Home > Farmers State Bank of Hoffman > Performance and Condition Ratios
Farmers State Bank of Hoffman, 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 | 3.6350% | 4,328 |
| Cost of funding earning assets | 1.4785% | 1,994 |
| Net interest margin | 2.1565% | 4,343 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.8446% | 3,926 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.3376% | 3,976 |
| Return on assets (ROA) | 0.2517% | 4,101 |
| Pretax return on assets | 0.2418% | 4,149 |
| Return on Equity (ROE) | 3.1400% | 4,000 |
| Retained earnings to average equity (ytd only) | 1.7514% | 3,642 |
| Net charge-offs to loans | -0.0228% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.0308% | 660 |
| Assets per employee ($millions) | 5.8440% | 2,947 |
| Cash dividends to net income (ytd only)* | 44.1815% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,310 |
| Loan loss allowance to noncurrent loans | 459.1743% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 2,868 |
| Noncurrent loans to loans | 0.2607% | 2,250 |
| Net loans and leases to total assets | 37.2000% | 4,121 |
| Net loans and leases to deposits | 55.6460% | 3,729 |
| Net loans and leases to core deposits | 58.1019% | 3,833 |
| Total domestic deposits to total assets | 66.8500% | 4,361 |
| Equity capital to assets | 7.7817% | 3,556 |
| Core capital (leverage) ratio | 11.8054% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $201,403,000 | 2,982 |
| Average earning assets | $187,151,600 | 2,964 |
| Average equity | $16,158,800 | 3,168 |
| Average total loans | $79,088,400 | 3,422 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 4,269 |
| Cost of funding earning assets | 1.2218% | 2,362 |
| Net interest margin | 2.4209% | 4,208 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.8226% | 3,934 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4921% | 3,783 |
| Return on assets (ROA) | 0.4511% | 3,865 |
| Pretax return on assets | 0.5373% | 3,848 |
| Return on Equity (ROE) | 5.5600% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.3561% | 3,166 |
| Net charge-offs to loans | -0.0325% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.0699% | 1,263 |
| Assets per employee ($millions) | 6.3211% | 2,478 |
| Cash dividends to net income (ytd only)* | 21.6867% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 2,198 |
| Loan loss allowance to noncurrent loans | 382.4903% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,793 |
| Noncurrent loans to loans | 0.3224% | 2,076 |
| Net loans and leases to total assets | 35.5800% | 4,196 |
| Net loans and leases to deposits | 52.3786% | 3,863 |
| Net loans and leases to core deposits | 54.5615% | 3,906 |
| Total domestic deposits to total assets | 67.9300% | 4,371 |
| Equity capital to assets | 6.6096% | 3,791 |
| Core capital (leverage) ratio | 12.1749% | 1,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $196,273,250 | 3,020 |
| Average earning assets | $181,361,500 | 3,008 |
| Average equity | $15,916,000 | 3,180 |
| Average total loans | $77,957,500 | 3,443 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 4,464 |
| Cost of funding earning assets | 0.8280% | 3,138 |
| Net interest margin | 2.4655% | 4,245 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.9250% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4427% | 3,925 |
| Return on assets (ROA) | 0.3799% | 4,049 |
| Pretax return on assets | 0.4608% | 4,029 |
| Return on Equity (ROE) | 4.3700% | 3,972 |
| Retained earnings to average equity (ytd only) | 2.7895% | 3,538 |
| Net charge-offs to loans | -0.0439% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 78.1763% | 989 |
| Assets per employee ($millions) | 5.0109% | 3,593 |
| Cash dividends to net income (ytd only)* | 36.1345% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2168% | 2,366 |
| Loan loss allowance to noncurrent loans | 371.2062% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 2,582 |
| Noncurrent loans to loans | 0.3278% | 1,955 |
| Net loans and leases to total assets | 41.7700% | 3,976 |
| Net loans and leases to deposits | 49.7373% | 3,927 |
| Net loans and leases to core deposits | 51.7285% | 3,967 |
| Total domestic deposits to total assets | 83.9900% | 2,816 |
| Equity capital to assets | 8.8375% | 2,635 |
| Core capital (leverage) ratio | 14.0717% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $187,951,333 | 3,081 |
| Average earning assets | $172,946,333 | 3,082 |
| Average equity | $16,347,000 | 3,156 |
| Average total loans | $77,374,667 | 3,456 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2627% | 4,463 |
| Cost of funding earning assets | 0.8185% | 2,664 |
| Net interest margin | 2.4442% | 4,352 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.0018% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3720% | 4,132 |
| Return on assets (ROA) | 0.3720% | 4,085 |
| Pretax return on assets | 0.4481% | 4,058 |
| Return on Equity (ROE) | 4.3100% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.9441% | 3,284 |
| Net charge-offs to loans | 0.0468% | 893 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 1,405 |
| Efficiency ratio | 81.7084% | 721 |
| Assets per employee ($millions) | 5.3334% | 3,381 |
| Cash dividends to net income (ytd only)* | 8.5227% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,432 |
| Loan loss allowance to noncurrent loans | 187.4747% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 1,814 |
| Noncurrent loans to loans | 0.6526% | 1,155 |
| Net loans and leases to total assets | 40.1400% | 4,035 |
| Net loans and leases to deposits | 46.8641% | 4,004 |
| Net loans and leases to core deposits | 48.6851% | 4,031 |
| Total domestic deposits to total assets | 85.6500% | 2,690 |
| Equity capital to assets | 9.0411% | 2,485 |
| Core capital (leverage) ratio | 13.1463% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $189,225,500 | 3,111 |
| Average earning assets | $175,435,000 | 3,097 |
| Average equity | $16,328,000 | 3,192 |
| Average total loans | $76,859,500 | 3,503 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 4,210 |
| Cost of funding earning assets | 0.3760% | 2,287 |
| Net interest margin | 2.5551% | 4,225 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.8371% | 3,955 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.5156% | 4,066 |
| Return on assets (ROA) | 0.5156% | 4,019 |
| Pretax return on assets | 0.6371% | 3,964 |
| Return on Equity (ROE) | 5.3300% | 3,962 |
| Retained earnings to average equity (ytd only) | 4.3662% | 3,278 |
| Net charge-offs to loans | 0.0564% | 1,088 |
| Credit loss provision to net charge-offs | 589.7436% | 612 |
| Earnings coverage of net charge-offs (x) | 36.9744% | 1,554 |
| Efficiency ratio | 70.7920% | 1,587 |
| Assets per employee ($millions) | 5.3273% | 3,390 |
| Cash dividends to net income (ytd only)* | 18.0428% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 2,747 |
| Loan loss allowance to noncurrent loans | 174.0594% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 1,845 |
| Noncurrent loans to loans | 0.6485% | 1,147 |
| Net loans and leases to total assets | 40.1400% | 4,064 |
| Net loans and leases to deposits | 50.2598% | 3,887 |
| Net loans and leases to core deposits | 52.3016% | 3,900 |
| Total domestic deposits to total assets | 79.8700% | 3,897 |
| Equity capital to assets | 8.2276% | 2,914 |
| Core capital (leverage) ratio | 12.8363% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $190,246,400 | 3,098 |
| Average earning assets | $177,370,400 | 3,086 |
| Average equity | $18,414,200 | 3,087 |
| Average total loans | $69,143,800 | 3,592 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8021% | 4,196 |
| Cost of funding earning assets | 0.2623% | 2,575 |
| Net interest margin | 2.5398% | 4,178 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.8230% | 3,937 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.5702% | 3,910 |
| Return on assets (ROA) | 0.5702% | 3,863 |
| Pretax return on assets | 0.7135% | 3,775 |
| Return on Equity (ROE) | 5.6800% | 3,855 |
| Retained earnings to average equity (ytd only) | 4.9982% | 3,106 |
| Net charge-offs to loans | 0.0279% | 1,268 |
| Credit loss provision to net charge-offs | 621.4286% | 550 |
| Earnings coverage of net charge-offs (x) | 78.7857% | 1,054 |
| Efficiency ratio | 70.1811% | 1,737 |
| Assets per employee ($millions) | 5.3485% | 3,377 |
| Cash dividends to net income (ytd only)* | 11.9458% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,102 |
| Loan loss allowance to noncurrent loans | 131.6609% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 1,707 |
| Noncurrent loans to loans | 0.8208% | 969 |
| Net loans and leases to total assets | 37.2100% | 4,174 |
| Net loans and leases to deposits | 42.9132% | 4,152 |
| Net loans and leases to core deposits | 44.6851% | 4,156 |
| Total domestic deposits to total assets | 86.7200% | 2,849 |
| Equity capital to assets | 7.8249% | 3,007 |
| Core capital (leverage) ratio | 12.8401% | 951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $189,862,500 | 3,128 |
| Average earning assets | $177,386,250 | 3,106 |
| Average equity | $19,073,000 | 3,073 |
| Average total loans | $66,962,750 | 3,647 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7165% | 4,116 |
| Cost of funding earning assets | 0.2517% | 2,241 |
| Net interest margin | 2.4647% | 4,141 |
| Noninterest income to average assets | 0.2317% | 3,793 |
| Noninterest expense to average assets | 1.8359% | 3,871 |
| Loan and lease loss provision to assets | 0.0912% | 1,087 |
| Net operating income to assets | 0.5022% | 3,887 |
| Return on assets (ROA) | 0.5022% | 3,841 |
| Pretax return on assets | 0.6144% | 3,786 |
| Return on Equity (ROE) | 4.6623% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.6623% | 2,830 |
| Net charge-offs to loans | 0.0456% | 937 |
| Credit loss provision to net charge-offs | 580.0000% | 587 |
| Earnings coverage of net charge-offs (x) | 44.8667% | 1,204 |
| Efficiency ratio | 72.2360% | 1,714 |
| Assets per employee ($millions) | 5.1821% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,116 |
| Loan loss allowance to noncurrent loans | 114.7813% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 1,621 |
| Noncurrent loans to loans | 0.9694% | 860 |
| Net loans and leases to total assets | 35.2718% | 4,282 |
| Net loans and leases to deposits | 40.4916% | 4,251 |
| Net loans and leases to core deposits | 42.1134% | 4,260 |
| Total domestic deposits to total assets | 87.1089% | 2,898 |
| Equity capital to assets | 9.1401% | 2,291 |
| Core capital (leverage) ratio | 12.7122% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,751,000 | 3,157 |
| Average earning assets | $178,761,000 | 3,141 |
| Average equity | $20,548,000 | 3,011 |
| Average total loans | $65,809,667 | 3,697 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5447% | 4,209 |
| Cost of funding earning assets | 0.2502% | 2,161 |
| Net interest margin | 2.2945% | 4,247 |
| Noninterest income to average assets | 0.2775% | 3,478 |
| Noninterest expense to average assets | 1.8964% | 3,692 |
| Loan and lease loss provision to assets | 0.1829% | 415 |
| Net operating income to assets | 0.3301% | 4,086 |
| Return on assets (ROA) | 0.3301% | 4,056 |
| Pretax return on assets | 0.3574% | 4,105 |
| Return on Equity (ROE) | 2.8468% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.8468% | 3,316 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8257% | 1,329 |
| Assets per employee ($millions) | 5.5160% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,859 |
| Loan loss allowance to noncurrent loans | 141.0909% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 1,982 |
| Noncurrent loans to loans | 0.8507% | 1,099 |
| Net loans and leases to total assets | 33.0882% | 4,337 |
| Net loans and leases to deposits | 38.4354% | 4,308 |
| Net loans and leases to core deposits | 40.0464% | 4,311 |
| Total domestic deposits to total assets | 86.0877% | 3,227 |
| Equity capital to assets | 10.2232% | 1,741 |
| Core capital (leverage) ratio | 12.9655% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $190,258,000 | 3,170 |
| Average earning assets | $179,038,000 | 3,150 |
| Average equity | $22,059,500 | 2,982 |
| Average total loans | $64,519,500 | 3,727 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7053% | 4,308 |
| Cost of funding earning assets | 0.2668% | 2,733 |
| Net interest margin | 2.4385% | 4,268 |
| Noninterest income to average assets | 0.2913% | 3,653 |
| Noninterest expense to average assets | 1.9388% | 3,841 |
| Loan and lease loss provision to assets | 0.0098% | 2,887 |
| Net operating income to assets | 0.5187% | 4,041 |
| Return on assets (ROA) | 0.5213% | 4,082 |
| Pretax return on assets | 0.6466% | 4,041 |
| Return on Equity (ROE) | 3.8503% | 4,242 |
| Retained earnings to average equity (ytd only) | 1.8470% | 4,025 |
| Net charge-offs to loans | 0.0260% | 1,725 |
| Credit loss provision to net charge-offs | 105.8824% | 1,739 |
| Earnings coverage of net charge-offs (x) | 70.8235% | 1,065 |
| Efficiency ratio | 74.8012% | 1,230 |
| Assets per employee ($millions) | 5.3559% | 3,410 |
| Cash dividends to net income (ytd only)* | 52.0291% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,483 |
| Loan loss allowance to noncurrent loans | 215.0000% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 2,740 |
| Noncurrent loans to loans | 0.4970% | 1,882 |
| Net loans and leases to total assets | 33.9786% | 4,378 |
| Net loans and leases to deposits | 42.0160% | 4,272 |
| Net loans and leases to core deposits | 43.8870% | 4,271 |
| Total domestic deposits to total assets | 80.8707% | 4,118 |
| Equity capital to assets | 13.0068% | 895 |
| Core capital (leverage) ratio | 13.3787% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,343,400 | 3,174 |
| Average earning assets | $173,920,000 | 3,140 |
| Average equity | $24,958,800 | 2,852 |
| Average total loans | $65,336,600 | 3,735 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7778% | 4,325 |
| Cost of funding earning assets | 0.2710% | 2,883 |
| Net interest margin | 2.5068% | 4,263 |
| Noninterest income to average assets | 0.3058% | 3,602 |
| Noninterest expense to average assets | 1.9408% | 3,835 |
| Loan and lease loss provision to assets | 0.0131% | 2,732 |
| Net operating income to assets | 0.5682% | 4,066 |
| Return on assets (ROA) | 0.5716% | 4,105 |
| Pretax return on assets | 0.7213% | 4,029 |
| Return on Equity (ROE) | 4.1800% | 4,276 |
| Retained earnings to average equity (ytd only) | 1.9227% | 4,209 |
| Net charge-offs to loans | 0.0224% | 1,602 |
| Credit loss provision to net charge-offs | 163.6364% | 1,308 |
| Earnings coverage of net charge-offs (x) | 91.3636% | 917 |
| Efficiency ratio | 72.6679% | 1,344 |
| Assets per employee ($millions) | 5.3413% | 3,362 |
| Cash dividends to net income (ytd only)* | 54.0025% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,575 |
| Loan loss allowance to noncurrent loans | 201.7442% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 2,882 |
| Noncurrent loans to loans | 0.5306% | 1,981 |
| Net loans and leases to total assets | 34.3063% | 4,453 |
| Net loans and leases to deposits | 42.4703% | 4,368 |
| Net loans and leases to core deposits | 43.8601% | 4,386 |
| Total domestic deposits to total assets | 80.7772% | 4,121 |
| Equity capital to assets | 13.3398% | 891 |
| Core capital (leverage) ratio | 13.2329% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $183,565,250 | 3,218 |
| Average earning assets | $173,181,250 | 3,188 |
| Average equity | $25,103,000 | 2,878 |
| Average total loans | $65,575,000 | 3,787 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9138% | 4,204 |
| Cost of funding earning assets | 0.2765% | 3,027 |
| Net interest margin | 2.6373% | 4,106 |
| Noninterest income to average assets | 0.2664% | 3,806 |
| Noninterest expense to average assets | 1.9239% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6479% | 3,877 |
| Return on assets (ROA) | 0.6479% | 3,938 |
| Pretax return on assets | 0.8310% | 3,802 |
| Return on Equity (ROE) | 4.6983% | 4,191 |
| Retained earnings to average equity (ytd only) | 1.3197% | 4,275 |
| Net charge-offs to loans | -0.0152% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8368% | 1,664 |
| Assets per employee ($millions) | 5.2973% | 3,354 |
| Cash dividends to net income (ytd only)* | 71.9120% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,665 |
| Loan loss allowance to noncurrent loans | 204.7337% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 3,080 |
| Noncurrent loans to loans | 0.5091% | 2,150 |
| Net loans and leases to total assets | 34.4496% | 4,525 |
| Net loans and leases to deposits | 42.4972% | 4,447 |
| Net loans and leases to core deposits | 43.6507% | 4,469 |
| Total domestic deposits to total assets | 81.0631% | 4,082 |
| Equity capital to assets | 13.0916% | 919 |
| Core capital (leverage) ratio | 13.0638% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,438,667 | 3,234 |
| Average earning assets | $172,146,667 | 3,196 |
| Average equity | $25,158,000 | 2,868 |
| Average total loans | $65,824,000 | 3,798 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9246% | 4,223 |
| Cost of funding earning assets | 0.2858% | 3,139 |
| Net interest margin | 2.6388% | 4,079 |
| Noninterest income to average assets | 0.3141% | 3,525 |
| Noninterest expense to average assets | 1.9113% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6887% | 3,735 |
| Return on assets (ROA) | 0.6887% | 3,804 |
| Pretax return on assets | 0.8884% | 3,631 |
| Return on Equity (ROE) | 4.8626% | 4,115 |
| Retained earnings to average equity (ytd only) | 0.8236% | 4,248 |
| Net charge-offs to loans | -0.0122% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2692% | 1,898 |
| Assets per employee ($millions) | 5.7939% | 2,809 |
| Cash dividends to net income (ytd only)* | 83.0619% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,664 |
| Loan loss allowance to noncurrent loans | 203.8462% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 3,260 |
| Noncurrent loans to loans | 0.5137% | 2,315 |
| Net loans and leases to total assets | 35.1193% | 4,545 |
| Net loans and leases to deposits | 42.3913% | 4,478 |
| Net loans and leases to core deposits | 43.6253% | 4,510 |
| Total domestic deposits to total assets | 82.8457% | 3,726 |
| Equity capital to assets | 13.4640% | 794 |
| Core capital (leverage) ratio | 13.6786% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,307,000 | 3,257 |
| Average earning assets | $167,952,500 | 3,232 |
| Average equity | $25,254,000 | 2,854 |
| Average total loans | $65,542,000 | 3,821 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1709% | 4,488 |
| Cost of funding earning assets | 0.3890% | 3,655 |
| Net interest margin | 2.7819% | 4,287 |
| Noninterest income to average assets | 0.3279% | 3,493 |
| Noninterest expense to average assets | 2.1522% | 3,812 |
| Loan and lease loss provision to assets | 0.0094% | 4,241 |
| Net operating income to assets | 0.6038% | 3,744 |
| Return on assets (ROA) | 0.6260% | 3,786 |
| Pretax return on assets | 0.7893% | 3,650 |
| Return on Equity (ROE) | 4.0218% | 4,151 |
| Retained earnings to average equity (ytd only) | 3.0084% | 3,347 |
| Net charge-offs to loans | 0.0379% | 2,299 |
| Credit loss provision to net charge-offs | 60.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 49.4400% | 1,212 |
| Efficiency ratio | 73.6348% | 1,492 |
| Assets per employee ($millions) | 5.3503% | 2,999 |
| Cash dividends to net income (ytd only)* | 25.1992% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,677 |
| Loan loss allowance to noncurrent loans | 203.2544% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,295 |
| Noncurrent loans to loans | 0.5178% | 2,421 |
| Net loans and leases to total assets | 37.7287% | 4,535 |
| Net loans and leases to deposits | 46.2785% | 4,452 |
| Net loans and leases to core deposits | 47.6730% | 4,497 |
| Total domestic deposits to total assets | 81.5255% | 3,758 |
| Equity capital to assets | 14.9204% | 585 |
| Core capital (leverage) ratio | 14.5591% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,396,000 | 3,280 |
| Average earning assets | $149,611,200 | 3,269 |
| Average equity | $24,963,800 | 2,805 |
| Average total loans | $65,926,800 | 3,813 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 4,534 |
| Cost of funding earning assets | 0.4175% | 3,718 |
| Net interest margin | 2.8343% | 4,284 |
| Noninterest income to average assets | 0.3196% | 3,573 |
| Noninterest expense to average assets | 2.1552% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6434% | 3,648 |
| Return on assets (ROA) | 0.6739% | 3,662 |
| Pretax return on assets | 0.8430% | 3,534 |
| Return on Equity (ROE) | 4.2816% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.3254% | 3,384 |
| Net charge-offs to loans | 0.0545% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 35.2593% | 1,458 |
| Efficiency ratio | 72.8078% | 1,545 |
| Assets per employee ($millions) | 5.1025% | 3,110 |
| Cash dividends to net income (ytd only)* | 22.3338% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 3,760 |
| Loan loss allowance to noncurrent loans | 177.2487% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,289 |
| Noncurrent loans to loans | 0.5560% | 2,403 |
| Net loans and leases to total assets | 41.2245% | 4,525 |
| Net loans and leases to deposits | 51.1315% | 4,443 |
| Net loans and leases to core deposits | 52.3528% | 4,513 |
| Total domestic deposits to total assets | 80.6246% | 3,747 |
| Equity capital to assets | 15.6352% | 520 |
| Core capital (leverage) ratio | 14.9332% | 555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,692,750 | 3,293 |
| Average earning assets | $146,911,250 | 3,277 |
| Average equity | $24,818,500 | 2,804 |
| Average total loans | $66,088,000 | 3,827 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 4,517 |
| Cost of funding earning assets | 0.4574% | 3,758 |
| Net interest margin | 2.9656% | 4,199 |
| Noninterest income to average assets | 0.2888% | 3,733 |
| Noninterest expense to average assets | 2.2075% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6295% | 3,641 |
| Return on assets (ROA) | 0.6751% | 3,587 |
| Pretax return on assets | 0.8933% | 3,329 |
| Return on Equity (ROE) | 4.2796% | 4,028 |
| Retained earnings to average equity (ytd only) | 3.1731% | 3,313 |
| Net charge-offs to loans | -0.0183% | 4,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5432% | 1,618 |
| Assets per employee ($millions) | 4.5364% | 3,737 |
| Cash dividends to net income (ytd only)* | 25.8555% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,350 |
| Loan loss allowance to noncurrent loans | 185.4881% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 3,311 |
| Noncurrent loans to loans | 0.5628% | 2,476 |
| Net loans and leases to total assets | 40.8074% | 4,578 |
| Net loans and leases to deposits | 50.8822% | 4,497 |
| Net loans and leases to core deposits | 52.7297% | 4,536 |
| Total domestic deposits to total assets | 80.1997% | 3,792 |
| Equity capital to assets | 15.4980% | 538 |
| Core capital (leverage) ratio | 14.9950% | 575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,830,667 | 3,295 |
| Average earning assets | $144,726,667 | 3,283 |
| Average equity | $24,581,667 | 2,809 |
| Average total loans | $65,457,000 | 3,845 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6745% | 4,436 |
| Cost of funding earning assets | 0.5123% | 3,881 |
| Net interest margin | 3.1622% | 3,950 |
| Noninterest income to average assets | 0.3156% | 3,627 |
| Noninterest expense to average assets | 2.3565% | 3,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6444% | 3,462 |
| Return on assets (ROA) | 0.6444% | 3,524 |
| Pretax return on assets | 0.8811% | 3,189 |
| Return on Equity (ROE) | 4.0467% | 3,937 |
| Retained earnings to average equity (ytd only) | 4.0467% | 2,663 |
| Net charge-offs to loans | -0.0186% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7864% | 1,965 |
| Assets per employee ($millions) | 4.3755% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,224 |
| Loan loss allowance to noncurrent loans | 178.5714% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 3,354 |
| Noncurrent loans to loans | 0.6144% | 2,451 |
| Net loans and leases to total assets | 41.2016% | 4,621 |
| Net loans and leases to deposits | 49.9877% | 4,591 |
| Net loans and leases to core deposits | 52.7637% | 4,610 |
| Total domestic deposits to total assets | 82.4235% | 3,287 |
| Equity capital to assets | 15.8892% | 603 |
| Core capital (leverage) ratio | 15.6274% | 571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $152,090,500 | 3,303 |
| Average earning assets | $140,536,500 | 3,302 |
| Average equity | $24,217,500 | 2,833 |
| Average total loans | $64,512,500 | 3,874 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6310% | 4,742 |
| Cost of funding earning assets | 0.4689% | 4,206 |
| Net interest margin | 3.1621% | 4,265 |
| Noninterest income to average assets | 0.3851% | 3,384 |
| Noninterest expense to average assets | 2.4467% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6815% | 3,922 |
| Return on assets (ROA) | 0.6729% | 4,015 |
| Pretax return on assets | 0.8366% | 3,903 |
| Return on Equity (ROE) | 4.2726% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.1565% | 3,444 |
| Net charge-offs to loans | -0.0046% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2770% | 1,577 |
| Assets per employee ($millions) | 4.4423% | 3,314 |
| Cash dividends to net income (ytd only)* | 26.1216% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,115 |
| Loan loss allowance to noncurrent loans | 161.7169% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3046% | 3,212 |
| Noncurrent loans to loans | 0.6608% | 2,234 |
| Net loans and leases to total assets | 42.7247% | 4,653 |
| Net loans and leases to deposits | 51.7096% | 4,612 |
| Net loans and leases to core deposits | 55.3188% | 4,616 |
| Total domestic deposits to total assets | 82.6244% | 3,326 |
| Equity capital to assets | 15.9575% | 612 |
| Core capital (leverage) ratio | 15.7706% | 554 |
| Tier 1 risk-based capital ratio | 30.4049% | 462 |
| Total risk-based capital ratio | 31.3411% | 465 |
| Memoranda: | ||
| Average total assets | $149,057,800 | 3,312 |
| Average earning assets | $137,123,800 | 3,323 |
| Average equity | $23,475,200 | 2,838 |
| Average total loans | $65,317,600 | 3,877 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6292% | 4,858 |
| Cost of funding earning assets | 0.4499% | 4,328 |
| Net interest margin | 3.1793% | 4,346 |
| Noninterest income to average assets | 0.3733% | 3,479 |
| Noninterest expense to average assets | 2.3532% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7459% | 3,862 |
| Return on assets (ROA) | 0.7395% | 3,946 |
| Pretax return on assets | 0.9361% | 3,775 |
| Return on Equity (ROE) | 4.7115% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.6994% | 3,545 |
| Net charge-offs to loans | -0.0061% | 4,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3664% | 1,916 |
| Assets per employee ($millions) | 4.4744% | 3,252 |
| Cash dividends to net income (ytd only)* | 21.4802% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 3,254 |
| Loan loss allowance to noncurrent loans | 147.0464% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 3,124 |
| Noncurrent loans to loans | 0.7175% | 2,170 |
| Net loans and leases to total assets | 42.9684% | 4,722 |
| Net loans and leases to deposits | 51.9499% | 4,708 |
| Net loans and leases to core deposits | 55.5256% | 4,702 |
| Total domestic deposits to total assets | 82.7113% | 3,246 |
| Equity capital to assets | 15.8669% | 662 |
| Core capital (leverage) ratio | 15.6893% | 606 |
| Tier 1 risk-based capital ratio | 29.8784% | 489 |
| Total risk-based capital ratio | 30.8016% | 490 |
| Memoranda: | ||
| Average total assets | $148,562,500 | 3,353 |
| Average earning assets | $136,628,750 | 3,365 |
| Average equity | $23,318,500 | 2,867 |
| Average total loans | $65,340,000 | 3,924 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 4,893 |
| Cost of funding earning assets | 0.4221% | 4,424 |
| Net interest margin | 3.2205% | 4,315 |
| Noninterest income to average assets | 0.3461% | 3,619 |
| Noninterest expense to average assets | 2.3695% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7438% | 3,858 |
| Return on assets (ROA) | 0.7342% | 3,943 |
| Pretax return on assets | 0.9255% | 3,773 |
| Return on Equity (ROE) | 4.6951% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.4193% | 3,531 |
| Net charge-offs to loans | -0.0092% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6455% | 1,973 |
| Assets per employee ($millions) | 3.8546% | 4,054 |
| Cash dividends to net income (ytd only)* | 27.1719% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,169 |
| Loan loss allowance to noncurrent loans | 159.1324% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,228 |
| Noncurrent loans to loans | 0.6792% | 2,275 |
| Net loans and leases to total assets | 42.4312% | 4,767 |
| Net loans and leases to deposits | 51.2889% | 4,767 |
| Net loans and leases to core deposits | 53.9216% | 4,782 |
| Total domestic deposits to total assets | 82.7298% | 3,295 |
| Equity capital to assets | 15.7888% | 655 |
| Core capital (leverage) ratio | 15.5463% | 613 |
| Tier 1 risk-based capital ratio | 30.2377% | 475 |
| Total risk-based capital ratio | 31.1821% | 478 |
| Memoranda: | ||
| Average total assets | $147,374,000 | 3,384 |
| Average earning assets | $135,506,330 | 3,401 |
| Average equity | $23,045,330 | 2,878 |
| Average total loans | $65,098,670 | 3,949 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 4,949 |
| Cost of funding earning assets | 0.3797% | 4,575 |
| Net interest margin | 3.2380% | 4,309 |
| Noninterest income to average assets | 0.3208% | 3,713 |
| Noninterest expense to average assets | 2.3770% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7304% | 3,848 |
| Return on assets (ROA) | 0.7238% | 3,911 |
| Pretax return on assets | 0.9047% | 3,753 |
| Return on Equity (ROE) | 4.6519% | 4,426 |
| Retained earnings to average equity (ytd only) | 4.6519% | 3,061 |
| Net charge-offs to loans | -0.0122% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2500% | 1,998 |
| Assets per employee ($millions) | 3.9961% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0796% | 3,241 |
| Loan loss allowance to noncurrent loans | 158.5421% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,271 |
| Noncurrent loans to loans | 0.6810% | 2,313 |
| Net loans and leases to total assets | 43.1308% | 4,781 |
| Net loans and leases to deposits | 52.0478% | 4,755 |
| Net loans and leases to core deposits | 54.5896% | 4,762 |
| Total domestic deposits to total assets | 82.8677% | 3,431 |
| Equity capital to assets | 15.6329% | 629 |
| Core capital (leverage) ratio | 15.7986% | 561 |
| Tier 1 risk-based capital ratio | 30.0810% | 473 |
| Total risk-based capital ratio | 31.0244% | 475 |
| Memoranda: | ||
| Average total assets | $145,897,000 | 3,434 |
| Average earning assets | $133,786,000 | 3,459 |
| Average equity | $22,700,500 | 2,914 |
| Average total loans | $65,406,500 | 3,979 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,696 |
| Cost of funding earning assets | 0.2993% | 4,572 |
| Net interest margin | 3.3792% | 4,055 |
| Noninterest income to average assets | 0.4138% | 3,357 |
| Noninterest expense to average assets | 2.3566% | 3,980 |
| Loan and lease loss provision to assets | 0.0082% | 3,963 |
| Net operating income to assets | 0.8998% | 3,437 |
| Return on assets (ROA) | 0.8944% | 3,449 |
| Pretax return on assets | 1.1357% | 3,152 |
| Return on Equity (ROE) | 6.0902% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.2361% | 2,636 |
| Net charge-offs to loans | 0.0461% | 2,514 |
| Credit loss provision to net charge-offs | 40.0000% | 3,283 |
| Earnings coverage of net charge-offs (x) | 56.2667% | 1,066 |
| Efficiency ratio | 67.1914% | 2,678 |
| Assets per employee ($millions) | 3.7879% | 4,199 |
| Cash dividends to net income (ytd only)* | 14.0244% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,410 |
| Loan loss allowance to noncurrent loans | 1,927.7778% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 4,530 |
| Noncurrent loans to loans | 0.0543% | 4,507 |
| Net loans and leases to total assets | 45.6110% | 4,754 |
| Net loans and leases to deposits | 55.2701% | 4,694 |
| Net loans and leases to core deposits | 57.2365% | 4,733 |
| Total domestic deposits to total assets | 82.5238% | 3,474 |
| Equity capital to assets | 15.4836% | 620 |
| Core capital (leverage) ratio | 15.7364% | 561 |
| Tier 1 risk-based capital ratio | 29.0325% | 509 |
| Total risk-based capital ratio | 29.9520% | 522 |
| Memoranda: | ||
| Average total assets | $146,696,000 | 3,421 |
| Average earning assets | $134,293,400 | 3,437 |
| Average equity | $21,542,800 | 2,935 |
| Average total loans | $65,142,600 | 3,983 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,692 |
| Cost of funding earning assets | 0.2854% | 4,609 |
| Net interest margin | 3.3912% | 4,028 |
| Noninterest income to average assets | 0.4243% | 3,330 |
| Noninterest expense to average assets | 2.3168% | 4,059 |
| Loan and lease loss provision to assets | 0.0109% | 3,781 |
| Net operating income to assets | 0.9443% | 3,327 |
| Return on assets (ROA) | 0.9372% | 3,366 |
| Pretax return on assets | 1.1941% | 3,006 |
| Return on Equity (ROE) | 6.4677% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8434% | 2,737 |
| Net charge-offs to loans | 0.0576% | 1,994 |
| Credit loss provision to net charge-offs | 42.8571% | 2,884 |
| Earnings coverage of net charge-offs (x) | 47.9317% | 1,200 |
| Efficiency ratio | 65.6162% | 2,938 |
| Assets per employee ($millions) | 4.0707% | 3,781 |
| Cash dividends to net income (ytd only)* | 9.6525% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 3,466 |
| Loan loss allowance to noncurrent loans | 800.0000% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,679 |
| Noncurrent loans to loans | 0.1312% | 4,292 |
| Net loans and leases to total assets | 44.7914% | 4,850 |
| Net loans and leases to deposits | 54.6044% | 4,802 |
| Net loans and leases to core deposits | 56.5180% | 4,833 |
| Total domestic deposits to total assets | 82.0289% | 3,600 |
| Equity capital to assets | 14.6971% | 781 |
| Core capital (leverage) ratio | 15.3514% | 622 |
| Tier 1 risk-based capital ratio | 28.3911% | 547 |
| Total risk-based capital ratio | 29.3073% | 556 |
| Memoranda: | ||
| Average total assets | $147,385,250 | 3,452 |
| Average earning assets | $135,011,500 | 3,462 |
| Average equity | $21,356,750 | 2,967 |
| Average total loans | $64,841,750 | 4,025 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 4,899 |
| Cost of funding earning assets | 0.2765% | 4,587 |
| Net interest margin | 3.2396% | 4,408 |
| Noninterest income to average assets | 0.4158% | 3,382 |
| Noninterest expense to average assets | 2.3147% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8506% | 3,673 |
| Return on assets (ROA) | 0.8397% | 3,719 |
| Pretax return on assets | 1.0551% | 3,494 |
| Return on Equity (ROE) | 5.8226% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.0056% | 3,073 |
| Net charge-offs to loans | -0.0062% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4147% | 2,576 |
| Assets per employee ($millions) | 3.9935% | 3,912 |
| Cash dividends to net income (ytd only)* | 14.0323% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,337 |
| Loan loss allowance to noncurrent loans | 673.5849% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 4,529 |
| Noncurrent loans to loans | 0.1615% | 4,182 |
| Net loans and leases to total assets | 43.9455% | 4,906 |
| Net loans and leases to deposits | 52.2587% | 4,904 |
| Net loans and leases to core deposits | 53.9114% | 4,940 |
| Total domestic deposits to total assets | 84.0922% | 3,032 |
| Equity capital to assets | 14.4425% | 820 |
| Core capital (leverage) ratio | 14.9799% | 675 |
| Tier 1 risk-based capital ratio | 27.8947% | 562 |
| Total risk-based capital ratio | 28.8358% | 572 |
| Memoranda: | ||
| Average total assets | $147,665,000 | 3,469 |
| Average earning assets | $135,264,000 | 3,483 |
| Average equity | $21,296,330 | 2,988 |
| Average total loans | $64,343,670 | 4,063 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4369% | 4,970 |
| Cost of funding earning assets | 0.2716% | 4,568 |
| Net interest margin | 3.1653% | 4,563 |
| Noninterest income to average assets | 0.3983% | 3,483 |
| Noninterest expense to average assets | 2.3222% | 4,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7869% | 3,767 |
| Return on assets (ROA) | 0.7696% | 3,832 |
| Pretax return on assets | 0.9592% | 3,670 |
| Return on Equity (ROE) | 5.3397% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3397% | 3,019 |
| Net charge-offs to loans | -0.0377% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3035% | 2,438 |
| Assets per employee ($millions) | 4.0588% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1525% | 3,075 |
| Loan loss allowance to noncurrent loans | 646.8468% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,286 |
| Noncurrent loans to loans | 0.1782% | 4,167 |
| Net loans and leases to total assets | 42.1450% | 4,976 |
| Net loans and leases to deposits | 50.1360% | 4,953 |
| Net loans and leases to core deposits | 51.7374% | 4,990 |
| Total domestic deposits to total assets | 84.0614% | 3,301 |
| Equity capital to assets | 14.4720% | 779 |
| Core capital (leverage) ratio | 15.0613% | 649 |
| Tier 1 risk-based capital ratio | 27.7530% | 572 |
| Total risk-based capital ratio | 28.7064% | 578 |
| Memoranda: | ||
| Average total assets | $147,618,500 | 3,500 |
| Average earning assets | $135,469,500 | 3,515 |
| Average equity | $21,274,500 | 3,022 |
| Average total loans | $63,692,000 | 4,110 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4163% | 4,919 |
| Cost of funding earning assets | 0.2789% | 4,322 |
| Net interest margin | 3.1373% | 4,610 |
| Noninterest income to average assets | 0.4102% | 3,567 |
| Noninterest expense to average assets | 2.3296% | 4,257 |
| Loan and lease loss provision to assets | 0.0756% | 2,682 |
| Net operating income to assets | 0.4825% | 4,416 |
| Return on assets (ROA) | 0.4742% | 4,480 |
| Pretax return on assets | 0.8735% | 3,998 |
| Return on Equity (ROE) | 3.2392% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.0617% | 4,084 |
| Net charge-offs to loans | 0.0689% | 2,470 |
| Credit loss provision to net charge-offs | 252.2727% | 1,093 |
| Earnings coverage of net charge-offs (x) | 32.0909% | 1,479 |
| Efficiency ratio | 70.7721% | 2,431 |
| Assets per employee ($millions) | 3.8236% | 4,245 |
| Cash dividends to net income (ytd only)* | 36.3506% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 3,388 |
| Loan loss allowance to noncurrent loans | 285.9438% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 4,239 |
| Noncurrent loans to loans | 0.3826% | 3,383 |
| Net loans and leases to total assets | 43.1686% | 5,022 |
| Net loans and leases to deposits | 51.2312% | 5,016 |
| Net loans and leases to core deposits | 52.6706% | 5,055 |
| Total domestic deposits to total assets | 84.2623% | 3,103 |
| Equity capital to assets | 14.3529% | 819 |
| Core capital (leverage) ratio | 14.8216% | 655 |
| Tier 1 risk-based capital ratio | 26.7382% | 608 |
| Total risk-based capital ratio | 27.6625% | 621 |
| Memoranda: | ||
| Average total assets | $146,761,800 | 3,511 |
| Average earning assets | $134,796,200 | 3,532 |
| Average equity | $21,486,800 | 2,995 |
| Average total loans | $63,902,200 | 4,100 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 4,955 |
| Cost of funding earning assets | 0.2810% | 4,305 |
| Net interest margin | 3.1283% | 4,627 |
| Noninterest income to average assets | 0.4150% | 3,591 |
| Noninterest expense to average assets | 2.2749% | 4,362 |
| Loan and lease loss provision to assets | 0.1013% | 2,093 |
| Net operating income to assets | 0.6807% | 4,075 |
| Return on assets (ROA) | 0.6677% | 4,188 |
| Pretax return on assets | 0.8957% | 4,055 |
| Return on Equity (ROE) | 4.5378% | 4,698 |
| Retained earnings to average equity (ytd only) | 3.4839% | 3,847 |
| Net charge-offs to loans | 0.0922% | 1,864 |
| Credit loss provision to net charge-offs | 252.2727% | 1,125 |
| Earnings coverage of net charge-offs (x) | 25.2707% | 1,735 |
| Efficiency ratio | 69.1625% | 2,679 |
| Assets per employee ($millions) | 3.9264% | 4,108 |
| Cash dividends to net income (ytd only)* | 23.2238% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 3,456 |
| Loan loss allowance to noncurrent loans | 250.7042% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 4,320 |
| Noncurrent loans to loans | 0.4406% | 3,385 |
| Net loans and leases to total assets | 43.8759% | 5,035 |
| Net loans and leases to deposits | 54.8427% | 4,925 |
| Net loans and leases to core deposits | 55.7492% | 5,007 |
| Total domestic deposits to total assets | 80.0032% | 4,312 |
| Equity capital to assets | 15.1420% | 703 |
| Core capital (leverage) ratio | 14.8259% | 696 |
| Tier 1 risk-based capital ratio | 26.8204% | 627 |
| Total risk-based capital ratio | 27.7413% | 631 |
| Memoranda: | ||
| Average total assets | $146,172,250 | 3,548 |
| Average earning assets | $134,299,250 | 3,572 |
| Average equity | $21,507,750 | 3,020 |
| Average total loans | $63,606,500 | 4,145 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3661% | 5,007 |
| Cost of funding earning assets | 0.2751% | 4,335 |
| Net interest margin | 3.0911% | 4,710 |
| Noninterest income to average assets | 0.3905% | 3,746 |
| Noninterest expense to average assets | 2.3035% | 4,337 |
| Loan and lease loss provision to assets | 0.1092% | 1,868 |
| Net operating income to assets | 0.6050% | 4,280 |
| Return on assets (ROA) | 0.5858% | 4,419 |
| Pretax return on assets | 0.7906% | 4,306 |
| Return on Equity (ROE) | 4.0198% | 4,824 |
| Retained earnings to average equity (ytd only) | 2.5581% | 4,158 |
| Net charge-offs to loans | 0.0853% | 1,759 |
| Credit loss provision to net charge-offs | 296.2963% | 966 |
| Earnings coverage of net charge-offs (x) | 25.1111% | 1,616 |
| Efficiency ratio | 71.3319% | 2,465 |
| Assets per employee ($millions) | 3.9600% | 4,020 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,604 |
| Loan loss allowance to noncurrent loans | 256.6176% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,433 |
| Noncurrent loans to loans | 0.4270% | 3,483 |
| Net loans and leases to total assets | 42.9982% | 5,098 |
| Net loans and leases to deposits | 53.0195% | 5,015 |
| Net loans and leases to core deposits | 53.8760% | 5,096 |
| Total domestic deposits to total assets | 81.0988% | 4,160 |
| Equity capital to assets | 14.8458% | 727 |
| Core capital (leverage) ratio | 14.5481% | 733 |
| Tier 1 risk-based capital ratio | 26.6883% | 626 |
| Total risk-based capital ratio | 27.5996% | 630 |
| Memoranda: | ||
| Average total assets | $146,470,330 | 3,565 |
| Average earning assets | $134,516,330 | 3,581 |
| Average equity | $21,344,330 | 3,041 |
| Average total loans | $63,324,000 | 4,163 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 5,033 |
| Cost of funding earning assets | 0.2623% | 4,432 |
| Net interest margin | 3.0856% | 4,696 |
| Noninterest income to average assets | 0.3769% | 3,830 |
| Noninterest expense to average assets | 2.3299% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6555% | 3,910 |
| Return on assets (ROA) | 0.6555% | 3,947 |
| Pretax return on assets | 0.8740% | 3,853 |
| Return on Equity (ROE) | 4.5410% | 4,588 |
| Retained earnings to average equity (ytd only) | 4.5410% | 3,154 |
| Net charge-offs to loans | 0.1140% | 1,256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.7778% | 1,588 |
| Efficiency ratio | 72.7195% | 2,453 |
| Assets per employee ($millions) | 4.0029% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,299 |
| Loan loss allowance to noncurrent loans | 182.7988% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,230 |
| Noncurrent loans to loans | 0.5463% | 3,177 |
| Net loans and leases to total assets | 41.9713% | 5,164 |
| Net loans and leases to deposits | 50.3666% | 5,113 |
| Net loans and leases to core deposits | 52.0097% | 5,140 |
| Total domestic deposits to total assets | 83.3315% | 3,726 |
| Equity capital to assets | 14.4457% | 775 |
| Core capital (leverage) ratio | 14.7145% | 664 |
| Tier 1 risk-based capital ratio | 26.6091% | 652 |
| Total risk-based capital ratio | 27.4317% | 665 |
| Memoranda: | ||
| Average total assets | $146,445,500 | 3,598 |
| Average earning assets | $134,172,000 | 3,622 |
| Average equity | $21,140,500 | 3,072 |
| Average total loans | $63,136,500 | 4,203 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 4,991 |
| Cost of funding earning assets | 0.2800% | 4,255 |
| Net interest margin | 3.1156% | 4,686 |
| Noninterest income to average assets | 0.4512% | 3,536 |
| Noninterest expense to average assets | 2.2714% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8459% | 3,081 |
| Return on assets (ROA) | 0.8700% | 3,091 |
| Pretax return on assets | 1.0773% | 3,191 |
| Return on Equity (ROE) | 5.9518% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.9590% | 2,374 |
| Net charge-offs to loans | 0.0621% | 2,821 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 39.8947% | 1,181 |
| Efficiency ratio | 68.2907% | 3,189 |
| Assets per employee ($millions) | 3.8101% | 4,292 |
| Cash dividends to net income (ytd only)* | 16.6799% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,219 |
| Loan loss allowance to noncurrent loans | 281.6594% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 4,624 |
| Noncurrent loans to loans | 0.3607% | 3,837 |
| Net loans and leases to total assets | 43.4016% | 5,154 |
| Net loans and leases to deposits | 52.7988% | 5,075 |
| Net loans and leases to core deposits | 54.5852% | 5,119 |
| Total domestic deposits to total assets | 82.2019% | 4,013 |
| Equity capital to assets | 14.4255% | 754 |
| Core capital (leverage) ratio | 14.5557% | 682 |
| Tier 1 risk-based capital ratio | 26.2659% | 677 |
| Total risk-based capital ratio | 27.1084% | 689 |
| Memoranda: | ||
| Average total assets | $144,715,000 | 3,595 |
| Average earning assets | $133,201,400 | 3,600 |
| Average equity | $21,153,400 | 3,053 |
| Average total loans | $61,215,600 | 4,251 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4236% | 4,976 |
| Cost of funding earning assets | 0.2786% | 4,308 |
| Net interest margin | 3.1450% | 4,661 |
| Noninterest income to average assets | 0.4331% | 3,670 |
| Noninterest expense to average assets | 2.2299% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8840% | 2,989 |
| Return on assets (ROA) | 0.9150% | 2,956 |
| Pretax return on assets | 1.1435% | 3,072 |
| Return on Equity (ROE) | 6.2392% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.4538% | 2,518 |
| Net charge-offs to loans | 0.0440% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 59.9411% | 960 |
| Efficiency ratio | 66.7311% | 3,465 |
| Assets per employee ($millions) | 4.0399% | 3,899 |
| Cash dividends to net income (ytd only)* | 12.5879% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,027 |
| Loan loss allowance to noncurrent loans | 370.3911% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1327% | 4,903 |
| Noncurrent loans to loans | 0.2887% | 4,228 |
| Net loans and leases to total assets | 42.1732% | 5,285 |
| Net loans and leases to deposits | 51.9168% | 5,205 |
| Net loans and leases to core deposits | 53.2200% | 5,255 |
| Total domestic deposits to total assets | 81.2323% | 4,186 |
| Equity capital to assets | 14.9323% | 755 |
| Core capital (leverage) ratio | 14.4035% | 749 |
| Tier 1 risk-based capital ratio | 26.2880% | 693 |
| Total risk-based capital ratio | 27.1610% | 705 |
| Memoranda: | ||
| Average total assets | $144,697,500 | 3,611 |
| Average earning assets | $133,501,250 | 3,614 |
| Average equity | $21,220,250 | 3,070 |
| Average total loans | $60,648,500 | 4,307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3468% | 5,193 |
| Cost of funding earning assets | 0.2793% | 4,355 |
| Net interest margin | 3.0675% | 4,925 |
| Noninterest income to average assets | 0.4181% | 3,759 |
| Noninterest expense to average assets | 2.2540% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8123% | 3,252 |
| Return on assets (ROA) | 0.8543% | 3,195 |
| Pretax return on assets | 1.0440% | 3,420 |
| Return on Equity (ROE) | 5.8609% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.0535% | 2,702 |
| Net charge-offs to loans | -0.0664% | 5,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2964% | 3,100 |
| Assets per employee ($millions) | 3.8248% | 4,222 |
| Cash dividends to net income (ytd only)* | 13.7763% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,585 |
| Loan loss allowance to noncurrent loans | 285.7724% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 4,547 |
| Noncurrent loans to loans | 0.4058% | 3,908 |
| Net loans and leases to total assets | 41.2255% | 5,372 |
| Net loans and leases to deposits | 50.3441% | 5,318 |
| Net loans and leases to core deposits | 51.5970% | 5,373 |
| Total domestic deposits to total assets | 81.8875% | 4,030 |
| Equity capital to assets | 14.8182% | 781 |
| Core capital (leverage) ratio | 14.2648% | 754 |
| Tier 1 risk-based capital ratio | 26.2117% | 713 |
| Total risk-based capital ratio | 27.1475% | 712 |
| Memoranda: | ||
| Average total assets | $144,451,330 | 3,639 |
| Average earning assets | $133,201,330 | 3,641 |
| Average equity | $21,054,670 | 3,093 |
| Average total loans | $60,198,670 | 4,342 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 5,226 |
| Cost of funding earning assets | 0.2808% | 4,380 |
| Net interest margin | 3.0677% | 4,953 |
| Noninterest income to average assets | 0.4166% | 3,707 |
| Noninterest expense to average assets | 2.2582% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7833% | 3,330 |
| Return on assets (ROA) | 0.8389% | 3,172 |
| Pretax return on assets | 1.0500% | 3,278 |
| Return on Equity (ROE) | 5.8039% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.8039% | 2,466 |
| Net charge-offs to loans | -0.0133% | 4,662 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5540% | 3,203 |
| Assets per employee ($millions) | 3.9929% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 3,735 |
| Loan loss allowance to noncurrent loans | 219.5513% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 4,207 |
| Noncurrent loans to loans | 0.5260% | 3,609 |
| Net loans and leases to total assets | 40.7892% | 5,412 |
| Net loans and leases to deposits | 48.5811% | 5,401 |
| Net loans and leases to core deposits | 50.1978% | 5,433 |
| Total domestic deposits to total assets | 83.9611% | 3,536 |
| Equity capital to assets | 14.6211% | 801 |
| Core capital (leverage) ratio | 14.2815% | 739 |
| Tier 1 risk-based capital ratio | 26.1702% | 724 |
| Total risk-based capital ratio | 27.0919% | 734 |
| Memoranda: | ||
| Average total assets | $144,006,000 | 3,668 |
| Average earning assets | $132,477,500 | 3,674 |
| Average equity | $20,813,500 | 3,114 |
| Average total loans | $59,987,500 | 4,369 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3720% | 5,218 |
| Cost of funding earning assets | 0.3229% | 3,992 |
| Net interest margin | 3.0491% | 5,026 |
| Noninterest income to average assets | 0.4403% | 3,743 |
| Noninterest expense to average assets | 2.4439% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6942% | 3,838 |
| Return on assets (ROA) | 0.7045% | 3,894 |
| Pretax return on assets | 0.8221% | 4,119 |
| Return on Equity (ROE) | 4.9159% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.6083% | 3,492 |
| Net charge-offs to loans | 0.0725% | 2,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 26.7442% | 1,573 |
| Efficiency ratio | 74.8863% | 2,443 |
| Assets per employee ($millions) | 3.8991% | 4,119 |
| Cash dividends to net income (ytd only)* | 26.6000% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,892 |
| Loan loss allowance to noncurrent loans | 277.6423% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,499 |
| Noncurrent loans to loans | 0.4056% | 4,003 |
| Net loans and leases to total assets | 41.5719% | 5,435 |
| Net loans and leases to deposits | 49.7400% | 5,408 |
| Net loans and leases to core deposits | 51.3955% | 5,434 |
| Total domestic deposits to total assets | 83.5785% | 3,644 |
| Equity capital to assets | 14.2859% | 841 |
| Core capital (leverage) ratio | 13.5363% | 951 |
| Tier 1 risk-based capital ratio | 24.8175% | 830 |
| Total risk-based capital ratio | 25.7364% | 848 |
| Memoranda: | ||
| Average total assets | $141,947,800 | 3,696 |
| Average earning assets | $130,989,800 | 3,681 |
| Average equity | $20,342,200 | 3,139 |
| Average total loans | $59,283,200 | 4,391 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 5,299 |
| Cost of funding earning assets | 0.3320% | 3,963 |
| Net interest margin | 3.0267% | 5,134 |
| Noninterest income to average assets | 0.4933% | 3,414 |
| Noninterest expense to average assets | 2.3946% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7467% | 3,693 |
| Return on assets (ROA) | 0.7602% | 3,732 |
| Pretax return on assets | 0.9092% | 3,955 |
| Return on Equity (ROE) | 5.3003% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.0771% | 3,558 |
| Net charge-offs to loans | 0.0679% | 2,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.5660% | 1,451 |
| Efficiency ratio | 72.6334% | 2,772 |
| Assets per employee ($millions) | 3.7218% | 4,403 |
| Cash dividends to net income (ytd only)* | 23.0766% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 3,911 |
| Loan loss allowance to noncurrent loans | 235.9322% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,568 |
| Noncurrent loans to loans | 0.4886% | 3,887 |
| Net loans and leases to total assets | 42.2007% | 5,475 |
| Net loans and leases to deposits | 50.6196% | 5,443 |
| Net loans and leases to core deposits | 51.4406% | 5,526 |
| Total domestic deposits to total assets | 83.3683% | 3,669 |
| Equity capital to assets | 14.5868% | 840 |
| Core capital (leverage) ratio | 14.2142% | 808 |
| Tier 1 risk-based capital ratio | 26.2529% | 745 |
| Total risk-based capital ratio | 27.1986% | 755 |
| Memoranda: | ||
| Average total assets | $141,367,750 | 3,727 |
| Average earning assets | $130,523,250 | 3,716 |
| Average equity | $20,275,250 | 3,177 |
| Average total loans | $58,939,500 | 4,454 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 5,403 |
| Cost of funding earning assets | 0.3372% | 3,957 |
| Net interest margin | 2.9812% | 5,265 |
| Noninterest income to average assets | 0.4853% | 3,468 |
| Noninterest expense to average assets | 2.3715% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7241% | 3,769 |
| Return on assets (ROA) | 0.7443% | 3,766 |
| Pretax return on assets | 0.8900% | 3,991 |
| Return on Equity (ROE) | 5.2190% | 4,517 |
| Retained earnings to average equity (ytd only) | 3.8994% | 3,520 |
| Net charge-offs to loans | 0.1095% | 1,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.1250% | 1,768 |
| Efficiency ratio | 73.0332% | 2,832 |
| Assets per employee ($millions) | 3.8435% | 4,182 |
| Cash dividends to net income (ytd only)* | 25.2852% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 3,927 |
| Loan loss allowance to noncurrent loans | 255.1471% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,762 |
| Noncurrent loans to loans | 0.4615% | 4,096 |
| Net loans and leases to total assets | 40.9589% | 5,577 |
| Net loans and leases to deposits | 49.1528% | 5,546 |
| Net loans and leases to core deposits | 50.2432% | 5,604 |
| Total domestic deposits to total assets | 83.3297% | 3,819 |
| Equity capital to assets | 14.2113% | 908 |
| Core capital (leverage) ratio | 13.9909% | 839 |
| Tier 1 risk-based capital ratio | 26.1182% | 771 |
| Total risk-based capital ratio | 27.0671% | 777 |
| Memoranda: | ||
| Average total assets | $141,347,330 | 3,761 |
| Average earning assets | $130,485,670 | 3,742 |
| Average equity | $20,157,000 | 3,207 |
| Average total loans | $58,459,330 | 4,500 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,493 |
| Cost of funding earning assets | 0.3353% | 4,033 |
| Net interest margin | 2.9441% | 5,364 |
| Noninterest income to average assets | 0.4797% | 3,428 |
| Noninterest expense to average assets | 2.3958% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6905% | 3,845 |
| Return on assets (ROA) | 0.7295% | 3,782 |
| Pretax return on assets | 0.8459% | 4,078 |
| Return on Equity (ROE) | 5.1067% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.1067% | 2,996 |
| Net charge-offs to loans | 0.2405% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 8.0571% | 2,111 |
| Efficiency ratio | 74.7780% | 2,694 |
| Assets per employee ($millions) | 3.8446% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2094% | 3,921 |
| Loan loss allowance to noncurrent loans | 247.6703% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,823 |
| Noncurrent loans to loans | 0.4883% | 4,113 |
| Net loans and leases to total assets | 39.6801% | 5,612 |
| Net loans and leases to deposits | 47.0297% | 5,617 |
| Net loans and leases to core deposits | 48.0575% | 5,668 |
| Total domestic deposits to total assets | 84.3726% | 3,665 |
| Equity capital to assets | 14.3149% | 883 |
| Core capital (leverage) ratio | 14.0801% | 799 |
| Tier 1 risk-based capital ratio | 27.1712% | 699 |
| Total risk-based capital ratio | 28.1611% | 706 |
| Memoranda: | ||
| Average total assets | $140,915,500 | 3,798 |
| Average earning assets | $130,024,500 | 3,777 |
| Average equity | $20,130,500 | 3,226 |
| Average total loans | $58,218,000 | 4,535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 5,377 |
| Cost of funding earning assets | 0.3691% | 4,049 |
| Net interest margin | 3.1078% | 5,184 |
| Noninterest income to average assets | 0.4594% | 3,782 |
| Noninterest expense to average assets | 2.2707% | 5,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8480% | 3,124 |
| Return on assets (ROA) | 0.8625% | 3,147 |
| Pretax return on assets | 1.0594% | 3,259 |
| Return on Equity (ROE) | 6.2399% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.3625% | 2,360 |
| Net charge-offs to loans | 0.0723% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.6098% | 1,186 |
| Efficiency ratio | 68.3394% | 3,839 |
| Assets per employee ($millions) | 3.8773% | 4,212 |
| Cash dividends to net income (ytd only)* | 14.0612% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 3,858 |
| Loan loss allowance to noncurrent loans | 194.1176% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3360% | 4,706 |
| Noncurrent loans to loans | 0.6307% | 3,797 |
| Net loans and leases to total assets | 41.9642% | 5,619 |
| Net loans and leases to deposits | 49.6937% | 5,596 |
| Net loans and leases to core deposits | 50.7974% | 5,679 |
| Total domestic deposits to total assets | 84.4456% | 3,535 |
| Equity capital to assets | 14.2555% | 883 |
| Core capital (leverage) ratio | 14.0730% | 797 |
| Tier 1 risk-based capital ratio | 26.2352% | 745 |
| Total risk-based capital ratio | 27.2509% | 748 |
| Memoranda: | ||
| Average total assets | $140,174,800 | 3,798 |
| Average earning assets | $128,675,800 | 3,796 |
| Average equity | $19,375,200 | 3,234 |
| Average total loans | $56,707,800 | 4,592 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4926% | 5,411 |
| Cost of funding earning assets | 0.3727% | 4,101 |
| Net interest margin | 3.1200% | 5,199 |
| Noninterest income to average assets | 0.4969% | 3,572 |
| Noninterest expense to average assets | 2.2528% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9031% | 2,902 |
| Return on assets (ROA) | 0.9226% | 2,904 |
| Pretax return on assets | 1.1316% | 3,062 |
| Return on Equity (ROE) | 6.7273% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.1038% | 2,346 |
| Net charge-offs to loans | 0.0714% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 38.8658% | 1,157 |
| Efficiency ratio | 66.8363% | 4,078 |
| Assets per employee ($millions) | 3.8347% | 4,219 |
| Cash dividends to net income (ytd only)* | 9.2691% | 3,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 3,563 |
| Loan loss allowance to noncurrent loans | 394.1176% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.2043% | 5,407 |
| Noncurrent loans to loans | 0.3341% | 4,901 |
| Net loans and leases to total assets | 40.0080% | 5,813 |
| Net loans and leases to deposits | 47.6331% | 5,785 |
| Net loans and leases to core deposits | 48.7063% | 5,852 |
| Total domestic deposits to total assets | 83.9920% | 3,769 |
| Equity capital to assets | 14.3571% | 894 |
| Core capital (leverage) ratio | 13.7412% | 915 |
| Tier 1 risk-based capital ratio | 27.0197% | 710 |
| Total risk-based capital ratio | 28.0898% | 701 |
| Memoranda: | ||
| Average total assets | $140,323,250 | 3,822 |
| Average earning assets | $128,801,500 | 3,812 |
| Average equity | $19,244,500 | 3,262 |
| Average total loans | $56,059,750 | 4,658 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 5,455 |
| Cost of funding earning assets | 0.3714% | 4,194 |
| Net interest margin | 3.1055% | 5,240 |
| Noninterest income to average assets | 0.4409% | 3,934 |
| Noninterest expense to average assets | 2.2271% | 5,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8779% | 2,919 |
| Return on assets (ROA) | 0.9073% | 2,868 |
| Pretax return on assets | 1.0944% | 3,125 |
| Return on Equity (ROE) | 6.7182% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.7735% | 2,468 |
| Net charge-offs to loans | -0.0321% | 5,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5582% | 4,099 |
| Assets per employee ($millions) | 3.9681% | 3,909 |
| Cash dividends to net income (ytd only)* | 14.0625% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 3,515 |
| Loan loss allowance to noncurrent loans | 316.7347% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 5,548 |
| Noncurrent loans to loans | 0.4309% | 4,692 |
| Net loans and leases to total assets | 39.2629% | 5,877 |
| Net loans and leases to deposits | 47.4666% | 5,800 |
| Net loans and leases to core deposits | 48.5127% | 5,876 |
| Total domestic deposits to total assets | 82.7168% | 4,406 |
| Equity capital to assets | 13.6395% | 1,113 |
| Core capital (leverage) ratio | 13.3996% | 1,015 |
| Tier 1 risk-based capital ratio | 26.0824% | 767 |
| Total risk-based capital ratio | 27.1867% | 764 |
| Memoranda: | ||
| Average total assets | $141,081,000 | 3,829 |
| Average earning assets | $129,254,670 | 3,826 |
| Average equity | $19,052,670 | 3,280 |
| Average total loans | $56,090,330 | 4,689 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 5,314 |
| Cost of funding earning assets | 0.3811% | 4,186 |
| Net interest margin | 3.1643% | 5,036 |
| Noninterest income to average assets | 0.3623% | 4,491 |
| Noninterest expense to average assets | 2.2026% | 5,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8502% | 2,894 |
| Return on assets (ROA) | 0.8502% | 2,967 |
| Pretax return on assets | 1.0500% | 3,133 |
| Return on Equity (ROE) | 6.3280% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.1156% | 2,475 |
| Net charge-offs to loans | -0.0574% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5439% | 4,265 |
| Assets per employee ($millions) | 3.9109% | 4,128 |
| Cash dividends to net income (ytd only)* | 3.3557% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 3,525 |
| Loan loss allowance to noncurrent loans | 331.1966% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 5,646 |
| Noncurrent loans to loans | 0.4271% | 4,864 |
| Net loans and leases to total assets | 38.3627% | 5,920 |
| Net loans and leases to deposits | 45.0081% | 5,917 |
| Net loans and leases to core deposits | 45.8689% | 6,000 |
| Total domestic deposits to total assets | 85.2351% | 3,756 |
| Equity capital to assets | 13.5056% | 1,095 |
| Core capital (leverage) ratio | 13.4473% | 985 |
| Tier 1 risk-based capital ratio | 26.4175% | 755 |
| Total risk-based capital ratio | 27.5503% | 751 |
| Memoranda: | ||
| Average total assets | $140,196,500 | 3,873 |
| Average earning assets | $128,054,000 | 3,889 |
| Average equity | $18,837,000 | 3,302 |
| Average total loans | $55,704,000 | 4,738 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4639% | 5,703 |
| Cost of funding earning assets | 0.4695% | 3,919 |
| Net interest margin | 2.9944% | 5,587 |
| Noninterest income to average assets | 0.4053% | 4,408 |
| Noninterest expense to average assets | 2.2562% | 5,487 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8213% | 3,180 |
| Return on assets (ROA) | 0.8085% | 3,346 |
| Pretax return on assets | 0.8858% | 3,822 |
| Return on Equity (ROE) | 6.1700% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.3825% | 3,820 |
| Net charge-offs to loans | 0.1077% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 21.3500% | 1,499 |
| Efficiency ratio | 71.2664% | 3,621 |
| Assets per employee ($millions) | 3.7730% | 4,324 |
| Cash dividends to net income (ytd only)* | 45.1781% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,867 |
| Loan loss allowance to noncurrent loans | 278.9091% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 5,612 |
| Noncurrent loans to loans | 0.4857% | 4,781 |
| Net loans and leases to total assets | 40.0100% | 5,962 |
| Net loans and leases to deposits | 47.0425% | 5,950 |
| Net loans and leases to core deposits | 47.9495% | 6,037 |
| Total domestic deposits to total assets | 85.0509% | 3,715 |
| Equity capital to assets | 13.3660% | 1,114 |
| Core capital (leverage) ratio | 13.1260% | 1,093 |
| Tier 1 risk-based capital ratio | 25.5403% | 810 |
| Total risk-based capital ratio | 26.6417% | 808 |
| Memoranda: | ||
| Average total assets | $142,364,200 | 3,838 |
| Average earning assets | $130,778,800 | 3,829 |
| Average equity | $18,654,800 | 3,322 |
| Average total loans | $55,686,600 | 4,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 5,895 |
| Cost of funding earning assets | 0.4775% | 3,993 |
| Net interest margin | 2.9146% | 5,779 |
| Noninterest income to average assets | 0.4297% | 4,299 |
| Noninterest expense to average assets | 2.2042% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8060% | 3,316 |
| Return on assets (ROA) | 0.7894% | 3,536 |
| Pretax return on assets | 0.8919% | 3,922 |
| Return on Equity (ROE) | 6.0541% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.9948% | 4,534 |
| Net charge-offs to loans | 0.1418% | 3,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.5603% | 1,795 |
| Efficiency ratio | 70.5566% | 3,663 |
| Assets per employee ($millions) | 3.7535% | 4,344 |
| Cash dividends to net income (ytd only)* | 50.5309% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 4,183 |
| Loan loss allowance to noncurrent loans | 256.0000% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 5,323 |
| Noncurrent loans to loans | 0.5244% | 4,884 |
| Net loans and leases to total assets | 39.5719% | 6,060 |
| Net loans and leases to deposits | 47.2401% | 6,017 |
| Net loans and leases to core deposits | 48.1427% | 6,118 |
| Total domestic deposits to total assets | 83.7675% | 4,292 |
| Equity capital to assets | 12.9829% | 1,338 |
| Core capital (leverage) ratio | 12.8095% | 1,281 |
| Tier 1 risk-based capital ratio | 24.6720% | 915 |
| Total risk-based capital ratio | 25.7497% | 912 |
| Memoranda: | ||
| Average total assets | $143,055,250 | 3,865 |
| Average earning assets | $131,794,500 | 3,841 |
| Average equity | $18,653,750 | 3,351 |
| Average total loans | $55,453,000 | 4,809 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3544% | 5,996 |
| Cost of funding earning assets | 0.4866% | 4,022 |
| Net interest margin | 2.8679% | 5,853 |
| Noninterest income to average assets | 0.4106% | 4,443 |
| Noninterest expense to average assets | 2.1272% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8238% | 3,175 |
| Return on assets (ROA) | 0.7989% | 3,453 |
| Pretax return on assets | 0.8981% | 3,918 |
| Return on Equity (ROE) | 6.1180% | 4,102 |
| Retained earnings to average equity (ytd only) | 1.5509% | 5,249 |
| Net charge-offs to loans | 0.1750% | 2,719 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.8125% | 1,871 |
| Efficiency ratio | 69.4419% | 3,934 |
| Assets per employee ($millions) | 3.8634% | 4,083 |
| Cash dividends to net income (ytd only)* | 74.6503% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 4,037 |
| Loan loss allowance to noncurrent loans | 212.8415% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 5,335 |
| Noncurrent loans to loans | 0.6573% | 4,626 |
| Net loans and leases to total assets | 38.4085% | 6,149 |
| Net loans and leases to deposits | 45.5559% | 6,136 |
| Net loans and leases to core deposits | 46.4123% | 6,218 |
| Total domestic deposits to total assets | 84.3107% | 4,197 |
| Equity capital to assets | 12.6097% | 1,516 |
| Core capital (leverage) ratio | 12.5943% | 1,323 |
| Tier 1 risk-based capital ratio | 24.3477% | 955 |
| Total risk-based capital ratio | 25.4424% | 955 |
| Memoranda: | ||
| Average total assets | $143,195,670 | 3,891 |
| Average earning assets | $131,945,330 | 3,870 |
| Average equity | $18,699,000 | 3,369 |
| Average total loans | $54,867,000 | 4,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2947% | 6,160 |
| Cost of funding earning assets | 0.4906% | 4,173 |
| Net interest margin | 2.8041% | 6,025 |
| Noninterest income to average assets | 0.4270% | 4,272 |
| Noninterest expense to average assets | 2.0625% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8512% | 2,899 |
| Return on assets (ROA) | 0.8512% | 3,035 |
| Pretax return on assets | 0.9489% | 3,570 |
| Return on Equity (ROE) | 6.4089% | 3,814 |
| Retained earnings to average equity (ytd only) | 3.6772% | 4,022 |
| Net charge-offs to loans | -0.0073% | 5,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3040% | 4,254 |
| Assets per employee ($millions) | 3.7888% | 4,375 |
| Cash dividends to net income (ytd only)* | 42.6230% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,582 |
| Loan loss allowance to noncurrent loans | 160.4651% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 5,448 |
| Noncurrent loans to loans | 0.9706% | 4,190 |
| Net loans and leases to total assets | 36.3491% | 6,270 |
| Net loans and leases to deposits | 42.4620% | 6,289 |
| Net loans and leases to core deposits | 43.2402% | 6,355 |
| Total domestic deposits to total assets | 85.6039% | 3,736 |
| Equity capital to assets | 13.2578% | 1,315 |
| Core capital (leverage) ratio | 12.7556% | 1,215 |
| Tier 1 risk-based capital ratio | 25.6438% | 824 |
| Total risk-based capital ratio | 26.8645% | 813 |
| Memoranda: | ||
| Average total assets | $143,321,000 | 3,926 |
| Average earning assets | $132,090,000 | 3,898 |
| Average equity | $19,036,000 | 3,373 |
| Average total loans | $54,459,500 | 4,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 6,075 |
| Cost of funding earning assets | 0.5993% | 4,360 |
| Net interest margin | 3.0890% | 5,842 |
| Noninterest income to average assets | 0.4424% | 4,302 |
| Noninterest expense to average assets | 2.2689% | 5,768 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8357% | 3,113 |
| Return on assets (ROA) | 0.8534% | 3,272 |
| Pretax return on assets | 1.0258% | 3,455 |
| Return on Equity (ROE) | 6.4563% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.5348% | 2,357 |
| Net charge-offs to loans | 0.3091% | 3,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.3929% | 2,422 |
| Efficiency ratio | 69.0968% | 3,956 |
| Assets per employee ($millions) | 3.9629% | 4,025 |
| Cash dividends to net income (ytd only)* | 14.2738% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 3,815 |
| Loan loss allowance to noncurrent loans | 169.1207% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 5,308 |
| Noncurrent loans to loans | 0.8770% | 4,425 |
| Net loans and leases to total assets | 38.5025% | 6,267 |
| Net loans and leases to deposits | 45.1783% | 6,295 |
| Net loans and leases to core deposits | 46.5134% | 6,344 |
| Total domestic deposits to total assets | 85.2235% | 3,753 |
| Equity capital to assets | 13.3066% | 1,313 |
| Core capital (leverage) ratio | 12.7643% | 1,212 |
| Tier 1 risk-based capital ratio | 24.9721% | 855 |
| Total risk-based capital ratio | 26.1712% | 853 |
| Memoranda: | ||
| Average total assets | $140,377,200 | 3,939 |
| Average earning assets | $128,652,000 | 3,933 |
| Average equity | $18,555,400 | 3,393 |
| Average total loans | $54,344,400 | 4,922 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 6,220 |
| Cost of funding earning assets | 0.6203% | 4,447 |
| Net interest margin | 3.0795% | 5,983 |
| Noninterest income to average assets | 0.4396% | 4,370 |
| Noninterest expense to average assets | 2.2154% | 5,918 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8224% | 3,329 |
| Return on assets (ROA) | 0.8450% | 3,485 |
| Pretax return on assets | 1.0748% | 3,448 |
| Return on Equity (ROE) | 6.4033% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.7095% | 2,892 |
| Net charge-offs to loans | 0.2544% | 3,196 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.6505% | 2,165 |
| Efficiency ratio | 67.7193% | 4,123 |
| Assets per employee ($millions) | 3.6003% | 4,754 |
| Cash dividends to net income (ytd only)* | 10.8355% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 3,557 |
| Loan loss allowance to noncurrent loans | 149.9160% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 5,295 |
| Noncurrent loans to loans | 1.0608% | 4,317 |
| Net loans and leases to total assets | 39.3112% | 6,336 |
| Net loans and leases to deposits | 46.0505% | 6,378 |
| Net loans and leases to core deposits | 47.8862% | 6,424 |
| Total domestic deposits to total assets | 85.3653% | 3,580 |
| Equity capital to assets | 13.4795% | 1,357 |
| Core capital (leverage) ratio | 12.5815% | 1,371 |
| Tier 1 risk-based capital ratio | 24.9114% | 917 |
| Total risk-based capital ratio | 26.1620% | 909 |
| Memoranda: | ||
| Average total assets | $139,805,000 | 3,992 |
| Average earning assets | $128,111,250 | 3,976 |
| Average equity | $18,448,250 | 3,440 |
| Average total loans | $53,991,250 | 4,995 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 6,313 |
| Cost of funding earning assets | 0.6469% | 4,471 |
| Net interest margin | 3.0637% | 6,091 |
| Noninterest income to average assets | 0.4298% | 4,434 |
| Noninterest expense to average assets | 2.2005% | 6,008 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8223% | 3,289 |
| Return on assets (ROA) | 0.8223% | 3,547 |
| Pretax return on assets | 1.0315% | 3,592 |
| Return on Equity (ROE) | 6.2771% | 4,173 |
| Retained earnings to average equity (ytd only) | 5.2273% | 3,138 |
| Net charge-offs to loans | 0.3115% | 2,785 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 8.6747% | 2,259 |
| Efficiency ratio | 67.8635% | 4,151 |
| Assets per employee ($millions) | 3.5658% | 4,830 |
| Cash dividends to net income (ytd only)* | 16.7247% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 3,361 |
| Loan loss allowance to noncurrent loans | 213.0841% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 5,720 |
| Noncurrent loans to loans | 0.7826% | 4,939 |
| Net loans and leases to total assets | 37.7024% | 6,506 |
| Net loans and leases to deposits | 44.5663% | 6,520 |
| Net loans and leases to core deposits | 46.6093% | 6,543 |
| Total domestic deposits to total assets | 84.5986% | 4,053 |
| Equity capital to assets | 13.0120% | 1,514 |
| Core capital (leverage) ratio | 12.2973% | 1,448 |
| Tier 1 risk-based capital ratio | 24.8022% | 921 |
| Total risk-based capital ratio | 26.0541% | 908 |
| Memoranda: | ||
| Average total assets | $139,602,330 | 4,020 |
| Average earning assets | $127,690,000 | 4,000 |
| Average equity | $18,288,670 | 3,456 |
| Average total loans | $53,291,670 | 5,056 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 6,416 |
| Cost of funding earning assets | 0.6723% | 4,519 |
| Net interest margin | 3.0411% | 6,209 |
| Noninterest income to average assets | 0.4606% | 4,220 |
| Noninterest expense to average assets | 2.2681% | 5,860 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7763% | 3,500 |
| Return on assets (ROA) | 0.7763% | 3,738 |
| Pretax return on assets | 0.9704% | 3,793 |
| Return on Equity (ROE) | 5.9052% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.9052% | 3,018 |
| Net charge-offs to loans | 0.3346% | 2,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.6136% | 2,059 |
| Efficiency ratio | 69.8569% | 3,845 |
| Assets per employee ($millions) | 3.7217% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,921 |
| Loan loss allowance to noncurrent loans | 158.5000% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4469% | 5,742 |
| Noncurrent loans to loans | 1.1498% | 4,410 |
| Net loans and leases to total assets | 36.2272% | 6,605 |
| Net loans and leases to deposits | 42.0841% | 6,653 |
| Net loans and leases to core deposits | 43.9909% | 6,654 |
| Total domestic deposits to total assets | 86.0830% | 3,477 |
| Equity capital to assets | 12.9016% | 1,485 |
| Core capital (leverage) ratio | 12.6210% | 1,279 |
| Tier 1 risk-based capital ratio | 25.2165% | 885 |
| Total risk-based capital ratio | 26.4682% | 867 |
| Memoranda: | ||
| Average total assets | $138,088,500 | 4,069 |
| Average earning assets | $126,139,500 | 4,056 |
| Average equity | $18,153,500 | 3,475 |
| Average total loans | $52,594,000 | 5,123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 5,826 |
| Cost of funding earning assets | 0.8406% | 4,542 |
| Net interest margin | 3.4371% | 5,376 |
| Noninterest income to average assets | 0.4833% | 3,972 |
| Noninterest expense to average assets | 2.5754% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8506% | 2,819 |
| Return on assets (ROA) | 0.8518% | 2,966 |
| Pretax return on assets | 1.0453% | 3,051 |
| Return on Equity (ROE) | 6.3060% | 3,736 |
| Retained earnings to average equity (ytd only) | 2.9662% | 4,126 |
| Net charge-offs to loans | 0.0223% | 6,131 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 113.7500% | 284 |
| Efficiency ratio | 70.2937% | 3,890 |
| Assets per employee ($millions) | 3.5461% | 4,902 |
| Cash dividends to net income (ytd only)* | 52.9623% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,640 |
| Loan loss allowance to noncurrent loans | 158.9457% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 5,747 |
| Noncurrent loans to loans | 1.1811% | 4,396 |
| Net loans and leases to total assets | 38.5951% | 6,624 |
| Net loans and leases to deposits | 45.4822% | 6,649 |
| Net loans and leases to core deposits | 47.7870% | 6,653 |
| Total domestic deposits to total assets | 84.8575% | 3,923 |
| Equity capital to assets | 13.4030% | 1,319 |
| Core capital (leverage) ratio | 12.5290% | 1,338 |
| Tier 1 risk-based capital ratio | 24.9404% | 875 |
| Total risk-based capital ratio | 26.1940% | 866 |
| Memoranda: | ||
| Average total assets | $130,776,000 | 4,152 |
| Average earning assets | $119,314,800 | 4,148 |
| Average equity | $17,665,600 | 3,478 |
| Average total loans | $53,734,200 | 5,122 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3504% | 5,774 |
| Cost of funding earning assets | 0.8717% | 4,625 |
| Net interest margin | 3.4787% | 5,280 |
| Noninterest income to average assets | 0.4921% | 3,931 |
| Noninterest expense to average assets | 2.4810% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8933% | 2,766 |
| Return on assets (ROA) | 0.8948% | 2,905 |
| Pretax return on assets | 1.1907% | 2,665 |
| Return on Equity (ROE) | 6.6108% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.9125% | 2,608 |
| Net charge-offs to loans | 0.0297% | 5,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 96.4144% | 375 |
| Efficiency ratio | 67.4132% | 4,441 |
| Assets per employee ($millions) | 3.4931% | 5,018 |
| Cash dividends to net income (ytd only)* | 10.5623% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 2,626 |
| Loan loss allowance to noncurrent loans | 352.8369% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 6,416 |
| Noncurrent loans to loans | 0.5370% | 5,788 |
| Net loans and leases to total assets | 38.8146% | 6,723 |
| Net loans and leases to deposits | 45.6301% | 6,752 |
| Net loans and leases to core deposits | 47.2540% | 6,793 |
| Total domestic deposits to total assets | 85.0636% | 3,741 |
| Equity capital to assets | 13.8538% | 1,223 |
| Core capital (leverage) ratio | 13.0225% | 1,226 |
| Tier 1 risk-based capital ratio | 25.9746% | 840 |
| Total risk-based capital ratio | 27.2274% | 818 |
| Memoranda: | ||
| Average total assets | $129,781,750 | 4,202 |
| Average earning assets | $118,546,250 | 4,193 |
| Average equity | $17,566,750 | 3,496 |
| Average total loans | $53,917,000 | 5,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 5,714 |
| Cost of funding earning assets | 0.8886% | 4,765 |
| Net interest margin | 3.5067% | 5,130 |
| Noninterest income to average assets | 0.4829% | 3,996 |
| Noninterest expense to average assets | 2.5637% | 5,314 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8463% | 2,876 |
| Return on assets (ROA) | 0.8463% | 2,970 |
| Pretax return on assets | 1.1180% | 2,777 |
| Return on Equity (ROE) | 6.3032% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.2392% | 2,848 |
| Net charge-offs to loans | 0.0552% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 644 |
| Efficiency ratio | 69.4222% | 4,234 |
| Assets per employee ($millions) | 3.3742% | 5,270 |
| Cash dividends to net income (ytd only)* | 16.8807% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,780 |
| Loan loss allowance to noncurrent loans | 192.2481% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 6,058 |
| Noncurrent loans to loans | 0.9703% | 5,046 |
| Net loans and leases to total assets | 39.6589% | 6,769 |
| Net loans and leases to deposits | 47.3408% | 6,762 |
| Net loans and leases to core deposits | 48.4960% | 6,835 |
| Total domestic deposits to total assets | 83.7733% | 4,442 |
| Equity capital to assets | 13.5555% | 1,263 |
| Core capital (leverage) ratio | 12.8328% | 1,229 |
| Tier 1 risk-based capital ratio | 25.3701% | 870 |
| Total risk-based capital ratio | 26.6238% | 854 |
| Memoranda: | ||
| Average total assets | $128,797,000 | 4,252 |
| Average earning assets | $117,491,000 | 4,243 |
| Average equity | $17,292,670 | 3,528 |
| Average total loans | $54,384,000 | 5,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 5,478 |
| Cost of funding earning assets | 0.9103% | 4,850 |
| Net interest margin | 3.5517% | 4,809 |
| Noninterest income to average assets | 0.4867% | 4,001 |
| Noninterest expense to average assets | 2.5966% | 5,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8509% | 2,779 |
| Return on assets (ROA) | 0.8509% | 2,838 |
| Pretax return on assets | 1.1240% | 2,667 |
| Return on Equity (ROE) | 6.3690% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.3690% | 2,437 |
| Net charge-offs to loans | 0.1309% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 19.8889% | 1,120 |
| Efficiency ratio | 69.5359% | 4,368 |
| Assets per employee ($millions) | 3.3474% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,857 |
| Loan loss allowance to noncurrent loans | 191.2959% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 6,112 |
| Noncurrent loans to loans | 0.9667% | 5,111 |
| Net loans and leases to total assets | 40.2094% | 6,762 |
| Net loans and leases to deposits | 46.8708% | 6,802 |
| Net loans and leases to core deposits | 47.9932% | 6,878 |
| Total domestic deposits to total assets | 85.7877% | 3,644 |
| Equity capital to assets | 13.1399% | 1,319 |
| Core capital (leverage) ratio | 12.9564% | 1,133 |
| Tier 1 risk-based capital ratio | 25.0589% | 872 |
| Total risk-based capital ratio | 26.3125% | 852 |
| Memoranda: | ||
| Average total assets | $127,399,500 | 4,314 |
| Average earning assets | $116,002,000 | 4,300 |
| Average equity | $17,020,000 | 3,561 |
| Average total loans | $54,986,000 | 5,215 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 5,093 |
| Cost of funding earning assets | 1.0612% | 5,358 |
| Net interest margin | 3.8262% | 3,835 |
| Noninterest income to average assets | 0.5048% | 4,129 |
| Noninterest expense to average assets | 2.5834% | 5,488 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0397% | 1,912 |
| Return on assets (ROA) | 1.0397% | 2,014 |
| Pretax return on assets | 1.3974% | 1,673 |
| Return on Equity (ROE) | 7.3726% | 2,941 |
| Retained earnings to average equity (ytd only) | -2.4499% | 6,042 |
| Net charge-offs to loans | 0.1074% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 28.6500% | 754 |
| Efficiency ratio | 64.4476% | 5,277 |
| Assets per employee ($millions) | 3.1859% | 5,705 |
| Cash dividends to net income (ytd only)* | 133.2291% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 2,920 |
| Loan loss allowance to noncurrent loans | 160.0954% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,854 |
| Noncurrent loans to loans | 1.1135% | 4,878 |
| Net loans and leases to total assets | 44.6543% | 6,662 |
| Net loans and leases to deposits | 52.6379% | 6,698 |
| Net loans and leases to core deposits | 53.9760% | 6,814 |
| Total domestic deposits to total assets | 84.8330% | 3,934 |
| Equity capital to assets | 13.5903% | 1,157 |
| Core capital (leverage) ratio | 13.1819% | 1,064 |
| Tier 1 risk-based capital ratio | 24.4091% | 898 |
| Total risk-based capital ratio | 25.6627% | 883 |
| Memoranda: | ||
| Average total assets | $123,014,200 | 4,425 |
| Average earning assets | $111,755,400 | 4,428 |
| Average equity | $17,348,000 | 3,526 |
| Average total loans | $55,870,200 | 5,243 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 5,082 |
| Cost of funding earning assets | 1.0692% | 5,596 |
| Net interest margin | 3.8706% | 3,656 |
| Noninterest income to average assets | 0.5313% | 3,932 |
| Noninterest expense to average assets | 2.4666% | 5,829 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1550% | 1,722 |
| Return on assets (ROA) | 1.1550% | 1,816 |
| Pretax return on assets | 1.5853% | 1,382 |
| Return on Equity (ROE) | 8.1158% | 2,854 |
| Retained earnings to average equity (ytd only) | -3.8021% | 6,438 |
| Net charge-offs to loans | 0.1101% | 5,434 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 31.7182% | 846 |
| Efficiency ratio | 60.3379% | 5,901 |
| Assets per employee ($millions) | 3.1614% | 5,775 |
| Cash dividends to net income (ytd only)* | 146.8482% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 2,519 |
| Loan loss allowance to noncurrent loans | 188.7246% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 6,081 |
| Noncurrent loans to loans | 1.0002% | 5,233 |
| Net loans and leases to total assets | 43.0438% | 6,904 |
| Net loans and leases to deposits | 50.6736% | 6,970 |
| Net loans and leases to core deposits | 51.8398% | 7,054 |
| Total domestic deposits to total assets | 84.9432% | 3,646 |
| Equity capital to assets | 13.9619% | 1,175 |
| Core capital (leverage) ratio | 13.3074% | 1,117 |
| Tier 1 risk-based capital ratio | 25.2928% | 840 |
| Total risk-based capital ratio | 26.5463% | 818 |
| Memoranda: | ||
| Average total assets | $122,705,250 | 4,486 |
| Average earning assets | $111,608,000 | 4,492 |
| Average equity | $17,463,500 | 3,562 |
| Average total loans | $55,715,250 | 5,320 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 5,201 |
| Cost of funding earning assets | 1.0838% | 5,764 |
| Net interest margin | 3.8606% | 3,632 |
| Noninterest income to average assets | 0.4881% | 4,209 |
| Noninterest expense to average assets | 2.4521% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1330% | 1,745 |
| Return on assets (ROA) | 1.1330% | 1,810 |
| Pretax return on assets | 1.5542% | 1,421 |
| Return on Equity (ROE) | 7.9103% | 2,917 |
| Retained earnings to average equity (ytd only) | 0.2508% | 5,655 |
| Net charge-offs to loans | 0.1493% | 4,740 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 1,125 |
| Efficiency ratio | 60.5134% | 5,954 |
| Assets per employee ($millions) | 2.9756% | 6,184 |
| Cash dividends to net income (ytd only)* | 96.8300% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8432% | 2,591 |
| Loan loss allowance to noncurrent loans | 243.4679% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,406 |
| Noncurrent loans to loans | 0.7571% | 5,756 |
| Net loans and leases to total assets | 44.7406% | 6,866 |
| Net loans and leases to deposits | 53.0050% | 6,926 |
| Net loans and leases to core deposits | 54.3281% | 7,020 |
| Total domestic deposits to total assets | 84.4083% | 3,913 |
| Equity capital to assets | 14.4540% | 1,029 |
| Core capital (leverage) ratio | 13.8461% | 964 |
| Tier 1 risk-based capital ratio | 25.1951% | 828 |
| Total risk-based capital ratio | 26.4489% | 811 |
| Memoranda: | ||
| Average total assets | $122,509,330 | 4,516 |
| Average earning assets | $111,641,330 | 4,517 |
| Average equity | $17,546,670 | 3,537 |
| Average total loans | $56,256,670 | 5,343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 5,287 |
| Cost of funding earning assets | 1.1202% | 5,804 |
| Net interest margin | 3.8153% | 3,725 |
| Noninterest income to average assets | 0.4692% | 4,299 |
| Noninterest expense to average assets | 2.3590% | 6,211 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1371% | 1,718 |
| Return on assets (ROA) | 1.1371% | 1,792 |
| Pretax return on assets | 1.5835% | 1,305 |
| Return on Equity (ROE) | 7.9758% | 2,896 |
| Retained earnings to average equity (ytd only) | -1.0741% | 6,061 |
| Net charge-offs to loans | 0.0212% | 5,287 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 162.0000% | 206 |
| Efficiency ratio | 58.5950% | 6,395 |
| Assets per employee ($millions) | 2.9790% | 6,259 |
| Cash dividends to net income (ytd only)* | 113.4670% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,343 |
| Loan loss allowance to noncurrent loans | 228.3262% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 6,514 |
| Noncurrent loans to loans | 0.8488% | 5,617 |
| Net loans and leases to total assets | 44.0786% | 6,986 |
| Net loans and leases to deposits | 52.1944% | 7,028 |
| Net loans and leases to core deposits | 53.7622% | 7,119 |
| Total domestic deposits to total assets | 84.4508% | 3,914 |
| Equity capital to assets | 14.2917% | 1,069 |
| Core capital (leverage) ratio | 13.6718% | 1,037 |
| Tier 1 risk-based capital ratio | 25.2428% | 838 |
| Total risk-based capital ratio | 26.4967% | 818 |
| Memoranda: | ||
| Average total assets | $122,763,500 | 4,563 |
| Average earning assets | $111,761,000 | 4,570 |
| Average equity | $17,503,000 | 3,568 |
| Average total loans | $56,580,500 | 5,401 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4386% | 4,499 |
| Cost of funding earning assets | 1.5179% | 5,446 |
| Net interest margin | 3.9207% | 3,188 |
| Noninterest income to average assets | 0.5683% | 3,879 |
| Noninterest expense to average assets | 2.6653% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1175% | 1,470 |
| Return on assets (ROA) | 1.1175% | 1,504 |
| Pretax return on assets | 1.4687% | 1,262 |
| Return on Equity (ROE) | 7.9355% | 2,397 |
| Retained earnings to average equity (ytd only) | 6.9192% | 991 |
| Net charge-offs to loans | -0.1837% | 7,908 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2850% | 5,918 |
| Assets per employee ($millions) | 2.8694% | 6,518 |
| Cash dividends to net income (ytd only)* | 12.8071% | 3,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 2,445 |
| Loan loss allowance to noncurrent loans | 252.8436% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 6,584 |
| Noncurrent loans to loans | 0.7244% | 5,808 |
| Net loans and leases to total assets | 46.3521% | 6,942 |
| Net loans and leases to deposits | 54.9590% | 6,988 |
| Net loans and leases to core deposits | 61.3826% | 7,214 |
| Total domestic deposits to total assets | 84.3394% | 3,870 |
| Equity capital to assets | 14.2237% | 1,101 |
| Core capital (leverage) ratio | 13.6367% | 1,058 |
| Tier 1 risk-based capital ratio | 24.2305% | 927 |
| Total risk-based capital ratio | 25.4840% | 900 |
| Memoranda: | ||
| Average total assets | $120,175,600 | 4,558 |
| Average earning assets | $109,292,200 | 4,586 |
| Average equity | $16,924,000 | 3,684 |
| Average total loans | $57,689,600 | 5,352 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 4,400 |
| Cost of funding earning assets | 1.5913% | 5,446 |
| Net interest margin | 3.9119% | 3,192 |
| Noninterest income to average assets | 0.5741% | 3,900 |
| Noninterest expense to average assets | 2.6035% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1549% | 1,573 |
| Return on assets (ROA) | 1.1549% | 1,632 |
| Pretax return on assets | 1.5291% | 1,333 |
| Return on Equity (ROE) | 8.2220% | 2,548 |
| Retained earnings to average equity (ytd only) | 7.5541% | 1,289 |
| Net charge-offs to loans | 0.0718% | 5,972 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 44.1638% | 698 |
| Efficiency ratio | 61.8108% | 6,150 |
| Assets per employee ($millions) | 2.8720% | 6,474 |
| Cash dividends to net income (ytd only)* | 8.1240% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 2,895 |
| Loan loss allowance to noncurrent loans | 232.5000% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3316% | 6,652 |
| Noncurrent loans to loans | 0.6989% | 5,901 |
| Net loans and leases to total assets | 46.6743% | 7,060 |
| Net loans and leases to deposits | 55.4232% | 7,123 |
| Net loans and leases to core deposits | 60.5604% | 7,381 |
| Total domestic deposits to total assets | 84.2145% | 3,620 |
| Equity capital to assets | 14.5453% | 1,129 |
| Core capital (leverage) ratio | 13.7154% | 1,163 |
| Tier 1 risk-based capital ratio | 24.5210% | 948 |
| Total risk-based capital ratio | 25.7720% | 926 |
| Memoranda: | ||
| Average total assets | $119,373,000 | 4,611 |
| Average earning assets | $108,587,750 | 4,633 |
| Average equity | $16,767,500 | 3,753 |
| Average total loans | $57,547,250 | 5,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5533% | 4,322 |
| Cost of funding earning assets | 1.6647% | 5,450 |
| Net interest margin | 3.8886% | 3,161 |
| Noninterest income to average assets | 0.5414% | 4,105 |
| Noninterest expense to average assets | 2.6749% | 5,473 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0659% | 1,887 |
| Return on assets (ROA) | 1.0659% | 1,963 |
| Pretax return on assets | 1.3972% | 1,736 |
| Return on Equity (ROE) | 7.6810% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.6633% | 1,715 |
| Net charge-offs to loans | 0.0069% | 6,496 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 415.5000% | 89 |
| Efficiency ratio | 64.4922% | 5,806 |
| Assets per employee ($millions) | 2.7411% | 6,753 |
| Cash dividends to net income (ytd only)* | 13.2492% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 2,279 |
| Loan loss allowance to noncurrent loans | 165.9170% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 6,172 |
| Noncurrent loans to loans | 1.0352% | 5,146 |
| Net loans and leases to total assets | 45.4962% | 7,231 |
| Net loans and leases to deposits | 53.6021% | 7,298 |
| Net loans and leases to core deposits | 58.3476% | 7,510 |
| Total domestic deposits to total assets | 84.8777% | 3,324 |
| Equity capital to assets | 13.8736% | 1,359 |
| Core capital (leverage) ratio | 13.1977% | 1,372 |
| Tier 1 risk-based capital ratio | 24.2069% | 1,013 |
| Total risk-based capital ratio | 25.4587% | 991 |
| Memoranda: | ||
| Average total assets | $118,956,330 | 4,661 |
| Average earning assets | $108,008,670 | 4,677 |
| Average equity | $16,508,330 | 3,814 |
| Average total loans | $57,653,000 | 5,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 4,434 |
| Cost of funding earning assets | 1.6984% | 5,606 |
| Net interest margin | 3.8895% | 3,076 |
| Noninterest income to average assets | 0.5147% | 4,188 |
| Noninterest expense to average assets | 2.4448% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1953% | 1,668 |
| Return on assets (ROA) | 1.1953% | 1,782 |
| Pretax return on assets | 1.5982% | 1,412 |
| Return on Equity (ROE) | 8.6119% | 2,879 |
| Retained earnings to average equity (ytd only) | 8.6119% | 1,594 |
| Net charge-offs to loans | 0.0478% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 67.4286% | 590 |
| Efficiency ratio | 59.2127% | 6,524 |
| Assets per employee ($millions) | 2.9242% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 2,239 |
| Loan loss allowance to noncurrent loans | 195.4918% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4337% | 6,203 |
| Noncurrent loans to loans | 0.8546% | 5,316 |
| Net loans and leases to total assets | 46.8338% | 7,123 |
| Net loans and leases to deposits | 55.1837% | 7,209 |
| Net loans and leases to core deposits | 60.1564% | 7,448 |
| Total domestic deposits to total assets | 84.8689% | 3,268 |
| Equity capital to assets | 13.8358% | 1,412 |
| Core capital (leverage) ratio | 13.4291% | 1,348 |
| Tier 1 risk-based capital ratio | 23.6260% | 1,121 |
| Total risk-based capital ratio | 24.8775% | 1,100 |
| Memoranda: | ||
| Average total assets | $118,129,500 | 4,702 |
| Average earning assets | $107,160,000 | 4,713 |
| Average equity | $16,396,000 | 3,865 |
| Average total loans | $58,563,500 | 5,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0318% | 5,406 |
| Cost of funding earning assets | 2.2439% | 5,399 |
| Net interest margin | 3.7878% | 4,071 |
| Noninterest income to average assets | 0.5431% | 4,285 |
| Noninterest expense to average assets | 2.8902% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8371% | 3,275 |
| Return on assets (ROA) | 0.8371% | 3,118 |
| Pretax return on assets | 1.0689% | 3,141 |
| Return on Equity (ROE) | 6.2583% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.1204% | 1,951 |
| Net charge-offs to loans | 0.2045% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 9.9677% | 2,600 |
| Efficiency ratio | 71.7125% | 3,993 |
| Assets per employee ($millions) | 2.9092% | 6,268 |
| Cash dividends to net income (ytd only)* | 18.1818% | 4,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6011% | 2,244 |
| Loan loss allowance to noncurrent loans | 157.0261% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 5,487 |
| Noncurrent loans to loans | 1.0196% | 4,543 |
| Net loans and leases to total assets | 50.7549% | 6,961 |
| Net loans and leases to deposits | 60.5007% | 7,046 |
| Net loans and leases to core deposits | 65.6719% | 7,371 |
| Total domestic deposits to total assets | 83.8915% | 3,373 |
| Equity capital to assets | 13.9249% | 1,450 |
| Core capital (leverage) ratio | 13.2839% | 1,447 |
| Tier 1 risk-based capital ratio | 22.7389% | 1,223 |
| Total risk-based capital ratio | 23.9911% | 1,195 |
| Memoranda: | ||
| Average total assets | $115,631,800 | 4,617 |
| Average earning assets | $104,280,800 | 4,669 |
| Average equity | $15,467,400 | 4,033 |
| Average total loans | $60,642,800 | 5,235 |