loss allowance to noncurrent loans | 113.6574% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 4,365 |
| Noncurrent loans to loans | 0.9485% | 3,920 |
| Net loans and leases to total assets | 42.6365% | 5,849 |
| Net loans and leases to deposits | 50.2638% | 5,818 |
| Net loans and leases to core deposits | 55.2417% | 5,684 |
| Total domestic deposits to total assets | 84.8254% | 3,831 |
| Equity capital to assets | 14.5472% | 811 |
| Core capital (leverage) ratio | 14.6807% | 696 |
| Tier 1 risk-based capital ratio | 27.5092% | 666 |
| Total risk-based capital ratio | 28.3930% | 677 |
| Memoranda: | ||
| Average total assets | $103,805,500 | 4,696 |
| Average earning assets | $100,323,000 | 4,550 |
| Average equity | $14,856,500 | 3,941 |
| Average total loans | $46,504,750 | 5,133 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 4,714 |
| Cost of funding earning assets | 0.6829% | 2,200 |
| Net interest margin | 3.1516% | 5,120 |
| Noninterest income to average assets | 0.2093% | 5,943 |
| Noninterest expense to average assets | 1.3878% | 6,741 |
| Loan and lease loss provision to assets | 0.1454% | 2,522 |
| Net operating income to assets | 1.3471% | 1,204 |
| Return on assets (ROA) | 1.3471% | 1,295 |
| Pretax return on assets | 1.7173% | 1,080 |
| Return on Equity (ROE) | 9.4657% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.4657% | 975 |
| Net charge-offs to loans | -0.1837% | 6,642 |
| Credit loss provision to net charge-offs | -174.4186% | 5,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6953% | 6,741 |
| Assets per employee ($millions) | 6.9871% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 5,921 |
| Loan loss allowance to noncurrent loans | 120.3209% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 4,480 |
| Noncurrent loans to loans | 0.8084% | 4,294 |
| Net loans and leases to total assets | 43.7131% | 5,764 |
| Net loans and leases to deposits | 52.3541% | 5,658 |
| Net loans and leases to core deposits | 57.6545% | 5,451 |
| Total domestic deposits to total assets | 83.4952% | 4,509 |
| Equity capital to assets | 14.3408% | 866 |
| Core capital (leverage) ratio | 14.5220% | 696 |
| Tier 1 risk-based capital ratio | 26.8695% | 702 |
| Total risk-based capital ratio | 27.6740% | 722 |
| Memoranda: | ||
| Average total assets | $103,184,000 | 4,740 |
| Average earning assets | $99,568,330 | 4,597 |
| Average equity | $14,684,670 | 4,010 |
| Average total loans | $46,824,670 | 5,144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 4,613 |
| Cost of funding earning assets | 0.7056% | 2,161 |
| Net interest margin | 3.1549% | 5,075 |
| Noninterest income to average assets | 0.1836% | 6,163 |
| Noninterest expense to average assets | 1.2894% | 6,882 |
| Loan and lease loss provision to assets | 0.1485% | 2,396 |
| Net operating income to assets | 1.3832% | 1,061 |
| Return on assets (ROA) | 1.3832% | 1,148 |
| Pretax return on assets | 1.7856% | 908 |
| Return on Equity (ROE) | 9.7574% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.7574% | 1,167 |
| Net charge-offs to loans | -0.0085% | 5,388 |
| Credit loss provision to net charge-offs | -3,800.0000% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0000% | 6,872 |
| Assets per employee ($millions) | 6.8121% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 6,462 |
| Loan loss allowance to noncurrent loans | 79.9569% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7046% | 4,615 |
| Noncurrent loans to loans | 0.9964% | 4,137 |
| Net loans and leases to total assets | 45.2095% | 5,523 |
| Net loans and leases to deposits | 52.9267% | 5,528 |
| Net loans and leases to core deposits | 58.4693% | 5,295 |
| Total domestic deposits to total assets | 85.4192% | 3,835 |
| Equity capital to assets | 14.3753% | 910 |
| Core capital (leverage) ratio | 14.5089% | 671 |
| Tier 1 risk-based capital ratio | 26.5173% | 742 |
| Total risk-based capital ratio | 27.1871% | 779 |
| Memoranda: | ||
| Average total assets | $102,373,000 | 4,803 |
| Average earning assets | $98,640,000 | 4,665 |
| Average equity | $14,512,000 | 4,091 |
| Average total loans | $47,105,000 | 5,166 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 4,601 |
| Cost of funding earning assets | 0.8774% | 2,082 |
| Net interest margin | 3.3200% | 5,182 |
| Noninterest income to average assets | 0.2320% | 5,786 |
| Noninterest expense to average assets | 1.4241% | 6,903 |
| Loan and lease loss provision to assets | 0.2219% | 2,913 |
| Net operating income to assets | 1.3939% | 1,110 |
| Return on assets (ROA) | 1.3939% | 1,223 |
| Pretax return on assets | 1.7801% | 956 |
| Return on Equity (ROE) | 10.1309% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.1309% | 573 |
| Net charge-offs to loans | 0.3917% | 2,685 |
| Credit loss provision to net charge-offs | 118.2796% | 2,427 |
| Earnings coverage of net charge-offs (x) | 10.6720% | 2,120 |
| Efficiency ratio | 41.5661% | 6,899 |
| Assets per employee ($millions) | 6.8376% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 6,638 |
| Loan loss allowance to noncurrent loans | 81.7734% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 4,854 |
| Noncurrent loans to loans | 0.8522% | 4,479 |
| Net loans and leases to total assets | 46.1283% | 5,597 |
| Net loans and leases to deposits | 53.7558% | 5,675 |
| Net loans and leases to core deposits | 59.5541% | 5,409 |
| Total domestic deposits to total assets | 85.8108% | 3,448 |
| Equity capital to assets | 13.9766% | 1,053 |
| Core capital (leverage) ratio | 14.5868% | 654 |
| Tier 1 risk-based capital ratio | 26.1340% | 756 |
| Total risk-based capital ratio | 26.7392% | 797 |
| Memoranda: | ||
| Average total assets | $99,149,600 | 4,856 |
| Average earning assets | $95,392,800 | 4,714 |
| Average equity | $13,641,400 | 4,233 |
| Average total loans | $47,479,400 | 5,197 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 4,663 |
| Cost of funding earning assets | 0.9089% | 2,113 |
| Net interest margin | 3.3359% | 5,264 |
| Noninterest income to average assets | 0.2414% | 5,825 |
| Noninterest expense to average assets | 1.4093% | 6,988 |
| Loan and lease loss provision to assets | 0.1533% | 3,613 |
| Net operating income to assets | 1.4581% | 1,104 |
| Return on assets (ROA) | 1.4581% | 1,224 |
| Pretax return on assets | 1.8949% | 879 |
| Return on Equity (ROE) | 10.6423% | 2,080 |
| Retained earnings to average equity (ytd only) | 10.6423% | 752 |
| Net charge-offs to loans | 0.1293% | 4,086 |
| Credit loss provision to net charge-offs | 245.6522% | 1,125 |
| Earnings coverage of net charge-offs (x) | 32.8270% | 1,016 |
| Efficiency ratio | 40.7611% | 7,000 |
| Assets per employee ($millions) | 6.6735% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 6,673 |
| Loan loss allowance to noncurrent loans | 75.4132% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 4,345 |
| Noncurrent loans to loans | 1.0059% | 4,445 |
| Net loans and leases to total assets | 47.6999% | 5,588 |
| Net loans and leases to deposits | 56.3091% | 5,607 |
| Net loans and leases to core deposits | 62.0875% | 5,350 |
| Total domestic deposits to total assets | 84.7107% | 3,880 |
| Equity capital to assets | 14.0136% | 1,150 |
| Core capital (leverage) ratio | 14.1287% | 791 |
| Tier 1 risk-based capital ratio | 24.3749% | 970 |
| Total risk-based capital ratio | 25.0091% | 1,035 |
| Memoranda: | ||
| Average total assets | $98,296,000 | 4,923 |
| Average earning assets | $94,764,750 | 4,777 |
| Average equity | $13,468,000 | 4,302 |
| Average total loans | $47,438,500 | 5,256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 4,587 |
| Cost of funding earning assets | 0.9364% | 2,143 |
| Net interest margin | 3.3602% | 5,233 |
| Noninterest income to average assets | 0.2620% | 5,708 |
| Noninterest expense to average assets | 1.5456% | 6,971 |
| Loan and lease loss provision to assets | 0.1535% | 3,599 |
| Net operating income to assets | 1.4228% | 1,142 |
| Return on assets (ROA) | 1.4228% | 1,276 |
| Pretax return on assets | 1.7954% | 1,054 |
| Return on Equity (ROE) | 10.4658% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.4658% | 859 |
| Net charge-offs to loans | 0.1991% | 3,390 |
| Credit loss provision to net charge-offs | 159.5745% | 1,743 |
| Earnings coverage of net charge-offs (x) | 20.2553% | 1,397 |
| Efficiency ratio | 44.2296% | 6,947 |
| Assets per employee ($millions) | 6.6445% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 6,838 |
| Loan loss allowance to noncurrent loans | 91.8310% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 4,696 |
| Noncurrent loans to loans | 0.7528% | 5,004 |
| Net loans and leases to total assets | 46.9865% | 5,727 |
| Net loans and leases to deposits | 54.6046% | 5,811 |
| Net loans and leases to core deposits | 59.5339% | 5,641 |
| Total domestic deposits to total assets | 86.0485% | 3,333 |
| Equity capital to assets | 13.6936% | 1,215 |
| Core capital (leverage) ratio | 14.0871% | 781 |
| Tier 1 risk-based capital ratio | 24.5071% | 957 |
| Total risk-based capital ratio | 25.0925% | 1,018 |
| Memoranda: | ||
| Average total assets | $97,693,670 | 4,963 |
| Average earning assets | $93,981,670 | 4,817 |
| Average equity | $13,281,330 | 4,344 |
| Average total loans | $47,213,330 | 5,297 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3243% | 4,639 |
| Cost of funding earning assets | 0.9810% | 2,098 |
| Net interest margin | 3.3433% | 5,321 |
| Noninterest income to average assets | 0.2730% | 5,688 |
| Noninterest expense to average assets | 1.4353% | 7,093 |
| Loan and lease loss provision to assets | 0.1572% | 3,414 |
| Net operating income to assets | 1.5221% | 982 |
| Return on assets (ROA) | 1.5221% | 1,104 |
| Pretax return on assets | 1.8944% | 889 |
| Return on Equity (ROE) | 11.2384% | 1,925 |
| Retained earnings to average equity (ytd only) | 11.2384% | 975 |
| Net charge-offs to loans | 0.3048% | 2,441 |
| Credit loss provision to net charge-offs | 105.5556% | 2,189 |
| Earnings coverage of net charge-offs (x) | 13.7778% | 1,513 |
| Efficiency ratio | 41.1625% | 7,078 |
| Assets per employee ($millions) | 6.4993% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 6,947 |
| Loan loss allowance to noncurrent loans | 44.7761% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3068% | 3,944 |
| Noncurrent loans to loans | 1.4197% | 3,982 |
| Net loans and leases to total assets | 48.1003% | 5,542 |
| Net loans and leases to deposits | 55.8429% | 5,623 |
| Net loans and leases to core deposits | 60.1949% | 5,510 |
| Total domestic deposits to total assets | 86.1350% | 3,453 |
| Equity capital to assets | 13.6240% | 1,186 |
| Core capital (leverage) ratio | 13.8676% | 837 |
| Tier 1 risk-based capital ratio | 16.0376% | 3,158 |
| Total risk-based capital ratio | 16.3998% | 3,614 |
| Memoranda: | ||
| Average total assets | $96,707,000 | 5,026 |
| Average earning assets | $92,962,500 | 4,879 |
| Average equity | $13,098,000 | 4,389 |
| Average total loans | $47,242,000 | 5,329 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 4,548 |
| Cost of funding earning assets | 1.1795% | 2,166 |
| Net interest margin | 3.4505% | 5,330 |
| Noninterest income to average assets | 0.2881% | 5,473 |
| Noninterest expense to average assets | 1.7745% | 6,985 |
| Loan and lease loss provision to assets | 0.0578% | 5,876 |
| Net operating income to assets | 1.3755% | 1,071 |
| Return on assets (ROA) | 1.4114% | 1,085 |
| Pretax return on assets | 1.8162% | 781 |
| Return on Equity (ROE) | 9.3567% | 2,301 |
| Retained earnings to average equity (ytd only) | -11.9408% | 6,766 |
| Net charge-offs to loans | 0.2300% | 4,342 |
| Credit loss provision to net charge-offs | 49.0909% | 5,444 |
| Earnings coverage of net charge-offs (x) | 15.5182% | 1,387 |
| Efficiency ratio | 49.2568% | 6,876 |
| Assets per employee ($millions) | 5.9953% | 1,229 |
| Cash dividends to net income (ytd only)* | 227.6176% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 6,989 |
| Loan loss allowance to noncurrent loans | 30.5955% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 1.7733% | 3,293 |
| Noncurrent loans to loans | 2.0596% | 3,126 |
| Net loans and leases to total assets | 48.9898% | 5,717 |
| Net loans and leases to deposits | 56.7884% | 5,816 |
| Net loans and leases to core deposits | 61.4537% | 5,711 |
| Total domestic deposits to total assets | 86.2673% | 3,156 |
| Equity capital to assets | 13.4627% | 1,288 |
| Core capital (leverage) ratio | 13.9011% | 849 |
| Tier 1 risk-based capital ratio | 15.7759% | 3,165 |
| Total risk-based capital ratio | 16.1399% | 3,681 |
| Memoranda: | ||
| Average total assets | $93,380,400 | 5,084 |
| Average earning assets | $89,696,400 | 4,944 |
| Average equity | $14,086,200 | 4,090 |
| Average total loans | $47,836,400 | 5,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 4,602 |
| Cost of funding earning assets | 1.1994% | 2,320 |
| Net interest margin | 3.4681% | 5,316 |
| Noninterest income to average assets | 0.2918% | 5,523 |
| Noninterest expense to average assets | 1.7409% | 7,054 |
| Loan and lease loss provision to assets | 0.0575% | 5,723 |
| Net operating income to assets | 1.3588% | 1,245 |
| Return on assets (ROA) | 1.4045% | 1,221 |
| Pretax return on assets | 1.8890% | 803 |
| Return on Equity (ROE) | 9.0591% | 2,569 |
| Retained earnings to average equity (ytd only) | -4.8495% | 6,587 |
| Net charge-offs to loans | 0.0834% | 5,143 |
| Credit loss provision to net charge-offs | 133.3333% | 2,386 |
| Earnings coverage of net charge-offs (x) | 43.6990% | 726 |
| Efficiency ratio | 48.0174% | 6,961 |
| Assets per employee ($millions) | 5.9049% | 1,265 |
| Cash dividends to net income (ytd only)* | 153.5317% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7567% | 6,882 |
| Loan loss allowance to noncurrent loans | 68.5499% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5125% | 3,840 |
| Noncurrent loans to loans | 1.1039% | 4,713 |
| Net loans and leases to total assets | 50.5271% | 5,633 |
| Net loans and leases to deposits | 59.5529% | 5,686 |
| Net loans and leases to core deposits | 64.8099% | 5,540 |
| Total domestic deposits to total assets | 84.8441% | 3,851 |
| Equity capital to assets | 14.8955% | 878 |
| Core capital (leverage) ratio | 15.2893% | 610 |
| Tier 1 risk-based capital ratio | 17.0874% | 2,611 |
| Total risk-based capital ratio | 17.5294% | 2,943 |
| Memoranda: | ||
| Average total assets | $92,744,500 | 5,144 |
| Average earning assets | $89,152,750 | 4,985 |
| Average equity | $14,379,250 | 4,057 |
| Average total loans | $47,972,750 | 5,387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 4,532 |
| Cost of funding earning assets | 1.2030% | 2,563 |
| Net interest margin | 3.4986% | 5,174 |
| Noninterest income to average assets | 0.2669% | 5,743 |
| Noninterest expense to average assets | 1.6600% | 7,220 |
| Loan and lease loss provision to assets | 0.0586% | 5,581 |
| Net operating income to assets | 1.5541% | 798 |
| Return on assets (ROA) | 1.6297% | 734 |
| Pretax return on assets | 2.0116% | 582 |
| Return on Equity (ROE) | 10.3720% | 1,992 |
| Retained earnings to average equity (ytd only) | -10.3444% | 6,897 |
| Net charge-offs to loans | -0.0083% | 6,649 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6444% | 7,169 |
| Assets per employee ($millions) | 6.1061% | 1,133 |
| Cash dividends to net income (ytd only)* | 199.7337% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 6,864 |
| Loan loss allowance to noncurrent loans | 48.3586% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 1.4969% | 3,959 |
| Noncurrent loans to loans | 1.6547% | 3,935 |
| Net loans and leases to total assets | 51.8392% | 5,590 |
| Net loans and leases to deposits | 61.2614% | 5,585 |
| Net loans and leases to core deposits | 66.8346% | 5,408 |
| Total domestic deposits to total assets | 84.6197% | 4,062 |
| Equity capital to assets | 15.1183% | 793 |
| Core capital (leverage) ratio | 15.1140% | 646 |
| Tier 1 risk-based capital ratio | 17.2432% | 2,430 |
| Total risk-based capital ratio | 17.7202% | 2,719 |
| Memoranda: | ||
| Average total assets | $92,166,670 | 5,204 |
| Average earning assets | $88,777,670 | 5,029 |
| Average equity | $14,481,330 | 4,014 |
| Average total loans | $47,930,000 | 5,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 4,402 |
| Cost of funding earning assets | 1.2091% | 2,759 |
| Net interest margin | 3.5145% | 4,940 |
| Noninterest income to average assets | 0.2639% | 5,782 |
| Noninterest expense to average assets | 1.5359% | 7,350 |
| Loan and lease loss provision to assets | 0.0606% | 5,243 |
| Net operating income to assets | 1.6052% | 686 |
| Return on assets (ROA) | 1.7522% | 561 |
| Pretax return on assets | 2.2238% | 384 |
| Return on Equity (ROE) | 10.9471% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.9471% | 908 |
| Net charge-offs to loans | -0.0083% | 6,323 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2619% | 7,340 |
| Assets per employee ($millions) | 6.1752% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 6,964 |
| Loan loss allowance to noncurrent loans | 29.9756% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 1.8688% | 3,471 |
| Noncurrent loans to loans | 2.5903% | 2,906 |
| Net loans and leases to total assets | 50.9069% | 5,722 |
| Net loans and leases to deposits | 61.0108% | 5,617 |
| Net loans and leases to core deposits | 65.7776% | 5,535 |
| Total domestic deposits to total assets | 83.4391% | 4,726 |
| Equity capital to assets | 16.1949% | 542 |
| Core capital (leverage) ratio | 16.3179% | 451 |
| Tier 1 risk-based capital ratio | 18.9910% | 1,806 |
| Total risk-based capital ratio | 19.4582% | 2,013 |
| Memoranda: | ||
| Average total assets | $92,454,500 | 5,222 |
| Average earning assets | $88,660,500 | 5,066 |
| Average equity | $14,798,500 | 3,939 |
| Average total loans | $47,963,500 | 5,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 4,924 |
| Cost of funding earning assets | 1.4310% | 3,067 |
| Net interest margin | 3.4877% | 5,293 |
| Noninterest income to average assets | 0.3377% | 5,370 |
| Noninterest expense to average assets | 1.7682% | 7,292 |
| Loan and lease loss provision to assets | 0.0853% | 6,297 |
| Net operating income to assets | 1.5269% | 720 |
| Return on assets (ROA) | 1.5427% | 762 |
| Pretax return on assets | 1.8613% | 665 |
| Return on Equity (ROE) | 9.8647% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.8647% | 548 |
| Net charge-offs to loans | 0.0456% | 6,349 |
| Credit loss provision to net charge-offs | 345.4545% | 747 |
| Earnings coverage of net charge-offs (x) | 78.0909% | 309 |
| Efficiency ratio | 47.8446% | 7,274 |
| Assets per employee ($millions) | 6.1521% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 7,086 |
| Loan loss allowance to noncurrent loans | 58.3196% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 4,564 |
| Noncurrent loans to loans | 1.2540% | 4,624 |
| Net loans and leases to total assets | 52.0692% | 5,899 |
| Net loans and leases to deposits | 62.1283% | 5,835 |
| Net loans and leases to core deposits | 66.9705% | 5,777 |
| Total domestic deposits to total assets | 83.8092% | 4,448 |
| Equity capital to assets | 15.8169% | 615 |
| Core capital (leverage) ratio | 15.9842% | 513 |
| Tier 1 risk-based capital ratio | 18.5294% | 1,834 |
| Total risk-based capital ratio | 18.9788% | 2,050 |
| Memoranda: | ||
| Average total assets | $89,129,600 | 5,318 |
| Average earning assets | $85,814,800 | 5,150 |
| Average equity | $13,938,600 | 4,156 |
| Average total loans | $48,227,600 | 5,552 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 5,007 |
| Cost of funding earning assets | 1.4729% | 3,129 |
| Net interest margin | 3.4842% | 5,365 |
| Noninterest income to average assets | 0.3320% | 5,505 |
| Noninterest expense to average assets | 1.5908% | 7,507 |
| Loan and lease loss provision to assets | 0.0619% | 6,446 |
| Net operating income to assets | 1.6842% | 643 |
| Return on assets (ROA) | 1.7055% | 668 |
| Pretax return on assets | 2.0647% | 541 |
| Return on Equity (ROE) | 10.9380% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.9380% | 616 |
| Net charge-offs to loans | 0.0387% | 6,169 |
| Credit loss provision to net charge-offs | 292.8571% | 1,092 |
| Earnings coverage of net charge-offs (x) | 99.4081% | 309 |
| Efficiency ratio | 43.0908% | 7,495 |
| Assets per employee ($millions) | 6.3870% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6780% | 7,232 |
| Loan loss allowance to noncurrent loans | 37.9791% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.7949% | 3,754 |
| Noncurrent loans to loans | 1.7852% | 3,968 |
| Net loans and leases to total assets | 53.5709% | 5,904 |
| Net loans and leases to deposits | 64.1782% | 5,893 |
| Net loans and leases to core deposits | 70.1583% | 5,731 |
| Total domestic deposits to total assets | 83.4720% | 4,390 |
| Equity capital to assets | 16.0493% | 659 |
| Core capital (leverage) ratio | 16.0913% | 544 |
| Tier 1 risk-based capital ratio | 18.6563% | 1,831 |
| Total risk-based capital ratio | 19.0814% | 2,035 |
| Memoranda: | ||
| Average total assets | $88,341,750 | 5,401 |
| Average earning assets | $85,182,750 | 5,228 |
| Average equity | $13,774,250 | 4,254 |
| Average total loans | $48,183,500 | 5,637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 5,266 |
| Cost of funding earning assets | 1.4872% | 3,321 |
| Net interest margin | 3.4433% | 5,470 |
| Noninterest income to average assets | 0.3023% | 5,735 |
| Noninterest expense to average assets | 1.4889% | 7,621 |
| Loan and lease loss provision to assets | 0.0614% | 6,339 |
| Net operating income to assets | 1.6617% | 635 |
| Return on assets (ROA) | 1.6617% | 683 |
| Pretax return on assets | 2.0731% | 517 |
| Return on Equity (ROE) | 10.7642% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.7642% | 696 |
| Net charge-offs to loans | 0.0581% | 5,580 |
| Credit loss provision to net charge-offs | 192.8571% | 2,044 |
| Earnings coverage of net charge-offs (x) | 67.0714% | 467 |
| Efficiency ratio | 41.0916% | 7,622 |
| Assets per employee ($millions) | 6.3588% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 7,331 |
| Loan loss allowance to noncurrent loans | 74.7017% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 4,441 |
| Noncurrent loans to loans | 0.8733% | 5,521 |
| Net loans and leases to total assets | 53.5412% | 6,044 |
| Net loans and leases to deposits | 64.9515% | 5,920 |
| Net loans and leases to core deposits | 70.2957% | 5,842 |
| Total domestic deposits to total assets | 82.4326% | 4,808 |
| Equity capital to assets | 15.6724% | 729 |
| Core capital (leverage) ratio | 15.9122% | 579 |
| Tier 1 risk-based capital ratio | 18.3548% | 1,868 |
| Total risk-based capital ratio | 18.7665% | 2,062 |
| Memoranda: | ||
| Average total assets | $87,983,000 | 5,451 |
| Average earning assets | $84,859,670 | 5,266 |
| Average equity | $13,582,000 | 4,295 |
| Average total loans | $48,168,330 | 5,684 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 5,506 |
| Cost of funding earning assets | 1.5273% | 3,391 |
| Net interest margin | 3.3628% | 5,743 |
| Noninterest income to average assets | 0.3110% | 5,662 |
| Noninterest expense to average assets | 1.4177% | 7,753 |
| Loan and lease loss provision to assets | 0.0640% | 6,001 |
| Net operating income to assets | 1.6098% | 735 |
| Return on assets (ROA) | 1.6098% | 787 |
| Pretax return on assets | 2.0717% | 535 |
| Return on Equity (ROE) | 10.5098% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.5098% | 1,039 |
| Net charge-offs to loans | 0.1160% | 4,282 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 33.3571% | 806 |
| Efficiency ratio | 39.8970% | 7,736 |
| Assets per employee ($millions) | 6.2406% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6300% | 7,456 |
| Loan loss allowance to noncurrent loans | 50.9338% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 4,237 |
| Noncurrent loans to loans | 1.2369% | 4,903 |
| Net loans and leases to total assets | 54.1599% | 6,010 |
| Net loans and leases to deposits | 64.4252% | 6,013 |
| Net loans and leases to core deposits | 69.6913% | 5,946 |
| Total domestic deposits to total assets | 84.0664% | 4,113 |
| Equity capital to assets | 15.5353% | 760 |
| Core capital (leverage) ratio | 15.6110% | 641 |
| Tier 1 risk-based capital ratio | 19.1758% | 1,676 |
| Total risk-based capital ratio | 19.5996% | 1,828 |
| Memoranda: | ||
| Average total assets | $87,463,000 | 5,528 |
| Average earning assets | $84,333,500 | 5,352 |
| Average equity | $13,397,000 | 4,379 |
| Average total loans | $48,264,000 | 5,746 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 4,734 |
| Cost of funding earning assets | 1.7710% | 4,144 |
| Net interest margin | 3.6223% | 4,467 |
| Noninterest income to average assets | 0.2433% | 6,357 |
| Noninterest expense to average assets | 1.6799% | 7,714 |
| Loan and lease loss provision to assets | 0.1662% | 6,026 |
| Net operating income to assets | 1.4634% | 731 |
| Return on assets (ROA) | 1.4644% | 792 |
| Pretax return on assets | 1.8810% | 535 |
| Return on Equity (ROE) | 9.6412% | 1,799 |
| Retained earnings to average equity (ytd only) | 9.6412% | 411 |
| Net charge-offs to loans | 0.7104% | 3,055 |
| Credit loss provision to net charge-offs | 38.8732% | 6,836 |
| Earnings coverage of net charge-offs (x) | 4.7859% | 2,817 |
| Efficiency ratio | 45.0873% | 7,749 |
| Assets per employee ($millions) | 6.2541% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 7,541 |
| Loan loss allowance to noncurrent loans | 40.5405% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 4,915 |
| Noncurrent loans to loans | 1.5130% | 4,393 |
| Net loans and leases to total assets | 55.5170% | 6,021 |
| Net loans and leases to deposits | 65.7376% | 6,078 |
| Net loans and leases to core deposits | 81.8885% | 5,919 |
| Total domestic deposits to total assets | 84.4524% | 3,819 |
| Equity capital to assets | 15.0999% | 885 |
| Core capital (leverage) ratio | 15.4514% | 700 |
| Tier 1 risk-based capital ratio | 18.4677% | 1,760 |
| Total risk-based capital ratio | 18.8867% | 1,948 |
| Memoranda: | ||
| Average total assets | $83,039,800 | 5,631 |
| Average earning assets | $79,839,800 | 5,464 |
| Average equity | $12,612,600 | 4,609 |
| Average total loans | $49,974,600 | 5,670 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4526% | 4,677 |
| Cost of funding earning assets | 1.8119% | 4,333 |
| Net interest margin | 3.6407% | 4,321 |
| Noninterest income to average assets | 0.2979% | 6,090 |
| Noninterest expense to average assets | 1.7173% | 7,745 |
| Loan and lease loss provision to assets | 0.2035% | 5,359 |
| Net operating income to assets | 1.4751% | 863 |
| Return on assets (ROA) | 1.4764% | 925 |
| Pretax return on assets | 1.8784% | 687 |
| Return on Equity (ROE) | 9.7051% | 2,032 |
| Retained earnings to average equity (ytd only) | 9.7051% | 689 |
| Net charge-offs to loans | 0.8306% | 2,303 |
| Credit loss provision to net charge-offs | 39.9361% | 6,426 |
| Earnings coverage of net charge-offs (x) | 4.0831% | 3,268 |
| Efficiency ratio | 45.2207% | 7,796 |
| Assets per employee ($millions) | 5.7031% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 7,487 |
| Loan loss allowance to noncurrent loans | 44.8840% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.2075% | 4,658 |
| Noncurrent loans to loans | 1.4468% | 4,502 |
| Net loans and leases to total assets | 58.8397% | 5,761 |
| Net loans and leases to deposits | 69.6090% | 5,963 |
| Net loans and leases to core deposits | 86.0104% | 5,869 |
| Total domestic deposits to total assets | 84.5288% | 3,465 |
| Equity capital to assets | 15.0936% | 979 |
| Core capital (leverage) ratio | 15.5716% | 747 |
| Tier 1 risk-based capital ratio | 23.5715% | 1,045 |
| Total risk-based capital ratio | 24.1721% | 1,087 |
| Memoranda: | ||
| Average total assets | $81,910,500 | 5,694 |
| Average earning assets | $78,737,250 | 5,534 |
| Average equity | $12,460,500 | 4,667 |
| Average total loans | $50,241,000 | 5,704 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5033% | 4,606 |
| Cost of funding earning assets | 1.8482% | 4,522 |
| Net interest margin | 3.6551% | 4,142 |
| Noninterest income to average assets | 0.3346% | 5,833 |
| Noninterest expense to average assets | 1.5936% | 7,919 |
| Loan and lease loss provision to assets | 0.0669% | 6,539 |
| Net operating income to assets | 1.5348% | 778 |
| Return on assets (ROA) | 1.5366% | 832 |
| Pretax return on assets | 2.1859% | 370 |
| Return on Equity (ROE) | 10.0731% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.0731% | 719 |
| Net charge-offs to loans | 0.1876% | 4,386 |
| Credit loss provision to net charge-offs | 57.4468% | 5,638 |
| Earnings coverage of net charge-offs (x) | 19.3191% | 1,369 |
| Efficiency ratio | 41.4571% | 7,990 |
| Assets per employee ($millions) | 5.4399% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,371 |
| Loan loss allowance to noncurrent loans | 50.7143% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 1.7709% | 3,519 |
| Noncurrent loans to loans | 1.9346% | 3,622 |
| Net loans and leases to total assets | 61.4709% | 5,445 |
| Net loans and leases to deposits | 73.1789% | 5,582 |
| Net loans and leases to core deposits | 88.6076% | 5,671 |
| Total domestic deposits to total assets | 84.0008% | 3,772 |
| Equity capital to assets | 15.4722% | 935 |
| Core capital (leverage) ratio | 15.6461% | 795 |
| Tier 1 risk-based capital ratio | 19.6037% | 1,653 |
| Total risk-based capital ratio | 20.3755% | 1,708 |
| Memoranda: | ||
| Average total assets | $80,698,670 | 5,774 |
| Average earning assets | $77,481,000 | 5,613 |
| Average equity | $12,310,000 | 4,734 |
| Average total loans | $50,100,000 | 5,759 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6454% | 4,078 |
| Cost of funding earning assets | 1.8887% | 4,693 |
| Net interest margin | 3.7567% | 3,628 |
| Noninterest income to average assets | 0.3140% | 5,934 |
| Noninterest expense to average assets | 1.6399% | 7,874 |
| Loan and lease loss provision to assets | 0.0648% | 6,140 |
| Net operating income to assets | 1.5701% | 826 |
| Return on assets (ROA) | 1.5701% | 905 |
| Pretax return on assets | 2.2181% | 425 |
| Return on Equity (ROE) | 10.3682% | 2,178 |
| Retained earnings to average equity (ytd only) | 10.3682% | 1,103 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8043% | 8,006 |
| Assets per employee ($millions) | 5.3401% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,679 |
| Loan loss allowance to noncurrent loans | 139.4737% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 4,727 |
| Noncurrent loans to loans | 0.7682% | 5,509 |
| Net loans and leases to total assets | 61.0959% | 5,489 |
| Net loans and leases to deposits | 72.5743% | 5,669 |
| Net loans and leases to core deposits | 87.4723% | 5,788 |
| Total domestic deposits to total assets | 84.1839% | 3,613 |
| Equity capital to assets | 15.3679% | 992 |
| Core capital (leverage) ratio | 15.7326% | 821 |
| Tier 1 risk-based capital ratio | 20.9240% | 1,460 |
| Total risk-based capital ratio | 21.8249% | 1,486 |
| Memoranda: | ||
| Average total assets | $80,249,000 | 5,812 |
| Average earning assets | $77,089,500 | 5,650 |
| Average equity | $12,152,500 | 4,798 |
| Average total loans | $49,822,000 | 5,801 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 5,046 |
| Cost of funding earning assets | 2.4236% | 4,615 |
| Net interest margin | 3.6758% | 4,574 |
| Noninterest income to average assets | 0.3457% | 5,972 |
| Noninterest expense to average assets | 1.5537% | 8,008 |
| Loan and lease loss provision to assets | 0.2074% | 4,818 |
| Net operating income to assets | 1.4969% | 1,021 |
| Return on assets (ROA) | 1.4934% | 994 |
| Pretax return on assets | 2.1219% | 466 |
| Return on Equity (ROE) | 9.7208% | 2,351 |
| Retained earnings to average equity (ytd only) | 1.5383% | 4,301 |
| Net charge-offs to loans | 0.2849% | 3,500 |
| Credit loss provision to net charge-offs | 117.0213% | 4,609 |
| Earnings coverage of net charge-offs (x) | 13.1702% | 2,160 |
| Efficiency ratio | 39.9612% | 8,135 |
| Assets per employee ($millions) | 5.3597% | 1,566 |
| Cash dividends to net income (ytd only)* | 84.1751% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0304% | 5,771 |
| Loan loss allowance to noncurrent loans | 80.2795% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1742% | 3,910 |
| Noncurrent loans to loans | 1.2835% | 3,945 |
| Net loans and leases to total assets | 61.7668% | 5,652 |
| Net loans and leases to deposits | 74.2727% | 5,815 |
| Net loans and leases to core deposits | 87.7629% | 5,993 |
| Total domestic deposits to total assets | 83.1621% | 3,701 |
| Equity capital to assets | 14.9199% | 1,183 |
| Core capital (leverage) ratio | 15.1284% | 1,000 |
| Tier 1 risk-based capital ratio | 19.1647% | 1,778 |
| Total risk-based capital ratio | 19.9907% | 1,814 |
| Memoranda: | ||
| Average total assets | $79,552,400 | 5,719 |
| Average earning assets | $76,663,000 | 5,559 |
| Average equity | $12,221,200 | 4,770 |
| Average total loans | $49,483,600 | 5,725 |