Home > Farmers State Bank of Alto Pass, Ill. > Performance and Condition Ratios
Farmers State Bank of Alto Pass, Ill., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8767% | 251 |
| Cost of funding earning assets | 1.1023% | 3,066 |
| Net interest margin | 5.7744% | 139 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 4.5047% | 283 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.5106% | 1,001 |
| Return on assets (ROA) | 1.5106% | 971 |
| Pretax return on assets | 1.5694% | 1,294 |
| Return on Equity (ROE) | 17.6400% | 870 |
| Retained earnings to average equity (ytd only) | 4.7573% | 2,690 |
| Net charge-offs to loans | 0.0245% | 1,824 |
| Credit loss provision to net charge-offs | 146.2687% | 1,493 |
| Earnings coverage of net charge-offs (x) | 79.4328% | 1,024 |
| Efficiency ratio | 73.8194% | 1,480 |
| Assets per employee ($millions) | 5.0142% | 3,624 |
| Cash dividends to net income (ytd only)* | 73.0326% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,566 |
| Loan loss allowance to noncurrent loans | 134.2302% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.6119% | 894 |
| Noncurrent loans to loans | 0.6998% | 1,118 |
| Net loans and leases to total assets | 82.1200% | 422 |
| Net loans and leases to deposits | 89.9786% | 1,267 |
| Net loans and leases to core deposits | 96.6775% | 1,621 |
| Total domestic deposits to total assets | 91.2600% | 437 |
| Equity capital to assets | 8.4695% | 3,077 |
| Core capital (leverage) ratio | 8.4870% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4944% | 2,720 |
| Memoranda: | ||
| Average total assets | $333,122,000 | 2,257 |
| Average earning assets | $305,261,800 | 2,274 |
| Average equity | $28,524,400 | 2,343 |
| Average total loans | $273,738,400 | 1,902 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7439% | 243 |
| Cost of funding earning assets | 0.9614% | 3,130 |
| Net interest margin | 5.7825% | 126 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 4.5442% | 271 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.8118% | 654 |
| Return on assets (ROA) | 1.8118% | 646 |
| Pretax return on assets | 1.8118% | 997 |
| Return on Equity (ROE) | 21.1000% | 628 |
| Retained earnings to average equity (ytd only) | 9.4504% | 1,562 |
| Net charge-offs to loans | -0.0089% | 3,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.8596% | 1,694 |
| Assets per employee ($millions) | 5.1658% | 3,460 |
| Cash dividends to net income (ytd only)* | 55.2086% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,458 |
| Loan loss allowance to noncurrent loans | 114.4317% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.0450% | 481 |
| Noncurrent loans to loans | 0.8582% | 966 |
| Net loans and leases to total assets | 81.5400% | 475 |
| Net loans and leases to deposits | 92.7808% | 987 |
| Net loans and leases to core deposits | 95.9496% | 1,551 |
| Total domestic deposits to total assets | 87.8900% | 1,613 |
| Equity capital to assets | 8.5667% | 2,684 |
| Core capital (leverage) ratio | 8.8838% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8999% | 2,637 |
| Memoranda: | ||
| Average total assets | $329,907,250 | 2,267 |
| Average earning assets | $302,469,750 | 2,291 |
| Average equity | $28,329,750 | 2,334 |
| Average total loans | $270,471,750 | 1,916 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5950% | 237 |
| Cost of funding earning assets | 0.8020% | 3,198 |
| Net interest margin | 5.7930% | 126 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 4.5866% | 262 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 1.8602% | 600 |
| Return on assets (ROA) | 1.8602% | 594 |
| Pretax return on assets | 1.8602% | 918 |
| Return on Equity (ROE) | 21.1800% | 608 |
| Retained earnings to average equity (ytd only) | 9.2748% | 1,612 |
| Net charge-offs to loans | 0.0068% | 1,986 |
| Credit loss provision to net charge-offs | 3,322.2222% | 159 |
| Earnings coverage of net charge-offs (x) | 388.7778% | 370 |
| Efficiency ratio | 68.0602% | 1,981 |
| Assets per employee ($millions) | 4.8763% | 3,692 |
| Cash dividends to net income (ytd only)* | 56.2169% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 4,143 |
| Loan loss allowance to noncurrent loans | 105.4082% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 539 |
| Noncurrent loans to loans | 0.6876% | 1,089 |
| Net loans and leases to total assets | 81.3400% | 487 |
| Net loans and leases to deposits | 92.5447% | 981 |
| Net loans and leases to core deposits | 95.6045% | 1,485 |
| Total domestic deposits to total assets | 87.8900% | 1,647 |
| Equity capital to assets | 8.8243% | 2,643 |
| Core capital (leverage) ratio | 9.3235% | 3,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7937% | 2,681 |
| Memoranda: | ||
| Average total assets | $325,124,000 | 2,303 |
| Average earning assets | $298,739,667 | 2,324 |
| Average equity | $28,550,333 | 2,332 |
| Average total loans | $265,620,333 | 1,927 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4888% | 183 |
| Cost of funding earning assets | 0.6453% | 3,240 |
| Net interest margin | 5.8435% | 109 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 4.8174% | 242 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 2.0870% | 438 |
| Return on assets (ROA) | 2.0870% | 432 |
| Pretax return on assets | 2.0870% | 672 |
| Return on Equity (ROE) | 23.8300% | 461 |
| Retained earnings to average equity (ytd only) | 8.7016% | 2,027 |
| Net charge-offs to loans | 0.0186% | 1,309 |
| Credit loss provision to net charge-offs | 2,150.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 592 |
| Efficiency ratio | 66.6318% | 2,136 |
| Assets per employee ($millions) | 4.7677% | 3,822 |
| Cash dividends to net income (ytd only)* | 63.4825% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7650% | 4,151 |
| Loan loss allowance to noncurrent loans | 103.0130% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9550% | 445 |
| Noncurrent loans to loans | 0.7426% | 1,030 |
| Net loans and leases to total assets | 79.3400% | 608 |
| Net loans and leases to deposits | 87.4766% | 1,253 |
| Net loans and leases to core deposits | 89.6506% | 1,636 |
| Total domestic deposits to total assets | 90.7000% | 911 |
| Equity capital to assets | 9.0717% | 2,458 |
| Core capital (leverage) ratio | 9.5173% | 3,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3145% | 2,626 |
| Memoranda: | ||
| Average total assets | $317,015,500 | 2,377 |
| Average earning assets | $291,947,500 | 2,392 |
| Average equity | $27,765,000 | 2,401 |
| Average total loans | $258,593,000 | 1,981 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 574 |
| Cost of funding earning assets | 0.4060% | 2,046 |
| Net interest margin | 4.2304% | 498 |
| Noninterest income to average assets | 1.6500% | 310 |
| Noninterest expense to average assets | 4.2332% | 286 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1728% | 1,882 |
| Return on assets (ROA) | 1.1728% | 1,820 |
| Pretax return on assets | 1.2221% | 2,365 |
| Return on Equity (ROE) | 14.5400% | 1,389 |
| Retained earnings to average equity (ytd only) | 3.6788% | 3,504 |
| Net charge-offs to loans | 0.1853% | 443 |
| Credit loss provision to net charge-offs | 101.0101% | 1,549 |
| Earnings coverage of net charge-offs (x) | 10.9621% | 2,169 |
| Efficiency ratio | 75.8726% | 1,024 |
| Assets per employee ($millions) | 4.6943% | 3,899 |
| Cash dividends to net income (ytd only)* | 74.6959% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 3,946 |
| Loan loss allowance to noncurrent loans | 70.2922% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9941% | 438 |
| Noncurrent loans to loans | 1.1940% | 590 |
| Net loans and leases to total assets | 82.5600% | 366 |
| Net loans and leases to deposits | 90.3472% | 1,034 |
| Net loans and leases to core deposits | 92.1938% | 1,377 |
| Total domestic deposits to total assets | 91.3800% | 816 |
| Equity capital to assets | 8.4302% | 2,758 |
| Core capital (leverage) ratio | 8.7155% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7345% | 3,004 |
| Memoranda: | ||
| Average total assets | $322,471,000 | 2,337 |
| Average earning assets | $299,237,400 | 2,340 |
| Average equity | $26,014,200 | 2,530 |
| Average total loans | $213,695,800 | 2,143 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 787 |
| Cost of funding earning assets | 0.4212% | 1,151 |
| Net interest margin | 3.8460% | 883 |
| Noninterest income to average assets | 1.9200% | 280 |
| Noninterest expense to average assets | 4.0945% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2922% | 1,374 |
| Return on assets (ROA) | 1.2922% | 1,343 |
| Pretax return on assets | 1.3975% | 1,728 |
| Return on Equity (ROE) | 16.1900% | 943 |
| Retained earnings to average equity (ytd only) | 5.6743% | 2,866 |
| Net charge-offs to loans | 0.0039% | 2,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 568.8333% | 280 |
| Efficiency ratio | 74.5545% | 1,226 |
| Assets per employee ($millions) | 4.9673% | 3,700 |
| Cash dividends to net income (ytd only)* | 64.9556% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 3,274 |
| Loan loss allowance to noncurrent loans | 122.3737% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5539% | 964 |
| Noncurrent loans to loans | 0.8545% | 922 |
| Net loans and leases to total assets | 64.1500% | 2,068 |
| Net loans and leases to deposits | 70.1297% | 2,351 |
| Net loans and leases to core deposits | 71.5256% | 2,526 |
| Total domestic deposits to total assets | 91.4700% | 1,058 |
| Equity capital to assets | 8.2317% | 2,728 |
| Core capital (leverage) ratio | 8.2131% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6938% | 2,577 |
| Memoranda: | ||
| Average total assets | $325,632,250 | 2,340 |
| Average earning assets | $302,612,500 | 2,342 |
| Average equity | $25,988,000 | 2,577 |
| Average total loans | $202,628,500 | 2,211 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 1,096 |
| Cost of funding earning assets | 0.4227% | 791 |
| Net interest margin | 3.4889% | 1,345 |
| Noninterest income to average assets | 1.7483% | 273 |
| Noninterest expense to average assets | 3.8171% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0664% | 1,913 |
| Return on assets (ROA) | 1.0664% | 1,886 |
| Pretax return on assets | 1.1706% | 2,167 |
| Return on Equity (ROE) | 13.4991% | 1,245 |
| Retained earnings to average equity (ytd only) | 3.0855% | 3,417 |
| Net charge-offs to loans | -0.0069% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5302% | 1,218 |
| Assets per employee ($millions) | 5.1475% | 3,550 |
| Cash dividends to net income (ytd only)* | 77.1429% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,499 |
| Loan loss allowance to noncurrent loans | 233.3692% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 1,639 |
| Noncurrent loans to loans | 0.4383% | 1,807 |
| Net loans and leases to total assets | 63.6790% | 1,946 |
| Net loans and leases to deposits | 69.6536% | 2,248 |
| Net loans and leases to core deposits | 71.0472% | 2,413 |
| Total domestic deposits to total assets | 91.4224% | 1,051 |
| Equity capital to assets | 7.7823% | 3,284 |
| Core capital (leverage) ratio | 7.9914% | 4,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1242% | 2,779 |
| Memoranda: | ||
| Average total assets | $328,207,667 | 2,335 |
| Average earning assets | $304,735,667 | 2,352 |
| Average equity | $25,927,667 | 2,635 |
| Average total loans | $201,477,000 | 2,225 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 1,143 |
| Cost of funding earning assets | 0.4244% | 758 |
| Net interest margin | 3.3450% | 1,456 |
| Noninterest income to average assets | 2.4347% | 190 |
| Noninterest expense to average assets | 3.8182% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7253% | 382 |
| Return on assets (ROA) | 1.7253% | 388 |
| Pretax return on assets | 1.7253% | 647 |
| Return on Equity (ROE) | 21.6780% | 174 |
| Retained earnings to average equity (ytd only) | 11.7058% | 647 |
| Net charge-offs to loans | 0.0224% | 1,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 128.4545% | 589 |
| Efficiency ratio | 68.8767% | 2,385 |
| Assets per employee ($millions) | 5.2120% | 3,575 |
| Cash dividends to net income (ytd only)* | 46.0014% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 3,166 |
| Loan loss allowance to noncurrent loans | 168.6275% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 1,423 |
| Noncurrent loans to loans | 0.6742% | 1,410 |
| Net loans and leases to total assets | 56.9398% | 2,426 |
| Net loans and leases to deposits | 62.0632% | 2,712 |
| Net loans and leases to core deposits | 63.5727% | 2,827 |
| Total domestic deposits to total assets | 91.7449% | 677 |
| Equity capital to assets | 7.9953% | 3,574 |
| Core capital (leverage) ratio | 8.1533% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7470% | 2,326 |
| Memoranda: | ||
| Average total assets | $327,591,500 | 2,357 |
| Average earning assets | $304,453,000 | 2,367 |
| Average equity | $26,072,500 | 2,714 |
| Average total loans | $196,239,500 | 2,254 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 326 |
| Cost of funding earning assets | 0.5018% | 924 |
| Net interest margin | 4.3592% | 361 |
| Noninterest income to average assets | 2.2739% | 257 |
| Noninterest expense to average assets | 4.0162% | 283 |
| Loan and lease loss provision to assets | 0.2016% | 532 |
| Net operating income to assets | 2.0639% | 303 |
| Return on assets (ROA) | 2.0639% | 315 |
| Pretax return on assets | 2.1734% | 436 |
| Return on Equity (ROE) | 26.9362% | 96 |
| Retained earnings to average equity (ytd only) | 9.3269% | 1,091 |
| Net charge-offs to loans | 0.2423% | 385 |
| Credit loss provision to net charge-offs | 114.6384% | 1,681 |
| Earnings coverage of net charge-offs (x) | 13.5044% | 2,074 |
| Efficiency ratio | 62.8391% | 2,744 |
| Assets per employee ($millions) | 5.3579% | 3,408 |
| Cash dividends to net income (ytd only)* | 65.3742% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0626% | 3,510 |
| Loan loss allowance to noncurrent loans | 208.9942% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 1,673 |
| Noncurrent loans to loans | 0.5084% | 1,850 |
| Net loans and leases to total assets | 61.5625% | 1,989 |
| Net loans and leases to deposits | 67.1107% | 2,392 |
| Net loans and leases to core deposits | 68.7085% | 2,581 |
| Total domestic deposits to total assets | 91.7327% | 257 |
| Equity capital to assets | 7.9222% | 4,403 |
| Core capital (leverage) ratio | 8.4442% | 3,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3411% | 2,514 |
| Memoranda: | ||
| Average total assets | $322,394,600 | 2,331 |
| Average earning assets | $304,502,200 | 2,309 |
| Average equity | $24,702,800 | 2,870 |
| Average total loans | $234,026,000 | 2,025 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 2,026 |
| Cost of funding earning assets | 0.5207% | 949 |
| Net interest margin | 3.2732% | 2,500 |
| Noninterest income to average assets | 3.5511% | 168 |
| Noninterest expense to average assets | 3.8756% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.7779% | 154 |
| Return on assets (ROA) | 2.7779% | 158 |
| Pretax return on assets | 2.7796% | 235 |
| Return on Equity (ROE) | 36.5701% | 51 |
| Retained earnings to average equity (ytd only) | 12.8055% | 670 |
| Net charge-offs to loans | -0.0436% | 4,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2341% | 3,230 |
| Assets per employee ($millions) | 4.8063% | 3,885 |
| Cash dividends to net income (ytd only)* | 64.9836% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 3,909 |
| Loan loss allowance to noncurrent loans | 201.2127% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 1,658 |
| Noncurrent loans to loans | 0.4877% | 2,089 |
| Net loans and leases to total assets | 74.2347% | 673 |
| Net loans and leases to deposits | 82.0912% | 1,113 |
| Net loans and leases to core deposits | 84.2165% | 1,413 |
| Total domestic deposits to total assets | 90.4296% | 590 |
| Equity capital to assets | 8.8419% | 3,966 |
| Core capital (leverage) ratio | 8.7491% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0180% | 2,354 |
| Memoranda: | ||
| Average total assets | $321,286,000 | 2,363 |
| Average earning assets | $304,684,750 | 2,335 |
| Average equity | $24,405,500 | 2,917 |
| Average total loans | $241,691,250 | 2,017 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 2,327 |
| Cost of funding earning assets | 0.5185% | 1,101 |
| Net interest margin | 3.1833% | 2,803 |
| Noninterest income to average assets | 2.3880% | 265 |
| Noninterest expense to average assets | 3.5124% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.9083% | 579 |
| Return on assets (ROA) | 1.9083% | 608 |
| Pretax return on assets | 1.9023% | 1,018 |
| Return on Equity (ROE) | 26.4020% | 160 |
| Retained earnings to average equity (ytd only) | 2.5523% | 3,984 |
| Net charge-offs to loans | -0.0659% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8682% | 2,316 |
| Assets per employee ($millions) | 5.4415% | 3,193 |
| Cash dividends to net income (ytd only)* | 90.3328% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 4,223 |
| Loan loss allowance to noncurrent loans | 170.3470% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 1,936 |
| Noncurrent loans to loans | 0.5128% | 2,138 |
| Net loans and leases to total assets | 76.3517% | 559 |
| Net loans and leases to deposits | 92.7355% | 506 |
| Net loans and leases to core deposits | 95.3119% | 838 |
| Total domestic deposits to total assets | 82.3328% | 3,853 |
| Equity capital to assets | 7.4369% | 4,753 |
| Core capital (leverage) ratio | 8.0860% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7418% | 2,792 |
| Memoranda: | ||
| Average total assets | $330,653,000 | 2,303 |
| Average earning assets | $314,393,000 | 2,266 |
| Average equity | $23,899,667 | 2,944 |
| Average total loans | $248,987,667 | 1,967 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,604 |
| Cost of funding earning assets | 0.5144% | 1,306 |
| Net interest margin | 3.0966% | 2,998 |
| Noninterest income to average assets | 2.4707% | 271 |
| Noninterest expense to average assets | 3.3220% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.1213% | 470 |
| Return on assets (ROA) | 2.1213% | 512 |
| Pretax return on assets | 2.0915% | 816 |
| Return on Equity (ROE) | 29.7597% | 145 |
| Retained earnings to average equity (ytd only) | 12.1950% | 1,102 |
| Net charge-offs to loans | -0.1169% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3656% | 2,853 |
| Assets per employee ($millions) | 6.0929% | 2,500 |
| Cash dividends to net income (ytd only)* | 59.0219% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,337 |
| Loan loss allowance to noncurrent loans | 149.4788% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 2,087 |
| Noncurrent loans to loans | 0.5585% | 2,183 |
| Net loans and leases to total assets | 73.5746% | 852 |
| Net loans and leases to deposits | 94.8566% | 450 |
| Net loans and leases to core deposits | 97.2898% | 829 |
| Total domestic deposits to total assets | 77.5640% | 4,471 |
| Equity capital to assets | 6.9727% | 4,853 |
| Core capital (leverage) ratio | 8.5016% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6567% | 2,778 |
| Memoranda: | ||
| Average total assets | $335,456,000 | 2,256 |
| Average earning assets | $318,800,500 | 2,225 |
| Average equity | $23,911,500 | 2,937 |
| Average total loans | $249,839,000 | 1,965 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4796% | 1,366 |
| Cost of funding earning assets | 0.5813% | 2,439 |
| Net interest margin | 3.8983% | 1,214 |
| Noninterest income to average assets | 2.2270% | 292 |
| Noninterest expense to average assets | 3.9629% | 394 |
| Loan and lease loss provision to assets | 0.5403% | 418 |
| Net operating income to assets | 1.3366% | 1,158 |
| Return on assets (ROA) | 1.3366% | 1,252 |
| Pretax return on assets | 1.3679% | 1,762 |
| Return on Equity (ROE) | 17.4913% | 371 |
| Retained earnings to average equity (ytd only) | 7.7232% | 1,139 |
| Net charge-offs to loans | 0.3877% | 446 |
| Credit loss provision to net charge-offs | 176.2230% | 2,286 |
| Earnings coverage of net charge-offs (x) | 6.2241% | 2,799 |
| Efficiency ratio | 67.4984% | 2,299 |
| Assets per employee ($millions) | 5.5796% | 2,763 |
| Cash dividends to net income (ytd only)* | 55.8455% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 4,303 |
| Loan loss allowance to noncurrent loans | 114.6167% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 1,753 |
| Noncurrent loans to loans | 0.7492% | 1,831 |
| Net loans and leases to total assets | 74.1395% | 1,007 |
| Net loans and leases to deposits | 94.7123% | 620 |
| Net loans and leases to core deposits | 97.6325% | 1,026 |
| Total domestic deposits to total assets | 78.2786% | 4,287 |
| Equity capital to assets | 7.2947% | 4,875 |
| Core capital (leverage) ratio | 8.6253% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4766% | 2,807 |
| Memoranda: | ||
| Average total assets | $286,708,000 | 2,360 |
| Average earning assets | $268,015,400 | 2,350 |
| Average equity | $21,908,000 | 3,018 |
| Average total loans | $226,695,800 | 2,057 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,228 |
| Cost of funding earning assets | 0.6193% | 2,489 |
| Net interest margin | 4.0098% | 1,093 |
| Noninterest income to average assets | 1.6020% | 461 |
| Noninterest expense to average assets | 3.8714% | 423 |
| Loan and lease loss provision to assets | 0.1798% | 2,187 |
| Net operating income to assets | 1.2839% | 1,390 |
| Return on assets (ROA) | 1.2839% | 1,497 |
| Pretax return on assets | 1.2998% | 2,047 |
| Return on Equity (ROE) | 16.5830% | 484 |
| Retained earnings to average equity (ytd only) | 5.1636% | 2,493 |
| Net charge-offs to loans | 0.0461% | 1,958 |
| Credit loss provision to net charge-offs | 485.7143% | 1,307 |
| Earnings coverage of net charge-offs (x) | 39.9870% | 1,362 |
| Efficiency ratio | 72.3509% | 1,603 |
| Assets per employee ($millions) | 5.6797% | 2,554 |
| Cash dividends to net income (ytd only)* | 68.8623% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 4,638 |
| Loan loss allowance to noncurrent loans | 57.9144% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,200 |
| Noncurrent loans to loans | 1.1428% | 1,327 |
| Net loans and leases to total assets | 80.4604% | 567 |
| Net loans and leases to deposits | 107.3114% | 284 |
| Net loans and leases to core deposits | 110.7033% | 672 |
| Total domestic deposits to total assets | 74.9785% | 4,503 |
| Equity capital to assets | 7.1348% | 4,931 |
| Core capital (leverage) ratio | 8.5189% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7079% | 2,987 |
| Memoranda: | ||
| Average total assets | $277,480,750 | 2,394 |
| Average earning assets | $259,425,000 | 2,375 |
| Average equity | $21,483,250 | 3,049 |
| Average total loans | $222,868,250 | 2,083 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,027 |
| Cost of funding earning assets | 0.6758% | 2,522 |
| Net interest margin | 4.1904% | 944 |
| Noninterest income to average assets | 1.4184% | 522 |
| Noninterest expense to average assets | 3.9901% | 408 |
| Loan and lease loss provision to assets | 0.2834% | 1,516 |
| Net operating income to assets | 1.0464% | 2,161 |
| Return on assets (ROA) | 1.0464% | 2,295 |
| Pretax return on assets | 1.0631% | 2,827 |
| Return on Equity (ROE) | 13.1025% | 1,076 |
| Retained earnings to average equity (ytd only) | 5.1328% | 2,409 |
| Net charge-offs to loans | 0.0682% | 1,562 |
| Credit loss provision to net charge-offs | 519.4444% | 1,200 |
| Earnings coverage of net charge-offs (x) | 24.6806% | 1,572 |
| Efficiency ratio | 74.7693% | 1,393 |
| Assets per employee ($millions) | 5.6913% | 2,455 |
| Cash dividends to net income (ytd only)* | 60.8255% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6805% | 4,605 |
| Loan loss allowance to noncurrent loans | 58.1886% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.9479% | 1,284 |
| Noncurrent loans to loans | 1.1695% | 1,341 |
| Net loans and leases to total assets | 79.6856% | 629 |
| Net loans and leases to deposits | 106.7093% | 302 |
| Net loans and leases to core deposits | 110.0939% | 736 |
| Total domestic deposits to total assets | 74.6754% | 4,544 |
| Equity capital to assets | 7.1564% | 4,947 |
| Core capital (leverage) ratio | 8.4767% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8939% | 2,993 |
| Memoranda: | ||
| Average total assets | $263,953,667 | 2,452 |
| Average earning assets | $246,802,000 | 2,442 |
| Average equity | $21,080,000 | 3,075 |
| Average total loans | $211,284,667 | 2,142 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 436 |
| Cost of funding earning assets | 0.7529% | 2,653 |
| Net interest margin | 4.6736% | 355 |
| Noninterest income to average assets | 0.8771% | 1,116 |
| Noninterest expense to average assets | 4.2102% | 413 |
| Loan and lease loss provision to assets | 0.1570% | 1,833 |
| Net operating income to assets | 0.8470% | 2,725 |
| Return on assets (ROA) | 0.8470% | 2,814 |
| Pretax return on assets | 0.8654% | 3,233 |
| Return on Equity (ROE) | 9.9317% | 1,765 |
| Retained earnings to average equity (ytd only) | 2.2919% | 3,334 |
| Net charge-offs to loans | 0.1401% | 898 |
| Credit loss provision to net charge-offs | 140.2985% | 1,622 |
| Earnings coverage of net charge-offs (x) | 9.1343% | 1,834 |
| Efficiency ratio | 80.4598% | 1,095 |
| Assets per employee ($millions) | 4.5280% | 3,219 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 4,542 |
| Loan loss allowance to noncurrent loans | 34.9915% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7843% | 517 |
| Noncurrent loans to loans | 2.1096% | 644 |
| Net loans and leases to total assets | 80.4068% | 651 |
| Net loans and leases to deposits | 88.1187% | 1,744 |
| Net loans and leases to core deposits | 92.0626% | 2,149 |
| Total domestic deposits to total assets | 91.2482% | 84 |
| Equity capital to assets | 8.5330% | 4,816 |
| Core capital (leverage) ratio | 8.5803% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9210% | 3,339 |
| Memoranda: | ||
| Average total assets | $239,420,500 | 2,562 |
| Average earning assets | $223,124,500 | 2,547 |
| Average equity | $20,419,500 | 3,129 |
| Average total loans | $191,356,500 | 2,248 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 545 |
| Cost of funding earning assets | 0.8233% | 2,571 |
| Net interest margin | 4.6958% | 476 |
| Noninterest income to average assets | 1.1746% | 682 |
| Noninterest expense to average assets | 4.2012% | 426 |
| Loan and lease loss provision to assets | 0.4454% | 308 |
| Net operating income to assets | 0.8942% | 3,224 |
| Return on assets (ROA) | 0.8942% | 3,311 |
| Pretax return on assets | 0.8976% | 3,749 |
| Return on Equity (ROE) | 10.4514% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.7963% | 3,639 |
| Net charge-offs to loans | 0.3646% | 547 |
| Credit loss provision to net charge-offs | 151.0791% | 1,689 |
| Earnings coverage of net charge-offs (x) | 4.5554% | 3,201 |
| Efficiency ratio | 75.7766% | 1,398 |
| Assets per employee ($millions) | 4.5934% | 3,092 |
| Cash dividends to net income (ytd only)* | 73.2448% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 4,462 |
| Loan loss allowance to noncurrent loans | 30.1757% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 393 |
| Noncurrent loans to loans | 2.4778% | 441 |
| Net loans and leases to total assets | 78.2504% | 1,041 |
| Net loans and leases to deposits | 85.6785% | 2,137 |
| Net loans and leases to core deposits | 89.8215% | 2,444 |
| Total domestic deposits to total assets | 91.3303% | 80 |
| Equity capital to assets | 8.5244% | 4,903 |
| Core capital (leverage) ratio | 8.5741% | 4,800 |
| Tier 1 risk-based capital ratio | 10.3314% | 5,070 |
| Total risk-based capital ratio | 11.0458% | 5,111 |
| Memoranda: | ||
| Average total assets | $235,742,000 | 2,541 |
| Average earning assets | $219,368,400 | 2,539 |
| Average equity | $20,169,600 | 3,116 |
| Average total loans | $190,629,200 | 2,227 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 566 |
| Cost of funding earning assets | 0.8219% | 2,607 |
| Net interest margin | 4.6974% | 505 |
| Noninterest income to average assets | 1.0169% | 907 |
| Noninterest expense to average assets | 4.1668% | 429 |
| Loan and lease loss provision to assets | 0.0851% | 2,207 |
| Net operating income to assets | 1.1309% | 2,452 |
| Return on assets (ROA) | 1.1309% | 2,539 |
| Pretax return on assets | 1.1400% | 3,168 |
| Return on Equity (ROE) | 13.2060% | 1,201 |
| Retained earnings to average equity (ytd only) | 5.5594% | 2,594 |
| Net charge-offs to loans | 0.1381% | 1,161 |
| Credit loss provision to net charge-offs | 75.7576% | 2,557 |
| Earnings coverage of net charge-offs (x) | 10.9042% | 2,468 |
| Efficiency ratio | 77.2785% | 1,181 |
| Assets per employee ($millions) | 4.2682% | 3,524 |
| Cash dividends to net income (ytd only)* | 57.9027% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 4,965 |
| Loan loss allowance to noncurrent loans | 24.1819% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.4145% | 299 |
| Noncurrent loans to loans | 2.0978% | 632 |
| Net loans and leases to total assets | 83.9631% | 359 |
| Net loans and leases to deposits | 92.3412% | 1,393 |
| Net loans and leases to core deposits | 97.1353% | 1,891 |
| Total domestic deposits to total assets | 90.9271% | 109 |
| Equity capital to assets | 8.7909% | 4,883 |
| Core capital (leverage) ratio | 8.7556% | 4,801 |
| Tier 1 risk-based capital ratio | 10.2060% | 5,153 |
| Total risk-based capital ratio | 10.7030% | 5,220 |
| Memoranda: | ||
| Average total assets | $234,963,750 | 2,569 |
| Average earning assets | $218,837,750 | 2,562 |
| Average equity | $20,121,750 | 3,145 |
| Average total loans | $191,208,250 | 2,246 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 644 |
| Cost of funding earning assets | 0.8247% | 2,525 |
| Net interest margin | 4.6052% | 610 |
| Noninterest income to average assets | 0.9667% | 931 |
| Noninterest expense to average assets | 4.1568% | 438 |
| Loan and lease loss provision to assets | 0.0511% | 2,790 |
| Net operating income to assets | 1.0424% | 2,760 |
| Return on assets (ROA) | 1.0424% | 2,830 |
| Pretax return on assets | 1.0450% | 3,404 |
| Return on Equity (ROE) | 12.2807% | 1,483 |
| Retained earnings to average equity (ytd only) | 4.5714% | 2,990 |
| Net charge-offs to loans | 0.0106% | 2,754 |
| Credit loss provision to net charge-offs | 600.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 128.8000% | 569 |
| Efficiency ratio | 79.1349% | 1,047 |
| Assets per employee ($millions) | 4.5851% | 3,018 |
| Cash dividends to net income (ytd only)* | 62.7755% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5570% | 4,942 |
| Loan loss allowance to noncurrent loans | 49.3298% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5041% | 747 |
| Noncurrent loans to loans | 1.1291% | 1,442 |
| Net loans and leases to total assets | 81.1138% | 715 |
| Net loans and leases to deposits | 88.7257% | 1,902 |
| Net loans and leases to core deposits | 93.9318% | 2,243 |
| Total domestic deposits to total assets | 91.4209% | 63 |
| Equity capital to assets | 8.3339% | 5,105 |
| Core capital (leverage) ratio | 8.4510% | 4,980 |
| Tier 1 risk-based capital ratio | 9.9598% | 5,232 |
| Total risk-based capital ratio | 10.5028% | 5,282 |
| Memoranda: | ||
| Average total assets | $235,034,000 | 2,581 |
| Average earning assets | $218,751,330 | 2,572 |
| Average equity | $19,950,000 | 3,153 |
| Average total loans | $188,907,330 | 2,268 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 807 |
| Cost of funding earning assets | 0.8222% | 2,411 |
| Net interest margin | 4.4442% | 822 |
| Noninterest income to average assets | 0.5471% | 2,302 |
| Noninterest expense to average assets | 4.0875% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6129% | 4,199 |
| Return on assets (ROA) | 0.6129% | 4,241 |
| Pretax return on assets | 0.5955% | 4,525 |
| Return on Equity (ROE) | 7.1519% | 3,615 |
| Retained earnings to average equity (ytd only) | 0.0808% | 4,514 |
| Net charge-offs to loans | 0.0043% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 444 |
| Efficiency ratio | 87.2828% | 516 |
| Assets per employee ($millions) | 4.2516% | 3,541 |
| Cash dividends to net income (ytd only)* | 98.8701% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5622% | 5,000 |
| Loan loss allowance to noncurrent loans | 47.3850% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 709 |
| Noncurrent loans to loans | 1.1865% | 1,394 |
| Net loans and leases to total assets | 79.4946% | 910 |
| Net loans and leases to deposits | 87.0677% | 1,992 |
| Net loans and leases to core deposits | 92.7478% | 2,236 |
| Total domestic deposits to total assets | 91.3020% | 118 |
| Equity capital to assets | 8.4679% | 5,006 |
| Core capital (leverage) ratio | 8.5093% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2950% | 5,223 |
| Total risk-based capital ratio | 10.8414% | 5,306 |
| Memoranda: | ||
| Average total assets | $231,047,000 | 2,631 |
| Average earning assets | $215,021,500 | 2,626 |
| Average equity | $19,799,000 | 3,181 |
| Average total loans | $184,252,500 | 2,324 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 723 |
| Cost of funding earning assets | 0.4895% | 3,423 |
| Net interest margin | 4.6908% | 498 |
| Noninterest income to average assets | 1.0274% | 890 |
| Noninterest expense to average assets | 4.4860% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8657% | 3,552 |
| Return on assets (ROA) | 0.8657% | 3,549 |
| Pretax return on assets | 0.8696% | 3,975 |
| Return on Equity (ROE) | 9.2335% | 2,868 |
| Retained earnings to average equity (ytd only) | 2.6712% | 4,067 |
| Net charge-offs to loans | 0.1214% | 1,520 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 9.2410% | 2,830 |
| Efficiency ratio | 83.7628% | 667 |
| Assets per employee ($millions) | 4.4756% | 3,205 |
| Cash dividends to net income (ytd only)* | 71.0702% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 5,005 |
| Loan loss allowance to noncurrent loans | 32.1625% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 2.1984% | 400 |
| Noncurrent loans to loans | 1.8032% | 792 |
| Net loans and leases to total assets | 79.0833% | 1,081 |
| Net loans and leases to deposits | 88.8671% | 1,943 |
| Net loans and leases to core deposits | 93.8627% | 2,238 |
| Total domestic deposits to total assets | 88.9905% | 859 |
| Equity capital to assets | 8.6731% | 4,824 |
| Core capital (leverage) ratio | 9.0131% | 4,643 |
| Tier 1 risk-based capital ratio | 10.6898% | 5,114 |
| Total risk-based capital ratio | 11.2583% | 5,254 |
| Memoranda: | ||
| Average total assets | $207,221,400 | 2,793 |
| Average earning assets | $191,205,400 | 2,817 |
| Average equity | $19,429,200 | 3,143 |
| Average total loans | $160,601,200 | 2,517 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0653% | 815 |
| Cost of funding earning assets | 0.4444% | 3,568 |
| Net interest margin | 4.6209% | 568 |
| Noninterest income to average assets | 1.1051% | 776 |
| Noninterest expense to average assets | 4.5572% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7902% | 3,940 |
| Return on assets (ROA) | 0.7902% | 3,953 |
| Pretax return on assets | 0.8041% | 4,279 |
| Return on Equity (ROE) | 8.2533% | 3,439 |
| Retained earnings to average equity (ytd only) | 1.7031% | 4,673 |
| Net charge-offs to loans | 0.0953% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 10.9727% | 2,554 |
| Efficiency ratio | 85.0018% | 578 |
| Assets per employee ($millions) | 3.8385% | 4,124 |
| Cash dividends to net income (ytd only)* | 79.3654% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 4,944 |
| Loan loss allowance to noncurrent loans | 69.4988% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.4556% | 897 |
| Noncurrent loans to loans | 0.9557% | 1,780 |
| Net loans and leases to total assets | 80.5447% | 939 |
| Net loans and leases to deposits | 89.0827% | 2,008 |
| Net loans and leases to core deposits | 93.3912% | 2,361 |
| Total domestic deposits to total assets | 90.4157% | 374 |
| Equity capital to assets | 9.2480% | 4,324 |
| Core capital (leverage) ratio | 9.4035% | 4,274 |
| Tier 1 risk-based capital ratio | 11.4491% | 4,824 |
| Total risk-based capital ratio | 12.1158% | 5,001 |
| Memoranda: | ||
| Average total assets | $201,962,250 | 2,864 |
| Average earning assets | $186,020,500 | 2,887 |
| Average equity | $19,337,250 | 3,173 |
| Average total loans | $155,359,750 | 2,589 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 970 |
| Cost of funding earning assets | 0.4146% | 3,606 |
| Net interest margin | 4.5069% | 689 |
| Noninterest income to average assets | 1.1412% | 741 |
| Noninterest expense to average assets | 4.5186% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7621% | 3,988 |
| Return on assets (ROA) | 0.7621% | 3,992 |
| Pretax return on assets | 0.7762% | 4,314 |
| Return on Equity (ROE) | 7.8651% | 3,559 |
| Retained earnings to average equity (ytd only) | 1.3800% | 4,668 |
| Net charge-offs to loans | -0.0187% | 4,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3399% | 609 |
| Assets per employee ($millions) | 3.8641% | 4,111 |
| Cash dividends to net income (ytd only)* | 82.4538% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,626 |
| Loan loss allowance to noncurrent loans | 91.7151% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 915 |
| Noncurrent loans to loans | 0.8985% | 1,923 |
| Net loans and leases to total assets | 74.1632% | 1,923 |
| Net loans and leases to deposits | 82.2154% | 2,748 |
| Net loans and leases to core deposits | 85.8713% | 2,933 |
| Total domestic deposits to total assets | 90.2059% | 502 |
| Equity capital to assets | 9.4782% | 4,130 |
| Core capital (leverage) ratio | 9.6911% | 3,901 |
| Tier 1 risk-based capital ratio | 12.4773% | 4,200 |
| Total risk-based capital ratio | 13.2886% | 4,346 |
| Memoranda: | ||
| Average total assets | $198,911,330 | 2,910 |
| Average earning assets | $183,319,000 | 2,928 |
| Average equity | $19,275,000 | 3,195 |
| Average total loans | $150,086,670 | 2,664 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 993 |
| Cost of funding earning assets | 0.4042% | 3,545 |
| Net interest margin | 4.4392% | 703 |
| Noninterest income to average assets | 0.8736% | 1,222 |
| Noninterest expense to average assets | 4.5660% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3735% | 4,977 |
| Return on assets (ROA) | 0.3735% | 4,982 |
| Pretax return on assets | 0.3878% | 5,050 |
| Return on Equity (ROE) | 3.8111% | 4,817 |
| Retained earnings to average equity (ytd only) | -2.9573% | 5,080 |
| Net charge-offs to loans | -0.0377% | 4,846 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1714% | 358 |
| Assets per employee ($millions) | 4.2003% | 3,651 |
| Cash dividends to net income (ytd only)* | 177.5956% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 4,599 |
| Loan loss allowance to noncurrent loans | 104.4702% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 987 |
| Noncurrent loans to loans | 0.8237% | 2,172 |
| Net loans and leases to total assets | 73.6510% | 1,918 |
| Net loans and leases to deposits | 81.7580% | 2,616 |
| Net loans and leases to core deposits | 84.4398% | 2,940 |
| Total domestic deposits to total assets | 90.0842% | 627 |
| Equity capital to assets | 9.6934% | 3,891 |
| Core capital (leverage) ratio | 9.8265% | 3,735 |
| Tier 1 risk-based capital ratio | 13.0947% | 3,901 |
| Total risk-based capital ratio | 13.9583% | 4,011 |
| Memoranda: | ||
| Average total assets | $195,968,500 | 2,968 |
| Average earning assets | $180,121,000 | 2,990 |
| Average equity | $19,207,000 | 3,228 |
| Average total loans | $148,557,000 | 2,703 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7872% | 1,001 |
| Cost of funding earning assets | 0.4348% | 2,915 |
| Net interest margin | 4.3524% | 857 |
| Noninterest income to average assets | 0.9880% | 1,048 |
| Noninterest expense to average assets | 4.1808% | 423 |
| Loan and lease loss provision to assets | 0.1215% | 1,884 |
| Net operating income to assets | 0.6833% | 3,667 |
| Return on assets (ROA) | 0.6833% | 3,718 |
| Pretax return on assets | 0.6887% | 4,536 |
| Return on Equity (ROE) | 7.1860% | 3,184 |
| Retained earnings to average equity (ytd only) | 0.7699% | 4,734 |
| Net charge-offs to loans | 0.1875% | 1,347 |
| Credit loss provision to net charge-offs | 86.8327% | 2,841 |
| Earnings coverage of net charge-offs (x) | 5.7900% | 3,268 |
| Efficiency ratio | 83.7657% | 790 |
| Assets per employee ($millions) | 4.4210% | 3,320 |
| Cash dividends to net income (ytd only)* | 89.2857% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 4,739 |
| Loan loss allowance to noncurrent loans | 82.2134% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 739 |
| Noncurrent loans to loans | 1.0089% | 1,762 |
| Net loans and leases to total assets | 76.7038% | 1,478 |
| Net loans and leases to deposits | 85.3056% | 2,341 |
| Net loans and leases to core deposits | 88.4091% | 2,692 |
| Total domestic deposits to total assets | 89.9165% | 597 |
| Equity capital to assets | 9.9103% | 3,807 |
| Core capital (leverage) ratio | 9.8539% | 3,632 |
| Tier 1 risk-based capital ratio | 12.9981% | 3,904 |
| Total risk-based capital ratio | 13.8396% | 4,043 |
| Memoranda: | ||
| Average total assets | $200,800,800 | 2,919 |
| Average earning assets | $184,679,800 | 2,917 |
| Average equity | $19,092,800 | 3,234 |
| Average total loans | $149,832,600 | 2,658 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7689% | 987 |
| Cost of funding earning assets | 0.4400% | 2,810 |
| Net interest margin | 4.3290% | 860 |
| Noninterest income to average assets | 0.8196% | 1,514 |
| Noninterest expense to average assets | 4.1323% | 437 |
| Loan and lease loss provision to assets | 0.1608% | 1,275 |
| Net operating income to assets | 0.4994% | 4,729 |
| Return on assets (ROA) | 0.4994% | 4,767 |
| Pretax return on assets | 0.5132% | 5,001 |
| Return on Equity (ROE) | 5.3062% | 4,409 |
| Retained earnings to average equity (ytd only) | -1.5191% | 5,391 |
| Net charge-offs to loans | 0.4044% | 526 |
| Credit loss provision to net charge-offs | 53.7445% | 2,870 |
| Earnings coverage of net charge-offs (x) | 2.2533% | 3,487 |
| Efficiency ratio | 85.9767% | 634 |
| Assets per employee ($millions) | 4.1682% | 3,708 |
| Cash dividends to net income (ytd only)* | 128.6284% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 5,058 |
| Loan loss allowance to noncurrent loans | 26.8683% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 2.3506% | 485 |
| Noncurrent loans to loans | 2.7370% | 515 |
| Net loans and leases to total assets | 74.0702% | 1,901 |
| Net loans and leases to deposits | 82.3210% | 2,740 |
| Net loans and leases to core deposits | 85.1583% | 3,035 |
| Total domestic deposits to total assets | 89.9773% | 483 |
| Equity capital to assets | 9.6363% | 4,310 |
| Core capital (leverage) ratio | 9.4589% | 4,213 |
| Tier 1 risk-based capital ratio | 12.8655% | 4,106 |
| Total risk-based capital ratio | 13.5981% | 4,319 |
| Memoranda: | ||
| Average total assets | $202,369,750 | 2,930 |
| Average earning assets | $186,367,750 | 2,927 |
| Average equity | $19,046,500 | 3,267 |
| Average total loans | $149,676,750 | 2,677 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 1,071 |
| Cost of funding earning assets | 0.4371% | 2,730 |
| Net interest margin | 4.2565% | 964 |
| Noninterest income to average assets | 0.8165% | 1,512 |
| Noninterest expense to average assets | 4.0103% | 519 |
| Loan and lease loss provision to assets | 0.2386% | 711 |
| Net operating income to assets | 0.4772% | 4,765 |
| Return on assets (ROA) | 0.4772% | 4,799 |
| Pretax return on assets | 0.4909% | 5,019 |
| Return on Equity (ROE) | 5.1092% | 4,432 |
| Retained earnings to average equity (ytd only) | -2.2196% | 5,367 |
| Net charge-offs to loans | 0.5595% | 350 |
| Credit loss provision to net charge-offs | 57.8199% | 2,481 |
| Earnings coverage of net charge-offs (x) | 1.7678% | 3,248 |
| Efficiency ratio | 84.6090% | 794 |
| Assets per employee ($millions) | 4.2307% | 3,558 |
| Cash dividends to net income (ytd only)* | 143.4426% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 5,058 |
| Loan loss allowance to noncurrent loans | 27.8211% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.0145% | 629 |
| Noncurrent loans to loans | 2.7225% | 516 |
| Net loans and leases to total assets | 71.4251% | 2,297 |
| Net loans and leases to deposits | 79.0169% | 3,015 |
| Net loans and leases to core deposits | 81.6217% | 3,286 |
| Total domestic deposits to total assets | 90.3921% | 397 |
| Equity capital to assets | 9.2986% | 4,621 |
| Core capital (leverage) ratio | 9.2741% | 4,392 |
| Tier 1 risk-based capital ratio | 12.7846% | 4,132 |
| Total risk-based capital ratio | 13.5341% | 4,322 |
| Memoranda: | ||
| Average total assets | $204,524,330 | 2,914 |
| Average earning assets | $188,509,670 | 2,927 |
| Average equity | $19,102,670 | 3,263 |
| Average total loans | $150,841,330 | 2,672 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 816 |
| Cost of funding earning assets | 0.4214% | 2,803 |
| Net interest margin | 4.3385% | 716 |
| Noninterest income to average assets | 0.8750% | 1,321 |
| Noninterest expense to average assets | 3.9094% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9647% | 2,461 |
| Return on assets (ROA) | 0.9647% | 2,515 |
| Pretax return on assets | 0.9783% | 3,465 |
| Return on Equity (ROE) | 10.3058% | 1,824 |
| Retained earnings to average equity (ytd only) | 4.0599% | 3,430 |
| Net charge-offs to loans | 0.3421% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.8321% | 2,445 |
| Efficiency ratio | 79.9841% | 1,385 |
| Assets per employee ($millions) | 4.0934% | 3,853 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 5,151 |
| Loan loss allowance to noncurrent loans | 31.0967% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 723 |
| Noncurrent loans to loans | 2.4730% | 632 |
| Net loans and leases to total assets | 72.7542% | 1,952 |
| Net loans and leases to deposits | 80.5537% | 2,677 |
| Net loans and leases to core deposits | 83.1821% | 2,979 |
| Total domestic deposits to total assets | 90.3176% | 535 |
| Equity capital to assets | 9.4347% | 4,355 |
| Core capital (leverage) ratio | 9.3070% | 4,332 |
| Tier 1 risk-based capital ratio | 12.5814% | 4,337 |
| Total risk-based capital ratio | 13.3333% | 4,558 |
| Memoranda: | ||
| Average total assets | $205,250,000 | 2,935 |
| Average earning assets | $189,834,500 | 2,937 |
| Average equity | $19,212,500 | 3,266 |
| Average total loans | $153,186,000 | 2,659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8675% | 782 |
| Cost of funding earning assets | 0.4493% | 2,540 |
| Net interest margin | 4.4182% | 744 |
| Noninterest income to average assets | 0.8431% | 1,607 |
| Noninterest expense to average assets | 3.9918% | 607 |
| Loan and lease loss provision to assets | 0.1003% | 2,372 |
| Net operating income to assets | 0.8191% | 3,214 |
| Return on assets (ROA) | 0.8191% | 3,316 |
| Pretax return on assets | 0.8265% | 4,106 |
| Return on Equity (ROE) | 8.7650% | 2,532 |
| Retained earnings to average equity (ytd only) | -2.3614% | 5,556 |
| Net charge-offs to loans | 0.1879% | 1,477 |
| Credit loss provision to net charge-offs | 68.5619% | 3,151 |
| Earnings coverage of net charge-offs (x) | 6.3344% | 3,193 |
| Efficiency ratio | 81.1580% | 1,287 |
| Assets per employee ($millions) | 4.1166% | 3,754 |
| Cash dividends to net income (ytd only)* | 126.9415% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 5,045 |
| Loan loss allowance to noncurrent loans | 28.5746% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.3976% | 514 |
| Noncurrent loans to loans | 2.8769% | 486 |
| Net loans and leases to total assets | 75.3180% | 1,630 |
| Net loans and leases to deposits | 85.4873% | 2,240 |
| Net loans and leases to core deposits | 88.3244% | 2,639 |
| Total domestic deposits to total assets | 88.1043% | 1,585 |
| Equity capital to assets | 9.2868% | 4,486 |
| Core capital (leverage) ratio | 9.4599% | 4,139 |
| Tier 1 risk-based capital ratio | 11.9714% | 4,746 |
| Total risk-based capital ratio | 12.7762% | 4,939 |
| Memoranda: | ||
| Average total assets | $204,366,800 | 2,906 |
| Average earning assets | $188,517,400 | 2,911 |
| Average equity | $19,098,600 | 3,260 |
| Average total loans | $159,163,600 | 2,529 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8570% | 798 |
| Cost of funding earning assets | 0.4591% | 2,469 |
| Net interest margin | 4.3980% | 783 |
| Noninterest income to average assets | 0.8255% | 1,666 |
| Noninterest expense to average assets | 3.9489% | 629 |
| Loan and lease loss provision to assets | 0.0725% | 2,762 |
| Net operating income to assets | 0.8353% | 3,217 |
| Return on assets (ROA) | 0.8353% | 3,339 |
| Pretax return on assets | 0.8490% | 4,159 |
| Return on Equity (ROE) | 8.9238% | 2,539 |
| Retained earnings to average equity (ytd only) | -3.6449% | 5,683 |
| Net charge-offs to loans | 0.1234% | 1,725 |
| Credit loss provision to net charge-offs | 75.0000% | 2,721 |
| Earnings coverage of net charge-offs (x) | 9.5269% | 2,675 |
| Efficiency ratio | 81.0789% | 1,290 |
| Assets per employee ($millions) | 4.0148% | 3,941 |
| Cash dividends to net income (ytd only)* | 140.8449% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 5,039 |
| Loan loss allowance to noncurrent loans | 28.2467% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.5969% | 516 |
| Noncurrent loans to loans | 3.0080% | 494 |
| Net loans and leases to total assets | 78.0111% | 1,193 |
| Net loans and leases to deposits | 87.7366% | 2,048 |
| Net loans and leases to core deposits | 90.4215% | 2,535 |
| Total domestic deposits to total assets | 88.9151% | 949 |
| Equity capital to assets | 9.4868% | 4,674 |
| Core capital (leverage) ratio | 9.4090% | 4,316 |
| Tier 1 risk-based capital ratio | 11.9140% | 4,841 |
| Total risk-based capital ratio | 12.7536% | 4,995 |
| Memoranda: | ||
| Average total assets | $204,001,000 | 2,923 |
| Average earning assets | $187,627,000 | 2,937 |
| Average equity | $19,094,500 | 3,279 |
| Average total loans | $159,876,500 | 2,524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 763 |
| Cost of funding earning assets | 0.4622% | 2,453 |
| Net interest margin | 4.4136% | 745 |
| Noninterest income to average assets | 0.8270% | 1,621 |
| Noninterest expense to average assets | 3.9320% | 654 |
| Loan and lease loss provision to assets | 0.1082% | 2,055 |
| Net operating income to assets | 0.8240% | 3,199 |
| Return on assets (ROA) | 0.8240% | 3,334 |
| Pretax return on assets | 0.8377% | 4,167 |
| Return on Equity (ROE) | 8.8429% | 2,564 |
| Retained earnings to average equity (ytd only) | -7.3778% | 5,826 |
| Net charge-offs to loans | 0.1719% | 1,312 |
| Credit loss provision to net charge-offs | 80.4348% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.0290% | 2,675 |
| Efficiency ratio | 80.6078% | 1,427 |
| Assets per employee ($millions) | 4.0811% | 3,766 |
| Cash dividends to net income (ytd only)* | 183.4320% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 5,183 |
| Loan loss allowance to noncurrent loans | 28.5473% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.4935% | 557 |
| Noncurrent loans to loans | 2.9209% | 519 |
| Net loans and leases to total assets | 78.7991% | 1,098 |
| Net loans and leases to deposits | 87.1204% | 2,121 |
| Net loans and leases to core deposits | 89.6896% | 2,565 |
| Total domestic deposits to total assets | 90.4486% | 331 |
| Equity capital to assets | 9.2432% | 5,029 |
| Core capital (leverage) ratio | 9.1481% | 4,668 |
| Tier 1 risk-based capital ratio | 11.6365% | 5,067 |
| Total risk-based capital ratio | 12.4706% | 5,216 |
| Memoranda: | ||
| Average total assets | $205,087,330 | 2,930 |
| Average earning assets | $188,235,000 | 2,952 |
| Average equity | $19,111,330 | 3,287 |
| Average total loans | $160,521,000 | 2,525 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8874% | 713 |
| Cost of funding earning assets | 0.4719% | 2,354 |
| Net interest margin | 4.4156% | 711 |
| Noninterest income to average assets | 0.9669% | 1,154 |
| Noninterest expense to average assets | 3.9240% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0525% | 2,078 |
| Return on assets (ROA) | 1.0525% | 2,186 |
| Pretax return on assets | 1.0661% | 3,219 |
| Return on Equity (ROE) | 11.2494% | 1,515 |
| Retained earnings to average equity (ytd only) | -13.7031% | 5,888 |
| Net charge-offs to loans | 0.3381% | 659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.0593% | 2,471 |
| Efficiency ratio | 78.6355% | 1,810 |
| Assets per employee ($millions) | 4.0912% | 3,788 |
| Cash dividends to net income (ytd only)* | 221.8115% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 5,414 |
| Loan loss allowance to noncurrent loans | 31.1467% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.3103% | 682 |
| Noncurrent loans to loans | 2.5143% | 744 |
| Net loans and leases to total assets | 77.0460% | 1,242 |
| Net loans and leases to deposits | 85.1216% | 2,180 |
| Net loans and leases to core deposits | 87.6178% | 2,601 |
| Total domestic deposits to total assets | 90.5129% | 428 |
| Equity capital to assets | 9.2422% | 4,947 |
| Core capital (leverage) ratio | 9.2292% | 4,564 |
| Tier 1 risk-based capital ratio | 11.8382% | 5,023 |
| Total risk-based capital ratio | 12.6171% | 5,205 |
| Memoranda: | ||
| Average total assets | $205,604,500 | 2,932 |
| Average earning assets | $187,337,000 | 2,964 |
| Average equity | $19,236,500 | 3,279 |
| Average total loans | $159,709,500 | 2,531 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 833 |
| Cost of funding earning assets | 0.5442% | 1,814 |
| Net interest margin | 4.3214% | 927 |
| Noninterest income to average assets | 0.7513% | 1,978 |
| Noninterest expense to average assets | 3.4798% | 1,333 |
| Loan and lease loss provision to assets | 0.1792% | 1,264 |
| Net operating income to assets | 1.0771% | 2,018 |
| Return on assets (ROA) | 1.0771% | 2,090 |
| Pretax return on assets | 1.0878% | 3,119 |
| Return on Equity (ROE) | 12.9066% | 1,076 |
| Retained earnings to average equity (ytd only) | 7.7473% | 999 |
| Net charge-offs to loans | 0.3889% | 737 |
| Credit loss provision to net charge-offs | 60.9177% | 3,257 |
| Earnings coverage of net charge-offs (x) | 4.3070% | 3,579 |
| Efficiency ratio | 73.3085% | 2,692 |
| Assets per employee ($millions) | 4.3052% | 3,371 |
| Cash dividends to net income (ytd only)* | 39.9741% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8588% | 5,239 |
| Loan loss allowance to noncurrent loans | 32.2573% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.3083% | 703 |
| Noncurrent loans to loans | 2.6624% | 666 |
| Net loans and leases to total assets | 77.0344% | 1,249 |
| Net loans and leases to deposits | 85.2779% | 2,210 |
| Net loans and leases to core deposits | 87.6307% | 2,640 |
| Total domestic deposits to total assets | 90.3333% | 488 |
| Equity capital to assets | 9.4688% | 4,590 |
| Core capital (leverage) ratio | 9.3954% | 4,330 |
| Tier 1 risk-based capital ratio | 12.1521% | 4,856 |
| Total risk-based capital ratio | 13.0086% | 5,019 |
| Memoranda: | ||
| Average total assets | $214,838,200 | 2,792 |
| Average earning assets | $198,640,600 | 2,792 |
| Average equity | $17,928,800 | 3,391 |
| Average total loans | $162,518,200 | 2,433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,391 |
| Cost of funding earning assets | 0.5562% | 1,751 |
| Net interest margin | 4.0207% | 1,637 |
| Noninterest income to average assets | 0.8035% | 1,793 |
| Noninterest expense to average assets | 3.5766% | 1,159 |
| Loan and lease loss provision to assets | 0.0805% | 2,561 |
| Net operating income to assets | 0.8693% | 3,086 |
| Return on assets (ROA) | 0.8693% | 3,174 |
| Pretax return on assets | 0.8791% | 4,053 |
| Return on Equity (ROE) | 10.7612% | 1,803 |
| Retained earnings to average equity (ytd only) | 4.8631% | 3,014 |
| Net charge-offs to loans | 0.1857% | 1,372 |
| Credit loss provision to net charge-offs | 57.7093% | 2,936 |
| Earnings coverage of net charge-offs (x) | 6.8766% | 2,984 |
| Efficiency ratio | 78.8454% | 1,836 |
| Assets per employee ($millions) | 4.5404% | 2,938 |
| Cash dividends to net income (ytd only)* | 54.8091% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9128% | 5,158 |
| Loan loss allowance to noncurrent loans | 35.1078% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 710 |
| Noncurrent loans to loans | 2.5999% | 761 |
| Net loans and leases to total assets | 79.5244% | 879 |
| Net loans and leases to deposits | 88.9921% | 1,770 |
| Net loans and leases to core deposits | 91.8245% | 2,284 |
| Total domestic deposits to total assets | 89.3612% | 833 |
| Equity capital to assets | 9.0090% | 5,298 |
| Core capital (leverage) ratio | 8.7669% | 5,277 |
| Tier 1 risk-based capital ratio | 11.1427% | 5,582 |
| Total risk-based capital ratio | 12.0487% | 5,685 |
| Memoranda: | ||
| Average total assets | $216,885,750 | 2,795 |
| Average earning assets | $201,352,500 | 2,788 |
| Average equity | $17,519,250 | 3,477 |
| Average total loans | $163,005,500 | 2,445 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,582 |
| Cost of funding earning assets | 0.5781% | 1,588 |
| Net interest margin | 3.9083% | 1,946 |
| Noninterest income to average assets | 0.8225% | 1,691 |
| Noninterest expense to average assets | 3.4915% | 1,316 |
| Loan and lease loss provision to assets | 0.1193% | 1,855 |
| Net operating income to assets | 0.8244% | 3,250 |
| Return on assets (ROA) | 0.8244% | 3,362 |
| Pretax return on assets | 0.8326% | 4,196 |
| Return on Equity (ROE) | 10.5928% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.4478% | 3,178 |
| Net charge-offs to loans | 0.2465% | 1,052 |
| Credit loss provision to net charge-offs | 65.8291% | 2,528 |
| Earnings coverage of net charge-offs (x) | 5.2513% | 2,943 |
| Efficiency ratio | 78.5773% | 1,977 |
| Assets per employee ($millions) | 4.6414% | 2,759 |
| Cash dividends to net income (ytd only)* | 58.0110% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 5,070 |
| Loan loss allowance to noncurrent loans | 31.0668% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 2.6675% | 678 |
| Noncurrent loans to loans | 3.0789% | 635 |
| Net loans and leases to total assets | 73.9539% | 1,670 |
| Net loans and leases to deposits | 81.0622% | 2,657 |
| Net loans and leases to core deposits | 84.0647% | 2,973 |
| Total domestic deposits to total assets | 91.2310% | 248 |
| Equity capital to assets | 8.5068% | 5,679 |
| Core capital (leverage) ratio | 8.3478% | 5,676 |
| Tier 1 risk-based capital ratio | 11.0010% | 5,710 |
| Total risk-based capital ratio | 11.9247% | 5,791 |
| Memoranda: | ||
| Average total assets | $219,561,670 | 2,793 |
| Average earning assets | $203,412,000 | 2,782 |
| Average equity | $17,087,000 | 3,556 |
| Average total loans | $161,466,330 | 2,469 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4169% | 1,711 |
| Cost of funding earning assets | 0.5823% | 1,564 |
| Net interest margin | 3.8345% | 2,118 |
| Noninterest income to average assets | 0.8129% | 1,664 |
| Noninterest expense to average assets | 3.3526% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0292% | 2,134 |
| Return on assets (ROA) | 1.0292% | 2,276 |
| Pretax return on assets | 1.0328% | 3,369 |
| Return on Equity (ROE) | 12.6875% | 1,167 |
| Retained earnings to average equity (ytd only) | 1.0221% | 5,061 |
| Net charge-offs to loans | 0.3792% | 648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.7208% | 2,576 |
| Efficiency ratio | 76.4488% | 2,438 |
| Assets per employee ($millions) | 4.7479% | 2,690 |
| Cash dividends to net income (ytd only)* | 91.9440% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 5,102 |
| Loan loss allowance to noncurrent loans | 29.0985% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.6421% | 785 |
| Noncurrent loans to loans | 3.3896% | 584 |
| Net loans and leases to total assets | 68.8286% | 2,314 |
| Net loans and leases to deposits | 75.2582% | 3,142 |
| Net loans and leases to core deposits | 77.9897% | 3,377 |
| Total domestic deposits to total assets | 91.4565% | 238 |
| Equity capital to assets | 8.2898% | 5,876 |
| Core capital (leverage) ratio | 8.3995% | 5,631 |
| Tier 1 risk-based capital ratio | 10.9893% | 5,813 |
| Total risk-based capital ratio | 11.8982% | 5,887 |
| Memoranda: | ||
| Average total assets | $221,920,500 | 2,788 |
| Average earning assets | $206,753,000 | 2,763 |
| Average equity | $18,002,000 | 3,443 |
| Average total loans | $162,465,500 | 2,466 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,048 |
| Cost of funding earning assets | 0.4176% | 3,501 |
| Net interest margin | 4.4148% | 867 |
| Noninterest income to average assets | 0.7952% | 1,897 |
| Noninterest expense to average assets | 3.5255% | 1,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3328% | 1,223 |
| Return on assets (ROA) | 1.3328% | 1,276 |
| Pretax return on assets | 1.3661% | 2,014 |
| Return on Equity (ROE) | 15.1876% | 749 |
| Retained earnings to average equity (ytd only) | 3.3277% | 3,854 |
| Net charge-offs to loans | 0.0434% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 41.6000% | 1,047 |
| Efficiency ratio | 72.0719% | 3,196 |
| Assets per employee ($millions) | 4.9042% | 2,454 |
| Cash dividends to net income (ytd only)* | 78.0895% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 5,106 |
| Loan loss allowance to noncurrent loans | 33.7205% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 2.5724% | 880 |
| Noncurrent loans to loans | 2.9410% | 773 |
| Net loans and leases to total assets | 76.1818% | 1,236 |
| Net loans and leases to deposits | 87.2438% | 1,820 |
| Net loans and leases to core deposits | 89.7763% | 2,305 |
| Total domestic deposits to total assets | 87.3206% | 2,116 |
| Equity capital to assets | 7.9320% | 6,094 |
| Core capital (leverage) ratio | 8.4290% | 5,633 |
| Tier 1 risk-based capital ratio | 9.9654% | 6,270 |
| Total risk-based capital ratio | 10.9241% | 6,299 |
| Memoranda: | ||
| Average total assets | $197,931,600 | 3,023 |
| Average earning assets | $183,655,400 | 2,993 |
| Average equity | $17,369,400 | 3,477 |
| Average total loans | $149,842,200 | 2,569 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 1,007 |
| Cost of funding earning assets | 0.4189% | 3,589 |
| Net interest margin | 4.4420% | 831 |
| Noninterest income to average assets | 0.8538% | 1,681 |
| Noninterest expense to average assets | 3.5392% | 1,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4128% | 1,105 |
| Return on assets (ROA) | 1.4128% | 1,143 |
| Pretax return on assets | 1.4259% | 1,902 |
| Return on Equity (ROE) | 15.6669% | 722 |
| Retained earnings to average equity (ytd only) | 5.0915% | 3,028 |
| Net charge-offs to loans | -0.0018% | 5,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2809% | 3,297 |
| Assets per employee ($millions) | 4.2380% | 3,407 |
| Cash dividends to net income (ytd only)* | 67.5014% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1697% | 4,386 |
| Loan loss allowance to noncurrent loans | 38.8507% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.7560% | 902 |
| Noncurrent loans to loans | 3.0107% | 886 |
| Net loans and leases to total assets | 77.5772% | 1,009 |
| Net loans and leases to deposits | 86.5285% | 1,852 |
| Net loans and leases to core deposits | 88.5593% | 2,369 |
| Total domestic deposits to total assets | 89.6551% | 906 |
| Equity capital to assets | 9.2228% | 5,127 |
| Core capital (leverage) ratio | 9.2229% | 4,747 |
| Tier 1 risk-based capital ratio | 11.4454% | 5,817 |
| Total risk-based capital ratio | 12.5848% | 5,798 |
| Memoranda: | ||
| Average total assets | $192,242,500 | 3,097 |
| Average earning assets | $177,935,250 | 3,094 |
| Average equity | $17,335,500 | 3,496 |
| Average total loans | $144,850,750 | 2,651 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7873% | 1,092 |
| Cost of funding earning assets | 0.4211% | 3,644 |
| Net interest margin | 4.3662% | 910 |
| Noninterest income to average assets | 0.9131% | 1,453 |
| Noninterest expense to average assets | 3.4874% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4371% | 987 |
| Return on assets (ROA) | 1.4371% | 1,025 |
| Pretax return on assets | 1.4495% | 1,715 |
| Return on Equity (ROE) | 16.0570% | 652 |
| Retained earnings to average equity (ytd only) | 7.1880% | 1,673 |
| Net charge-offs to loans | -0.0908% | 6,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6389% | 3,546 |
| Assets per employee ($millions) | 4.5795% | 2,799 |
| Cash dividends to net income (ytd only)* | 55.2347% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,257 |
| Loan loss allowance to noncurrent loans | 41.3118% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 2.7259% | 964 |
| Noncurrent loans to loans | 2.9877% | 971 |
| Net loans and leases to total assets | 75.4674% | 1,239 |
| Net loans and leases to deposits | 83.2830% | 2,116 |
| Net loans and leases to core deposits | 85.0834% | 2,602 |
| Total domestic deposits to total assets | 90.6156% | 539 |
| Equity capital to assets | 9.1234% | 5,181 |
| Core capital (leverage) ratio | 9.0736% | 4,904 |
| Tier 1 risk-based capital ratio | 11.4819% | 5,812 |
| Total risk-based capital ratio | 12.6688% | 5,799 |
| Memoranda: | ||
| Average total assets | $192,752,670 | 3,114 |
| Average earning assets | $177,635,330 | 3,109 |
| Average equity | $17,251,000 | 3,509 |
| Average total loans | $143,234,330 | 2,683 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,218 |
| Cost of funding earning assets | 0.4261% | 3,681 |
| Net interest margin | 4.2903% | 1,017 |
| Noninterest income to average assets | 0.9494% | 1,259 |
| Noninterest expense to average assets | 3.4225% | 1,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4822% | 846 |
| Return on assets (ROA) | 1.4822% | 875 |
| Pretax return on assets | 1.4925% | 1,448 |
| Return on Equity (ROE) | 16.7227% | 562 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,539 |
| Net charge-offs to loans | -0.2830% | 6,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6331% | 3,888 |
| Assets per employee ($millions) | 4.6330% | 2,752 |
| Cash dividends to net income (ytd only)* | 51.0490% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 3,994 |
| Loan loss allowance to noncurrent loans | 40.6195% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.5993% | 1,200 |
| Noncurrent loans to loans | 3.2569% | 943 |
| Net loans and leases to total assets | 70.8764% | 1,743 |
| Net loans and leases to deposits | 77.9536% | 2,565 |
| Net loans and leases to core deposits | 79.7263% | 3,000 |
| Total domestic deposits to total assets | 90.9213% | 604 |
| Equity capital to assets | 8.8793% | 5,247 |
| Core capital (leverage) ratio | 9.0064% | 5,001 |
| Tier 1 risk-based capital ratio | 11.7162% | 5,808 |
| Total risk-based capital ratio | 12.9659% | 5,746 |
| Memoranda: | ||
| Average total assets | $192,959,000 | 3,128 |
| Average earning assets | $178,356,500 | 3,120 |
| Average equity | $17,102,500 | 3,540 |
| Average total loans | $141,367,500 | 2,715 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 1,443 |
| Cost of funding earning assets | 0.4604% | 4,020 |
| Net interest margin | 4.2889% | 1,137 |
| Noninterest income to average assets | 0.9692% | 1,467 |
| Noninterest expense to average assets | 3.4431% | 1,782 |
| Loan and lease loss provision to assets | 0.1469% | 2,456 |
| Net operating income to assets | 1.3869% | 1,050 |
| Return on assets (ROA) | 1.3869% | 1,090 |
| Pretax return on assets | 1.4015% | 1,774 |
| Return on Equity (ROE) | 15.4207% | 695 |
| Retained earnings to average equity (ytd only) | -5.6460% | 6,401 |
| Net charge-offs to loans | 0.2313% | 2,605 |
| Credit loss provision to net charge-offs | 87.3065% | 2,837 |
| Earnings coverage of net charge-offs (x) | 9.2043% | 2,538 |
| Efficiency ratio | 68.9795% | 4,023 |
| Assets per employee ($millions) | 4.4495% | 2,992 |
| Cash dividends to net income (ytd only)* | 136.6128% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,528 |
| Loan loss allowance to noncurrent loans | 35.8181% | 5,760 |
| Noncurrent assets plus other real estate owned to assets | 2.8830% | 1,116 |
| Noncurrent loans to loans | 3.4154% | 937 |
| Net loans and leases to total assets | 73.8096% | 1,376 |
| Net loans and leases to deposits | 81.1134% | 2,310 |
| Net loans and leases to core deposits | 83.2753% | 2,747 |
| Total domestic deposits to total assets | 90.9957% | 571 |
| Equity capital to assets | 8.8470% | 5,200 |
| Core capital (leverage) ratio | 9.0053% | 4,997 |
| Tier 1 risk-based capital ratio | 11.4109% | 5,958 |
| Total risk-based capital ratio | 12.5900% | 5,932 |
| Memoranda: | ||
| Average total assets | $192,004,800 | 3,127 |
| Average earning assets | $180,071,400 | 3,070 |
| Average equity | $17,269,000 | 3,526 |
| Average total loans | $139,650,600 | 2,704 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 1,446 |
| Cost of funding earning assets | 0.4665% | 4,098 |
| Net interest margin | 4.2939% | 1,110 |
| Noninterest income to average assets | 0.9387% | 1,639 |
| Noninterest expense to average assets | 3.4128% | 1,797 |
| Loan and lease loss provision to assets | 0.1561% | 2,309 |
| Net operating income to assets | 1.3911% | 1,124 |
| Return on assets (ROA) | 1.3911% | 1,171 |
| Pretax return on assets | 1.4056% | 1,914 |
| Return on Equity (ROE) | 15.4039% | 728 |
| Retained earnings to average equity (ytd only) | -9.1040% | 6,621 |
| Net charge-offs to loans | 0.1325% | 3,214 |
| Credit loss provision to net charge-offs | 163.0435% | 1,454 |
| Earnings coverage of net charge-offs (x) | 16.3112% | 1,813 |
| Efficiency ratio | 68.6053% | 3,978 |
| Assets per employee ($millions) | 4.3785% | 3,088 |
| Cash dividends to net income (ytd only)* | 159.1021% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,275 |
| Loan loss allowance to noncurrent loans | 33.4343% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 3.3632% | 1,030 |
| Noncurrent loans to loans | 3.9575% | 892 |
| Net loans and leases to total assets | 74.3486% | 1,240 |
| Net loans and leases to deposits | 81.9003% | 2,152 |
| Net loans and leases to core deposits | 84.1230% | 2,635 |
| Total domestic deposits to total assets | 90.7794% | 622 |
| Equity capital to assets | 8.8796% | 5,318 |
| Core capital (leverage) ratio | 8.9182% | 5,239 |
| Tier 1 risk-based capital ratio | 11.3659% | 6,118 |
| Total risk-based capital ratio | 12.6162% | 6,088 |
| Memoranda: | ||
| Average total assets | $192,173,500 | 3,148 |
| Average earning assets | $180,623,000 | 3,093 |
| Average equity | $17,354,500 | 3,553 |
| Average total loans | $138,821,000 | 2,731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 1,545 |
| Cost of funding earning assets | 0.4709% | 4,196 |
| Net interest margin | 4.2363% | 1,180 |
| Noninterest income to average assets | 0.9810% | 1,578 |
| Noninterest expense to average assets | 3.3782% | 1,873 |
| Loan and lease loss provision to assets | 0.0517% | 3,956 |
| Net operating income to assets | 1.5351% | 840 |
| Return on assets (ROA) | 1.5351% | 908 |
| Pretax return on assets | 1.5496% | 1,484 |
| Return on Equity (ROE) | 16.9070% | 564 |
| Retained earnings to average equity (ytd only) | -9.7343% | 6,658 |
| Net charge-offs to loans | 0.0319% | 4,243 |
| Credit loss provision to net charge-offs | 227.2727% | 1,080 |
| Earnings coverage of net charge-offs (x) | 70.4091% | 636 |
| Efficiency ratio | 67.8431% | 4,208 |
| Assets per employee ($millions) | 4.4781% | 2,844 |
| Cash dividends to net income (ytd only)* | 157.5758% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 4,434 |
| Loan loss allowance to noncurrent loans | 32.7450% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.2593% | 1,214 |
| Noncurrent loans to loans | 4.0152% | 966 |
| Net loans and leases to total assets | 72.5526% | 1,472 |
| Net loans and leases to deposits | 80.0424% | 2,311 |
| Net loans and leases to core deposits | 82.0404% | 2,796 |
| Total domestic deposits to total assets | 90.6428% | 685 |
| Equity capital to assets | 9.0637% | 5,152 |
| Core capital (leverage) ratio | 8.8744% | 5,184 |
| Tier 1 risk-based capital ratio | 11.6981% | 5,997 |
| Total risk-based capital ratio | 12.9457% | 5,951 |
| Memoranda: | ||
| Average total assets | $193,473,330 | 3,147 |
| Average earning assets | $182,613,670 | 3,085 |
| Average equity | $17,566,670 | 3,545 |
| Average total loans | $137,809,330 | 2,747 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 1,667 |
| Cost of funding earning assets | 0.4899% | 4,177 |
| Net interest margin | 4.1630% | 1,295 |
| Noninterest income to average assets | 1.0868% | 1,248 |
| Noninterest expense to average assets | 3.1728% | 2,441 |
| Loan and lease loss provision to assets | 0.1020% | 2,978 |
| Net operating income to assets | 1.7312% | 538 |
| Return on assets (ROA) | 1.7312% | 598 |
| Pretax return on assets | 1.7454% | 985 |
| Return on Equity (ROE) | 19.0503% | 356 |
| Retained earnings to average equity (ytd only) | -3.3882% | 6,221 |
| Net charge-offs to loans | 0.0145% | 3,856 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 181.2000% | 227 |
| Efficiency ratio | 63.2006% | 5,128 |
| Assets per employee ($millions) | 4.7879% | 2,508 |
| Cash dividends to net income (ytd only)* | 117.7856% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 4,547 |
| Loan loss allowance to noncurrent loans | 35.6948% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 3.2317% | 1,349 |
| Noncurrent loans to loans | 3.7332% | 1,254 |
| Net loans and leases to total assets | 69.1767% | 1,808 |
| Net loans and leases to deposits | 76.2372% | 2,600 |
| Net loans and leases to core deposits | 78.0549% | 3,054 |
| Total domestic deposits to total assets | 90.7388% | 648 |
| Equity capital to assets | 9.0427% | 5,433 |
| Core capital (leverage) ratio | 9.1231% | 4,684 |
| Tier 1 risk-based capital ratio | 12.0237% | 5,902 |
| Total risk-based capital ratio | 13.2659% | 5,863 |
| Memoranda: | ||
| Average total assets | $196,170,000 | 3,140 |
| Average earning assets | $185,347,000 | 3,079 |
| Average equity | $17,826,500 | 3,550 |
| Average total loans | $137,576,500 | 2,769 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 1,682 |
| Cost of funding earning assets | 0.6039% | 4,313 |
| Net interest margin | 4.3487% | 1,290 |
| Noninterest income to average assets | 0.9483% | 1,710 |
| Noninterest expense to average assets | 3.3246% | 2,268 |
| Loan and lease loss provision to assets | 0.1449% | 3,799 |
| Net operating income to assets | 1.5169% | 885 |
| Return on assets (ROA) | 1.5169% | 978 |
| Pretax return on assets | 1.5325% | 1,583 |
| Return on Equity (ROE) | 16.3050% | 617 |
| Retained earnings to average equity (ytd only) | 0.6618% | 5,531 |
| Net charge-offs to loans | 0.4060% | 2,632 |
| Credit loss provision to net charge-offs | 50.4505% | 4,690 |
| Earnings coverage of net charge-offs (x) | 5.8414% | 2,933 |
| Efficiency ratio | 66.4667% | 4,417 |
| Assets per employee ($millions) | 4.9009% | 2,358 |
| Cash dividends to net income (ytd only)* | 95.9413% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,628 |
| Loan loss allowance to noncurrent loans | 37.1678% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 3.1754% | 1,467 |
| Noncurrent loans to loans | 3.5020% | 1,425 |
| Net loans and leases to total assets | 69.2385% | 1,988 |
| Net loans and leases to deposits | 76.3562% | 2,742 |
| Net loans and leases to core deposits | 78.1787% | 3,234 |
| Total domestic deposits to total assets | 90.6783% | 621 |
| Equity capital to assets | 9.1319% | 5,360 |
| Core capital (leverage) ratio | 9.2297% | 4,526 |
| Tier 1 risk-based capital ratio | 12.3497% | 5,571 |
| Total risk-based capital ratio | 13.5845% | 5,530 |
| Memoranda: | ||
| Average total assets | $193,284,400 | 3,133 |
| Average earning assets | $180,167,000 | 3,088 |
| Average equity | $17,982,200 | 3,468 |
| Average total loans | $136,709,600 | 2,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 1,706 |
| Cost of funding earning assets | 0.6210% | 4,444 |
| Net interest margin | 4.3742% | 1,264 |
| Noninterest income to average assets | 1.0322% | 1,421 |
| Noninterest expense to average assets | 3.3222% | 2,210 |
| Loan and lease loss provision to assets | 0.1938% | 3,156 |
| Net operating income to assets | 1.5687% | 918 |
| Return on assets (ROA) | 1.5687% | 1,011 |
| Pretax return on assets | 1.5832% | 1,632 |
| Return on Equity (ROE) | 16.7827% | 631 |
| Retained earnings to average equity (ytd only) | -0.9777% | 6,270 |
| Net charge-offs to loans | 0.4483% | 2,315 |
| Credit loss provision to net charge-offs | 61.0022% | 4,126 |
| Earnings coverage of net charge-offs (x) | 5.5926% | 2,982 |
| Efficiency ratio | 65.1507% | 4,600 |
| Assets per employee ($millions) | 4.9632% | 2,237 |
| Cash dividends to net income (ytd only)* | 105.8251% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 4,525 |
| Loan loss allowance to noncurrent loans | 36.8287% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 3.5295% | 1,417 |
| Noncurrent loans to loans | 3.7015% | 1,438 |
| Net loans and leases to total assets | 70.5000% | 1,812 |
| Net loans and leases to deposits | 77.8273% | 2,689 |
| Net loans and leases to core deposits | 80.1701% | 3,184 |
| Total domestic deposits to total assets | 90.5851% | 569 |
| Equity capital to assets | 9.1194% | 5,683 |
| Core capital (leverage) ratio | 9.0784% | 4,951 |
| Tier 1 risk-based capital ratio | 12.2856% | 5,779 |
| Total risk-based capital ratio | 13.5363% | 5,750 |
| Memoranda: | ||
| Average total assets | $192,596,250 | 3,182 |
| Average earning assets | $179,074,250 | 3,140 |
| Average equity | $18,002,250 | 3,503 |
| Average total loans | $136,506,250 | 2,800 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0046% | 1,779 |
| Cost of funding earning assets | 0.6377% | 4,548 |
| Net interest margin | 4.3668% | 1,291 |
| Noninterest income to average assets | 1.0142% | 1,427 |
| Noninterest expense to average assets | 3.3255% | 2,236 |
| Loan and lease loss provision to assets | 0.2507% | 2,572 |
| Net operating income to assets | 1.4833% | 1,020 |
| Return on assets (ROA) | 1.4833% | 1,142 |
| Pretax return on assets | 1.4979% | 1,848 |
| Return on Equity (ROE) | 15.7404% | 807 |
| Retained earnings to average equity (ytd only) | 4.7022% | 3,482 |
| Net charge-offs to loans | 0.7197% | 1,538 |
| Credit loss provision to net charge-offs | 49.2843% | 4,054 |
| Earnings coverage of net charge-offs (x) | 3.4376% | 3,372 |
| Efficiency ratio | 65.5392% | 4,615 |
| Assets per employee ($millions) | 5.0765% | 2,062 |
| Cash dividends to net income (ytd only)* | 70.1262% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 4,665 |
| Loan loss allowance to noncurrent loans | 35.4606% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 3.4235% | 1,564 |
| Noncurrent loans to loans | 3.8102% | 1,472 |
| Net loans and leases to total assets | 67.0069% | 2,462 |
| Net loans and leases to deposits | 73.9911% | 3,294 |
| Net loans and leases to core deposits | 75.9689% | 3,771 |
| Total domestic deposits to total assets | 90.5609% | 630 |
| Equity capital to assets | 9.1977% | 5,465 |
| Core capital (leverage) ratio | 9.2493% | 4,528 |
| Tier 1 risk-based capital ratio | 12.7837% | 5,352 |
| Total risk-based capital ratio | 14.0340% | 5,324 |
| Memoranda: | ||
| Average total assets | $192,273,000 | 3,190 |
| Average earning assets | $178,757,000 | 3,152 |
| Average equity | $18,119,000 | 3,480 |
| Average total loans | $135,891,670 | 2,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 1,493 |
| Cost of funding earning assets | 0.6696% | 4,538 |
| Net interest margin | 4.4615% | 1,083 |
| Noninterest income to average assets | 1.4339% | 705 |
| Noninterest expense to average assets | 3.2711% | 2,382 |
| Loan and lease loss provision to assets | 0.3653% | 1,725 |
| Net operating income to assets | 1.9196% | 481 |
| Return on assets (ROA) | 1.9196% | 550 |
| Pretax return on assets | 1.9344% | 825 |
| Return on Equity (ROE) | 20.1179% | 382 |
| Retained earnings to average equity (ytd only) | 12.8143% | 711 |
| Net charge-offs to loans | 0.9927% | 1,047 |
| Credit loss provision to net charge-offs | 51.0324% | 3,267 |
| Earnings coverage of net charge-offs (x) | 3.2124% | 2,914 |
| Efficiency ratio | 58.7187% | 5,813 |
| Assets per employee ($millions) | 5.0269% | 2,223 |
| Cash dividends to net income (ytd only)* | 36.3036% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 4,521 |
| Loan loss allowance to noncurrent loans | 37.1770% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 3.7067% | 1,527 |
| Noncurrent loans to loans | 3.8175% | 1,622 |
| Net loans and leases to total assets | 67.2820% | 2,234 |
| Net loans and leases to deposits | 74.3923% | 3,064 |
| Net loans and leases to core deposits | 76.1748% | 3,596 |
| Total domestic deposits to total assets | 90.4421% | 836 |
| Equity capital to assets | 9.3666% | 5,008 |
| Core capital (leverage) ratio | 9.7898% | 3,656 |
| Tier 1 risk-based capital ratio | 12.8668% | 5,305 |
| Total risk-based capital ratio | 14.1175% | 5,288 |
| Memoranda: | ||
| Average total assets | $189,417,500 | 3,240 |
| Average earning assets | $175,635,500 | 3,218 |
| Average equity | $18,073,500 | 3,493 |
| Average total loans | $136,597,500 | 2,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 1,386 |
| Cost of funding earning assets | 0.8604% | 4,392 |
| Net interest margin | 4.5521% | 1,024 |
| Noninterest income to average assets | 0.5969% | 3,184 |
| Noninterest expense to average assets | 3.5993% | 1,743 |
| Loan and lease loss provision to assets | 0.3148% | 3,156 |
| Net operating income to assets | 0.8608% | 2,768 |
| Return on assets (ROA) | 0.8608% | 2,918 |
| Pretax return on assets | 0.8688% | 3,713 |
| Return on Equity (ROE) | 9.3097% | 2,324 |
| Retained earnings to average equity (ytd only) | 3.4332% | 3,780 |
| Net charge-offs to loans | 0.1956% | 4,577 |
| Credit loss provision to net charge-offs | 218.5874% | 1,116 |
| Earnings coverage of net charge-offs (x) | 8.2193% | 2,186 |
| Efficiency ratio | 75.2546% | 3,015 |
| Assets per employee ($millions) | 4.6868% | 2,623 |
| Cash dividends to net income (ytd only)* | 63.1219% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 4,105 |
| Loan loss allowance to noncurrent loans | 37.5796% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.2208% | 1,335 |
| Noncurrent loans to loans | 3.9421% | 1,589 |
| Net loans and leases to total assets | 75.1290% | 1,076 |
| Net loans and leases to deposits | 83.3931% | 2,010 |
| Net loans and leases to core deposits | 85.5379% | 2,699 |
| Total domestic deposits to total assets | 90.0901% | 943 |
| Equity capital to assets | 9.7294% | 4,551 |
| Core capital (leverage) ratio | 9.7547% | 3,668 |
| Tier 1 risk-based capital ratio | 12.6120% | 5,362 |
| Total risk-based capital ratio | 13.8644% | 5,346 |
| Memoranda: | ||
| Average total assets | $186,812,200 | 3,237 |
| Average earning assets | $171,790,000 | 3,205 |
| Average equity | $17,272,400 | 3,539 |
| Average total loans | $137,501,600 | 2,844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4255% | 1,441 |
| Cost of funding earning assets | 0.9134% | 4,312 |
| Net interest margin | 4.5121% | 1,116 |
| Noninterest income to average assets | 0.5324% | 3,633 |
| Noninterest expense to average assets | 3.6396% | 1,630 |
| Loan and lease loss provision to assets | 0.3819% | 2,567 |
| Net operating income to assets | 0.6446% | 3,903 |
| Return on assets (ROA) | 0.6446% | 4,080 |
| Pretax return on assets | 0.6595% | 4,611 |
| Return on Equity (ROE) | 7.0614% | 3,500 |
| Retained earnings to average equity (ytd only) | -0.3655% | 6,044 |
| Net charge-offs to loans | 0.2170% | 4,080 |
| Credit loss provision to net charge-offs | 241.2556% | 1,188 |
| Earnings coverage of net charge-offs (x) | 6.5784% | 2,527 |
| Efficiency ratio | 77.7525% | 2,576 |
| Assets per employee ($millions) | 4.7173% | 2,601 |
| Cash dividends to net income (ytd only)* | 105.1758% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,968 |
| Loan loss allowance to noncurrent loans | 51.1161% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 3.4418% | 1,833 |
| Noncurrent loans to loans | 2.9894% | 2,311 |
| Net loans and leases to total assets | 72.1937% | 1,669 |
| Net loans and leases to deposits | 79.8582% | 2,673 |
| Net loans and leases to core deposits | 81.9554% | 3,335 |
| Total domestic deposits to total assets | 90.4024% | 675 |
| Equity capital to assets | 9.3193% | 5,348 |
| Core capital (leverage) ratio | 9.1867% | 4,647 |
| Tier 1 risk-based capital ratio | 12.3886% | 5,590 |
| Total risk-based capital ratio | 13.6416% | 5,573 |
| Memoranda: | ||
| Average total assets | $187,818,500 | 3,233 |
| Average earning assets | $172,685,750 | 3,207 |
| Average equity | $17,144,500 | 3,560 |
| Average total loans | $137,029,250 | 2,884 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 1,475 |
| Cost of funding earning assets | 0.9977% | 3,964 |
| Net interest margin | 4.4325% | 1,288 |
| Noninterest income to average assets | 0.4580% | 4,217 |
| Noninterest expense to average assets | 3.6023% | 1,735 |
| Loan and lease loss provision to assets | 0.3384% | 2,761 |
| Net operating income to assets | 0.5764% | 4,174 |
| Return on assets (ROA) | 0.5764% | 4,299 |
| Pretax return on assets | 0.5912% | 4,766 |
| Return on Equity (ROE) | 6.3578% | 3,763 |
| Retained earnings to average equity (ytd only) | -1.5165% | 6,161 |
| Net charge-offs to loans | 0.2004% | 3,946 |
| Credit loss provision to net charge-offs | 231.8841% | 1,295 |
| Earnings coverage of net charge-offs (x) | 6.3696% | 2,406 |
| Efficiency ratio | 79.4866% | 2,466 |
| Assets per employee ($millions) | 4.6401% | 2,625 |
| Cash dividends to net income (ytd only)* | 123.8532% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,490 |
| Loan loss allowance to noncurrent loans | 45.0678% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 3.6169% | 1,815 |
| Noncurrent loans to loans | 3.1435% | 2,288 |
| Net loans and leases to total assets | 70.5203% | 2,109 |
| Net loans and leases to deposits | 77.6720% | 3,187 |
| Net loans and leases to core deposits | 79.7131% | 3,826 |
| Total domestic deposits to total assets | 90.7924% | 593 |
| Equity capital to assets | 8.9684% | 5,625 |
| Core capital (leverage) ratio | 8.8148% | 5,019 |
| Tier 1 risk-based capital ratio | 12.0271% | 5,765 |
| Total risk-based capital ratio | 13.2783% | 5,727 |
| Memoranda: | ||
| Average total assets | $189,100,330 | 3,237 |
| Average earning assets | $173,807,670 | 3,203 |
| Average equity | $17,144,330 | 3,548 |
| Average total loans | $137,746,330 | 2,896 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3831% | 1,629 |
| Cost of funding earning assets | 1.0882% | 3,599 |
| Net interest margin | 4.2950% | 1,575 |
| Noninterest income to average assets | 0.5410% | 3,571 |
| Noninterest expense to average assets | 3.4987% | 2,005 |
| Loan and lease loss provision to assets | 0.4668% | 1,885 |
| Net operating income to assets | 0.5050% | 4,472 |
| Return on assets (ROA) | 0.5050% | 4,554 |
| Pretax return on assets | 0.5198% | 4,959 |
| Return on Equity (ROE) | 5.5396% | 4,141 |
| Retained earnings to average equity (ytd only) | -0.2793% | 5,844 |
| Net charge-offs to loans | 0.0058% | 5,047 |
| Credit loss provision to net charge-offs | 11,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 232.5000% | 133 |
| Efficiency ratio | 78.0038% | 2,842 |
| Assets per employee ($millions) | 4.5076% | 2,877 |
| Cash dividends to net income (ytd only)* | 105.0420% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,514 |
| Loan loss allowance to noncurrent loans | 45.0562% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 3.7074% | 1,825 |
| Noncurrent loans to loans | 3.1791% | 2,360 |
| Net loans and leases to total assets | 69.7276% | 2,179 |
| Net loans and leases to deposits | 76.6614% | 3,310 |
| Net loans and leases to core deposits | 78.8632% | 3,916 |
| Total domestic deposits to total assets | 90.9553% | 649 |
| Equity capital to assets | 8.8631% | 5,405 |
| Core capital (leverage) ratio | 9.0591% | 4,511 |
| Tier 1 risk-based capital ratio | 11.9573% | 5,734 |
| Total risk-based capital ratio | 13.2087% | 5,719 |
| Memoranda: | ||
| Average total assets | $188,527,500 | 3,260 |
| Average earning assets | $173,133,000 | 3,253 |
| Average equity | $17,185,500 | 3,536 |
| Average total loans | $138,574,500 | 2,917 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7431% | 1,428 |
| Cost of funding earning assets | 1.3824% | 3,376 |
| Net interest margin | 4.3607% | 1,615 |
| Noninterest income to average assets | 1.5392% | 620 |
| Noninterest expense to average assets | 3.7671% | 1,547 |
| Loan and lease loss provision to assets | 0.9427% | 1,733 |
| Net operating income to assets | 0.8162% | 2,725 |
| Return on assets (ROA) | 0.8162% | 2,862 |
| Pretax return on assets | 0.8234% | 3,557 |
| Return on Equity (ROE) | 8.9291% | 2,326 |
| Retained earnings to average equity (ytd only) | -15.7891% | 6,913 |
| Net charge-offs to loans | 2.3684% | 808 |
| Credit loss provision to net charge-offs | 50.4542% | 6,251 |
| Earnings coverage of net charge-offs (x) | 0.9452% | 5,163 |
| Efficiency ratio | 68.0806% | 4,548 |
| Assets per employee ($millions) | 4.3626% | 3,092 |
| Cash dividends to net income (ytd only)* | 276.8271% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,287 |
| Loan loss allowance to noncurrent loans | 34.1282% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 4.5905% | 1,455 |
| Noncurrent loans to loans | 3.6534% | 2,043 |
| Net loans and leases to total assets | 75.4732% | 1,386 |
| Net loans and leases to deposits | 83.4508% | 2,542 |
| Net loans and leases to core deposits | 85.8761% | 3,336 |
| Total domestic deposits to total assets | 90.4403% | 866 |
| Equity capital to assets | 9.3828% | 4,564 |
| Core capital (leverage) ratio | 9.3805% | 3,881 |
| Tier 1 risk-based capital ratio | 12.0653% | 5,411 |
| Total risk-based capital ratio | 13.2907% | 5,420 |
| Memoranda: | ||
| Average total assets | $206,206,600 | 3,027 |
| Average earning assets | $188,870,000 | 3,023 |
| Average equity | $18,848,400 | 3,297 |
| Average total loans | $162,685,400 | 2,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7980% | 1,402 |
| Cost of funding earning assets | 1.4533% | 3,255 |
| Net interest margin | 4.3448% | 1,696 |
| Noninterest income to average assets | 1.7387% | 476 |
| Noninterest expense to average assets | 3.7643% | 1,444 |
| Loan and lease loss provision to assets | 1.0537% | 1,398 |
| Net operating income to assets | 0.8889% | 2,653 |
| Return on assets (ROA) | 0.8889% | 2,797 |
| Pretax return on assets | 0.9021% | 3,548 |
| Return on Equity (ROE) | 9.7804% | 2,216 |
| Retained earnings to average equity (ytd only) | -19.0071% | 7,183 |
| Net charge-offs to loans | 2.8694% | 560 |
| Credit loss provision to net charge-offs | 46.2324% | 5,940 |
| Earnings coverage of net charge-offs (x) | 0.8581% | 5,191 |
| Efficiency ratio | 65.8089% | 4,904 |
| Assets per employee ($millions) | 4.7368% | 2,541 |
| Cash dividends to net income (ytd only)* | 294.3385% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,453 |
| Loan loss allowance to noncurrent loans | 34.7101% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 4.4884% | 1,510 |
| Noncurrent loans to loans | 3.4823% | 2,281 |
| Net loans and leases to total assets | 77.4647% | 1,136 |
| Net loans and leases to deposits | 86.0237% | 2,334 |
| Net loans and leases to core deposits | 88.9390% | 3,246 |
| Total domestic deposits to total assets | 90.0504% | 852 |
| Equity capital to assets | 9.6784% | 4,571 |
| Core capital (leverage) ratio | 9.5132% | 3,884 |
| Tier 1 risk-based capital ratio | 12.2457% | 5,223 |
| Total risk-based capital ratio | 13.4449% | 5,248 |
| Memoranda: | ||
| Average total assets | $211,951,250 | 3,010 |
| Average earning assets | $194,221,500 | 2,987 |
| Average equity | $19,262,500 | 3,282 |
| Average total loans | $168,348,250 | 2,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8350% | 1,333 |
| Cost of funding earning assets | 1.5329% | 3,051 |
| Net interest margin | 4.3021% | 1,772 |
| Noninterest income to average assets | 2.1267% | 323 |
| Noninterest expense to average assets | 3.7682% | 1,419 |
| Loan and lease loss provision to assets | 1.3594% | 997 |
| Net operating income to assets | 0.9353% | 2,418 |
| Return on assets (ROA) | 0.9353% | 2,507 |
| Pretax return on assets | 0.9479% | 3,316 |
| Return on Equity (ROE) | 10.4748% | 1,938 |
| Retained earnings to average equity (ytd only) | 0.6641% | 5,494 |
| Net charge-offs to loans | 3.5667% | 407 |
| Credit loss provision to net charge-offs | 47.8192% | 5,465 |
| Earnings coverage of net charge-offs (x) | 0.8116% | 4,959 |
| Efficiency ratio | 62.0231% | 5,688 |
| Assets per employee ($millions) | 4.8300% | 2,404 |
| Cash dividends to net income (ytd only)* | 93.6599% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 4,545 |
| Loan loss allowance to noncurrent loans | 22.1644% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 5.4871% | 1,127 |
| Noncurrent loans to loans | 6.2150% | 1,005 |
| Net loans and leases to total assets | 78.1323% | 1,092 |
| Net loans and leases to deposits | 90.8339% | 1,720 |
| Net loans and leases to core deposits | 93.7728% | 2,749 |
| Total domestic deposits to total assets | 86.0167% | 3,074 |
| Equity capital to assets | 11.0243% | 2,836 |
| Core capital (leverage) ratio | 9.6493% | 3,608 |
| Tier 1 risk-based capital ratio | 14.0278% | 3,713 |
| Total risk-based capital ratio | 15.2792% | 3,678 |
| Memoranda: | ||
| Average total assets | $222,602,330 | 2,900 |
| Average earning assets | $204,319,330 | 2,883 |
| Average equity | $19,876,330 | 3,189 |
| Average total loans | $177,417,330 | 2,450 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8383% | 1,355 |
| Cost of funding earning assets | 1.5548% | 3,235 |
| Net interest margin | 4.2835% | 1,741 |
| Noninterest income to average assets | 0.7186% | 2,479 |
| Noninterest expense to average assets | 3.5154% | 1,939 |
| Loan and lease loss provision to assets | 1.8800% | 597 |
| Net operating income to assets | -0.7698% | 6,996 |
| Return on assets (ROA) | -0.7698% | 7,018 |
| Pretax return on assets | -0.7583% | 6,930 |
| Return on Equity (ROE) | -9.4631% | 7,115 |
| Retained earnings to average equity (ytd only) | -9.9708% | 6,968 |
| Net charge-offs to loans | 1.2801% | 1,333 |
| Credit loss provision to net charge-offs | 183.8449% | 1,992 |
| Earnings coverage of net charge-offs (x) | 1.0969% | 4,110 |
| Efficiency ratio | 75.8105% | 3,248 |
| Assets per employee ($millions) | 4.8163% | 2,486 |
| Cash dividends to net income (ytd only)* | -5.3648% | 7,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 1,745 |
| Loan loss allowance to noncurrent loans | 42.0199% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 4.6405% | 1,437 |
| Noncurrent loans to loans | 5.2452% | 1,358 |
| Net loans and leases to total assets | 76.8901% | 1,352 |
| Net loans and leases to deposits | 88.3255% | 2,171 |
| Net loans and leases to core deposits | 90.8174% | 3,254 |
| Total domestic deposits to total assets | 87.0531% | 2,603 |
| Equity capital to assets | 8.1710% | 6,469 |
| Core capital (leverage) ratio | 8.1009% | 6,072 |
| Tier 1 risk-based capital ratio | 10.4495% | 6,677 |
| Total risk-based capital ratio | 11.7113% | 6,663 |
| Memoranda: | ||
| Average total assets | $242,133,500 | 2,741 |
| Average earning assets | $221,503,000 | 2,719 |
| Average equity | $19,697,500 | 3,239 |
| Average total loans | $193,422,500 | 2,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3173% | 993 |
| Cost of funding earning assets | 2.0053% | 2,936 |
| Net interest margin | 4.3120% | 1,682 |
| Noninterest income to average assets | 0.7788% | 2,519 |
| Noninterest expense to average assets | 3.3906% | 2,710 |
| Loan and lease loss provision to assets | 0.9618% | 2,353 |
| Net operating income to assets | 0.4127% | 4,078 |
| Return on assets (ROA) | 0.4127% | 4,187 |
| Pretax return on assets | 0.4156% | 4,450 |
| Return on Equity (ROE) | 5.1486% | 3,603 |
| Retained earnings to average equity (ytd only) | 3.1055% | 2,989 |
| Net charge-offs to loans | 0.6780% | 3,155 |
| Credit loss provision to net charge-offs | 169.2363% | 2,526 |
| Earnings coverage of net charge-offs (x) | 2.4236% | 3,915 |
| Efficiency ratio | 71.1121% | 4,426 |
| Assets per employee ($millions) | 4.8690% | 2,382 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,411 |
| Loan loss allowance to noncurrent loans | 33.8584% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 4.8182% | 1,303 |
| Noncurrent loans to loans | 5.4641% | 1,189 |
| Net loans and leases to total assets | 79.6276% | 1,061 |
| Net loans and leases to deposits | 91.3114% | 1,998 |
| Net loans and leases to core deposits | 110.9836% | 2,797 |
| Total domestic deposits to total assets | 87.2045% | 2,386 |
| Equity capital to assets | 8.0993% | 6,461 |
| Core capital (leverage) ratio | 8.0962% | 5,999 |
| Tier 1 risk-based capital ratio | 10.0171% | 6,858 |
| Total risk-based capital ratio | 11.2745% | 6,821 |
| Memoranda: | ||
| Average total assets | $244,236,000 | 2,670 |
| Average earning assets | $225,952,200 | 2,638 |
| Average equity | $19,578,000 | 3,269 |
| Average total loans | $204,716,800 | 2,258 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3090% | 1,117 |
| Cost of funding earning assets | 2.0993% | 2,895 |
| Net interest margin | 4.2097% | 2,019 |
| Noninterest income to average assets | 0.7489% | 2,717 |
| Noninterest expense to average assets | 3.1654% | 3,420 |
| Loan and lease loss provision to assets | 0.8155% | 2,333 |
| Net operating income to assets | 0.6753% | 3,297 |
| Return on assets (ROA) | 0.6753% | 3,358 |
| Pretax return on assets | 0.6742% | 3,944 |
| Return on Equity (ROE) | 8.4461% | 2,471 |
| Retained earnings to average equity (ytd only) | 6.3994% | 1,768 |
| Net charge-offs to loans | 0.6017% | 2,872 |
| Credit loss provision to net charge-offs | 160.4077% | 2,957 |
| Earnings coverage of net charge-offs (x) | 2.9302% | 3,764 |
| Efficiency ratio | 67.9986% | 4,976 |
| Assets per employee ($millions) | 4.4314% | 2,971 |
| Cash dividends to net income (ytd only)* | 24.2326% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6290% | 2,880 |
| Loan loss allowance to noncurrent loans | 38.6129% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 4.0172% | 1,589 |
| Noncurrent loans to loans | 4.2187% | 1,707 |
| Net loans and leases to total assets | 80.6982% | 1,045 |
| Net loans and leases to deposits | 92.7580% | 2,105 |
| Net loans and leases to core deposits | 113.3154% | 2,896 |
| Total domestic deposits to total assets | 86.9987% | 2,181 |
| Equity capital to assets | 8.2255% | 6,610 |
| Core capital (leverage) ratio | 8.0485% | 6,280 |
| Tier 1 risk-based capital ratio | 10.0808% | 6,898 |
| Total risk-based capital ratio | 11.3354% | 6,842 |
| Memoranda: | ||
| Average total assets | $244,432,000 | 2,680 |
| Average earning assets | $226,801,250 | 2,648 |
| Average equity | $19,543,000 | 3,310 |
| Average total loans | $206,518,750 | 2,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2848% | 1,249 |
| Cost of funding earning assets | 2.1758% | 2,907 |
| Net interest margin | 4.1090% | 2,291 |
| Noninterest income to average assets | 0.7717% | 2,578 |
| Noninterest expense to average assets | 3.0008% | 4,082 |
| Loan and lease loss provision to assets | 0.9482% | 1,782 |
| Net operating income to assets | 0.6368% | 3,521 |
| Return on assets (ROA) | 0.6368% | 3,627 |
| Pretax return on assets | 0.6294% | 4,238 |
| Return on Equity (ROE) | 8.0414% | 2,755 |
| Retained earnings to average equity (ytd only) | 4.9446% | 2,541 |
| Net charge-offs to loans | 0.7206% | 2,256 |
| Credit loss provision to net charge-offs | 154.2553% | 2,977 |
| Earnings coverage of net charge-offs (x) | 2.5665% | 3,783 |
| Efficiency ratio | 65.5419% | 5,623 |
| Assets per employee ($millions) | 4.6845% | 2,482 |
| Cash dividends to net income (ytd only)* | 38.5109% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,109 |
| Loan loss allowance to noncurrent loans | 33.1871% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 4.0825% | 1,432 |
| Noncurrent loans to loans | 4.5648% | 1,406 |
| Net loans and leases to total assets | 81.1980% | 1,100 |
| Net loans and leases to deposits | 93.9955% | 2,092 |
| Net loans and leases to core deposits | 114.6728% | 2,837 |
| Total domestic deposits to total assets | 86.3850% | 2,580 |
| Equity capital to assets | 7.8900% | 6,875 |
| Core capital (leverage) ratio | 7.8776% | 6,521 |
| Tier 1 risk-based capital ratio | 9.5807% | 7,326 |
| Total risk-based capital ratio | 10.8342% | 7,278 |
| Memoranda: | ||
| Average total assets | $244,666,330 | 2,703 |
| Average earning assets | $226,675,330 | 2,672 |
| Average equity | $19,374,670 | 3,343 |
| Average total loans | $208,711,000 | 2,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3934% | 1,077 |
| Cost of funding earning assets | 2.2622% | 2,873 |
| Net interest margin | 4.1313% | 2,161 |
| Noninterest income to average assets | 0.7576% | 2,555 |
| Noninterest expense to average assets | 3.1903% | 3,033 |
| Loan and lease loss provision to assets | 0.4447% | 2,697 |
| Net operating income to assets | 0.9372% | 2,557 |
| Return on assets (ROA) | 0.9372% | 2,687 |
| Pretax return on assets | 0.9487% | 3,540 |
| Return on Equity (ROE) | 11.8126% | 1,727 |
| Retained earnings to average equity (ytd only) | 6.6226% | 2,365 |
| Net charge-offs to loans | 0.7005% | 1,783 |
| Credit loss provision to net charge-offs | 73.1707% | 4,294 |
| Earnings coverage of net charge-offs (x) | 2.2927% | 3,587 |
| Efficiency ratio | 69.6011% | 4,655 |
| Assets per employee ($millions) | 4.6659% | 2,488 |
| Cash dividends to net income (ytd only)* | 43.9367% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 4,501 |
| Loan loss allowance to noncurrent loans | 35.5051% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.2007% | 1,735 |
| Noncurrent loans to loans | 3.5030% | 1,816 |
| Net loans and leases to total assets | 83.2905% | 812 |
| Net loans and leases to deposits | 96.5079% | 1,870 |
| Net loans and leases to core deposits | 117.1895% | 2,666 |
| Total domestic deposits to total assets | 86.3044% | 2,552 |
| Equity capital to assets | 7.8559% | 6,999 |
| Core capital (leverage) ratio | 8.0027% | 6,437 |
| Tier 1 risk-based capital ratio | 9.1664% | 7,696 |
| Total risk-based capital ratio | 10.3904% | 7,713 |
| Memoranda: | ||
| Average total assets | $242,861,000 | 2,738 |
| Average earning assets | $224,918,500 | 2,706 |
| Average equity | $19,267,500 | 3,377 |
| Average total loans | $210,718,000 | 2,264 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9665% | 1,217 |
| Cost of funding earning assets | 2.9369% | 2,112 |
| Net interest margin | 4.0296% | 2,981 |
| Noninterest income to average assets | 0.5282% | 4,403 |
| Noninterest expense to average assets | 3.1219% | 3,608 |
| Loan and lease loss provision to assets | 1.0519% | 1,391 |
| Net operating income to assets | 0.0889% | 6,137 |
| Return on assets (ROA) | 0.0889% | 5,979 |
| Pretax return on assets | 0.0909% | 5,965 |
| Return on Equity (ROE) | 1.1966% | 5,855 |
| Retained earnings to average equity (ytd only) | -3.5122% | 6,233 |
| Net charge-offs to loans | 0.5615% | 2,134 |
| Credit loss provision to net charge-offs | 223.9054% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.4326% | 4,860 |
| Efficiency ratio | 73.2034% | 3,710 |
| Assets per employee ($millions) | 4.2577% | 3,025 |
| Cash dividends to net income (ytd only)* | 393.5185% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 4,021 |
| Loan loss allowance to noncurrent loans | 52.9389% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 2.3483% | 2,070 |
| Noncurrent loans to loans | 2.3897% | 2,301 |
| Net loans and leases to total assets | 88.1509% | 350 |
| Net loans and leases to deposits | 103.8706% | 1,354 |
| Net loans and leases to core deposits | 125.0872% | 2,244 |
| Total domestic deposits to total assets | 84.8661% | 2,906 |
| Equity capital to assets | 8.0141% | 6,826 |
| Core capital (leverage) ratio | 8.0449% | 6,415 |
| Tier 1 risk-based capital ratio | 9.0151% | 7,769 |
| Total risk-based capital ratio | 10.2653% | 7,762 |
| Memoranda: | ||
| Average total assets | $243,090,200 | 2,626 |
| Average earning assets | $225,408,400 | 2,592 |
| Average equity | $18,051,600 | 3,544 |
| Average total loans | $203,368,400 | 2,265 |