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 | 6.0321% | 1,135 |
| Cost of funding earning assets | 0.6507% | 4,227 |
| Net interest margin | 5.3814% | 182 |
| Noninterest income to average assets | 0.6500% | 1,175 |
| Noninterest expense to average assets | 3.0188% | 1,111 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 2.7147% | 177 |
| Return on assets (ROA) | 2.7147% | 180 |
| Pretax return on assets | 2.7147% | 246 |
| Return on Equity (ROE) | 23.5100% | 245 |
| Retained earnings to average equity (ytd only) | 23.4182% | 95 |
| Net charge-offs to loans | 0.1805% | 568 |
| Credit loss provision to net charge-offs | 40.5405% | 1,581 |
| Earnings coverage of net charge-offs (x) | 34.6757% | 1,160 |
| Efficiency ratio | 52.3580% | 3,726 |
| Assets per employee ($millions) | 5.1083% | 3,595 |
| Cash dividends to net income (ytd only)* | 0.3943% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 485 |
| Loan loss allowance to noncurrent loans | 1,275.0000% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,226 |
| Noncurrent loans to loans | 0.1458% | 2,969 |
| Net loans and leases to total assets | 42.7200% | 3,889 |
| Net loans and leases to deposits | 48.7006% | 3,904 |
| Net loans and leases to core deposits | 51.2324% | 3,952 |
| Total domestic deposits to total assets | 87.7300% | 1,647 |
| Equity capital to assets | 11.8800% | 1,282 |
| Core capital (leverage) ratio | 14.6573% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.0719% | 196 |
| Memoranda: | ||
| Average total assets | $186,831,500 | 3,109 |
| Average earning assets | $177,650,500 | 3,058 |
| Average equity | $21,573,000 | 2,917 |
| Average total loans | $81,977,500 | 3,419 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3889% | 821 |
| Cost of funding earning assets | 0.6372% | 4,259 |
| Net interest margin | 5.7517% | 139 |
| Noninterest income to average assets | 0.7500% | 1,034 |
| Noninterest expense to average assets | 3.7275% | 466 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 2.4097% | 240 |
| Return on assets (ROA) | 2.4097% | 239 |
| Pretax return on assets | 2.4097% | 335 |
| Return on Equity (ROE) | 19.4400% | 441 |
| Retained earnings to average equity (ytd only) | 2.5043% | 3,215 |
| Net charge-offs to loans | 0.0415% | 1,771 |
| Credit loss provision to net charge-offs | -61.7647% | 4,335 |
| Earnings coverage of net charge-offs (x) | 125.9412% | 690 |
| Efficiency ratio | 60.3995% | 3,120 |
| Assets per employee ($millions) | 5.2759% | 3,453 |
| Cash dividends to net income (ytd only)* | 87.1151% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 447 |
| Loan loss allowance to noncurrent loans | 1,315.2542% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,217 |
| Noncurrent loans to loans | 0.1445% | 2,949 |
| Net loans and leases to total assets | 43.3900% | 3,910 |
| Net loans and leases to deposits | 49.0163% | 3,943 |
| Net loans and leases to core deposits | 50.8150% | 3,993 |
| Total domestic deposits to total assets | 88.5200% | 1,325 |
| Equity capital to assets | 11.2057% | 1,500 |
| Core capital (leverage) ratio | 14.4034% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0937% | 211 |
| Memoranda: | ||
| Average total assets | $175,209,400 | 3,161 |
| Average earning assets | $165,099,600 | 3,130 |
| Average equity | $21,722,400 | 2,854 |
| Average total loans | $81,868,000 | 3,391 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3968% | 787 |
| Cost of funding earning assets | 0.6293% | 4,294 |
| Net interest margin | 5.7675% | 146 |
| Noninterest income to average assets | 0.7700% | 943 |
| Noninterest expense to average assets | 3.6501% | 487 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 2.5031% | 229 |
| Return on assets (ROA) | 2.5031% | 228 |
| Pretax return on assets | 2.5031% | 321 |
| Return on Equity (ROE) | 19.6800% | 450 |
| Retained earnings to average equity (ytd only) | 12.7446% | 415 |
| Net charge-offs to loans | 0.0179% | 2,027 |
| Credit loss provision to net charge-offs | -327.2727% | 4,445 |
| Earnings coverage of net charge-offs (x) | 299.0909% | 383 |
| Efficiency ratio | 58.9878% | 3,260 |
| Assets per employee ($millions) | 5.0083% | 3,647 |
| Cash dividends to net income (ytd only)* | 35.2542% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 482 |
| Loan loss allowance to noncurrent loans | 901.7341% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 3,034 |
| Noncurrent loans to loans | 0.2085% | 2,700 |
| Net loans and leases to total assets | 46.4500% | 3,798 |
| Net loans and leases to deposits | 54.3191% | 3,808 |
| Net loans and leases to core deposits | 56.9732% | 3,878 |
| Total domestic deposits to total assets | 85.5100% | 2,125 |
| Equity capital to assets | 13.5973% | 819 |
| Core capital (leverage) ratio | 15.8593% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7557% | 202 |
| Memoranda: | ||
| Average total assets | $172,847,750 | 3,178 |
| Average earning assets | $162,514,500 | 3,158 |
| Average equity | $21,980,000 | 2,830 |
| Average total loans | $81,916,000 | 3,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3515% | 764 |
| Cost of funding earning assets | 0.5690% | 4,318 |
| Net interest margin | 5.7826% | 145 |
| Noninterest income to average assets | 0.7900% | 883 |
| Noninterest expense to average assets | 3.5435% | 535 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 2.6344% | 208 |
| Return on assets (ROA) | 2.6344% | 209 |
| Pretax return on assets | 2.6344% | 283 |
| Return on Equity (ROE) | 21.2200% | 389 |
| Retained earnings to average equity (ytd only) | 14.3809% | 331 |
| Net charge-offs to loans | 0.0196% | 1,773 |
| Credit loss provision to net charge-offs | 375.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 396 |
| Efficiency ratio | 57.0359% | 3,485 |
| Assets per employee ($millions) | 4.8782% | 3,704 |
| Cash dividends to net income (ytd only)* | 32.2154% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 391 |
| Loan loss allowance to noncurrent loans | 1,225.5639% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,119 |
| Noncurrent loans to loans | 0.1635% | 2,851 |
| Net loans and leases to total assets | 46.6900% | 3,799 |
| Net loans and leases to deposits | 54.0111% | 3,811 |
| Net loans and leases to core deposits | 56.6922% | 3,879 |
| Total domestic deposits to total assets | 86.4400% | 1,831 |
| Equity capital to assets | 12.8624% | 903 |
| Core capital (leverage) ratio | 15.7083% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4416% | 209 |
| Memoranda: | ||
| Average total assets | $172,033,000 | 3,192 |
| Average earning assets | $161,347,000 | 3,168 |
| Average equity | $21,361,667 | 2,843 |
| Average total loans | $81,561,000 | 3,416 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1388% | 899 |
| Cost of funding earning assets | 0.5184% | 4,352 |
| Net interest margin | 5.6205% | 166 |
| Noninterest income to average assets | 0.7900% | 844 |
| Noninterest expense to average assets | 3.4051% | 635 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 2.6291% | 221 |
| Return on assets (ROA) | 2.6291% | 221 |
| Pretax return on assets | 2.6291% | 302 |
| Return on Equity (ROE) | 21.5600% | 365 |
| Retained earnings to average equity (ytd only) | 21.4605% | 153 |
| Net charge-offs to loans | -0.0343% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 56.1069% | 3,586 |
| Assets per employee ($millions) | 4.7189% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.4405% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0253% | 374 |
| Loan loss allowance to noncurrent loans | 1,189.0511% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,124 |
| Noncurrent loans to loans | 0.1703% | 2,769 |
| Net loans and leases to total assets | 45.1300% | 3,848 |
| Net loans and leases to deposits | 51.7386% | 3,862 |
| Net loans and leases to core deposits | 53.7578% | 3,979 |
| Total domestic deposits to total assets | 87.2300% | 1,692 |
| Equity capital to assets | 12.2806% | 1,047 |
| Core capital (leverage) ratio | 15.5435% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3853% | 228 |
| Memoranda: | ||
| Average total assets | $172,680,500 | 3,189 |
| Average earning assets | $162,050,500 | 3,173 |
| Average equity | $21,062,000 | 2,878 |
| Average total loans | $81,668,500 | 3,420 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0463% | 600 |
| Cost of funding earning assets | 0.3800% | 4,308 |
| Net interest margin | 5.6662% | 154 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 3.2422% | 785 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.7795% | 189 |
| Return on assets (ROA) | 2.7795% | 190 |
| Pretax return on assets | 2.7795% | 259 |
| Return on Equity (ROE) | 26.1400% | 277 |
| Retained earnings to average equity (ytd only) | 15.0780% | 321 |
| Net charge-offs to loans | -0.0212% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.4442% | 3,719 |
| Assets per employee ($millions) | 4.6152% | 3,887 |
| Cash dividends to net income (ytd only)* | 42.3093% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 427 |
| Loan loss allowance to noncurrent loans | 1,890.5882% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,261 |
| Noncurrent loans to loans | 0.1025% | 3,029 |
| Net loans and leases to total assets | 47.6100% | 3,747 |
| Net loans and leases to deposits | 54.3261% | 3,774 |
| Net loans and leases to core deposits | 56.4835% | 3,894 |
| Total domestic deposits to total assets | 87.6400% | 1,474 |
| Equity capital to assets | 12.1117% | 1,094 |
| Core capital (leverage) ratio | 15.0794% | 610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4044% | 231 |
| Memoranda: | ||
| Average total assets | $176,361,000 | 3,157 |
| Average earning assets | $165,242,000 | 3,135 |
| Average equity | $18,755,800 | 2,959 |
| Average total loans | $80,081,400 | 3,405 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 600 |
| Cost of funding earning assets | 0.3482% | 4,316 |
| Net interest margin | 5.5597% | 171 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 3.2470% | 769 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.6754% | 225 |
| Return on assets (ROA) | 2.6754% | 223 |
| Pretax return on assets | 2.6754% | 323 |
| Return on Equity (ROE) | 26.0300% | 352 |
| Retained earnings to average equity (ytd only) | 21.4577% | 213 |
| Net charge-offs to loans | -0.0168% | 4,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.3844% | 3,559 |
| Assets per employee ($millions) | 4.5667% | 3,902 |
| Cash dividends to net income (ytd only)* | 17.5498% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9009% | 475 |
| Loan loss allowance to noncurrent loans | 996.8553% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,950 |
| Noncurrent loans to loans | 0.1907% | 2,601 |
| Net loans and leases to total assets | 48.4100% | 3,716 |
| Net loans and leases to deposits | 54.8444% | 3,757 |
| Net loans and leases to core deposits | 56.7177% | 3,822 |
| Total domestic deposits to total assets | 88.2700% | 1,486 |
| Equity capital to assets | 10.9578% | 1,359 |
| Core capital (leverage) ratio | 14.8734% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.5368% | 236 |
| Memoranda: | ||
| Average total assets | $177,761,000 | 3,149 |
| Average earning assets | $166,576,000 | 3,131 |
| Average equity | $18,274,250 | 2,981 |
| Average total loans | $79,375,250 | 3,425 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7863% | 565 |
| Cost of funding earning assets | 0.2999% | 4,315 |
| Net interest margin | 5.4863% | 175 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 3.3183% | 675 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 2.5070% | 246 |
| Return on assets (ROA) | 2.5070% | 241 |
| Pretax return on assets | 2.5070% | 355 |
| Return on Equity (ROE) | 24.9000% | 389 |
| Retained earnings to average equity (ytd only) | 20.2924% | 241 |
| Net charge-offs to loans | -0.0513% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4383% | 3,363 |
| Assets per employee ($millions) | 4.6236% | 3,878 |
| Cash dividends to net income (ytd only)* | 18.4989% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9911% | 421 |
| Loan loss allowance to noncurrent loans | 361.7849% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 1,960 |
| Noncurrent loans to loans | 0.5504% | 1,357 |
| Net loans and leases to total assets | 44.2900% | 3,867 |
| Net loans and leases to deposits | 49.9711% | 3,915 |
| Net loans and leases to core deposits | 51.7802% | 3,964 |
| Total domestic deposits to total assets | 88.6400% | 1,368 |
| Equity capital to assets | 10.8170% | 1,455 |
| Core capital (leverage) ratio | 13.6814% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0603% | 239 |
| Memoranda: | ||
| Average total assets | $180,692,333 | 3,135 |
| Average earning assets | $169,366,667 | 3,112 |
| Average equity | $18,194,000 | 3,008 |
| Average total loans | $78,040,000 | 3,445 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4606% | 656 |
| Cost of funding earning assets | 0.2169% | 4,347 |
| Net interest margin | 5.2436% | 214 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 3.3189% | 680 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.2730% | 336 |
| Return on assets (ROA) | 2.2730% | 336 |
| Pretax return on assets | 2.2730% | 513 |
| Return on Equity (ROE) | 23.4100% | 484 |
| Retained earnings to average equity (ytd only) | 23.2959% | 231 |
| Net charge-offs to loans | -0.0931% | 4,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.0062% | 3,073 |
| Assets per employee ($millions) | 4.9657% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.4803% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0113% | 427 |
| Loan loss allowance to noncurrent loans | 537.9791% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 2,411 |
| Noncurrent loans to loans | 0.3739% | 1,810 |
| Net loans and leases to total assets | 40.9400% | 4,003 |
| Net loans and leases to deposits | 45.6976% | 4,048 |
| Net loans and leases to core deposits | 47.3478% | 4,067 |
| Total domestic deposits to total assets | 89.5900% | 1,303 |
| Equity capital to assets | 10.0397% | 1,803 |
| Core capital (leverage) ratio | 13.1207% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1515% | 243 |
| Memoranda: | ||
| Average total assets | $183,191,000 | 3,153 |
| Average earning assets | $171,484,500 | 3,134 |
| Average equity | $17,788,500 | 3,061 |
| Average total loans | $77,358,500 | 3,495 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 783 |
| Cost of funding earning assets | 0.1564% | 4,089 |
| Net interest margin | 4.3026% | 418 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 3.1713% | 754 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.5730% | 733 |
| Return on assets (ROA) | 1.5736% | 698 |
| Pretax return on assets | 1.5736% | 1,228 |
| Return on Equity (ROE) | 14.8800% | 1,284 |
| Retained earnings to average equity (ytd only) | 6.0406% | 2,631 |
| Net charge-offs to loans | 0.0791% | 860 |
| Credit loss provision to net charge-offs | 96.7742% | 1,582 |
| Earnings coverage of net charge-offs (x) | 46.0484% | 1,415 |
| Efficiency ratio | 66.3722% | 2,169 |
| Assets per employee ($millions) | 4.8066% | 3,810 |
| Cash dividends to net income (ytd only)* | 59.4063% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 618 |
| Loan loss allowance to noncurrent loans | 748.6911% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 2,798 |
| Noncurrent loans to loans | 0.2450% | 2,299 |
| Net loans and leases to total assets | 41.8900% | 3,987 |
| Net loans and leases to deposits | 46.3371% | 4,041 |
| Net loans and leases to core deposits | 47.7555% | 4,066 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 9.3790% | 2,091 |
| Core capital (leverage) ratio | 12.7549% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7630% | 267 |
| Memoranda: | ||
| Average total assets | $177,685,800 | 3,213 |
| Average earning assets | $164,925,400 | 3,203 |
| Average equity | $18,789,400 | 3,055 |
| Average total loans | $78,400,600 | 3,435 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 945 |
| Cost of funding earning assets | 0.1547% | 3,801 |
| Net interest margin | 4.0140% | 623 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 3.1450% | 733 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.3383% | 1,243 |
| Return on assets (ROA) | 1.3390% | 1,221 |
| Pretax return on assets | 1.3390% | 1,926 |
| Return on Equity (ROE) | 12.3000% | 1,941 |
| Retained earnings to average equity (ytd only) | 7.9565% | 2,014 |
| Net charge-offs to loans | 0.0849% | 707 |
| Credit loss provision to net charge-offs | 90.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 36.3200% | 1,428 |
| Efficiency ratio | 69.6219% | 1,806 |
| Assets per employee ($millions) | 4.7081% | 3,905 |
| Cash dividends to net income (ytd only)* | 35.3273% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 627 |
| Loan loss allowance to noncurrent loans | 413.6232% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 2,317 |
| Noncurrent loans to loans | 0.4539% | 1,670 |
| Net loans and leases to total assets | 41.6900% | 3,999 |
| Net loans and leases to deposits | 46.2719% | 4,016 |
| Net loans and leases to core deposits | 47.8668% | 4,037 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 9.2008% | 2,079 |
| Core capital (leverage) ratio | 13.2028% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9583% | 249 |
| Memoranda: | ||
| Average total assets | $176,444,250 | 3,247 |
| Average earning assets | $163,721,250 | 3,240 |
| Average equity | $19,204,000 | 3,060 |
| Average total loans | $78,512,750 | 3,446 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9498% | 1,022 |
| Cost of funding earning assets | 0.1569% | 3,492 |
| Net interest margin | 3.7929% | 764 |
| Noninterest income to average assets | 0.8484% | 945 |
| Noninterest expense to average assets | 3.1158% | 717 |
| Loan and lease loss provision to assets | 0.0342% | 1,966 |
| Net operating income to assets | 1.2219% | 1,360 |
| Return on assets (ROA) | 1.2231% | 1,341 |
| Pretax return on assets | 1.2231% | 1,995 |
| Return on Equity (ROE) | 10.6768% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.5115% | 2,171 |
| Net charge-offs to loans | -0.0050% | 3,347 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2686% | 1,798 |
| Assets per employee ($millions) | 4.5014% | 4,066 |
| Cash dividends to net income (ytd only)* | 39.0130% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 694 |
| Loan loss allowance to noncurrent loans | 574.1176% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,710 |
| Noncurrent loans to loans | 0.3271% | 2,168 |
| Net loans and leases to total assets | 43.5732% | 3,864 |
| Net loans and leases to deposits | 48.6842% | 3,887 |
| Net loans and leases to core deposits | 50.3224% | 3,919 |
| Total domestic deposits to total assets | 89.5017% | 1,947 |
| Equity capital to assets | 9.9702% | 1,732 |
| Core capital (leverage) ratio | 13.2195% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.9073% | 252 |
| Memoranda: | ||
| Average total assets | $175,623,000 | 3,281 |
| Average earning assets | $163,146,667 | 3,290 |
| Average equity | $20,118,333 | 3,058 |
| Average total loans | $79,345,333 | 3,459 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8281% | 1,038 |
| Cost of funding earning assets | 0.1567% | 3,410 |
| Net interest margin | 3.6715% | 786 |
| Noninterest income to average assets | 0.8494% | 932 |
| Noninterest expense to average assets | 3.0924% | 695 |
| Loan and lease loss provision to assets | 0.0342% | 1,748 |
| Net operating income to assets | 1.1386% | 1,409 |
| Return on assets (ROA) | 1.1409% | 1,400 |
| Pretax return on assets | 1.1409% | 2,012 |
| Return on Equity (ROE) | 9.3531% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.2598% | 1,196 |
| Net charge-offs to loans | -0.0600% | 4,317 |
| Credit loss provision to net charge-offs | -125.0000% | 2,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5040% | 1,917 |
| Assets per employee ($millions) | 4.5456% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.9980% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 845 |
| Loan loss allowance to noncurrent loans | 548.4962% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 2,750 |
| Noncurrent loans to loans | 0.3325% | 2,294 |
| Net loans and leases to total assets | 44.3022% | 3,718 |
| Net loans and leases to deposits | 50.1747% | 3,719 |
| Net loans and leases to core deposits | 51.7221% | 3,754 |
| Total domestic deposits to total assets | 88.2959% | 2,391 |
| Equity capital to assets | 11.3515% | 1,179 |
| Core capital (leverage) ratio | 13.1777% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9619% | 267 |
| Memoranda: | ||
| Average total assets | $175,658,000 | 3,297 |
| Average earning assets | $163,421,500 | 3,296 |
| Average equity | $21,426,000 | 3,024 |
| Average total loans | $80,039,000 | 3,458 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 799 |
| Cost of funding earning assets | 0.1955% | 3,518 |
| Net interest margin | 4.1428% | 546 |
| Noninterest income to average assets | 0.8790% | 1,257 |
| Noninterest expense to average assets | 3.2712% | 656 |
| Loan and lease loss provision to assets | 0.0724% | 1,649 |
| Net operating income to assets | 1.3702% | 1,378 |
| Return on assets (ROA) | 1.3702% | 1,427 |
| Pretax return on assets | 1.3702% | 2,140 |
| Return on Equity (ROE) | 9.9000% | 2,557 |
| Retained earnings to average equity (ytd only) | 3.1125% | 3,580 |
| Net charge-offs to loans | -0.0678% | 4,444 |
| Credit loss provision to net charge-offs | -218.1818% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3972% | 1,804 |
| Assets per employee ($millions) | 4.4625% | 4,145 |
| Cash dividends to net income (ytd only)* | 68.5601% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7882% | 889 |
| Loan loss allowance to noncurrent loans | 656.8807% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 3,061 |
| Noncurrent loans to loans | 0.2722% | 2,627 |
| Net loans and leases to total assets | 45.1907% | 3,751 |
| Net loans and leases to deposits | 52.0706% | 3,737 |
| Net loans and leases to core deposits | 53.7345% | 3,771 |
| Total domestic deposits to total assets | 86.7872% | 2,585 |
| Equity capital to assets | 13.0594% | 880 |
| Core capital (leverage) ratio | 13.3521% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1045% | 304 |
| Memoranda: | ||
| Average total assets | $165,747,600 | 3,338 |
| Average earning assets | $153,424,400 | 3,342 |
| Average equity | $22,939,400 | 2,989 |
| Average total loans | $81,173,000 | 3,456 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 724 |
| Cost of funding earning assets | 0.2027% | 3,579 |
| Net interest margin | 4.2536% | 499 |
| Noninterest income to average assets | 0.8863% | 1,283 |
| Noninterest expense to average assets | 3.0710% | 862 |
| Loan and lease loss provision to assets | 0.0733% | 1,578 |
| Net operating income to assets | 1.6732% | 877 |
| Return on assets (ROA) | 1.6732% | 919 |
| Pretax return on assets | 1.6732% | 1,481 |
| Return on Equity (ROE) | 11.9110% | 2,080 |
| Retained earnings to average equity (ytd only) | 8.2808% | 1,960 |
| Net charge-offs to loans | -0.0131% | 3,789 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7470% | 2,426 |
| Assets per employee ($millions) | 4.2861% | 4,276 |
| Cash dividends to net income (ytd only)* | 30.4771% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 1,158 |
| Loan loss allowance to noncurrent loans | 501.8519% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 3,041 |
| Noncurrent loans to loans | 0.3339% | 2,587 |
| Net loans and leases to total assets | 47.5646% | 3,667 |
| Net loans and leases to deposits | 55.7329% | 3,605 |
| Net loans and leases to core deposits | 57.6258% | 3,655 |
| Total domestic deposits to total assets | 85.3438% | 3,003 |
| Equity capital to assets | 14.1644% | 693 |
| Core capital (leverage) ratio | 14.0605% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0083% | 342 |
| Memoranda: | ||
| Average total assets | $163,675,500 | 3,395 |
| Average earning assets | $151,273,000 | 3,400 |
| Average equity | $22,992,250 | 3,020 |
| Average total loans | $81,446,250 | 3,502 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 663 |
| Cost of funding earning assets | 0.2094% | 3,660 |
| Net interest margin | 4.3503% | 450 |
| Noninterest income to average assets | 0.8922% | 1,290 |
| Noninterest expense to average assets | 3.0299% | 936 |
| Loan and lease loss provision to assets | 0.0738% | 1,601 |
| Net operating income to assets | 1.8017% | 712 |
| Return on assets (ROA) | 1.8017% | 744 |
| Pretax return on assets | 1.8017% | 1,228 |
| Return on Equity (ROE) | 12.8624% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.1812% | 1,655 |
| Net charge-offs to loans | -0.0343% | 4,211 |
| Credit loss provision to net charge-offs | -428.5714% | 3,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7662% | 2,765 |
| Assets per employee ($millions) | 4.2996% | 4,256 |
| Cash dividends to net income (ytd only)* | 28.6202% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,256 |
| Loan loss allowance to noncurrent loans | 407.0336% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 2,979 |
| Noncurrent loans to loans | 0.3946% | 2,491 |
| Net loans and leases to total assets | 48.6245% | 3,673 |
| Net loans and leases to deposits | 56.7378% | 3,664 |
| Net loans and leases to core deposits | 58.7551% | 3,706 |
| Total domestic deposits to total assets | 85.7004% | 2,840 |
| Equity capital to assets | 13.9000% | 734 |
| Core capital (leverage) ratio | 14.0183% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5757% | 354 |
| Memoranda: | ||
| Average total assets | $162,514,667 | 3,410 |
| Average earning assets | $149,919,667 | 3,415 |
| Average equity | $22,764,000 | 3,033 |
| Average total loans | $81,640,667 | 3,520 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 695 |
| Cost of funding earning assets | 0.2170% | 3,757 |
| Net interest margin | 4.3583% | 464 |
| Noninterest income to average assets | 0.8929% | 1,346 |
| Noninterest expense to average assets | 2.9888% | 1,017 |
| Loan and lease loss provision to assets | 0.0750% | 1,685 |
| Net operating income to assets | 1.8483% | 721 |
| Return on assets (ROA) | 1.8483% | 776 |
| Pretax return on assets | 1.8483% | 1,200 |
| Return on Equity (ROE) | 13.1425% | 1,632 |
| Retained earnings to average equity (ytd only) | 13.0535% | 902 |
| Net charge-offs to loans | 0.0247% | 1,261 |
| Credit loss provision to net charge-offs | 600.0000% | 549 |
| Earnings coverage of net charge-offs (x) | 153.8000% | 482 |
| Efficiency ratio | 60.8452% | 2,930 |
| Assets per employee ($millions) | 4.3592% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.6766% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 1,310 |
| Loan loss allowance to noncurrent loans | 741.0405% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,636 |
| Noncurrent loans to loans | 0.2152% | 3,337 |
| Net loans and leases to total assets | 49.0396% | 3,704 |
| Net loans and leases to deposits | 57.2027% | 3,701 |
| Net loans and leases to core deposits | 59.4049% | 3,747 |
| Total domestic deposits to total assets | 85.7296% | 2,846 |
| Equity capital to assets | 14.0001% | 673 |
| Core capital (leverage) ratio | 14.5521% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1021% | 397 |
| Memoranda: | ||
| Average total assets | $159,930,500 | 3,438 |
| Average earning assets | $147,490,000 | 3,447 |
| Average equity | $22,492,000 | 3,041 |
| Average total loans | $81,028,000 | 3,540 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1822% | 344 |
| Cost of funding earning assets | 0.3198% | 4,026 |
| Net interest margin | 4.8623% | 154 |
| Noninterest income to average assets | 0.8745% | 1,335 |
| Noninterest expense to average assets | 3.5955% | 603 |
| Loan and lease loss provision to assets | 0.2076% | 1,904 |
| Net operating income to assets | 1.4681% | 880 |
| Return on assets (ROA) | 1.4681% | 960 |
| Pretax return on assets | 1.4681% | 1,444 |
| Return on Equity (ROE) | 9.6558% | 2,141 |
| Retained earnings to average equity (ytd only) | 3.2762% | 3,189 |
| Net charge-offs to loans | 0.1027% | 1,441 |
| Credit loss provision to net charge-offs | 365.8537% | 1,537 |
| Earnings coverage of net charge-offs (x) | 29.5366% | 1,625 |
| Efficiency ratio | 68.2111% | 2,207 |
| Assets per employee ($millions) | 4.4047% | 4,013 |
| Cash dividends to net income (ytd only)* | 66.0697% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,461 |
| Loan loss allowance to noncurrent loans | 377.4775% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,238 |
| Noncurrent loans to loans | 0.4077% | 2,752 |
| Net loans and leases to total assets | 50.7161% | 3,766 |
| Net loans and leases to deposits | 59.1746% | 3,816 |
| Net loans and leases to core deposits | 61.2934% | 3,870 |
| Total domestic deposits to total assets | 85.7059% | 2,483 |
| Equity capital to assets | 14.1282% | 762 |
| Core capital (leverage) ratio | 14.5705% | 573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,543,000 | 3,461 |
| Average earning assets | $130,698,600 | 3,491 |
| Average equity | $21,976,400 | 3,009 |
| Average total loans | $79,832,600 | 3,560 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 271 |
| Cost of funding earning assets | 0.3467% | 4,073 |
| Net interest margin | 5.0660% | 124 |
| Noninterest income to average assets | 1.0446% | 956 |
| Noninterest expense to average assets | 3.7323% | 498 |
| Loan and lease loss provision to assets | 0.2127% | 1,897 |
| Net operating income to assets | 1.6582% | 633 |
| Return on assets (ROA) | 1.6582% | 706 |
| Pretax return on assets | 1.6582% | 1,049 |
| Return on Equity (ROE) | 10.6933% | 1,785 |
| Retained earnings to average equity (ytd only) | 6.8769% | 1,746 |
| Net charge-offs to loans | 0.1327% | 1,084 |
| Credit loss provision to net charge-offs | 284.8101% | 1,811 |
| Earnings coverage of net charge-offs (x) | 25.0506% | 1,736 |
| Efficiency ratio | 66.6104% | 2,385 |
| Assets per employee ($millions) | 4.1181% | 4,224 |
| Cash dividends to net income (ytd only)* | 35.6899% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,545 |
| Loan loss allowance to noncurrent loans | 351.6320% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 1,868 |
| Noncurrent loans to loans | 0.4116% | 2,821 |
| Net loans and leases to total assets | 54.4277% | 3,767 |
| Net loans and leases to deposits | 64.6754% | 3,741 |
| Net loans and leases to core deposits | 67.1100% | 3,817 |
| Total domestic deposits to total assets | 84.1551% | 2,765 |
| Equity capital to assets | 15.2418% | 584 |
| Core capital (leverage) ratio | 15.0377% | 537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6015% | 378 |
| Memoranda: | ||
| Average total assets | $141,036,500 | 3,486 |
| Average earning assets | $126,908,000 | 3,527 |
| Average equity | $21,869,750 | 3,010 |
| Average total loans | $79,371,500 | 3,584 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 241 |
| Cost of funding earning assets | 0.3672% | 4,191 |
| Net interest margin | 5.3102% | 113 |
| Noninterest income to average assets | 0.9969% | 993 |
| Noninterest expense to average assets | 3.7553% | 531 |
| Loan and lease loss provision to assets | 0.2164% | 1,926 |
| Net operating income to assets | 1.7817% | 522 |
| Return on assets (ROA) | 1.7817% | 570 |
| Pretax return on assets | 1.7817% | 841 |
| Return on Equity (ROE) | 11.4206% | 1,506 |
| Retained earnings to average equity (ytd only) | 7.5459% | 1,447 |
| Net charge-offs to loans | 0.1375% | 1,027 |
| Credit loss provision to net charge-offs | 277.7778% | 1,673 |
| Earnings coverage of net charge-offs (x) | 25.6481% | 1,545 |
| Efficiency ratio | 65.2708% | 2,620 |
| Assets per employee ($millions) | 3.7330% | 4,524 |
| Cash dividends to net income (ytd only)* | 33.9271% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 1,459 |
| Loan loss allowance to noncurrent loans | 422.3048% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 1,225 |
| Noncurrent loans to loans | 0.3402% | 3,178 |
| Net loans and leases to total assets | 52.1863% | 4,017 |
| Net loans and leases to deposits | 61.5470% | 4,035 |
| Net loans and leases to core deposits | 64.4634% | 4,050 |
| Total domestic deposits to total assets | 84.7910% | 2,475 |
| Equity capital to assets | 14.8863% | 637 |
| Core capital (leverage) ratio | 15.4439% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6640% | 344 |
| Memoranda: | ||
| Average total assets | $138,632,000 | 3,496 |
| Average earning assets | $124,175,333 | 3,546 |
| Average equity | $21,627,667 | 3,021 |
| Average total loans | $78,537,333 | 3,610 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 245 |
| Cost of funding earning assets | 0.4208% | 4,276 |
| Net interest margin | 5.2821% | 132 |
| Noninterest income to average assets | 1.1734% | 634 |
| Noninterest expense to average assets | 3.9043% | 554 |
| Loan and lease loss provision to assets | 0.2251% | 1,376 |
| Net operating income to assets | 1.7526% | 454 |
| Return on assets (ROA) | 1.7526% | 498 |
| Pretax return on assets | 1.7526% | 764 |
| Return on Equity (ROE) | 10.9530% | 1,422 |
| Retained earnings to average equity (ytd only) | 6.9769% | 1,544 |
| Net charge-offs to loans | 0.3424% | 421 |
| Credit loss provision to net charge-offs | 111.9403% | 1,742 |
| Earnings coverage of net charge-offs (x) | 9.8358% | 1,801 |
| Efficiency ratio | 66.3776% | 2,898 |
| Assets per employee ($millions) | 3.4749% | 4,506 |
| Cash dividends to net income (ytd only)* | 36.3014% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 2,007 |
| Loan loss allowance to noncurrent loans | 473.7557% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 1.0456% | 1,255 |
| Noncurrent loans to loans | 0.2804% | 3,487 |
| Net loans and leases to total assets | 57.3877% | 3,717 |
| Net loans and leases to deposits | 68.5629% | 3,689 |
| Net loans and leases to core deposits | 72.2012% | 3,752 |
| Total domestic deposits to total assets | 83.7008% | 2,885 |
| Equity capital to assets | 15.9487% | 591 |
| Core capital (leverage) ratio | 16.4223% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5204% | 414 |
| Memoranda: | ||
| Average total assets | $133,288,500 | 3,545 |
| Average earning assets | $118,816,000 | 3,591 |
| Average equity | $21,327,500 | 3,046 |
| Average total loans | $78,276,000 | 3,612 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0741% | 205 |
| Cost of funding earning assets | 0.3902% | 4,474 |
| Net interest margin | 5.6839% | 88 |
| Noninterest income to average assets | 0.9301% | 1,115 |
| Noninterest expense to average assets | 3.9231% | 584 |
| Loan and lease loss provision to assets | 0.2395% | 789 |
| Net operating income to assets | 1.7915% | 527 |
| Return on assets (ROA) | 1.8123% | 536 |
| Pretax return on assets | 1.8123% | 907 |
| Return on Equity (ROE) | 10.9328% | 1,914 |
| Retained earnings to average equity (ytd only) | 4.1805% | 2,869 |
| Net charge-offs to loans | 0.1391% | 1,399 |
| Credit loss provision to net charge-offs | 285.7143% | 982 |
| Earnings coverage of net charge-offs (x) | 24.2286% | 1,781 |
| Efficiency ratio | 65.8890% | 2,787 |
| Assets per employee ($millions) | 3.4488% | 4,523 |
| Cash dividends to net income (ytd only)* | 61.7621% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,761 |
| Loan loss allowance to noncurrent loans | 436.5546% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 1,119 |
| Noncurrent loans to loans | 0.3062% | 3,342 |
| Net loans and leases to total assets | 58.5197% | 3,724 |
| Net loans and leases to deposits | 69.8893% | 3,684 |
| Net loans and leases to core deposits | 73.3757% | 3,770 |
| Total domestic deposits to total assets | 83.7320% | 2,938 |
| Equity capital to assets | 16.0551% | 590 |
| Core capital (leverage) ratio | 16.4949% | 463 |
| Tier 1 risk-based capital ratio | 24.4084% | 796 |
| Total risk-based capital ratio | 25.6280% | 779 |
| Memoranda: | ||
| Average total assets | $125,257,600 | 3,626 |
| Average earning assets | $110,715,600 | 3,698 |
| Average equity | $20,763,200 | 3,056 |
| Average total loans | $75,511,800 | 3,672 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1078% | 203 |
| Cost of funding earning assets | 0.3810% | 4,557 |
| Net interest margin | 5.7268% | 86 |
| Noninterest income to average assets | 1.1803% | 659 |
| Noninterest expense to average assets | 3.9296% | 572 |
| Loan and lease loss provision to assets | 0.2423% | 683 |
| Net operating income to assets | 2.0590% | 356 |
| Return on assets (ROA) | 2.0827% | 346 |
| Pretax return on assets | 2.0827% | 571 |
| Return on Equity (ROE) | 12.4608% | 1,463 |
| Retained earnings to average equity (ytd only) | 8.4275% | 1,235 |
| Net charge-offs to loans | 0.1103% | 1,362 |
| Credit loss provision to net charge-offs | 362.9032% | 829 |
| Earnings coverage of net charge-offs (x) | 34.4696% | 1,497 |
| Efficiency ratio | 63.0660% | 3,150 |
| Assets per employee ($millions) | 3.3498% | 4,627 |
| Cash dividends to net income (ytd only)* | 32.3683% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 2,014 |
| Loan loss allowance to noncurrent loans | 265.0000% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 1.4101% | 821 |
| Noncurrent loans to loans | 0.4866% | 2,839 |
| Net loans and leases to total assets | 60.5629% | 3,628 |
| Net loans and leases to deposits | 73.4723% | 3,523 |
| Net loans and leases to core deposits | 77.5591% | 3,585 |
| Total domestic deposits to total assets | 82.4297% | 3,343 |
| Equity capital to assets | 16.8979% | 494 |
| Core capital (leverage) ratio | 17.6640% | 376 |
| Tier 1 risk-based capital ratio | 25.4449% | 741 |
| Total risk-based capital ratio | 26.6515% | 735 |
| Memoranda: | ||
| Average total assets | $123,808,250 | 3,678 |
| Average earning assets | $109,191,250 | 3,762 |
| Average equity | $20,693,750 | 3,092 |
| Average total loans | $74,956,750 | 3,724 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1100% | 200 |
| Cost of funding earning assets | 0.3578% | 4,662 |
| Net interest margin | 5.7522% | 84 |
| Noninterest income to average assets | 1.1545% | 638 |
| Noninterest expense to average assets | 3.9006% | 598 |
| Loan and lease loss provision to assets | 0.2446% | 634 |
| Net operating income to assets | 2.0694% | 347 |
| Return on assets (ROA) | 2.0873% | 350 |
| Pretax return on assets | 2.0873% | 569 |
| Return on Equity (ROE) | 12.5357% | 1,394 |
| Retained earnings to average equity (ytd only) | 8.4322% | 1,233 |
| Net charge-offs to loans | 0.1001% | 1,376 |
| Credit loss provision to net charge-offs | 405.4054% | 707 |
| Earnings coverage of net charge-offs (x) | 38.3514% | 1,276 |
| Efficiency ratio | 62.7657% | 3,323 |
| Assets per employee ($millions) | 3.2818% | 4,709 |
| Cash dividends to net income (ytd only)* | 32.7344% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,153 |
| Loan loss allowance to noncurrent loans | 373.8281% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 1.3399% | 928 |
| Noncurrent loans to loans | 0.3389% | 3,326 |
| Net loans and leases to total assets | 59.8066% | 3,753 |
| Net loans and leases to deposits | 72.3643% | 3,656 |
| Net loans and leases to core deposits | 76.4577% | 3,688 |
| Total domestic deposits to total assets | 82.6465% | 3,320 |
| Equity capital to assets | 16.8555% | 486 |
| Core capital (leverage) ratio | 17.2193% | 407 |
| Tier 1 risk-based capital ratio | 25.6870% | 710 |
| Total risk-based capital ratio | 26.8696% | 695 |
| Memoranda: | ||
| Average total assets | $122,646,330 | 3,714 |
| Average earning assets | $107,888,670 | 3,808 |
| Average equity | $20,421,670 | 3,110 |
| Average total loans | $73,909,000 | 3,764 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0528% | 207 |
| Cost of funding earning assets | 0.3079% | 4,824 |
| Net interest margin | 5.7449% | 86 |
| Noninterest income to average assets | 1.1249% | 643 |
| Noninterest expense to average assets | 4.1212% | 448 |
| Loan and lease loss provision to assets | 0.2467% | 593 |
| Net operating income to assets | 1.7892% | 589 |
| Return on assets (ROA) | 1.7892% | 609 |
| Pretax return on assets | 1.7892% | 999 |
| Return on Equity (ROE) | 10.8138% | 2,017 |
| Retained earnings to average equity (ytd only) | 10.7144% | 881 |
| Net charge-offs to loans | 0.1806% | 763 |
| Credit loss provision to net charge-offs | 227.2727% | 972 |
| Earnings coverage of net charge-offs (x) | 18.7576% | 1,613 |
| Efficiency ratio | 66.9338% | 2,807 |
| Assets per employee ($millions) | 3.3820% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.9191% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,543 |
| Loan loss allowance to noncurrent loans | 83.5061% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.9787% | 505 |
| Noncurrent loans to loans | 1.4441% | 1,119 |
| Net loans and leases to total assets | 58.0054% | 3,889 |
| Net loans and leases to deposits | 69.5778% | 3,797 |
| Net loans and leases to core deposits | 73.4562% | 3,830 |
| Total domestic deposits to total assets | 83.3676% | 3,268 |
| Equity capital to assets | 16.3935% | 515 |
| Core capital (leverage) ratio | 17.4363% | 382 |
| Tier 1 risk-based capital ratio | 25.5012% | 726 |
| Total risk-based capital ratio | 26.6052% | 715 |
| Memoranda: | ||
| Average total assets | $121,616,000 | 3,771 |
| Average earning assets | $106,529,500 | 3,871 |
| Average equity | $20,122,500 | 3,154 |
| Average total loans | $73,093,500 | 3,815 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 301 |
| Cost of funding earning assets | 0.2975% | 4,584 |
| Net interest margin | 5.3519% | 144 |
| Noninterest income to average assets | 0.8762% | 1,247 |
| Noninterest expense to average assets | 3.8518% | 641 |
| Loan and lease loss provision to assets | 0.2443% | 708 |
| Net operating income to assets | 1.4821% | 1,165 |
| Return on assets (ROA) | 1.4960% | 1,115 |
| Pretax return on assets | 1.4960% | 1,795 |
| Return on Equity (ROE) | 9.3577% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.5353% | 3,644 |
| Net charge-offs to loans | 0.0800% | 1,990 |
| Credit loss provision to net charge-offs | 526.3158% | 664 |
| Earnings coverage of net charge-offs (x) | 37.1930% | 1,389 |
| Efficiency ratio | 69.0511% | 2,375 |
| Assets per employee ($millions) | 3.2805% | 4,758 |
| Cash dividends to net income (ytd only)* | 62.2210% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,767 |
| Loan loss allowance to noncurrent loans | 112.9853% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 783 |
| Noncurrent loans to loans | 1.0273% | 1,596 |
| Net loans and leases to total assets | 60.8584% | 3,683 |
| Net loans and leases to deposits | 73.2364% | 3,566 |
| Net loans and leases to core deposits | 78.0157% | 3,579 |
| Total domestic deposits to total assets | 83.0986% | 3,294 |
| Equity capital to assets | 16.7075% | 443 |
| Core capital (leverage) ratio | 17.1632% | 395 |
| Tier 1 risk-based capital ratio | 25.5350% | 704 |
| Total risk-based capital ratio | 26.6165% | 704 |
| Memoranda: | ||
| Average total assets | $122,798,200 | 3,747 |
| Average earning assets | $107,887,600 | 3,838 |
| Average equity | $19,630,800 | 3,120 |
| Average total loans | $71,242,000 | 3,844 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5339% | 337 |
| Cost of funding earning assets | 0.2900% | 4,588 |
| Net interest margin | 5.2439% | 168 |
| Noninterest income to average assets | 1.1325% | 732 |
| Noninterest expense to average assets | 3.9050% | 586 |
| Loan and lease loss provision to assets | 0.2420% | 651 |
| Net operating income to assets | 1.5949% | 972 |
| Return on assets (ROA) | 1.6132% | 945 |
| Pretax return on assets | 1.6132% | 1,541 |
| Return on Equity (ROE) | 10.2008% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.9437% | 2,684 |
| Net charge-offs to loans | 0.0357% | 2,371 |
| Credit loss provision to net charge-offs | 1,184.2105% | 350 |
| Earnings coverage of net charge-offs (x) | 89.9045% | 820 |
| Efficiency ratio | 68.0090% | 2,536 |
| Assets per employee ($millions) | 3.3236% | 4,751 |
| Cash dividends to net income (ytd only)* | 41.7335% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,070 |
| Loan loss allowance to noncurrent loans | 272.0539% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 962 |
| Noncurrent loans to loans | 0.4120% | 3,177 |
| Net loans and leases to total assets | 59.5697% | 3,895 |
| Net loans and leases to deposits | 71.8799% | 3,782 |
| Net loans and leases to core deposits | 76.6008% | 3,763 |
| Total domestic deposits to total assets | 82.8739% | 3,351 |
| Equity capital to assets | 16.4750% | 458 |
| Core capital (leverage) ratio | 17.0481% | 414 |
| Tier 1 risk-based capital ratio | 25.8156% | 690 |
| Total risk-based capital ratio | 26.8530% | 691 |
| Memoranda: | ||
| Average total assets | $123,973,500 | 3,764 |
| Average earning assets | $108,973,750 | 3,861 |
| Average equity | $19,605,750 | 3,143 |
| Average total loans | $70,873,500 | 3,887 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 389 |
| Cost of funding earning assets | 0.2886% | 4,511 |
| Net interest margin | 5.1126% | 199 |
| Noninterest income to average assets | 1.0525% | 873 |
| Noninterest expense to average assets | 3.7587% | 701 |
| Loan and lease loss provision to assets | 0.2392% | 660 |
| Net operating income to assets | 1.5469% | 1,041 |
| Return on assets (ROA) | 1.5740% | 982 |
| Pretax return on assets | 1.5740% | 1,587 |
| Return on Equity (ROE) | 10.0867% | 2,526 |
| Retained earnings to average equity (ytd only) | 5.8047% | 2,661 |
| Net charge-offs to loans | 0.0568% | 1,794 |
| Credit loss provision to net charge-offs | 750.0000% | 521 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,042 |
| Efficiency ratio | 67.7883% | 2,682 |
| Assets per employee ($millions) | 3.2450% | 4,884 |
| Cash dividends to net income (ytd only)* | 42.4519% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,531 |
| Loan loss allowance to noncurrent loans | 451.8519% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 1.6195% | 785 |
| Noncurrent loans to loans | 0.2325% | 3,878 |
| Net loans and leases to total assets | 55.9051% | 4,171 |
| Net loans and leases to deposits | 66.8853% | 4,109 |
| Net loans and leases to core deposits | 70.8176% | 4,097 |
| Total domestic deposits to total assets | 83.5835% | 3,224 |
| Equity capital to assets | 15.9591% | 508 |
| Core capital (leverage) ratio | 16.5335% | 441 |
| Tier 1 risk-based capital ratio | 26.3564% | 648 |
| Total risk-based capital ratio | 27.3307% | 652 |
| Memoranda: | ||
| Average total assets | $125,415,330 | 3,769 |
| Average earning assets | $110,198,000 | 3,872 |
| Average equity | $19,570,330 | 3,167 |
| Average total loans | $70,470,670 | 3,924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3338% | 383 |
| Cost of funding earning assets | 0.2836% | 4,473 |
| Net interest margin | 5.0502% | 214 |
| Noninterest income to average assets | 0.9520% | 1,015 |
| Noninterest expense to average assets | 3.8239% | 651 |
| Loan and lease loss provision to assets | 0.2372% | 647 |
| Net operating income to assets | 1.3410% | 1,508 |
| Return on assets (ROA) | 1.3948% | 1,367 |
| Pretax return on assets | 1.3948% | 2,026 |
| Return on Equity (ROE) | 9.0387% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.9158% | 1,483 |
| Net charge-offs to loans | -0.0113% | 4,302 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7845% | 2,378 |
| Assets per employee ($millions) | 3.3147% | 4,890 |
| Cash dividends to net income (ytd only)* | 1.3605% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,091 |
| Loan loss allowance to noncurrent loans | 200.2950% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.6982% | 753 |
| Noncurrent loans to loans | 0.4866% | 3,061 |
| Net loans and leases to total assets | 54.7667% | 4,221 |
| Net loans and leases to deposits | 65.1478% | 4,144 |
| Net loans and leases to core deposits | 71.6990% | 3,987 |
| Total domestic deposits to total assets | 84.0653% | 3,299 |
| Equity capital to assets | 15.5377% | 562 |
| Core capital (leverage) ratio | 16.2507% | 457 |
| Tier 1 risk-based capital ratio | 25.9212% | 692 |
| Total risk-based capital ratio | 26.8160% | 702 |
| Memoranda: | ||
| Average total assets | $126,468,500 | 3,786 |
| Average earning assets | $111,440,500 | 3,898 |
| Average equity | $19,516,000 | 3,197 |
| Average total loans | $70,872,000 | 3,953 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1563% | 479 |
| Cost of funding earning assets | 0.3406% | 3,796 |
| Net interest margin | 4.8157% | 344 |
| Noninterest income to average assets | 1.0877% | 859 |
| Noninterest expense to average assets | 3.5508% | 957 |
| Loan and lease loss provision to assets | 0.2465% | 769 |
| Net operating income to assets | 1.5942% | 661 |
| Return on assets (ROA) | 1.6030% | 664 |
| Pretax return on assets | 1.6030% | 1,284 |
| Return on Equity (ROE) | 10.5383% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.3577% | 1,896 |
| Net charge-offs to loans | 0.4570% | 521 |
| Credit loss provision to net charge-offs | 95.9877% | 2,687 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 3,078 |
| Efficiency ratio | 65.8580% | 3,300 |
| Assets per employee ($millions) | 3.3416% | 4,893 |
| Cash dividends to net income (ytd only)* | 49.1592% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 4,716 |
| Loan loss allowance to noncurrent loans | 46.1303% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.6814% | 769 |
| Noncurrent loans to loans | 1.8104% | 885 |
| Net loans and leases to total assets | 56.2928% | 4,160 |
| Net loans and leases to deposits | 66.6430% | 4,138 |
| Net loans and leases to core deposits | 73.2332% | 3,951 |
| Total domestic deposits to total assets | 84.4691% | 3,047 |
| Equity capital to assets | 15.3262% | 621 |
| Core capital (leverage) ratio | 15.8610% | 488 |
| Tier 1 risk-based capital ratio | 24.5529% | 765 |
| Total risk-based capital ratio | 25.3214% | 792 |
| Memoranda: | ||
| Average total assets | $126,141,400 | 3,805 |
| Average earning assets | $112,736,200 | 3,867 |
| Average equity | $19,187,200 | 3,225 |
| Average total loans | $70,902,600 | 3,941 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 465 |
| Cost of funding earning assets | 0.3615% | 3,544 |
| Net interest margin | 4.7823% | 351 |
| Noninterest income to average assets | 1.0767% | 881 |
| Noninterest expense to average assets | 3.6103% | 859 |
| Loan and lease loss provision to assets | 0.1906% | 1,017 |
| Net operating income to assets | 1.5617% | 781 |
| Return on assets (ROA) | 1.5701% | 784 |
| Pretax return on assets | 1.5701% | 1,513 |
| Return on Equity (ROE) | 10.3421% | 1,969 |
| Retained earnings to average equity (ytd only) | 6.8761% | 1,754 |
| Net charge-offs to loans | 0.3437% | 610 |
| Credit loss provision to net charge-offs | 98.9011% | 2,332 |
| Earnings coverage of net charge-offs (x) | 9.0934% | 2,723 |
| Efficiency ratio | 67.3248% | 2,994 |
| Assets per employee ($millions) | 3.5190% | 4,706 |
| Cash dividends to net income (ytd only)* | 33.5132% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,790 |
| Loan loss allowance to noncurrent loans | 37.6847% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.3505% | 486 |
| Noncurrent loans to loans | 2.2306% | 731 |
| Net loans and leases to total assets | 58.6144% | 4,007 |
| Net loans and leases to deposits | 70.2916% | 3,936 |
| Net loans and leases to core deposits | 77.8495% | 3,651 |
| Total domestic deposits to total assets | 83.3875% | 3,330 |
| Equity capital to assets | 16.0239% | 544 |
| Core capital (leverage) ratio | 15.9552% | 498 |
| Tier 1 risk-based capital ratio | 24.5812% | 798 |
| Total risk-based capital ratio | 25.3650% | 819 |
| Memoranda: | ||
| Average total assets | $125,932,000 | 3,851 |
| Average earning assets | $112,857,000 | 3,901 |
| Average equity | $19,118,750 | 3,257 |
| Average total loans | $70,607,750 | 3,977 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 552 |
| Cost of funding earning assets | 0.3784% | 3,303 |
| Net interest margin | 4.6296% | 454 |
| Noninterest income to average assets | 1.0295% | 957 |
| Noninterest expense to average assets | 3.5663% | 913 |
| Loan and lease loss provision to assets | 0.1892% | 991 |
| Net operating income to assets | 1.4410% | 973 |
| Return on assets (ROA) | 1.4458% | 988 |
| Pretax return on assets | 1.4458% | 1,838 |
| Return on Equity (ROE) | 9.6970% | 2,169 |
| Retained earnings to average equity (ytd only) | 8.0051% | 1,162 |
| Net charge-offs to loans | 0.5667% | 346 |
| Credit loss provision to net charge-offs | 60.6061% | 2,460 |
| Earnings coverage of net charge-offs (x) | 5.2222% | 2,847 |
| Efficiency ratio | 68.6286% | 2,901 |
| Assets per employee ($millions) | 3.5685% | 4,625 |
| Cash dividends to net income (ytd only)* | 17.4482% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 5,063 |
| Loan loss allowance to noncurrent loans | 31.7940% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 2.3331% | 494 |
| Noncurrent loans to loans | 2.3755% | 658 |
| Net loans and leases to total assets | 56.4978% | 4,168 |
| Net loans and leases to deposits | 67.3468% | 4,122 |
| Net loans and leases to core deposits | 74.6235% | 3,891 |
| Total domestic deposits to total assets | 83.8907% | 3,244 |
| Equity capital to assets | 15.6617% | 579 |
| Core capital (leverage) ratio | 15.4844% | 547 |
| Tier 1 risk-based capital ratio | 24.3903% | 818 |
| Total risk-based capital ratio | 25.0810% | 851 |
| Memoranda: | ||
| Average total assets | $126,854,000 | 3,854 |
| Average earning assets | $114,177,670 | 3,907 |
| Average equity | $18,913,000 | 3,285 |
| Average total loans | $69,875,330 | 4,021 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 706 |
| Cost of funding earning assets | 0.4020% | 2,977 |
| Net interest margin | 4.4290% | 609 |
| Noninterest income to average assets | 1.0733% | 870 |
| Noninterest expense to average assets | 3.4389% | 1,127 |
| Loan and lease loss provision to assets | 0.1877% | 897 |
| Net operating income to assets | 1.4456% | 902 |
| Return on assets (ROA) | 1.4488% | 921 |
| Pretax return on assets | 1.4488% | 1,700 |
| Return on Equity (ROE) | 9.9629% | 1,979 |
| Retained earnings to average equity (ytd only) | 9.8553% | 842 |
| Net charge-offs to loans | -0.2888% | 5,679 |
| Credit loss provision to net charge-offs | -120.0000% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7977% | 3,235 |
| Assets per employee ($millions) | 3.6983% | 4,510 |
| Cash dividends to net income (ytd only)* | 1.0799% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 4,104 |
| Loan loss allowance to noncurrent loans | 25.9312% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 2.7982% | 377 |
| Noncurrent loans to loans | 3.9678% | 264 |
| Net loans and leases to total assets | 53.8037% | 4,351 |
| Net loans and leases to deposits | 63.2411% | 4,351 |
| Net loans and leases to core deposits | 75.5273% | 3,696 |
| Total domestic deposits to total assets | 85.0771% | 3,057 |
| Equity capital to assets | 14.6324% | 723 |
| Core capital (leverage) ratio | 14.7467% | 655 |
| Tier 1 risk-based capital ratio | 24.2147% | 845 |
| Total risk-based capital ratio | 25.1541% | 861 |
| Memoranda: | ||
| Average total assets | $127,832,500 | 3,878 |
| Average earning assets | $115,420,000 | 3,925 |
| Average equity | $18,589,000 | 3,335 |
| Average total loans | $69,262,500 | 4,072 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,285 |
| Cost of funding earning assets | 0.4524% | 2,519 |
| Net interest margin | 4.1446% | 1,255 |
| Noninterest income to average assets | 0.9108% | 1,376 |
| Noninterest expense to average assets | 3.4002% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2734% | 1,292 |
| Return on assets (ROA) | 1.3060% | 1,266 |
| Pretax return on assets | 1.3060% | 2,259 |
| Return on Equity (ROE) | 8.9897% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.6498% | 2,584 |
| Net charge-offs to loans | 0.3122% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.0392% | 2,935 |
| Efficiency ratio | 72.7529% | 2,470 |
| Assets per employee ($millions) | 3.7125% | 4,449 |
| Cash dividends to net income (ytd only)* | 48.2759% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 4,781 |
| Loan loss allowance to noncurrent loans | 35.7600% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 1.9964% | 686 |
| Noncurrent loans to loans | 2.5191% | 626 |
| Net loans and leases to total assets | 53.5104% | 4,482 |
| Net loans and leases to deposits | 62.6760% | 4,494 |
| Net loans and leases to core deposits | 74.8161% | 3,854 |
| Total domestic deposits to total assets | 85.3762% | 2,889 |
| Equity capital to assets | 14.4487% | 748 |
| Core capital (leverage) ratio | 14.2880% | 736 |
| Tier 1 risk-based capital ratio | 24.2782% | 845 |
| Total risk-based capital ratio | 25.0970% | 866 |
| Memoranda: | ||
| Average total assets | $128,787,600 | 3,850 |
| Average earning assets | $116,922,600 | 3,888 |
| Average equity | $18,710,400 | 3,314 |
| Average total loans | $65,339,000 | 4,154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 1,487 |
| Cost of funding earning assets | 0.4635% | 2,433 |
| Net interest margin | 4.0537% | 1,518 |
| Noninterest income to average assets | 0.8839% | 1,462 |
| Noninterest expense to average assets | 3.3603% | 1,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2084% | 1,619 |
| Return on assets (ROA) | 1.2516% | 1,555 |
| Pretax return on assets | 1.2516% | 2,614 |
| Return on Equity (ROE) | 8.6038% | 2,708 |
| Retained earnings to average equity (ytd only) | 5.2614% | 2,656 |
| Net charge-offs to loans | 0.3548% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.8197% | 2,959 |
| Efficiency ratio | 73.5513% | 2,367 |
| Assets per employee ($millions) | 3.8672% | 4,184 |
| Cash dividends to net income (ytd only)* | 38.8479% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 4,540 |
| Loan loss allowance to noncurrent loans | 31.7936% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.2309% | 651 |
| Noncurrent loans to loans | 3.0639% | 480 |
| Net loans and leases to total assets | 51.5370% | 4,686 |
| Net loans and leases to deposits | 61.0727% | 4,681 |
| Net loans and leases to core deposits | 73.2090% | 4,064 |
| Total domestic deposits to total assets | 84.3863% | 3,067 |
| Equity capital to assets | 15.0699% | 727 |
| Core capital (leverage) ratio | 14.1407% | 811 |
| Tier 1 risk-based capital ratio | 24.3652% | 869 |
| Total risk-based capital ratio | 25.2372% | 882 |
| Memoranda: | ||
| Average total assets | $129,428,000 | 3,864 |
| Average earning assets | $117,652,000 | 3,896 |
| Average equity | $18,828,500 | 3,316 |
| Average total loans | $64,634,250 | 4,196 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,556 |
| Cost of funding earning assets | 0.4748% | 2,316 |
| Net interest margin | 4.0113% | 1,609 |
| Noninterest income to average assets | 0.8890% | 1,407 |
| Noninterest expense to average assets | 3.2638% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2766% | 1,343 |
| Return on assets (ROA) | 1.3074% | 1,352 |
| Pretax return on assets | 1.3074% | 2,377 |
| Return on Equity (ROE) | 9.0938% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.7131% | 2,288 |
| Net charge-offs to loans | 0.2217% | 1,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.6901% | 2,240 |
| Efficiency ratio | 71.8835% | 2,676 |
| Assets per employee ($millions) | 3.9640% | 3,979 |
| Cash dividends to net income (ytd only)* | 37.1765% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 3,761 |
| Loan loss allowance to noncurrent loans | 30.0846% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.3270% | 638 |
| Noncurrent loans to loans | 3.7681% | 339 |
| Net loans and leases to total assets | 49.8024% | 4,855 |
| Net loans and leases to deposits | 58.6111% | 4,870 |
| Net loans and leases to core deposits | 69.9110% | 4,330 |
| Total domestic deposits to total assets | 84.9709% | 2,897 |
| Equity capital to assets | 14.6369% | 835 |
| Core capital (leverage) ratio | 13.8281% | 868 |
| Tier 1 risk-based capital ratio | 24.2200% | 881 |
| Total risk-based capital ratio | 25.2325% | 886 |
| Memoranda: | ||
| Average total assets | $130,031,000 | 3,885 |
| Average earning assets | $118,366,670 | 3,904 |
| Average equity | $18,694,000 | 3,340 |
| Average total loans | $64,039,670 | 4,236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,629 |
| Cost of funding earning assets | 0.4884% | 2,191 |
| Net interest margin | 3.9717% | 1,706 |
| Noninterest income to average assets | 0.9071% | 1,296 |
| Noninterest expense to average assets | 3.1564% | 1,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3638% | 1,108 |
| Return on assets (ROA) | 1.3792% | 1,137 |
| Pretax return on assets | 1.3792% | 1,967 |
| Return on Equity (ROE) | 9.6819% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.5736% | 960 |
| Net charge-offs to loans | 0.3296% | 671 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,047 |
| Efficiency ratio | 69.8294% | 3,160 |
| Assets per employee ($millions) | 3.9737% | 3,999 |
| Cash dividends to net income (ytd only)* | 1.1186% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 3,456 |
| Loan loss allowance to noncurrent loans | 27.1824% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.7964% | 482 |
| Noncurrent loans to loans | 4.4278% | 247 |
| Net loans and leases to total assets | 47.9490% | 4,971 |
| Net loans and leases to deposits | 56.1312% | 4,978 |
| Net loans and leases to core deposits | 67.0402% | 4,471 |
| Total domestic deposits to total assets | 85.4232% | 2,943 |
| Equity capital to assets | 14.3061% | 881 |
| Core capital (leverage) ratio | 13.8459% | 852 |
| Tier 1 risk-based capital ratio | 24.6389% | 849 |
| Total risk-based capital ratio | 25.7006% | 855 |
| Memoranda: | ||
| Average total assets | $129,640,000 | 3,920 |
| Average earning assets | $117,933,500 | 3,942 |
| Average equity | $18,467,500 | 3,367 |
| Average total loans | $63,112,000 | 4,283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,001 |
| Cost of funding earning assets | 0.6913% | 859 |
| Net interest margin | 3.6777% | 2,840 |
| Noninterest income to average assets | 0.8405% | 1,640 |
| Noninterest expense to average assets | 3.4234% | 1,443 |
| Loan and lease loss provision to assets | -0.3116% | 6,068 |
| Net operating income to assets | 1.1061% | 1,899 |
| Return on assets (ROA) | 1.1489% | 1,806 |
| Pretax return on assets | 1.1489% | 2,846 |
| Return on Equity (ROE) | 8.2748% | 2,810 |
| Retained earnings to average equity (ytd only) | 3.7195% | 3,403 |
| Net charge-offs to loans | 0.0703% | 2,839 |
| Credit loss provision to net charge-offs | -952.3810% | 5,553 |
| Earnings coverage of net charge-offs (x) | 24.2857% | 1,683 |
| Efficiency ratio | 81.1634% | 1,512 |
| Assets per employee ($millions) | 3.8832% | 4,150 |
| Cash dividends to net income (ytd only)* | 55.0508% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,858 |
| Loan loss allowance to noncurrent loans | 41.2714% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.2747% | 727 |
| Noncurrent loans to loans | 3.1671% | 485 |
| Net loans and leases to total assets | 48.1970% | 5,000 |
| Net loans and leases to deposits | 56.2925% | 5,025 |
| Net loans and leases to core deposits | 67.4099% | 4,487 |
| Total domestic deposits to total assets | 85.6189% | 2,806 |
| Equity capital to assets | 14.1829% | 870 |
| Core capital (leverage) ratio | 13.7463% | 895 |
| Tier 1 risk-based capital ratio | 24.9590% | 820 |
| Total risk-based capital ratio | 26.1368% | 810 |
| Memoranda: | ||
| Average total assets | $128,381,600 | 3,921 |
| Average earning assets | $117,899,000 | 3,928 |
| Average equity | $17,825,200 | 3,404 |
| Average total loans | $59,741,400 | 4,384 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,324 |
| Cost of funding earning assets | 0.7275% | 720 |
| Net interest margin | 3.5448% | 3,362 |
| Noninterest income to average assets | 0.8253% | 1,705 |
| Noninterest expense to average assets | 3.0073% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0806% | 2,093 |
| Return on assets (ROA) | 1.1346% | 1,955 |
| Pretax return on assets | 1.1346% | 3,077 |
| Return on Equity (ROE) | 8.2158% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.6830% | 3,139 |
| Net charge-offs to loans | 0.0768% | 2,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 30.6192% | 1,471 |
| Efficiency ratio | 73.5653% | 2,625 |
| Assets per employee ($millions) | 3.8913% | 4,101 |
| Cash dividends to net income (ytd only)* | 43.0008% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 908 |
| Loan loss allowance to noncurrent loans | 57.5857% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 2.5768% | 652 |
| Noncurrent loans to loans | 3.4809% | 448 |
| Net loans and leases to total assets | 46.6744% | 5,176 |
| Net loans and leases to deposits | 57.2247% | 5,060 |
| Net loans and leases to core deposits | 70.0817% | 4,362 |
| Total domestic deposits to total assets | 81.5634% | 4,300 |
| Equity capital to assets | 14.0126% | 1,018 |
| Core capital (leverage) ratio | 13.4646% | 1,031 |
| Tier 1 risk-based capital ratio | 26.1020% | 752 |
| Total risk-based capital ratio | 27.3592% | 738 |
| Memoranda: | ||
| Average total assets | $128,440,250 | 3,964 |
| Average earning assets | $118,217,750 | 3,954 |
| Average equity | $17,737,750 | 3,446 |
| Average total loans | $59,031,500 | 4,451 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,490 |
| Cost of funding earning assets | 0.7349% | 697 |
| Net interest margin | 3.4826% | 3,568 |
| Noninterest income to average assets | 0.7910% | 1,815 |
| Noninterest expense to average assets | 3.0238% | 2,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9840% | 2,483 |
| Return on assets (ROA) | 1.0603% | 2,206 |
| Pretax return on assets | 1.0603% | 3,339 |
| Return on Equity (ROE) | 7.7157% | 3,207 |
| Retained earnings to average equity (ytd only) | 4.1581% | 3,385 |
| Net charge-offs to loans | 0.0171% | 3,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 126.4000% | 500 |
| Efficiency ratio | 75.4468% | 2,462 |
| Assets per employee ($millions) | 3.9994% | 3,889 |
| Cash dividends to net income (ytd only)* | 46.1087% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0974% | 858 |
| Loan loss allowance to noncurrent loans | 79.2298% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.0433% | 1,065 |
| Noncurrent loans to loans | 2.6472% | 827 |
| Net loans and leases to total assets | 45.7740% | 5,268 |
| Net loans and leases to deposits | 55.7563% | 5,133 |
| Net loans and leases to core deposits | 68.2138% | 4,472 |
| Total domestic deposits to total assets | 82.0966% | 4,263 |
| Equity capital to assets | 13.6083% | 1,124 |
| Core capital (leverage) ratio | 13.2246% | 1,083 |
| Tier 1 risk-based capital ratio | 26.0846% | 774 |
| Total risk-based capital ratio | 27.3430% | 757 |
| Memoranda: | ||
| Average total assets | $128,449,330 | 3,992 |
| Average earning assets | $118,648,000 | 3,975 |
| Average equity | $17,652,330 | 3,474 |
| Average total loans | $58,321,330 | 4,503 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1393% | 2,677 |
| Cost of funding earning assets | 0.7407% | 693 |
| Net interest margin | 3.3986% | 3,849 |
| Noninterest income to average assets | 0.7864% | 1,759 |
| Noninterest expense to average assets | 2.8877% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0506% | 2,032 |
| Return on assets (ROA) | 1.2030% | 1,634 |
| Pretax return on assets | 1.2030% | 2,654 |
| Return on Equity (ROE) | 8.7111% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.6210% | 1,336 |
| Net charge-offs to loans | 0.0764% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 30.7273% | 1,139 |
| Efficiency ratio | 73.3228% | 2,942 |
| Assets per employee ($millions) | 4.2166% | 3,535 |
| Cash dividends to net income (ytd only)* | 1.0336% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 884 |
| Loan loss allowance to noncurrent loans | 74.5227% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.1053% | 1,098 |
| Noncurrent loans to loans | 2.8590% | 791 |
| Net loans and leases to total assets | 43.8906% | 5,360 |
| Net loans and leases to deposits | 53.4867% | 5,235 |
| Net loans and leases to core deposits | 64.8257% | 4,623 |
| Total domestic deposits to total assets | 82.0588% | 4,495 |
| Equity capital to assets | 13.8070% | 1,054 |
| Core capital (leverage) ratio | 13.3864% | 1,016 |
| Tier 1 risk-based capital ratio | 26.2583% | 768 |
| Total risk-based capital ratio | 27.5161% | 748 |
| Memoranda: | ||
| Average total assets | $128,683,500 | 4,014 |
| Average earning assets | $119,343,000 | 3,989 |
| Average equity | $17,770,500 | 3,486 |
| Average total loans | $57,563,500 | 4,559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 2,297 |
| Cost of funding earning assets | 0.8221% | 578 |
| Net interest margin | 3.5543% | 3,584 |
| Noninterest income to average assets | 0.8640% | 1,631 |
| Noninterest expense to average assets | 2.9141% | 3,103 |
| Loan and lease loss provision to assets | 0.0200% | 4,217 |
| Net operating income to assets | 1.2404% | 1,466 |
| Return on assets (ROA) | 1.3020% | 1,352 |
| Pretax return on assets | 1.3020% | 2,235 |
| Return on Equity (ROE) | 10.1628% | 2,041 |
| Retained earnings to average equity (ytd only) | 4.9722% | 2,618 |
| Net charge-offs to loans | -0.1364% | 6,187 |
| Credit loss provision to net charge-offs | -32.8947% | 5,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8066% | 3,563 |
| Assets per employee ($millions) | 4.0855% | 3,753 |
| Cash dividends to net income (ytd only)* | 51.0743% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 789 |
| Loan loss allowance to noncurrent loans | 76.8293% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.1792% | 1,123 |
| Noncurrent loans to loans | 2.9023% | 787 |
| Net loans and leases to total assets | 43.6207% | 5,490 |
| Net loans and leases to deposits | 53.1595% | 5,398 |
| Net loans and leases to core deposits | 64.8123% | 4,770 |
| Total domestic deposits to total assets | 82.0562% | 4,402 |
| Equity capital to assets | 13.8120% | 1,028 |
| Core capital (leverage) ratio | 13.3650% | 1,011 |
| Tier 1 risk-based capital ratio | 26.6697% | 711 |
| Total risk-based capital ratio | 27.9286% | 692 |
| Memoranda: | ||
| Average total assets | $125,117,000 | 4,081 |
| Average earning assets | $116,535,000 | 4,040 |
| Average equity | $16,029,000 | 3,662 |
| Average total loans | $55,729,400 | 4,621 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,321 |
| Cost of funding earning assets | 0.8384% | 562 |
| Net interest margin | 3.5373% | 3,684 |
| Noninterest income to average assets | 0.8797% | 1,591 |
| Noninterest expense to average assets | 2.9064% | 3,093 |
| Loan and lease loss provision to assets | 0.0267% | 3,873 |
| Net operating income to assets | 1.2432% | 1,545 |
| Return on assets (ROA) | 1.3212% | 1,372 |
| Pretax return on assets | 1.3212% | 2,299 |
| Return on Equity (ROE) | 10.5214% | 1,985 |
| Retained earnings to average equity (ytd only) | 7.8399% | 1,431 |
| Net charge-offs to loans | -0.0192% | 5,600 |
| Credit loss provision to net charge-offs | -312.5000% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5930% | 3,578 |
| Assets per employee ($millions) | 3.9902% | 3,915 |
| Cash dividends to net income (ytd only)* | 25.4854% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 992 |
| Loan loss allowance to noncurrent loans | 83.4734% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 1,472 |
| Noncurrent loans to loans | 2.5953% | 1,106 |
| Net loans and leases to total assets | 43.5180% | 5,558 |
| Net loans and leases to deposits | 53.3203% | 5,433 |
| Net loans and leases to core deposits | 66.0604% | 4,706 |
| Total domestic deposits to total assets | 81.6162% | 4,626 |
| Equity capital to assets | 13.8404% | 1,056 |
| Core capital (leverage) ratio | 13.6203% | 958 |
| Tier 1 risk-based capital ratio | 27.9563% | 645 |
| Total risk-based capital ratio | 29.2146% | 630 |
| Memoranda: | ||
| Average total assets | $124,733,500 | 4,129 |
| Average earning assets | $116,244,250 | 4,081 |
| Average equity | $15,663,000 | 3,740 |
| Average total loans | $55,535,250 | 4,672 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3658% | 2,312 |
| Cost of funding earning assets | 0.8557% | 544 |
| Net interest margin | 3.5101% | 3,741 |
| Noninterest income to average assets | 0.8283% | 1,742 |
| Noninterest expense to average assets | 2.7662% | 3,631 |
| Loan and lease loss provision to assets | 0.0400% | 3,510 |
| Net operating income to assets | 1.3016% | 1,304 |
| Return on assets (ROA) | 1.3399% | 1,248 |
| Pretax return on assets | 1.3399% | 2,117 |
| Return on Equity (ROE) | 11.0428% | 1,728 |
| Retained earnings to average equity (ytd only) | 8.2623% | 1,231 |
| Net charge-offs to loans | -0.0574% | 5,935 |
| Credit loss provision to net charge-offs | -156.2500% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3414% | 4,142 |
| Assets per employee ($millions) | 4.0063% | 3,825 |
| Cash dividends to net income (ytd only)* | 25.1790% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1720% | 1,067 |
| Loan loss allowance to noncurrent loans | 69.8487% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.1877% | 1,395 |
| Noncurrent loans to loans | 3.1096% | 916 |
| Net loans and leases to total assets | 43.5183% | 5,565 |
| Net loans and leases to deposits | 52.8411% | 5,439 |
| Net loans and leases to core deposits | 65.0053% | 4,726 |
| Total domestic deposits to total assets | 82.3569% | 4,521 |
| Equity capital to assets | 13.2363% | 1,252 |
| Core capital (leverage) ratio | 13.2291% | 1,072 |
| Tier 1 risk-based capital ratio | 27.2808% | 686 |
| Total risk-based capital ratio | 28.5405% | 670 |
| Memoranda: | ||
| Average total assets | $125,079,330 | 4,129 |
| Average earning assets | $116,862,330 | 4,088 |
| Average equity | $15,177,330 | 3,826 |
| Average total loans | $55,706,330 | 4,701 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,711 |
| Cost of funding earning assets | 0.8814% | 499 |
| Net interest margin | 3.3616% | 4,284 |
| Noninterest income to average assets | 0.7744% | 1,857 |
| Noninterest expense to average assets | 2.7374% | 3,808 |
| Loan and lease loss provision to assets | 0.0797% | 2,553 |
| Net operating income to assets | 1.0930% | 1,843 |
| Return on assets (ROA) | 1.0803% | 1,962 |
| Pretax return on assets | 1.0803% | 2,996 |
| Return on Equity (ROE) | 9.3218% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.1843% | 1,200 |
| Net charge-offs to loans | -0.1216% | 6,198 |
| Credit loss provision to net charge-offs | -147.0588% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0081% | 3,841 |
| Assets per employee ($millions) | 4.3666% | 3,209 |
| Cash dividends to net income (ytd only)* | 1.4749% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1746% | 1,206 |
| Loan loss allowance to noncurrent loans | 77.6843% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.1788% | 1,526 |
| Noncurrent loans to loans | 2.7993% | 1,189 |
| Net loans and leases to total assets | 42.6649% | 5,612 |
| Net loans and leases to deposits | 52.4056% | 5,434 |
| Net loans and leases to core deposits | 64.2934% | 4,668 |
| Total domestic deposits to total assets | 81.4129% | 5,119 |
| Equity capital to assets | 12.0215% | 1,856 |
| Core capital (leverage) ratio | 12.9748% | 1,175 |
| Tier 1 risk-based capital ratio | 26.2229% | 773 |
| Total risk-based capital ratio | 27.4814% | 760 |
| Memoranda: | ||
| Average total assets | $125,521,000 | 4,153 |
| Average earning assets | $117,086,000 | 4,113 |
| Average equity | $14,546,500 | 3,941 |
| Average total loans | $55,935,500 | 4,727 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 2,385 |
| Cost of funding earning assets | 0.9690% | 529 |
| Net interest margin | 3.4834% | 3,971 |
| Noninterest income to average assets | 0.6331% | 2,896 |
| Noninterest expense to average assets | 2.5694% | 4,555 |
| Loan and lease loss provision to assets | 0.0588% | 3,963 |
| Net operating income to assets | 1.2671% | 1,342 |
| Return on assets (ROA) | 1.5257% | 816 |
| Pretax return on assets | 1.5257% | 1,361 |
| Return on Equity (ROE) | 12.8413% | 1,197 |
| Retained earnings to average equity (ytd only) | 8.0398% | 1,045 |
| Net charge-offs to loans | -0.0088% | 6,002 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9626% | 4,568 |
| Assets per employee ($millions) | 4.2900% | 3,289 |
| Cash dividends to net income (ytd only)* | 37.3909% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 1,448 |
| Loan loss allowance to noncurrent loans | 52.7778% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.3511% | 1,482 |
| Noncurrent loans to loans | 3.8769% | 763 |
| Net loans and leases to total assets | 44.5973% | 5,618 |
| Net loans and leases to deposits | 54.2207% | 5,449 |
| Net loans and leases to core deposits | 67.1069% | 4,603 |
| Total domestic deposits to total assets | 82.2516% | 4,786 |
| Equity capital to assets | 11.1485% | 2,476 |
| Core capital (leverage) ratio | 12.8458% | 1,201 |
| Tier 1 risk-based capital ratio | 25.4750% | 814 |
| Total risk-based capital ratio | 26.7330% | 800 |
| Memoranda: | ||
| Average total assets | $127,617,000 | 4,120 |
| Average earning assets | $119,509,600 | 4,059 |
| Average equity | $15,162,000 | 3,836 |
| Average total loans | $57,050,400 | 4,713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4264% | 2,503 |
| Cost of funding earning assets | 0.9830% | 540 |
| Net interest margin | 3.4434% | 4,110 |
| Noninterest income to average assets | 0.7226% | 2,498 |
| Noninterest expense to average assets | 2.5499% | 4,555 |
| Loan and lease loss provision to assets | 0.0779% | 3,503 |
| Net operating income to assets | 1.3207% | 1,293 |
| Return on assets (ROA) | 1.6633% | 697 |
| Pretax return on assets | 1.6633% | 1,176 |
| Return on Equity (ROE) | 13.7937% | 1,039 |
| Retained earnings to average equity (ytd only) | 10.7284% | 633 |
| Net charge-offs to loans | 0.0233% | 4,669 |
| Credit loss provision to net charge-offs | 750.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 134.7307% | 401 |
| Efficiency ratio | 64.5806% | 4,711 |
| Assets per employee ($millions) | 4.5182% | 2,854 |
| Cash dividends to net income (ytd only)* | 22.2220% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9947% | 1,734 |
| Loan loss allowance to noncurrent loans | 53.3831% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 2.5559% | 1,493 |
| Noncurrent loans to loans | 3.7366% | 985 |
| Net loans and leases to total assets | 46.0755% | 5,546 |
| Net loans and leases to deposits | 56.5490% | 5,327 |
| Net loans and leases to core deposits | 70.5103% | 4,265 |
| Total domestic deposits to total assets | 81.4790% | 5,091 |
| Equity capital to assets | 11.4927% | 2,309 |
| Core capital (leverage) ratio | 12.8087% | 1,282 |
| Tier 1 risk-based capital ratio | 25.4831% | 836 |
| Total risk-based capital ratio | 26.7410% | 819 |
| Memoranda: | ||
| Average total assets | $128,418,500 | 4,152 |
| Average earning assets | $120,304,250 | 4,093 |
| Average equity | $15,485,000 | 3,831 |
| Average total loans | $57,152,250 | 4,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 2,653 |
| Cost of funding earning assets | 0.9813% | 593 |
| Net interest margin | 3.3945% | 4,208 |
| Noninterest income to average assets | 0.6541% | 2,892 |
| Noninterest expense to average assets | 2.5704% | 4,492 |
| Loan and lease loss provision to assets | 0.1149% | 2,892 |
| Net operating income to assets | 1.1535% | 1,724 |
| Return on assets (ROA) | 1.6590% | 742 |
| Pretax return on assets | 1.6590% | 1,217 |
| Return on Equity (ROE) | 13.5601% | 1,115 |
| Retained earnings to average equity (ytd only) | 10.6553% | 712 |
| Net charge-offs to loans | 0.0350% | 4,192 |
| Credit loss provision to net charge-offs | 750.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 82.8000% | 548 |
| Efficiency ratio | 66.9593% | 4,368 |
| Assets per employee ($millions) | 4.4565% | 2,887 |
| Cash dividends to net income (ytd only)* | 21.4220% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9944% | 1,860 |
| Loan loss allowance to noncurrent loans | 50.3965% | 5,189 |
| Noncurrent assets plus other real estate owned to assets | 2.3159% | 1,868 |
| Noncurrent loans to loans | 3.9575% | 990 |
| Net loans and leases to total assets | 43.4980% | 5,787 |
| Net loans and leases to deposits | 53.1357% | 5,596 |
| Net loans and leases to core deposits | 67.2674% | 4,567 |
| Total domestic deposits to total assets | 81.8621% | 5,094 |
| Equity capital to assets | 11.6158% | 2,201 |
| Core capital (leverage) ratio | 11.4967% | 1,936 |
| Tier 1 risk-based capital ratio | 24.5062% | 937 |
| Total risk-based capital ratio | 25.7624% | 916 |
| Memoranda: | ||
| Average total assets | $130,561,000 | 4,129 |
| Average earning assets | $122,492,000 | 4,075 |
| Average equity | $15,973,330 | 3,775 |
| Average total loans | $57,085,670 | 4,780 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,361 |
| Cost of funding earning assets | 0.9861% | 662 |
| Net interest margin | 3.4611% | 3,855 |
| Noninterest income to average assets | 0.7895% | 2,166 |
| Noninterest expense to average assets | 2.5148% | 4,702 |
| Loan and lease loss provision to assets | 0.2286% | 1,606 |
| Net operating income to assets | 1.2986% | 1,279 |
| Return on assets (ROA) | 2.2649% | 238 |
| Pretax return on assets | 2.2649% | 372 |
| Return on Equity (ROE) | 18.0625% | 431 |
| Retained earnings to average equity (ytd only) | 17.9409% | 201 |
| Net charge-offs to loans | 0.0983% | 2,872 |
| Credit loss provision to net charge-offs | 535.7143% | 502 |
| Earnings coverage of net charge-offs (x) | 35.7857% | 862 |
| Efficiency ratio | 62.2172% | 5,276 |
| Assets per employee ($millions) | 4.6928% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.6729% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 2,055 |
| Loan loss allowance to noncurrent loans | 54.9133% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.1302% | 2,205 |
| Noncurrent loans to loans | 3.6354% | 1,305 |
| Net loans and leases to total assets | 41.1232% | 5,908 |
| Net loans and leases to deposits | 50.2740% | 5,767 |
| Net loans and leases to core deposits | 62.7981% | 4,873 |
| Total domestic deposits to total assets | 81.7982% | 5,270 |
| Equity capital to assets | 12.1264% | 1,952 |
| Core capital (leverage) ratio | 11.9779% | 1,576 |
| Tier 1 risk-based capital ratio | 23.9250% | 1,028 |
| Total risk-based capital ratio | 25.1822% | 1,008 |
| Memoranda: | ||
| Average total assets | $131,222,500 | 4,157 |
| Average earning assets | $123,315,000 | 4,084 |
| Average equity | $16,454,000 | 3,744 |
| Average total loans | $56,948,500 | 4,818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 2,006 |
| Cost of funding earning assets | 1.2042% | 565 |
| Net interest margin | 3.6500% | 3,876 |
| Noninterest income to average assets | 0.4150% | 4,494 |
| Noninterest expense to average assets | 2.4709% | 5,184 |
| Loan and lease loss provision to assets | 0.2394% | 2,735 |
| Net operating income to assets | 1.1301% | 1,841 |
| Return on assets (ROA) | 1.1596% | 1,894 |
| Pretax return on assets | 1.1596% | 2,952 |
| Return on Equity (ROE) | 9.1345% | 2,572 |
| Retained earnings to average equity (ytd only) | 4.8847% | 2,780 |
| Net charge-offs to loans | 0.4386% | 2,476 |
| Credit loss provision to net charge-offs | 119.5219% | 2,400 |
| Earnings coverage of net charge-offs (x) | 6.8367% | 2,725 |
| Efficiency ratio | 64.3392% | 4,823 |
| Assets per employee ($millions) | 4.3570% | 3,241 |
| Cash dividends to net income (ytd only)* | 46.5244% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8999% | 2,294 |
| Loan loss allowance to noncurrent loans | 36.4404% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9417% | 1,614 |
| Noncurrent loans to loans | 5.2138% | 744 |
| Net loans and leases to total assets | 44.0928% | 5,806 |
| Net loans and leases to deposits | 54.7580% | 5,576 |
| Net loans and leases to core deposits | 69.7930% | 4,341 |
| Total domestic deposits to total assets | 80.5230% | 5,539 |
| Equity capital to assets | 12.9834% | 1,461 |
| Core capital (leverage) ratio | 11.7763% | 1,683 |
| Tier 1 risk-based capital ratio | 23.6679% | 1,010 |
| Total risk-based capital ratio | 24.9241% | 989 |
| Memoranda: | ||
| Average total assets | $125,300,600 | 4,241 |
| Average earning assets | $117,590,400 | 4,174 |
| Average equity | $15,906,800 | 3,787 |
| Average total loans | $57,234,000 | 4,826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 2,071 |
| Cost of funding earning assets | 1.2395% | 577 |
| Net interest margin | 3.6447% | 4,027 |
| Noninterest income to average assets | 0.4169% | 4,505 |
| Noninterest expense to average assets | 2.5005% | 5,087 |
| Loan and lease loss provision to assets | 0.2399% | 2,654 |
| Net operating income to assets | 1.0940% | 2,116 |
| Return on assets (ROA) | 1.0940% | 2,308 |
| Pretax return on assets | 1.0940% | 3,371 |
| Return on Equity (ROE) | 8.6678% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.0235% | 2,688 |
| Net charge-offs to loans | 0.3581% | 2,670 |
| Credit loss provision to net charge-offs | 146.1039% | 1,951 |
| Earnings coverage of net charge-offs (x) | 8.1233% | 2,501 |
| Efficiency ratio | 65.2113% | 4,588 |
| Assets per employee ($millions) | 4.2760% | 3,326 |
| Cash dividends to net income (ytd only)* | 30.5065% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9513% | 2,322 |
| Loan loss allowance to noncurrent loans | 35.1196% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 3.1733% | 1,624 |
| Noncurrent loans to loans | 5.5561% | 769 |
| Net loans and leases to total assets | 44.6139% | 5,918 |
| Net loans and leases to deposits | 55.9168% | 5,645 |
| Net loans and leases to core deposits | 71.6118% | 4,303 |
| Total domestic deposits to total assets | 79.7861% | 5,711 |
| Equity capital to assets | 13.3488% | 1,413 |
| Core capital (leverage) ratio | 11.7612% | 1,799 |
| Tier 1 risk-based capital ratio | 23.4867% | 1,092 |
| Total risk-based capital ratio | 24.7437% | 1,071 |
| Memoranda: | ||
| Average total assets | $125,037,250 | 4,289 |
| Average earning assets | $117,246,250 | 4,212 |
| Average equity | $15,782,250 | 3,848 |
| Average total loans | $57,344,500 | 4,873 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8574% | 2,280 |
| Cost of funding earning assets | 1.2897% | 547 |
| Net interest margin | 3.5676% | 4,391 |
| Noninterest income to average assets | 0.3908% | 4,722 |
| Noninterest expense to average assets | 2.5634% | 4,909 |
| Loan and lease loss provision to assets | 0.2393% | 2,673 |
| Net operating income to assets | 0.9284% | 2,767 |
| Return on assets (ROA) | 0.9284% | 3,031 |
| Pretax return on assets | 0.9284% | 3,970 |
| Return on Equity (ROE) | 7.4974% | 3,519 |
| Retained earnings to average equity (ytd only) | 4.7922% | 3,418 |
| Net charge-offs to loans | -0.1006% | 6,860 |
| Credit loss provision to net charge-offs | -517.2414% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7046% | 3,998 |
| Assets per employee ($millions) | 4.3084% | 3,244 |
| Cash dividends to net income (ytd only)* | 36.0825% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 1,981 |
| Loan loss allowance to noncurrent loans | 35.5484% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 3.4511% | 1,549 |
| Noncurrent loans to loans | 5.9263% | 751 |
| Net loans and leases to total assets | 44.9630% | 5,930 |
| Net loans and leases to deposits | 55.8223% | 5,671 |
| Net loans and leases to core deposits | 70.6272% | 4,453 |
| Total domestic deposits to total assets | 80.5466% | 5,600 |
| Equity capital to assets | 12.7632% | 1,649 |
| Core capital (leverage) ratio | 11.3660% | 1,994 |
| Tier 1 risk-based capital ratio | 22.8963% | 1,148 |
| Total risk-based capital ratio | 24.1542% | 1,126 |
| Memoranda: | ||
| Average total assets | $125,381,670 | 4,304 |
| Average earning assets | $117,388,670 | 4,230 |
| Average equity | $15,525,330 | 3,884 |
| Average total loans | $57,651,330 | 4,884 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 2,439 |
| Cost of funding earning assets | 1.3646% | 481 |
| Net interest margin | 3.4865% | 4,769 |
| Noninterest income to average assets | 0.6879% | 2,722 |
| Noninterest expense to average assets | 2.5223% | 5,081 |
| Loan and lease loss provision to assets | 0.2389% | 2,560 |
| Net operating income to assets | 1.1815% | 1,797 |
| Return on assets (ROA) | 1.1815% | 1,977 |
| Pretax return on assets | 1.1815% | 2,978 |
| Return on Equity (ROE) | 9.6902% | 2,521 |
| Retained earnings to average equity (ytd only) | 9.6118% | 1,379 |
| Net charge-offs to loans | -0.0900% | 6,752 |
| Credit loss provision to net charge-offs | -576.9231% | 5,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9742% | 4,925 |
| Assets per employee ($millions) | 4.5047% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.8086% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 2,529 |
| Loan loss allowance to noncurrent loans | 33.5434% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 3.5067% | 1,638 |
| Noncurrent loans to loans | 5.8062% | 889 |
| Net loans and leases to total assets | 44.6250% | 5,942 |
| Net loans and leases to deposits | 57.8937% | 5,386 |
| Net loans and leases to core deposits | 70.5268% | 4,339 |
| Total domestic deposits to total assets | 77.0810% | 6,393 |
| Equity capital to assets | 12.2888% | 1,861 |
| Core capital (leverage) ratio | 11.3151% | 2,021 |
| Tier 1 risk-based capital ratio | 22.6683% | 1,180 |
| Total risk-based capital ratio | 23.9250% | 1,158 |
| Memoranda: | ||
| Average total assets | $125,600,000 | 4,334 |
| Average earning assets | $117,252,500 | 4,263 |
| Average equity | $15,314,500 | 3,931 |
| Average total loans | $57,783,000 | 4,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 835 |
| Cost of funding earning assets | 1.6921% | 333 |
| Net interest margin | 3.9754% | 3,003 |
| Noninterest income to average assets | 0.3599% | 4,939 |
| Noninterest expense to average assets | 2.6547% | 4,908 |
| Loan and lease loss provision to assets | 0.3672% | 2,790 |
| Net operating income to assets | 0.6357% | 3,805 |
| Return on assets (ROA) | 0.6855% | 3,744 |
| Pretax return on assets | 0.6855% | 4,383 |
| Return on Equity (ROE) | 5.8026% | 3,969 |
| Retained earnings to average equity (ytd only) | 1.5681% | 5,093 |
| Net charge-offs to loans | 0.6840% | 2,445 |
| Credit loss provision to net charge-offs | 111.1111% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.0346% | 3,694 |
| Efficiency ratio | 72.5792% | 3,467 |
| Assets per employee ($millions) | 4.3127% | 3,227 |
| Cash dividends to net income (ytd only)* | 72.9762% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 2,963 |
| Loan loss allowance to noncurrent loans | 28.2967% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 3.7795% | 1,532 |
| Noncurrent loans to loans | 6.2584% | 778 |
| Net loans and leases to total assets | 45.6804% | 6,038 |
| Net loans and leases to deposits | 59.1068% | 5,589 |
| Net loans and leases to core deposits | 71.3410% | 4,613 |
| Total domestic deposits to total assets | 77.2845% | 6,303 |
| Equity capital to assets | 12.0965% | 2,047 |
| Core capital (leverage) ratio | 11.1752% | 2,141 |
| Tier 1 risk-based capital ratio | 20.4946% | 1,526 |
| Total risk-based capital ratio | 21.7481% | 1,494 |
| Memoranda: | ||
| Average total assets | $122,539,000 | 4,332 |
| Average earning assets | $101,650,200 | 4,592 |
| Average equity | $14,476,200 | 4,015 |
| Average total loans | $59,210,800 | 4,894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8030% | 697 |
| Cost of funding earning assets | 1.7825% | 277 |
| Net interest margin | 4.0205% | 2,830 |
| Noninterest income to average assets | 0.2625% | 5,743 |
| Noninterest expense to average assets | 2.6938% | 4,752 |
| Loan and lease loss provision to assets | 0.2187% | 3,826 |
| Net operating income to assets | 0.5840% | 4,158 |
| Return on assets (ROA) | 0.6508% | 4,040 |
| Pretax return on assets | 0.6508% | 4,646 |
| Return on Equity (ROE) | 5.5426% | 4,257 |
| Retained earnings to average equity (ytd only) | 2.2357% | 5,012 |
| Net charge-offs to loans | 0.2802% | 3,681 |
| Credit loss provision to net charge-offs | 160.0000% | 1,922 |
| Earnings coverage of net charge-offs (x) | 5.8721% | 2,678 |
| Efficiency ratio | 77.0410% | 2,671 |
| Assets per employee ($millions) | 4.3668% | 3,145 |
| Cash dividends to net income (ytd only)* | 59.6639% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,921 |
| Loan loss allowance to noncurrent loans | 20.9279% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 4.6795% | 1,264 |
| Noncurrent loans to loans | 8.6326% | 483 |
| Net loans and leases to total assets | 45.4946% | 6,189 |
| Net loans and leases to deposits | 59.0212% | 5,746 |
| Net loans and leases to core deposits | 70.0837% | 4,939 |
| Total domestic deposits to total assets | 77.0817% | 6,368 |
| Equity capital to assets | 12.1394% | 2,149 |
| Core capital (leverage) ratio | 11.5667% | 1,977 |
| Tier 1 risk-based capital ratio | 20.0902% | 1,663 |
| Total risk-based capital ratio | 21.3439% | 1,631 |
| Memoranda: | ||
| Average total assets | $121,906,500 | 4,366 |
| Average earning assets | $98,061,000 | 4,717 |
| Average equity | $14,313,000 | 4,074 |
| Average total loans | $59,473,000 | 4,924 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0076% | 473 |
| Cost of funding earning assets | 1.8749% | 233 |
| Net interest margin | 4.1328% | 2,296 |
| Noninterest income to average assets | 0.6582% | 2,775 |
| Noninterest expense to average assets | 2.6826% | 4,891 |
| Loan and lease loss provision to assets | 0.2493% | 3,415 |
| Net operating income to assets | 0.9723% | 2,349 |
| Return on assets (ROA) | 1.0022% | 2,317 |
| Pretax return on assets | 1.0022% | 3,231 |
| Return on Equity (ROE) | 8.6392% | 2,661 |
| Retained earnings to average equity (ytd only) | 5.0431% | 2,978 |
| Net charge-offs to loans | 0.1774% | 4,102 |
| Credit loss provision to net charge-offs | 283.0189% | 1,080 |
| Earnings coverage of net charge-offs (x) | 13.8679% | 1,514 |
| Efficiency ratio | 68.7101% | 4,389 |
| Assets per employee ($millions) | 4.1345% | 3,481 |
| Cash dividends to net income (ytd only)* | 41.6252% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 2,937 |
| Loan loss allowance to noncurrent loans | 24.9481% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 4.6214% | 1,355 |
| Noncurrent loans to loans | 7.2743% | 689 |
| Net loans and leases to total assets | 48.8232% | 5,971 |
| Net loans and leases to deposits | 63.6356% | 5,322 |
| Net loans and leases to core deposits | 76.1295% | 4,302 |
| Total domestic deposits to total assets | 76.7231% | 6,492 |
| Equity capital to assets | 12.1093% | 2,022 |
| Core capital (leverage) ratio | 11.6447% | 1,818 |
| Tier 1 risk-based capital ratio | 20.3165% | 1,552 |
| Total risk-based capital ratio | 21.5698% | 1,522 |
| Memoranda: | ||
| Average total assets | $120,329,670 | 4,443 |
| Average earning assets | $94,513,330 | 4,868 |
| Average equity | $13,959,670 | 4,130 |
| Average total loans | $59,739,670 | 4,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1261% | 382 |
| Cost of funding earning assets | 1.9399% | 212 |
| Net interest margin | 4.1861% | 1,940 |
| Noninterest income to average assets | 0.7101% | 2,522 |
| Noninterest expense to average assets | 2.6447% | 5,061 |
| Loan and lease loss provision to assets | 0.2489% | 3,171 |
| Net operating income to assets | 1.0818% | 1,901 |
| Return on assets (ROA) | 1.1116% | 1,857 |
| Pretax return on assets | 1.1116% | 2,717 |
| Return on Equity (ROE) | 9.7953% | 2,171 |
| Retained earnings to average equity (ytd only) | 9.6784% | 1,189 |
| Net charge-offs to loans | 0.4080% | 2,463 |
| Credit loss provision to net charge-offs | 122.9508% | 2,231 |
| Earnings coverage of net charge-offs (x) | 6.5738% | 2,077 |
| Efficiency ratio | 66.5275% | 4,939 |
| Assets per employee ($millions) | 4.1611% | 3,520 |
| Cash dividends to net income (ytd only)* | 1.1940% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 3,364 |
| Loan loss allowance to noncurrent loans | 22.7149% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 4.9821% | 1,264 |
| Noncurrent loans to loans | 7.4482% | 700 |
| Net loans and leases to total assets | 48.1052% | 6,063 |
| Net loans and leases to deposits | 62.1816% | 5,472 |
| Net loans and leases to core deposits | 73.9544% | 4,536 |
| Total domestic deposits to total assets | 77.3624% | 6,473 |
| Equity capital to assets | 11.5761% | 2,205 |
| Core capital (leverage) ratio | 11.4941% | 1,849 |
| Tier 1 risk-based capital ratio | 20.3131% | 1,519 |
| Total risk-based capital ratio | 21.5651% | 1,493 |
| Memoranda: | ||
| Average total assets | $120,544,500 | 4,465 |
| Average earning assets | $94,024,500 | 4,913 |
| Average equity | $13,680,000 | 4,174 |
| Average total loans | $59,799,000 | 5,009 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2541% | 506 |
| Cost of funding earning assets | 2.1452% | 369 |
| Net interest margin | 4.1089% | 2,525 |
| Noninterest income to average assets | 0.7757% | 2,401 |
| Noninterest expense to average assets | 2.5244% | 5,703 |
| Loan and lease loss provision to assets | 0.5364% | 3,004 |
| Net operating income to assets | 1.1355% | 1,593 |
| Return on assets (ROA) | 1.2205% | 1,439 |
| Pretax return on assets | 1.2205% | 2,158 |
| Return on Equity (ROE) | 10.6799% | 1,698 |
| Retained earnings to average equity (ytd only) | 4.6504% | 2,638 |
| Net charge-offs to loans | 0.9192% | 2,342 |
| Credit loss provision to net charge-offs | 111.8761% | 3,913 |
| Earnings coverage of net charge-offs (x) | 3.4871% | 3,336 |
| Efficiency ratio | 60.1573% | 6,023 |
| Assets per employee ($millions) | 4.1523% | 3,473 |
| Cash dividends to net income (ytd only)* | 56.4571% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,480 |
| Loan loss allowance to noncurrent loans | 25.1983% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 4.5110% | 1,484 |
| Noncurrent loans to loans | 6.4558% | 932 |
| Net loans and leases to total assets | 49.4652% | 6,218 |
| Net loans and leases to deposits | 63.5306% | 5,676 |
| Net loans and leases to core deposits | 75.4255% | 4,800 |
| Total domestic deposits to total assets | 77.8605% | 6,346 |
| Equity capital to assets | 11.1204% | 2,584 |
| Core capital (leverage) ratio | 11.2067% | 2,008 |
| Tier 1 risk-based capital ratio | 19.3715% | 1,623 |
| Total risk-based capital ratio | 20.6228% | 1,596 |
| Memoranda: | ||
| Average total assets | $121,179,600 | 4,461 |
| Average earning assets | $100,878,600 | 4,701 |
| Average equity | $13,848,400 | 4,176 |
| Average total loans | $63,210,200 | 4,945 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1695% | 657 |
| Cost of funding earning assets | 2.1615% | 431 |
| Net interest margin | 4.0080% | 3,067 |
| Noninterest income to average assets | 0.7767% | 2,345 |
| Noninterest expense to average assets | 2.6079% | 5,295 |
| Loan and lease loss provision to assets | 0.6317% | 2,412 |
| Net operating income to assets | 0.9206% | 2,536 |
| Return on assets (ROA) | 0.9206% | 2,671 |
| Pretax return on assets | 0.9206% | 3,491 |
| Return on Equity (ROE) | 8.0021% | 2,899 |
| Retained earnings to average equity (ytd only) | 4.9941% | 2,994 |
| Net charge-offs to loans | 1.3818% | 1,473 |
| Credit loss provision to net charge-offs | 86.8580% | 4,890 |
| Earnings coverage of net charge-offs (x) | 2.1344% | 4,121 |
| Efficiency ratio | 62.6881% | 5,486 |
| Assets per employee ($millions) | 4.1938% | 3,455 |
| Cash dividends to net income (ytd only)* | 37.5894% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 4,642 |
| Loan loss allowance to noncurrent loans | 23.1564% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 4.1959% | 1,636 |
| Noncurrent loans to loans | 5.8988% | 1,080 |
| Net loans and leases to total assets | 49.2201% | 6,405 |
| Net loans and leases to deposits | 63.9889% | 5,916 |
| Net loans and leases to core deposits | 76.4928% | 4,996 |
| Total domestic deposits to total assets | 76.9197% | 6,496 |
| Equity capital to assets | 11.9554% | 2,183 |
| Core capital (leverage) ratio | 11.0748% | 2,207 |
| Tier 1 risk-based capital ratio | 20.2121% | 1,509 |
| Total risk-based capital ratio | 21.4502% | 1,478 |
| Memoranda: | ||
| Average total assets | $121,370,000 | 4,518 |
| Average earning assets | $102,458,750 | 4,709 |
| Average equity | $13,962,750 | 4,208 |
| Average total loans | $63,875,250 | 4,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1153% | 735 |
| Cost of funding earning assets | 2.1501% | 548 |
| Net interest margin | 3.9652% | 3,184 |
| Noninterest income to average assets | 0.7833% | 2,218 |
| Noninterest expense to average assets | 2.5262% | 5,624 |
| Loan and lease loss provision to assets | 0.8245% | 1,758 |
| Net operating income to assets | 0.8476% | 2,742 |
| Return on assets (ROA) | 0.8476% | 2,894 |
| Pretax return on assets | 0.8476% | 3,716 |
| Return on Equity (ROE) | 7.4653% | 3,125 |
| Retained earnings to average equity (ytd only) | 4.4008% | 3,275 |
| Net charge-offs to loans | 1.7309% | 1,080 |
| Credit loss provision to net charge-offs | 88.9680% | 4,453 |
| Earnings coverage of net charge-offs (x) | 1.8043% | 4,167 |
| Efficiency ratio | 60.1728% | 6,019 |
| Assets per employee ($millions) | 4.1973% | 3,389 |
| Cash dividends to net income (ytd only)* | 41.0506% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3554% | 4,653 |
| Loan loss allowance to noncurrent loans | 25.2066% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 3.9943% | 1,734 |
| Noncurrent loans to loans | 5.3772% | 1,237 |
| Net loans and leases to total assets | 51.0610% | 6,297 |
| Net loans and leases to deposits | 65.9238% | 5,813 |
| Net loans and leases to core deposits | 77.8041% | 4,985 |
| Total domestic deposits to total assets | 77.4545% | 6,404 |
| Equity capital to assets | 11.5204% | 2,430 |
| Core capital (leverage) ratio | 10.9795% | 2,260 |
| Tier 1 risk-based capital ratio | 19.0673% | 1,706 |
| Total risk-based capital ratio | 20.2905% | 1,671 |
| Memoranda: | ||
| Average total assets | $121,287,000 | 4,540 |
| Average earning assets | $104,459,000 | 4,682 |
| Average equity | $13,770,330 | 4,254 |
| Average total loans | $64,937,000 | 4,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 892 |
| Cost of funding earning assets | 2.1771% | 636 |
| Net interest margin | 3.8704% | 3,455 |
| Noninterest income to average assets | 0.6806% | 2,733 |
| Noninterest expense to average assets | 2.7290% | 4,768 |
| Loan and lease loss provision to assets | 0.2478% | 4,066 |
| Net operating income to assets | 1.0870% | 1,875 |
| Return on assets (ROA) | 1.0870% | 1,956 |
| Pretax return on assets | 1.0870% | 2,780 |
| Return on Equity (ROE) | 9.6453% | 2,229 |
| Retained earnings to average equity (ytd only) | 6.4790% | 2,369 |
| Net charge-offs to loans | -0.3278% | 7,755 |
| Credit loss provision to net charge-offs | -138.8889% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1545% | 4,886 |
| Assets per employee ($millions) | 4.1477% | 3,568 |
| Cash dividends to net income (ytd only)* | 32.8267% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6044% | 3,422 |
| Loan loss allowance to noncurrent loans | 21.2355% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 4.2151% | 1,617 |
| Noncurrent loans to loans | 7.5553% | 749 |
| Net loans and leases to total assets | 53.2810% | 6,120 |
| Net loans and leases to deposits | 68.7972% | 5,497 |
| Net loans and leases to core deposits | 81.2464% | 4,588 |
| Total domestic deposits to total assets | 77.4465% | 6,460 |
| Equity capital to assets | 11.4613% | 2,391 |
| Core capital (leverage) ratio | 10.8493% | 2,335 |
| Tier 1 risk-based capital ratio | 18.7091% | 1,793 |
| Total risk-based capital ratio | 19.9618% | 1,755 |
| Memoranda: | ||
| Average total assets | $121,069,000 | 4,601 |
| Average earning assets | $105,829,500 | 4,711 |
| Average equity | $13,644,000 | 4,320 |
| Average total loans | $65,902,000 | 5,000 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3953% | 838 |
| Cost of funding earning assets | 2.3898% | 1,337 |
| Net interest margin | 4.0055% | 2,838 |
| Noninterest income to average assets | 0.2551% | 6,279 |
| Noninterest expense to average assets | 2.4727% | 6,230 |
| Loan and lease loss provision to assets | 1.1260% | 2,025 |
| Net operating income to assets | 0.2299% | 4,804 |
| Return on assets (ROA) | -0.1519% | 5,767 |
| Pretax return on assets | -0.1519% | 5,647 |
| Return on Equity (ROE) | -1.3639% | 5,750 |
| Retained earnings to average equity (ytd only) | -3.9635% | 5,856 |
| Net charge-offs to loans | 2.1139% | 1,154 |
| Credit loss provision to net charge-offs | 94.4405% | 5,833 |
| Earnings coverage of net charge-offs (x) | 1.1372% | 4,982 |
| Efficiency ratio | 64.5847% | 5,662 |
| Assets per employee ($millions) | 4.2019% | 3,436 |
| Cash dividends to net income (ytd only)* | -190.6077% | 7,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,374 |
| Loan loss allowance to noncurrent loans | 26.6978% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 3.1398% | 2,199 |
| Noncurrent loans to loans | 5.1462% | 1,294 |
| Net loans and leases to total assets | 53.9617% | 6,206 |
| Net loans and leases to deposits | 69.1859% | 5,700 |
| Net loans and leases to core deposits | 109.7197% | 2,925 |
| Total domestic deposits to total assets | 77.9952% | 6,218 |
| Equity capital to assets | 11.0804% | 2,645 |
| Core capital (leverage) ratio | 10.8848% | 2,287 |
| Tier 1 risk-based capital ratio | 18.1196% | 1,856 |
| Total risk-based capital ratio | 19.3704% | 1,816 |
| Memoranda: | ||
| Average total assets | $119,183,600 | 4,600 |
| Average earning assets | $106,327,600 | 4,672 |
| Average equity | $13,271,000 | 4,442 |
| Average total loans | $67,223,000 | 4,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4584% | 825 |
| Cost of funding earning assets | 2.4357% | 1,505 |
| Net interest margin | 4.0227% | 2,714 |
| Noninterest income to average assets | 0.1170% | 7,305 |
| Noninterest expense to average assets | 2.4649% | 6,197 |
| Loan and lease loss provision to assets | 1.0226% | 1,875 |
| Net operating income to assets | 0.2284% | 5,061 |
| Return on assets (ROA) | -0.2835% | 6,189 |
| Pretax return on assets | -0.2835% | 6,084 |
| Return on Equity (ROE) | -2.5428% | 6,170 |
| Retained earnings to average equity (ytd only) | -4.4500% | 6,180 |
| Net charge-offs to loans | 1.2885% | 1,596 |
| Credit loss provision to net charge-offs | 139.6313% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.7081% | 4,514 |
| Efficiency ratio | 66.3336% | 5,310 |
| Assets per employee ($millions) | 4.0945% | 3,571 |
| Cash dividends to net income (ytd only)* | -74.9993% | 7,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,106 |
| Loan loss allowance to noncurrent loans | 62.2145% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.0852% | 3,228 |
| Noncurrent loans to loans | 3.0027% | 2,514 |
| Net loans and leases to total assets | 55.4307% | 6,209 |
| Net loans and leases to deposits | 71.9027% | 5,669 |
| Net loans and leases to core deposits | 117.3809% | 2,478 |
| Total domestic deposits to total assets | 77.0913% | 6,316 |
| Equity capital to assets | 11.6969% | 2,436 |
| Core capital (leverage) ratio | 11.0671% | 2,359 |
| Tier 1 risk-based capital ratio | 18.9332% | 1,760 |
| Total risk-based capital ratio | 20.1883% | 1,722 |
| Memoranda: | ||
| Average total assets | $118,515,750 | 4,637 |
| Average earning assets | $106,029,500 | 4,709 |
| Average equity | $13,213,250 | 4,482 |
| Average total loans | $67,361,000 | 5,008 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5271% | 777 |
| Cost of funding earning assets | 2.4852% | 1,669 |
| Net interest margin | 4.0418% | 2,535 |
| Noninterest income to average assets | -0.1857% | 8,066 |
| Noninterest expense to average assets | 2.4265% | 6,383 |
| Loan and lease loss provision to assets | 1.3931% | 1,242 |
| Net operating income to assets | -0.3968% | 6,446 |
| Return on assets (ROA) | -1.1651% | 7,100 |
| Pretax return on assets | -1.1651% | 6,915 |
| Return on Equity (ROE) | -10.6252% | 7,083 |
| Retained earnings to average equity (ytd only) | -13.5356% | 7,156 |
| Net charge-offs to loans | 1.8590% | 1,012 |
| Credit loss provision to net charge-offs | 131.5789% | 3,543 |
| Earnings coverage of net charge-offs (x) | 0.9410% | 4,825 |
| Efficiency ratio | 70.8929% | 4,607 |
| Assets per employee ($millions) | 4.1023% | 3,489 |
| Cash dividends to net income (ytd only)* | -27.3913% | 7,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7738% | 2,122 |
| Loan loss allowance to noncurrent loans | 47.0426% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 2.5200% | 2,556 |
| Noncurrent loans to loans | 3.7706% | 1,820 |
| Net loans and leases to total assets | 55.5314% | 6,270 |
| Net loans and leases to deposits | 70.7414% | 5,905 |
| Net loans and leases to core deposits | 113.7818% | 2,935 |
| Total domestic deposits to total assets | 78.4991% | 5,954 |
| Equity capital to assets | 10.3171% | 3,602 |
| Core capital (leverage) ratio | 10.6144% | 2,722 |
| Tier 1 risk-based capital ratio | 18.9148% | 1,796 |
| Total risk-based capital ratio | 20.1716% | 1,752 |
| Memoranda: | ||
| Average total assets | $118,440,670 | 4,676 |
| Average earning assets | $105,744,000 | 4,731 |
| Average equity | $12,988,000 | 4,543 |
| Average total loans | $67,457,330 | 5,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4733% | 916 |
| Cost of funding earning assets | 2.4957% | 1,933 |
| Net interest margin | 3.9776% | 2,740 |
| Noninterest income to average assets | 0.6769% | 3,020 |
| Noninterest expense to average assets | 2.3829% | 6,255 |
| Loan and lease loss provision to assets | 1.6754% | 739 |
| Net operating income to assets | 0.2437% | 5,510 |
| Return on assets (ROA) | 0.2843% | 5,525 |
| Pretax return on assets | 0.2843% | 5,718 |
| Return on Equity (ROE) | 2.5178% | 5,566 |
| Retained earnings to average equity (ytd only) | 2.3979% | 4,545 |
| Net charge-offs to loans | 3.4045% | 361 |
| Credit loss provision to net charge-offs | 86.0870% | 4,083 |
| Earnings coverage of net charge-offs (x) | 0.9861% | 4,278 |
| Efficiency ratio | 55.3895% | 7,053 |
| Assets per employee ($millions) | 4.1255% | 3,409 |
| Cash dividends to net income (ytd only)* | 4.7619% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 3,712 |
| Loan loss allowance to noncurrent loans | 40.6847% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 2.2660% | 2,531 |
| Noncurrent loans to loans | 3.3530% | 1,913 |
| Net loans and leases to total assets | 55.2997% | 6,329 |
| Net loans and leases to deposits | 71.2179% | 5,839 |
| Net loans and leases to core deposits | 113.0438% | 3,098 |
| Total domestic deposits to total assets | 77.6486% | 6,117 |
| Equity capital to assets | 11.2246% | 2,790 |
| Core capital (leverage) ratio | 11.4570% | 2,176 |
| Tier 1 risk-based capital ratio | 19.4326% | 1,732 |
| Total risk-based capital ratio | 20.6827% | 1,680 |
| Memoranda: | ||
| Average total assets | $118,177,500 | 4,700 |
| Average earning assets | $107,703,500 | 4,698 |
| Average equity | $13,345,000 | 4,492 |
| Average total loans | $67,557,500 | 5,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6663% | 2,173 |
| Cost of funding earning assets | 2.7100% | 3,116 |
| Net interest margin | 3.9563% | 3,331 |
| Noninterest income to average assets | 0.8457% | 2,256 |
| Noninterest expense to average assets | 2.5033% | 5,990 |
| Loan and lease loss provision to assets | 0.2836% | 4,116 |
| Net operating income to assets | 1.8055% | 550 |
| Return on assets (ROA) | 1.8150% | 516 |
| Pretax return on assets | 1.8150% | 913 |
| Return on Equity (ROE) | 15.7812% | 802 |
| Retained earnings to average equity (ytd only) | 4.6013% | 2,263 |
| Net charge-offs to loans | 0.1820% | 4,372 |
| Credit loss provision to net charge-offs | 262.4000% | 1,767 |
| Earnings coverage of net charge-offs (x) | 19.3280% | 1,637 |
| Efficiency ratio | 54.5095% | 7,212 |
| Assets per employee ($millions) | 4.0247% | 3,458 |
| Cash dividends to net income (ytd only)* | 70.8433% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,868 |
| Loan loss allowance to noncurrent loans | 37.8615% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 2.3793% | 2,042 |
| Noncurrent loans to loans | 3.8624% | 1,283 |
| Net loans and leases to total assets | 57.4429% | 6,282 |
| Net loans and leases to deposits | 74.3911% | 5,796 |
| Net loans and leases to core deposits | 117.6662% | 2,927 |
| Total domestic deposits to total assets | 77.2173% | 5,937 |
| Equity capital to assets | 11.3618% | 2,740 |
| Core capital (leverage) ratio | 11.8767% | 2,037 |
| Tier 1 risk-based capital ratio | 19.4201% | 1,726 |
| Total risk-based capital ratio | 20.6726% | 1,682 |
| Memoranda: | ||
| Average total assets | $115,648,600 | 4,616 |
| Average earning assets | $109,521,200 | 4,523 |
| Average equity | $13,300,600 | 4,497 |
| Average total loans | $68,687,200 | 4,920 |