Home > Farmers & Stockmens Bank > Performance and Condition Ratios
Farmers & Stockmens Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6773% | 2,108 |
| Cost of funding earning assets | 0.2768% | 2,419 |
| Net interest margin | 3.4005% | 1,979 |
| Noninterest income to average assets | 1.8900% | 286 |
| Noninterest expense to average assets | 3.9197% | 347 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1282% | 1,976 |
| Return on assets (ROA) | 1.1282% | 1,943 |
| Pretax return on assets | 1.1282% | 2,636 |
| Return on Equity (ROE) | 12.9600% | 1,710 |
| Retained earnings to average equity (ytd only) | 8.3910% | 1,855 |
| Net charge-offs to loans | 0.0008% | 2,302 |
| Credit loss provision to net charge-offs | 29,750.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,673.0000% | 44 |
| Efficiency ratio | 75.5365% | 1,120 |
| Assets per employee ($millions) | 5.5564% | 3,160 |
| Cash dividends to net income (ytd only)* | 35.2768% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,881 |
| Loan loss allowance to noncurrent loans | 41,125.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,593 |
| Noncurrent loans to loans | 0.0032% | 3,941 |
| Net loans and leases to total assets | 63.9000% | 2,098 |
| Net loans and leases to deposits | 72.0054% | 2,203 |
| Net loans and leases to core deposits | 72.3761% | 2,458 |
| Total domestic deposits to total assets | 88.7400% | 2,190 |
| Equity capital to assets | 8.7516% | 2,373 |
| Core capital (leverage) ratio | 8.4129% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1775% | 2,398 |
| Memoranda: | ||
| Average total assets | $561,492,750 | 1,589 |
| Average earning assets | $544,295,750 | 1,523 |
| Average equity | $48,860,500 | 1,670 |
| Average total loans | $342,581,250 | 1,562 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2704% | 2,833 |
| Cost of funding earning assets | 0.1674% | 3,350 |
| Net interest margin | 3.1030% | 2,528 |
| Noninterest income to average assets | 2.0488% | 223 |
| Noninterest expense to average assets | 3.8965% | 304 |
| Loan and lease loss provision to assets | 0.2284% | 339 |
| Net operating income to assets | 0.9342% | 2,427 |
| Return on assets (ROA) | 0.9342% | 2,406 |
| Pretax return on assets | 0.9342% | 2,951 |
| Return on Equity (ROE) | 10.7570% | 2,070 |
| Retained earnings to average equity (ytd only) | 5.3331% | 2,576 |
| Net charge-offs to loans | -0.0006% | 2,995 |
| Credit loss provision to net charge-offs | -63,700.0000% | 3,917 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0196% | 1,172 |
| Assets per employee ($millions) | 5.3010% | 3,429 |
| Cash dividends to net income (ytd only)* | 50.4221% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,078 |
| Loan loss allowance to noncurrent loans | 41,483.3333% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,640 |
| Noncurrent loans to loans | 0.0032% | 3,979 |
| Net loans and leases to total assets | 67.9651% | 1,482 |
| Net loans and leases to deposits | 76.8822% | 1,622 |
| Net loans and leases to core deposits | 77.2981% | 1,902 |
| Total domestic deposits to total assets | 88.4017% | 2,423 |
| Equity capital to assets | 8.9494% | 2,412 |
| Core capital (leverage) ratio | 8.5681% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8365% | 2,554 |
| Memoranda: | ||
| Average total assets | $557,888,000 | 1,603 |
| Average earning assets | $541,214,333 | 1,550 |
| Average equity | $48,452,000 | 1,720 |
| Average total loans | $333,229,667 | 1,588 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0800% | 3,038 |
| Cost of funding earning assets | 0.1666% | 3,271 |
| Net interest margin | 2.9133% | 2,790 |
| Noninterest income to average assets | 1.9552% | 248 |
| Noninterest expense to average assets | 3.7522% | 331 |
| Loan and lease loss provision to assets | 0.0958% | 864 |
| Net operating income to assets | 0.9350% | 2,131 |
| Return on assets (ROA) | 0.9350% | 2,122 |
| Pretax return on assets | 0.9350% | 2,651 |
| Return on Equity (ROE) | 10.9273% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.1633% | 1,841 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4485% | 1,275 |
| Assets per employee ($millions) | 5.1591% | 3,617 |
| Cash dividends to net income (ytd only)* | 34.4461% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 2,255 |
| Loan loss allowance to noncurrent loans | 18,650.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 4,051 |
| Noncurrent loans to loans | 0.0071% | 3,977 |
| Net loans and leases to total assets | 58.9300% | 2,193 |
| Net loans and leases to deposits | 66.2638% | 2,312 |
| Net loans and leases to core deposits | 66.5397% | 2,577 |
| Total domestic deposits to total assets | 88.9323% | 2,116 |
| Equity capital to assets | 8.6365% | 3,034 |
| Core capital (leverage) ratio | 8.0464% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2082% | 2,118 |
| Memoranda: | ||
| Average total assets | $563,831,000 | 1,593 |
| Average earning assets | $547,281,000 | 1,538 |
| Average equity | $48,246,000 | 1,783 |
| Average total loans | $311,810,000 | 1,650 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9005% | 1,612 |
| Cost of funding earning assets | 0.2527% | 2,892 |
| Net interest margin | 3.6478% | 1,345 |
| Noninterest income to average assets | 2.4390% | 241 |
| Noninterest expense to average assets | 4.3942% | 226 |
| Loan and lease loss provision to assets | 0.1969% | 557 |
| Net operating income to assets | 1.3713% | 1,372 |
| Return on assets (ROA) | 1.3713% | 1,421 |
| Pretax return on assets | 1.3713% | 2,134 |
| Return on Equity (ROE) | 15.1468% | 923 |
| Retained earnings to average equity (ytd only) | 5.4729% | 2,576 |
| Net charge-offs to loans | 0.0029% | 2,515 |
| Credit loss provision to net charge-offs | 10,166.6667% | 65 |
| Earnings coverage of net charge-offs (x) | 809.5556% | 184 |
| Efficiency ratio | 73.6986% | 1,340 |
| Assets per employee ($millions) | 5.5462% | 3,216 |
| Cash dividends to net income (ytd only)* | 63.8675% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 1,469 |
| Loan loss allowance to noncurrent loans | 18,087.5000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,130 |
| Noncurrent loans to loans | 0.0084% | 4,042 |
| Net loans and leases to total assets | 50.0526% | 3,271 |
| Net loans and leases to deposits | 56.1895% | 3,400 |
| Net loans and leases to core deposits | 56.4245% | 3,591 |
| Total domestic deposits to total assets | 89.0782% | 1,471 |
| Equity capital to assets | 8.4761% | 4,062 |
| Core capital (leverage) ratio | 8.5236% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3104% | 2,122 |
| Memoranda: | ||
| Average total assets | $464,611,400 | 1,795 |
| Average earning assets | $448,757,600 | 1,737 |
| Average equity | $42,061,800 | 2,012 |
| Average total loans | $311,267,600 | 1,662 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 956 |
| Cost of funding earning assets | 0.2844% | 2,753 |
| Net interest margin | 4.0130% | 778 |
| Noninterest income to average assets | 2.8480% | 211 |
| Noninterest expense to average assets | 4.6444% | 206 |
| Loan and lease loss provision to assets | 0.1559% | 711 |
| Net operating income to assets | 1.9117% | 545 |
| Return on assets (ROA) | 1.9117% | 568 |
| Pretax return on assets | 1.9117% | 926 |
| Return on Equity (ROE) | 20.6969% | 378 |
| Retained earnings to average equity (ytd only) | 7.3695% | 2,283 |
| Net charge-offs to loans | 0.0055% | 2,130 |
| Credit loss provision to net charge-offs | 3,961.5385% | 196 |
| Earnings coverage of net charge-offs (x) | 525.6923% | 288 |
| Efficiency ratio | 69.1968% | 1,683 |
| Assets per employee ($millions) | 4.2644% | 4,292 |
| Cash dividends to net income (ytd only)* | 64.3931% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,146 |
| Loan loss allowance to noncurrent loans | 16,404.1667% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0188% | 4,075 |
| Noncurrent loans to loans | 0.0083% | 4,147 |
| Net loans and leases to total assets | 63.3762% | 1,855 |
| Net loans and leases to deposits | 72.3013% | 2,022 |
| Net loans and leases to core deposits | 72.6869% | 2,353 |
| Total domestic deposits to total assets | 87.6556% | 2,029 |
| Equity capital to assets | 9.1512% | 3,695 |
| Core capital (leverage) ratio | 9.1688% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3646% | 2,222 |
| Memoranda: | ||
| Average total assets | $440,723,500 | 1,888 |
| Average earning assets | $424,339,000 | 1,838 |
| Average equity | $40,707,250 | 2,093 |
| Average total loans | $317,905,250 | 1,663 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 489 |
| Cost of funding earning assets | 0.2981% | 2,791 |
| Net interest margin | 4.4684% | 377 |
| Noninterest income to average assets | 3.3391% | 163 |
| Noninterest expense to average assets | 4.7439% | 190 |
| Loan and lease loss provision to assets | 0.1756% | 657 |
| Net operating income to assets | 2.7283% | 166 |
| Return on assets (ROA) | 2.7283% | 169 |
| Pretax return on assets | 2.7283% | 253 |
| Return on Equity (ROE) | 29.4453% | 103 |
| Retained earnings to average equity (ytd only) | 14.1072% | 530 |
| Net charge-offs to loans | 0.0043% | 2,003 |
| Credit loss provision to net charge-offs | 5,500.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 909.2857% | 147 |
| Efficiency ratio | 62.0295% | 2,724 |
| Assets per employee ($millions) | 3.9385% | 4,485 |
| Cash dividends to net income (ytd only)* | 52.0903% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,156 |
| Loan loss allowance to noncurrent loans | 15,887.5000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,134 |
| Noncurrent loans to loans | 0.0086% | 4,197 |
| Net loans and leases to total assets | 69.5447% | 1,256 |
| Net loans and leases to deposits | 80.9274% | 1,335 |
| Net loans and leases to core deposits | 81.5448% | 1,756 |
| Total domestic deposits to total assets | 85.9346% | 2,763 |
| Equity capital to assets | 10.4559% | 2,428 |
| Core capital (leverage) ratio | 9.8000% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6863% | 1,422 |
| Memoranda: | ||
| Average total assets | $438,376,000 | 1,886 |
| Average earning assets | $422,701,333 | 1,836 |
| Average equity | $40,617,667 | 2,078 |
| Average total loans | $327,969,000 | 1,633 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4505% | 202 |
| Cost of funding earning assets | 0.2837% | 3,159 |
| Net interest margin | 5.1668% | 154 |
| Noninterest income to average assets | 3.1901% | 186 |
| Noninterest expense to average assets | 4.3605% | 224 |
| Loan and lease loss provision to assets | 0.2372% | 461 |
| Net operating income to assets | 3.5791% | 104 |
| Return on assets (ROA) | 3.5791% | 110 |
| Pretax return on assets | 3.5791% | 136 |
| Return on Equity (ROE) | 40.9071% | 65 |
| Retained earnings to average equity (ytd only) | 28.0488% | 98 |
| Net charge-offs to loans | 0.0034% | 1,805 |
| Credit loss provision to net charge-offs | 9,066.6667% | 67 |
| Earnings coverage of net charge-offs (x) | 1,458.6667% | 59 |
| Efficiency ratio | 53.3276% | 3,875 |
| Assets per employee ($millions) | 4.9662% | 3,696 |
| Cash dividends to net income (ytd only)* | 31.4327% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0256% | 3,745 |
| Loan loss allowance to noncurrent loans | 15,433.3333% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,243 |
| Noncurrent loans to loans | 0.0066% | 4,294 |
| Net loans and leases to total assets | 78.2314% | 455 |
| Net loans and leases to deposits | 109.9337% | 132 |
| Net loans and leases to core deposits | 110.9003% | 386 |
| Total domestic deposits to total assets | 71.1624% | 4,739 |
| Equity capital to assets | 9.0912% | 3,605 |
| Core capital (leverage) ratio | 10.6010% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9829% | 1,575 |
| Memoranda: | ||
| Average total assets | $458,667,500 | 1,816 |
| Average earning assets | $442,674,500 | 1,771 |
| Average equity | $40,130,000 | 2,082 |
| Average total loans | $351,725,000 | 1,562 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7667% | 775 |
| Cost of funding earning assets | 0.4057% | 3,544 |
| Net interest margin | 4.3611% | 446 |
| Noninterest income to average assets | 3.1814% | 179 |
| Noninterest expense to average assets | 5.0965% | 184 |
| Loan and lease loss provision to assets | 0.3112% | 1,198 |
| Net operating income to assets | 1.9274% | 300 |
| Return on assets (ROA) | 1.9274% | 325 |
| Pretax return on assets | 1.9274% | 526 |
| Return on Equity (ROE) | 19.2003% | 270 |
| Retained earnings to average equity (ytd only) | 11.8597% | 334 |
| Net charge-offs to loans | -0.0063% | 4,183 |
| Credit loss provision to net charge-offs | -6,423.5294% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4818% | 2,022 |
| Assets per employee ($millions) | 5.4815% | 2,861 |
| Cash dividends to net income (ytd only)* | 38.2318% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,853 |
| Loan loss allowance to noncurrent loans | 14,308.3333% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,306 |
| Noncurrent loans to loans | 0.0070% | 4,366 |
| Net loans and leases to total assets | 73.5984% | 1,081 |
| Net loans and leases to deposits | 109.1282% | 175 |
| Net loans and leases to core deposits | 110.1365% | 504 |
| Total domestic deposits to total assets | 67.4422% | 4,825 |
| Equity capital to assets | 8.4100% | 4,508 |
| Core capital (leverage) ratio | 10.9909% | 1,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9578% | 1,546 |
| Memoranda: | ||
| Average total assets | $350,946,400 | 2,045 |
| Average earning assets | $334,254,000 | 2,007 |
| Average equity | $35,228,600 | 2,223 |
| Average total loans | $270,996,400 | 1,823 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8398% | 137 |
| Cost of funding earning assets | 0.4451% | 3,550 |
| Net interest margin | 5.3947% | 84 |
| Noninterest income to average assets | 3.0451% | 180 |
| Noninterest expense to average assets | 5.3085% | 166 |
| Loan and lease loss provision to assets | 0.3656% | 1,017 |
| Net operating income to assets | 2.4851% | 146 |
| Return on assets (ROA) | 2.4851% | 155 |
| Pretax return on assets | 2.4851% | 216 |
| Return on Equity (ROE) | 23.4060% | 141 |
| Retained earnings to average equity (ytd only) | 13.3699% | 297 |
| Net charge-offs to loans | -0.0090% | 4,198 |
| Credit loss provision to net charge-offs | -5,217.6471% | 4,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0624% | 2,584 |
| Assets per employee ($millions) | 5.2042% | 3,017 |
| Cash dividends to net income (ytd only)* | 42.8785% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,972 |
| Loan loss allowance to noncurrent loans | 13,458.3333% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,306 |
| Noncurrent loans to loans | 0.0069% | 4,423 |
| Net loans and leases to total assets | 79.4869% | 658 |
| Net loans and leases to deposits | 125.2054% | 78 |
| Net loans and leases to core deposits | 126.6370% | 294 |
| Total domestic deposits to total assets | 63.4852% | 4,895 |
| Equity capital to assets | 8.7941% | 4,258 |
| Core capital (leverage) ratio | 11.6690% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5126% | 1,129 |
| Memoranda: | ||
| Average total assets | $323,572,500 | 2,151 |
| Average earning assets | $306,739,750 | 2,120 |
| Average equity | $34,355,000 | 2,251 |
| Average total loans | $253,167,500 | 1,903 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4992% | 44 |
| Cost of funding earning assets | 0.5042% | 3,508 |
| Net interest margin | 6.9950% | 32 |
| Noninterest income to average assets | 2.6989% | 193 |
| Noninterest expense to average assets | 5.6616% | 148 |
| Loan and lease loss provision to assets | 0.3966% | 1,024 |
| Net operating income to assets | 3.2235% | 71 |
| Return on assets (ROA) | 3.2235% | 76 |
| Pretax return on assets | 3.2235% | 92 |
| Return on Equity (ROE) | 27.9562% | 80 |
| Retained earnings to average equity (ytd only) | 15.9724% | 176 |
| Net charge-offs to loans | -0.0144% | 4,309 |
| Credit loss provision to net charge-offs | -3,562.5000% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9970% | 3,278 |
| Assets per employee ($millions) | 5.1377% | 3,015 |
| Cash dividends to net income (ytd only)* | 42.8664% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,916 |
| Loan loss allowance to noncurrent loans | 12,133.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,388 |
| Noncurrent loans to loans | 0.0076% | 4,491 |
| Net loans and leases to total assets | 76.3232% | 1,080 |
| Net loans and leases to deposits | 123.3369% | 78 |
| Net loans and leases to core deposits | 124.7301% | 338 |
| Total domestic deposits to total assets | 61.8819% | 4,942 |
| Equity capital to assets | 9.0461% | 4,050 |
| Core capital (leverage) ratio | 9.2624% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9922% | 1,058 |
| Memoranda: | ||
| Average total assets | $287,447,333 | 2,327 |
| Average earning assets | $270,508,333 | 2,302 |
| Average equity | $33,144,667 | 2,312 |
| Average total loans | $222,032,667 | 2,064 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 369 |
| Cost of funding earning assets | 0.6778% | 3,024 |
| Net interest margin | 4.8379% | 257 |
| Noninterest income to average assets | 2.9637% | 155 |
| Noninterest expense to average assets | 6.3971% | 138 |
| Loan and lease loss provision to assets | 0.2216% | 1,393 |
| Net operating income to assets | 0.8491% | 2,715 |
| Return on assets (ROA) | 0.8491% | 2,808 |
| Pretax return on assets | 0.8491% | 3,288 |
| Return on Equity (ROE) | 6.1555% | 3,256 |
| Retained earnings to average equity (ytd only) | -1.1823% | 4,168 |
| Net charge-offs to loans | -0.0320% | 4,490 |
| Credit loss provision to net charge-offs | -892.8571% | 3,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6634% | 723 |
| Assets per employee ($millions) | 3.0844% | 4,756 |
| Cash dividends to net income (ytd only)* | 119.2067% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 1,681 |
| Loan loss allowance to noncurrent loans | 10,266.6667% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 4,226 |
| Noncurrent loans to loans | 0.0137% | 4,513 |
| Net loans and leases to total assets | 75.8101% | 1,331 |
| Net loans and leases to deposits | 94.3489% | 1,047 |
| Net loans and leases to core deposits | 95.8287% | 1,807 |
| Total domestic deposits to total assets | 80.3508% | 3,790 |
| Equity capital to assets | 14.5710% | 869 |
| Core capital (leverage) ratio | 13.7843% | 965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9067% | 1,369 |
| Memoranda: | ||
| Average total assets | $225,663,500 | 2,667 |
| Average earning assets | $210,092,000 | 2,664 |
| Average equity | $31,126,500 | 2,392 |
| Average total loans | $174,743,000 | 2,418 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7910% | 335 |
| Cost of funding earning assets | 0.8944% | 2,213 |
| Net interest margin | 4.8966% | 334 |
| Noninterest income to average assets | 2.9077% | 156 |
| Noninterest expense to average assets | 5.3767% | 169 |
| Loan and lease loss provision to assets | 0.0449% | 3,113 |
| Net operating income to assets | 2.0390% | 317 |
| Return on assets (ROA) | 2.0390% | 337 |
| Pretax return on assets | 2.0390% | 550 |
| Return on Equity (ROE) | 15.9825% | 539 |
| Retained earnings to average equity (ytd only) | 7.8534% | 1,022 |
| Net charge-offs to loans | 0.0571% | 2,285 |
| Credit loss provision to net charge-offs | 102.1053% | 2,429 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 1,170 |
| Efficiency ratio | 71.4162% | 1,956 |
| Assets per employee ($millions) | 3.1868% | 4,714 |
| Cash dividends to net income (ytd only)* | 50.8625% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 1,760 |
| Loan loss allowance to noncurrent loans | 775.3333% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 3,664 |
| Noncurrent loans to loans | 0.1724% | 3,845 |
| Net loans and leases to total assets | 76.9508% | 1,267 |
| Net loans and leases to deposits | 92.1997% | 1,345 |
| Net loans and leases to core deposits | 95.9987% | 1,901 |
| Total domestic deposits to total assets | 83.4610% | 3,041 |
| Equity capital to assets | 12.9976% | 1,523 |
| Core capital (leverage) ratio | 11.8838% | 1,855 |
| Tier 1 risk-based capital ratio | 13.2014% | 3,683 |
| Total risk-based capital ratio | 14.4522% | 3,572 |
| Memoranda: | ||
| Average total assets | $216,081,200 | 2,699 |
| Average earning assets | $200,916,800 | 2,704 |
| Average equity | $27,567,600 | 2,524 |
| Average total loans | $166,517,400 | 2,451 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8034% | 348 |
| Cost of funding earning assets | 0.9266% | 2,106 |
| Net interest margin | 4.8769% | 361 |
| Noninterest income to average assets | 2.6121% | 185 |
| Noninterest expense to average assets | 5.0786% | 202 |
| Loan and lease loss provision to assets | 0.0218% | 3,480 |
| Net operating income to assets | 2.0497% | 363 |
| Return on assets (ROA) | 2.0497% | 376 |
| Pretax return on assets | 2.0497% | 616 |
| Return on Equity (ROE) | 16.1452% | 586 |
| Retained earnings to average equity (ytd only) | 5.1547% | 2,817 |
| Net charge-offs to loans | 0.0769% | 1,725 |
| Credit loss provision to net charge-offs | 36.8421% | 2,872 |
| Earnings coverage of net charge-offs (x) | 35.0536% | 1,479 |
| Efficiency ratio | 70.2801% | 2,077 |
| Assets per employee ($millions) | 3.5732% | 4,424 |
| Cash dividends to net income (ytd only)* | 68.0728% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 1,796 |
| Loan loss allowance to noncurrent loans | 28,950.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,268 |
| Noncurrent loans to loans | 0.0046% | 4,666 |
| Net loans and leases to total assets | 78.1579% | 1,111 |
| Net loans and leases to deposits | 94.5886% | 1,162 |
| Net loans and leases to core deposits | 99.7804% | 1,676 |
| Total domestic deposits to total assets | 82.6292% | 3,271 |
| Equity capital to assets | 12.7847% | 1,740 |
| Core capital (leverage) ratio | 11.8806% | 1,936 |
| Tier 1 risk-based capital ratio | 13.6900% | 3,480 |
| Total risk-based capital ratio | 14.9417% | 3,385 |
| Memoranda: | ||
| Average total assets | $214,331,750 | 2,733 |
| Average earning assets | $199,440,250 | 2,740 |
| Average equity | $27,210,750 | 2,558 |
| Average total loans | $164,650,000 | 2,484 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7901% | 343 |
| Cost of funding earning assets | 0.9470% | 1,932 |
| Net interest margin | 4.8431% | 379 |
| Noninterest income to average assets | 2.3461% | 212 |
| Noninterest expense to average assets | 4.9014% | 229 |
| Loan and lease loss provision to assets | 0.0141% | 3,495 |
| Net operating income to assets | 1.9369% | 438 |
| Return on assets (ROA) | 1.9369% | 461 |
| Pretax return on assets | 1.9369% | 772 |
| Return on Equity (ROE) | 15.2932% | 704 |
| Retained earnings to average equity (ytd only) | 3.4010% | 3,542 |
| Net charge-offs to loans | 0.1296% | 1,164 |
| Credit loss provision to net charge-offs | 14.2857% | 2,681 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,805 |
| Efficiency ratio | 70.7477% | 2,111 |
| Assets per employee ($millions) | 3.3861% | 4,622 |
| Cash dividends to net income (ytd only)* | 77.7616% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,314 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 79.7978% | 913 |
| Net loans and leases to deposits | 97.3613% | 902 |
| Net loans and leases to core deposits | 106.9078% | 1,181 |
| Total domestic deposits to total assets | 81.9605% | 3,524 |
| Equity capital to assets | 13.1933% | 1,491 |
| Core capital (leverage) ratio | 11.7827% | 1,959 |
| Tier 1 risk-based capital ratio | 13.5713% | 3,538 |
| Total risk-based capital ratio | 14.8229% | 3,440 |
| Memoranda: | ||
| Average total assets | $213,121,000 | 2,753 |
| Average earning assets | $198,304,330 | 2,755 |
| Average equity | $26,992,330 | 2,568 |
| Average total loans | $161,976,000 | 2,514 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 366 |
| Cost of funding earning assets | 0.9817% | 1,646 |
| Net interest margin | 4.7138% | 476 |
| Noninterest income to average assets | 1.8724% | 272 |
| Noninterest expense to average assets | 4.6006% | 267 |
| Loan and lease loss provision to assets | 0.0148% | 3,241 |
| Net operating income to assets | 1.6414% | 823 |
| Return on assets (ROA) | 1.6414% | 850 |
| Pretax return on assets | 1.6414% | 1,366 |
| Return on Equity (ROE) | 13.2226% | 1,149 |
| Retained earnings to average equity (ytd only) | 3.7970% | 3,405 |
| Net charge-offs to loans | 0.2861% | 517 |
| Credit loss provision to net charge-offs | 7.0175% | 2,189 |
| Earnings coverage of net charge-offs (x) | 7.8596% | 2,112 |
| Efficiency ratio | 72.6736% | 1,933 |
| Assets per employee ($millions) | 3.5931% | 4,469 |
| Cash dividends to net income (ytd only)* | 71.2838% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 1,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 4,363 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.1839% | 1,292 |
| Net loans and leases to deposits | 93.9260% | 1,188 |
| Net loans and leases to core deposits | 102.3036% | 1,435 |
| Total domestic deposits to total assets | 82.1752% | 3,682 |
| Equity capital to assets | 12.9616% | 1,477 |
| Core capital (leverage) ratio | 11.2121% | 2,376 |
| Tier 1 risk-based capital ratio | 13.4418% | 3,638 |
| Total risk-based capital ratio | 14.6933% | 3,543 |
| Memoranda: | ||
| Average total assets | $216,405,500 | 2,752 |
| Average earning assets | $201,280,000 | 2,749 |
| Average equity | $26,863,000 | 2,579 |
| Average total loans | $159,409,000 | 2,565 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4925% | 408 |
| Cost of funding earning assets | 0.7797% | 1,637 |
| Net interest margin | 4.7128% | 472 |
| Noninterest income to average assets | 2.3951% | 208 |
| Noninterest expense to average assets | 4.6888% | 256 |
| Loan and lease loss provision to assets | 0.0607% | 2,944 |
| Net operating income to assets | 2.0372% | 334 |
| Return on assets (ROA) | 2.0372% | 332 |
| Pretax return on assets | 2.0372% | 517 |
| Return on Equity (ROE) | 17.0797% | 485 |
| Retained earnings to average equity (ytd only) | 7.9209% | 1,272 |
| Net charge-offs to loans | 0.0156% | 3,165 |
| Credit loss provision to net charge-offs | 520.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 179.6000% | 486 |
| Efficiency ratio | 68.2960% | 2,494 |
| Assets per employee ($millions) | 3.9370% | 3,983 |
| Cash dividends to net income (ytd only)* | 53.6239% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 4,396 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 68.3218% | 2,834 |
| Net loans and leases to deposits | 81.7089% | 2,770 |
| Net loans and leases to core deposits | 88.4495% | 2,716 |
| Total domestic deposits to total assets | 83.6161% | 3,119 |
| Equity capital to assets | 11.9041% | 1,969 |
| Core capital (leverage) ratio | 10.6394% | 2,898 |
| Tier 1 risk-based capital ratio | 13.0711% | 3,805 |
| Total risk-based capital ratio | 14.3229% | 3,692 |
| Memoranda: | ||
| Average total assets | $214,018,800 | 2,740 |
| Average earning assets | $199,437,000 | 2,725 |
| Average equity | $25,527,400 | 2,604 |
| Average total loans | $159,761,400 | 2,530 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4986% | 361 |
| Cost of funding earning assets | 0.7149% | 1,773 |
| Net interest margin | 4.7837% | 387 |
| Noninterest income to average assets | 2.6493% | 190 |
| Noninterest expense to average assets | 4.8237% | 231 |
| Loan and lease loss provision to assets | 0.0631% | 2,715 |
| Net operating income to assets | 2.2142% | 262 |
| Return on assets (ROA) | 2.2142% | 259 |
| Pretax return on assets | 2.2142% | 391 |
| Return on Equity (ROE) | 18.5536% | 377 |
| Retained earnings to average equity (ytd only) | 6.1986% | 2,549 |
| Net charge-offs to loans | 0.0290% | 2,517 |
| Credit loss provision to net charge-offs | 285.7143% | 1,062 |
| Earnings coverage of net charge-offs (x) | 103.1616% | 729 |
| Efficiency ratio | 67.1758% | 2,687 |
| Assets per employee ($millions) | 3.9552% | 3,957 |
| Cash dividends to net income (ytd only)* | 66.5908% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 4,482 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 71.8067% | 2,358 |
| Net loans and leases to deposits | 86.6036% | 2,307 |
| Net loans and leases to core deposits | 101.1042% | 1,690 |
| Total domestic deposits to total assets | 82.9143% | 3,337 |
| Equity capital to assets | 11.6638% | 2,138 |
| Core capital (leverage) ratio | 10.7270% | 2,862 |
| Tier 1 risk-based capital ratio | 12.6402% | 4,131 |
| Total risk-based capital ratio | 13.8920% | 4,020 |
| Memoranda: | ||
| Average total assets | $211,421,000 | 2,780 |
| Average earning assets | $196,746,750 | 2,766 |
| Average equity | $25,230,750 | 2,642 |
| Average total loans | $160,777,500 | 2,525 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 278 |
| Cost of funding earning assets | 0.6704% | 1,811 |
| Net interest margin | 4.9229% | 286 |
| Noninterest income to average assets | 2.8251% | 175 |
| Noninterest expense to average assets | 4.9754% | 218 |
| Loan and lease loss provision to assets | 0.0673% | 2,543 |
| Net operating income to assets | 2.3493% | 185 |
| Return on assets (ROA) | 2.3493% | 181 |
| Pretax return on assets | 2.3493% | 300 |
| Return on Equity (ROE) | 19.5288% | 295 |
| Retained earnings to average equity (ytd only) | 5.1938% | 2,977 |
| Net charge-offs to loans | 0.0573% | 1,786 |
| Credit loss provision to net charge-offs | 152.1739% | 1,566 |
| Earnings coverage of net charge-offs (x) | 54.6522% | 1,065 |
| Efficiency ratio | 66.5670% | 2,883 |
| Assets per employee ($millions) | 3.8373% | 4,151 |
| Cash dividends to net income (ytd only)* | 73.4043% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 1,049 |
| Loan loss allowance to noncurrent loans | 361.3569% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 2,994 |
| Noncurrent loans to loans | 0.4494% | 3,092 |
| Net loans and leases to total assets | 71.6315% | 2,335 |
| Net loans and leases to deposits | 88.5490% | 2,042 |
| Net loans and leases to core deposits | 106.3701% | 1,218 |
| Total domestic deposits to total assets | 80.8948% | 4,023 |
| Equity capital to assets | 12.2249% | 1,708 |
| Core capital (leverage) ratio | 10.8035% | 2,696 |
| Tier 1 risk-based capital ratio | 12.8330% | 3,992 |
| Total risk-based capital ratio | 14.0853% | 3,902 |
| Memoranda: | ||
| Average total assets | $208,065,000 | 2,830 |
| Average earning assets | $193,015,000 | 2,822 |
| Average equity | $25,029,670 | 2,661 |
| Average total loans | $160,525,000 | 2,545 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 296 |
| Cost of funding earning assets | 0.6411% | 1,771 |
| Net interest margin | 4.8225% | 329 |
| Noninterest income to average assets | 2.7378% | 175 |
| Noninterest expense to average assets | 5.0899% | 208 |
| Loan and lease loss provision to assets | 0.0767% | 2,232 |
| Net operating income to assets | 2.0452% | 331 |
| Return on assets (ROA) | 2.0452% | 334 |
| Pretax return on assets | 2.0452% | 524 |
| Return on Equity (ROE) | 17.1393% | 496 |
| Retained earnings to average equity (ytd only) | 5.3862% | 2,998 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8058% | 2,515 |
| Assets per employee ($millions) | 3.7298% | 4,376 |
| Cash dividends to net income (ytd only)* | 68.5741% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4764% | 1,554 |
| Loan loss allowance to noncurrent loans | 186.3946% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 2,070 |
| Noncurrent loans to loans | 0.7921% | 2,228 |
| Net loans and leases to total assets | 80.2190% | 907 |
| Net loans and leases to deposits | 99.3048% | 761 |
| Net loans and leases to core deposits | 116.1825% | 722 |
| Total domestic deposits to total assets | 80.7805% | 4,251 |
| Equity capital to assets | 12.2009% | 1,661 |
| Core capital (leverage) ratio | 10.6042% | 2,848 |
| Tier 1 risk-based capital ratio | 11.9051% | 4,601 |
| Total risk-based capital ratio | 13.1563% | 4,502 |
| Memoranda: | ||
| Average total assets | $208,489,500 | 2,860 |
| Average earning assets | $193,427,000 | 2,847 |
| Average equity | $24,878,500 | 2,696 |
| Average total loans | $165,346,500 | 2,520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2076% | 441 |
| Cost of funding earning assets | 0.6797% | 1,134 |
| Net interest margin | 4.5279% | 577 |
| Noninterest income to average assets | 3.0367% | 173 |
| Noninterest expense to average assets | 5.0189% | 216 |
| Loan and lease loss provision to assets | 0.1144% | 1,988 |
| Net operating income to assets | 2.1186% | 223 |
| Return on assets (ROA) | 2.1201% | 231 |
| Pretax return on assets | 2.1201% | 379 |
| Return on Equity (ROE) | 18.9291% | 244 |
| Retained earnings to average equity (ytd only) | 9.2658% | 462 |
| Net charge-offs to loans | 0.0044% | 3,933 |
| Credit loss provision to net charge-offs | 3,414.2857% | 121 |
| Earnings coverage of net charge-offs (x) | 666.4286% | 130 |
| Efficiency ratio | 68.4554% | 2,803 |
| Assets per employee ($millions) | 3.7165% | 4,410 |
| Cash dividends to net income (ytd only)* | 51.0499% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,467 |
| Loan loss allowance to noncurrent loans | 170.4849% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 2,012 |
| Noncurrent loans to loans | 0.8695% | 2,050 |
| Net loans and leases to total assets | 76.1143% | 1,569 |
| Net loans and leases to deposits | 93.3145% | 1,355 |
| Net loans and leases to core deposits | 111.1334% | 942 |
| Total domestic deposits to total assets | 81.5675% | 3,980 |
| Equity capital to assets | 11.6731% | 2,056 |
| Core capital (leverage) ratio | 10.0904% | 3,337 |
| Tier 1 risk-based capital ratio | 11.5331% | 4,830 |
| Total risk-based capital ratio | 12.7841% | 4,727 |
| Memoranda: | ||
| Average total assets | $208,908,800 | 2,834 |
| Average earning assets | $194,484,400 | 2,819 |
| Average equity | $23,397,800 | 2,816 |
| Average total loans | $158,036,600 | 2,568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 511 |
| Cost of funding earning assets | 0.6712% | 1,118 |
| Net interest margin | 4.4212% | 703 |
| Noninterest income to average assets | 3.2023% | 175 |
| Noninterest expense to average assets | 5.0597% | 217 |
| Loan and lease loss provision to assets | 0.1243% | 1,740 |
| Net operating income to assets | 2.1360% | 247 |
| Return on assets (ROA) | 2.1379% | 249 |
| Pretax return on assets | 2.1379% | 417 |
| Return on Equity (ROE) | 19.2955% | 259 |
| Retained earnings to average equity (ytd only) | 6.2256% | 2,097 |
| Net charge-offs to loans | 0.0068% | 3,488 |
| Credit loss provision to net charge-offs | 2,425.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 440.9766% | 222 |
| Efficiency ratio | 68.3699% | 2,808 |
| Assets per employee ($millions) | 3.7955% | 4,311 |
| Cash dividends to net income (ytd only)* | 67.7351% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,606 |
| Loan loss allowance to noncurrent loans | 167.0175% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 2,214 |
| Noncurrent loans to loans | 0.8866% | 2,159 |
| Net loans and leases to total assets | 73.1940% | 2,061 |
| Net loans and leases to deposits | 90.4547% | 1,751 |
| Net loans and leases to core deposits | 107.4506% | 1,174 |
| Total domestic deposits to total assets | 80.9178% | 4,072 |
| Equity capital to assets | 10.9382% | 2,926 |
| Core capital (leverage) ratio | 9.6572% | 3,979 |
| Tier 1 risk-based capital ratio | 11.2842% | 5,089 |
| Total risk-based capital ratio | 12.5351% | 4,977 |
| Memoranda: | ||
| Average total assets | $208,176,500 | 2,861 |
| Average earning assets | $193,879,000 | 2,850 |
| Average equity | $23,065,250 | 2,871 |
| Average total loans | $156,629,500 | 2,601 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1000% | 472 |
| Cost of funding earning assets | 0.6673% | 1,056 |
| Net interest margin | 4.4327% | 660 |
| Noninterest income to average assets | 3.3166% | 171 |
| Noninterest expense to average assets | 5.2313% | 201 |
| Loan and lease loss provision to assets | 0.1596% | 1,248 |
| Net operating income to assets | 2.0511% | 278 |
| Return on assets (ROA) | 2.0511% | 287 |
| Pretax return on assets | 2.0511% | 491 |
| Return on Equity (ROE) | 18.4294% | 297 |
| Retained earnings to average equity (ytd only) | 4.9157% | 2,767 |
| Net charge-offs to loans | -0.0013% | 4,151 |
| Credit loss provision to net charge-offs | -16,400.0000% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5487% | 2,758 |
| Assets per employee ($millions) | 3.4056% | 4,855 |
| Cash dividends to net income (ytd only)* | 73.3270% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,628 |
| Loan loss allowance to noncurrent loans | 165.0805% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,233 |
| Noncurrent loans to loans | 0.8998% | 2,178 |
| Net loans and leases to total assets | 74.0959% | 1,847 |
| Net loans and leases to deposits | 92.3767% | 1,446 |
| Net loans and leases to core deposits | 110.6411% | 972 |
| Total domestic deposits to total assets | 80.2106% | 4,363 |
| Equity capital to assets | 10.9743% | 2,835 |
| Core capital (leverage) ratio | 9.7324% | 3,860 |
| Tier 1 risk-based capital ratio | 11.1778% | 5,160 |
| Total risk-based capital ratio | 12.4292% | 5,048 |
| Memoranda: | ||
| Average total assets | $205,454,330 | 2,902 |
| Average earning assets | $191,214,670 | 2,895 |
| Average equity | $22,865,670 | 2,891 |
| Average total loans | $155,262,670 | 2,629 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 514 |
| Cost of funding earning assets | 0.6636% | 1,007 |
| Net interest margin | 4.3528% | 701 |
| Noninterest income to average assets | 3.4372% | 174 |
| Noninterest expense to average assets | 5.2950% | 203 |
| Loan and lease loss provision to assets | 0.2942% | 472 |
| Net operating income to assets | 1.9012% | 364 |
| Return on assets (ROA) | 1.9012% | 379 |
| Pretax return on assets | 1.9012% | 634 |
| Return on Equity (ROE) | 16.9598% | 420 |
| Retained earnings to average equity (ytd only) | 10.6549% | 667 |
| Net charge-offs to loans | -0.0026% | 4,038 |
| Credit loss provision to net charge-offs | -14,900.0000% | 4,790 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9262% | 2,906 |
| Assets per employee ($millions) | 3.3600% | 4,978 |
| Cash dividends to net income (ytd only)* | 37.1755% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,585 |
| Loan loss allowance to noncurrent loans | 159.7819% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8319% | 2,220 |
| Noncurrent loans to loans | 0.9573% | 2,125 |
| Net loans and leases to total assets | 73.6220% | 1,799 |
| Net loans and leases to deposits | 92.1502% | 1,314 |
| Net loans and leases to core deposits | 111.3164% | 808 |
| Total domestic deposits to total assets | 79.8935% | 4,639 |
| Equity capital to assets | 11.2549% | 2,382 |
| Core capital (leverage) ratio | 9.8158% | 3,738 |
| Tier 1 risk-based capital ratio | 11.5278% | 5,010 |
| Total risk-based capital ratio | 12.7794% | 4,915 |
| Memoranda: | ||
| Average total assets | $202,607,500 | 2,965 |
| Average earning assets | $188,659,000 | 2,957 |
| Average equity | $22,712,500 | 2,924 |
| Average total loans | $153,488,500 | 2,657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,150 |
| Cost of funding earning assets | 0.6802% | 907 |
| Net interest margin | 3.9786% | 1,699 |
| Noninterest income to average assets | 3.3154% | 175 |
| Noninterest expense to average assets | 5.3000% | 224 |
| Loan and lease loss provision to assets | 0.1366% | 1,829 |
| Net operating income to assets | 1.5849% | 705 |
| Return on assets (ROA) | 1.5995% | 707 |
| Pretax return on assets | 1.5995% | 1,281 |
| Return on Equity (ROE) | 14.4356% | 708 |
| Retained earnings to average equity (ytd only) | 3.5432% | 3,410 |
| Net charge-offs to loans | 0.0966% | 2,330 |
| Credit loss provision to net charge-offs | 195.6835% | 1,442 |
| Earnings coverage of net charge-offs (x) | 24.6691% | 1,626 |
| Efficiency ratio | 74.6675% | 2,187 |
| Assets per employee ($millions) | 3.2829% | 5,065 |
| Cash dividends to net income (ytd only)* | 75.4551% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,976 |
| Loan loss allowance to noncurrent loans | 164.5911% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 2,347 |
| Noncurrent loans to loans | 0.8671% | 2,366 |
| Net loans and leases to total assets | 75.6751% | 1,565 |
| Net loans and leases to deposits | 93.9522% | 1,199 |
| Net loans and leases to core deposits | 113.8444% | 705 |
| Total domestic deposits to total assets | 80.5464% | 4,440 |
| Equity capital to assets | 11.1642% | 2,463 |
| Core capital (leverage) ratio | 9.5852% | 3,985 |
| Tier 1 risk-based capital ratio | 11.0242% | 5,335 |
| Total risk-based capital ratio | 12.2744% | 5,222 |
| Memoranda: | ||
| Average total assets | $199,190,200 | 2,963 |
| Average earning assets | $185,540,800 | 2,947 |
| Average equity | $22,070,400 | 2,979 |
| Average total loans | $143,867,400 | 2,730 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,339 |
| Cost of funding earning assets | 0.6794% | 909 |
| Net interest margin | 3.8986% | 1,982 |
| Noninterest income to average assets | 3.2159% | 189 |
| Noninterest expense to average assets | 5.1402% | 242 |
| Loan and lease loss provision to assets | 0.0751% | 2,719 |
| Net operating income to assets | 1.6274% | 687 |
| Return on assets (ROA) | 1.6468% | 698 |
| Pretax return on assets | 1.6468% | 1,259 |
| Return on Equity (ROE) | 14.8914% | 676 |
| Retained earnings to average equity (ytd only) | 0.3212% | 5,267 |
| Net charge-offs to loans | 0.0189% | 3,335 |
| Credit loss provision to net charge-offs | 560.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 126.9809% | 544 |
| Efficiency ratio | 74.2776% | 2,229 |
| Assets per employee ($millions) | 3.3696% | 4,956 |
| Cash dividends to net income (ytd only)* | 97.8427% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3867% | 2,260 |
| Loan loss allowance to noncurrent loans | 120.4139% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9200% | 2,261 |
| Noncurrent loans to loans | 1.1516% | 1,949 |
| Net loans and leases to total assets | 75.7278% | 1,569 |
| Net loans and leases to deposits | 93.2651% | 1,344 |
| Net loans and leases to core deposits | 112.3171% | 792 |
| Total domestic deposits to total assets | 81.1963% | 4,198 |
| Equity capital to assets | 10.8741% | 3,165 |
| Core capital (leverage) ratio | 9.5399% | 4,134 |
| Tier 1 risk-based capital ratio | 11.1117% | 5,308 |
| Total risk-based capital ratio | 12.3627% | 5,219 |
| Memoranda: | ||
| Average total assets | $198,923,750 | 2,976 |
| Average earning assets | $185,053,250 | 2,973 |
| Average equity | $21,998,750 | 3,007 |
| Average total loans | $141,399,750 | 2,765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,354 |
| Cost of funding earning assets | 0.6699% | 938 |
| Net interest margin | 3.8902% | 2,016 |
| Noninterest income to average assets | 3.2764% | 182 |
| Noninterest expense to average assets | 5.0101% | 263 |
| Loan and lease loss provision to assets | 0.0617% | 2,899 |
| Net operating income to assets | 1.8328% | 452 |
| Return on assets (ROA) | 1.8641% | 446 |
| Pretax return on assets | 1.8641% | 754 |
| Return on Equity (ROE) | 16.7611% | 459 |
| Retained earnings to average equity (ytd only) | 0.0545% | 5,275 |
| Net charge-offs to loans | -0.0058% | 4,570 |
| Credit loss provision to net charge-offs | -1,525.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7277% | 2,709 |
| Assets per employee ($millions) | 3.3853% | 4,943 |
| Cash dividends to net income (ytd only)* | 99.6746% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,892 |
| Loan loss allowance to noncurrent loans | 107.3737% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 2,039 |
| Noncurrent loans to loans | 1.3898% | 1,610 |
| Net loans and leases to total assets | 72.7274% | 2,049 |
| Net loans and leases to deposits | 90.3983% | 1,706 |
| Net loans and leases to core deposits | 110.3669% | 915 |
| Total domestic deposits to total assets | 80.4522% | 4,428 |
| Equity capital to assets | 11.3856% | 2,660 |
| Core capital (leverage) ratio | 9.7574% | 3,861 |
| Tier 1 risk-based capital ratio | 11.4688% | 5,179 |
| Total risk-based capital ratio | 12.7199% | 5,063 |
| Memoranda: | ||
| Average total assets | $197,839,000 | 3,000 |
| Average earning assets | $184,513,000 | 2,993 |
| Average equity | $22,003,330 | 3,014 |
| Average total loans | $136,780,330 | 2,840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,210 |
| Cost of funding earning assets | 0.6746% | 918 |
| Net interest margin | 3.9470% | 1,795 |
| Noninterest income to average assets | 2.8520% | 212 |
| Noninterest expense to average assets | 4.7494% | 331 |
| Loan and lease loss provision to assets | 0.0619% | 2,706 |
| Net operating income to assets | 1.7216% | 547 |
| Return on assets (ROA) | 1.7216% | 581 |
| Pretax return on assets | 1.7216% | 1,015 |
| Return on Equity (ROE) | 15.6585% | 573 |
| Retained earnings to average equity (ytd only) | 2.8156% | 4,110 |
| Net charge-offs to loans | -0.0060% | 4,349 |
| Credit loss provision to net charge-offs | -1,550.0000% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8129% | 2,825 |
| Assets per employee ($millions) | 3.4530% | 4,880 |
| Cash dividends to net income (ytd only)* | 82.0186% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5649% | 1,733 |
| Loan loss allowance to noncurrent loans | 491.5493% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,623 |
| Noncurrent loans to loans | 0.3184% | 4,290 |
| Net loans and leases to total assets | 66.9221% | 2,822 |
| Net loans and leases to deposits | 82.9976% | 2,431 |
| Net loans and leases to core deposits | 99.6196% | 1,514 |
| Total domestic deposits to total assets | 80.6313% | 4,595 |
| Equity capital to assets | 11.2340% | 2,697 |
| Core capital (leverage) ratio | 9.5397% | 4,114 |
| Tier 1 risk-based capital ratio | 11.6807% | 5,116 |
| Total risk-based capital ratio | 12.9314% | 5,030 |
| Memoranda: | ||
| Average total assets | $200,277,000 | 2,986 |
| Average earning assets | $186,772,500 | 2,971 |
| Average equity | $22,020,000 | 3,026 |
| Average total loans | $133,939,000 | 2,875 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7460% | 1,018 |
| Cost of funding earning assets | 0.6666% | 980 |
| Net interest margin | 4.0794% | 1,463 |
| Noninterest income to average assets | 2.6392% | 249 |
| Noninterest expense to average assets | 4.9172% | 294 |
| Loan and lease loss provision to assets | 0.3113% | 536 |
| Net operating income to assets | 1.1675% | 1,679 |
| Return on assets (ROA) | 1.1675% | 1,750 |
| Pretax return on assets | 1.1675% | 2,781 |
| Return on Equity (ROE) | 10.9006% | 1,648 |
| Retained earnings to average equity (ytd only) | 2.7949% | 4,079 |
| Net charge-offs to loans | 0.0081% | 4,163 |
| Credit loss provision to net charge-offs | 5,209.0909% | 70 |
| Earnings coverage of net charge-offs (x) | 247.4545% | 284 |
| Efficiency ratio | 75.9110% | 2,288 |
| Assets per employee ($millions) | 3.7042% | 4,470 |
| Cash dividends to net income (ytd only)* | 74.3602% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5373% | 1,834 |
| Loan loss allowance to noncurrent loans | 484.9412% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 4,541 |
| Noncurrent loans to loans | 0.3170% | 4,326 |
| Net loans and leases to total assets | 64.7938% | 3,147 |
| Net loans and leases to deposits | 79.6540% | 2,862 |
| Net loans and leases to core deposits | 94.6259% | 1,983 |
| Total domestic deposits to total assets | 81.3440% | 4,388 |
| Equity capital to assets | 10.7637% | 3,059 |
| Core capital (leverage) ratio | 9.4871% | 4,189 |
| Tier 1 risk-based capital ratio | 11.7665% | 5,096 |
| Total risk-based capital ratio | 13.0172% | 5,011 |
| Memoranda: | ||
| Average total assets | $184,068,000 | 3,120 |
| Average earning assets | $169,511,800 | 3,134 |
| Average equity | $19,714,600 | 3,201 |
| Average total loans | $136,196,800 | 2,779 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 842 |
| Cost of funding earning assets | 0.6589% | 1,043 |
| Net interest margin | 4.1982% | 1,171 |
| Noninterest income to average assets | 2.9598% | 216 |
| Noninterest expense to average assets | 5.0496% | 275 |
| Loan and lease loss provision to assets | 0.4183% | 276 |
| Net operating income to assets | 1.3426% | 1,243 |
| Return on assets (ROA) | 1.3426% | 1,286 |
| Pretax return on assets | 1.3426% | 2,237 |
| Return on Equity (ROE) | 12.5529% | 1,230 |
| Retained earnings to average equity (ytd only) | 1.4334% | 5,144 |
| Net charge-offs to loans | 0.0127% | 3,731 |
| Credit loss provision to net charge-offs | 4,323.0769% | 96 |
| Earnings coverage of net charge-offs (x) | 182.0306% | 394 |
| Efficiency ratio | 73.2051% | 2,685 |
| Assets per employee ($millions) | 3.6637% | 4,499 |
| Cash dividends to net income (ytd only)* | 88.5809% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 2,396 |
| Loan loss allowance to noncurrent loans | 11,377.7778% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 5,421 |
| Noncurrent loans to loans | 0.0127% | 5,590 |
| Net loans and leases to total assets | 74.8500% | 1,576 |
| Net loans and leases to deposits | 93.7663% | 1,229 |
| Net loans and leases to core deposits | 104.8034% | 1,183 |
| Total domestic deposits to total assets | 79.8262% | 4,785 |
| Equity capital to assets | 11.5686% | 2,443 |
| Core capital (leverage) ratio | 10.2690% | 3,282 |
| Tier 1 risk-based capital ratio | 11.0489% | 5,635 |
| Total risk-based capital ratio | 12.2987% | 5,529 |
| Memoranda: | ||
| Average total assets | $179,152,250 | 3,204 |
| Average earning assets | $164,319,500 | 3,227 |
| Average equity | $19,161,000 | 3,284 |
| Average total loans | $136,729,500 | 2,787 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 841 |
| Cost of funding earning assets | 0.6639% | 1,031 |
| Net interest margin | 4.1667% | 1,183 |
| Noninterest income to average assets | 2.9221% | 224 |
| Noninterest expense to average assets | 5.0219% | 287 |
| Loan and lease loss provision to assets | 0.5923% | 155 |
| Net operating income to assets | 1.1394% | 1,808 |
| Return on assets (ROA) | 1.1394% | 1,886 |
| Pretax return on assets | 1.1394% | 3,011 |
| Return on Equity (ROE) | 10.9690% | 1,689 |
| Retained earnings to average equity (ytd only) | -1.4829% | 5,769 |
| Net charge-offs to loans | -0.0044% | 4,709 |
| Credit loss provision to net charge-offs | -17,433.3333% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4026% | 2,763 |
| Assets per employee ($millions) | 3.3291% | 5,110 |
| Cash dividends to net income (ytd only)* | 113.5189% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 2,534 |
| Loan loss allowance to noncurrent loans | 2,773.9726% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 5,171 |
| Noncurrent loans to loans | 0.0521% | 5,535 |
| Net loans and leases to total assets | 78.2449% | 1,040 |
| Net loans and leases to deposits | 97.4552% | 841 |
| Net loans and leases to core deposits | 109.8568% | 842 |
| Total domestic deposits to total assets | 80.2880% | 4,800 |
| Equity capital to assets | 10.3383% | 3,637 |
| Core capital (leverage) ratio | 8.5538% | 5,484 |
| Tier 1 risk-based capital ratio | 9.4868% | 6,206 |
| Total risk-based capital ratio | 10.7377% | 6,185 |
| Memoranda: | ||
| Average total assets | $176,586,000 | 3,260 |
| Average earning assets | $162,382,000 | 3,266 |
| Average equity | $18,342,670 | 3,378 |
| Average total loans | $135,004,000 | 2,827 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 1,135 |
| Cost of funding earning assets | 0.6389% | 1,185 |
| Net interest margin | 4.0054% | 1,533 |
| Noninterest income to average assets | 2.7103% | 244 |
| Noninterest expense to average assets | 4.9632% | 301 |
| Loan and lease loss provision to assets | 1.0076% | 80 |
| Net operating income to assets | 0.4302% | 4,944 |
| Return on assets (ROA) | 0.4302% | 5,068 |
| Pretax return on assets | 0.4302% | 5,364 |
| Return on Equity (ROE) | 4.1319% | 4,926 |
| Retained earnings to average equity (ytd only) | -2.3921% | 5,731 |
| Net charge-offs to loans | -0.0030% | 4,395 |
| Credit loss provision to net charge-offs | -44,500.0000% | 5,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5122% | 2,422 |
| Assets per employee ($millions) | 3.4277% | 5,035 |
| Cash dividends to net income (ytd only)* | 157.8947% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4466% | 2,696 |
| Loan loss allowance to noncurrent loans | 1,271.2418% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,049 |
| Noncurrent loans to loans | 0.1138% | 5,355 |
| Net loans and leases to total assets | 75.7994% | 1,240 |
| Net loans and leases to deposits | 93.9054% | 991 |
| Net loans and leases to core deposits | 105.9013% | 944 |
| Total domestic deposits to total assets | 80.7189% | 4,881 |
| Equity capital to assets | 10.4974% | 3,538 |
| Core capital (leverage) ratio | 8.5769% | 5,450 |
| Tier 1 risk-based capital ratio | 9.7082% | 6,232 |
| Total risk-based capital ratio | 10.9644% | 6,199 |
| Memoranda: | ||
| Average total assets | $176,658,500 | 3,283 |
| Average earning assets | $162,780,000 | 3,283 |
| Average equity | $18,393,500 | 3,395 |
| Average total loans | $132,465,500 | 2,872 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,280 |
| Cost of funding earning assets | 0.5980% | 1,772 |
| Net interest margin | 4.1126% | 1,539 |
| Noninterest income to average assets | 3.1020% | 185 |
| Noninterest expense to average assets | 5.3605% | 247 |
| Loan and lease loss provision to assets | 0.0877% | 2,717 |
| Net operating income to assets | 1.4292% | 1,022 |
| Return on assets (ROA) | 1.4292% | 1,052 |
| Pretax return on assets | 1.4292% | 1,784 |
| Return on Equity (ROE) | 13.7739% | 974 |
| Retained earnings to average equity (ytd only) | 6.4377% | 1,688 |
| Net charge-offs to loans | 0.0660% | 3,538 |
| Credit loss provision to net charge-offs | 195.8904% | 1,260 |
| Earnings coverage of net charge-offs (x) | 33.8767% | 1,222 |
| Efficiency ratio | 76.9265% | 2,359 |
| Assets per employee ($millions) | 3.5001% | 4,898 |
| Cash dividends to net income (ytd only)* | 53.2618% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,501 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.2559% | 1,865 |
| Net loans and leases to deposits | 89.1558% | 1,599 |
| Net loans and leases to core deposits | 99.9899% | 1,395 |
| Total domestic deposits to total assets | 81.0446% | 4,732 |
| Equity capital to assets | 10.3281% | 3,690 |
| Core capital (leverage) ratio | 8.6172% | 5,428 |
| Tier 1 risk-based capital ratio | 9.4682% | 6,357 |
| Total risk-based capital ratio | 10.4411% | 6,374 |
| Memoranda: | ||
| Average total assets | $163,024,800 | 3,446 |
| Average earning assets | $149,660,200 | 3,446 |
| Average equity | $16,916,000 | 3,538 |
| Average total loans | $110,608,200 | 3,205 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 1,460 |
| Cost of funding earning assets | 0.5881% | 1,944 |
| Net interest margin | 4.0524% | 1,713 |
| Noninterest income to average assets | 3.0963% | 185 |
| Noninterest expense to average assets | 5.3707% | 246 |
| Loan and lease loss provision to assets | 0.0436% | 3,527 |
| Net operating income to assets | 1.3940% | 1,141 |
| Return on assets (ROA) | 1.3940% | 1,186 |
| Pretax return on assets | 1.3940% | 2,035 |
| Return on Equity (ROE) | 13.4168% | 1,114 |
| Retained earnings to average equity (ytd only) | 3.4107% | 4,194 |
| Net charge-offs to loans | 0.0896% | 2,932 |
| Credit loss provision to net charge-offs | 73.2394% | 2,707 |
| Earnings coverage of net charge-offs (x) | 24.1701% | 1,557 |
| Efficiency ratio | 77.8270% | 2,207 |
| Assets per employee ($millions) | 3.0722% | 5,642 |
| Cash dividends to net income (ytd only)* | 74.5796% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 4,414 |
| Loan loss allowance to noncurrent loans | 47,000.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 5,560 |
| Noncurrent loans to loans | 0.0025% | 6,042 |
| Net loans and leases to total assets | 70.8213% | 2,053 |
| Net loans and leases to deposits | 88.3555% | 1,625 |
| Net loans and leases to core deposits | 98.8093% | 1,463 |
| Total domestic deposits to total assets | 80.1549% | 5,065 |
| Equity capital to assets | 10.5055% | 3,550 |
| Core capital (leverage) ratio | 8.6087% | 5,545 |
| Tier 1 risk-based capital ratio | 9.5050% | 6,435 |
| Total risk-based capital ratio | 10.4698% | 6,452 |
| Memoranda: | ||
| Average total assets | $159,155,250 | 3,530 |
| Average earning assets | $145,785,500 | 3,548 |
| Average equity | $16,536,000 | 3,614 |
| Average total loans | $105,640,750 | 3,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 2,122 |
| Cost of funding earning assets | 0.5788% | 2,081 |
| Net interest margin | 3.8375% | 2,427 |
| Noninterest income to average assets | 3.2627% | 174 |
| Noninterest expense to average assets | 5.2719% | 264 |
| Loan and lease loss provision to assets | 0.0090% | 4,054 |
| Net operating income to assets | 1.4947% | 879 |
| Return on assets (ROA) | 1.4947% | 910 |
| Pretax return on assets | 1.4947% | 1,548 |
| Return on Equity (ROE) | 14.4442% | 883 |
| Retained earnings to average equity (ytd only) | 1.6986% | 5,057 |
| Net charge-offs to loans | -0.0139% | 5,421 |
| Credit loss provision to net charge-offs | -100.0000% | 5,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7279% | 2,500 |
| Assets per employee ($millions) | 3.1185% | 5,568 |
| Cash dividends to net income (ytd only)* | 88.2403% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 3,860 |
| Loan loss allowance to noncurrent loans | 279.1103% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 4,785 |
| Noncurrent loans to loans | 0.4649% | 4,604 |
| Net loans and leases to total assets | 66.4049% | 2,694 |
| Net loans and leases to deposits | 79.7587% | 2,547 |
| Net loans and leases to core deposits | 89.7440% | 2,151 |
| Total domestic deposits to total assets | 83.2572% | 4,207 |
| Equity capital to assets | 10.5274% | 3,411 |
| Core capital (leverage) ratio | 8.7731% | 5,299 |
| Tier 1 risk-based capital ratio | 10.1017% | 6,367 |
| Total risk-based capital ratio | 11.1753% | 6,381 |
| Memoranda: | ||
| Average total assets | $155,884,000 | 3,596 |
| Average earning assets | $142,698,000 | 3,609 |
| Average equity | $16,131,000 | 3,671 |
| Average total loans | $100,495,670 | 3,448 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 3,038 |
| Cost of funding earning assets | 0.5657% | 2,285 |
| Net interest margin | 3.5926% | 3,275 |
| Noninterest income to average assets | 3.0347% | 181 |
| Noninterest expense to average assets | 5.4000% | 253 |
| Loan and lease loss provision to assets | 0.0185% | 3,590 |
| Net operating income to assets | 0.9260% | 2,521 |
| Return on assets (ROA) | 0.9260% | 2,594 |
| Pretax return on assets | 0.9260% | 3,603 |
| Return on Equity (ROE) | 9.0343% | 2,447 |
| Retained earnings to average equity (ytd only) | -6.4531% | 6,203 |
| Net charge-offs to loans | -0.0210% | 5,380 |
| Credit loss provision to net charge-offs | -140.0000% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9033% | 1,685 |
| Assets per employee ($millions) | 3.0487% | 5,778 |
| Cash dividends to net income (ytd only)* | 171.4286% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 3,334 |
| Loan loss allowance to noncurrent loans | 36,025.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 5,935 |
| Noncurrent loans to loans | 0.0041% | 6,180 |
| Net loans and leases to total assets | 62.5815% | 3,144 |
| Net loans and leases to deposits | 75.1328% | 2,927 |
| Net loans and leases to core deposits | 84.5863% | 2,453 |
| Total domestic deposits to total assets | 83.2945% | 4,500 |
| Equity capital to assets | 10.8656% | 2,858 |
| Core capital (leverage) ratio | 9.0360% | 4,959 |
| Tier 1 risk-based capital ratio | 10.9797% | 6,165 |
| Total risk-based capital ratio | 12.1813% | 6,137 |
| Memoranda: | ||
| Average total assets | $151,184,500 | 3,687 |
| Average earning assets | $139,285,500 | 3,680 |
| Average equity | $15,496,500 | 3,781 |
| Average total loans | $95,144,000 | 3,578 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 2,241 |
| Cost of funding earning assets | 0.5230% | 3,370 |
| Net interest margin | 3.9691% | 2,039 |
| Noninterest income to average assets | 3.6360% | 180 |
| Noninterest expense to average assets | 5.4777% | 248 |
| Loan and lease loss provision to assets | 0.0685% | 3,764 |
| Net operating income to assets | 1.7711% | 509 |
| Return on assets (ROA) | 1.8086% | 486 |
| Pretax return on assets | 1.8086% | 744 |
| Return on Equity (ROE) | 18.5591% | 372 |
| Retained earnings to average equity (ytd only) | 7.6041% | 1,193 |
| Net charge-offs to loans | 0.0088% | 5,277 |
| Credit loss provision to net charge-offs | 1,187.5000% | 214 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 141 |
| Efficiency ratio | 73.7366% | 3,175 |
| Assets per employee ($millions) | 2.9377% | 5,927 |
| Cash dividends to net income (ytd only)* | 59.0275% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1219% | 5,960 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 61.3499% | 3,475 |
| Net loans and leases to deposits | 72.8567% | 3,413 |
| Net loans and leases to core deposits | 82.7753% | 2,800 |
| Total domestic deposits to total assets | 84.2062% | 4,093 |
| Equity capital to assets | 9.5985% | 4,291 |
| Core capital (leverage) ratio | 9.4482% | 4,341 |
| Tier 1 risk-based capital ratio | 10.9340% | 6,199 |
| Total risk-based capital ratio | 12.1008% | 6,192 |
| Memoranda: | ||
| Average total assets | $138,725,200 | 3,906 |
| Average earning assets | $128,669,600 | 3,873 |
| Average equity | $13,519,000 | 4,163 |
| Average total loans | $90,467,000 | 3,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4870% | 2,279 |
| Cost of funding earning assets | 0.5166% | 3,603 |
| Net interest margin | 3.9704% | 2,043 |
| Noninterest income to average assets | 3.7614% | 186 |
| Noninterest expense to average assets | 5.6274% | 235 |
| Loan and lease loss provision to assets | 0.0527% | 3,975 |
| Net operating income to assets | 1.7548% | 576 |
| Return on assets (ROA) | 1.8182% | 521 |
| Pretax return on assets | 1.8182% | 862 |
| Return on Equity (ROE) | 18.5828% | 401 |
| Retained earnings to average equity (ytd only) | 3.8182% | 3,970 |
| Net charge-offs to loans | -0.0059% | 5,803 |
| Credit loss provision to net charge-offs | -1,350.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5605% | 2,974 |
| Assets per employee ($millions) | 2.6886% | 6,286 |
| Cash dividends to net income (ytd only)* | 79.4529% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 3,502 |
| Loan loss allowance to noncurrent loans | 1,196.5812% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 5,787 |
| Noncurrent loans to loans | 0.1245% | 5,952 |
| Net loans and leases to total assets | 68.8591% | 2,162 |
| Net loans and leases to deposits | 81.2834% | 2,231 |
| Net loans and leases to core deposits | 89.1775% | 2,054 |
| Total domestic deposits to total assets | 84.7148% | 3,873 |
| Equity capital to assets | 10.0498% | 3,829 |
| Core capital (leverage) ratio | 9.4719% | 4,449 |
| Tier 1 risk-based capital ratio | 10.9297% | 6,311 |
| Total risk-based capital ratio | 12.1322% | 6,298 |
| Memoranda: | ||
| Average total assets | $136,684,750 | 3,982 |
| Average earning assets | $126,465,750 | 3,950 |
| Average equity | $13,374,000 | 4,235 |
| Average total loans | $90,197,750 | 3,709 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 2,938 |
| Cost of funding earning assets | 0.5179% | 3,724 |
| Net interest margin | 3.7859% | 2,608 |
| Noninterest income to average assets | 3.8316% | 192 |
| Noninterest expense to average assets | 5.5590% | 254 |
| Loan and lease loss provision to assets | 0.0204% | 4,490 |
| Net operating income to assets | 1.7521% | 570 |
| Return on assets (ROA) | 1.8467% | 503 |
| Pretax return on assets | 1.8467% | 827 |
| Return on Equity (ROE) | 19.0417% | 379 |
| Retained earnings to average equity (ytd only) | 1.3205% | 5,362 |
| Net charge-offs to loans | -0.0022% | 5,539 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6923% | 2,993 |
| Assets per employee ($millions) | 2.6646% | 6,335 |
| Cash dividends to net income (ytd only)* | 93.0654% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,313 |
| Loan loss allowance to noncurrent loans | 619.6347% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 5,618 |
| Noncurrent loans to loans | 0.2517% | 5,680 |
| Net loans and leases to total assets | 61.8092% | 3,328 |
| Net loans and leases to deposits | 68.7063% | 3,906 |
| Net loans and leases to core deposits | 75.5438% | 3,602 |
| Total domestic deposits to total assets | 89.9615% | 1,048 |
| Equity capital to assets | 9.6105% | 4,439 |
| Core capital (leverage) ratio | 9.5694% | 4,127 |
| Tier 1 risk-based capital ratio | 11.5956% | 6,059 |
| Total risk-based capital ratio | 12.8452% | 6,014 |
| Memoranda: | ||
| Average total assets | $137,436,000 | 3,993 |
| Average earning assets | $127,050,000 | 3,966 |
| Average equity | $13,328,670 | 4,276 |
| Average total loans | $88,941,000 | 3,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2774% | 2,997 |
| Cost of funding earning assets | 0.5453% | 3,618 |
| Net interest margin | 3.7321% | 2,727 |
| Noninterest income to average assets | 4.1556% | 182 |
| Noninterest expense to average assets | 5.7191% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.8966% | 412 |
| Return on assets (ROA) | 1.9054% | 436 |
| Pretax return on assets | 1.9054% | 724 |
| Return on Equity (ROE) | 19.5576% | 323 |
| Retained earnings to average equity (ytd only) | -0.0600% | 5,786 |
| Net charge-offs to loans | -0.0089% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9831% | 3,267 |
| Assets per employee ($millions) | 2.6921% | 6,412 |
| Cash dividends to net income (ytd only)* | 100.3067% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1304% | 6,179 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.4695% | 2,620 |
| Net loans and leases to deposits | 71.6955% | 3,224 |
| Net loans and leases to core deposits | 76.0388% | 3,321 |
| Total domestic deposits to total assets | 89.9213% | 1,096 |
| Equity capital to assets | 9.7255% | 4,524 |
| Core capital (leverage) ratio | 9.1198% | 4,690 |
| Tier 1 risk-based capital ratio | 10.7687% | 6,500 |
| Total risk-based capital ratio | 11.9461% | 6,486 |
| Memoranda: | ||
| Average total assets | $136,875,500 | 4,043 |
| Average earning assets | $126,899,000 | 4,004 |
| Average equity | $13,335,000 | 4,322 |
| Average total loans | $89,912,500 | 3,752 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 2,070 |
| Cost of funding earning assets | 0.6198% | 4,178 |
| Net interest margin | 4.2177% | 1,609 |
| Noninterest income to average assets | 3.2563% | 228 |
| Noninterest expense to average assets | 5.4126% | 284 |
| Loan and lease loss provision to assets | 0.2018% | 3,122 |
| Net operating income to assets | 1.5357% | 853 |
| Return on assets (ROA) | 1.5398% | 931 |
| Pretax return on assets | 1.5398% | 1,559 |
| Return on Equity (ROE) | 15.9508% | 671 |
| Retained earnings to average equity (ytd only) | 15.9508% | 126 |
| Net charge-offs to loans | -0.0114% | 6,481 |
| Credit loss provision to net charge-offs | -2,777.7778% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4131% | 3,004 |
| Assets per employee ($millions) | 2.7290% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,785 |
| Loan loss allowance to noncurrent loans | 13,420.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.1473% | 6,195 |
| Noncurrent loans to loans | 0.0111% | 6,529 |
| Net loans and leases to total assets | 64.9481% | 2,732 |
| Net loans and leases to deposits | 72.3311% | 3,356 |
| Net loans and leases to core deposits | 77.7170% | 3,299 |
| Total domestic deposits to total assets | 89.7927% | 1,071 |
| Equity capital to assets | 9.7595% | 4,515 |
| Core capital (leverage) ratio | 9.0678% | 4,788 |
| Tier 1 risk-based capital ratio | 10.6888% | 6,482 |
| Total risk-based capital ratio | 11.8573% | 6,478 |
| Memoranda: | ||
| Average total assets | $123,915,200 | 4,272 |
| Average earning assets | $114,400,000 | 4,239 |
| Average equity | $11,961,800 | 4,574 |
| Average total loans | $79,293,400 | 4,058 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,837 |
| Cost of funding earning assets | 0.6287% | 4,379 |
| Net interest margin | 4.3205% | 1,417 |
| Noninterest income to average assets | 2.8160% | 269 |
| Noninterest expense to average assets | 5.4599% | 274 |
| Loan and lease loss provision to assets | 0.1932% | 3,170 |
| Net operating income to assets | 1.1459% | 1,923 |
| Return on assets (ROA) | 1.1514% | 2,096 |
| Pretax return on assets | 1.1514% | 3,153 |
| Return on Equity (ROE) | 11.9645% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.9645% | 537 |
| Net charge-offs to loans | -0.0122% | 6,401 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9089% | 2,247 |
| Assets per employee ($millions) | 2.9528% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 4,285 |
| Loan loss allowance to noncurrent loans | 12,650.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,039 |
| Noncurrent loans to loans | 0.0112% | 6,632 |
| Net loans and leases to total assets | 63.2460% | 3,167 |
| Net loans and leases to deposits | 69.8271% | 3,915 |
| Net loans and leases to core deposits | 74.8797% | 3,865 |
| Total domestic deposits to total assets | 90.5751% | 570 |
| Equity capital to assets | 9.0437% | 5,785 |
| Core capital (leverage) ratio | 8.7525% | 5,397 |
| Tier 1 risk-based capital ratio | 10.0402% | 6,791 |
| Total risk-based capital ratio | 11.1554% | 6,800 |
| Memoranda: | ||
| Average total assets | $120,781,000 | 4,383 |
| Average earning assets | $111,342,250 | 4,354 |
| Average equity | $11,623,000 | 4,688 |
| Average total loans | $76,625,500 | 4,182 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 2,106 |
| Cost of funding earning assets | 0.6526% | 4,420 |
| Net interest margin | 4.2478% | 1,612 |
| Noninterest income to average assets | 2.3802% | 315 |
| Noninterest expense to average assets | 5.4312% | 288 |
| Loan and lease loss provision to assets | 0.1742% | 3,363 |
| Net operating income to assets | 0.6761% | 3,993 |
| Return on assets (ROA) | 0.6726% | 4,267 |
| Pretax return on assets | 0.6726% | 4,903 |
| Return on Equity (ROE) | 6.8236% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.8236% | 2,204 |
| Net charge-offs to loans | -0.0193% | 6,422 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8821% | 1,548 |
| Assets per employee ($millions) | 2.5738% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 4,352 |
| Loan loss allowance to noncurrent loans | 929.6875% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 5,636 |
| Noncurrent loans to loans | 0.1536% | 6,277 |
| Net loans and leases to total assets | 69.3631% | 2,038 |
| Net loans and leases to deposits | 77.3624% | 2,776 |
| Net loans and leases to core deposits | 82.7549% | 2,862 |
| Total domestic deposits to total assets | 89.6599% | 1,124 |
| Equity capital to assets | 9.9769% | 4,367 |
| Core capital (leverage) ratio | 9.4418% | 4,226 |
| Tier 1 risk-based capital ratio | 10.7581% | 6,595 |
| Total risk-based capital ratio | 11.9544% | 6,600 |
| Memoranda: | ||
| Average total assets | $114,780,670 | 4,539 |
| Average earning assets | $105,419,330 | 4,520 |
| Average equity | $11,313,670 | 4,750 |
| Average total loans | $72,487,670 | 4,330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 2,381 |
| Cost of funding earning assets | 0.6799% | 4,464 |
| Net interest margin | 4.1839% | 1,800 |
| Noninterest income to average assets | 2.2802% | 337 |
| Noninterest expense to average assets | 5.3570% | 290 |
| Loan and lease loss provision to assets | 0.0885% | 4,258 |
| Net operating income to assets | 0.6692% | 4,033 |
| Return on assets (ROA) | 0.6621% | 4,281 |
| Pretax return on assets | 0.6621% | 4,905 |
| Return on Equity (ROE) | 6.7604% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.7604% | 2,547 |
| Net charge-offs to loans | -0.0298% | 6,338 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9294% | 1,491 |
| Assets per employee ($millions) | 2.3619% | 6,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 3,490 |
| Loan loss allowance to noncurrent loans | 72.2258% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.7936% | 3,182 |
| Noncurrent loans to loans | 2.3024% | 2,807 |
| Net loans and leases to total assets | 59.2918% | 3,807 |
| Net loans and leases to deposits | 66.4050% | 4,317 |
| Net loans and leases to core deposits | 71.3799% | 4,241 |
| Total domestic deposits to total assets | 89.2881% | 1,489 |
| Equity capital to assets | 10.3885% | 3,626 |
| Core capital (leverage) ratio | 9.5210% | 4,024 |
| Tier 1 risk-based capital ratio | 11.5803% | 6,234 |
| Total risk-based capital ratio | 12.8113% | 6,220 |
| Memoranda: | ||
| Average total assets | $112,974,500 | 4,620 |
| Average earning assets | $103,540,500 | 4,617 |
| Average equity | $11,064,500 | 4,812 |
| Average total loans | $67,076,000 | 4,547 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5194% | 1,121 |
| Cost of funding earning assets | 0.5912% | 6,126 |
| Net interest margin | 4.9282% | 479 |
| Noninterest income to average assets | 2.9080% | 218 |
| Noninterest expense to average assets | 5.9858% | 209 |
| Loan and lease loss provision to assets | 0.7129% | 1,434 |
| Net operating income to assets | 0.6459% | 3,758 |
| Return on assets (ROA) | 0.6480% | 3,942 |
| Pretax return on assets | 0.6480% | 4,518 |
| Return on Equity (ROE) | 6.5902% | 3,596 |
| Retained earnings to average equity (ytd only) | 6.5902% | 1,702 |
| Net charge-offs to loans | -0.0632% | 7,082 |
| Credit loss provision to net charge-offs | -1,734.2105% | 6,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8056% | 2,325 |
| Assets per employee ($millions) | 2.2538% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 3,543 |
| Loan loss allowance to noncurrent loans | 130.7971% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 4,381 |
| Noncurrent loans to loans | 1.2318% | 4,307 |
| Net loans and leases to total assets | 57.5403% | 4,454 |
| Net loans and leases to deposits | 63.6181% | 5,057 |
| Net loans and leases to core deposits | 69.2204% | 4,878 |
| Total domestic deposits to total assets | 90.4465% | 746 |
| Equity capital to assets | 9.2194% | 5,261 |
| Core capital (leverage) ratio | 9.0334% | 4,722 |
| Tier 1 risk-based capital ratio | 10.8963% | 6,508 |
| Total risk-based capital ratio | 12.1375% | 6,490 |
| Memoranda: | ||
| Average total assets | $92,434,800 | 5,116 |
| Average earning assets | $83,215,800 | 5,133 |
| Average equity | $9,089,200 | 5,258 |
| Average total loans | $60,088,200 | 4,864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8278% | 661 |
| Cost of funding earning assets | 0.5487% | 6,518 |
| Net interest margin | 5.2791% | 251 |
| Noninterest income to average assets | 2.4298% | 275 |
| Noninterest expense to average assets | 5.8964% | 212 |
| Loan and lease loss provision to assets | 0.7403% | 1,292 |
| Net operating income to assets | 0.5222% | 4,445 |
| Return on assets (ROA) | 0.5222% | 4,630 |
| Pretax return on assets | 0.5222% | 5,073 |
| Return on Equity (ROE) | 5.2032% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.2032% | 3,057 |
| Net charge-offs to loans | -0.1098% | 7,184 |
| Credit loss provision to net charge-offs | -1,004.1667% | 6,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5407% | 2,179 |
| Assets per employee ($millions) | 2.1511% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 4,823 |
| Loan loss allowance to noncurrent loans | 106.0185% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 4,634 |
| Noncurrent loans to loans | 1.2624% | 4,426 |
| Net loans and leases to total assets | 65.3973% | 3,032 |
| Net loans and leases to deposits | 72.5503% | 3,881 |
| Net loans and leases to core deposits | 80.7221% | 3,527 |
| Total domestic deposits to total assets | 90.1406% | 795 |
| Equity capital to assets | 9.5514% | 5,008 |
| Core capital (leverage) ratio | 9.6014% | 3,987 |
| Tier 1 risk-based capital ratio | 11.2618% | 6,396 |
| Total risk-based capital ratio | 12.4345% | 6,426 |
| Memoranda: | ||
| Average total assets | $86,808,000 | 5,304 |
| Average earning assets | $77,763,250 | 5,336 |
| Average equity | $8,712,250 | 5,384 |
| Average total loans | $58,305,000 | 4,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 551 |
| Cost of funding earning assets | 0.5554% | 6,642 |
| Net interest margin | 5.3686% | 219 |
| Noninterest income to average assets | 2.4027% | 285 |
| Noninterest expense to average assets | 5.8161% | 216 |
| Loan and lease loss provision to assets | 0.7624% | 1,220 |
| Net operating income to assets | 0.6025% | 4,054 |
| Return on assets (ROA) | 0.6025% | 4,192 |
| Pretax return on assets | 0.6025% | 4,732 |
| Return on Equity (ROE) | 5.8831% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.8831% | 2,500 |
| Net charge-offs to loans | -0.0146% | 6,762 |
| Credit loss provision to net charge-offs | -7,750.0000% | 6,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0411% | 2,552 |
| Assets per employee ($millions) | 1.7942% | 7,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 5,748 |
| Loan loss allowance to noncurrent loans | 428.8344% | 754 |
| Noncurrent assets plus other real estate owned to assets | 1.8535% | 3,433 |
| Noncurrent loans to loans | 0.2690% | 6,387 |
| Net loans and leases to total assets | 71.0220% | 2,000 |
| Net loans and leases to deposits | 79.9493% | 2,812 |
| Net loans and leases to core deposits | 88.2917% | 2,602 |
| Total domestic deposits to total assets | 88.8338% | 1,645 |
| Equity capital to assets | 10.9124% | 3,046 |
| Core capital (leverage) ratio | 10.2056% | 3,026 |
| Tier 1 risk-based capital ratio | 12.9818% | 4,928 |
| Total risk-based capital ratio | 14.0920% | 5,031 |
| Memoranda: | ||
| Average total assets | $81,326,670 | 5,510 |
| Average earning assets | $72,383,670 | 5,543 |
| Average equity | $8,329,000 | 5,508 |
| Average total loans | $54,926,670 | 5,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 993 |
| Cost of funding earning assets | 0.5621% | 6,760 |
| Net interest margin | 5.0755% | 324 |
| Noninterest income to average assets | 2.3401% | 296 |
| Noninterest expense to average assets | 5.1812% | 314 |
| Loan and lease loss provision to assets | 0.6715% | 1,270 |
| Net operating income to assets | 1.0122% | 2,149 |
| Return on assets (ROA) | 1.0122% | 2,197 |
| Pretax return on assets | 1.0122% | 3,088 |
| Return on Equity (ROE) | 10.2376% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.2376% | 1,069 |
| Net charge-offs to loans | -0.0230% | 6,620 |
| Credit loss provision to net charge-offs | -4,466.6667% | 6,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4307% | 3,617 |
| Assets per employee ($millions) | 2.3229% | 7,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 6,368 |
| Loan loss allowance to noncurrent loans | 189.1304% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 2.1094% | 3,177 |
| Noncurrent loans to loans | 0.5326% | 5,964 |
| Net loans and leases to total assets | 64.9578% | 3,246 |
| Net loans and leases to deposits | 72.4864% | 3,987 |
| Net loans and leases to core deposits | 78.3970% | 3,968 |
| Total domestic deposits to total assets | 89.6137% | 1,418 |
| Equity capital to assets | 10.1457% | 3,598 |
| Core capital (leverage) ratio | 9.0671% | 4,499 |
| Tier 1 risk-based capital ratio | 12.6427% | 5,121 |
| Total risk-based capital ratio | 13.5720% | 5,415 |
| Memoranda: | ||
| Average total assets | $79,827,000 | 5,593 |
| Average earning assets | $71,165,500 | 5,626 |
| Average equity | $7,892,500 | 5,647 |
| Average total loans | $52,095,500 | 5,326 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9796% | 879 |
| Cost of funding earning assets | 0.7127% | 6,846 |
| Net interest margin | 5.2669% | 254 |
| Noninterest income to average assets | 0.7368% | 2,614 |
| Noninterest expense to average assets | 5.2042% | 365 |
| Loan and lease loss provision to assets | 0.7088% | 2,316 |
| Net operating income to assets | -0.4674% | 6,363 |
| Return on assets (ROA) | -0.2737% | 6,236 |
| Pretax return on assets | -0.2737% | 6,142 |
| Return on Equity (ROE) | -2.4525% | 6,227 |
| Retained earnings to average equity (ytd only) | -2.4525% | 6,043 |
| Net charge-offs to loans | 0.2680% | 4,689 |
| Credit loss provision to net charge-offs | 420.8333% | 564 |
| Earnings coverage of net charge-offs (x) | 1.4333% | 4,685 |
| Efficiency ratio | 92.6289% | 1,137 |
| Assets per employee ($millions) | 2.4447% | 7,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7371% | 7,073 |
| Loan loss allowance to noncurrent loans | 124.5161% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8320% | 3,588 |
| Noncurrent loans to loans | 0.5920% | 5,860 |
| Net loans and leases to total assets | 64.4314% | 3,777 |
| Net loans and leases to deposits | 71.9377% | 4,531 |
| Net loans and leases to core deposits | 77.1308% | 4,576 |
| Total domestic deposits to total assets | 89.5655% | 1,348 |
| Equity capital to assets | 9.6337% | 4,229 |
| Core capital (leverage) ratio | 9.2775% | 4,048 |
| Tier 1 risk-based capital ratio | 12.5879% | 4,946 |
| Total risk-based capital ratio | 13.2951% | 5,415 |
| Memoranda: | ||
| Average total assets | $71,249,600 | 5,852 |
| Average earning assets | $63,699,800 | 5,867 |
| Average equity | $7,951,200 | 5,730 |
| Average total loans | $44,781,000 | 5,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0066% | 920 |
| Cost of funding earning assets | 0.7587% | 6,890 |
| Net interest margin | 5.2480% | 267 |
| Noninterest income to average assets | 0.7702% | 2,386 |
| Noninterest expense to average assets | 5.2544% | 312 |
| Loan and lease loss provision to assets | 0.6599% | 2,316 |
| Net operating income to assets | -0.4587% | 6,564 |
| Return on assets (ROA) | -0.4587% | 6,606 |
| Pretax return on assets | -0.4587% | 6,518 |
| Return on Equity (ROE) | -3.9519% | 6,569 |
| Retained earnings to average equity (ytd only) | -3.9519% | 6,460 |
| Net charge-offs to loans | 0.2145% | 4,654 |
| Credit loss provision to net charge-offs | 494.2029% | 596 |
| Earnings coverage of net charge-offs (x) | 1.5072% | 4,599 |
| Efficiency ratio | 93.2600% | 1,038 |
| Assets per employee ($millions) | 2.1519% | 7,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5568% | 7,406 |
| Loan loss allowance to noncurrent loans | 33.1303% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 4,870 |
| Noncurrent loans to loans | 1.6807% | 4,121 |
| Net loans and leases to total assets | 66.3942% | 3,596 |
| Net loans and leases to deposits | 75.1028% | 4,332 |
| Net loans and leases to core deposits | 83.6701% | 3,999 |
| Total domestic deposits to total assets | 88.4045% | 1,726 |
| Equity capital to assets | 10.9750% | 2,987 |
| Core capital (leverage) ratio | 9.5158% | 3,880 |
| Tier 1 risk-based capital ratio | 13.7724% | 4,000 |
| Total risk-based capital ratio | 14.3233% | 4,499 |
| Memoranda: | ||
| Average total assets | $68,893,250 | 5,975 |
| Average earning assets | $61,508,000 | 6,005 |
| Average equity | $7,996,000 | 5,792 |
| Average total loans | $42,884,750 | 5,879 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8229% | 1,369 |
| Cost of funding earning assets | 0.8043% | 6,903 |
| Net interest margin | 5.0186% | 405 |
| Noninterest income to average assets | 0.5365% | 3,821 |
| Noninterest expense to average assets | 5.3832% | 290 |
| Loan and lease loss provision to assets | 0.6136% | 2,338 |
| Net operating income to assets | -0.9842% | 6,936 |
| Return on assets (ROA) | -0.9842% | 6,959 |
| Pretax return on assets | -0.9842% | 6,884 |
| Return on Equity (ROE) | -8.3159% | 6,907 |
| Retained earnings to average equity (ytd only) | -8.3159% | 6,835 |
| Net charge-offs to loans | 0.3423% | 3,632 |
| Credit loss provision to net charge-offs | 295.7143% | 1,257 |
| Earnings coverage of net charge-offs (x) | -1.7857% | 6,195 |
| Efficiency ratio | 104.0213% | 683 |
| Assets per employee ($millions) | 2.0726% | 7,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3064% | 7,662 |
| Loan loss allowance to noncurrent loans | 13.9511% | 7,170 |
| Noncurrent assets plus other real estate owned to assets | 1.3935% | 4,389 |
| Noncurrent loans to loans | 2.1962% | 3,484 |
| Net loans and leases to total assets | 63.2567% | 4,404 |
| Net loans and leases to deposits | 73.1238% | 4,816 |
| Net loans and leases to core deposits | 80.5526% | 4,621 |
| Total domestic deposits to total assets | 86.5063% | 2,814 |
| Equity capital to assets | 11.1367% | 2,738 |
| Core capital (leverage) ratio | 9.6472% | 3,613 |
| Tier 1 risk-based capital ratio | 14.6324% | 3,365 |
| Total risk-based capital ratio | 14.9327% | 3,913 |
| Memoranda: | ||
| Average total assets | $67,469,000 | 6,052 |
| Average earning assets | $60,176,000 | 6,098 |
| Average equity | $7,984,670 | 5,810 |
| Average total loans | $40,896,330 | 6,015 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 1,888 |
| Cost of funding earning assets | 0.8381% | 6,975 |
| Net interest margin | 4.8313% | 600 |
| Noninterest income to average assets | 0.5457% | 3,680 |
| Noninterest expense to average assets | 5.3359% | 293 |
| Loan and lease loss provision to assets | 0.7216% | 1,764 |
| Net operating income to assets | -1.2127% | 7,220 |
| Return on assets (ROA) | -1.2127% | 7,242 |
| Pretax return on assets | -1.2127% | 7,153 |
| Return on Equity (ROE) | -9.9342% | 7,138 |
| Retained earnings to average equity (ytd only) | -9.9342% | 6,962 |
| Net charge-offs to loans | 0.1026% | 4,396 |
| Credit loss provision to net charge-offs | 1,190.0000% | 409 |
| Earnings coverage of net charge-offs (x) | -8.1000% | 5,555 |
| Efficiency ratio | 106.5081% | 668 |
| Assets per employee ($millions) | 2.1449% | 7,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2740% | 7,767 |
| Loan loss allowance to noncurrent loans | 67.7019% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 6,871 |
| Noncurrent loans to loans | 0.4047% | 6,482 |
| Net loans and leases to total assets | 57.8085% | 5,473 |
| Net loans and leases to deposits | 65.4947% | 5,879 |
| Net loans and leases to core deposits | 73.8017% | 5,517 |
| Total domestic deposits to total assets | 88.2643% | 1,917 |
| Equity capital to assets | 11.6074% | 2,288 |
| Core capital (leverage) ratio | 10.3723% | 2,744 |
| Tier 1 risk-based capital ratio | 15.9269% | 2,681 |
| Total risk-based capital ratio | 16.1829% | 3,099 |
| Memoranda: | ||
| Average total assets | $65,968,500 | 6,173 |
| Average earning assets | $58,701,000 | 6,216 |
| Average equity | $8,053,000 | 5,824 |
| Average total loans | $38,987,500 | 6,167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0009% | 7,972 |
| Cost of funding earning assets | 0.1898% | 7,946 |
| Net interest margin | 0.8111% | 7,947 |
| Noninterest income to average assets | 0.1169% | 7,176 |
| Noninterest expense to average assets | 1.3723% | 7,851 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.5056% | 6,186 |
| Return on assets (ROA) | -0.5056% | 6,178 |
| Pretax return on assets | -0.5056% | 6,014 |
| Return on Equity (ROE) | -4.9849% | 6,210 |
| Retained earnings to average equity (ytd only) | -4.9849% | 6,019 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.1508% | 273 |
| Assets per employee ($millions) | 2.1100% | 7,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 6,947 |
| Noncurrent loans to loans | 0.3457% | 6,589 |
| Net loans and leases to total assets | 60.3286% | 5,286 |
| Net loans and leases to deposits | 69.3155% | 5,687 |
| Net loans and leases to core deposits | 93.5889% | 4,718 |
| Total domestic deposits to total assets | 87.0348% | 2,487 |
| Equity capital to assets | 12.8578% | 1,566 |
| Core capital (leverage) ratio | 12.2036% | 1,580 |
| Tier 1 risk-based capital ratio | 16.5033% | 2,315 |
| Total risk-based capital ratio | 16.5033% | 2,779 |
| Memoranda: | ||
| Average total assets | $58,152,400 | 6,426 |
| Average earning assets | $53,751,200 | 6,385 |
| Average equity | $5,897,800 | 6,636 |
| Average total loans | $41,583,600 | 6,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1753% | 238 |
| Cost of funding earning assets | 1.1825% | 6,937 |
| Net interest margin | 5.9928% | 112 |
| Noninterest income to average assets | 0.6612% | 3,284 |
| Noninterest expense to average assets | 3.2075% | 3,278 |
| Loan and lease loss provision to assets | 0.4056% | 3,887 |
| Net operating income to assets | 1.7210% | 537 |
| Return on assets (ROA) | 1.7210% | 568 |
| Pretax return on assets | 2.6565% | 154 |
| Return on Equity (ROE) | 18.3352% | 424 |
| Retained earnings to average equity (ytd only) | 0.2248% | 5,104 |
| Net charge-offs to loans | -0.0283% | 7,798 |
| Credit loss provision to net charge-offs | -1,922.2222% | 7,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7105% | 7,506 |
| Assets per employee ($millions) | 2.4196% | 7,348 |
| Cash dividends to net income (ytd only)* | 98.7738% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,096 |
| Loan loss allowance to noncurrent loans | 438.2550% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 6,832 |
| Noncurrent loans to loans | 0.3596% | 6,631 |
| Net loans and leases to total assets | 73.2889% | 2,715 |
| Net loans and leases to deposits | 81.2276% | 4,162 |
| Net loans and leases to core deposits | 109.2609% | 3,316 |
| Total domestic deposits to total assets | 90.2266% | 689 |
| Equity capital to assets | 9.6027% | 4,617 |
| Core capital (leverage) ratio | 7.3659% | 7,113 |
| Tier 1 risk-based capital ratio | 10.1798% | 6,802 |
| Total risk-based capital ratio | 11.4520% | 6,717 |
| Memoranda: | ||
| Average total assets | $56,865,500 | 6,511 |
| Average earning assets | $53,218,250 | 6,451 |
| Average equity | $5,337,500 | 6,893 |
| Average total loans | $42,432,500 | 6,048 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1689% | 246 |
| Cost of funding earning assets | 1.1824% | 7,157 |
| Net interest margin | 5.9865% | 113 |
| Noninterest income to average assets | 0.6111% | 3,594 |
| Noninterest expense to average assets | 3.0243% | 3,993 |
| Loan and lease loss provision to assets | 0.3492% | 3,832 |
| Net operating income to assets | 1.8404% | 423 |
| Return on assets (ROA) | 1.8404% | 458 |
| Pretax return on assets | 2.8427% | 124 |
| Return on Equity (ROE) | 19.7551% | 350 |
| Retained earnings to average equity (ytd only) | 1.0121% | 4,764 |
| Net charge-offs to loans | -0.0468% | 7,837 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2022% | 7,744 |
| Assets per employee ($millions) | 2.8512% | 6,513 |
| Cash dividends to net income (ytd only)* | 94.8767% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 3,750 |
| Loan loss allowance to noncurrent loans | 68.1925% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 4,115 |
| Noncurrent loans to loans | 2.0460% | 3,451 |
| Net loans and leases to total assets | 68.5779% | 4,051 |
| Net loans and leases to deposits | 75.4742% | 5,247 |
| Net loans and leases to core deposits | 98.1898% | 4,681 |
| Total domestic deposits to total assets | 90.8626% | 505 |
| Equity capital to assets | 8.9453% | 5,391 |
| Core capital (leverage) ratio | 7.3568% | 7,181 |
| Tier 1 risk-based capital ratio | 9.8706% | 7,068 |
| Total risk-based capital ratio | 11.1071% | 7,010 |
| Memoranda: | ||
| Average total assets | $57,270,330 | 6,541 |
| Average earning assets | $53,620,670 | 6,486 |
| Average equity | $5,335,330 | 6,953 |
| Average total loans | $42,763,670 | 6,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5542% | 157 |
| Cost of funding earning assets | 1.2539% | 7,165 |
| Net interest margin | 6.3003% | 85 |
| Noninterest income to average assets | 0.6075% | 3,495 |
| Noninterest expense to average assets | 3.1661% | 3,131 |
| Loan and lease loss provision to assets | 0.1072% | 5,594 |
| Net operating income to assets | 2.0798% | 300 |
| Return on assets (ROA) | 2.0798% | 344 |
| Pretax return on assets | 3.2233% | 102 |
| Return on Equity (ROE) | 21.8592% | 313 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,162 |
| Net charge-offs to loans | -0.0185% | 7,418 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2948% | 7,713 |
| Assets per employee ($millions) | 2.4399% | 7,395 |
| Cash dividends to net income (ytd only)* | 85.9107% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 5,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.1994% | 1,991 |
| Net loans and leases to deposits | 86.4918% | 3,552 |
| Net loans and leases to core deposits | 115.1966% | 2,885 |
| Total domestic deposits to total assets | 89.2564% | 1,116 |
| Equity capital to assets | 9.6263% | 4,485 |
| Core capital (leverage) ratio | 7.4913% | 7,167 |
| Tier 1 risk-based capital ratio | 9.6254% | 7,312 |
| Total risk-based capital ratio | 10.7467% | 7,376 |
| Memoranda: | ||
| Average total assets | $55,968,000 | 6,633 |
| Average earning assets | $52,315,000 | 6,559 |
| Average equity | $5,325,000 | 6,996 |
| Average total loans | $43,324,500 | 6,079 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2983% | 599 |
| Cost of funding earning assets | 2.1332% | 5,913 |
| Net interest margin | 5.1651% | 361 |
| Noninterest income to average assets | 0.6920% | 3,171 |
| Noninterest expense to average assets | 3.1981% | 3,343 |
| Loan and lease loss provision to assets | 0.0361% | 6,953 |
| Net operating income to assets | 1.4527% | 1,122 |
| Return on assets (ROA) | 1.4527% | 1,072 |
| Pretax return on assets | 2.2133% | 388 |
| Return on Equity (ROE) | 15.4497% | 858 |
| Retained earnings to average equity (ytd only) | 1.0377% | 4,604 |
| Net charge-offs to loans | 0.0054% | 6,901 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 622.5000% | 88 |
| Efficiency ratio | 58.1758% | 6,666 |
| Assets per employee ($millions) | 2.2328% | 7,658 |
| Cash dividends to net income (ytd only)* | 93.2836% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.9025% | 2,651 |
| Net loans and leases to deposits | 87.4126% | 3,879 |
| Net loans and leases to core deposits | 117.4084% | 2,957 |
| Total domestic deposits to total assets | 86.8324% | 2,016 |
| Equity capital to assets | 9.4018% | 4,819 |
| Core capital (leverage) ratio | 7.5220% | 7,185 |
| Tier 1 risk-based capital ratio | 9.7243% | 7,055 |
| Total risk-based capital ratio | 10.8291% | 7,121 |
| Memoranda: | ||
| Average total assets | $55,346,000 | 6,559 |
| Average earning assets | $50,957,200 | 6,558 |
| Average equity | $5,204,000 | 7,081 |
| Average total loans | $37,381,800 | 6,296 |