Home > Farmers State Bank of Western Illinois > Performance and Condition Ratios
Farmers State Bank of Western Illinois, 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 | 4.2620% | 3,501 |
| Cost of funding earning assets | 0.8780% | 3,567 |
| Net interest margin | 3.3841% | 2,437 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.3296% | 2,773 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1170% | 1,870 |
| Return on assets (ROA) | 1.1170% | 1,844 |
| Pretax return on assets | 1.1170% | 2,359 |
| Return on Equity (ROE) | 13.4000% | 1,629 |
| Retained earnings to average equity (ytd only) | 8.3524% | 1,442 |
| Net charge-offs to loans | 0.3016% | 359 |
| Credit loss provision to net charge-offs | 45.2261% | 2,214 |
| Earnings coverage of net charge-offs (x) | 9.7889% | 2,272 |
| Efficiency ratio | 66.5465% | 2,279 |
| Assets per employee ($millions) | 5.4565% | 3,288 |
| Cash dividends to net income (ytd only)* | 37.6749% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 711 |
| Loan loss allowance to noncurrent loans | 265.7005% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 1,729 |
| Noncurrent loans to loans | 0.6300% | 1,253 |
| Net loans and leases to total assets | 39.4700% | 4,056 |
| Net loans and leases to deposits | 44.6605% | 4,082 |
| Net loans and leases to core deposits | 45.0331% | 4,178 |
| Total domestic deposits to total assets | 88.3800% | 1,236 |
| Equity capital to assets | 9.4054% | 2,421 |
| Core capital (leverage) ratio | 13.2078% | 998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $166,338,000 | 3,222 |
| Average earning assets | $153,987,000 | 3,215 |
| Average equity | $13,864,200 | 3,353 |
| Average total loans | $65,981,600 | 3,608 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,569 |
| Cost of funding earning assets | 0.8117% | 3,491 |
| Net interest margin | 3.3327% | 2,615 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3145% | 2,744 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1201% | 1,988 |
| Return on assets (ROA) | 1.1201% | 1,968 |
| Pretax return on assets | 1.1201% | 2,504 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 7.6944% | 2,078 |
| Net charge-offs to loans | 0.0767% | 946 |
| Credit loss provision to net charge-offs | 157.8947% | 1,286 |
| Earnings coverage of net charge-offs (x) | 38.5000% | 1,467 |
| Efficiency ratio | 66.4603% | 2,227 |
| Assets per employee ($millions) | 4.8756% | 3,690 |
| Cash dividends to net income (ytd only)* | 44.5474% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 552 |
| Loan loss allowance to noncurrent loans | 246.4000% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 1,612 |
| Noncurrent loans to loans | 0.7381% | 1,118 |
| Net loans and leases to total assets | 40.1200% | 4,052 |
| Net loans and leases to deposits | 44.5211% | 4,093 |
| Net loans and leases to core deposits | 44.8005% | 4,156 |
| Total domestic deposits to total assets | 90.1200% | 912 |
| Equity capital to assets | 7.6860% | 3,251 |
| Core capital (leverage) ratio | 13.0320% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $166,999,000 | 3,220 |
| Average earning assets | $155,066,750 | 3,216 |
| Average equity | $13,481,250 | 3,377 |
| Average total loans | $66,048,750 | 3,618 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 3,465 |
| Cost of funding earning assets | 0.7632% | 3,322 |
| Net interest margin | 3.3499% | 2,643 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.3033% | 2,796 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.1003% | 2,125 |
| Return on assets (ROA) | 1.1003% | 2,115 |
| Pretax return on assets | 1.1003% | 2,647 |
| Return on Equity (ROE) | 13.4200% | 1,809 |
| Retained earnings to average equity (ytd only) | 6.8619% | 2,334 |
| Net charge-offs to loans | -0.0702% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9677% | 2,107 |
| Assets per employee ($millions) | 5.0323% | 3,573 |
| Cash dividends to net income (ytd only)* | 48.8599% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9845% | 429 |
| Loan loss allowance to noncurrent loans | 343.2065% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 1,927 |
| Noncurrent loans to loans | 0.5782% | 1,293 |
| Net loans and leases to total assets | 38.7400% | 4,084 |
| Net loans and leases to deposits | 43.4033% | 4,124 |
| Net loans and leases to core deposits | 43.6020% | 4,188 |
| Total domestic deposits to total assets | 89.2500% | 1,157 |
| Equity capital to assets | 8.5541% | 2,820 |
| Core capital (leverage) ratio | 12.9896% | 1,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $167,409,000 | 3,231 |
| Average earning assets | $155,406,667 | 3,230 |
| Average equity | $13,728,000 | 3,378 |
| Average total loans | $65,484,333 | 3,627 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,254 |
| Cost of funding earning assets | 0.7705% | 2,837 |
| Net interest margin | 3.3294% | 2,797 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.2439% | 2,971 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.1372% | 2,104 |
| Return on assets (ROA) | 1.1372% | 2,074 |
| Pretax return on assets | 1.1372% | 2,605 |
| Return on Equity (ROE) | 14.1600% | 1,749 |
| Retained earnings to average equity (ytd only) | 9.0481% | 1,937 |
| Net charge-offs to loans | -0.1566% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6829% | 2,243 |
| Assets per employee ($millions) | 4.7741% | 3,819 |
| Cash dividends to net income (ytd only)* | 36.0825% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 510 |
| Loan loss allowance to noncurrent loans | 628.6432% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1191% | 2,680 |
| Noncurrent loans to loans | 0.3051% | 2,054 |
| Net loans and leases to total assets | 38.2900% | 4,104 |
| Net loans and leases to deposits | 42.7401% | 4,137 |
| Net loans and leases to core deposits | 42.9256% | 4,201 |
| Total domestic deposits to total assets | 89.5900% | 1,303 |
| Equity capital to assets | 8.3462% | 3,006 |
| Core capital (leverage) ratio | 11.8275% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $170,597,000 | 3,255 |
| Average earning assets | $158,347,000 | 3,247 |
| Average equity | $13,704,500 | 3,420 |
| Average total loans | $66,404,500 | 3,661 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1716% | 3,870 |
| Cost of funding earning assets | 0.2928% | 2,938 |
| Net interest margin | 2.8788% | 3,729 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.0921% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8447% | 3,176 |
| Return on assets (ROA) | 0.8447% | 3,105 |
| Pretax return on assets | 0.8565% | 3,468 |
| Return on Equity (ROE) | 10.1000% | 2,775 |
| Retained earnings to average equity (ytd only) | 5.7486% | 2,734 |
| Net charge-offs to loans | 0.1454% | 563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 15.9271% | 1,992 |
| Efficiency ratio | 70.9536% | 1,571 |
| Assets per employee ($millions) | 5.1206% | 3,578 |
| Cash dividends to net income (ytd only)* | 43.1034% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 673 |
| Loan loss allowance to noncurrent loans | 590.2439% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 2,701 |
| Noncurrent loans to loans | 0.3034% | 2,054 |
| Net loans and leases to total assets | 38.1200% | 4,140 |
| Net loans and leases to deposits | 42.1734% | 4,168 |
| Net loans and leases to core deposits | 42.3453% | 4,220 |
| Total domestic deposits to total assets | 90.3900% | 1,203 |
| Equity capital to assets | 7.7330% | 3,229 |
| Core capital (leverage) ratio | 11.6954% | 1,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $178,525,400 | 3,204 |
| Average earning assets | $165,623,600 | 3,199 |
| Average equity | $14,925,400 | 3,374 |
| Average total loans | $66,024,400 | 3,642 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9615% | 3,960 |
| Cost of funding earning assets | 0.2207% | 3,030 |
| Net interest margin | 2.7409% | 3,853 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.0901% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7207% | 3,506 |
| Return on assets (ROA) | 0.7207% | 3,456 |
| Pretax return on assets | 0.7363% | 3,720 |
| Return on Equity (ROE) | 8.4700% | 3,180 |
| Retained earnings to average equity (ytd only) | 3.2349% | 3,718 |
| Net charge-offs to loans | 0.1930% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.4421% | 1,984 |
| Efficiency ratio | 73.9496% | 1,278 |
| Assets per employee ($millions) | 4.9858% | 3,682 |
| Cash dividends to net income (ytd only)* | 61.7920% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 683 |
| Loan loss allowance to noncurrent loans | 427.5618% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 2,512 |
| Noncurrent loans to loans | 0.4299% | 1,738 |
| Net loans and leases to total assets | 36.0000% | 4,227 |
| Net loans and leases to deposits | 39.3591% | 4,257 |
| Net loans and leases to core deposits | 40.1950% | 4,271 |
| Total domestic deposits to total assets | 91.4600% | 1,064 |
| Equity capital to assets | 6.6996% | 3,660 |
| Core capital (leverage) ratio | 11.0913% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $179,632,000 | 3,213 |
| Average earning assets | $166,756,000 | 3,208 |
| Average equity | $15,291,000 | 3,383 |
| Average total loans | $65,637,000 | 3,667 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7585% | 4,051 |
| Cost of funding earning assets | 0.2010% | 2,901 |
| Net interest margin | 2.5575% | 3,987 |
| Noninterest income to average assets | 0.2916% | 3,421 |
| Noninterest expense to average assets | 2.0937% | 3,171 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5398% | 3,796 |
| Return on assets (ROA) | 0.5398% | 3,749 |
| Pretax return on assets | 0.5632% | 3,887 |
| Return on Equity (ROE) | 5.9220% | 3,596 |
| Retained earnings to average equity (ytd only) | 1.0379% | 3,987 |
| Net charge-offs to loans | -0.0030% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8018% | 1,033 |
| Assets per employee ($millions) | 4.7770% | 3,864 |
| Cash dividends to net income (ytd only)* | 82.4742% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 556 |
| Loan loss allowance to noncurrent loans | 496.9582% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 2,677 |
| Noncurrent loans to loans | 0.4016% | 1,927 |
| Net loans and leases to total assets | 36.3083% | 4,233 |
| Net loans and leases to deposits | 39.9543% | 4,268 |
| Net loans and leases to core deposits | 40.8199% | 4,300 |
| Total domestic deposits to total assets | 90.8747% | 1,289 |
| Equity capital to assets | 7.3126% | 3,595 |
| Core capital (leverage) ratio | 11.0126% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $179,679,667 | 3,246 |
| Average earning assets | $166,180,000 | 3,256 |
| Average equity | $16,379,667 | 3,374 |
| Average total loans | $65,575,000 | 3,701 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5932% | 4,129 |
| Cost of funding earning assets | 0.1963% | 2,849 |
| Net interest margin | 2.3969% | 4,074 |
| Noninterest income to average assets | 0.2959% | 3,346 |
| Noninterest expense to average assets | 2.0845% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3754% | 4,009 |
| Return on assets (ROA) | 0.3754% | 3,974 |
| Pretax return on assets | 0.4218% | 3,999 |
| Return on Equity (ROE) | 3.7555% | 3,937 |
| Retained earnings to average equity (ytd only) | 1.5464% | 3,671 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1718% | 908 |
| Assets per employee ($millions) | 4.9189% | 3,816 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 575 |
| Loan loss allowance to noncurrent loans | 810.5590% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 3,192 |
| Noncurrent loans to loans | 0.2524% | 2,577 |
| Net loans and leases to total assets | 34.3300% | 4,292 |
| Net loans and leases to deposits | 38.4617% | 4,306 |
| Net loans and leases to core deposits | 39.2836% | 4,329 |
| Total domestic deposits to total assets | 89.2578% | 1,949 |
| Equity capital to assets | 9.0467% | 2,673 |
| Core capital (leverage) ratio | 10.6321% | 1,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,144,500 | 3,241 |
| Average earning assets | $167,052,500 | 3,260 |
| Average equity | $18,107,000 | 3,319 |
| Average total loans | $65,621,500 | 3,705 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1602% | 3,561 |
| Cost of funding earning assets | 0.2230% | 3,223 |
| Net interest margin | 2.9372% | 3,354 |
| Noninterest income to average assets | 0.6716% | 1,866 |
| Noninterest expense to average assets | 2.2105% | 3,046 |
| Loan and lease loss provision to assets | 0.0180% | 2,710 |
| Net operating income to assets | 1.0818% | 2,360 |
| Return on assets (ROA) | 1.0818% | 2,431 |
| Pretax return on assets | 1.0933% | 2,996 |
| Return on Equity (ROE) | 9.2814% | 2,789 |
| Retained earnings to average equity (ytd only) | 6.8335% | 1,989 |
| Net charge-offs to loans | -0.0658% | 4,437 |
| Credit loss provision to net charge-offs | -68.1818% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5461% | 2,184 |
| Assets per employee ($millions) | 4.5072% | 4,109 |
| Cash dividends to net income (ytd only)* | 26.3742% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 681 |
| Loan loss allowance to noncurrent loans | 1,254.8077% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,116 |
| Noncurrent loans to loans | 0.1542% | 3,167 |
| Net loans and leases to total assets | 36.6924% | 4,255 |
| Net loans and leases to deposits | 41.9845% | 4,274 |
| Net loans and leases to core deposits | 42.9082% | 4,305 |
| Total domestic deposits to total assets | 87.3952% | 2,337 |
| Equity capital to assets | 10.9541% | 1,818 |
| Core capital (leverage) ratio | 11.3065% | 1,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $166,474,800 | 3,334 |
| Average earning assets | $150,212,800 | 3,376 |
| Average equity | $19,404,400 | 3,263 |
| Average total loans | $66,834,000 | 3,713 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 3,277 |
| Cost of funding earning assets | 0.2328% | 3,293 |
| Net interest margin | 3.1079% | 3,031 |
| Noninterest income to average assets | 0.3108% | 3,568 |
| Noninterest expense to average assets | 2.3121% | 2,718 |
| Loan and lease loss provision to assets | 0.0245% | 2,504 |
| Net operating income to assets | 0.7426% | 3,671 |
| Return on assets (ROA) | 0.7426% | 3,733 |
| Pretax return on assets | 0.7582% | 3,961 |
| Return on Equity (ROE) | 6.2668% | 3,852 |
| Retained earnings to average equity (ytd only) | 2.9885% | 3,914 |
| Net charge-offs to loans | -0.0320% | 4,159 |
| Credit loss provision to net charge-offs | -187.5000% | 3,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7093% | 1,156 |
| Assets per employee ($millions) | 4.4275% | 4,173 |
| Cash dividends to net income (ytd only)* | 52.3128% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8896% | 787 |
| Loan loss allowance to noncurrent loans | 983.0769% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 3,182 |
| Noncurrent loans to loans | 0.1922% | 3,174 |
| Net loans and leases to total assets | 38.4285% | 4,279 |
| Net loans and leases to deposits | 44.1549% | 4,303 |
| Net loans and leases to core deposits | 45.1727% | 4,348 |
| Total domestic deposits to total assets | 87.0311% | 2,342 |
| Equity capital to assets | 11.2171% | 1,877 |
| Core capital (leverage) ratio | 11.2435% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,021,500 | 3,398 |
| Average earning assets | $146,030,750 | 3,448 |
| Average equity | $19,318,250 | 3,311 |
| Average total loans | $66,678,250 | 3,762 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 2,694 |
| Cost of funding earning assets | 0.2394% | 3,380 |
| Net interest margin | 3.3384% | 2,335 |
| Noninterest income to average assets | 0.3354% | 3,421 |
| Noninterest expense to average assets | 2.3541% | 2,608 |
| Loan and lease loss provision to assets | 0.0375% | 2,239 |
| Net operating income to assets | 0.9224% | 3,154 |
| Return on assets (ROA) | 0.9224% | 3,233 |
| Pretax return on assets | 0.9462% | 3,553 |
| Return on Equity (ROE) | 7.6368% | 3,495 |
| Retained earnings to average equity (ytd only) | 4.2691% | 3,437 |
| Net charge-offs to loans | 0.0934% | 778 |
| Credit loss provision to net charge-offs | 96.7742% | 1,405 |
| Earnings coverage of net charge-offs (x) | 25.3548% | 1,410 |
| Efficiency ratio | 70.5287% | 1,576 |
| Assets per employee ($millions) | 3.8893% | 4,502 |
| Cash dividends to net income (ytd only)* | 44.0977% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9001% | 736 |
| Loan loss allowance to noncurrent loans | 799.3506% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,942 |
| Noncurrent loans to loans | 0.2377% | 3,096 |
| Net loans and leases to total assets | 38.9068% | 4,338 |
| Net loans and leases to deposits | 45.0170% | 4,348 |
| Net loans and leases to core deposits | 46.1209% | 4,391 |
| Total domestic deposits to total assets | 86.4269% | 2,580 |
| Equity capital to assets | 11.7917% | 1,464 |
| Core capital (leverage) ratio | 11.5438% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,804,000 | 3,435 |
| Average earning assets | $143,722,333 | 3,480 |
| Average equity | $19,301,333 | 3,303 |
| Average total loans | $66,359,667 | 3,789 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4376% | 3,094 |
| Cost of funding earning assets | 0.2534% | 3,443 |
| Net interest margin | 3.1842% | 2,747 |
| Noninterest income to average assets | 0.3291% | 3,456 |
| Noninterest expense to average assets | 2.3793% | 2,564 |
| Loan and lease loss provision to assets | 0.0380% | 2,268 |
| Net operating income to assets | 0.7264% | 3,646 |
| Return on assets (ROA) | 0.7264% | 3,710 |
| Pretax return on assets | 0.7745% | 3,857 |
| Return on Equity (ROE) | 5.9417% | 3,874 |
| Retained earnings to average equity (ytd only) | 2.8363% | 3,830 |
| Net charge-offs to loans | 0.0060% | 1,688 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 321.0000% | 282 |
| Efficiency ratio | 74.5440% | 1,261 |
| Assets per employee ($millions) | 4.0083% | 4,473 |
| Cash dividends to net income (ytd only)* | 52.2648% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8927% | 745 |
| Loan loss allowance to noncurrent loans | 289.0951% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 2,646 |
| Noncurrent loans to loans | 0.6547% | 1,934 |
| Net loans and leases to total assets | 40.2825% | 4,326 |
| Net loans and leases to deposits | 46.7076% | 4,315 |
| Net loans and leases to core deposits | 47.8744% | 4,381 |
| Total domestic deposits to total assets | 86.2440% | 2,652 |
| Equity capital to assets | 11.9896% | 1,290 |
| Core capital (leverage) ratio | 11.4674% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,030,000 | 3,458 |
| Average earning assets | $142,077,500 | 3,496 |
| Average equity | $19,321,000 | 3,298 |
| Average total loans | $67,146,500 | 3,791 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 3,471 |
| Cost of funding earning assets | 0.3617% | 3,811 |
| Net interest margin | 3.3783% | 2,840 |
| Noninterest income to average assets | 0.3537% | 3,350 |
| Noninterest expense to average assets | 2.4776% | 2,916 |
| Loan and lease loss provision to assets | 0.0812% | 3,360 |
| Net operating income to assets | 0.8002% | 3,093 |
| Return on assets (ROA) | 0.8002% | 3,215 |
| Pretax return on assets | 0.8144% | 3,599 |
| Return on Equity (ROE) | 6.1908% | 3,519 |
| Retained earnings to average equity (ytd only) | 1.3501% | 4,088 |
| Net charge-offs to loans | 0.1810% | 928 |
| Credit loss provision to net charge-offs | 93.0233% | 2,903 |
| Earnings coverage of net charge-offs (x) | 10.2636% | 2,473 |
| Efficiency ratio | 73.4510% | 1,512 |
| Assets per employee ($millions) | 3.8933% | 4,445 |
| Cash dividends to net income (ytd only)* | 78.1910% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 858 |
| Loan loss allowance to noncurrent loans | 515.4812% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 3,356 |
| Noncurrent loans to loans | 0.3491% | 2,948 |
| Net loans and leases to total assets | 43.1709% | 4,296 |
| Net loans and leases to deposits | 50.3350% | 4,299 |
| Net loans and leases to core deposits | 51.6344% | 4,363 |
| Total domestic deposits to total assets | 85.7670% | 2,466 |
| Equity capital to assets | 12.4697% | 1,344 |
| Core capital (leverage) ratio | 11.5456% | 1,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,845,400 | 3,428 |
| Average earning assets | $132,138,800 | 3,482 |
| Average equity | $19,109,000 | 3,268 |
| Average total loans | $71,287,800 | 3,703 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,247 |
| Cost of funding earning assets | 0.3905% | 3,859 |
| Net interest margin | 3.5111% | 2,558 |
| Noninterest income to average assets | 0.4022% | 3,068 |
| Noninterest expense to average assets | 2.5565% | 2,674 |
| Loan and lease loss provision to assets | 0.0823% | 3,285 |
| Net operating income to assets | 0.8838% | 2,759 |
| Return on assets (ROA) | 0.8838% | 2,885 |
| Pretax return on assets | 0.9030% | 3,375 |
| Return on Equity (ROE) | 6.7746% | 3,283 |
| Retained earnings to average equity (ytd only) | 2.2208% | 3,853 |
| Net charge-offs to loans | 0.0204% | 2,446 |
| Credit loss provision to net charge-offs | 818.1818% | 964 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 801 |
| Efficiency ratio | 72.1806% | 1,620 |
| Assets per employee ($millions) | 3.8124% | 4,470 |
| Cash dividends to net income (ytd only)* | 67.2182% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 601 |
| Loan loss allowance to noncurrent loans | 255.8140% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 2,361 |
| Noncurrent loans to loans | 0.7380% | 1,964 |
| Net loans and leases to total assets | 44.9825% | 4,369 |
| Net loans and leases to deposits | 52.7078% | 4,383 |
| Net loans and leases to core deposits | 54.1008% | 4,442 |
| Total domestic deposits to total assets | 85.3431% | 2,308 |
| Equity capital to assets | 12.8352% | 1,254 |
| Core capital (leverage) ratio | 12.2182% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,874,250 | 3,435 |
| Average earning assets | $130,440,750 | 3,491 |
| Average equity | $19,031,500 | 3,272 |
| Average total loans | $71,994,250 | 3,706 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1055% | 3,039 |
| Cost of funding earning assets | 0.4337% | 3,880 |
| Net interest margin | 3.6718% | 2,263 |
| Noninterest income to average assets | 0.3926% | 3,130 |
| Noninterest expense to average assets | 2.5824% | 2,726 |
| Loan and lease loss provision to assets | 0.0835% | 3,237 |
| Net operating income to assets | 0.9856% | 2,379 |
| Return on assets (ROA) | 0.9856% | 2,514 |
| Pretax return on assets | 1.0148% | 2,982 |
| Return on Equity (ROE) | 7.5115% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.7373% | 3,484 |
| Net charge-offs to loans | 0.0110% | 2,556 |
| Credit loss provision to net charge-offs | 1,500.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 197.2500% | 459 |
| Efficiency ratio | 70.1589% | 1,934 |
| Assets per employee ($millions) | 3.5890% | 4,612 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 623 |
| Loan loss allowance to noncurrent loans | 323.4414% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3948% | 2,716 |
| Noncurrent loans to loans | 0.5639% | 2,472 |
| Net loans and leases to total assets | 47.4438% | 4,286 |
| Net loans and leases to deposits | 55.9335% | 4,296 |
| Net loans and leases to core deposits | 57.5933% | 4,370 |
| Total domestic deposits to total assets | 84.8217% | 2,463 |
| Equity capital to assets | 13.2830% | 1,048 |
| Core capital (leverage) ratio | 12.8257% | 1,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7241% | 607 |
| Memoranda: | ||
| Average total assets | $143,667,333 | 3,443 |
| Average earning assets | $128,657,333 | 3,489 |
| Average equity | $18,851,000 | 3,280 |
| Average total loans | $72,687,000 | 3,701 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 3,300 |
| Cost of funding earning assets | 0.5005% | 3,943 |
| Net interest margin | 3.6758% | 2,416 |
| Noninterest income to average assets | 0.3636% | 3,335 |
| Noninterest expense to average assets | 2.6324% | 2,881 |
| Loan and lease loss provision to assets | 0.0846% | 2,634 |
| Net operating income to assets | 0.8991% | 2,526 |
| Return on assets (ROA) | 0.8991% | 2,627 |
| Pretax return on assets | 0.9582% | 2,974 |
| Return on Equity (ROE) | 6.8960% | 2,993 |
| Retained earnings to average equity (ytd only) | 2.0320% | 3,436 |
| Net charge-offs to loans | 0.0109% | 2,193 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 365 |
| Efficiency ratio | 71.6258% | 2,135 |
| Assets per employee ($millions) | 3.4901% | 4,490 |
| Cash dividends to net income (ytd only)* | 70.5329% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 795 |
| Loan loss allowance to noncurrent loans | 114.9457% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,545 |
| Noncurrent loans to loans | 1.5176% | 1,054 |
| Net loans and leases to total assets | 51.2005% | 4,169 |
| Net loans and leases to deposits | 60.3597% | 4,182 |
| Net loans and leases to core deposits | 64.0449% | 4,165 |
| Total domestic deposits to total assets | 84.8256% | 2,477 |
| Equity capital to assets | 13.3055% | 1,303 |
| Core capital (leverage) ratio | 12.8398% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8248% | 766 |
| Memoranda: | ||
| Average total assets | $141,925,500 | 3,437 |
| Average earning assets | $127,864,000 | 3,475 |
| Average equity | $18,503,500 | 3,321 |
| Average total loans | $73,475,000 | 3,689 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4632% | 3,076 |
| Cost of funding earning assets | 0.5137% | 4,033 |
| Net interest margin | 3.9495% | 2,002 |
| Noninterest income to average assets | 0.4122% | 3,217 |
| Noninterest expense to average assets | 2.5810% | 3,232 |
| Loan and lease loss provision to assets | 0.0862% | 2,287 |
| Net operating income to assets | 1.2941% | 1,715 |
| Return on assets (ROA) | 1.2941% | 1,790 |
| Pretax return on assets | 1.3121% | 2,472 |
| Return on Equity (ROE) | 10.1853% | 2,213 |
| Retained earnings to average equity (ytd only) | 3.8265% | 3,063 |
| Net charge-offs to loans | 0.2017% | 1,012 |
| Credit loss provision to net charge-offs | 79.4702% | 2,801 |
| Earnings coverage of net charge-offs (x) | 12.8940% | 2,389 |
| Efficiency ratio | 64.8619% | 2,958 |
| Assets per employee ($millions) | 3.6062% | 4,364 |
| Cash dividends to net income (ytd only)* | 62.4306% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 845 |
| Loan loss allowance to noncurrent loans | 340.9341% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3175% | 3,150 |
| Noncurrent loans to loans | 0.4905% | 2,713 |
| Net loans and leases to total assets | 50.5813% | 4,301 |
| Net loans and leases to deposits | 59.1873% | 4,323 |
| Net loans and leases to core deposits | 62.4937% | 4,341 |
| Total domestic deposits to total assets | 85.4597% | 2,314 |
| Equity capital to assets | 12.7781% | 1,658 |
| Core capital (leverage) ratio | 12.4400% | 1,520 |
| Tier 1 risk-based capital ratio | 18.3858% | 1,669 |
| Total risk-based capital ratio | 19.7373% | 1,609 |
| Memoranda: | ||
| Average total assets | $139,247,000 | 3,449 |
| Average earning assets | $125,762,400 | 3,485 |
| Average equity | $17,692,200 | 3,370 |
| Average total loans | $74,871,600 | 3,683 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 3,025 |
| Cost of funding earning assets | 0.5103% | 4,100 |
| Net interest margin | 4.0003% | 1,941 |
| Noninterest income to average assets | 0.4309% | 3,136 |
| Noninterest expense to average assets | 2.5681% | 3,250 |
| Loan and lease loss provision to assets | 0.0870% | 2,179 |
| Net operating income to assets | 1.3642% | 1,595 |
| Return on assets (ROA) | 1.3642% | 1,664 |
| Pretax return on assets | 1.3884% | 2,354 |
| Return on Equity (ROE) | 10.7534% | 2,121 |
| Retained earnings to average equity (ytd only) | 2.7569% | 3,989 |
| Net charge-offs to loans | 0.0213% | 2,682 |
| Credit loss provision to net charge-offs | 750.0000% | 452 |
| Earnings coverage of net charge-offs (x) | 127.2469% | 619 |
| Efficiency ratio | 63.5125% | 3,091 |
| Assets per employee ($millions) | 3.6111% | 4,377 |
| Cash dividends to net income (ytd only)* | 74.3629% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7769% | 716 |
| Loan loss allowance to noncurrent loans | 360.0000% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 3,424 |
| Noncurrent loans to loans | 0.4936% | 2,815 |
| Net loans and leases to total assets | 51.6633% | 4,331 |
| Net loans and leases to deposits | 60.3183% | 4,369 |
| Net loans and leases to core deposits | 63.5201% | 4,398 |
| Total domestic deposits to total assets | 85.6511% | 2,140 |
| Equity capital to assets | 12.5316% | 1,893 |
| Core capital (leverage) ratio | 13.1480% | 1,282 |
| Tier 1 risk-based capital ratio | 19.5043% | 1,459 |
| Total risk-based capital ratio | 20.7566% | 1,428 |
| Memoranda: | ||
| Average total assets | $137,997,000 | 3,496 |
| Average earning assets | $124,621,000 | 3,537 |
| Average equity | $17,507,250 | 3,415 |
| Average total loans | $75,038,750 | 3,723 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 2,771 |
| Cost of funding earning assets | 0.4933% | 4,144 |
| Net interest margin | 4.0764% | 1,682 |
| Noninterest income to average assets | 0.4446% | 2,986 |
| Noninterest expense to average assets | 2.6044% | 3,189 |
| Loan and lease loss provision to assets | 0.0883% | 2,078 |
| Net operating income to assets | 1.4133% | 1,396 |
| Return on assets (ROA) | 1.4133% | 1,448 |
| Pretax return on assets | 1.4501% | 2,029 |
| Return on Equity (ROE) | 11.0923% | 1,941 |
| Retained earnings to average equity (ytd only) | 1.2710% | 4,360 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8643% | 3,308 |
| Assets per employee ($millions) | 3.2923% | 4,701 |
| Cash dividends to net income (ytd only)* | 88.5417% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 709 |
| Loan loss allowance to noncurrent loans | 340.6650% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 3,283 |
| Noncurrent loans to loans | 0.5221% | 2,717 |
| Net loans and leases to total assets | 54.4995% | 4,181 |
| Net loans and leases to deposits | 64.0738% | 4,223 |
| Net loans and leases to core deposits | 67.7656% | 4,220 |
| Total domestic deposits to total assets | 85.0574% | 2,450 |
| Equity capital to assets | 13.0313% | 1,570 |
| Core capital (leverage) ratio | 13.1706% | 1,228 |
| Tier 1 risk-based capital ratio | 19.5169% | 1,433 |
| Total risk-based capital ratio | 20.7699% | 1,405 |
| Memoranda: | ||
| Average total assets | $135,848,330 | 3,545 |
| Average earning assets | $123,245,670 | 3,577 |
| Average equity | $17,309,330 | 3,432 |
| Average total loans | $74,727,000 | 3,750 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,445 |
| Cost of funding earning assets | 0.4615% | 4,236 |
| Net interest margin | 4.1660% | 1,386 |
| Noninterest income to average assets | 0.4197% | 3,058 |
| Noninterest expense to average assets | 2.6005% | 3,218 |
| Loan and lease loss provision to assets | 0.0881% | 1,955 |
| Net operating income to assets | 1.4470% | 1,244 |
| Return on assets (ROA) | 1.4470% | 1,272 |
| Pretax return on assets | 1.5204% | 1,702 |
| Return on Equity (ROE) | 11.4858% | 1,743 |
| Retained earnings to average equity (ytd only) | 6.2438% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7852% | 3,569 |
| Assets per employee ($millions) | 3.4402% | 4,616 |
| Cash dividends to net income (ytd only)* | 45.6389% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 770 |
| Loan loss allowance to noncurrent loans | 386.3501% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 3,507 |
| Noncurrent loans to loans | 0.4540% | 2,956 |
| Net loans and leases to total assets | 54.3498% | 4,189 |
| Net loans and leases to deposits | 63.8308% | 4,188 |
| Net loans and leases to core deposits | 67.5145% | 4,205 |
| Total domestic deposits to total assets | 85.1468% | 2,626 |
| Equity capital to assets | 13.0197% | 1,442 |
| Core capital (leverage) ratio | 13.0665% | 1,241 |
| Tier 1 risk-based capital ratio | 19.7790% | 1,380 |
| Total risk-based capital ratio | 21.0320% | 1,358 |
| Memoranda: | ||
| Average total assets | $136,281,000 | 3,573 |
| Average earning assets | $123,955,000 | 3,601 |
| Average equity | $17,169,000 | 3,462 |
| Average total loans | $74,642,000 | 3,788 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3070% | 3,084 |
| Cost of funding earning assets | 0.3845% | 4,084 |
| Net interest margin | 3.9226% | 2,251 |
| Noninterest income to average assets | 0.4634% | 3,031 |
| Noninterest expense to average assets | 2.5411% | 3,499 |
| Loan and lease loss provision to assets | 0.2193% | 823 |
| Net operating income to assets | 1.2212% | 2,083 |
| Return on assets (ROA) | 1.2212% | 2,076 |
| Pretax return on assets | 1.2300% | 2,776 |
| Return on Equity (ROE) | 10.2971% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.8295% | 2,280 |
| Net charge-offs to loans | -0.0624% | 5,036 |
| Credit loss provision to net charge-offs | -625.0000% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6813% | 3,225 |
| Assets per employee ($millions) | 3.3755% | 4,683 |
| Cash dividends to net income (ytd only)* | 43.3872% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6946% | 843 |
| Loan loss allowance to noncurrent loans | 532.2176% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 3,843 |
| Noncurrent loans to loans | 0.3184% | 3,412 |
| Net loans and leases to total assets | 53.3187% | 4,331 |
| Net loans and leases to deposits | 61.9286% | 4,382 |
| Net loans and leases to core deposits | 65.3330% | 4,390 |
| Total domestic deposits to total assets | 86.0971% | 2,183 |
| Equity capital to assets | 12.1897% | 1,765 |
| Core capital (leverage) ratio | 12.5852% | 1,415 |
| Tier 1 risk-based capital ratio | 19.1476% | 1,487 |
| Total risk-based capital ratio | 20.3991% | 1,454 |
| Memoranda: | ||
| Average total assets | $136,829,200 | 3,552 |
| Average earning assets | $123,031,200 | 3,600 |
| Average equity | $16,227,800 | 3,496 |
| Average total loans | $76,905,800 | 3,730 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2672% | 3,081 |
| Cost of funding earning assets | 0.3662% | 4,077 |
| Net interest margin | 3.9010% | 2,298 |
| Noninterest income to average assets | 0.4446% | 3,207 |
| Noninterest expense to average assets | 2.5955% | 3,293 |
| Loan and lease loss provision to assets | 0.2199% | 753 |
| Net operating income to assets | 1.1150% | 2,603 |
| Return on assets (ROA) | 1.1150% | 2,617 |
| Pretax return on assets | 1.1267% | 3,285 |
| Return on Equity (ROE) | 9.4683% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.0744% | 3,739 |
| Net charge-offs to loans | -0.0758% | 5,078 |
| Credit loss provision to net charge-offs | -511.3636% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8404% | 2,897 |
| Assets per employee ($millions) | 3.1791% | 4,903 |
| Cash dividends to net income (ytd only)* | 56.9677% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5801% | 1,123 |
| Loan loss allowance to noncurrent loans | 441.8519% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,648 |
| Noncurrent loans to loans | 0.3576% | 3,370 |
| Net loans and leases to total assets | 53.1226% | 4,411 |
| Net loans and leases to deposits | 61.2777% | 4,481 |
| Net loans and leases to core deposits | 64.5710% | 4,484 |
| Total domestic deposits to total assets | 86.6916% | 1,872 |
| Equity capital to assets | 11.5597% | 2,217 |
| Core capital (leverage) ratio | 12.5015% | 1,499 |
| Tier 1 risk-based capital ratio | 18.3535% | 1,706 |
| Total risk-based capital ratio | 19.6039% | 1,659 |
| Memoranda: | ||
| Average total assets | $136,437,500 | 3,595 |
| Average earning assets | $122,326,000 | 3,643 |
| Average equity | $16,067,250 | 3,538 |
| Average total loans | $77,366,500 | 3,750 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 3,006 |
| Cost of funding earning assets | 0.3513% | 4,069 |
| Net interest margin | 3.8806% | 2,274 |
| Noninterest income to average assets | 0.4450% | 3,189 |
| Noninterest expense to average assets | 2.6344% | 3,207 |
| Loan and lease loss provision to assets | 0.2217% | 736 |
| Net operating income to assets | 1.0333% | 2,881 |
| Return on assets (ROA) | 1.0333% | 2,878 |
| Pretax return on assets | 1.0511% | 3,511 |
| Return on Equity (ROE) | 8.7195% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.7942% | 4,136 |
| Net charge-offs to loans | -0.1154% | 5,204 |
| Credit loss provision to net charge-offs | -333.3333% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4234% | 2,744 |
| Assets per employee ($millions) | 2.9663% | 5,119 |
| Cash dividends to net income (ytd only)* | 67.9542% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 1,568 |
| Loan loss allowance to noncurrent loans | 236.5751% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.3918% | 3,172 |
| Noncurrent loans to loans | 0.6125% | 2,580 |
| Net loans and leases to total assets | 57.0185% | 4,083 |
| Net loans and leases to deposits | 66.0907% | 4,159 |
| Net loans and leases to core deposits | 69.9971% | 4,144 |
| Total domestic deposits to total assets | 86.2732% | 2,154 |
| Equity capital to assets | 11.9536% | 1,882 |
| Core capital (leverage) ratio | 12.5042% | 1,434 |
| Tier 1 risk-based capital ratio | 16.3072% | 2,328 |
| Total risk-based capital ratio | 17.4047% | 2,318 |
| Memoranda: | ||
| Average total assets | $135,289,330 | 3,630 |
| Average earning assets | $120,703,330 | 3,695 |
| Average equity | $16,033,000 | 3,562 |
| Average total loans | $77,988,000 | 3,754 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 3,115 |
| Cost of funding earning assets | 0.3227% | 4,185 |
| Net interest margin | 3.8100% | 2,384 |
| Noninterest income to average assets | 0.4112% | 3,387 |
| Noninterest expense to average assets | 2.6110% | 3,306 |
| Loan and lease loss provision to assets | 0.2203% | 716 |
| Net operating income to assets | 0.9428% | 3,100 |
| Return on assets (ROA) | 0.9428% | 3,115 |
| Pretax return on assets | 0.9780% | 3,609 |
| Return on Equity (ROE) | 7.9893% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.1226% | 2,653 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5428% | 2,742 |
| Assets per employee ($millions) | 3.0251% | 5,132 |
| Cash dividends to net income (ytd only)* | 23.3645% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 2,396 |
| Loan loss allowance to noncurrent loans | 263.5884% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 3,568 |
| Noncurrent loans to loans | 0.4821% | 3,070 |
| Net loans and leases to total assets | 57.0105% | 4,027 |
| Net loans and leases to deposits | 65.8652% | 4,095 |
| Net loans and leases to core deposits | 69.8482% | 4,087 |
| Total domestic deposits to total assets | 86.5563% | 2,290 |
| Equity capital to assets | 11.7600% | 1,940 |
| Core capital (leverage) ratio | 12.2383% | 1,504 |
| Tier 1 risk-based capital ratio | 17.3134% | 2,029 |
| Total risk-based capital ratio | 18.3523% | 2,041 |
| Memoranda: | ||
| Average total assets | $136,192,500 | 3,658 |
| Average earning assets | $121,470,000 | 3,725 |
| Average equity | $16,071,500 | 3,583 |
| Average total loans | $78,367,500 | 3,772 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 3,097 |
| Cost of funding earning assets | 0.2916% | 4,215 |
| Net interest margin | 3.7965% | 2,437 |
| Noninterest income to average assets | 0.5235% | 2,855 |
| Noninterest expense to average assets | 2.7177% | 3,070 |
| Loan and lease loss provision to assets | 0.4552% | 300 |
| Net operating income to assets | 0.7337% | 3,458 |
| Return on assets (ROA) | 0.7337% | 3,501 |
| Pretax return on assets | 0.7390% | 4,415 |
| Return on Equity (ROE) | 6.0362% | 3,743 |
| Retained earnings to average equity (ytd only) | 2.1348% | 4,038 |
| Net charge-offs to loans | 0.6740% | 320 |
| Credit loss provision to net charge-offs | 116.5049% | 2,242 |
| Earnings coverage of net charge-offs (x) | 3.0563% | 3,655 |
| Efficiency ratio | 69.4725% | 2,627 |
| Assets per employee ($millions) | 3.0967% | 5,128 |
| Cash dividends to net income (ytd only)* | 64.6329% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,890 |
| Loan loss allowance to noncurrent loans | 156.9728% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 2,997 |
| Noncurrent loans to loans | 0.7526% | 2,320 |
| Net loans and leases to total assets | 56.6618% | 4,134 |
| Net loans and leases to deposits | 65.4815% | 4,226 |
| Net loans and leases to core deposits | 69.2239% | 4,224 |
| Total domestic deposits to total assets | 86.5310% | 2,214 |
| Equity capital to assets | 11.8411% | 1,949 |
| Core capital (leverage) ratio | 11.9640% | 1,622 |
| Tier 1 risk-based capital ratio | 17.6985% | 1,888 |
| Total risk-based capital ratio | 18.6944% | 1,916 |
| Memoranda: | ||
| Average total assets | $131,801,600 | 3,722 |
| Average earning assets | $117,635,400 | 3,795 |
| Average equity | $16,020,000 | 3,591 |
| Average total loans | $76,406,800 | 3,811 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0801% | 3,053 |
| Cost of funding earning assets | 0.2860% | 4,260 |
| Net interest margin | 3.7940% | 2,424 |
| Noninterest income to average assets | 0.5091% | 2,974 |
| Noninterest expense to average assets | 2.8035% | 2,715 |
| Loan and lease loss provision to assets | 0.4591% | 276 |
| Net operating income to assets | 0.6223% | 4,307 |
| Return on assets (ROA) | 0.6223% | 4,354 |
| Pretax return on assets | 0.6295% | 4,778 |
| Return on Equity (ROE) | 5.0859% | 4,502 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,939 |
| Net charge-offs to loans | 0.5194% | 394 |
| Credit loss provision to net charge-offs | 152.0270% | 1,672 |
| Earnings coverage of net charge-offs (x) | 3.6047% | 3,318 |
| Efficiency ratio | 72.0315% | 2,201 |
| Assets per employee ($millions) | 2.8485% | 5,359 |
| Cash dividends to net income (ytd only)* | 77.8694% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,583 |
| Loan loss allowance to noncurrent loans | 57.9347% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 1,245 |
| Noncurrent loans to loans | 2.1737% | 753 |
| Net loans and leases to total assets | 56.9444% | 4,156 |
| Net loans and leases to deposits | 65.8199% | 4,266 |
| Net loans and leases to core deposits | 69.5598% | 4,268 |
| Total domestic deposits to total assets | 86.5156% | 2,097 |
| Equity capital to assets | 11.8659% | 2,059 |
| Core capital (leverage) ratio | 12.3182% | 1,502 |
| Tier 1 risk-based capital ratio | 17.2283% | 2,082 |
| Total risk-based capital ratio | 18.2843% | 2,100 |
| Memoranda: | ||
| Average total assets | $130,688,500 | 3,777 |
| Average earning assets | $116,530,500 | 3,848 |
| Average equity | $15,991,500 | 3,629 |
| Average total loans | $75,976,750 | 3,861 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,081 |
| Cost of funding earning assets | 0.2809% | 4,276 |
| Net interest margin | 3.7512% | 2,465 |
| Noninterest income to average assets | 0.5238% | 2,870 |
| Noninterest expense to average assets | 2.8506% | 2,582 |
| Loan and lease loss provision to assets | 0.4663% | 259 |
| Net operating income to assets | 0.5378% | 4,582 |
| Return on assets (ROA) | 0.5378% | 4,619 |
| Pretax return on assets | 0.5487% | 4,907 |
| Return on Equity (ROE) | 4.3484% | 4,711 |
| Retained earnings to average equity (ytd only) | 0.2639% | 5,018 |
| Net charge-offs to loans | 0.7918% | 248 |
| Credit loss provision to net charge-offs | 101.0101% | 1,992 |
| Earnings coverage of net charge-offs (x) | 2.1987% | 3,193 |
| Efficiency ratio | 73.7435% | 2,063 |
| Assets per employee ($millions) | 2.7111% | 5,470 |
| Cash dividends to net income (ytd only)* | 93.9306% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 3,565 |
| Loan loss allowance to noncurrent loans | 128.3537% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,953 |
| Noncurrent loans to loans | 0.8601% | 2,264 |
| Net loans and leases to total assets | 57.9619% | 4,040 |
| Net loans and leases to deposits | 67.4485% | 4,113 |
| Net loans and leases to core deposits | 73.0266% | 4,018 |
| Total domestic deposits to total assets | 85.9351% | 2,398 |
| Equity capital to assets | 12.3913% | 1,677 |
| Core capital (leverage) ratio | 12.5815% | 1,337 |
| Tier 1 risk-based capital ratio | 17.8433% | 1,906 |
| Total risk-based capital ratio | 18.7750% | 1,953 |
| Memoranda: | ||
| Average total assets | $128,675,330 | 3,834 |
| Average earning assets | $114,629,330 | 3,900 |
| Average equity | $15,914,000 | 3,647 |
| Average total loans | $75,018,330 | 3,898 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,549 |
| Cost of funding earning assets | 0.2670% | 4,386 |
| Net interest margin | 3.5934% | 2,908 |
| Noninterest income to average assets | 0.4658% | 3,217 |
| Noninterest expense to average assets | 2.8105% | 2,757 |
| Loan and lease loss provision to assets | 0.4689% | 222 |
| Net operating income to assets | 0.3627% | 5,042 |
| Return on assets (ROA) | 0.3627% | 5,063 |
| Pretax return on assets | 0.3845% | 5,186 |
| Return on Equity (ROE) | 2.9351% | 5,120 |
| Retained earnings to average equity (ytd only) | -0.8603% | 5,043 |
| Net charge-offs to loans | 1.5593% | 101 |
| Credit loss provision to net charge-offs | 51.7241% | 1,970 |
| Earnings coverage of net charge-offs (x) | 0.9414% | 2,777 |
| Efficiency ratio | 76.7065% | 1,804 |
| Assets per employee ($millions) | 2.7285% | 5,522 |
| Cash dividends to net income (ytd only)* | 129.3103% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,645 |
| Loan loss allowance to noncurrent loans | 116.3062% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 2,991 |
| Noncurrent loans to loans | 0.7987% | 2,460 |
| Net loans and leases to total assets | 58.1297% | 3,958 |
| Net loans and leases to deposits | 67.5967% | 4,029 |
| Net loans and leases to core deposits | 72.0618% | 3,978 |
| Total domestic deposits to total assets | 85.9949% | 2,667 |
| Equity capital to assets | 12.4026% | 1,592 |
| Core capital (leverage) ratio | 12.4721% | 1,353 |
| Tier 1 risk-based capital ratio | 17.6578% | 1,990 |
| Total risk-based capital ratio | 18.4279% | 2,075 |
| Memoranda: | ||
| Average total assets | $127,947,000 | 3,876 |
| Average earning assets | $113,876,500 | 3,946 |
| Average equity | $15,808,500 | 3,684 |
| Average total loans | $74,393,000 | 3,941 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9683% | 3,319 |
| Cost of funding earning assets | 0.2636% | 4,429 |
| Net interest margin | 3.7046% | 2,675 |
| Noninterest income to average assets | 0.5273% | 3,042 |
| Noninterest expense to average assets | 2.7433% | 3,214 |
| Loan and lease loss provision to assets | 0.2929% | 652 |
| Net operating income to assets | 0.7764% | 3,423 |
| Return on assets (ROA) | 0.7764% | 3,526 |
| Pretax return on assets | 0.7842% | 4,231 |
| Return on Equity (ROE) | 6.1653% | 3,895 |
| Retained earnings to average equity (ytd only) | 0.2729% | 5,210 |
| Net charge-offs to loans | 0.4368% | 587 |
| Credit loss provision to net charge-offs | 119.0476% | 2,231 |
| Earnings coverage of net charge-offs (x) | 4.3778% | 3,508 |
| Efficiency ratio | 71.8054% | 2,617 |
| Assets per employee ($millions) | 2.7751% | 5,510 |
| Cash dividends to net income (ytd only)* | 95.5734% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,483 |
| Loan loss allowance to noncurrent loans | 106.6074% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 2,450 |
| Noncurrent loans to loans | 1.0701% | 1,938 |
| Net loans and leases to total assets | 56.9527% | 4,170 |
| Net loans and leases to deposits | 66.1755% | 4,231 |
| Net loans and leases to core deposits | 70.5574% | 4,195 |
| Total domestic deposits to total assets | 86.0632% | 2,549 |
| Equity capital to assets | 12.3082% | 1,627 |
| Core capital (leverage) ratio | 12.4223% | 1,375 |
| Tier 1 risk-based capital ratio | 18.3603% | 1,757 |
| Total risk-based capital ratio | 19.3194% | 1,793 |
| Memoranda: | ||
| Average total assets | $128,021,600 | 3,862 |
| Average earning assets | $113,803,200 | 3,934 |
| Average equity | $16,122,400 | 3,679 |
| Average total loans | $72,123,200 | 3,993 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,402 |
| Cost of funding earning assets | 0.2610% | 4,496 |
| Net interest margin | 3.6929% | 2,745 |
| Noninterest income to average assets | 0.5131% | 3,161 |
| Noninterest expense to average assets | 2.8058% | 2,989 |
| Loan and lease loss provision to assets | 0.2342% | 836 |
| Net operating income to assets | 0.7462% | 3,624 |
| Return on assets (ROA) | 0.7462% | 3,753 |
| Pretax return on assets | 0.7566% | 4,450 |
| Return on Equity (ROE) | 5.8920% | 4,125 |
| Retained earnings to average equity (ytd only) | -1.2984% | 5,528 |
| Net charge-offs to loans | 0.0037% | 3,792 |
| Credit loss provision to net charge-offs | 11,250.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 475.3933% | 186 |
| Efficiency ratio | 73.9035% | 2,301 |
| Assets per employee ($millions) | 2.7752% | 5,562 |
| Cash dividends to net income (ytd only)* | 122.0360% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3740% | 2,324 |
| Loan loss allowance to noncurrent loans | 107.6262% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9784% | 2,116 |
| Noncurrent loans to loans | 1.2766% | 1,751 |
| Net loans and leases to total assets | 56.3414% | 4,270 |
| Net loans and leases to deposits | 65.8579% | 4,357 |
| Net loans and leases to core deposits | 70.2416% | 4,304 |
| Total domestic deposits to total assets | 85.5500% | 2,583 |
| Equity capital to assets | 12.8168% | 1,589 |
| Core capital (leverage) ratio | 12.4366% | 1,426 |
| Tier 1 risk-based capital ratio | 18.2240% | 1,856 |
| Total risk-based capital ratio | 19.3754% | 1,849 |
| Memoranda: | ||
| Average total assets | $128,113,250 | 3,883 |
| Average earning assets | $113,910,750 | 3,955 |
| Average equity | $16,225,000 | 3,693 |
| Average total loans | $71,768,500 | 4,024 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,345 |
| Cost of funding earning assets | 0.2597% | 4,552 |
| Net interest margin | 3.7106% | 2,650 |
| Noninterest income to average assets | 0.4974% | 3,211 |
| Noninterest expense to average assets | 2.8036% | 3,016 |
| Loan and lease loss provision to assets | 0.2339% | 856 |
| Net operating income to assets | 0.7422% | 3,588 |
| Return on assets (ROA) | 0.7422% | 3,743 |
| Pretax return on assets | 0.7578% | 4,430 |
| Return on Equity (ROE) | 5.8841% | 4,102 |
| Retained earnings to average equity (ytd only) | -3.0780% | 5,642 |
| Net charge-offs to loans | -0.1009% | 5,620 |
| Credit loss provision to net charge-offs | -416.6667% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8702% | 2,380 |
| Assets per employee ($millions) | 2.7735% | 5,629 |
| Cash dividends to net income (ytd only)* | 152.3109% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,526 |
| Loan loss allowance to noncurrent loans | 177.0642% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 3,394 |
| Noncurrent loans to loans | 0.7630% | 2,839 |
| Net loans and leases to total assets | 55.2300% | 4,390 |
| Net loans and leases to deposits | 64.4174% | 4,464 |
| Net loans and leases to core deposits | 68.6928% | 4,423 |
| Total domestic deposits to total assets | 85.7377% | 2,543 |
| Equity capital to assets | 12.6602% | 1,681 |
| Core capital (leverage) ratio | 12.3207% | 1,446 |
| Tier 1 risk-based capital ratio | 18.4190% | 1,818 |
| Total risk-based capital ratio | 19.5461% | 1,817 |
| Memoranda: | ||
| Average total assets | $128,264,000 | 3,910 |
| Average earning assets | $113,997,330 | 3,977 |
| Average equity | $16,179,330 | 3,711 |
| Average total loans | $71,382,000 | 4,057 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 3,401 |
| Cost of funding earning assets | 0.2598% | 4,611 |
| Net interest margin | 3.6905% | 2,707 |
| Noninterest income to average assets | 0.4790% | 3,270 |
| Noninterest expense to average assets | 2.7993% | 3,075 |
| Loan and lease loss provision to assets | 0.2333% | 783 |
| Net operating income to assets | 0.6843% | 3,794 |
| Return on assets (ROA) | 0.6843% | 3,908 |
| Pretax return on assets | 0.7154% | 4,477 |
| Return on Equity (ROE) | 5.4344% | 4,260 |
| Retained earnings to average equity (ytd only) | 1.1116% | 4,799 |
| Net charge-offs to loans | -0.1850% | 5,824 |
| Credit loss provision to net charge-offs | -227.2727% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6888% | 2,375 |
| Assets per employee ($millions) | 2.7229% | 5,719 |
| Cash dividends to net income (ytd only)* | 79.5455% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 3,212 |
| Loan loss allowance to noncurrent loans | 141.4673% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6150% | 3,223 |
| Noncurrent loans to loans | 0.8816% | 2,641 |
| Net loans and leases to total assets | 54.8775% | 4,366 |
| Net loans and leases to deposits | 64.0761% | 4,436 |
| Net loans and leases to core deposits | 68.7088% | 4,341 |
| Total domestic deposits to total assets | 85.6442% | 2,837 |
| Equity capital to assets | 12.7735% | 1,523 |
| Core capital (leverage) ratio | 12.5610% | 1,313 |
| Tier 1 risk-based capital ratio | 18.9034% | 1,757 |
| Total risk-based capital ratio | 19.9473% | 1,764 |
| Memoranda: | ||
| Average total assets | $128,605,500 | 3,933 |
| Average earning assets | $113,913,000 | 4,010 |
| Average equity | $16,193,000 | 3,703 |
| Average total loans | $71,359,000 | 4,082 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 3,611 |
| Cost of funding earning assets | 0.2634% | 4,662 |
| Net interest margin | 3.6639% | 2,888 |
| Noninterest income to average assets | 0.5458% | 3,035 |
| Noninterest expense to average assets | 2.7659% | 3,364 |
| Loan and lease loss provision to assets | 0.2359% | 824 |
| Net operating income to assets | 0.8108% | 3,297 |
| Return on assets (ROA) | 0.8108% | 3,371 |
| Pretax return on assets | 0.8148% | 4,141 |
| Return on Equity (ROE) | 6.4549% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.2288% | 4,452 |
| Net charge-offs to loans | 0.1585% | 1,792 |
| Credit loss provision to net charge-offs | 267.8571% | 1,080 |
| Earnings coverage of net charge-offs (x) | 11.9286% | 2,514 |
| Efficiency ratio | 72.4706% | 2,831 |
| Assets per employee ($millions) | 2.7497% | 5,735 |
| Cash dividends to net income (ytd only)* | 65.4704% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,110 |
| Loan loss allowance to noncurrent loans | 133.3904% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5757% | 3,370 |
| Noncurrent loans to loans | 0.8156% | 2,745 |
| Net loans and leases to total assets | 54.8009% | 4,417 |
| Net loans and leases to deposits | 63.6894% | 4,490 |
| Net loans and leases to core deposits | 67.8053% | 4,461 |
| Total domestic deposits to total assets | 86.0440% | 2,619 |
| Equity capital to assets | 12.4107% | 1,666 |
| Core capital (leverage) ratio | 12.4258% | 1,388 |
| Tier 1 risk-based capital ratio | 18.8350% | 1,737 |
| Total risk-based capital ratio | 19.7510% | 1,775 |
| Memoranda: | ||
| Average total assets | $127,154,600 | 3,947 |
| Average earning assets | $113,514,000 | 4,009 |
| Average equity | $15,972,400 | 3,678 |
| Average total loans | $70,660,800 | 4,079 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 3,685 |
| Cost of funding earning assets | 0.2627% | 4,748 |
| Net interest margin | 3.6566% | 2,933 |
| Noninterest income to average assets | 0.5454% | 3,075 |
| Noninterest expense to average assets | 2.7943% | 3,212 |
| Loan and lease loss provision to assets | 0.2369% | 752 |
| Net operating income to assets | 0.7970% | 3,438 |
| Return on assets (ROA) | 0.7970% | 3,534 |
| Pretax return on assets | 0.7970% | 4,349 |
| Return on Equity (ROE) | 6.3257% | 3,994 |
| Retained earnings to average equity (ytd only) | 1.5208% | 5,110 |
| Net charge-offs to loans | 0.2064% | 1,252 |
| Credit loss provision to net charge-offs | 206.4220% | 1,304 |
| Earnings coverage of net charge-offs (x) | 9.0092% | 2,748 |
| Efficiency ratio | 72.9923% | 2,720 |
| Assets per employee ($millions) | 2.6677% | 5,857 |
| Cash dividends to net income (ytd only)* | 75.9578% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,800 |
| Loan loss allowance to noncurrent loans | 72.4846% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 2,614 |
| Noncurrent loans to loans | 1.3663% | 1,875 |
| Net loans and leases to total assets | 56.2920% | 4,321 |
| Net loans and leases to deposits | 65.8144% | 4,399 |
| Net loans and leases to core deposits | 70.2289% | 4,349 |
| Total domestic deposits to total assets | 85.5314% | 2,763 |
| Equity capital to assets | 12.8830% | 1,517 |
| Core capital (leverage) ratio | 12.6906% | 1,322 |
| Tier 1 risk-based capital ratio | 18.5460% | 1,882 |
| Total risk-based capital ratio | 19.3724% | 1,963 |
| Memoranda: | ||
| Average total assets | $126,634,500 | 3,999 |
| Average earning assets | $113,690,500 | 4,052 |
| Average equity | $15,955,750 | 3,718 |
| Average total loans | $70,425,750 | 4,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 3,915 |
| Cost of funding earning assets | 0.2597% | 4,836 |
| Net interest margin | 3.5811% | 3,162 |
| Noninterest income to average assets | 0.5226% | 3,208 |
| Noninterest expense to average assets | 2.7926% | 3,259 |
| Loan and lease loss provision to assets | 0.2361% | 772 |
| Net operating income to assets | 0.7288% | 3,743 |
| Return on assets (ROA) | 0.7288% | 3,862 |
| Pretax return on assets | 0.7288% | 4,566 |
| Return on Equity (ROE) | 5.8276% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.7930% | 5,243 |
| Net charge-offs to loans | 0.0770% | 2,289 |
| Credit loss provision to net charge-offs | 555.5556% | 583 |
| Earnings coverage of net charge-offs (x) | 22.7037% | 1,635 |
| Efficiency ratio | 74.3192% | 2,642 |
| Assets per employee ($millions) | 2.6843% | 5,930 |
| Cash dividends to net income (ytd only)* | 86.3931% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 4,669 |
| Loan loss allowance to noncurrent loans | 81.6934% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.8455% | 2,863 |
| Noncurrent loans to loans | 1.2708% | 2,119 |
| Net loans and leases to total assets | 55.1174% | 4,435 |
| Net loans and leases to deposits | 64.4029% | 4,497 |
| Net loans and leases to core deposits | 69.1635% | 4,395 |
| Total domestic deposits to total assets | 85.5823% | 2,884 |
| Equity capital to assets | 12.8126% | 1,485 |
| Core capital (leverage) ratio | 12.4088% | 1,428 |
| Tier 1 risk-based capital ratio | 18.9259% | 1,806 |
| Total risk-based capital ratio | 19.7853% | 1,873 |
| Memoranda: | ||
| Average total assets | $127,052,000 | 4,020 |
| Average earning assets | $114,769,000 | 4,055 |
| Average equity | $15,890,000 | 3,742 |
| Average total loans | $70,139,000 | 4,154 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,241 |
| Cost of funding earning assets | 0.2560% | 4,956 |
| Net interest margin | 3.4811% | 3,508 |
| Noninterest income to average assets | 0.4781% | 3,441 |
| Noninterest expense to average assets | 2.7290% | 3,489 |
| Loan and lease loss provision to assets | 0.2329% | 742 |
| Net operating income to assets | 0.6830% | 3,880 |
| Return on assets (ROA) | 0.6830% | 4,011 |
| Pretax return on assets | 0.6830% | 4,643 |
| Return on Equity (ROE) | 5.5261% | 4,270 |
| Retained earnings to average equity (ytd only) | 1.1303% | 5,029 |
| Net charge-offs to loans | -0.0056% | 4,529 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8722% | 2,673 |
| Assets per employee ($millions) | 2.7956% | 5,887 |
| Cash dividends to net income (ytd only)* | 79.5455% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 5,190 |
| Loan loss allowance to noncurrent loans | 67.7846% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 2,761 |
| Noncurrent loans to loans | 1.4251% | 2,011 |
| Net loans and leases to total assets | 53.1743% | 4,534 |
| Net loans and leases to deposits | 61.8532% | 4,582 |
| Net loans and leases to core deposits | 66.7213% | 4,453 |
| Total domestic deposits to total assets | 85.9685% | 2,957 |
| Equity capital to assets | 12.4911% | 1,700 |
| Core capital (leverage) ratio | 11.8228% | 1,759 |
| Tier 1 risk-based capital ratio | 17.3999% | 2,339 |
| Total risk-based capital ratio | 18.1561% | 2,469 |
| Memoranda: | ||
| Average total assets | $128,838,000 | 4,013 |
| Average earning assets | $117,205,500 | 4,035 |
| Average equity | $15,924,500 | 3,759 |
| Average total loans | $70,822,000 | 4,163 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6863% | 4,827 |
| Cost of funding earning assets | 0.2661% | 5,146 |
| Net interest margin | 3.4201% | 4,109 |
| Noninterest income to average assets | 0.5115% | 3,412 |
| Noninterest expense to average assets | 2.6809% | 3,935 |
| Loan and lease loss provision to assets | 0.1827% | 1,409 |
| Net operating income to assets | 0.7924% | 3,412 |
| Return on assets (ROA) | 0.7985% | 3,478 |
| Pretax return on assets | 0.8038% | 4,243 |
| Return on Equity (ROE) | 6.9475% | 3,668 |
| Retained earnings to average equity (ytd only) | 1.9803% | 4,801 |
| Net charge-offs to loans | 0.3495% | 1,257 |
| Credit loss provision to net charge-offs | 98.7654% | 2,454 |
| Earnings coverage of net charge-offs (x) | 5.3004% | 3,457 |
| Efficiency ratio | 73.2225% | 2,979 |
| Assets per employee ($millions) | 2.7464% | 5,987 |
| Cash dividends to net income (ytd only)* | 71.4967% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8141% | 5,740 |
| Loan loss allowance to noncurrent loans | 78.2781% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 3,357 |
| Noncurrent loans to loans | 1.0400% | 2,744 |
| Net loans and leases to total assets | 55.7840% | 4,363 |
| Net loans and leases to deposits | 64.6710% | 4,456 |
| Net loans and leases to core deposits | 67.2884% | 4,572 |
| Total domestic deposits to total assets | 86.2581% | 2,694 |
| Equity capital to assets | 12.2296% | 1,838 |
| Core capital (leverage) ratio | 12.1589% | 1,527 |
| Tier 1 risk-based capital ratio | 17.7158% | 2,229 |
| Total risk-based capital ratio | 18.3843% | 2,421 |
| Memoranda: | ||
| Average total assets | $131,375,800 | 3,947 |
| Average earning assets | $120,989,600 | 3,941 |
| Average equity | $15,099,000 | 3,812 |
| Average total loans | $69,519,800 | 4,200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 5,025 |
| Cost of funding earning assets | 0.2667% | 5,241 |
| Net interest margin | 3.3772% | 4,328 |
| Noninterest income to average assets | 0.4951% | 3,576 |
| Noninterest expense to average assets | 2.6737% | 3,927 |
| Loan and lease loss provision to assets | 0.1819% | 1,348 |
| Net operating income to assets | 0.7418% | 3,716 |
| Return on assets (ROA) | 0.7498% | 3,764 |
| Pretax return on assets | 0.7568% | 4,512 |
| Return on Equity (ROE) | 6.6275% | 3,889 |
| Retained earnings to average equity (ytd only) | 0.8217% | 5,553 |
| Net charge-offs to loans | 0.1745% | 2,054 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 10.2331% | 2,570 |
| Efficiency ratio | 74.1800% | 2,795 |
| Assets per employee ($millions) | 2.7411% | 6,036 |
| Cash dividends to net income (ytd only)* | 87.6015% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9829% | 5,282 |
| Loan loss allowance to noncurrent loans | 79.8133% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 3,397 |
| Noncurrent loans to loans | 1.2314% | 2,581 |
| Net loans and leases to total assets | 53.4875% | 4,638 |
| Net loans and leases to deposits | 61.7918% | 4,761 |
| Net loans and leases to core deposits | 64.2382% | 4,858 |
| Total domestic deposits to total assets | 86.5608% | 2,549 |
| Equity capital to assets | 11.8907% | 2,163 |
| Core capital (leverage) ratio | 11.7960% | 1,837 |
| Tier 1 risk-based capital ratio | 17.8178% | 2,269 |
| Total risk-based capital ratio | 18.6064% | 2,408 |
| Memoranda: | ||
| Average total assets | $131,949,750 | 3,970 |
| Average earning assets | $121,478,000 | 3,959 |
| Average equity | $14,927,250 | 3,871 |
| Average total loans | $68,750,500 | 4,247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 5,257 |
| Cost of funding earning assets | 0.2629% | 5,359 |
| Net interest margin | 3.2985% | 4,591 |
| Noninterest income to average assets | 0.4858% | 3,591 |
| Noninterest expense to average assets | 2.6544% | 4,036 |
| Loan and lease loss provision to assets | 0.1805% | 1,362 |
| Net operating income to assets | 0.6783% | 3,951 |
| Return on assets (ROA) | 0.6783% | 4,053 |
| Pretax return on assets | 0.6888% | 4,679 |
| Return on Equity (ROE) | 6.0960% | 4,105 |
| Retained earnings to average equity (ytd only) | -0.6623% | 5,806 |
| Net charge-offs to loans | 0.3534% | 1,164 |
| Credit loss provision to net charge-offs | 99.1736% | 2,035 |
| Earnings coverage of net charge-offs (x) | 4.7769% | 3,049 |
| Efficiency ratio | 75.3308% | 2,748 |
| Assets per employee ($millions) | 2.7680% | 6,066 |
| Cash dividends to net income (ytd only)* | 110.8647% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 5,795 |
| Loan loss allowance to noncurrent loans | 69.4379% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 3,615 |
| Noncurrent loans to loans | 1.2607% | 2,703 |
| Net loans and leases to total assets | 50.5363% | 4,905 |
| Net loans and leases to deposits | 57.9771% | 5,044 |
| Net loans and leases to core deposits | 64.5619% | 4,764 |
| Total domestic deposits to total assets | 87.1659% | 2,362 |
| Equity capital to assets | 11.3393% | 2,567 |
| Core capital (leverage) ratio | 11.4598% | 2,040 |
| Tier 1 risk-based capital ratio | 17.8597% | 2,291 |
| Total risk-based capital ratio | 18.5513% | 2,458 |
| Memoranda: | ||
| Average total assets | $132,989,000 | 3,977 |
| Average earning assets | $122,481,000 | 3,959 |
| Average equity | $14,796,670 | 3,893 |
| Average total loans | $68,469,670 | 4,283 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 5,307 |
| Cost of funding earning assets | 0.2646% | 5,446 |
| Net interest margin | 3.2828% | 4,613 |
| Noninterest income to average assets | 0.4479% | 3,806 |
| Noninterest expense to average assets | 2.6456% | 4,128 |
| Loan and lease loss provision to assets | 0.1804% | 1,331 |
| Net operating income to assets | 0.6223% | 4,087 |
| Return on assets (ROA) | 0.6223% | 4,169 |
| Pretax return on assets | 0.6434% | 4,687 |
| Return on Equity (ROE) | 5.6473% | 4,212 |
| Retained earnings to average equity (ytd only) | 2.9191% | 4,348 |
| Net charge-offs to loans | -0.0349% | 5,649 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2565% | 2,758 |
| Assets per employee ($millions) | 2.8365% | 6,061 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 5,472 |
| Loan loss allowance to noncurrent loans | 67.3469% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 3,542 |
| Noncurrent loans to loans | 1.5019% | 2,539 |
| Net loans and leases to total assets | 48.4499% | 5,064 |
| Net loans and leases to deposits | 55.4357% | 5,158 |
| Net loans and leases to core deposits | 57.2528% | 5,261 |
| Total domestic deposits to total assets | 87.3985% | 2,568 |
| Equity capital to assets | 11.1276% | 2,596 |
| Core capital (leverage) ratio | 11.4720% | 1,983 |
| Tier 1 risk-based capital ratio | 18.6897% | 2,065 |
| Total risk-based capital ratio | 19.4871% | 2,158 |
| Memoranda: | ||
| Average total assets | $133,051,000 | 4,011 |
| Average earning assets | $122,456,500 | 3,991 |
| Average equity | $14,662,000 | 3,920 |
| Average total loans | $68,835,500 | 4,303 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 4,777 |
| Cost of funding earning assets | 0.3069% | 5,544 |
| Net interest margin | 3.5046% | 3,885 |
| Noninterest income to average assets | 0.5520% | 3,391 |
| Noninterest expense to average assets | 2.6777% | 4,178 |
| Loan and lease loss provision to assets | 0.1850% | 1,988 |
| Net operating income to assets | 0.8921% | 2,823 |
| Return on assets (ROA) | 0.8921% | 2,912 |
| Pretax return on assets | 0.8944% | 3,786 |
| Return on Equity (ROE) | 7.8712% | 3,102 |
| Retained earnings to average equity (ytd only) | 6.0003% | 1,968 |
| Net charge-offs to loans | 0.3450% | 1,953 |
| Credit loss provision to net charge-offs | 100.8403% | 2,391 |
| Earnings coverage of net charge-offs (x) | 5.8824% | 3,184 |
| Efficiency ratio | 71.2703% | 3,619 |
| Assets per employee ($millions) | 2.8252% | 6,072 |
| Cash dividends to net income (ytd only)* | 23.7684% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 6,128 |
| Loan loss allowance to noncurrent loans | 90.1366% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 4,317 |
| Noncurrent loans to loans | 0.9100% | 3,710 |
| Net loans and leases to total assets | 54.0912% | 4,571 |
| Net loans and leases to deposits | 61.7244% | 4,746 |
| Net loans and leases to core deposits | 65.9908% | 4,693 |
| Total domestic deposits to total assets | 87.6334% | 2,403 |
| Equity capital to assets | 10.9116% | 2,695 |
| Core capital (leverage) ratio | 11.9575% | 1,639 |
| Tier 1 risk-based capital ratio | 17.0505% | 2,586 |
| Total risk-based capital ratio | 17.7097% | 2,835 |
| Memoranda: | ||
| Average total assets | $129,699,600 | 4,080 |
| Average earning assets | $118,614,600 | 4,074 |
| Average equity | $14,699,200 | 3,919 |
| Average total loans | $68,977,400 | 4,310 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 4,882 |
| Cost of funding earning assets | 0.3203% | 5,553 |
| Net interest margin | 3.4722% | 4,003 |
| Noninterest income to average assets | 0.5502% | 3,455 |
| Noninterest expense to average assets | 2.6567% | 4,171 |
| Loan and lease loss provision to assets | 0.1861% | 1,958 |
| Net operating income to assets | 0.8770% | 2,957 |
| Return on assets (ROA) | 0.8770% | 3,071 |
| Pretax return on assets | 0.8801% | 3,967 |
| Return on Equity (ROE) | 7.6644% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.0827% | 2,355 |
| Net charge-offs to loans | 0.1605% | 2,950 |
| Credit loss provision to net charge-offs | 219.5122% | 1,111 |
| Earnings coverage of net charge-offs (x) | 12.5732% | 2,126 |
| Efficiency ratio | 71.3611% | 3,543 |
| Assets per employee ($millions) | 2.5455% | 6,432 |
| Cash dividends to net income (ytd only)* | 20.6370% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 5,874 |
| Loan loss allowance to noncurrent loans | 80.5134% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7025% | 4,352 |
| Noncurrent loans to loans | 1.1952% | 3,432 |
| Net loans and leases to total assets | 54.7022% | 4,502 |
| Net loans and leases to deposits | 62.6660% | 4,676 |
| Net loans and leases to core deposits | 67.1188% | 4,609 |
| Total domestic deposits to total assets | 87.2917% | 2,510 |
| Equity capital to assets | 11.1900% | 2,574 |
| Core capital (leverage) ratio | 11.7096% | 1,884 |
| Tier 1 risk-based capital ratio | 16.9224% | 2,743 |
| Total risk-based capital ratio | 17.6928% | 2,933 |
| Memoranda: | ||
| Average total assets | $128,928,250 | 4,141 |
| Average earning assets | $117,808,750 | 4,129 |
| Average equity | $14,751,750 | 3,961 |
| Average total loans | $68,117,000 | 4,370 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 5,053 |
| Cost of funding earning assets | 0.3313% | 5,556 |
| Net interest margin | 3.3983% | 4,187 |
| Noninterest income to average assets | 0.5597% | 3,445 |
| Noninterest expense to average assets | 2.6588% | 4,187 |
| Loan and lease loss provision to assets | 0.1866% | 2,025 |
| Net operating income to assets | 0.8241% | 3,173 |
| Return on assets (ROA) | 0.8241% | 3,332 |
| Pretax return on assets | 0.8241% | 4,226 |
| Return on Equity (ROE) | 7.1493% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.4631% | 2,768 |
| Net charge-offs to loans | 0.0747% | 3,646 |
| Credit loss provision to net charge-offs | 480.0000% | 572 |
| Earnings coverage of net charge-offs (x) | 26.0000% | 1,254 |
| Efficiency ratio | 72.4576% | 3,393 |
| Assets per employee ($millions) | 2.5071% | 6,492 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,688 |
| Loan loss allowance to noncurrent loans | 90.2760% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 4,589 |
| Noncurrent loans to loans | 1.1463% | 3,636 |
| Net loans and leases to total assets | 51.3835% | 4,942 |
| Net loans and leases to deposits | 58.8653% | 5,085 |
| Net loans and leases to core deposits | 63.1752% | 4,979 |
| Total domestic deposits to total assets | 87.2900% | 2,665 |
| Equity capital to assets | 11.1677% | 2,589 |
| Core capital (leverage) ratio | 11.4357% | 1,990 |
| Tier 1 risk-based capital ratio | 17.4134% | 2,550 |
| Total risk-based capital ratio | 18.2170% | 2,699 |
| Memoranda: | ||
| Average total assets | $128,630,670 | 4,169 |
| Average earning assets | $117,705,000 | 4,163 |
| Average equity | $14,826,670 | 3,979 |
| Average total loans | $66,921,000 | 4,428 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 5,124 |
| Cost of funding earning assets | 0.3708% | 5,360 |
| Net interest margin | 3.3407% | 4,349 |
| Noninterest income to average assets | 0.4992% | 3,776 |
| Noninterest expense to average assets | 2.6756% | 4,165 |
| Loan and lease loss provision to assets | 0.1860% | 1,986 |
| Net operating income to assets | 0.6821% | 3,773 |
| Return on assets (ROA) | 0.6821% | 3,926 |
| Pretax return on assets | 0.6821% | 4,651 |
| Return on Equity (ROE) | 5.8276% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.1654% | 3,134 |
| Net charge-offs to loans | 0.0774% | 3,066 |
| Credit loss provision to net charge-offs | 461.5385% | 572 |
| Earnings coverage of net charge-offs (x) | 21.5385% | 1,156 |
| Efficiency ratio | 75.5031% | 3,009 |
| Assets per employee ($millions) | 2.8099% | 6,268 |
| Cash dividends to net income (ytd only)* | 11.3636% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,937 |
| Loan loss allowance to noncurrent loans | 119.2164% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4634% | 5,222 |
| Noncurrent loans to loans | 0.8506% | 4,418 |
| Net loans and leases to total assets | 47.2283% | 5,310 |
| Net loans and leases to deposits | 54.2567% | 5,414 |
| Net loans and leases to core deposits | 58.2403% | 5,327 |
| Total domestic deposits to total assets | 87.0460% | 2,934 |
| Equity capital to assets | 11.4949% | 2,417 |
| Core capital (leverage) ratio | 11.1799% | 2,112 |
| Tier 1 risk-based capital ratio | 17.4681% | 2,570 |
| Total risk-based capital ratio | 18.2287% | 2,735 |
| Memoranda: | ||
| Average total assets | $129,016,000 | 4,203 |
| Average earning assets | $117,580,500 | 4,207 |
| Average equity | $15,100,500 | 3,973 |
| Average total loans | $67,188,500 | 4,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 3,961 |
| Cost of funding earning assets | 0.4942% | 5,259 |
| Net interest margin | 3.8708% | 2,941 |
| Noninterest income to average assets | 0.6562% | 2,961 |
| Noninterest expense to average assets | 2.7115% | 4,358 |
| Loan and lease loss provision to assets | 0.1911% | 3,247 |
| Net operating income to assets | 1.2773% | 1,373 |
| Return on assets (ROA) | 1.2821% | 1,509 |
| Pretax return on assets | 1.2821% | 2,483 |
| Return on Equity (ROE) | 10.5357% | 1,958 |
| Retained earnings to average equity (ytd only) | -0.5890% | 5,952 |
| Net charge-offs to loans | 0.2734% | 3,290 |
| Credit loss provision to net charge-offs | 127.6596% | 2,204 |
| Earnings coverage of net charge-offs (x) | 9.8085% | 2,217 |
| Efficiency ratio | 64.8695% | 4,725 |
| Assets per employee ($millions) | 2.6243% | 6,514 |
| Cash dividends to net income (ytd only)* | 105.5901% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8295% | 6,429 |
| Loan loss allowance to noncurrent loans | 114.0655% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 5,271 |
| Noncurrent loans to loans | 0.7272% | 4,727 |
| Net loans and leases to total assets | 56.1847% | 4,258 |
| Net loans and leases to deposits | 64.9198% | 4,437 |
| Net loans and leases to core deposits | 69.7862% | 4,342 |
| Total domestic deposits to total assets | 86.5447% | 3,081 |
| Equity capital to assets | 11.9239% | 2,093 |
| Core capital (leverage) ratio | 11.3529% | 1,977 |
| Tier 1 risk-based capital ratio | 16.5827% | 2,845 |
| Total risk-based capital ratio | 17.2606% | 3,111 |
| Memoranda: | ||
| Average total assets | $125,575,400 | 4,236 |
| Average earning assets | $114,317,400 | 4,241 |
| Average equity | $15,281,400 | 3,897 |
| Average total loans | $68,771,600 | 4,398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 4,188 |
| Cost of funding earning assets | 0.5154% | 5,339 |
| Net interest margin | 3.8487% | 3,121 |
| Noninterest income to average assets | 0.7257% | 2,589 |
| Noninterest expense to average assets | 2.6469% | 4,581 |
| Loan and lease loss provision to assets | 0.1913% | 3,195 |
| Net operating income to assets | 1.4026% | 1,216 |
| Return on assets (ROA) | 1.4090% | 1,321 |
| Pretax return on assets | 1.4090% | 2,201 |
| Return on Equity (ROE) | 11.5201% | 1,789 |
| Retained earnings to average equity (ytd only) | 4.3526% | 3,830 |
| Net charge-offs to loans | 0.3014% | 2,932 |
| Credit loss provision to net charge-offs | 116.8831% | 2,489 |
| Earnings coverage of net charge-offs (x) | 9.7402% | 2,276 |
| Efficiency ratio | 62.4154% | 5,082 |
| Assets per employee ($millions) | 2.5151% | 6,686 |
| Cash dividends to net income (ytd only)* | 62.2169% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 6,548 |
| Loan loss allowance to noncurrent loans | 86.2805% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5831% | 5,208 |
| Noncurrent loans to loans | 0.9558% | 4,522 |
| Net loans and leases to total assets | 53.0658% | 4,904 |
| Net loans and leases to deposits | 61.5582% | 5,016 |
| Net loans and leases to core deposits | 65.9344% | 4,961 |
| Total domestic deposits to total assets | 86.2042% | 3,146 |
| Equity capital to assets | 12.3013% | 2,043 |
| Core capital (leverage) ratio | 11.9984% | 1,658 |
| Tier 1 risk-based capital ratio | 17.3510% | 2,593 |
| Total risk-based capital ratio | 18.0026% | 2,829 |
| Memoranda: | ||
| Average total assets | $125,478,000 | 4,283 |
| Average earning assets | $114,600,000 | 4,275 |
| Average equity | $15,346,750 | 3,921 |
| Average total loans | $68,123,250 | 4,465 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4339% | 4,047 |
| Cost of funding earning assets | 0.5428% | 5,350 |
| Net interest margin | 3.8910% | 2,948 |
| Noninterest income to average assets | 0.7355% | 2,493 |
| Noninterest expense to average assets | 2.6689% | 4,542 |
| Loan and lease loss provision to assets | 0.1927% | 3,163 |
| Net operating income to assets | 1.4308% | 1,127 |
| Return on assets (ROA) | 1.4308% | 1,260 |
| Pretax return on assets | 1.4308% | 2,086 |
| Return on Equity (ROE) | 11.7216% | 1,763 |
| Retained earnings to average equity (ytd only) | 2.8416% | 4,734 |
| Net charge-offs to loans | 0.3944% | 2,445 |
| Credit loss provision to net charge-offs | 89.5522% | 3,062 |
| Earnings coverage of net charge-offs (x) | 7.5448% | 2,458 |
| Efficiency ratio | 62.1773% | 5,219 |
| Assets per employee ($millions) | 2.5130% | 6,755 |
| Cash dividends to net income (ytd only)* | 75.7576% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 6,716 |
| Loan loss allowance to noncurrent loans | 66.8361% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 5,049 |
| Noncurrent loans to loans | 1.1665% | 4,206 |
| Net loans and leases to total assets | 53.2758% | 4,918 |
| Net loans and leases to deposits | 61.7630% | 5,029 |
| Net loans and leases to core deposits | 66.4100% | 4,952 |
| Total domestic deposits to total assets | 86.2584% | 3,216 |
| Equity capital to assets | 12.2103% | 1,998 |
| Core capital (leverage) ratio | 11.8801% | 1,664 |
| Tier 1 risk-based capital ratio | 17.3725% | 2,521 |
| Total risk-based capital ratio | 17.9904% | 2,742 |
| Memoranda: | ||
| Average total assets | $124,547,000 | 4,320 |
| Average earning assets | $113,851,330 | 4,310 |
| Average equity | $15,202,670 | 3,945 |
| Average total loans | $67,953,000 | 4,489 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 4,366 |
| Cost of funding earning assets | 0.5694% | 5,368 |
| Net interest margin | 3.8206% | 3,287 |
| Noninterest income to average assets | 0.8032% | 2,152 |
| Noninterest expense to average assets | 2.6743% | 4,526 |
| Loan and lease loss provision to assets | 0.1936% | 3,012 |
| Net operating income to assets | 1.4452% | 1,131 |
| Return on assets (ROA) | 1.4452% | 1,263 |
| Pretax return on assets | 1.4420% | 2,047 |
| Return on Equity (ROE) | 11.8417% | 1,719 |
| Retained earnings to average equity (ytd only) | 6.5552% | 2,649 |
| Net charge-offs to loans | 0.1877% | 2,978 |
| Credit loss provision to net charge-offs | 187.5000% | 1,398 |
| Earnings coverage of net charge-offs (x) | 15.8438% | 1,400 |
| Efficiency ratio | 62.0509% | 5,268 |
| Assets per employee ($millions) | 2.4837% | 6,858 |
| Cash dividends to net income (ytd only)* | 44.6429% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 6,578 |
| Loan loss allowance to noncurrent loans | 59.8525% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 4,885 |
| Noncurrent loans to loans | 1.4752% | 3,906 |
| Net loans and leases to total assets | 51.3448% | 5,102 |
| Net loans and leases to deposits | 59.5645% | 5,204 |
| Net loans and leases to core deposits | 63.9359% | 5,122 |
| Total domestic deposits to total assets | 86.2003% | 3,412 |
| Equity capital to assets | 12.2616% | 1,871 |
| Core capital (leverage) ratio | 11.8962% | 1,646 |
| Tier 1 risk-based capital ratio | 17.9190% | 2,325 |
| Total risk-based capital ratio | 18.6058% | 2,498 |
| Memoranda: | ||
| Average total assets | $123,996,500 | 4,352 |
| Average earning assets | $113,805,000 | 4,338 |
| Average equity | $15,133,000 | 3,963 |
| Average total loans | $68,196,500 | 4,516 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 3,731 |
| Cost of funding earning assets | 0.7444% | 5,248 |
| Net interest margin | 4.0721% | 2,560 |
| Noninterest income to average assets | 0.5796% | 3,300 |
| Noninterest expense to average assets | 2.7937% | 4,370 |
| Loan and lease loss provision to assets | 0.1987% | 4,201 |
| Net operating income to assets | 1.2624% | 1,342 |
| Return on assets (ROA) | 1.2900% | 1,375 |
| Pretax return on assets | 1.3116% | 2,083 |
| Return on Equity (ROE) | 10.7315% | 1,791 |
| Retained earnings to average equity (ytd only) | 4.7045% | 2,851 |
| Net charge-offs to loans | 0.2474% | 4,232 |
| Credit loss provision to net charge-offs | 136.3636% | 2,191 |
| Earnings coverage of net charge-offs (x) | 10.1705% | 1,877 |
| Efficiency ratio | 65.3369% | 4,897 |
| Assets per employee ($millions) | 2.4762% | 6,855 |
| Cash dividends to net income (ytd only)* | 56.1617% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7493% | 6,836 |
| Loan loss allowance to noncurrent loans | 44.4811% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 4,525 |
| Noncurrent loans to loans | 1.6846% | 3,632 |
| Net loans and leases to total assets | 57.7688% | 4,418 |
| Net loans and leases to deposits | 67.0143% | 4,577 |
| Net loans and leases to core deposits | 71.9395% | 4,539 |
| Total domestic deposits to total assets | 86.2037% | 3,196 |
| Equity capital to assets | 12.1469% | 2,015 |
| Core capital (leverage) ratio | 11.6609% | 1,786 |
| Tier 1 risk-based capital ratio | 16.7446% | 2,720 |
| Total risk-based capital ratio | 17.3651% | 2,948 |
| Memoranda: | ||
| Average total assets | $120,773,000 | 4,378 |
| Average earning assets | $109,623,800 | 4,402 |
| Average equity | $14,518,000 | 4,007 |
| Average total loans | $71,127,800 | 4,448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 3,648 |
| Cost of funding earning assets | 0.8085% | 5,094 |
| Net interest margin | 4.0685% | 2,609 |
| Noninterest income to average assets | 0.6288% | 3,001 |
| Noninterest expense to average assets | 2.7163% | 4,668 |
| Loan and lease loss provision to assets | 0.2000% | 4,020 |
| Net operating income to assets | 1.3879% | 1,186 |
| Return on assets (ROA) | 1.4231% | 1,182 |
| Pretax return on assets | 1.4320% | 1,845 |
| Return on Equity (ROE) | 11.8709% | 1,584 |
| Retained earnings to average equity (ytd only) | 3.7624% | 4,068 |
| Net charge-offs to loans | 0.0244% | 5,803 |
| Credit loss provision to net charge-offs | 1,384.6154% | 198 |
| Earnings coverage of net charge-offs (x) | 110.5568% | 328 |
| Efficiency ratio | 62.9830% | 5,239 |
| Assets per employee ($millions) | 2.4373% | 6,951 |
| Cash dividends to net income (ytd only)* | 68.3060% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,575 |
| Loan loss allowance to noncurrent loans | 77.0060% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 5,310 |
| Noncurrent loans to loans | 1.1791% | 4,575 |
| Net loans and leases to total assets | 56.4525% | 4,768 |
| Net loans and leases to deposits | 65.2687% | 5,019 |
| Net loans and leases to core deposits | 69.6569% | 4,991 |
| Total domestic deposits to total assets | 86.4925% | 2,941 |
| Equity capital to assets | 11.9589% | 2,287 |
| Core capital (leverage) ratio | 11.9312% | 1,742 |
| Tier 1 risk-based capital ratio | 16.4976% | 2,868 |
| Total risk-based capital ratio | 17.2397% | 3,083 |
| Memoranda: | ||
| Average total assets | $120,014,000 | 4,426 |
| Average earning assets | $108,670,750 | 4,464 |
| Average equity | $14,387,750 | 4,056 |
| Average total loans | $70,894,000 | 4,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8965% | 3,638 |
| Cost of funding earning assets | 0.8031% | 5,346 |
| Net interest margin | 4.0935% | 2,435 |
| Noninterest income to average assets | 0.6308% | 2,945 |
| Noninterest expense to average assets | 2.7963% | 4,431 |
| Loan and lease loss provision to assets | 0.2024% | 3,901 |
| Net operating income to assets | 1.3324% | 1,236 |
| Return on assets (ROA) | 1.3324% | 1,311 |
| Pretax return on assets | 1.3459% | 1,976 |
| Return on Equity (ROE) | 11.1043% | 1,766 |
| Retained earnings to average equity (ytd only) | 0.9136% | 5,502 |
| Net charge-offs to loans | 0.0959% | 4,717 |
| Credit loss provision to net charge-offs | 352.9412% | 871 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,002 |
| Efficiency ratio | 64.3634% | 5,171 |
| Assets per employee ($millions) | 2.3351% | 7,084 |
| Cash dividends to net income (ytd only)* | 91.7722% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8063% | 6,858 |
| Loan loss allowance to noncurrent loans | 65.1217% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 5,324 |
| Noncurrent loans to loans | 1.2381% | 4,591 |
| Net loans and leases to total assets | 58.0595% | 4,611 |
| Net loans and leases to deposits | 67.3115% | 4,813 |
| Net loans and leases to core deposits | 70.3917% | 5,025 |
| Total domestic deposits to total assets | 86.2549% | 3,181 |
| Equity capital to assets | 12.1286% | 2,012 |
| Core capital (leverage) ratio | 11.8987% | 1,672 |
| Tier 1 risk-based capital ratio | 16.4567% | 2,765 |
| Total risk-based capital ratio | 17.1196% | 3,020 |
| Memoranda: | ||
| Average total assets | $118,585,000 | 4,500 |
| Average earning assets | $107,586,330 | 4,518 |
| Average equity | $14,228,670 | 4,080 |
| Average total loans | $70,920,670 | 4,539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8875% | 3,650 |
| Cost of funding earning assets | 0.8419% | 5,321 |
| Net interest margin | 4.0456% | 2,489 |
| Noninterest income to average assets | 0.6085% | 3,103 |
| Noninterest expense to average assets | 2.8259% | 4,349 |
| Loan and lease loss provision to assets | 0.2028% | 3,609 |
| Net operating income to assets | 1.2237% | 1,466 |
| Return on assets (ROA) | 1.2237% | 1,523 |
| Pretax return on assets | 1.2507% | 2,196 |
| Return on Equity (ROE) | 10.2542% | 2,009 |
| Retained earnings to average equity (ytd only) | 4.5889% | 3,427 |
| Net charge-offs to loans | -0.1901% | 7,249 |
| Credit loss provision to net charge-offs | -176.4706% | 5,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0348% | 5,033 |
| Assets per employee ($millions) | 2.2992% | 7,183 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8159% | 6,881 |
| Loan loss allowance to noncurrent loans | 56.9431% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 5,121 |
| Noncurrent loans to loans | 1.4328% | 4,321 |
| Net loans and leases to total assets | 59.0948% | 4,447 |
| Net loans and leases to deposits | 68.5143% | 4,605 |
| Net loans and leases to core deposits | 71.5463% | 4,849 |
| Total domestic deposits to total assets | 86.2518% | 3,363 |
| Equity capital to assets | 12.1168% | 1,849 |
| Core capital (leverage) ratio | 11.6517% | 1,769 |
| Tier 1 risk-based capital ratio | 16.7741% | 2,556 |
| Total risk-based capital ratio | 17.4546% | 2,770 |
| Memoranda: | ||
| Average total assets | $118,332,500 | 4,532 |
| Average earning assets | $107,375,000 | 4,543 |
| Average equity | $14,121,000 | 4,090 |
| Average total loans | $71,528,500 | 4,557 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 2,333 |
| Cost of funding earning assets | 1.0002% | 5,689 |
| Net interest margin | 4.4896% | 1,248 |
| Noninterest income to average assets | 0.6754% | 2,989 |
| Noninterest expense to average assets | 3.0688% | 3,594 |
| Loan and lease loss provision to assets | 0.2202% | 5,067 |
| Net operating income to assets | 1.3903% | 968 |
| Return on assets (ROA) | 1.3903% | 1,040 |
| Pretax return on assets | 1.4068% | 1,647 |
| Return on Equity (ROE) | 10.9133% | 1,612 |
| Retained earnings to average equity (ytd only) | 5.1505% | 2,339 |
| Net charge-offs to loans | 0.3750% | 4,162 |
| Credit loss provision to net charge-offs | 90.2256% | 5,123 |
| Earnings coverage of net charge-offs (x) | 6.6654% | 2,309 |
| Efficiency ratio | 65.3508% | 5,096 |
| Assets per employee ($millions) | 2.3413% | 7,180 |
| Cash dividends to net income (ytd only)* | 52.8053% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6503% | 7,201 |
| Loan loss allowance to noncurrent loans | 75.4358% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 5,871 |
| Noncurrent loans to loans | 0.8621% | 5,344 |
| Net loans and leases to total assets | 60.8989% | 4,509 |
| Net loans and leases to deposits | 70.2790% | 4,783 |
| Net loans and leases to core deposits | 74.7840% | 4,876 |
| Total domestic deposits to total assets | 86.6531% | 3,005 |
| Equity capital to assets | 11.7532% | 2,079 |
| Core capital (leverage) ratio | 12.1285% | 1,467 |
| Tier 1 risk-based capital ratio | 16.0713% | 2,716 |
| Total risk-based capital ratio | 16.6221% | 3,016 |
| Memoranda: | ||
| Average total assets | $108,967,400 | 4,741 |
| Average earning assets | $97,580,400 | 4,786 |
| Average equity | $13,882,200 | 4,166 |
| Average total loans | $70,939,600 | 4,650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 1,886 |
| Cost of funding earning assets | 1.0410% | 5,736 |
| Net interest margin | 4.6088% | 1,025 |
| Noninterest income to average assets | 0.6857% | 2,904 |
| Noninterest expense to average assets | 3.1114% | 3,289 |
| Loan and lease loss provision to assets | 0.1692% | 5,349 |
| Net operating income to assets | 1.5131% | 900 |
| Return on assets (ROA) | 1.5131% | 980 |
| Pretax return on assets | 1.5231% | 1,551 |
| Return on Equity (ROE) | 11.6242% | 1,612 |
| Retained earnings to average equity (ytd only) | 3.9197% | 3,712 |
| Net charge-offs to loans | 0.4642% | 3,432 |
| Credit loss provision to net charge-offs | 55.1020% | 5,802 |
| Earnings coverage of net charge-offs (x) | 5.5102% | 2,733 |
| Efficiency ratio | 64.7704% | 5,093 |
| Assets per employee ($millions) | 2.1454% | 7,431 |
| Cash dividends to net income (ytd only)* | 66.2802% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5639% | 7,396 |
| Loan loss allowance to noncurrent loans | 52.1277% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 5,729 |
| Noncurrent loans to loans | 1.0818% | 5,073 |
| Net loans and leases to total assets | 63.1714% | 4,283 |
| Net loans and leases to deposits | 74.0080% | 4,508 |
| Net loans and leases to core deposits | 76.9143% | 4,934 |
| Total domestic deposits to total assets | 85.3576% | 3,428 |
| Equity capital to assets | 12.8401% | 1,661 |
| Core capital (leverage) ratio | 12.4612% | 1,434 |
| Tier 1 risk-based capital ratio | 16.5046% | 2,554 |
| Total risk-based capital ratio | 16.9810% | 2,850 |
| Memoranda: | ||
| Average total assets | $106,357,750 | 4,877 |
| Average earning assets | $95,033,000 | 4,925 |
| Average equity | $13,844,250 | 4,236 |
| Average total loans | $70,376,250 | 4,739 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7114% | 1,720 |
| Cost of funding earning assets | 1.0678% | 5,831 |
| Net interest margin | 4.6436% | 905 |
| Noninterest income to average assets | 0.6987% | 2,713 |
| Noninterest expense to average assets | 3.1517% | 3,088 |
| Loan and lease loss provision to assets | 0.1709% | 5,161 |
| Net operating income to assets | 1.5056% | 908 |
| Return on assets (ROA) | 1.5056% | 969 |
| Pretax return on assets | 1.5208% | 1,500 |
| Return on Equity (ROE) | 11.5128% | 1,595 |
| Retained earnings to average equity (ytd only) | 2.0761% | 4,820 |
| Net charge-offs to loans | 0.2547% | 4,075 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 9.9000% | 1,960 |
| Efficiency ratio | 65.0725% | 5,136 |
| Assets per employee ($millions) | 2.0700% | 7,541 |
| Cash dividends to net income (ytd only)* | 81.9672% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 7,203 |
| Loan loss allowance to noncurrent loans | 49.8513% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 5,156 |
| Noncurrent loans to loans | 1.4457% | 4,542 |
| Net loans and leases to total assets | 65.6351% | 3,916 |
| Net loans and leases to deposits | 77.1598% | 4,135 |
| Net loans and leases to core deposits | 80.3029% | 4,656 |
| Total domestic deposits to total assets | 85.0639% | 3,592 |
| Equity capital to assets | 13.1259% | 1,516 |
| Core capital (leverage) ratio | 12.8360% | 1,263 |
| Tier 1 risk-based capital ratio | 16.3954% | 2,518 |
| Total risk-based capital ratio | 17.0147% | 2,739 |
| Memoranda: | ||
| Average total assets | $105,338,670 | 4,937 |
| Average earning assets | $94,022,670 | 4,989 |
| Average equity | $13,776,000 | 4,251 |
| Average total loans | $70,664,670 | 4,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6633% | 1,910 |
| Cost of funding earning assets | 1.0943% | 5,936 |
| Net interest margin | 4.5690% | 1,006 |
| Noninterest income to average assets | 0.6044% | 3,252 |
| Noninterest expense to average assets | 3.2464% | 2,715 |
| Loan and lease loss provision to assets | 0.1711% | 4,817 |
| Net operating income to assets | 1.2355% | 1,445 |
| Return on assets (ROA) | 1.2355% | 1,520 |
| Pretax return on assets | 1.2659% | 2,152 |
| Return on Equity (ROE) | 9.4645% | 2,309 |
| Retained earnings to average equity (ytd only) | 5.0963% | 3,106 |
| Net charge-offs to loans | 0.0281% | 5,177 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 75.6000% | 411 |
| Efficiency ratio | 69.3182% | 4,440 |
| Assets per employee ($millions) | 2.0532% | 7,638 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 7,203 |
| Loan loss allowance to noncurrent loans | 68.5209% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 5,544 |
| Noncurrent loans to loans | 1.1215% | 5,118 |
| Net loans and leases to total assets | 68.1713% | 3,348 |
| Net loans and leases to deposits | 80.5576% | 3,543 |
| Net loans and leases to core deposits | 85.6611% | 3,951 |
| Total domestic deposits to total assets | 84.6243% | 3,845 |
| Equity capital to assets | 13.4519% | 1,347 |
| Core capital (leverage) ratio | 12.8075% | 1,287 |
| Tier 1 risk-based capital ratio | 16.3709% | 2,495 |
| Total risk-based capital ratio | 17.0356% | 2,677 |
| Memoranda: | ||
| Average total assets | $105,223,000 | 5,000 |
| Average earning assets | $93,937,500 | 5,050 |
| Average equity | $13,735,500 | 4,304 |
| Average total loans | $71,100,000 | 4,818 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7938% | 2,682 |
| Cost of funding earning assets | 1.3065% | 6,285 |
| Net interest margin | 4.4873% | 1,203 |
| Noninterest income to average assets | 0.7035% | 2,943 |
| Noninterest expense to average assets | 3.0911% | 3,782 |
| Loan and lease loss provision to assets | 0.1709% | 5,984 |
| Net operating income to assets | 1.4535% | 750 |
| Return on assets (ROA) | 1.4554% | 808 |
| Pretax return on assets | 1.4639% | 1,280 |
| Return on Equity (ROE) | 11.6311% | 1,257 |
| Retained earnings to average equity (ytd only) | 5.5614% | 1,547 |
| Net charge-offs to loans | 0.2158% | 5,273 |
| Credit loss provision to net charge-offs | 124.1379% | 4,234 |
| Earnings coverage of net charge-offs (x) | 11.8621% | 1,561 |
| Efficiency ratio | 65.4341% | 5,503 |
| Assets per employee ($millions) | 2.1134% | 7,641 |
| Cash dividends to net income (ytd only)* | 52.1853% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 7,378 |
| Loan loss allowance to noncurrent loans | 55.7159% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 5,225 |
| Noncurrent loans to loans | 1.2571% | 4,839 |
| Net loans and leases to total assets | 66.0302% | 4,139 |
| Net loans and leases to deposits | 77.1917% | 4,531 |
| Net loans and leases to core deposits | 85.8970% | 5,527 |
| Total domestic deposits to total assets | 85.5405% | 3,269 |
| Equity capital to assets | 12.6744% | 1,660 |
| Core capital (leverage) ratio | 12.5385% | 1,435 |
| Tier 1 risk-based capital ratio | 15.8679% | 2,583 |
| Total risk-based capital ratio | 16.4725% | 2,797 |
| Memoranda: | ||
| Average total assets | $105,334,800 | 4,951 |
| Average earning assets | $94,377,000 | 4,997 |
| Average equity | $13,180,200 | 4,462 |
| Average total loans | $67,200,400 | 4,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8229% | 2,787 |
| Cost of funding earning assets | 1.3387% | 6,437 |
| Net interest margin | 4.4841% | 1,231 |
| Noninterest income to average assets | 0.6888% | 3,098 |
| Noninterest expense to average assets | 3.0734% | 3,753 |
| Loan and lease loss provision to assets | 0.1719% | 5,643 |
| Net operating income to assets | 1.4692% | 878 |
| Return on assets (ROA) | 1.4718% | 934 |
| Pretax return on assets | 1.4718% | 1,493 |
| Return on Equity (ROE) | 11.8016% | 1,418 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,252 |
| Net charge-offs to loans | 0.1473% | 5,228 |
| Credit loss provision to net charge-offs | 184.9315% | 2,463 |
| Earnings coverage of net charge-offs (x) | 17.6577% | 1,392 |
| Efficiency ratio | 65.1904% | 5,515 |
| Assets per employee ($millions) | 2.1399% | 7,672 |
| Cash dividends to net income (ytd only)* | 69.2044% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8085% | 7,087 |
| Loan loss allowance to noncurrent loans | 108.8296% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 5,951 |
| Noncurrent loans to loans | 0.7429% | 5,827 |
| Net loans and leases to total assets | 62.0138% | 5,241 |
| Net loans and leases to deposits | 72.5990% | 5,570 |
| Net loans and leases to core deposits | 80.5201% | 6,303 |
| Total domestic deposits to total assets | 85.4197% | 3,011 |
| Equity capital to assets | 12.7196% | 1,818 |
| Core capital (leverage) ratio | 12.3413% | 1,644 |
| Tier 1 risk-based capital ratio | 16.3442% | 2,499 |
| Total risk-based capital ratio | 17.0211% | 2,647 |
| Memoranda: | ||
| Average total assets | $104,722,500 | 4,997 |
| Average earning assets | $94,017,750 | 5,037 |
| Average equity | $13,060,000 | 4,521 |
| Average total loans | $66,082,500 | 5,062 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8965% | 2,599 |
| Cost of funding earning assets | 1.3714% | 6,578 |
| Net interest margin | 4.5251% | 1,106 |
| Noninterest income to average assets | 0.6916% | 3,043 |
| Noninterest expense to average assets | 3.0016% | 4,077 |
| Loan and lease loss provision to assets | 0.1720% | 5,347 |
| Net operating income to assets | 1.5782% | 715 |
| Return on assets (ROA) | 1.5820% | 768 |
| Pretax return on assets | 1.5820% | 1,243 |
| Return on Equity (ROE) | 12.7702% | 1,226 |
| Retained earnings to average equity (ytd only) | 1.9741% | 4,242 |
| Net charge-offs to loans | 0.1056% | 5,108 |
| Credit loss provision to net charge-offs | 257.1429% | 1,810 |
| Earnings coverage of net charge-offs (x) | 26.1714% | 1,093 |
| Efficiency ratio | 63.1685% | 6,063 |
| Assets per employee ($millions) | 2.0303% | 7,833 |
| Cash dividends to net income (ytd only)* | 84.5411% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 7,135 |
| Loan loss allowance to noncurrent loans | 81.3084% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 5,798 |
| Noncurrent loans to loans | 0.9924% | 5,220 |
| Net loans and leases to total assets | 61.9733% | 5,363 |
| Net loans and leases to deposits | 72.3863% | 5,689 |
| Net loans and leases to core deposits | 79.2396% | 6,470 |
| Total domestic deposits to total assets | 85.6147% | 2,954 |
| Equity capital to assets | 12.4943% | 1,923 |
| Core capital (leverage) ratio | 11.9095% | 1,869 |
| Tier 1 risk-based capital ratio | 16.1813% | 2,556 |
| Total risk-based capital ratio | 16.8534% | 2,699 |
| Memoranda: | ||
| Average total assets | $104,678,670 | 5,026 |
| Average earning assets | $93,920,000 | 5,070 |
| Average equity | $12,967,670 | 4,551 |
| Average total loans | $66,258,670 | 5,098 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0025% | 2,349 |
| Cost of funding earning assets | 1.4044% | 6,720 |
| Net interest margin | 4.5981% | 941 |
| Noninterest income to average assets | 0.6423% | 3,253 |
| Noninterest expense to average assets | 3.0937% | 3,399 |
| Loan and lease loss provision to assets | 0.1710% | 4,754 |
| Net operating income to assets | 1.5088% | 923 |
| Return on assets (ROA) | 1.5088% | 991 |
| Pretax return on assets | 1.5088% | 1,642 |
| Return on Equity (ROE) | 12.2314% | 1,590 |
| Retained earnings to average equity (ytd only) | 8.3802% | 1,670 |
| Net charge-offs to loans | 0.0298% | 5,107 |
| Credit loss provision to net charge-offs | 900.0000% | 680 |
| Earnings coverage of net charge-offs (x) | 88.4000% | 485 |
| Efficiency ratio | 64.8089% | 5,541 |
| Assets per employee ($millions) | 2.1059% | 7,802 |
| Cash dividends to net income (ytd only)* | 31.4861% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7850% | 7,210 |
| Loan loss allowance to noncurrent loans | 89.4180% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 5,784 |
| Noncurrent loans to loans | 0.8779% | 5,258 |
| Net loans and leases to total assets | 60.8559% | 5,517 |
| Net loans and leases to deposits | 71.0924% | 5,857 |
| Net loans and leases to core deposits | 78.9816% | 6,462 |
| Total domestic deposits to total assets | 85.6011% | 2,922 |
| Equity capital to assets | 12.5004% | 1,970 |
| Core capital (leverage) ratio | 12.1542% | 1,839 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,550 |
| Total risk-based capital ratio | 17.0610% | 2,691 |
| Memoranda: | ||
| Average total assets | $105,246,500 | 5,033 |
| Average earning assets | $94,561,000 | 5,074 |
| Average equity | $12,983,000 | 4,583 |
| Average total loans | $67,042,500 | 5,091 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4261% | 3,293 |
| Cost of funding earning assets | 1.9468% | 6,584 |
| Net interest margin | 4.4792% | 1,473 |
| Noninterest income to average assets | 0.6429% | 3,530 |
| Noninterest expense to average assets | 3.0050% | 4,064 |
| Loan and lease loss provision to assets | 0.1730% | 5,174 |
| Net operating income to assets | 1.4347% | 1,158 |
| Return on assets (ROA) | 1.4367% | 1,111 |
| Pretax return on assets | 1.4511% | 1,822 |
| Return on Equity (ROE) | 12.3409% | 1,499 |
| Retained earnings to average equity (ytd only) | 5.3243% | 1,844 |
| Net charge-offs to loans | 0.2929% | 3,439 |
| Credit loss provision to net charge-offs | 92.3077% | 5,622 |
| Earnings coverage of net charge-offs (x) | 8.6564% | 2,842 |
| Efficiency ratio | 64.9429% | 5,341 |
| Assets per employee ($millions) | 2.1469% | 7,774 |
| Cash dividends to net income (ytd only)* | 56.8562% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6719% | 7,498 |
| Loan loss allowance to noncurrent loans | 128.2967% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,119 |
| Noncurrent loans to loans | 0.5237% | 5,782 |
| Net loans and leases to total assets | 65.6217% | 4,929 |
| Net loans and leases to deposits | 76.2967% | 5,553 |
| Net loans and leases to core deposits | 84.7688% | 6,227 |
| Total domestic deposits to total assets | 86.0086% | 2,395 |
| Equity capital to assets | 12.1711% | 2,177 |
| Core capital (leverage) ratio | 11.9424% | 1,994 |
| Tier 1 risk-based capital ratio | 15.4178% | 2,870 |
| Total risk-based capital ratio | 15.9966% | 3,099 |
| Memoranda: | ||
| Average total assets | $104,061,400 | 4,930 |
| Average earning assets | $92,560,200 | 5,012 |
| Average equity | $12,114,200 | 4,805 |
| Average total loans | $66,564,800 | 4,997 |