Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1986% | 2,725 |
| Cost of funding earning assets | 0.5189% | 4,282 |
| Net interest margin | 4.6797% | 475 |
| Noninterest income to average assets | 0.7300% | 962 |
| Noninterest expense to average assets | 3.4380% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.6332% | 840 |
| Return on assets (ROA) | 1.6332% | 839 |
| Pretax return on assets | 1.6332% | 1,235 |
| Return on Equity (ROE) | 19.2000% | 515 |
| Retained earnings to average equity (ytd only) | 6.2850% | 2,192 |
| Net charge-offs to loans | 0.0259% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 104.7143% | 675 |
| Efficiency ratio | 67.7944% | 2,061 |
| Assets per employee ($millions) | 4.8885% | 3,743 |
| Cash dividends to net income (ytd only)* | 67.2578% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,450 |
| Loan loss allowance to noncurrent loans | 2,459.5238% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,568 |
| Noncurrent loans to loans | 0.0386% | 3,498 |
| Net loans and leases to total assets | 59.5500% | 2,919 |
| Net loans and leases to deposits | 65.8241% | 3,144 |
| Net loans and leases to core deposits | 69.3008% | 3,327 |
| Total domestic deposits to total assets | 90.4700% | 678 |
| Equity capital to assets | 8.6651% | 3,183 |
| Core capital (leverage) ratio | 9.3609% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $179,523,000 | 3,161 |
| Average earning assets | $166,505,000 | 3,160 |
| Average equity | $15,274,500 | 3,348 |
| Average total loans | $107,918,500 | 3,141 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 2,862 |
| Cost of funding earning assets | 0.8609% | 4,133 |
| Net interest margin | 4.2771% | 853 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 3.2713% | 798 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.4251% | 1,028 |
| Return on assets (ROA) | 1.4251% | 1,017 |
| Pretax return on assets | 1.4251% | 1,442 |
| Return on Equity (ROE) | 18.7300% | 498 |
| Retained earnings to average equity (ytd only) | 4.2109% | 2,546 |
| Net charge-offs to loans | 0.0480% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 50.3077% | 1,208 |
| Efficiency ratio | 69.6555% | 2,038 |
| Assets per employee ($millions) | 4.9492% | 3,678 |
| Cash dividends to net income (ytd only)* | 77.5229% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,375 |
| Loan loss allowance to noncurrent loans | 717.2414% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 3,105 |
| Noncurrent loans to loans | 0.1354% | 2,981 |
| Net loans and leases to total assets | 59.5200% | 2,985 |
| Net loans and leases to deposits | 65.5613% | 3,243 |
| Net loans and leases to core deposits | 69.3617% | 3,384 |
| Total domestic deposits to total assets | 90.7900% | 576 |
| Equity capital to assets | 8.3492% | 3,313 |
| Core capital (leverage) ratio | 9.0202% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4995% | 1,678 |
| Memoranda: | ||
| Average total assets | $183,566,800 | 3,099 |
| Average earning assets | $169,929,600 | 3,095 |
| Average equity | $13,963,800 | 3,422 |
| Average total loans | $108,345,800 | 3,127 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 2,933 |
| Cost of funding earning assets | 0.8900% | 4,133 |
| Net interest margin | 4.1762% | 927 |
| Noninterest income to average assets | 0.7300% | 1,048 |
| Noninterest expense to average assets | 3.2115% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.3786% | 1,140 |
| Return on assets (ROA) | 1.3786% | 1,142 |
| Pretax return on assets | 1.3786% | 1,567 |
| Return on Equity (ROE) | 18.5600% | 526 |
| Retained earnings to average equity (ytd only) | 2.1355% | 3,428 |
| Net charge-offs to loans | 0.0626% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 37.4902% | 1,380 |
| Efficiency ratio | 69.9654% | 2,028 |
| Assets per employee ($millions) | 4.6934% | 3,836 |
| Cash dividends to net income (ytd only)* | 88.4937% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 3,204 |
| Loan loss allowance to noncurrent loans | 1,537.6812% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,467 |
| Noncurrent loans to loans | 0.0655% | 3,374 |
| Net loans and leases to total assets | 58.4700% | 3,062 |
| Net loans and leases to deposits | 64.3237% | 3,345 |
| Net loans and leases to core deposits | 68.1982% | 3,477 |
| Total domestic deposits to total assets | 90.9100% | 371 |
| Equity capital to assets | 8.2563% | 3,564 |
| Core capital (leverage) ratio | 8.7714% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1392% | 1,499 |
| Memoranda: | ||
| Average total assets | $184,915,500 | 3,094 |
| Average earning assets | $171,090,250 | 3,091 |
| Average equity | $13,735,750 | 3,450 |
| Average total loans | $108,658,750 | 3,121 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 2,912 |
| Cost of funding earning assets | 0.8581% | 4,146 |
| Net interest margin | 4.1621% | 941 |
| Noninterest income to average assets | 0.7000% | 1,095 |
| Noninterest expense to average assets | 3.0486% | 1,039 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.4441% | 1,008 |
| Return on assets (ROA) | 1.4441% | 1,008 |
| Pretax return on assets | 1.4441% | 1,388 |
| Return on Equity (ROE) | 20.1600% | 447 |
| Retained earnings to average equity (ytd only) | 3.1329% | 2,998 |
| Net charge-offs to loans | 0.0802% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,361 |
| Efficiency ratio | 66.9484% | 2,442 |
| Assets per employee ($millions) | 4.8075% | 3,733 |
| Cash dividends to net income (ytd only)* | 84.4560% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,498 |
| Loan loss allowance to noncurrent loans | 1,405.2632% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,407 |
| Noncurrent loans to loans | 0.0678% | 3,327 |
| Net loans and leases to total assets | 59.1900% | 3,022 |
| Net loans and leases to deposits | 67.1388% | 3,181 |
| Net loans and leases to core deposits | 70.5214% | 3,343 |
| Total domestic deposits to total assets | 88.1600% | 1,268 |
| Equity capital to assets | 7.2770% | 3,826 |
| Core capital (leverage) ratio | 8.4966% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8409% | 1,950 |
| Memoranda: | ||
| Average total assets | $187,104,667 | 3,083 |
| Average earning assets | $173,181,333 | 3,080 |
| Average equity | $13,406,000 | 3,458 |
| Average total loans | $109,762,000 | 3,109 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 3,124 |
| Cost of funding earning assets | 0.6541% | 4,280 |
| Net interest margin | 4.1620% | 900 |
| Noninterest income to average assets | 0.6900% | 1,060 |
| Noninterest expense to average assets | 3.0796% | 999 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.4231% | 1,017 |
| Return on assets (ROA) | 1.4231% | 1,026 |
| Pretax return on assets | 1.4231% | 1,390 |
| Return on Equity (ROE) | 20.0200% | 435 |
| Retained earnings to average equity (ytd only) | 1.6256% | 3,339 |
| Net charge-offs to loans | 0.1326% | 609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,373 |
| Efficiency ratio | 67.5904% | 2,421 |
| Assets per employee ($millions) | 5.3012% | 3,426 |
| Cash dividends to net income (ytd only)* | 91.8797% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 3,864 |
| Loan loss allowance to noncurrent loans | 1,596.7213% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,489 |
| Noncurrent loans to loans | 0.0525% | 3,379 |
| Net loans and leases to total assets | 60.3400% | 2,820 |
| Net loans and leases to deposits | 71.7329% | 2,761 |
| Net loans and leases to core deposits | 75.3974% | 3,017 |
| Total domestic deposits to total assets | 84.1100% | 2,680 |
| Equity capital to assets | 7.0697% | 3,871 |
| Core capital (leverage) ratio | 8.4686% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6834% | 1,644 |
| Memoranda: | ||
| Average total assets | $186,910,000 | 3,088 |
| Average earning assets | $173,667,000 | 3,082 |
| Average equity | $13,287,000 | 3,476 |
| Average total loans | $108,623,500 | 3,129 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,599 |
| Cost of funding earning assets | 0.4559% | 4,243 |
| Net interest margin | 3.7583% | 1,630 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.9975% | 1,129 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.2252% | 1,592 |
| Return on assets (ROA) | 1.2252% | 1,567 |
| Pretax return on assets | 1.2252% | 2,076 |
| Return on Equity (ROE) | 19.1500% | 692 |
| Retained earnings to average equity (ytd only) | 2.7660% | 3,351 |
| Net charge-offs to loans | 0.0329% | 1,639 |
| Credit loss provision to net charge-offs | 60.6061% | 2,144 |
| Earnings coverage of net charge-offs (x) | 69.1515% | 1,102 |
| Efficiency ratio | 70.7586% | 1,785 |
| Assets per employee ($millions) | 4.6917% | 3,838 |
| Cash dividends to net income (ytd only)* | 85.5560% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 3,316 |
| Loan loss allowance to noncurrent loans | 1,771.9298% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 3,451 |
| Noncurrent loans to loans | 0.0564% | 3,314 |
| Net loans and leases to total assets | 54.7100% | 3,296 |
| Net loans and leases to deposits | 59.3882% | 3,561 |
| Net loans and leases to core deposits | 61.9745% | 3,682 |
| Total domestic deposits to total assets | 92.1300% | 287 |
| Equity capital to assets | 7.1495% | 3,875 |
| Core capital (leverage) ratio | 8.4866% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6375% | 1,645 |
| Memoranda: | ||
| Average total assets | $184,220,000 | 3,095 |
| Average earning assets | $171,089,400 | 3,083 |
| Average equity | $11,785,800 | 3,548 |
| Average total loans | $100,337,000 | 3,169 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 3,643 |
| Cost of funding earning assets | 0.4137% | 4,239 |
| Net interest margin | 3.6947% | 1,790 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.9754% | 1,105 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1402% | 1,939 |
| Return on assets (ROA) | 1.1402% | 1,922 |
| Pretax return on assets | 1.1402% | 2,458 |
| Return on Equity (ROE) | 18.3600% | 902 |
| Retained earnings to average equity (ytd only) | 1.7333% | 3,784 |
| Net charge-offs to loans | 0.0173% | 1,787 |
| Credit loss provision to net charge-offs | 153.8462% | 1,307 |
| Earnings coverage of net charge-offs (x) | 123.3077% | 826 |
| Efficiency ratio | 71.9804% | 1,571 |
| Assets per employee ($millions) | 5.1041% | 3,521 |
| Cash dividends to net income (ytd only)* | 90.5577% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 2,788 |
| Loan loss allowance to noncurrent loans | 1,937.5000% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,510 |
| Noncurrent loans to loans | 0.0576% | 3,341 |
| Net loans and leases to total assets | 50.9500% | 3,557 |
| Net loans and leases to deposits | 54.6827% | 3,767 |
| Net loans and leases to core deposits | 56.9508% | 3,815 |
| Total domestic deposits to total assets | 93.1700% | 274 |
| Equity capital to assets | 6.1371% | 3,940 |
| Core capital (leverage) ratio | 8.2971% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0396% | 1,549 |
| Memoranda: | ||
| Average total assets | $184,530,500 | 3,096 |
| Average earning assets | $171,448,500 | 3,089 |
| Average equity | $11,461,750 | 3,579 |
| Average total loans | $100,140,500 | 3,176 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,688 |
| Cost of funding earning assets | 0.3410% | 4,255 |
| Net interest margin | 3.6608% | 1,897 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 2.9592% | 1,109 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1153% | 2,079 |
| Return on assets (ROA) | 1.1153% | 2,071 |
| Pretax return on assets | 1.1153% | 2,603 |
| Return on Equity (ROE) | 17.8800% | 974 |
| Retained earnings to average equity (ytd only) | 0.8232% | 3,941 |
| Net charge-offs to loans | 0.0138% | 1,672 |
| Credit loss provision to net charge-offs | 285.7143% | 885 |
| Earnings coverage of net charge-offs (x) | 149.4286% | 756 |
| Efficiency ratio | 72.1438% | 1,540 |
| Assets per employee ($millions) | 4.6601% | 3,851 |
| Cash dividends to net income (ytd only)* | 95.3967% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,156 |
| Loan loss allowance to noncurrent loans | 1,474.3243% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,378 |
| Noncurrent loans to loans | 0.0717% | 3,187 |
| Net loans and leases to total assets | 54.8100% | 3,207 |
| Net loans and leases to deposits | 58.8391% | 3,492 |
| Net loans and leases to core deposits | 61.0371% | 3,574 |
| Total domestic deposits to total assets | 93.1500% | 231 |
| Equity capital to assets | 6.2429% | 4,090 |
| Core capital (leverage) ratio | 8.3752% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6714% | 1,661 |
| Memoranda: | ||
| Average total assets | $183,090,333 | 3,111 |
| Average earning assets | $170,074,333 | 3,105 |
| Average equity | $11,419,000 | 3,599 |
| Average total loans | $101,088,667 | 3,166 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 3,543 |
| Cost of funding earning assets | 0.2348% | 4,318 |
| Net interest margin | 3.7182% | 1,857 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.9895% | 1,079 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1354% | 2,109 |
| Return on assets (ROA) | 1.1354% | 2,078 |
| Pretax return on assets | 1.1354% | 2,608 |
| Return on Equity (ROE) | 18.1800% | 999 |
| Retained earnings to average equity (ytd only) | 0.1412% | 4,000 |
| Net charge-offs to loans | 0.0280% | 1,135 |
| Credit loss provision to net charge-offs | 214.2857% | 799 |
| Earnings coverage of net charge-offs (x) | 75.7143% | 916 |
| Efficiency ratio | 71.8982% | 1,539 |
| Assets per employee ($millions) | 4.6946% | 3,894 |
| Cash dividends to net income (ytd only)* | 99.2233% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,216 |
| Loan loss allowance to noncurrent loans | 1,410.3896% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,364 |
| Noncurrent loans to loans | 0.0757% | 3,197 |
| Net loans and leases to total assets | 54.9700% | 3,123 |
| Net loans and leases to deposits | 59.0004% | 3,394 |
| Net loans and leases to core deposits | 60.2554% | 3,530 |
| Total domestic deposits to total assets | 93.1700% | 281 |
| Equity capital to assets | 6.3062% | 4,106 |
| Core capital (leverage) ratio | 8.4730% | 4,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6519% | 1,222 |
| Memoranda: | ||
| Average total assets | $181,433,000 | 3,165 |
| Average earning assets | $168,682,000 | 3,163 |
| Average equity | $11,329,500 | 3,642 |
| Average total loans | $100,002,500 | 3,216 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4020% | 3,341 |
| Cost of funding earning assets | 0.1242% | 4,260 |
| Net interest margin | 3.2778% | 2,627 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.7385% | 1,467 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.0276% | 2,468 |
| Return on assets (ROA) | 1.0276% | 2,409 |
| Pretax return on assets | 1.0276% | 2,993 |
| Return on Equity (ROE) | 15.9400% | 1,067 |
| Retained earnings to average equity (ytd only) | 7.0787% | 2,209 |
| Net charge-offs to loans | 0.0194% | 1,711 |
| Credit loss provision to net charge-offs | 352.9412% | 837 |
| Earnings coverage of net charge-offs (x) | 113.0588% | 914 |
| Efficiency ratio | 72.0802% | 1,434 |
| Assets per employee ($millions) | 4.6097% | 3,962 |
| Cash dividends to net income (ytd only)* | 55.5854% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 2,909 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,376 |
| Noncurrent loans to loans | 0.0784% | 3,197 |
| Net loans and leases to total assets | 54.0600% | 3,195 |
| Net loans and leases to deposits | 57.9343% | 3,465 |
| Net loans and leases to core deposits | 58.7570% | 3,568 |
| Total domestic deposits to total assets | 93.3200% | 342 |
| Equity capital to assets | 6.1815% | 4,026 |
| Core capital (leverage) ratio | 8.3933% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1140% | 1,598 |
| Memoranda: | ||
| Average total assets | $181,191,000 | 3,178 |
| Average earning assets | $168,312,000 | 3,175 |
| Average equity | $11,683,000 | 3,698 |
| Average total loans | $87,736,400 | 3,310 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2475% | 3,314 |
| Cost of funding earning assets | 0.1281% | 4,047 |
| Net interest margin | 3.1193% | 2,868 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.6762% | 1,518 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9503% | 2,670 |
| Return on assets (ROA) | 0.9503% | 2,636 |
| Pretax return on assets | 0.9503% | 3,184 |
| Return on Equity (ROE) | 14.5900% | 1,263 |
| Retained earnings to average equity (ytd only) | 7.0355% | 2,349 |
| Net charge-offs to loans | 0.0251% | 1,322 |
| Credit loss provision to net charge-offs | 281.2500% | 842 |
| Earnings coverage of net charge-offs (x) | 83.6875% | 1,022 |
| Efficiency ratio | 73.1286% | 1,373 |
| Assets per employee ($millions) | 4.4189% | 4,110 |
| Cash dividends to net income (ytd only)* | 51.7774% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,575 |
| Loan loss allowance to noncurrent loans | 273.5219% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,207 |
| Noncurrent loans to loans | 0.4356% | 1,720 |
| Net loans and leases to total assets | 47.5400% | 3,668 |
| Net loans and leases to deposits | 50.4520% | 3,826 |
| Net loans and leases to core deposits | 51.3388% | 3,886 |
| Total domestic deposits to total assets | 94.2300% | 329 |
| Equity capital to assets | 5.2739% | 4,197 |
| Core capital (leverage) ratio | 7.8343% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1476% | 1,387 |
| Memoranda: | ||
| Average total assets | $181,544,500 | 3,194 |
| Average earning assets | $168,578,500 | 3,191 |
| Average equity | $11,825,500 | 3,726 |
| Average total loans | $85,102,500 | 3,357 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 3,116 |
| Cost of funding earning assets | 0.1257% | 3,902 |
| Net interest margin | 3.0528% | 2,707 |
| Noninterest income to average assets | 0.7725% | 1,120 |
| Noninterest expense to average assets | 2.6394% | 1,525 |
| Loan and lease loss provision to assets | 0.0333% | 1,991 |
| Net operating income to assets | 0.9312% | 2,440 |
| Return on assets (ROA) | 0.9312% | 2,420 |
| Pretax return on assets | 0.9312% | 2,960 |
| Return on Equity (ROE) | 13.4190% | 1,264 |
| Retained earnings to average equity (ytd only) | 8.2849% | 1,517 |
| Net charge-offs to loans | 0.0311% | 1,101 |
| Credit loss provision to net charge-offs | 230.7692% | 906 |
| Earnings coverage of net charge-offs (x) | 66.8462% | 1,031 |
| Efficiency ratio | 73.2368% | 1,593 |
| Assets per employee ($millions) | 4.0345% | 4,352 |
| Cash dividends to net income (ytd only)* | 38.2598% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,492 |
| Loan loss allowance to noncurrent loans | 1,266.2651% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 3,520 |
| Noncurrent loans to loans | 0.0976% | 3,275 |
| Net loans and leases to total assets | 47.3191% | 3,604 |
| Net loans and leases to deposits | 50.6302% | 3,780 |
| Net loans and leases to core deposits | 51.5670% | 3,841 |
| Total domestic deposits to total assets | 93.4603% | 405 |
| Equity capital to assets | 6.0457% | 4,187 |
| Core capital (leverage) ratio | 7.7598% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6744% | 1,515 |
| Memoranda: | ||
| Average total assets | $180,195,000 | 3,243 |
| Average earning assets | $167,125,333 | 3,245 |
| Average equity | $12,504,667 | 3,735 |
| Average total loans | $83,703,000 | 3,403 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1078% | 2,959 |
| Cost of funding earning assets | 0.1284% | 3,795 |
| Net interest margin | 2.9794% | 2,570 |
| Noninterest income to average assets | 0.7602% | 1,146 |
| Noninterest expense to average assets | 2.6045% | 1,591 |
| Loan and lease loss provision to assets | 0.0331% | 1,776 |
| Net operating income to assets | 0.8836% | 2,343 |
| Return on assets (ROA) | 0.8836% | 2,342 |
| Pretax return on assets | 0.8836% | 2,840 |
| Return on Equity (ROE) | 11.9782% | 1,319 |
| Retained earnings to average equity (ytd only) | 11.9782% | 608 |
| Net charge-offs to loans | 0.0385% | 895 |
| Credit loss provision to net charge-offs | 187.5000% | 794 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 912 |
| Efficiency ratio | 73.9675% | 1,743 |
| Assets per employee ($millions) | 4.5235% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,746 |
| Loan loss allowance to noncurrent loans | 1,488.5714% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 3,650 |
| Noncurrent loans to loans | 0.0821% | 3,429 |
| Net loans and leases to total assets | 46.5433% | 3,530 |
| Net loans and leases to deposits | 50.3443% | 3,705 |
| Net loans and leases to core deposits | 51.3681% | 3,775 |
| Total domestic deposits to total assets | 92.4500% | 420 |
| Equity capital to assets | 7.0504% | 4,191 |
| Core capital (leverage) ratio | 7.7945% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3688% | 1,410 |
| Memoranda: | ||
| Average total assets | $181,534,500 | 3,238 |
| Average earning assets | $168,220,500 | 3,247 |
| Average equity | $13,391,000 | 3,720 |
| Average total loans | $83,029,500 | 3,418 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 807 |
| Cost of funding earning assets | 0.1384% | 4,080 |
| Net interest margin | 4.1929% | 494 |
| Noninterest income to average assets | 0.7360% | 1,638 |
| Noninterest expense to average assets | 2.9959% | 988 |
| Loan and lease loss provision to assets | 0.0803% | 1,528 |
| Net operating income to assets | 1.5511% | 909 |
| Return on assets (ROA) | 1.5511% | 942 |
| Pretax return on assets | 1.5511% | 1,565 |
| Return on Equity (ROE) | 18.1075% | 454 |
| Retained earnings to average equity (ytd only) | 3.8033% | 3,292 |
| Net charge-offs to loans | 0.0193% | 1,892 |
| Credit loss provision to net charge-offs | 794.1176% | 606 |
| Earnings coverage of net charge-offs (x) | 161.4118% | 625 |
| Efficiency ratio | 64.7437% | 2,440 |
| Assets per employee ($millions) | 4.5532% | 4,075 |
| Cash dividends to net income (ytd only)* | 78.9958% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,450 |
| Loan loss allowance to noncurrent loans | 1,361.8421% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,713 |
| Noncurrent loans to loans | 0.0941% | 3,455 |
| Net loans and leases to total assets | 43.7967% | 3,851 |
| Net loans and leases to deposits | 47.7289% | 4,012 |
| Net loans and leases to core deposits | 48.7222% | 4,069 |
| Total domestic deposits to total assets | 91.7613% | 246 |
| Equity capital to assets | 7.7006% | 4,500 |
| Core capital (leverage) ratio | 7.8794% | 4,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2412% | 1,448 |
| Memoranda: | ||
| Average total assets | $168,197,800 | 3,320 |
| Average earning assets | $156,097,800 | 3,317 |
| Average equity | $14,408,400 | 3,697 |
| Average total loans | $87,901,200 | 3,364 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7220% | 471 |
| Cost of funding earning assets | 0.1418% | 4,182 |
| Net interest margin | 4.5802% | 274 |
| Noninterest income to average assets | 0.7382% | 1,702 |
| Noninterest expense to average assets | 3.1375% | 776 |
| Loan and lease loss provision to assets | 0.0971% | 1,233 |
| Net operating income to assets | 1.7662% | 723 |
| Return on assets (ROA) | 1.7662% | 753 |
| Pretax return on assets | 1.7662% | 1,244 |
| Return on Equity (ROE) | 20.0580% | 424 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,502 |
| Net charge-offs to loans | 0.0223% | 1,604 |
| Credit loss provision to net charge-offs | 800.0000% | 590 |
| Earnings coverage of net charge-offs (x) | 153.4667% | 671 |
| Efficiency ratio | 62.7388% | 2,573 |
| Assets per employee ($millions) | 4.4918% | 4,128 |
| Cash dividends to net income (ytd only)* | 78.9643% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,263 |
| Loan loss allowance to noncurrent loans | 1,381.0811% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 3,875 |
| Noncurrent loans to loans | 0.0824% | 3,674 |
| Net loans and leases to total assets | 50.6847% | 3,322 |
| Net loans and leases to deposits | 55.7268% | 3,606 |
| Net loans and leases to core deposits | 57.0436% | 3,698 |
| Total domestic deposits to total assets | 90.9522% | 384 |
| Equity capital to assets | 8.2680% | 4,372 |
| Core capital (leverage) ratio | 8.0127% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6044% | 1,758 |
| Memoranda: | ||
| Average total assets | $164,715,250 | 3,382 |
| Average earning assets | $153,293,500 | 3,376 |
| Average equity | $14,504,250 | 3,736 |
| Average total loans | $89,676,250 | 3,383 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4290% | 188 |
| Cost of funding earning assets | 0.1428% | 4,264 |
| Net interest margin | 5.2862% | 123 |
| Noninterest income to average assets | 0.7443% | 1,684 |
| Noninterest expense to average assets | 3.3617% | 565 |
| Loan and lease loss provision to assets | 0.1303% | 957 |
| Net operating income to assets | 2.1671% | 362 |
| Return on assets (ROA) | 2.1671% | 381 |
| Pretax return on assets | 2.1671% | 612 |
| Return on Equity (ROE) | 24.0783% | 229 |
| Retained earnings to average equity (ytd only) | 4.9893% | 3,188 |
| Net charge-offs to loans | -0.0045% | 3,400 |
| Credit loss provision to net charge-offs | -5,250.0000% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4038% | 3,094 |
| Assets per employee ($millions) | 4.6051% | 4,013 |
| Cash dividends to net income (ytd only)* | 79.2788% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,567 |
| Loan loss allowance to noncurrent loans | 1,089.3617% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,853 |
| Noncurrent loans to loans | 0.0978% | 3,695 |
| Net loans and leases to total assets | 57.3853% | 2,741 |
| Net loans and leases to deposits | 63.2568% | 3,078 |
| Net loans and leases to core deposits | 64.7349% | 3,216 |
| Total domestic deposits to total assets | 90.7180% | 475 |
| Equity capital to assets | 8.6607% | 4,080 |
| Core capital (leverage) ratio | 8.1066% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,226,667 | 3,426 |
| Average earning assets | $149,899,667 | 3,416 |
| Average equity | $14,511,000 | 3,739 |
| Average total loans | $89,631,000 | 3,406 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4080% | 212 |
| Cost of funding earning assets | 0.1434% | 4,351 |
| Net interest margin | 5.2646% | 139 |
| Noninterest income to average assets | 0.7323% | 1,768 |
| Noninterest expense to average assets | 3.3143% | 591 |
| Loan and lease loss provision to assets | 0.2265% | 504 |
| Net operating income to assets | 2.0887% | 501 |
| Return on assets (ROA) | 2.0887% | 540 |
| Pretax return on assets | 2.0887% | 821 |
| Return on Equity (ROE) | 22.7592% | 348 |
| Retained earnings to average equity (ytd only) | 22.7592% | 185 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8735% | 3,176 |
| Assets per employee ($millions) | 4.5573% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,485 |
| Loan loss allowance to noncurrent loans | 997.0297% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 3,935 |
| Noncurrent loans to loans | 0.1093% | 3,762 |
| Net loans and leases to total assets | 55.7116% | 3,076 |
| Net loans and leases to deposits | 61.6354% | 3,359 |
| Net loans and leases to core deposits | 63.1135% | 3,489 |
| Total domestic deposits to total assets | 90.3889% | 621 |
| Equity capital to assets | 9.0820% | 3,609 |
| Core capital (leverage) ratio | 9.0375% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,948,500 | 3,446 |
| Average earning assets | $147,856,000 | 3,442 |
| Average equity | $14,587,500 | 3,734 |
| Average total loans | $86,367,000 | 3,465 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1192% | 2,370 |
| Cost of funding earning assets | 0.1763% | 4,659 |
| Net interest margin | 3.9429% | 1,108 |
| Noninterest income to average assets | 0.8206% | 1,476 |
| Noninterest expense to average assets | 3.1330% | 1,174 |
| Loan and lease loss provision to assets | 0.0885% | 3,256 |
| Net operating income to assets | 1.2326% | 1,438 |
| Return on assets (ROA) | 1.2326% | 1,547 |
| Pretax return on assets | 1.2326% | 2,214 |
| Return on Equity (ROE) | 12.6814% | 1,126 |
| Retained earnings to average equity (ytd only) | 2.5249% | 3,584 |
| Net charge-offs to loans | 0.0408% | 2,241 |
| Credit loss provision to net charge-offs | 400.0000% | 1,431 |
| Earnings coverage of net charge-offs (x) | 59.7188% | 1,074 |
| Efficiency ratio | 70.3399% | 1,903 |
| Assets per employee ($millions) | 3.9445% | 4,413 |
| Cash dividends to net income (ytd only)* | 80.0897% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,244 |
| Loan loss allowance to noncurrent loans | 1,054.0230% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,056 |
| Noncurrent loans to loans | 0.1083% | 3,859 |
| Net loans and leases to total assets | 51.6193% | 3,695 |
| Net loans and leases to deposits | 57.1716% | 3,934 |
| Net loans and leases to core deposits | 58.6347% | 4,019 |
| Total domestic deposits to total assets | 90.2884% | 454 |
| Equity capital to assets | 9.2794% | 3,810 |
| Core capital (leverage) ratio | 8.6924% | 4,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,652,400 | 3,460 |
| Average earning assets | $133,302,000 | 3,465 |
| Average equity | $14,060,000 | 3,749 |
| Average total loans | $78,493,000 | 3,583 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 2,232 |
| Cost of funding earning assets | 0.1799% | 4,729 |
| Net interest margin | 4.0758% | 938 |
| Noninterest income to average assets | 0.8336% | 1,386 |
| Noninterest expense to average assets | 3.2331% | 1,012 |
| Loan and lease loss provision to assets | 0.1061% | 2,993 |
| Net operating income to assets | 1.2494% | 1,486 |
| Return on assets (ROA) | 1.2494% | 1,599 |
| Pretax return on assets | 1.2494% | 2,225 |
| Return on Equity (ROE) | 12.6988% | 1,194 |
| Retained earnings to average equity (ytd only) | 2.5036% | 3,741 |
| Net charge-offs to loans | 0.0103% | 2,735 |
| Credit loss provision to net charge-offs | 1,883.3333% | 504 |
| Earnings coverage of net charge-offs (x) | 241.1667% | 430 |
| Efficiency ratio | 70.4634% | 1,822 |
| Assets per employee ($millions) | 3.7722% | 4,499 |
| Cash dividends to net income (ytd only)* | 80.2849% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,346 |
| Loan loss allowance to noncurrent loans | 850.4587% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,072 |
| Noncurrent loans to loans | 0.1262% | 3,876 |
| Net loans and leases to total assets | 56.6165% | 3,561 |
| Net loans and leases to deposits | 62.8597% | 3,874 |
| Net loans and leases to core deposits | 65.3177% | 3,937 |
| Total domestic deposits to total assets | 90.0681% | 404 |
| Equity capital to assets | 9.4203% | 3,750 |
| Core capital (leverage) ratio | 8.6492% | 4,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $142,356,500 | 3,469 |
| Average earning assets | $131,145,500 | 3,486 |
| Average equity | $14,006,250 | 3,762 |
| Average total loans | $78,034,750 | 3,606 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4354% | 2,109 |
| Cost of funding earning assets | 0.1869% | 4,794 |
| Net interest margin | 4.2485% | 827 |
| Noninterest income to average assets | 0.8329% | 1,338 |
| Noninterest expense to average assets | 3.2800% | 1,028 |
| Loan and lease loss provision to assets | 0.1405% | 2,606 |
| Net operating income to assets | 1.3232% | 1,300 |
| Return on assets (ROA) | 1.3232% | 1,398 |
| Pretax return on assets | 1.3232% | 1,951 |
| Return on Equity (ROE) | 13.2453% | 1,044 |
| Retained earnings to average equity (ytd only) | 2.6979% | 3,504 |
| Net charge-offs to loans | 0.0106% | 2,570 |
| Credit loss provision to net charge-offs | 2,450.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 255.2500% | 365 |
| Efficiency ratio | 69.1448% | 2,068 |
| Assets per employee ($millions) | 3.8455% | 4,437 |
| Cash dividends to net income (ytd only)* | 79.6316% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,140 |
| Loan loss allowance to noncurrent loans | 963.1579% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,222 |
| Noncurrent loans to loans | 0.1129% | 3,997 |
| Net loans and leases to total assets | 54.1185% | 3,865 |
| Net loans and leases to deposits | 62.8278% | 3,962 |
| Net loans and leases to core deposits | 65.3471% | 4,002 |
| Total domestic deposits to total assets | 86.1377% | 1,950 |
| Equity capital to assets | 9.1854% | 3,936 |
| Core capital (leverage) ratio | 8.8520% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,513,000 | 3,486 |
| Average earning assets | $128,422,000 | 3,491 |
| Average equity | $13,937,000 | 3,777 |
| Average total loans | $75,261,667 | 3,663 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,331 |
| Cost of funding earning assets | 0.2011% | 4,888 |
| Net interest margin | 3.9663% | 1,487 |
| Noninterest income to average assets | 0.9429% | 972 |
| Noninterest expense to average assets | 3.3424% | 1,151 |
| Loan and lease loss provision to assets | 0.0393% | 3,284 |
| Net operating income to assets | 1.1967% | 1,526 |
| Return on assets (ROA) | 1.1967% | 1,640 |
| Pretax return on assets | 1.1967% | 2,208 |
| Return on Equity (ROE) | 11.4443% | 1,279 |
| Retained earnings to average equity (ytd only) | 11.4443% | 495 |
| Net charge-offs to loans | 0.0113% | 2,180 |
| Credit loss provision to net charge-offs | 650.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 204.5000% | 340 |
| Efficiency ratio | 73.0033% | 1,935 |
| Assets per employee ($millions) | 3.2548% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,869 |
| Loan loss allowance to noncurrent loans | 3,617.3913% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,550 |
| Noncurrent loans to loans | 0.0321% | 4,434 |
| Net loans and leases to total assets | 53.0331% | 4,053 |
| Net loans and leases to deposits | 59.6878% | 4,212 |
| Net loans and leases to core deposits | 61.4980% | 4,292 |
| Total domestic deposits to total assets | 88.8508% | 731 |
| Equity capital to assets | 10.6748% | 3,170 |
| Core capital (leverage) ratio | 10.1260% | 3,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,359,500 | 3,559 |
| Average earning assets | $121,323,500 | 3,561 |
| Average equity | $13,841,000 | 3,792 |
| Average total loans | $70,812,500 | 3,747 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,901 |
| Cost of funding earning assets | 0.1800% | 4,997 |
| Net interest margin | 3.9839% | 1,901 |
| Noninterest income to average assets | 0.9886% | 992 |
| Noninterest expense to average assets | 3.2551% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3857% | 1,390 |
| Return on assets (ROA) | 1.3857% | 1,473 |
| Pretax return on assets | 1.3857% | 2,219 |
| Return on Equity (ROE) | 14.0287% | 890 |
| Retained earnings to average equity (ytd only) | 2.7615% | 3,655 |
| Net charge-offs to loans | 0.0448% | 2,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 61.3000% | 965 |
| Efficiency ratio | 70.1413% | 2,148 |
| Assets per employee ($millions) | 3.2018% | 4,700 |
| Cash dividends to net income (ytd only)* | 80.3154% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,581 |
| Loan loss allowance to noncurrent loans | 3,040.7407% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,554 |
| Noncurrent loans to loans | 0.0386% | 4,410 |
| Net loans and leases to total assets | 52.7157% | 4,169 |
| Net loans and leases to deposits | 59.0496% | 4,330 |
| Net loans and leases to core deposits | 60.9119% | 4,401 |
| Total domestic deposits to total assets | 89.2736% | 569 |
| Equity capital to assets | 10.2358% | 3,692 |
| Core capital (leverage) ratio | 9.8167% | 3,713 |
| Tier 1 risk-based capital ratio | 17.4276% | 1,915 |
| Total risk-based capital ratio | 18.5339% | 1,914 |
| Memoranda: | ||
| Average total assets | $132,714,200 | 3,529 |
| Average earning assets | $121,666,000 | 3,540 |
| Average equity | $13,108,800 | 3,879 |
| Average total loans | $67,028,000 | 3,835 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1339% | 4,077 |
| Cost of funding earning assets | 0.1705% | 5,087 |
| Net interest margin | 3.9634% | 2,063 |
| Noninterest income to average assets | 0.9829% | 965 |
| Noninterest expense to average assets | 3.2422% | 1,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3746% | 1,553 |
| Return on assets (ROA) | 1.3746% | 1,626 |
| Pretax return on assets | 1.3746% | 2,405 |
| Return on Equity (ROE) | 14.0426% | 973 |
| Retained earnings to average equity (ytd only) | 2.7840% | 3,980 |
| Net charge-offs to loans | 0.0382% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 72.2183% | 924 |
| Efficiency ratio | 70.2257% | 2,086 |
| Assets per employee ($millions) | 3.3134% | 4,660 |
| Cash dividends to net income (ytd only)* | 80.1748% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,429 |
| Loan loss allowance to noncurrent loans | 3,328.0000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,652 |
| Noncurrent loans to loans | 0.0365% | 4,494 |
| Net loans and leases to total assets | 50.9975% | 4,373 |
| Net loans and leases to deposits | 57.0707% | 4,512 |
| Net loans and leases to core deposits | 58.9585% | 4,565 |
| Total domestic deposits to total assets | 89.3584% | 492 |
| Equity capital to assets | 10.0697% | 3,945 |
| Core capital (leverage) ratio | 9.8693% | 3,764 |
| Tier 1 risk-based capital ratio | 17.8753% | 1,856 |
| Total risk-based capital ratio | 19.0336% | 1,829 |
| Memoranda: | ||
| Average total assets | $133,074,250 | 3,561 |
| Average earning assets | $122,012,250 | 3,573 |
| Average equity | $13,026,750 | 3,922 |
| Average total loans | $66,279,250 | 3,890 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 4,166 |
| Cost of funding earning assets | 0.1601% | 5,146 |
| Net interest margin | 3.9384% | 2,126 |
| Noninterest income to average assets | 0.9726% | 922 |
| Noninterest expense to average assets | 3.2134% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3778% | 1,486 |
| Return on assets (ROA) | 1.3778% | 1,546 |
| Pretax return on assets | 1.3778% | 2,272 |
| Return on Equity (ROE) | 14.2102% | 932 |
| Retained earnings to average equity (ytd only) | 2.7244% | 3,839 |
| Net charge-offs to loans | 0.0214% | 2,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 131.1429% | 559 |
| Efficiency ratio | 69.9902% | 2,228 |
| Assets per employee ($millions) | 3.1395% | 4,816 |
| Cash dividends to net income (ytd only)* | 80.8279% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,025 |
| Loan loss allowance to noncurrent loans | 4,220.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,717 |
| Noncurrent loans to loans | 0.0307% | 4,564 |
| Net loans and leases to total assets | 48.6899% | 4,536 |
| Net loans and leases to deposits | 54.4565% | 4,667 |
| Net loans and leases to core deposits | 56.1403% | 4,710 |
| Total domestic deposits to total assets | 89.4107% | 504 |
| Equity capital to assets | 10.0266% | 3,956 |
| Core capital (leverage) ratio | 9.8077% | 3,819 |
| Tier 1 risk-based capital ratio | 18.6161% | 1,639 |
| Total risk-based capital ratio | 19.8487% | 1,608 |
| Memoranda: | ||
| Average total assets | $133,253,670 | 3,580 |
| Average earning assets | $122,435,670 | 3,592 |
| Average equity | $12,920,330 | 3,946 |
| Average total loans | $65,565,000 | 3,934 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 4,215 |
| Cost of funding earning assets | 0.1522% | 5,208 |
| Net interest margin | 3.9158% | 2,141 |
| Noninterest income to average assets | 0.9436% | 935 |
| Noninterest expense to average assets | 3.1803% | 1,544 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3736% | 1,445 |
| Return on assets (ROA) | 1.3736% | 1,481 |
| Pretax return on assets | 1.3736% | 2,174 |
| Return on Equity (ROE) | 14.4088% | 876 |
| Retained earnings to average equity (ytd only) | 14.4088% | 322 |
| Net charge-offs to loans | 0.0061% | 2,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 460.0000% | 167 |
| Efficiency ratio | 69.8361% | 2,368 |
| Assets per employee ($millions) | 3.2291% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,128 |
| Loan loss allowance to noncurrent loans | 2,931.0345% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 4,748 |
| Noncurrent loans to loans | 0.0441% | 4,565 |
| Net loans and leases to total assets | 49.0679% | 4,524 |
| Net loans and leases to deposits | 54.7559% | 4,654 |
| Net loans and leases to core deposits | 56.3602% | 4,697 |
| Total domestic deposits to total assets | 89.6121% | 595 |
| Equity capital to assets | 9.8872% | 3,931 |
| Core capital (leverage) ratio | 9.8486% | 3,766 |
| Tier 1 risk-based capital ratio | 19.0336% | 1,537 |
| Total risk-based capital ratio | 20.2752% | 1,511 |
| Memoranda: | ||
| Average total assets | $133,951,000 | 3,609 |
| Average earning assets | $123,500,500 | 3,606 |
| Average equity | $12,770,000 | 3,975 |
| Average total loans | $65,824,500 | 3,969 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,923 |
| Cost of funding earning assets | 0.1342% | 5,218 |
| Net interest margin | 3.9028% | 2,315 |
| Noninterest income to average assets | 1.1894% | 649 |
| Noninterest expense to average assets | 3.1760% | 1,609 |
| Loan and lease loss provision to assets | 0.0224% | 3,722 |
| Net operating income to assets | 1.5973% | 874 |
| Return on assets (ROA) | 1.5973% | 864 |
| Pretax return on assets | 1.5973% | 1,477 |
| Return on Equity (ROE) | 17.3300% | 461 |
| Retained earnings to average equity (ytd only) | 3.2423% | 3,780 |
| Net charge-offs to loans | 0.0077% | 3,409 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | 433.6000% | 243 |
| Efficiency ratio | 66.2253% | 2,835 |
| Assets per employee ($millions) | 3.2264% | 4,803 |
| Cash dividends to net income (ytd only)* | 81.2909% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 2,081 |
| Loan loss allowance to noncurrent loans | 3,700.0000% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,804 |
| Noncurrent loans to loans | 0.0349% | 4,618 |
| Net loans and leases to total assets | 47.9566% | 4,642 |
| Net loans and leases to deposits | 53.1097% | 4,781 |
| Net loans and leases to core deposits | 54.5689% | 4,831 |
| Total domestic deposits to total assets | 90.2973% | 381 |
| Equity capital to assets | 9.1876% | 4,417 |
| Core capital (leverage) ratio | 9.3429% | 4,308 |
| Tier 1 risk-based capital ratio | 18.1168% | 1,727 |
| Total risk-based capital ratio | 19.3434% | 1,690 |
| Memoranda: | ||
| Average total assets | $133,848,600 | 3,596 |
| Average earning assets | $123,679,400 | 3,593 |
| Average equity | $12,337,000 | 3,984 |
| Average total loans | $65,180,000 | 3,981 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,970 |
| Cost of funding earning assets | 0.1297% | 5,278 |
| Net interest margin | 3.8550% | 2,457 |
| Noninterest income to average assets | 1.2540% | 610 |
| Noninterest expense to average assets | 3.1525% | 1,635 |
| Loan and lease loss provision to assets | 0.0230% | 3,560 |
| Net operating income to assets | 1.6427% | 854 |
| Return on assets (ROA) | 1.6427% | 865 |
| Pretax return on assets | 1.6427% | 1,439 |
| Return on Equity (ROE) | 17.8081% | 447 |
| Retained earnings to average equity (ytd only) | 3.1197% | 4,188 |
| Net charge-offs to loans | 0.0082% | 3,122 |
| Credit loss provision to net charge-offs | 575.0000% | 622 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 225 |
| Efficiency ratio | 65.4293% | 2,969 |
| Assets per employee ($millions) | 3.1687% | 4,911 |
| Cash dividends to net income (ytd only)* | 82.4814% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 2,255 |
| Loan loss allowance to noncurrent loans | 2,011.9048% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,832 |
| Noncurrent loans to loans | 0.0631% | 4,606 |
| Net loans and leases to total assets | 48.2048% | 4,709 |
| Net loans and leases to deposits | 53.2675% | 4,847 |
| Net loans and leases to core deposits | 54.7141% | 4,887 |
| Total domestic deposits to total assets | 90.4957% | 348 |
| Equity capital to assets | 8.9179% | 4,618 |
| Core capital (leverage) ratio | 9.3221% | 4,372 |
| Tier 1 risk-based capital ratio | 17.9008% | 1,819 |
| Total risk-based capital ratio | 19.1151% | 1,791 |
| Memoranda: | ||
| Average total assets | $133,433,750 | 3,632 |
| Average earning assets | $123,369,250 | 3,633 |
| Average equity | $12,308,750 | 4,023 |
| Average total loans | $65,016,000 | 4,018 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,896 |
| Cost of funding earning assets | 0.1209% | 5,339 |
| Net interest margin | 3.8398% | 2,420 |
| Noninterest income to average assets | 1.3495% | 526 |
| Noninterest expense to average assets | 3.1081% | 1,767 |
| Loan and lease loss provision to assets | 0.0226% | 3,466 |
| Net operating income to assets | 1.7661% | 629 |
| Return on assets (ROA) | 1.7661% | 633 |
| Pretax return on assets | 1.7661% | 1,046 |
| Return on Equity (ROE) | 18.9300% | 337 |
| Retained earnings to average equity (ytd only) | 3.2197% | 3,960 |
| Net charge-offs to loans | 0.0155% | 2,624 |
| Credit loss provision to net charge-offs | 300.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 371 |
| Efficiency ratio | 63.4710% | 3,391 |
| Assets per employee ($millions) | 3.1618% | 4,967 |
| Cash dividends to net income (ytd only)* | 82.9915% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 2,271 |
| Loan loss allowance to noncurrent loans | 1,990.4762% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 4,871 |
| Noncurrent loans to loans | 0.0643% | 4,635 |
| Net loans and leases to total assets | 48.5752% | 4,684 |
| Net loans and leases to deposits | 53.8340% | 4,852 |
| Net loans and leases to core deposits | 55.1962% | 4,888 |
| Total domestic deposits to total assets | 90.2315% | 492 |
| Equity capital to assets | 9.1601% | 4,423 |
| Core capital (leverage) ratio | 9.6477% | 3,947 |
| Tier 1 risk-based capital ratio | 17.9804% | 1,805 |
| Total risk-based capital ratio | 19.1958% | 1,781 |
| Memoranda: | ||
| Average total assets | $132,493,670 | 3,668 |
| Average earning assets | $122,401,330 | 3,663 |
| Average equity | $12,361,330 | 4,029 |
| Average total loans | $64,512,670 | 4,058 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 3,868 |
| Cost of funding earning assets | 0.1178% | 5,400 |
| Net interest margin | 3.8043% | 2,409 |
| Noninterest income to average assets | 1.0307% | 857 |
| Noninterest expense to average assets | 3.0255% | 2,010 |
| Loan and lease loss provision to assets | 0.0242% | 3,208 |
| Net operating income to assets | 1.4961% | 1,090 |
| Return on assets (ROA) | 1.4961% | 1,096 |
| Pretax return on assets | 1.4961% | 1,693 |
| Return on Equity (ROE) | 15.8909% | 640 |
| Retained earnings to average equity (ytd only) | 15.8909% | 254 |
| Net charge-offs to loans | 0.0187% | 2,130 |
| Credit loss provision to net charge-offs | 266.6667% | 882 |
| Earnings coverage of net charge-offs (x) | 167.6667% | 386 |
| Efficiency ratio | 66.5559% | 3,072 |
| Assets per employee ($millions) | 3.2737% | 4,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 2,125 |
| Loan loss allowance to noncurrent loans | 2,444.1176% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0260% | 4,988 |
| Noncurrent loans to loans | 0.0542% | 4,735 |
| Net loans and leases to total assets | 47.2798% | 4,734 |
| Net loans and leases to deposits | 52.5828% | 4,860 |
| Net loans and leases to core deposits | 53.2544% | 4,940 |
| Total domestic deposits to total assets | 89.9151% | 696 |
| Equity capital to assets | 9.5946% | 4,004 |
| Core capital (leverage) ratio | 9.6381% | 3,918 |
| Tier 1 risk-based capital ratio | 18.9578% | 1,558 |
| Total risk-based capital ratio | 20.2018% | 1,525 |
| Memoranda: | ||
| Average total assets | $132,343,500 | 3,708 |
| Average earning assets | $122,282,000 | 3,706 |
| Average equity | $12,460,000 | 4,053 |
| Average total loans | $64,098,500 | 4,093 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,390 |
| Cost of funding earning assets | 0.1216% | 5,403 |
| Net interest margin | 3.8831% | 2,141 |
| Noninterest income to average assets | 0.9909% | 1,041 |
| Noninterest expense to average assets | 3.3534% | 1,285 |
| Loan and lease loss provision to assets | 0.0230% | 3,840 |
| Net operating income to assets | 1.1839% | 1,568 |
| Return on assets (ROA) | 1.1839% | 1,589 |
| Pretax return on assets | 1.1839% | 2,831 |
| Return on Equity (ROE) | 12.3968% | 1,106 |
| Retained earnings to average equity (ytd only) | 2.6862% | 3,706 |
| Net charge-offs to loans | 0.0295% | 3,213 |
| Credit loss provision to net charge-offs | 157.8947% | 1,691 |
| Earnings coverage of net charge-offs (x) | 82.9474% | 747 |
| Efficiency ratio | 73.5348% | 1,975 |
| Assets per employee ($millions) | 3.5194% | 4,669 |
| Cash dividends to net income (ytd only)* | 78.3312% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,416 |
| Loan loss allowance to noncurrent loans | 960.4651% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,803 |
| Noncurrent loans to loans | 0.1314% | 4,404 |
| Net loans and leases to total assets | 48.3240% | 4,745 |
| Net loans and leases to deposits | 53.5696% | 4,917 |
| Net loans and leases to core deposits | 54.2359% | 4,995 |
| Total domestic deposits to total assets | 90.2078% | 495 |
| Equity capital to assets | 9.2389% | 4,490 |
| Core capital (leverage) ratio | 9.2494% | 4,346 |
| Tier 1 risk-based capital ratio | 17.6015% | 1,921 |
| Total risk-based capital ratio | 18.7963% | 1,884 |
| Memoranda: | ||
| Average total assets | $130,582,200 | 3,740 |
| Average earning assets | $120,032,200 | 3,747 |
| Average equity | $12,471,000 | 4,060 |
| Average total loans | $64,510,200 | 4,088 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 3,376 |
| Cost of funding earning assets | 0.1363% | 5,390 |
| Net interest margin | 3.8591% | 2,190 |
| Noninterest income to average assets | 0.9985% | 1,027 |
| Noninterest expense to average assets | 3.3550% | 1,237 |
| Loan and lease loss provision to assets | 0.0236% | 3,675 |
| Net operating income to assets | 1.1680% | 1,806 |
| Return on assets (ROA) | 1.1680% | 1,854 |
| Pretax return on assets | 1.1680% | 3,027 |
| Return on Equity (ROE) | 12.1279% | 1,304 |
| Retained earnings to average equity (ytd only) | 2.5067% | 4,392 |
| Net charge-offs to loans | 0.0187% | 3,118 |
| Credit loss provision to net charge-offs | 255.5556% | 1,113 |
| Earnings coverage of net charge-offs (x) | 128.8858% | 598 |
| Efficiency ratio | 73.7912% | 1,928 |
| Assets per employee ($millions) | 2.9663% | 5,284 |
| Cash dividends to net income (ytd only)* | 79.3319% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 2,643 |
| Loan loss allowance to noncurrent loans | 2,512.1212% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,120 |
| Noncurrent loans to loans | 0.0498% | 4,887 |
| Net loans and leases to total assets | 50.1529% | 4,687 |
| Net loans and leases to deposits | 55.9345% | 4,877 |
| Net loans and leases to core deposits | 56.6382% | 4,965 |
| Total domestic deposits to total assets | 89.6636% | 595 |
| Equity capital to assets | 9.7534% | 4,188 |
| Core capital (leverage) ratio | 9.4177% | 4,268 |
| Tier 1 risk-based capital ratio | 17.3733% | 2,045 |
| Total risk-based capital ratio | 18.5667% | 2,012 |
| Memoranda: | ||
| Average total assets | $129,793,000 | 3,787 |
| Average earning assets | $119,335,250 | 3,793 |
| Average equity | $12,499,750 | 4,097 |
| Average total loans | $64,274,250 | 4,125 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 3,307 |
| Cost of funding earning assets | 0.1243% | 5,482 |
| Net interest margin | 3.8488% | 2,102 |
| Noninterest income to average assets | 0.9865% | 1,049 |
| Noninterest expense to average assets | 3.4349% | 1,106 |
| Loan and lease loss provision to assets | 0.0232% | 3,528 |
| Net operating income to assets | 1.0668% | 2,134 |
| Return on assets (ROA) | 1.0668% | 2,179 |
| Pretax return on assets | 1.0668% | 3,309 |
| Return on Equity (ROE) | 11.1245% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.0607% | 4,430 |
| Net charge-offs to loans | 0.0252% | 2,710 |
| Credit loss provision to net charge-offs | 187.5000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 88.2500% | 710 |
| Efficiency ratio | 75.9127% | 1,734 |
| Assets per employee ($millions) | 2.8007% | 5,416 |
| Cash dividends to net income (ytd only)* | 81.4761% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,567 |
| Loan loss allowance to noncurrent loans | 5,137.5000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 5,243 |
| Noncurrent loans to loans | 0.0247% | 5,064 |
| Net loans and leases to total assets | 49.5560% | 4,736 |
| Net loans and leases to deposits | 55.2523% | 4,894 |
| Net loans and leases to core deposits | 55.6748% | 5,012 |
| Total domestic deposits to total assets | 89.6904% | 649 |
| Equity capital to assets | 9.7755% | 4,147 |
| Core capital (leverage) ratio | 9.3688% | 4,269 |
| Tier 1 risk-based capital ratio | 17.6060% | 1,973 |
| Total risk-based capital ratio | 18.8160% | 1,939 |
| Memoranda: | ||
| Average total assets | $129,551,000 | 3,810 |
| Average earning assets | $119,102,330 | 3,824 |
| Average equity | $12,423,000 | 4,124 |
| Average total loans | $63,603,000 | 4,156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,399 |
| Cost of funding earning assets | 0.1203% | 5,561 |
| Net interest margin | 3.7808% | 2,183 |
| Noninterest income to average assets | 0.9730% | 1,052 |
| Noninterest expense to average assets | 3.4886% | 1,061 |
| Loan and lease loss provision to assets | 0.0216% | 3,302 |
| Net operating income to assets | 0.9453% | 2,540 |
| Return on assets (ROA) | 0.9453% | 2,600 |
| Pretax return on assets | 0.9453% | 3,607 |
| Return on Equity (ROE) | 9.9534% | 1,983 |
| Retained earnings to average equity (ytd only) | 9.9534% | 814 |
| Net charge-offs to loans | 0.0381% | 2,039 |
| Credit loss provision to net charge-offs | 116.6667% | 1,426 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 873 |
| Efficiency ratio | 78.2999% | 1,590 |
| Assets per employee ($millions) | 2.4495% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,697 |
| Loan loss allowance to noncurrent loans | 3,885.7143% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 5,284 |
| Noncurrent loans to loans | 0.0326% | 5,072 |
| Net loans and leases to total assets | 48.9274% | 4,756 |
| Net loans and leases to deposits | 54.4330% | 4,908 |
| Net loans and leases to core deposits | 54.8438% | 5,029 |
| Total domestic deposits to total assets | 89.8855% | 710 |
| Equity capital to assets | 9.6331% | 4,149 |
| Core capital (leverage) ratio | 9.4093% | 4,225 |
| Tier 1 risk-based capital ratio | 18.0863% | 1,844 |
| Total risk-based capital ratio | 19.3021% | 1,817 |
| Memoranda: | ||
| Average total assets | $129,910,500 | 3,840 |
| Average earning assets | $119,657,000 | 3,840 |
| Average equity | $12,337,500 | 4,157 |
| Average total loans | $63,071,500 | 4,206 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,427 |
| Cost of funding earning assets | 0.1315% | 5,537 |
| Net interest margin | 3.8062% | 2,301 |
| Noninterest income to average assets | 0.9539% | 1,254 |
| Noninterest expense to average assets | 3.3436% | 1,481 |
| Loan and lease loss provision to assets | 0.0225% | 3,923 |
| Net operating income to assets | 1.0635% | 2,071 |
| Return on assets (ROA) | 1.0635% | 2,173 |
| Pretax return on assets | 1.0635% | 3,244 |
| Return on Equity (ROE) | 11.1878% | 1,511 |
| Retained earnings to average equity (ytd only) | 2.2186% | 4,271 |
| Net charge-offs to loans | 0.0530% | 2,975 |
| Credit loss provision to net charge-offs | 90.9091% | 2,777 |
| Earnings coverage of net charge-offs (x) | 43.8485% | 1,102 |
| Efficiency ratio | 75.4829% | 2,070 |
| Assets per employee ($millions) | 2.5000% | 5,657 |
| Cash dividends to net income (ytd only)* | 80.1694% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,439 |
| Loan loss allowance to noncurrent loans | 1,940.4762% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.0323% | 5,241 |
| Noncurrent loans to loans | 0.0680% | 4,968 |
| Net loans and leases to total assets | 46.9184% | 4,961 |
| Net loans and leases to deposits | 52.0245% | 5,123 |
| Net loans and leases to core deposits | 52.4139% | 5,210 |
| Total domestic deposits to total assets | 90.1852% | 567 |
| Equity capital to assets | 9.3609% | 4,413 |
| Core capital (leverage) ratio | 9.0351% | 4,698 |
| Tier 1 risk-based capital ratio | 18.0159% | 1,844 |
| Total risk-based capital ratio | 19.2567% | 1,806 |
| Memoranda: | ||
| Average total assets | $133,238,000 | 3,780 |
| Average earning assets | $121,670,800 | 3,797 |
| Average equity | $12,665,600 | 4,142 |
| Average total loans | $62,312,000 | 4,217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,474 |
| Cost of funding earning assets | 0.1320% | 5,602 |
| Net interest margin | 3.8030% | 2,318 |
| Noninterest income to average assets | 0.9230% | 1,336 |
| Noninterest expense to average assets | 3.3022% | 1,563 |
| Loan and lease loss provision to assets | 0.0229% | 3,788 |
| Net operating income to assets | 1.0663% | 2,138 |
| Return on assets (ROA) | 1.0663% | 2,244 |
| Pretax return on assets | 1.0663% | 3,369 |
| Return on Equity (ROE) | 11.1754% | 1,607 |
| Retained earnings to average equity (ytd only) | 2.1892% | 4,600 |
| Net charge-offs to loans | 0.0619% | 2,472 |
| Credit loss provision to net charge-offs | 79.3103% | 2,672 |
| Earnings coverage of net charge-offs (x) | 37.7543% | 1,284 |
| Efficiency ratio | 75.1982% | 2,077 |
| Assets per employee ($millions) | 2.5241% | 5,712 |
| Cash dividends to net income (ytd only)* | 80.4100% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,752 |
| Loan loss allowance to noncurrent loans | 3,119.2308% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,440 |
| Noncurrent loans to loans | 0.0413% | 5,197 |
| Net loans and leases to total assets | 46.4703% | 5,063 |
| Net loans and leases to deposits | 53.1947% | 5,154 |
| Net loans and leases to core deposits | 53.4319% | 5,246 |
| Total domestic deposits to total assets | 87.3589% | 1,729 |
| Equity capital to assets | 9.6541% | 4,508 |
| Core capital (leverage) ratio | 8.8961% | 4,948 |
| Tier 1 risk-based capital ratio | 17.7149% | 1,997 |
| Total risk-based capital ratio | 18.9364% | 1,970 |
| Memoranda: | ||
| Average total assets | $134,048,000 | 3,791 |
| Average earning assets | $122,251,250 | 3,811 |
| Average equity | $12,789,750 | 4,159 |
| Average total loans | $62,438,000 | 4,240 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,408 |
| Cost of funding earning assets | 0.1294% | 5,695 |
| Net interest margin | 3.8253% | 2,225 |
| Noninterest income to average assets | 0.9110% | 1,343 |
| Noninterest expense to average assets | 3.2459% | 1,701 |
| Loan and lease loss provision to assets | 0.0224% | 3,681 |
| Net operating income to assets | 1.1257% | 1,867 |
| Return on assets (ROA) | 1.1257% | 1,977 |
| Pretax return on assets | 1.1257% | 3,103 |
| Return on Equity (ROE) | 11.8450% | 1,374 |
| Retained earnings to average equity (ytd only) | 2.1337% | 4,505 |
| Net charge-offs to loans | 0.0675% | 2,224 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 36.6667% | 1,222 |
| Efficiency ratio | 73.8717% | 2,378 |
| Assets per employee ($millions) | 2.2518% | 5,879 |
| Cash dividends to net income (ytd only)* | 81.9868% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2916% | 2,834 |
| Loan loss allowance to noncurrent loans | 1,503.7037% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 5,419 |
| Noncurrent loans to loans | 0.0859% | 5,107 |
| Net loans and leases to total assets | 45.9317% | 5,130 |
| Net loans and leases to deposits | 53.3751% | 5,168 |
| Net loans and leases to core deposits | 53.6135% | 5,298 |
| Total domestic deposits to total assets | 86.0546% | 2,396 |
| Equity capital to assets | 9.5207% | 4,750 |
| Core capital (leverage) ratio | 8.8643% | 4,984 |
| Tier 1 risk-based capital ratio | 17.4579% | 2,076 |
| Total risk-based capital ratio | 18.6708% | 2,057 |
| Memoranda: | ||
| Average total assets | $134,138,000 | 3,809 |
| Average earning assets | $122,135,670 | 3,844 |
| Average equity | $12,748,000 | 4,193 |
| Average total loans | $62,258,000 | 4,277 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 3,360 |
| Cost of funding earning assets | 0.1247% | 5,790 |
| Net interest margin | 3.8362% | 2,152 |
| Noninterest income to average assets | 0.9098% | 1,288 |
| Noninterest expense to average assets | 3.2232% | 1,784 |
| Loan and lease loss provision to assets | 0.0239% | 3,370 |
| Net operating income to assets | 1.1612% | 1,671 |
| Return on assets (ROA) | 1.1612% | 1,780 |
| Pretax return on assets | 1.1612% | 2,844 |
| Return on Equity (ROE) | 12.2296% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.2296% | 475 |
| Net charge-offs to loans | 0.1227% | 1,374 |
| Credit loss provision to net charge-offs | 42.1053% | 2,131 |
| Earnings coverage of net charge-offs (x) | 20.8421% | 1,452 |
| Efficiency ratio | 73.1161% | 2,617 |
| Assets per employee ($millions) | 2.5507% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,996 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,567 |
| Noncurrent loans to loans | 0.0414% | 5,330 |
| Net loans and leases to total assets | 46.7807% | 5,065 |
| Net loans and leases to deposits | 54.0628% | 5,098 |
| Net loans and leases to core deposits | 54.3070% | 5,229 |
| Total domestic deposits to total assets | 86.5303% | 2,430 |
| Equity capital to assets | 9.8245% | 4,307 |
| Core capital (leverage) ratio | 9.0769% | 4,762 |
| Tier 1 risk-based capital ratio | 17.6982% | 2,068 |
| Total risk-based capital ratio | 18.8930% | 2,055 |
| Memoranda: | ||
| Average total assets | $133,654,500 | 3,842 |
| Average earning assets | $121,893,000 | 3,877 |
| Average equity | $12,690,500 | 4,211 |
| Average total loans | $61,953,000 | 4,314 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 3,333 |
| Cost of funding earning assets | 0.1530% | 5,667 |
| Net interest margin | 3.8399% | 2,232 |
| Noninterest income to average assets | 0.9863% | 1,214 |
| Noninterest expense to average assets | 3.2634% | 1,803 |
| Loan and lease loss provision to assets | 0.0223% | 3,939 |
| Net operating income to assets | 1.2046% | 1,528 |
| Return on assets (ROA) | 1.2046% | 1,601 |
| Pretax return on assets | 1.2046% | 2,645 |
| Return on Equity (ROE) | 13.1221% | 1,029 |
| Retained earnings to average equity (ytd only) | 2.8963% | 3,993 |
| Net charge-offs to loans | 0.0164% | 3,954 |
| Credit loss provision to net charge-offs | 300.0000% | 982 |
| Earnings coverage of net charge-offs (x) | 165.2000% | 392 |
| Efficiency ratio | 72.6761% | 2,793 |
| Assets per employee ($millions) | 2.4939% | 5,893 |
| Cash dividends to net income (ytd only)* | 77.9285% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,710 |
| Loan loss allowance to noncurrent loans | 997.5610% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 5,413 |
| Noncurrent loans to loans | 0.1343% | 4,952 |
| Net loans and leases to total assets | 44.7260% | 5,245 |
| Net loans and leases to deposits | 49.4593% | 5,418 |
| Net loans and leases to core deposits | 49.6689% | 5,517 |
| Total domestic deposits to total assets | 90.4300% | 459 |
| Equity capital to assets | 9.1705% | 4,947 |
| Core capital (leverage) ratio | 8.5228% | 5,400 |
| Tier 1 risk-based capital ratio | 17.4661% | 2,135 |
| Total risk-based capital ratio | 18.7029% | 2,092 |
| Memoranda: | ||
| Average total assets | $134,646,200 | 3,805 |
| Average earning assets | $122,866,200 | 3,820 |
| Average equity | $12,360,800 | 4,232 |
| Average total loans | $61,034,600 | 4,349 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 3,377 |
| Cost of funding earning assets | 0.1596% | 5,712 |
| Net interest margin | 3.8318% | 2,263 |
| Noninterest income to average assets | 0.9705% | 1,256 |
| Noninterest expense to average assets | 3.2382% | 1,857 |
| Loan and lease loss provision to assets | 0.0228% | 3,818 |
| Net operating income to assets | 1.2052% | 1,635 |
| Return on assets (ROA) | 1.2052% | 1,706 |
| Pretax return on assets | 1.2052% | 2,800 |
| Return on Equity (ROE) | 13.1244% | 1,096 |
| Retained earnings to average equity (ytd only) | 2.9764% | 4,330 |
| Net charge-offs to loans | 0.0306% | 3,314 |
| Credit loss provision to net charge-offs | 164.2857% | 1,567 |
| Earnings coverage of net charge-offs (x) | 88.5533% | 697 |
| Efficiency ratio | 72.5055% | 2,789 |
| Assets per employee ($millions) | 2.5276% | 5,948 |
| Cash dividends to net income (ytd only)* | 77.3214% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 3,327 |
| Loan loss allowance to noncurrent loans | 2,129.7297% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 5,681 |
| Noncurrent loans to loans | 0.0590% | 5,383 |
| Net loans and leases to total assets | 45.3461% | 5,271 |
| Net loans and leases to deposits | 51.4896% | 5,392 |
| Net loans and leases to core deposits | 51.7098% | 5,516 |
| Total domestic deposits to total assets | 88.0685% | 1,520 |
| Equity capital to assets | 9.1678% | 5,148 |
| Core capital (leverage) ratio | 8.5704% | 5,494 |
| Tier 1 risk-based capital ratio | 17.5032% | 2,185 |
| Total risk-based capital ratio | 18.7057% | 2,158 |
| Memoranda: | ||
| Average total assets | $134,640,000 | 3,849 |
| Average earning assets | $122,828,750 | 3,865 |
| Average equity | $12,363,500 | 4,287 |
| Average total loans | $61,030,500 | 4,397 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,311 |
| Cost of funding earning assets | 0.1639% | 5,748 |
| Net interest margin | 3.8317% | 2,197 |
| Noninterest income to average assets | 0.9759% | 1,232 |
| Noninterest expense to average assets | 3.2696% | 1,792 |
| Loan and lease loss provision to assets | 0.0224% | 3,683 |
| Net operating income to assets | 1.1729% | 1,686 |
| Return on assets (ROA) | 1.1729% | 1,758 |
| Pretax return on assets | 1.1729% | 2,885 |
| Return on Equity (ROE) | 12.7663% | 1,168 |
| Retained earnings to average equity (ytd only) | 2.9236% | 4,177 |
| Net charge-offs to loans | 0.0364% | 2,951 |
| Credit loss provision to net charge-offs | 136.3636% | 1,636 |
| Earnings coverage of net charge-offs (x) | 72.8182% | 759 |
| Efficiency ratio | 73.2286% | 2,797 |
| Assets per employee ($millions) | 2.3859% | 6,090 |
| Cash dividends to net income (ytd only)* | 77.0992% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,510 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,730 |
| Noncurrent loans to loans | 0.0718% | 5,445 |
| Net loans and leases to total assets | 46.3038% | 5,222 |
| Net loans and leases to deposits | 51.2284% | 5,431 |
| Net loans and leases to core deposits | 51.4457% | 5,560 |
| Total domestic deposits to total assets | 90.3869% | 502 |
| Equity capital to assets | 9.1626% | 5,068 |
| Core capital (leverage) ratio | 8.5891% | 5,451 |
| Tier 1 risk-based capital ratio | 16.8656% | 2,459 |
| Total risk-based capital ratio | 18.0268% | 2,451 |
| Memoranda: | ||
| Average total assets | $134,024,000 | 3,892 |
| Average earning assets | $122,035,670 | 3,911 |
| Average equity | $12,313,670 | 4,325 |
| Average total loans | $60,480,670 | 4,447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9311% | 3,495 |
| Cost of funding earning assets | 0.1708% | 5,763 |
| Net interest margin | 3.7604% | 2,390 |
| Noninterest income to average assets | 0.9625% | 1,211 |
| Noninterest expense to average assets | 3.2451% | 1,856 |
| Loan and lease loss provision to assets | 0.0238% | 3,397 |
| Net operating income to assets | 1.1056% | 1,851 |
| Return on assets (ROA) | 1.1056% | 1,956 |
| Pretax return on assets | 1.1056% | 3,046 |
| Return on Equity (ROE) | 12.0167% | 1,346 |
| Retained earnings to average equity (ytd only) | 12.0167% | 573 |
| Net charge-offs to loans | -0.0269% | 5,185 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1826% | 2,787 |
| Assets per employee ($millions) | 2.4503% | 6,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 3,348 |
| Loan loss allowance to noncurrent loans | 681.8966% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 5,590 |
| Noncurrent loans to loans | 0.1920% | 5,095 |
| Net loans and leases to total assets | 44.2459% | 5,334 |
| Net loans and leases to deposits | 49.0253% | 5,512 |
| Net loans and leases to core deposits | 49.2309% | 5,625 |
| Total domestic deposits to total assets | 90.2512% | 628 |
| Equity capital to assets | 9.3422% | 4,916 |
| Core capital (leverage) ratio | 8.7728% | 5,234 |
| Tier 1 risk-based capital ratio | 17.4799% | 2,310 |
| Total risk-based capital ratio | 18.6756% | 2,280 |
| Memoranda: | ||
| Average total assets | $134,231,500 | 3,919 |
| Average earning assets | $121,796,500 | 3,941 |
| Average equity | $12,349,500 | 4,349 |
| Average total loans | $59,396,500 | 4,510 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,274 |
| Cost of funding earning assets | 0.2005% | 5,741 |
| Net interest margin | 3.9142% | 2,183 |
| Noninterest income to average assets | 1.0904% | 1,019 |
| Noninterest expense to average assets | 3.4460% | 1,612 |
| Loan and lease loss provision to assets | 0.0314% | 3,971 |
| Net operating income to assets | 1.1625% | 1,708 |
| Return on assets (ROA) | 1.1625% | 1,783 |
| Pretax return on assets | 1.1625% | 2,814 |
| Return on Equity (ROE) | 12.4536% | 1,275 |
| Retained earnings to average equity (ytd only) | 2.6032% | 4,389 |
| Net charge-offs to loans | -0.0035% | 5,428 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2693% | 2,793 |
| Assets per employee ($millions) | 2.1918% | 6,313 |
| Cash dividends to net income (ytd only)* | 79.0964% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 3,254 |
| Loan loss allowance to noncurrent loans | 701.8018% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 5,694 |
| Noncurrent loans to loans | 0.1902% | 5,146 |
| Net loans and leases to total assets | 43.0784% | 5,534 |
| Net loans and leases to deposits | 47.5705% | 5,709 |
| Net loans and leases to core deposits | 47.7701% | 5,823 |
| Total domestic deposits to total assets | 90.5571% | 518 |
| Equity capital to assets | 9.0570% | 5,227 |
| Core capital (leverage) ratio | 8.5702% | 5,478 |
| Tier 1 risk-based capital ratio | 16.4202% | 2,750 |
| Total risk-based capital ratio | 17.5630% | 2,751 |
| Memoranda: | ||
| Average total assets | $127,568,400 | 4,026 |
| Average earning assets | $115,682,000 | 4,057 |
| Average equity | $11,908,200 | 4,375 |
| Average total loans | $56,755,800 | 4,590 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1362% | 3,230 |
| Cost of funding earning assets | 0.2061% | 5,772 |
| Net interest margin | 3.9301% | 2,117 |
| Noninterest income to average assets | 1.0864% | 1,032 |
| Noninterest expense to average assets | 3.4751% | 1,511 |
| Loan and lease loss provision to assets | 0.0243% | 3,924 |
| Net operating income to assets | 1.1573% | 1,834 |
| Return on assets (ROA) | 1.1573% | 1,898 |
| Pretax return on assets | 1.1573% | 2,961 |
| Return on Equity (ROE) | 12.3008% | 1,398 |
| Retained earnings to average equity (ytd only) | 2.5861% | 4,747 |
| Net charge-offs to loans | -0.0166% | 5,563 |
| Credit loss provision to net charge-offs | -328.5714% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6252% | 2,713 |
| Assets per employee ($millions) | 2.3868% | 6,304 |
| Cash dividends to net income (ytd only)* | 78.9762% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 3,495 |
| Loan loss allowance to noncurrent loans | 1,144.7761% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 5,933 |
| Noncurrent loans to loans | 0.1163% | 5,577 |
| Net loans and leases to total assets | 44.9531% | 5,456 |
| Net loans and leases to deposits | 49.8995% | 5,657 |
| Net loans and leases to core deposits | 50.1216% | 5,782 |
| Total domestic deposits to total assets | 90.0872% | 694 |
| Equity capital to assets | 9.4361% | 4,880 |
| Core capital (leverage) ratio | 8.8291% | 5,297 |
| Tier 1 risk-based capital ratio | 16.7690% | 2,700 |
| Total risk-based capital ratio | 17.9265% | 2,695 |
| Memoranda: | ||
| Average total assets | $126,036,000 | 4,087 |
| Average earning assets | $114,498,000 | 4,120 |
| Average equity | $11,858,000 | 4,413 |
| Average total loans | $56,351,250 | 4,649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 3,248 |
| Cost of funding earning assets | 0.2086% | 5,842 |
| Net interest margin | 3.9153% | 2,095 |
| Noninterest income to average assets | 1.0931% | 994 |
| Noninterest expense to average assets | 3.5001% | 1,476 |
| Loan and lease loss provision to assets | 0.0238% | 3,800 |
| Net operating income to assets | 1.1169% | 1,869 |
| Return on assets (ROA) | 1.1169% | 1,945 |
| Pretax return on assets | 1.1169% | 3,023 |
| Return on Equity (ROE) | 11.8834% | 1,460 |
| Retained earnings to average equity (ytd only) | 2.5187% | 4,599 |
| Net charge-offs to loans | -0.0751% | 6,053 |
| Credit loss provision to net charge-offs | -71.4286% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4194% | 2,743 |
| Assets per employee ($millions) | 2.3040% | 6,397 |
| Cash dividends to net income (ytd only)* | 78.8051% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 3,616 |
| Loan loss allowance to noncurrent loans | 278.0576% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,448 |
| Noncurrent loans to loans | 0.4836% | 4,549 |
| Net loans and leases to total assets | 44.7545% | 5,480 |
| Net loans and leases to deposits | 49.6263% | 5,663 |
| Net loans and leases to core deposits | 49.7365% | 5,808 |
| Total domestic deposits to total assets | 90.1829% | 715 |
| Equity capital to assets | 9.3657% | 4,887 |
| Core capital (leverage) ratio | 8.7509% | 5,338 |
| Tier 1 risk-based capital ratio | 16.3258% | 2,918 |
| Total risk-based capital ratio | 17.4698% | 2,918 |
| Memoranda: | ||
| Average total assets | $125,880,330 | 4,118 |
| Average earning assets | $114,066,670 | 4,149 |
| Average equity | $11,831,670 | 4,430 |
| Average total loans | $55,923,670 | 4,696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,314 |
| Cost of funding earning assets | 0.2146% | 5,887 |
| Net interest margin | 3.8772% | 2,167 |
| Noninterest income to average assets | 1.1031% | 915 |
| Noninterest expense to average assets | 3.4911% | 1,505 |
| Loan and lease loss provision to assets | 0.0255% | 3,500 |
| Net operating income to assets | 1.0999% | 1,815 |
| Return on assets (ROA) | 1.0999% | 1,876 |
| Pretax return on assets | 1.0999% | 2,896 |
| Return on Equity (ROE) | 11.6816% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.6816% | 654 |
| Net charge-offs to loans | -0.1523% | 6,297 |
| Credit loss provision to net charge-offs | -38.0952% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6215% | 2,855 |
| Assets per employee ($millions) | 2.2465% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 3,794 |
| Loan loss allowance to noncurrent loans | 396.3731% | 1,166 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 5,778 |
| Noncurrent loans to loans | 0.3430% | 5,084 |
| Net loans and leases to total assets | 44.1225% | 5,496 |
| Net loans and leases to deposits | 49.0340% | 5,666 |
| Net loans and leases to core deposits | 49.1439% | 5,816 |
| Total domestic deposits to total assets | 89.9835% | 1,085 |
| Equity capital to assets | 9.5889% | 4,371 |
| Core capital (leverage) ratio | 9.0803% | 4,893 |
| Tier 1 risk-based capital ratio | 16.8475% | 2,760 |
| Total risk-based capital ratio | 17.9953% | 2,755 |
| Memoranda: | ||
| Average total assets | $125,461,500 | 4,155 |
| Average earning assets | $113,690,000 | 4,185 |
| Average equity | $11,813,500 | 4,443 |
| Average total loans | $55,143,000 | 4,757 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 3,262 |
| Cost of funding earning assets | 0.2691% | 5,839 |
| Net interest margin | 3.9536% | 2,092 |
| Noninterest income to average assets | 1.1776% | 1,020 |
| Noninterest expense to average assets | 3.5360% | 1,579 |
| Loan and lease loss provision to assets | 0.0332% | 4,455 |
| Net operating income to assets | 1.1922% | 1,601 |
| Return on assets (ROA) | 1.1922% | 1,669 |
| Pretax return on assets | 1.1922% | 2,609 |
| Return on Equity (ROE) | 12.5043% | 1,275 |
| Retained earnings to average equity (ytd only) | 2.2271% | 4,663 |
| Net charge-offs to loans | 0.1559% | 3,243 |
| Credit loss provision to net charge-offs | 47.6744% | 3,870 |
| Earnings coverage of net charge-offs (x) | 17.5814% | 1,704 |
| Efficiency ratio | 74.2638% | 3,094 |
| Assets per employee ($millions) | 2.0854% | 6,616 |
| Cash dividends to net income (ytd only)* | 82.1890% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 3,834 |
| Loan loss allowance to noncurrent loans | 465.8228% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 5,902 |
| Noncurrent loans to loans | 0.2925% | 5,309 |
| Net loans and leases to total assets | 42.5812% | 5,784 |
| Net loans and leases to deposits | 47.1145% | 5,945 |
| Net loans and leases to core deposits | 47.2197% | 6,080 |
| Total domestic deposits to total assets | 90.3781% | 887 |
| Equity capital to assets | 9.2423% | 4,756 |
| Core capital (leverage) ratio | 8.7649% | 5,341 |
| Tier 1 risk-based capital ratio | 16.9206% | 2,644 |
| Total risk-based capital ratio | 18.0651% | 2,656 |
| Memoranda: | ||
| Average total assets | $123,388,400 | 4,203 |
| Average earning assets | $111,848,200 | 4,225 |
| Average equity | $11,764,000 | 4,492 |
| Average total loans | $55,169,200 | 4,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2228% | 3,304 |
| Cost of funding earning assets | 0.2818% | 5,875 |
| Net interest margin | 3.9409% | 2,142 |
| Noninterest income to average assets | 1.1559% | 1,100 |
| Noninterest expense to average assets | 3.5318% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2026% | 1,627 |
| Return on assets (ROA) | 1.2026% | 1,697 |
| Pretax return on assets | 1.2026% | 2,684 |
| Return on Equity (ROE) | 12.5159% | 1,351 |
| Retained earnings to average equity (ytd only) | 2.0991% | 5,065 |
| Net charge-offs to loans | 0.1202% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 22.1783% | 1,510 |
| Efficiency ratio | 74.5992% | 2,966 |
| Assets per employee ($millions) | 2.2507% | 6,616 |
| Cash dividends to net income (ytd only)* | 83.2284% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 4,392 |
| Loan loss allowance to noncurrent loans | 432.5444% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 6,041 |
| Noncurrent loans to loans | 0.3005% | 5,482 |
| Net loans and leases to total assets | 44.8361% | 5,644 |
| Net loans and leases to deposits | 49.6885% | 5,856 |
| Net loans and leases to core deposits | 49.8008% | 6,027 |
| Total domestic deposits to total assets | 90.2343% | 873 |
| Equity capital to assets | 9.2769% | 4,830 |
| Core capital (leverage) ratio | 8.9563% | 5,185 |
| Tier 1 risk-based capital ratio | 16.2987% | 3,037 |
| Total risk-based capital ratio | 17.4011% | 3,066 |
| Memoranda: | ||
| Average total assets | $122,955,250 | 4,251 |
| Average earning assets | $111,646,000 | 4,267 |
| Average equity | $11,814,000 | 4,534 |
| Average total loans | $55,458,000 | 4,807 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 3,216 |
| Cost of funding earning assets | 0.2872% | 5,925 |
| Net interest margin | 3.9476% | 2,053 |
| Noninterest income to average assets | 1.1282% | 1,194 |
| Noninterest expense to average assets | 3.5557% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1575% | 1,708 |
| Return on assets (ROA) | 1.1575% | 1,826 |
| Pretax return on assets | 1.1575% | 2,852 |
| Return on Equity (ROE) | 11.9088% | 1,524 |
| Retained earnings to average equity (ytd only) | 1.8282% | 5,101 |
| Net charge-offs to loans | 0.0833% | 3,534 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 30.8696% | 1,124 |
| Efficiency ratio | 75.4410% | 2,869 |
| Assets per employee ($millions) | 2.2962% | 6,640 |
| Cash dividends to net income (ytd only)* | 84.6479% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,160 |
| Loan loss allowance to noncurrent loans | 592.9688% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 6,181 |
| Noncurrent loans to loans | 0.2314% | 5,728 |
| Net loans and leases to total assets | 44.8312% | 5,658 |
| Net loans and leases to deposits | 49.7474% | 5,862 |
| Net loans and leases to core deposits | 49.8615% | 6,028 |
| Total domestic deposits to total assets | 90.1176% | 964 |
| Equity capital to assets | 9.4190% | 4,689 |
| Core capital (leverage) ratio | 8.8507% | 5,223 |
| Tier 1 risk-based capital ratio | 16.3057% | 3,033 |
| Total risk-based capital ratio | 17.4592% | 3,031 |
| Memoranda: | ||
| Average total assets | $122,676,670 | 4,286 |
| Average earning assets | $111,409,330 | 4,303 |
| Average equity | $11,924,000 | 4,551 |
| Average total loans | $55,199,330 | 4,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,434 |
| Cost of funding earning assets | 0.2928% | 6,025 |
| Net interest margin | 3.8746% | 2,200 |
| Noninterest income to average assets | 1.1269% | 1,177 |
| Noninterest expense to average assets | 3.5757% | 1,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0750% | 1,952 |
| Return on assets (ROA) | 1.0750% | 2,060 |
| Pretax return on assets | 1.0750% | 3,045 |
| Return on Equity (ROE) | 10.8931% | 1,740 |
| Retained earnings to average equity (ytd only) | 10.8931% | 900 |
| Net charge-offs to loans | -0.0073% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8855% | 2,782 |
| Assets per employee ($millions) | 2.0813% | 6,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,311 |
| Loan loss allowance to noncurrent loans | 349.1071% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 6,023 |
| Noncurrent loans to loans | 0.3968% | 5,423 |
| Net loans and leases to total assets | 45.3330% | 5,507 |
| Net loans and leases to deposits | 50.6004% | 5,742 |
| Net loans and leases to core deposits | 50.7156% | 5,916 |
| Total domestic deposits to total assets | 89.5902% | 1,303 |
| Equity capital to assets | 9.9733% | 4,183 |
| Core capital (leverage) ratio | 9.0038% | 4,880 |
| Tier 1 risk-based capital ratio | 16.5688% | 2,967 |
| Total risk-based capital ratio | 17.7520% | 2,960 |
| Memoranda: | ||
| Average total assets | $123,164,500 | 4,326 |
| Average earning assets | $112,012,500 | 4,335 |
| Average equity | $12,154,500 | 4,549 |
| Average total loans | $55,139,500 | 4,884 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 3,886 |
| Cost of funding earning assets | 0.3918% | 5,972 |
| Net interest margin | 3.9902% | 2,432 |
| Noninterest income to average assets | 1.1475% | 1,187 |
| Noninterest expense to average assets | 3.4936% | 1,825 |
| Loan and lease loss provision to assets | 0.0089% | 5,807 |
| Net operating income to assets | 1.2513% | 1,446 |
| Return on assets (ROA) | 1.2513% | 1,603 |
| Pretax return on assets | 1.2513% | 2,599 |
| Return on Equity (ROE) | 12.7622% | 1,291 |
| Retained earnings to average equity (ytd only) | 2.0582% | 4,776 |
| Net charge-offs to loans | 0.0194% | 5,637 |
| Credit loss provision to net charge-offs | 110.0000% | 2,657 |
| Earnings coverage of net charge-offs (x) | 155.5000% | 270 |
| Efficiency ratio | 73.4913% | 3,157 |
| Assets per employee ($millions) | 2.3308% | 6,754 |
| Cash dividends to net income (ytd only)* | 83.8731% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 3,937 |
| Loan loss allowance to noncurrent loans | 294.7170% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 6,023 |
| Noncurrent loans to loans | 0.4923% | 5,302 |
| Net loans and leases to total assets | 42.9431% | 5,903 |
| Net loans and leases to deposits | 47.7992% | 6,121 |
| Net loans and leases to core deposits | 47.7992% | 6,278 |
| Total domestic deposits to total assets | 89.8406% | 1,046 |
| Equity capital to assets | 9.7644% | 4,507 |
| Core capital (leverage) ratio | 8.6366% | 5,415 |
| Tier 1 risk-based capital ratio | 16.4938% | 2,895 |
| Total risk-based capital ratio | 17.7067% | 2,883 |
| Memoranda: | ||
| Average total assets | $123,396,600 | 4,284 |
| Average earning assets | $111,522,400 | 4,304 |
| Average equity | $12,098,200 | 4,551 |
| Average total loans | $51,578,000 | 5,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 3,926 |
| Cost of funding earning assets | 0.4103% | 6,062 |
| Net interest margin | 4.0191% | 2,422 |
| Noninterest income to average assets | 1.0776% | 1,297 |
| Noninterest expense to average assets | 3.4348% | 1,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.2743% | 1,506 |
| Return on assets (ROA) | 1.2743% | 1,658 |
| Pretax return on assets | 1.2743% | 2,695 |
| Return on Equity (ROE) | 12.9836% | 1,344 |
| Retained earnings to average equity (ytd only) | 1.9161% | 5,376 |
| Net charge-offs to loans | -0.0026% | 6,218 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9401% | 3,155 |
| Assets per employee ($millions) | 2.2231% | 6,908 |
| Cash dividends to net income (ytd only)* | 85.2420% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 4,086 |
| Loan loss allowance to noncurrent loans | 514.4737% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 6,408 |
| Noncurrent loans to loans | 0.2850% | 5,920 |
| Net loans and leases to total assets | 42.9746% | 6,041 |
| Net loans and leases to deposits | 47.9789% | 6,260 |
| Net loans and leases to core deposits | 47.9789% | 6,411 |
| Total domestic deposits to total assets | 89.5698% | 1,086 |
| Equity capital to assets | 9.9861% | 4,511 |
| Core capital (leverage) ratio | 8.8422% | 5,278 |
| Tier 1 risk-based capital ratio | 16.5823% | 2,952 |
| Total risk-based capital ratio | 17.8118% | 2,933 |
| Memoranda: | ||
| Average total assets | $123,363,000 | 4,323 |
| Average earning assets | $111,466,250 | 4,350 |
| Average equity | $12,107,250 | 4,588 |
| Average total loans | $51,015,250 | 5,128 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 3,955 |
| Cost of funding earning assets | 0.4279% | 6,111 |
| Net interest margin | 4.0287% | 2,387 |
| Noninterest income to average assets | 1.0426% | 1,341 |
| Noninterest expense to average assets | 3.3574% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3223% | 1,383 |
| Return on assets (ROA) | 1.3223% | 1,534 |
| Pretax return on assets | 1.3223% | 2,470 |
| Return on Equity (ROE) | 13.5509% | 1,218 |
| Retained earnings to average equity (ytd only) | 2.0210% | 5,187 |
| Net charge-offs to loans | -0.0080% | 6,241 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7444% | 3,476 |
| Assets per employee ($millions) | 2.1369% | 7,002 |
| Cash dividends to net income (ytd only)* | 85.0856% | 693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 3,835 |
| Loan loss allowance to noncurrent loans | 380.5825% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 6,368 |
| Noncurrent loans to loans | 0.4040% | 5,723 |
| Net loans and leases to total assets | 41.2142% | 6,256 |
| Net loans and leases to deposits | 45.9275% | 6,444 |
| Net loans and leases to core deposits | 45.9275% | 6,577 |
| Total domestic deposits to total assets | 89.7377% | 1,084 |
| Equity capital to assets | 9.8592% | 4,531 |
| Core capital (leverage) ratio | 8.7003% | 5,381 |
| Tier 1 risk-based capital ratio | 16.9362% | 2,695 |
| Total risk-based capital ratio | 18.1870% | 2,657 |
| Memoranda: | ||
| Average total assets | $123,727,330 | 4,337 |
| Average earning assets | $111,697,330 | 4,371 |
| Average equity | $12,073,000 | 4,585 |
| Average total loans | $50,244,670 | 5,184 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3988% | 4,346 |
| Cost of funding earning assets | 0.4463% | 6,169 |
| Net interest margin | 3.9526% | 2,705 |
| Noninterest income to average assets | 1.0009% | 1,418 |
| Noninterest expense to average assets | 3.3235% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2575% | 1,584 |
| Return on assets (ROA) | 1.2575% | 1,754 |
| Pretax return on assets | 1.2575% | 2,699 |
| Return on Equity (ROE) | 12.9533% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.9533% | 689 |
| Net charge-offs to loans | -0.0321% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5490% | 3,332 |
| Assets per employee ($millions) | 2.3138% | 6,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5151% | 4,081 |
| Loan loss allowance to noncurrent loans | 441.0112% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 6,525 |
| Noncurrent loans to loans | 0.3436% | 5,984 |
| Net loans and leases to total assets | 41.6087% | 6,229 |
| Net loans and leases to deposits | 46.4155% | 6,395 |
| Net loans and leases to core deposits | 46.4155% | 6,538 |
| Total domestic deposits to total assets | 89.6439% | 1,272 |
| Equity capital to assets | 10.0014% | 4,122 |
| Core capital (leverage) ratio | 8.9296% | 4,946 |
| Tier 1 risk-based capital ratio | 17.1598% | 2,620 |
| Total risk-based capital ratio | 18.4095% | 2,581 |
| Memoranda: | ||
| Average total assets | $124,688,500 | 4,347 |
| Average earning assets | $112,939,500 | 4,357 |
| Average equity | $12,105,000 | 4,590 |
| Average total loans | $49,874,500 | 5,233 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6294% | 4,549 |
| Cost of funding earning assets | 0.5653% | 6,264 |
| Net interest margin | 4.0642% | 2,589 |
| Noninterest income to average assets | 1.0668% | 1,177 |
| Noninterest expense to average assets | 3.6897% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0282% | 2,095 |
| Return on assets (ROA) | 1.0274% | 2,247 |
| Pretax return on assets | 1.0274% | 3,132 |
| Return on Equity (ROE) | 10.3442% | 1,939 |
| Retained earnings to average equity (ytd only) | 2.3962% | 4,512 |
| Net charge-offs to loans | 0.0206% | 6,154 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 122.7000% | 268 |
| Efficiency ratio | 78.2060% | 2,562 |
| Assets per employee ($millions) | 2.2633% | 7,041 |
| Cash dividends to net income (ytd only)* | 76.8352% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,467 |
| Loan loss allowance to noncurrent loans | 400.5128% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 6,561 |
| Noncurrent loans to loans | 0.4068% | 5,900 |
| Net loans and leases to total assets | 37.2065% | 6,688 |
| Net loans and leases to deposits | 41.2305% | 6,822 |
| Net loans and leases to core deposits | 42.5905% | 6,866 |
| Total domestic deposits to total assets | 90.2402% | 855 |
| Equity capital to assets | 9.4245% | 4,996 |
| Core capital (leverage) ratio | 8.7070% | 5,241 |
| Tier 1 risk-based capital ratio | 17.0946% | 2,554 |
| Total risk-based capital ratio | 18.3456% | 2,516 |
| Memoranda: | ||
| Average total assets | $119,333,200 | 4,416 |
| Average earning assets | $107,205,000 | 4,472 |
| Average equity | $11,852,000 | 4,582 |
| Average total loans | $48,506,400 | 5,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 4,373 |
| Cost of funding earning assets | 0.5913% | 6,320 |
| Net interest margin | 4.1253% | 2,373 |
| Noninterest income to average assets | 1.0282% | 1,275 |
| Noninterest expense to average assets | 3.6306% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1031% | 1,954 |
| Return on assets (ROA) | 1.1031% | 2,097 |
| Pretax return on assets | 1.1031% | 2,993 |
| Return on Equity (ROE) | 10.9561% | 1,878 |
| Retained earnings to average equity (ytd only) | 2.4122% | 4,916 |
| Net charge-offs to loans | -0.0110% | 6,794 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6962% | 2,721 |
| Assets per employee ($millions) | 2.1103% | 7,198 |
| Cash dividends to net income (ytd only)* | 77.9833% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,548 |
| Loan loss allowance to noncurrent loans | 384.0580% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 6,622 |
| Noncurrent loans to loans | 0.4233% | 5,995 |
| Net loans and leases to total assets | 39.9904% | 6,629 |
| Net loans and leases to deposits | 44.6209% | 6,806 |
| Net loans and leases to core deposits | 45.1677% | 6,884 |
| Total domestic deposits to total assets | 89.6225% | 1,080 |
| Equity capital to assets | 9.9876% | 4,360 |
| Core capital (leverage) ratio | 8.7934% | 5,278 |
| Tier 1 risk-based capital ratio | 16.8700% | 2,685 |
| Total risk-based capital ratio | 18.1208% | 2,663 |
| Memoranda: | ||
| Average total assets | $117,480,500 | 4,492 |
| Average earning assets | $105,526,000 | 4,536 |
| Average equity | $11,828,750 | 4,612 |
| Average total loans | $48,648,500 | 5,364 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 4,213 |
| Cost of funding earning assets | 0.6098% | 6,412 |
| Net interest margin | 4.1594% | 2,188 |
| Noninterest income to average assets | 1.0022% | 1,306 |
| Noninterest expense to average assets | 3.6844% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0399% | 2,065 |
| Return on assets (ROA) | 1.0399% | 2,162 |
| Pretax return on assets | 1.0399% | 3,075 |
| Return on Equity (ROE) | 10.3000% | 2,015 |
| Retained earnings to average equity (ytd only) | 2.0566% | 4,949 |
| Net charge-offs to loans | -0.0206% | 6,827 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9876% | 2,713 |
| Assets per employee ($millions) | 2.0346% | 7,281 |
| Cash dividends to net income (ytd only)* | 80.0330% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6405% | 3,526 |
| Loan loss allowance to noncurrent loans | 352.2124% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 6,618 |
| Noncurrent loans to loans | 0.4658% | 5,977 |
| Net loans and leases to total assets | 41.1535% | 6,655 |
| Net loans and leases to deposits | 46.0263% | 6,830 |
| Net loans and leases to core deposits | 46.4935% | 6,910 |
| Total domestic deposits to total assets | 89.4131% | 1,293 |
| Equity capital to assets | 10.1912% | 3,884 |
| Core capital (leverage) ratio | 8.8548% | 4,956 |
| Tier 1 risk-based capital ratio | 16.9873% | 2,526 |
| Total risk-based capital ratio | 18.2385% | 2,499 |
| Memoranda: | ||
| Average total assets | $116,544,330 | 4,547 |
| Average earning assets | $104,294,670 | 4,599 |
| Average equity | $11,767,000 | 4,625 |
| Average total loans | $48,565,000 | 5,416 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 4,166 |
| Cost of funding earning assets | 0.6272% | 6,486 |
| Net interest margin | 4.1494% | 2,083 |
| Noninterest income to average assets | 0.9792% | 1,392 |
| Noninterest expense to average assets | 3.6771% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0169% | 2,123 |
| Return on assets (ROA) | 1.0169% | 2,173 |
| Pretax return on assets | 1.0169% | 3,072 |
| Return on Equity (ROE) | 10.1184% | 2,054 |
| Retained earnings to average equity (ytd only) | 10.1184% | 1,098 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3370% | 2,794 |
| Assets per employee ($millions) | 2.0350% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 3,671 |
| Loan loss allowance to noncurrent loans | 316.4000% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 6,636 |
| Noncurrent loans to loans | 0.5104% | 6,001 |
| Net loans and leases to total assets | 40.8245% | 6,715 |
| Net loans and leases to deposits | 45.5802% | 6,874 |
| Net loans and leases to core deposits | 46.0286% | 6,970 |
| Total domestic deposits to total assets | 89.5664% | 1,447 |
| Equity capital to assets | 10.0702% | 3,688 |
| Core capital (leverage) ratio | 9.0300% | 4,568 |
| Tier 1 risk-based capital ratio | 16.9736% | 2,487 |
| Total risk-based capital ratio | 18.2239% | 2,459 |
| Memoranda: | ||
| Average total assets | $116,830,000 | 4,567 |
| Average earning assets | $104,594,500 | 4,624 |
| Average equity | $11,741,000 | 4,617 |
| Average total loans | $48,586,000 | 5,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 2,904 |
| Cost of funding earning assets | 0.7178% | 6,833 |
| Net interest margin | 4.6303% | 948 |
| Noninterest income to average assets | 1.1563% | 1,106 |
| Noninterest expense to average assets | 3.9351% | 1,260 |
| Loan and lease loss provision to assets | 0.0531% | 6,623 |
| Net operating income to assets | 1.2943% | 1,187 |
| Return on assets (ROA) | 1.2943% | 1,244 |
| Pretax return on assets | 1.2943% | 1,941 |
| Return on Equity (ROE) | 12.2445% | 1,270 |
| Retained earnings to average equity (ytd only) | 2.4606% | 4,153 |
| Net charge-offs to loans | 0.0703% | 6,099 |
| Credit loss provision to net charge-offs | 176.4706% | 1,891 |
| Earnings coverage of net charge-offs (x) | 44.7941% | 518 |
| Efficiency ratio | 74.4934% | 3,298 |
| Assets per employee ($millions) | 2.0648% | 7,390 |
| Cash dividends to net income (ytd only)* | 79.9043% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 3,423 |
| Loan loss allowance to noncurrent loans | 545.5172% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 6,927 |
| Noncurrent loans to loans | 0.3009% | 6,452 |
| Net loans and leases to total assets | 40.9970% | 6,903 |
| Net loans and leases to deposits | 45.7510% | 7,054 |
| Net loans and leases to core deposits | 46.3400% | 7,129 |
| Total domestic deposits to total assets | 89.6089% | 1,319 |
| Equity capital to assets | 10.0287% | 3,714 |
| Core capital (leverage) ratio | 8.6861% | 5,046 |
| Tier 1 risk-based capital ratio | 16.9168% | 2,372 |
| Total risk-based capital ratio | 18.1676% | 2,346 |
| Memoranda: | ||
| Average total assets | $113,035,000 | 4,636 |
| Average earning assets | $100,728,000 | 4,707 |
| Average equity | $11,948,200 | 4,627 |
| Average total loans | $48,358,000 | 5,544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 2,723 |
| Cost of funding earning assets | 0.7332% | 6,962 |
| Net interest margin | 4.7017% | 844 |
| Noninterest income to average assets | 1.1009% | 1,168 |
| Noninterest expense to average assets | 3.7584% | 1,458 |
| Loan and lease loss provision to assets | 0.0534% | 6,544 |
| Net operating income to assets | 1.4734% | 970 |
| Return on assets (ROA) | 1.4734% | 1,047 |
| Pretax return on assets | 1.4734% | 1,672 |
| Return on Equity (ROE) | 13.7581% | 1,080 |
| Retained earnings to average equity (ytd only) | 2.7583% | 4,502 |
| Net charge-offs to loans | 0.0799% | 5,723 |
| Credit loss provision to net charge-offs | 155.1724% | 2,470 |
| Earnings coverage of net charge-offs (x) | 44.3745% | 631 |
| Efficiency ratio | 71.1111% | 3,867 |
| Assets per employee ($millions) | 1.8461% | 7,566 |
| Cash dividends to net income (ytd only)* | 79.9518% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 3,529 |
| Loan loss allowance to noncurrent loans | 1,131.8841% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 7,150 |
| Noncurrent loans to loans | 0.1413% | 6,896 |
| Net loans and leases to total assets | 42.6793% | 6,930 |
| Net loans and leases to deposits | 48.0433% | 7,086 |
| Net loans and leases to core deposits | 48.6763% | 7,175 |
| Total domestic deposits to total assets | 88.8351% | 1,489 |
| Equity capital to assets | 10.7173% | 3,270 |
| Core capital (leverage) ratio | 8.8295% | 4,958 |
| Tier 1 risk-based capital ratio | 16.7859% | 2,415 |
| Total risk-based capital ratio | 18.0361% | 2,378 |
| Memoranda: | ||
| Average total assets | $112,386,750 | 4,707 |
| Average earning assets | $100,018,750 | 4,779 |
| Average equity | $12,036,250 | 4,670 |
| Average total loans | $48,398,750 | 5,623 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4820% | 2,607 |
| Cost of funding earning assets | 0.7408% | 7,090 |
| Net interest margin | 4.7412% | 743 |
| Noninterest income to average assets | 1.0756% | 1,163 |
| Noninterest expense to average assets | 3.7182% | 1,521 |
| Loan and lease loss provision to assets | 0.0516% | 6,451 |
| Net operating income to assets | 1.5225% | 870 |
| Return on assets (ROA) | 1.5225% | 931 |
| Pretax return on assets | 1.5225% | 1,498 |
| Return on Equity (ROE) | 14.2200% | 994 |
| Retained earnings to average equity (ytd only) | 2.7941% | 4,354 |
| Net charge-offs to loans | 0.0705% | 5,433 |
| Credit loss provision to net charge-offs | 170.5882% | 2,291 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 572 |
| Efficiency ratio | 70.2557% | 4,142 |
| Assets per employee ($millions) | 2.0471% | 7,555 |
| Cash dividends to net income (ytd only)* | 80.3509% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,429 |
| Loan loss allowance to noncurrent loans | 712.8440% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 7,154 |
| Noncurrent loans to loans | 0.2249% | 6,795 |
| Net loans and leases to total assets | 42.3471% | 7,019 |
| Net loans and leases to deposits | 47.5914% | 7,182 |
| Net loans and leases to core deposits | 48.2098% | 7,277 |
| Total domestic deposits to total assets | 88.9805% | 1,450 |
| Equity capital to assets | 10.5932% | 3,289 |
| Core capital (leverage) ratio | 8.7863% | 4,937 |
| Tier 1 risk-based capital ratio | 15.3655% | 2,972 |
| Total risk-based capital ratio | 16.5636% | 2,960 |
| Memoranda: | ||
| Average total assets | $112,311,670 | 4,742 |
| Average earning assets | $99,891,000 | 4,811 |
| Average equity | $12,025,330 | 4,671 |
| Average total loans | $48,250,670 | 5,680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 2,282 |
| Cost of funding earning assets | 0.7516% | 7,231 |
| Net interest margin | 4.8188% | 620 |
| Noninterest income to average assets | 1.0448% | 1,173 |
| Noninterest expense to average assets | 3.7193% | 1,481 |
| Loan and lease loss provision to assets | 0.0535% | 6,131 |
| Net operating income to assets | 1.5476% | 823 |
| Return on assets (ROA) | 1.5476% | 883 |
| Pretax return on assets | 1.5476% | 1,402 |
| Return on Equity (ROE) | 14.3774% | 978 |
| Retained earnings to average equity (ytd only) | 14.3774% | 464 |
| Net charge-offs to loans | 0.0083% | 5,475 |
| Credit loss provision to net charge-offs | 1,500.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 63 |
| Efficiency ratio | 69.9062% | 4,321 |
| Assets per employee ($millions) | 2.0388% | 7,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6052% | 3,419 |
| Loan loss allowance to noncurrent loans | 341.6667% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 6,956 |
| Noncurrent loans to loans | 0.4698% | 6,357 |
| Net loans and leases to total assets | 42.5831% | 7,087 |
| Net loans and leases to deposits | 48.0629% | 7,232 |
| Net loans and leases to core deposits | 48.6853% | 7,335 |
| Total domestic deposits to total assets | 88.5987% | 1,733 |
| Equity capital to assets | 11.0090% | 2,752 |
| Core capital (leverage) ratio | 9.0282% | 4,513 |
| Tier 1 risk-based capital ratio | 17.2991% | 2,150 |
| Total risk-based capital ratio | 18.5505% | 2,110 |
| Memoranda: | ||
| Average total assets | $112,172,000 | 4,818 |
| Average earning assets | $99,526,000 | 4,892 |
| Average equity | $12,074,500 | 4,702 |
| Average total loans | $48,148,000 | 5,752 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8864% | 2,295 |
| Cost of funding earning assets | 0.8930% | 7,418 |
| Net interest margin | 4.9934% | 455 |
| Noninterest income to average assets | 1.1482% | 1,169 |
| Noninterest expense to average assets | 3.9665% | 1,407 |
| Loan and lease loss provision to assets | 0.0579% | 6,986 |
| Net operating income to assets | 1.5727% | 575 |
| Return on assets (ROA) | 1.5727% | 621 |
| Pretax return on assets | 1.5727% | 1,025 |
| Return on Equity (ROE) | 15.4540% | 609 |
| Retained earnings to average equity (ytd only) | 3.7062% | 2,601 |
| Net charge-offs to loans | 0.0861% | 6,259 |
| Credit loss provision to net charge-offs | 165.0000% | 2,646 |
| Earnings coverage of net charge-offs (x) | 46.4750% | 549 |
| Efficiency ratio | 70.8666% | 4,462 |
| Assets per employee ($millions) | 2.0401% | 7,708 |
| Cash dividends to net income (ytd only)* | 76.0178% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 3,275 |
| Loan loss allowance to noncurrent loans | 2,250.0000% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 7,448 |
| Noncurrent loans to loans | 0.0712% | 7,246 |
| Net loans and leases to total assets | 41.8874% | 7,255 |
| Net loans and leases to deposits | 47.2400% | 7,383 |
| Net loans and leases to core deposits | 54.6130% | 7,452 |
| Total domestic deposits to total assets | 88.6693% | 1,646 |
| Equity capital to assets | 10.5197% | 3,158 |
| Core capital (leverage) ratio | 8.7323% | 4,866 |
| Tier 1 risk-based capital ratio | 16.8449% | 2,188 |
| Total risk-based capital ratio | 18.0949% | 2,166 |
| Memoranda: | ||
| Average total assets | $114,004,400 | 4,728 |
| Average earning assets | $101,573,200 | 4,796 |
| Average equity | $11,602,200 | 4,840 |
| Average total loans | $46,434,200 | 5,823 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8776% | 2,547 |
| Cost of funding earning assets | 0.9270% | 7,518 |
| Net interest margin | 4.9506% | 494 |
| Noninterest income to average assets | 1.0857% | 1,347 |
| Noninterest expense to average assets | 3.7977% | 1,590 |
| Loan and lease loss provision to assets | 0.0221% | 7,129 |
| Net operating income to assets | 1.6891% | 573 |
| Return on assets (ROA) | 1.6891% | 605 |
| Pretax return on assets | 1.6891% | 993 |
| Return on Equity (ROE) | 16.7359% | 575 |
| Retained earnings to average equity (ytd only) | 3.8666% | 3,129 |
| Net charge-offs to loans | 0.0926% | 5,754 |
| Credit loss provision to net charge-offs | 59.3750% | 6,182 |
| Earnings coverage of net charge-offs (x) | 45.9016% | 682 |
| Efficiency ratio | 68.9364% | 4,800 |
| Assets per employee ($millions) | 2.1136% | 7,702 |
| Cash dividends to net income (ytd only)* | 76.8964% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,368 |
| Loan loss allowance to noncurrent loans | 1,134.3750% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 7,415 |
| Noncurrent loans to loans | 0.1333% | 7,148 |
| Net loans and leases to total assets | 42.2122% | 7,351 |
| Net loans and leases to deposits | 47.5261% | 7,517 |
| Net loans and leases to core deposits | 55.0771% | 7,572 |
| Total domestic deposits to total assets | 88.8192% | 1,284 |
| Equity capital to assets | 10.6506% | 3,345 |
| Core capital (leverage) ratio | 8.7260% | 5,085 |
| Tier 1 risk-based capital ratio | 16.7927% | 2,337 |
| Total risk-based capital ratio | 18.0440% | 2,288 |
| Memoranda: | ||
| Average total assets | $114,453,500 | 4,732 |
| Average earning assets | $102,261,250 | 4,815 |
| Average equity | $11,551,750 | 4,910 |
| Average total loans | $46,101,250 | 5,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 2,626 |
| Cost of funding earning assets | 0.9546% | 7,615 |
| Net interest margin | 4.9364% | 498 |
| Noninterest income to average assets | 1.0220% | 1,523 |
| Noninterest expense to average assets | 3.7722% | 1,696 |
| Loan and lease loss provision to assets | 0.0104% | 7,103 |
| Net operating income to assets | 1.6362% | 637 |
| Return on assets (ROA) | 1.6362% | 702 |
| Pretax return on assets | 1.6362% | 1,139 |
| Return on Equity (ROE) | 16.5072% | 645 |
| Retained earnings to average equity (ytd only) | 3.7111% | 3,230 |
| Net charge-offs to loans | 0.0968% | 5,202 |
| Credit loss provision to net charge-offs | 27.2727% | 6,060 |
| Earnings coverage of net charge-offs (x) | 43.1364% | 768 |
| Efficiency ratio | 69.6126% | 4,859 |
| Assets per employee ($millions) | 1.9208% | 7,906 |
| Cash dividends to net income (ytd only)* | 77.5186% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 2,894 |
| Loan loss allowance to noncurrent loans | 176.7726% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 6,551 |
| Noncurrent loans to loans | 0.8851% | 5,442 |
| Net loans and leases to total assets | 40.1355% | 7,545 |
| Net loans and leases to deposits | 44.8154% | 7,678 |
| Net loans and leases to core deposits | 51.8336% | 7,717 |
| Total domestic deposits to total assets | 89.5576% | 1,019 |
| Equity capital to assets | 9.9492% | 4,016 |
| Core capital (leverage) ratio | 8.2042% | 5,976 |
| Tier 1 risk-based capital ratio | 16.7699% | 2,375 |
| Total risk-based capital ratio | 18.0198% | 2,318 |
| Memoranda: | ||
| Average total assets | $115,264,000 | 4,742 |
| Average earning assets | $102,666,000 | 4,822 |
| Average equity | $11,425,330 | 4,968 |
| Average total loans | $45,464,000 | 5,962 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9441% | 2,590 |
| Cost of funding earning assets | 0.9649% | 7,727 |
| Net interest margin | 4.9793% | 422 |
| Noninterest income to average assets | 0.9361% | 1,709 |
| Noninterest expense to average assets | 3.6719% | 1,706 |
| Loan and lease loss provision to assets | 0.0103% | 6,699 |
| Net operating income to assets | 1.6759% | 682 |
| Return on assets (ROA) | 1.6759% | 750 |
| Pretax return on assets | 1.6759% | 1,228 |
| Return on Equity (ROE) | 16.9384% | 692 |
| Retained earnings to average equity (ytd only) | 16.9384% | 275 |
| Net charge-offs to loans | 0.0266% | 5,159 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 163.3333% | 267 |
| Efficiency ratio | 68.5292% | 4,864 |
| Assets per employee ($millions) | 2.0441% | 7,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 2,519 |
| Loan loss allowance to noncurrent loans | 178.0723% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 6,446 |
| Noncurrent loans to loans | 0.8985% | 5,204 |
| Net loans and leases to total assets | 39.0059% | 7,617 |
| Net loans and leases to deposits | 43.6298% | 7,739 |
| Net loans and leases to core deposits | 50.1905% | 7,786 |
| Total domestic deposits to total assets | 89.4020% | 1,052 |
| Equity capital to assets | 10.2212% | 3,746 |
| Core capital (leverage) ratio | 8.4415% | 5,639 |
| Tier 1 risk-based capital ratio | 17.0768% | 2,311 |
| Total risk-based capital ratio | 18.3270% | 2,252 |
| Memoranda: | ||
| Average total assets | $116,233,000 | 4,747 |
| Average earning assets | $103,228,000 | 4,830 |
| Average equity | $11,500,500 | 4,976 |
| Average total loans | $45,092,500 | 6,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4042% | 3,396 |
| Cost of funding earning assets | 1.2461% | 7,893 |
| Net interest margin | 5.1581% | 368 |
| Noninterest income to average assets | 1.0550% | 1,409 |
| Noninterest expense to average assets | 3.8575% | 1,645 |
| Loan and lease loss provision to assets | 0.0009% | 7,332 |
| Net operating income to assets | 1.8204% | 534 |
| Return on assets (ROA) | 1.8204% | 510 |
| Pretax return on assets | 1.8204% | 903 |
| Return on Equity (ROE) | 19.3881% | 427 |
| Retained earnings to average equity (ytd only) | 4.0520% | 2,609 |
| Net charge-offs to loans | -0.0023% | 7,751 |
| Credit loss provision to net charge-offs | -100.0000% | 7,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9284% | 4,735 |
| Assets per employee ($millions) | 1.9009% | 7,985 |
| Cash dividends to net income (ytd only)* | 79.1008% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 1,968 |
| Loan loss allowance to noncurrent loans | 252.2184% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 6,566 |
| Noncurrent loans to loans | 0.6659% | 5,369 |
| Net loans and leases to total assets | 37.3082% | 7,786 |
| Net loans and leases to deposits | 41.4102% | 7,912 |
| Net loans and leases to core deposits | 47.1468% | 7,941 |
| Total domestic deposits to total assets | 90.0943% | 611 |
| Equity capital to assets | 9.5659% | 4,591 |
| Core capital (leverage) ratio | 8.2335% | 6,097 |
| Tier 1 risk-based capital ratio | 16.7672% | 2,397 |
| Total risk-based capital ratio | 18.0183% | 2,328 |
| Memoranda: | ||
| Average total assets | $111,185,800 | 4,742 |
| Average earning assets | $99,668,400 | 4,811 |
| Average equity | $10,439,400 | 5,286 |
| Average total loans | $42,939,800 | 6,028 |