Home > Fowler State Bank > Performance and Condition Ratios
Fowler State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 1,613 |
| Cost of funding earning assets | 1.6251% | 1,622 |
| Net interest margin | 3.6027% | 1,963 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.5271% | 2,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2196% | 1,602 |
| Return on assets (ROA) | 1.1395% | 1,785 |
| Pretax return on assets | 1.3915% | 1,656 |
| Return on Equity (ROE) | 10.1600% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.8051% | 2,671 |
| Net charge-offs to loans | 0.0819% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 37.1829% | 1,492 |
| Efficiency ratio | 62.9211% | 2,737 |
| Assets per employee ($millions) | 6.0311% | 2,791 |
| Cash dividends to net income (ytd only)* | 52.7218% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5285% | 983 |
| Loan loss allowance to noncurrent loans | 560.3390% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 2,589 |
| Noncurrent loans to loans | 0.2728% | 2,213 |
| Net loans and leases to total assets | 50.4500% | 3,571 |
| Net loans and leases to deposits | 63.6063% | 3,310 |
| Net loans and leases to core deposits | 64.9470% | 3,547 |
| Total domestic deposits to total assets | 79.3100% | 3,566 |
| Equity capital to assets | 11.5543% | 1,267 |
| Core capital (leverage) ratio | 13.0415% | 1,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $204,743,200 | 2,957 |
| Average earning assets | $196,352,000 | 2,902 |
| Average equity | $22,955,000 | 2,631 |
| Average total loans | $100,170,600 | 3,174 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 1,472 |
| Cost of funding earning assets | 1.4967% | 1,617 |
| Net interest margin | 3.6928% | 1,793 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.5172% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3011% | 1,549 |
| Return on assets (ROA) | 1.1687% | 1,860 |
| Pretax return on assets | 1.4135% | 1,750 |
| Return on Equity (ROE) | 10.5100% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.1486% | 1,908 |
| Net charge-offs to loans | 0.0815% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 39.9500% | 1,445 |
| Efficiency ratio | 61.5434% | 2,776 |
| Assets per employee ($millions) | 5.7746% | 2,950 |
| Cash dividends to net income (ytd only)* | 22.4593% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 856 |
| Loan loss allowance to noncurrent loans | 656.0000% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 2,738 |
| Noncurrent loans to loans | 0.2467% | 2,358 |
| Net loans and leases to total assets | 49.3300% | 3,666 |
| Net loans and leases to deposits | 59.6388% | 3,526 |
| Net loans and leases to core deposits | 60.2945% | 3,692 |
| Total domestic deposits to total assets | 82.7200% | 3,065 |
| Equity capital to assets | 10.9752% | 1,352 |
| Core capital (leverage) ratio | 13.4706% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $203,182,750 | 2,971 |
| Average earning assets | $194,644,750 | 2,923 |
| Average equity | $22,596,250 | 2,648 |
| Average total loans | $98,177,250 | 3,195 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 1,402 |
| Cost of funding earning assets | 1.3821% | 1,497 |
| Net interest margin | 3.6996% | 1,813 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.5587% | 2,038 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2869% | 1,601 |
| Return on assets (ROA) | 1.0838% | 2,159 |
| Pretax return on assets | 1.2970% | 2,088 |
| Return on Equity (ROE) | 9.7000% | 2,791 |
| Retained earnings to average equity (ytd only) | 7.5041% | 2,125 |
| Net charge-offs to loans | 0.0865% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 37.2857% | 1,440 |
| Efficiency ratio | 62.4460% | 2,652 |
| Assets per employee ($millions) | 5.3244% | 3,305 |
| Cash dividends to net income (ytd only)* | 22.6655% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6706% | 798 |
| Loan loss allowance to noncurrent loans | 510.1538% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 2,430 |
| Noncurrent loans to loans | 0.3275% | 1,957 |
| Net loans and leases to total assets | 48.2300% | 3,670 |
| Net loans and leases to deposits | 56.9719% | 3,591 |
| Net loans and leases to core deposits | 56.9719% | 3,770 |
| Total domestic deposits to total assets | 84.6600% | 2,635 |
| Equity capital to assets | 11.2999% | 1,272 |
| Core capital (leverage) ratio | 13.0093% | 1,026 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $203,540,000 | 2,978 |
| Average earning assets | $195,211,667 | 2,927 |
| Average equity | $22,734,333 | 2,646 |
| Average total loans | $97,122,000 | 3,205 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 1,490 |
| Cost of funding earning assets | 1.1488% | 1,601 |
| Net interest margin | 3.7101% | 1,880 |
| Noninterest income to average assets | 0.5000% | 1,841 |
| Noninterest expense to average assets | 2.3865% | 2,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4189% | 1,354 |
| Return on assets (ROA) | 0.9875% | 2,533 |
| Pretax return on assets | 1.1639% | 2,529 |
| Return on Equity (ROE) | 8.8900% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.8928% | 1,980 |
| Net charge-offs to loans | 0.1874% | 385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 18.9556% | 1,477 |
| Efficiency ratio | 58.8122% | 3,090 |
| Assets per employee ($millions) | 5.4997% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7106% | 793 |
| Loan loss allowance to noncurrent loans | 464.8876% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 2,278 |
| Noncurrent loans to loans | 0.3680% | 1,828 |
| Net loans and leases to total assets | 46.7300% | 3,733 |
| Net loans and leases to deposits | 54.1267% | 3,673 |
| Net loans and leases to core deposits | 54.1267% | 3,826 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 11.5894% | 1,127 |
| Core capital (leverage) ratio | 12.9496% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $204,145,500 | 3,009 |
| Average earning assets | $195,682,500 | 2,957 |
| Average equity | $22,670,000 | 2,672 |
| Average total loans | $96,059,000 | 3,254 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 1,386 |
| Cost of funding earning assets | 0.5242% | 1,242 |
| Net interest margin | 3.6115% | 1,614 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.4119% | 2,393 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2628% | 1,557 |
| Return on assets (ROA) | 1.1701% | 1,829 |
| Pretax return on assets | 1.3946% | 1,781 |
| Return on Equity (ROE) | 10.3100% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.3773% | 2,504 |
| Net charge-offs to loans | 0.0802% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 42.0133% | 1,472 |
| Efficiency ratio | 61.5779% | 2,826 |
| Assets per employee ($millions) | 5.3870% | 3,331 |
| Cash dividends to net income (ytd only)* | 38.1633% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 708 |
| Loan loss allowance to noncurrent loans | 743.8053% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 2,754 |
| Noncurrent loans to loans | 0.2370% | 2,329 |
| Net loans and leases to total assets | 45.7700% | 3,816 |
| Net loans and leases to deposits | 52.5095% | 3,767 |
| Net loans and leases to core deposits | 52.5095% | 3,888 |
| Total domestic deposits to total assets | 87.1600% | 2,340 |
| Equity capital to assets | 10.5571% | 1,430 |
| Core capital (leverage) ratio | 13.3042% | 868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $209,379,400 | 2,982 |
| Average earning assets | $200,498,000 | 2,934 |
| Average equity | $23,756,200 | 2,652 |
| Average total loans | $93,476,200 | 3,239 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9174% | 1,445 |
| Cost of funding earning assets | 0.3626% | 1,593 |
| Net interest margin | 3.5548% | 1,508 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3684% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2633% | 1,479 |
| Return on assets (ROA) | 1.1468% | 1,877 |
| Pretax return on assets | 1.3723% | 1,806 |
| Return on Equity (ROE) | 9.9400% | 2,743 |
| Retained earnings to average equity (ytd only) | 9.1988% | 1,578 |
| Net charge-offs to loans | 0.0516% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 66.2778% | 1,122 |
| Efficiency ratio | 61.0513% | 2,960 |
| Assets per employee ($millions) | 5.7553% | 2,982 |
| Cash dividends to net income (ytd only)* | 7.4544% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 831 |
| Loan loss allowance to noncurrent loans | 627.7372% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,688 |
| Noncurrent loans to loans | 0.2754% | 2,273 |
| Net loans and leases to total assets | 47.1800% | 3,690 |
| Net loans and leases to deposits | 55.0545% | 3,544 |
| Net loans and leases to core deposits | 55.0545% | 3,683 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 10.5757% | 1,344 |
| Core capital (leverage) ratio | 13.3754% | 807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $210,548,000 | 2,999 |
| Average earning assets | $201,898,000 | 2,939 |
| Average equity | $24,292,500 | 2,669 |
| Average total loans | $93,002,500 | 3,255 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6818% | 1,587 |
| Cost of funding earning assets | 0.2586% | 2,157 |
| Net interest margin | 3.4232% | 1,531 |
| Noninterest income to average assets | 0.4772% | 2,320 |
| Noninterest expense to average assets | 2.3424% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1859% | 1,476 |
| Return on assets (ROA) | 1.0384% | 1,996 |
| Pretax return on assets | 1.2463% | 1,908 |
| Return on Equity (ROE) | 8.7619% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.6856% | 1,734 |
| Net charge-offs to loans | 0.0793% | 677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 41.8611% | 1,236 |
| Efficiency ratio | 62.1927% | 3,020 |
| Assets per employee ($millions) | 5.3161% | 3,416 |
| Cash dividends to net income (ytd only)* | 12.2839% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8248% | 779 |
| Loan loss allowance to noncurrent loans | 575.2508% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 2,755 |
| Noncurrent loans to loans | 0.3172% | 2,204 |
| Net loans and leases to total assets | 42.4556% | 3,942 |
| Net loans and leases to deposits | 49.4803% | 3,833 |
| Net loans and leases to core deposits | 51.2628% | 3,857 |
| Total domestic deposits to total assets | 85.8030% | 3,298 |
| Equity capital to assets | 10.3807% | 1,491 |
| Core capital (leverage) ratio | 12.1714% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $211,667,000 | 3,020 |
| Average earning assets | $203,377,667 | 2,969 |
| Average equity | $25,086,000 | 2,678 |
| Average total loans | $90,844,000 | 3,315 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5428% | 1,663 |
| Cost of funding earning assets | 0.2244% | 2,469 |
| Net interest margin | 3.3184% | 1,531 |
| Noninterest income to average assets | 0.5256% | 2,015 |
| Noninterest expense to average assets | 2.3768% | 2,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1497% | 1,378 |
| Return on assets (ROA) | 1.1030% | 1,509 |
| Pretax return on assets | 1.2718% | 1,592 |
| Return on Equity (ROE) | 8.7399% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.7399% | 1,351 |
| Net charge-offs to loans | 0.1750% | 343 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 17.7179% | 1,319 |
| Efficiency ratio | 64.1969% | 3,000 |
| Assets per employee ($millions) | 5.1736% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9343% | 695 |
| Loan loss allowance to noncurrent loans | 780.4545% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,084 |
| Noncurrent loans to loans | 0.2478% | 2,601 |
| Net loans and leases to total assets | 41.0391% | 3,946 |
| Net loans and leases to deposits | 49.5396% | 3,768 |
| Net loans and leases to core deposits | 49.5396% | 3,897 |
| Total domestic deposits to total assets | 82.8411% | 3,960 |
| Equity capital to assets | 11.7605% | 1,036 |
| Core capital (leverage) ratio | 12.6140% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $208,519,500 | 3,053 |
| Average earning assets | $199,613,500 | 3,007 |
| Average equity | $26,316,000 | 2,694 |
| Average total loans | $89,137,500 | 3,339 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 1,793 |
| Cost of funding earning assets | 0.3040% | 2,376 |
| Net interest margin | 3.5272% | 1,664 |
| Noninterest income to average assets | 0.5943% | 2,183 |
| Noninterest expense to average assets | 2.5667% | 1,969 |
| Loan and lease loss provision to assets | -0.0729% | 4,456 |
| Net operating income to assets | 1.1063% | 2,274 |
| Return on assets (ROA) | 1.1029% | 2,342 |
| Pretax return on assets | 1.2795% | 2,422 |
| Return on Equity (ROE) | 8.1933% | 3,159 |
| Retained earnings to average equity (ytd only) | 2.8648% | 3,695 |
| Net charge-offs to loans | 0.1110% | 796 |
| Credit loss provision to net charge-offs | -147.0588% | 3,446 |
| Earnings coverage of net charge-offs (x) | 24.4020% | 1,746 |
| Efficiency ratio | 67.9542% | 1,989 |
| Assets per employee ($millions) | 5.1231% | 3,624 |
| Cash dividends to net income (ytd only)* | 65.0353% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9619% | 647 |
| Loan loss allowance to noncurrent loans | 255.9767% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3348% | 1,896 |
| Noncurrent loans to loans | 0.7664% | 1,323 |
| Net loans and leases to total assets | 42.8217% | 3,925 |
| Net loans and leases to deposits | 53.0029% | 3,665 |
| Net loans and leases to core deposits | 53.0029% | 3,827 |
| Total domestic deposits to total assets | 80.7912% | 4,128 |
| Equity capital to assets | 13.5105% | 762 |
| Core capital (leverage) ratio | 12.4147% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,630,400 | 3,022 |
| Average earning assets | $185,556,000 | 3,057 |
| Average equity | $27,681,000 | 2,669 |
| Average total loans | $91,868,200 | 3,311 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9207% | 1,703 |
| Cost of funding earning assets | 0.3251% | 2,351 |
| Net interest margin | 3.5956% | 1,609 |
| Noninterest income to average assets | 0.5435% | 2,442 |
| Noninterest expense to average assets | 2.5382% | 2,010 |
| Loan and lease loss provision to assets | -0.0972% | 4,596 |
| Net operating income to assets | 1.1161% | 2,494 |
| Return on assets (ROA) | 1.1156% | 2,549 |
| Pretax return on assets | 1.2834% | 2,666 |
| Return on Equity (ROE) | 8.2947% | 3,315 |
| Retained earnings to average equity (ytd only) | 5.8140% | 2,909 |
| Net charge-offs to loans | 0.1053% | 716 |
| Credit loss provision to net charge-offs | -205.4795% | 3,398 |
| Earnings coverage of net charge-offs (x) | 25.0959% | 1,627 |
| Efficiency ratio | 68.1391% | 1,806 |
| Assets per employee ($millions) | 4.7464% | 3,929 |
| Cash dividends to net income (ytd only)* | 29.9071% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9212% | 741 |
| Loan loss allowance to noncurrent loans | 348.8281% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 2,521 |
| Noncurrent loans to loans | 0.5508% | 1,939 |
| Net loans and leases to total assets | 44.6739% | 3,895 |
| Net loans and leases to deposits | 56.3203% | 3,553 |
| Net loans and leases to core deposits | 56.3203% | 3,750 |
| Total domestic deposits to total assets | 79.3211% | 4,315 |
| Equity capital to assets | 13.9688% | 742 |
| Core capital (leverage) ratio | 12.8506% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,807,500 | 3,056 |
| Average earning assets | $182,106,500 | 3,117 |
| Average equity | $27,679,750 | 2,700 |
| Average total loans | $92,458,500 | 3,345 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 1,386 |
| Cost of funding earning assets | 0.3407% | 2,397 |
| Net interest margin | 3.7403% | 1,241 |
| Noninterest income to average assets | 0.4894% | 2,670 |
| Noninterest expense to average assets | 2.4324% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0862% | 2,590 |
| Return on assets (ROA) | 1.1329% | 2,491 |
| Pretax return on assets | 1.3131% | 2,595 |
| Return on Equity (ROE) | 8.5319% | 3,253 |
| Retained earnings to average equity (ytd only) | 4.7732% | 3,272 |
| Net charge-offs to loans | 0.0607% | 1,006 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 46.3929% | 1,100 |
| Efficiency ratio | 65.8966% | 2,176 |
| Assets per employee ($millions) | 4.9481% | 3,699 |
| Cash dividends to net income (ytd only)* | 44.0547% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1410% | 475 |
| Loan loss allowance to noncurrent loans | 384.6602% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 2,542 |
| Noncurrent loans to loans | 0.5566% | 2,007 |
| Net loans and leases to total assets | 43.5685% | 4,068 |
| Net loans and leases to deposits | 55.7973% | 3,727 |
| Net loans and leases to core deposits | 56.1088% | 3,881 |
| Total domestic deposits to total assets | 78.0836% | 4,423 |
| Equity capital to assets | 13.4423% | 831 |
| Core capital (leverage) ratio | 12.0705% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,377,667 | 3,048 |
| Average earning assets | $176,671,667 | 3,163 |
| Average equity | $27,403,000 | 2,710 |
| Average total loans | $92,290,000 | 3,366 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1357% | 1,314 |
| Cost of funding earning assets | 0.3363% | 2,654 |
| Net interest margin | 3.7994% | 1,141 |
| Noninterest income to average assets | 0.4474% | 2,839 |
| Noninterest expense to average assets | 2.3612% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1272% | 2,393 |
| Return on assets (ROA) | 1.2176% | 2,165 |
| Pretax return on assets | 1.4218% | 2,222 |
| Return on Equity (ROE) | 9.2274% | 2,951 |
| Retained earnings to average equity (ytd only) | 3.8472% | 3,548 |
| Net charge-offs to loans | 0.0781% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 37.6111% | 1,005 |
| Efficiency ratio | 64.1988% | 2,439 |
| Assets per employee ($millions) | 4.9682% | 3,693 |
| Cash dividends to net income (ytd only)* | 58.3067% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1461% | 462 |
| Loan loss allowance to noncurrent loans | 229.7921% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 2,156 |
| Noncurrent loans to loans | 0.9339% | 1,446 |
| Net loans and leases to total assets | 43.4852% | 4,146 |
| Net loans and leases to deposits | 55.3767% | 3,837 |
| Net loans and leases to core deposits | 55.5611% | 4,004 |
| Total domestic deposits to total assets | 78.5262% | 4,384 |
| Equity capital to assets | 13.0411% | 900 |
| Core capital (leverage) ratio | 12.2670% | 1,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $205,655,500 | 3,037 |
| Average earning assets | $174,867,500 | 3,167 |
| Average equity | $27,136,500 | 2,721 |
| Average total loans | $92,172,000 | 3,377 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6005% | 1,095 |
| Cost of funding earning assets | 0.4170% | 3,480 |
| Net interest margin | 4.1834% | 660 |
| Noninterest income to average assets | 0.5191% | 2,551 |
| Noninterest expense to average assets | 2.9454% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2011% | 1,554 |
| Return on assets (ROA) | 1.3415% | 1,242 |
| Pretax return on assets | 1.5568% | 1,175 |
| Return on Equity (ROE) | 9.3967% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.7492% | 1,131 |
| Net charge-offs to loans | 0.0661% | 1,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 41.9667% | 1,342 |
| Efficiency ratio | 67.8827% | 2,252 |
| Assets per employee ($millions) | 4.9426% | 3,449 |
| Cash dividends to net income (ytd only)* | 17.5330% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1918% | 417 |
| Loan loss allowance to noncurrent loans | 175.6780% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 1,872 |
| Noncurrent loans to loans | 1.2476% | 1,101 |
| Net loans and leases to total assets | 44.2188% | 4,232 |
| Net loans and leases to deposits | 56.7028% | 3,957 |
| Net loans and leases to core deposits | 56.8972% | 4,108 |
| Total domestic deposits to total assets | 77.9834% | 4,318 |
| Equity capital to assets | 13.3538% | 980 |
| Core capital (leverage) ratio | 12.4879% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,689,000 | 3,097 |
| Average earning assets | $164,983,600 | 3,120 |
| Average equity | $25,796,200 | 2,750 |
| Average total loans | $90,748,800 | 3,386 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,134 |
| Cost of funding earning assets | 0.4360% | 3,604 |
| Net interest margin | 4.2341% | 683 |
| Noninterest income to average assets | 0.4794% | 2,697 |
| Noninterest expense to average assets | 2.9406% | 1,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2516% | 1,478 |
| Return on assets (ROA) | 1.5700% | 852 |
| Pretax return on assets | 1.8721% | 677 |
| Return on Equity (ROE) | 10.7951% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.2719% | 710 |
| Net charge-offs to loans | 0.0324% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 89.1818% | 854 |
| Efficiency ratio | 66.3234% | 2,430 |
| Assets per employee ($millions) | 4.5165% | 3,831 |
| Cash dividends to net income (ytd only)* | 4.8473% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 421 |
| Loan loss allowance to noncurrent loans | 122.5150% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.9164% | 1,245 |
| Noncurrent loans to loans | 1.7116% | 799 |
| Net loans and leases to total assets | 51.5847% | 3,991 |
| Net loans and leases to deposits | 67.8368% | 3,480 |
| Net loans and leases to core deposits | 68.3190% | 3,740 |
| Total domestic deposits to total assets | 76.0424% | 4,417 |
| Equity capital to assets | 14.4278% | 752 |
| Core capital (leverage) ratio | 14.2808% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,199,500 | 3,132 |
| Average earning assets | $163,619,250 | 3,117 |
| Average equity | $25,480,000 | 2,761 |
| Average total loans | $90,532,000 | 3,403 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 1,360 |
| Cost of funding earning assets | 0.4777% | 3,671 |
| Net interest margin | 4.2438% | 837 |
| Noninterest income to average assets | 0.4445% | 2,830 |
| Noninterest expense to average assets | 3.0266% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2305% | 1,545 |
| Return on assets (ROA) | 1.4836% | 1,034 |
| Pretax return on assets | 1.7234% | 950 |
| Return on Equity (ROE) | 10.1725% | 1,933 |
| Retained earnings to average equity (ytd only) | 9.3746% | 919 |
| Net charge-offs to loans | 0.0408% | 1,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 68.2222% | 893 |
| Efficiency ratio | 67.9290% | 2,240 |
| Assets per employee ($millions) | 4.3235% | 3,978 |
| Cash dividends to net income (ytd only)* | 7.8431% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 354 |
| Loan loss allowance to noncurrent loans | 210.2564% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 2,107 |
| Noncurrent loans to loans | 1.0296% | 1,512 |
| Net loans and leases to total assets | 52.2669% | 4,011 |
| Net loans and leases to deposits | 69.2386% | 3,479 |
| Net loans and leases to core deposits | 69.7526% | 3,729 |
| Total domestic deposits to total assets | 75.4881% | 4,475 |
| Equity capital to assets | 14.5579% | 723 |
| Core capital (leverage) ratio | 13.3754% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,873,667 | 3,144 |
| Average earning assets | $162,447,000 | 3,114 |
| Average equity | $25,067,667 | 2,777 |
| Average total loans | $88,186,333 | 3,455 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,264 |
| Cost of funding earning assets | 0.5501% | 3,692 |
| Net interest margin | 4.3230% | 728 |
| Noninterest income to average assets | 0.5036% | 2,533 |
| Noninterest expense to average assets | 3.0146% | 1,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3054% | 1,233 |
| Return on assets (ROA) | 1.6551% | 611 |
| Pretax return on assets | 1.9506% | 509 |
| Return on Equity (ROE) | 11.3367% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.3367% | 511 |
| Net charge-offs to loans | -0.0330% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1994% | 2,929 |
| Assets per employee ($millions) | 4.0739% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3649% | 299 |
| Loan loss allowance to noncurrent loans | 205.4455% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,183 |
| Noncurrent loans to loans | 1.1511% | 1,441 |
| Net loans and leases to total assets | 50.0663% | 4,238 |
| Net loans and leases to deposits | 66.7137% | 3,817 |
| Net loans and leases to core deposits | 67.2299% | 4,022 |
| Total domestic deposits to total assets | 75.0466% | 4,584 |
| Equity capital to assets | 14.3200% | 955 |
| Core capital (leverage) ratio | 14.2380% | 851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1953% | 724 |
| Memoranda: | ||
| Average total assets | $169,178,000 | 3,145 |
| Average earning assets | $158,502,500 | 3,122 |
| Average equity | $24,698,500 | 2,796 |
| Average total loans | $84,929,000 | 3,499 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 1,568 |
| Cost of funding earning assets | 0.7263% | 3,034 |
| Net interest margin | 4.2392% | 1,234 |
| Noninterest income to average assets | 0.4615% | 2,944 |
| Noninterest expense to average assets | 3.1872% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1369% | 2,301 |
| Return on assets (ROA) | 1.4580% | 1,226 |
| Pretax return on assets | 1.6714% | 1,270 |
| Return on Equity (ROE) | 9.8164% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.6994% | 2,586 |
| Net charge-offs to loans | 0.1430% | 1,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 18.6261% | 2,049 |
| Efficiency ratio | 70.9913% | 2,025 |
| Assets per employee ($millions) | 3.9822% | 3,921 |
| Cash dividends to net income (ytd only)* | 52.1268% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5183% | 214 |
| Loan loss allowance to noncurrent loans | 366.6667% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 2,985 |
| Noncurrent loans to loans | 0.6868% | 2,165 |
| Net loans and leases to total assets | 47.8616% | 4,435 |
| Net loans and leases to deposits | 63.2781% | 4,120 |
| Net loans and leases to core deposits | 63.7732% | 4,289 |
| Total domestic deposits to total assets | 75.6369% | 4,644 |
| Equity capital to assets | 14.8846% | 823 |
| Core capital (leverage) ratio | 13.6590% | 1,006 |
| Tier 1 risk-based capital ratio | 19.6722% | 1,377 |
| Total risk-based capital ratio | 20.9280% | 1,348 |
| Memoranda: | ||
| Average total assets | $164,470,600 | 3,162 |
| Average earning assets | $156,280,600 | 3,121 |
| Average equity | $24,428,600 | 2,757 |
| Average total loans | $80,443,800 | 3,596 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 1,626 |
| Cost of funding earning assets | 0.7520% | 2,961 |
| Net interest margin | 4.2161% | 1,339 |
| Noninterest income to average assets | 0.4453% | 3,050 |
| Noninterest expense to average assets | 2.9112% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3282% | 1,739 |
| Return on assets (ROA) | 1.6909% | 803 |
| Pretax return on assets | 1.9726% | 730 |
| Return on Equity (ROE) | 11.3905% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.5679% | 610 |
| Net charge-offs to loans | 0.0933% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.0201% | 1,510 |
| Efficiency ratio | 65.2436% | 2,819 |
| Assets per employee ($millions) | 3.8051% | 4,160 |
| Cash dividends to net income (ytd only)* | 7.2221% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5813% | 200 |
| Loan loss allowance to noncurrent loans | 344.7326% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 2,870 |
| Noncurrent loans to loans | 0.7488% | 2,090 |
| Net loans and leases to total assets | 49.0603% | 4,477 |
| Net loans and leases to deposits | 64.4853% | 4,145 |
| Net loans and leases to core deposits | 64.9981% | 4,327 |
| Total domestic deposits to total assets | 76.0798% | 4,644 |
| Equity capital to assets | 15.7280% | 694 |
| Core capital (leverage) ratio | 14.8686% | 767 |
| Tier 1 risk-based capital ratio | 20.4960% | 1,286 |
| Total risk-based capital ratio | 21.7522% | 1,251 |
| Memoranda: | ||
| Average total assets | $163,775,000 | 3,200 |
| Average earning assets | $156,031,000 | 3,154 |
| Average equity | $24,312,000 | 2,779 |
| Average total loans | $80,025,250 | 3,642 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 1,542 |
| Cost of funding earning assets | 0.7498% | 2,893 |
| Net interest margin | 4.2273% | 1,294 |
| Noninterest income to average assets | 0.4065% | 3,232 |
| Noninterest expense to average assets | 2.8982% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3136% | 1,724 |
| Return on assets (ROA) | 1.8605% | 554 |
| Pretax return on assets | 2.1779% | 464 |
| Return on Equity (ROE) | 12.7863% | 1,307 |
| Retained earnings to average equity (ytd only) | 11.5278% | 475 |
| Net charge-offs to loans | 0.0480% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 66.1579% | 934 |
| Efficiency ratio | 65.3814% | 2,909 |
| Assets per employee ($millions) | 3.7473% | 4,184 |
| Cash dividends to net income (ytd only)* | 9.8425% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6703% | 180 |
| Loan loss allowance to noncurrent loans | 411.4068% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3599% | 3,097 |
| Noncurrent loans to loans | 0.6491% | 2,323 |
| Net loans and leases to total assets | 48.9506% | 4,525 |
| Net loans and leases to deposits | 64.9279% | 4,166 |
| Net loans and leases to core deposits | 65.4548% | 4,339 |
| Total domestic deposits to total assets | 75.3922% | 4,739 |
| Equity capital to assets | 15.5316% | 704 |
| Core capital (leverage) ratio | 13.9626% | 973 |
| Tier 1 risk-based capital ratio | 20.2353% | 1,303 |
| Total risk-based capital ratio | 21.4926% | 1,273 |
| Memoranda: | ||
| Average total assets | $163,827,000 | 3,211 |
| Average earning assets | $156,033,670 | 3,170 |
| Average equity | $23,838,000 | 2,812 |
| Average total loans | $79,234,000 | 3,671 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 1,668 |
| Cost of funding earning assets | 0.6915% | 3,100 |
| Net interest margin | 4.1851% | 1,331 |
| Noninterest income to average assets | 0.4408% | 2,906 |
| Noninterest expense to average assets | 2.8697% | 2,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3654% | 1,471 |
| Return on assets (ROA) | 1.5184% | 1,099 |
| Pretax return on assets | 1.7000% | 1,207 |
| Return on Equity (ROE) | 10.7901% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.7901% | 853 |
| Net charge-offs to loans | 0.0153% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 210.3333% | 370 |
| Efficiency ratio | 65.2533% | 3,049 |
| Assets per employee ($millions) | 3.8911% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7683% | 169 |
| Loan loss allowance to noncurrent loans | 344.3918% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 2,964 |
| Noncurrent loans to loans | 0.8038% | 2,030 |
| Net loans and leases to total assets | 46.8521% | 4,630 |
| Net loans and leases to deposits | 60.2858% | 4,394 |
| Net loans and leases to core deposits | 60.7536% | 4,543 |
| Total domestic deposits to total assets | 77.7167% | 4,561 |
| Equity capital to assets | 14.6029% | 858 |
| Core capital (leverage) ratio | 13.9612% | 965 |
| Tier 1 risk-based capital ratio | 19.7385% | 1,388 |
| Total risk-based capital ratio | 20.9962% | 1,367 |
| Memoranda: | ||
| Average total assets | $165,172,500 | 3,236 |
| Average earning assets | $156,173,500 | 3,201 |
| Average equity | $23,243,500 | 2,862 |
| Average total loans | $78,330,500 | 3,730 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 1,180 |
| Cost of funding earning assets | 0.6161% | 2,612 |
| Net interest margin | 4.3256% | 1,097 |
| Noninterest income to average assets | 0.4780% | 2,951 |
| Noninterest expense to average assets | 3.0098% | 2,023 |
| Loan and lease loss provision to assets | 0.0996% | 2,194 |
| Net operating income to assets | 1.3737% | 1,522 |
| Return on assets (ROA) | 1.4339% | 1,318 |
| Pretax return on assets | 1.5273% | 1,687 |
| Return on Equity (ROE) | 10.2263% | 2,432 |
| Retained earnings to average equity (ytd only) | 4.3453% | 3,152 |
| Net charge-offs to loans | 0.0398% | 2,607 |
| Credit loss provision to net charge-offs | 533.3333% | 654 |
| Earnings coverage of net charge-offs (x) | 83.7000% | 840 |
| Efficiency ratio | 65.8228% | 2,894 |
| Assets per employee ($millions) | 3.7936% | 4,188 |
| Cash dividends to net income (ytd only)* | 57.5087% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8019% | 163 |
| Loan loss allowance to noncurrent loans | 236.5114% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5703% | 2,333 |
| Noncurrent loans to loans | 1.1847% | 1,353 |
| Net loans and leases to total assets | 45.3690% | 4,764 |
| Net loans and leases to deposits | 58.3694% | 4,556 |
| Net loans and leases to core deposits | 58.9257% | 4,673 |
| Total domestic deposits to total assets | 77.7274% | 4,532 |
| Equity capital to assets | 13.5528% | 1,119 |
| Core capital (leverage) ratio | 13.0394% | 1,231 |
| Tier 1 risk-based capital ratio | 18.7012% | 1,570 |
| Total risk-based capital ratio | 19.9583% | 1,528 |
| Memoranda: | ||
| Average total assets | $160,675,400 | 3,269 |
| Average earning assets | $152,095,000 | 3,223 |
| Average equity | $22,530,200 | 2,859 |
| Average total loans | $75,284,400 | 3,764 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9237% | 1,108 |
| Cost of funding earning assets | 0.5570% | 2,815 |
| Net interest margin | 4.3667% | 974 |
| Noninterest income to average assets | 0.4927% | 2,914 |
| Noninterest expense to average assets | 3.0577% | 1,863 |
| Loan and lease loss provision to assets | 0.1341% | 1,496 |
| Net operating income to assets | 1.2593% | 2,001 |
| Return on assets (ROA) | 1.3809% | 1,556 |
| Pretax return on assets | 1.5644% | 1,691 |
| Return on Equity (ROE) | 9.7625% | 2,723 |
| Retained earnings to average equity (ytd only) | 9.0221% | 1,211 |
| Net charge-offs to loans | 0.0250% | 2,622 |
| Credit loss provision to net charge-offs | 1,142.8571% | 363 |
| Earnings coverage of net charge-offs (x) | 132.9727% | 610 |
| Efficiency ratio | 66.2130% | 2,830 |
| Assets per employee ($millions) | 3.7081% | 4,293 |
| Cash dividends to net income (ytd only)* | 7.5848% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8933% | 155 |
| Loan loss allowance to noncurrent loans | 322.4340% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 2,894 |
| Noncurrent loans to loans | 0.8973% | 1,904 |
| Net loans and leases to total assets | 45.2341% | 4,829 |
| Net loans and leases to deposits | 58.7099% | 4,608 |
| Net loans and leases to core deposits | 59.2876% | 4,731 |
| Total domestic deposits to total assets | 77.0468% | 4,636 |
| Equity capital to assets | 13.9779% | 968 |
| Core capital (leverage) ratio | 14.4218% | 841 |
| Tier 1 risk-based capital ratio | 20.0061% | 1,335 |
| Total risk-based capital ratio | 21.2641% | 1,298 |
| Memoranda: | ||
| Average total assets | $159,114,750 | 3,316 |
| Average earning assets | $150,317,250 | 3,269 |
| Average equity | $22,507,250 | 2,875 |
| Average total loans | $74,627,500 | 3,816 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 955 |
| Cost of funding earning assets | 0.5329% | 2,743 |
| Net interest margin | 4.3969% | 855 |
| Noninterest income to average assets | 0.5033% | 2,841 |
| Noninterest expense to average assets | 3.0437% | 1,927 |
| Loan and lease loss provision to assets | 0.1521% | 1,245 |
| Net operating income to assets | 1.2569% | 1,956 |
| Return on assets (ROA) | 1.4477% | 1,286 |
| Pretax return on assets | 1.6924% | 1,233 |
| Return on Equity (ROE) | 10.1929% | 2,484 |
| Retained earnings to average equity (ytd only) | 9.0772% | 1,188 |
| Net charge-offs to loans | 0.0351% | 2,149 |
| Credit loss provision to net charge-offs | 923.0769% | 436 |
| Earnings coverage of net charge-offs (x) | 98.4615% | 701 |
| Efficiency ratio | 65.2268% | 3,116 |
| Assets per employee ($millions) | 3.6694% | 4,383 |
| Cash dividends to net income (ytd only)* | 10.9457% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9229% | 157 |
| Loan loss allowance to noncurrent loans | 320.0000% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 2,941 |
| Noncurrent loans to loans | 0.9134% | 1,893 |
| Net loans and leases to total assets | 45.4660% | 4,854 |
| Net loans and leases to deposits | 57.6226% | 4,661 |
| Net loans and leases to core deposits | 58.1971% | 4,787 |
| Total domestic deposits to total assets | 78.9031% | 4,442 |
| Equity capital to assets | 14.3371% | 851 |
| Core capital (leverage) ratio | 13.6288% | 1,024 |
| Tier 1 risk-based capital ratio | 20.3636% | 1,263 |
| Total risk-based capital ratio | 21.6220% | 1,239 |
| Memoranda: | ||
| Average total assets | $157,767,000 | 3,350 |
| Average earning assets | $149,378,670 | 3,302 |
| Average equity | $22,407,670 | 2,891 |
| Average total loans | $74,169,330 | 3,845 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 1,159 |
| Cost of funding earning assets | 0.4842% | 2,915 |
| Net interest margin | 4.2793% | 984 |
| Noninterest income to average assets | 0.5375% | 2,592 |
| Noninterest expense to average assets | 3.0959% | 1,839 |
| Loan and lease loss provision to assets | 0.1521% | 1,189 |
| Net operating income to assets | 1.1671% | 2,148 |
| Return on assets (ROA) | 1.2881% | 1,687 |
| Pretax return on assets | 1.4351% | 1,883 |
| Return on Equity (ROE) | 9.1119% | 2,858 |
| Retained earnings to average equity (ytd only) | 9.1119% | 1,422 |
| Net charge-offs to loans | 0.0646% | 1,460 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 47.7500% | 970 |
| Efficiency ratio | 68.0602% | 2,826 |
| Assets per employee ($millions) | 3.4798% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8569% | 177 |
| Loan loss allowance to noncurrent loans | 229.3668% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 2,500 |
| Noncurrent loans to loans | 1.2455% | 1,456 |
| Net loans and leases to total assets | 45.6221% | 4,814 |
| Net loans and leases to deposits | 57.2765% | 4,628 |
| Net loans and leases to core deposits | 57.8465% | 4,762 |
| Total domestic deposits to total assets | 79.6523% | 4,471 |
| Equity capital to assets | 14.2299% | 834 |
| Core capital (leverage) ratio | 14.0124% | 875 |
| Tier 1 risk-based capital ratio | 20.3074% | 1,294 |
| Total risk-based capital ratio | 21.5656% | 1,263 |
| Memoranda: | ||
| Average total assets | $157,757,500 | 3,389 |
| Average earning assets | $147,873,000 | 3,364 |
| Average equity | $22,300,500 | 2,931 |
| Average total loans | $74,304,500 | 3,874 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 1,425 |
| Cost of funding earning assets | 0.4347% | 2,918 |
| Net interest margin | 4.1670% | 1,259 |
| Noninterest income to average assets | 0.4088% | 3,570 |
| Noninterest expense to average assets | 2.8442% | 2,629 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3153% | 1,189 |
| Return on assets (ROA) | 1.2892% | 1,274 |
| Pretax return on assets | 1.5019% | 1,639 |
| Return on Equity (ROE) | 9.1385% | 2,248 |
| Retained earnings to average equity (ytd only) | 3.1718% | 3,402 |
| Net charge-offs to loans | 0.1312% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 24.9588% | 1,735 |
| Efficiency ratio | 64.9892% | 3,448 |
| Assets per employee ($millions) | 3.6959% | 4,436 |
| Cash dividends to net income (ytd only)* | 65.2921% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7349% | 190 |
| Loan loss allowance to noncurrent loans | 189.7412% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,210 |
| Noncurrent loans to loans | 1.4414% | 1,188 |
| Net loans and leases to total assets | 45.9433% | 4,892 |
| Net loans and leases to deposits | 58.8633% | 4,649 |
| Net loans and leases to core deposits | 59.4494% | 4,782 |
| Total domestic deposits to total assets | 78.0509% | 4,714 |
| Equity capital to assets | 14.0434% | 896 |
| Core capital (leverage) ratio | 13.2655% | 1,050 |
| Tier 1 risk-based capital ratio | 19.3017% | 1,449 |
| Total risk-based capital ratio | 20.5584% | 1,425 |
| Memoranda: | ||
| Average total assets | $158,004,800 | 3,378 |
| Average earning assets | $150,444,000 | 3,318 |
| Average equity | $22,290,200 | 2,925 |
| Average total loans | $73,931,400 | 3,871 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 1,515 |
| Cost of funding earning assets | 0.4155% | 3,038 |
| Net interest margin | 4.1308% | 1,316 |
| Noninterest income to average assets | 0.4318% | 3,461 |
| Noninterest expense to average assets | 2.7963% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4047% | 1,074 |
| Return on assets (ROA) | 1.3504% | 1,222 |
| Pretax return on assets | 1.5304% | 1,668 |
| Return on Equity (ROE) | 9.5615% | 2,317 |
| Retained earnings to average equity (ytd only) | 8.9631% | 851 |
| Net charge-offs to loans | 0.0959% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 35.5497% | 1,411 |
| Efficiency ratio | 63.7204% | 3,604 |
| Assets per employee ($millions) | 3.6798% | 4,476 |
| Cash dividends to net income (ytd only)* | 6.2578% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7540% | 195 |
| Loan loss allowance to noncurrent loans | 180.7759% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 2,249 |
| Noncurrent loans to loans | 1.5234% | 1,222 |
| Net loans and leases to total assets | 46.7955% | 4,893 |
| Net loans and leases to deposits | 63.3408% | 4,427 |
| Net loans and leases to core deposits | 64.0104% | 4,605 |
| Total domestic deposits to total assets | 73.8790% | 5,244 |
| Equity capital to assets | 14.8591% | 759 |
| Core capital (leverage) ratio | 14.1380% | 855 |
| Tier 1 risk-based capital ratio | 19.7290% | 1,430 |
| Total risk-based capital ratio | 20.9864% | 1,386 |
| Memoranda: | ||
| Average total assets | $157,775,500 | 3,403 |
| Average earning assets | $151,121,500 | 3,341 |
| Average equity | $22,283,250 | 2,947 |
| Average total loans | $73,647,500 | 3,915 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5562% | 1,374 |
| Cost of funding earning assets | 0.4059% | 3,016 |
| Net interest margin | 4.1503% | 1,203 |
| Noninterest income to average assets | 0.4568% | 3,311 |
| Noninterest expense to average assets | 2.7636% | 2,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4455% | 961 |
| Return on assets (ROA) | 1.3729% | 1,148 |
| Pretax return on assets | 1.5683% | 1,436 |
| Return on Equity (ROE) | 9.8932% | 2,084 |
| Retained earnings to average equity (ytd only) | 8.9788% | 847 |
| Net charge-offs to loans | 0.1373% | 1,334 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 26.0200% | 1,585 |
| Efficiency ratio | 62.6042% | 3,886 |
| Assets per employee ($millions) | 3.2580% | 5,022 |
| Cash dividends to net income (ytd only)* | 9.2421% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8577% | 186 |
| Loan loss allowance to noncurrent loans | 221.7529% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6305% | 2,670 |
| Noncurrent loans to loans | 1.2887% | 1,493 |
| Net loans and leases to total assets | 45.6479% | 4,962 |
| Net loans and leases to deposits | 59.9746% | 4,630 |
| Net loans and leases to core deposits | 60.9044% | 4,775 |
| Total domestic deposits to total assets | 76.1120% | 5,079 |
| Equity capital to assets | 14.6972% | 768 |
| Core capital (leverage) ratio | 13.3049% | 1,053 |
| Tier 1 risk-based capital ratio | 19.7355% | 1,427 |
| Total risk-based capital ratio | 20.9933% | 1,388 |
| Memoranda: | ||
| Average total assets | $157,623,000 | 3,420 |
| Average earning assets | $150,301,000 | 3,364 |
| Average equity | $21,873,670 | 2,984 |
| Average total loans | $72,815,670 | 3,953 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 1,433 |
| Cost of funding earning assets | 0.3711% | 3,300 |
| Net interest margin | 4.1064% | 1,203 |
| Noninterest income to average assets | 0.5258% | 2,792 |
| Noninterest expense to average assets | 2.7249% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4370% | 920 |
| Return on assets (ROA) | 1.2437% | 1,432 |
| Pretax return on assets | 1.4610% | 1,661 |
| Return on Equity (ROE) | 9.2314% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.2314% | 1,007 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7411% | 4,188 |
| Assets per employee ($millions) | 3.6088% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9990% | 178 |
| Loan loss allowance to noncurrent loans | 184.8667% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 2,421 |
| Noncurrent loans to loans | 1.6222% | 1,203 |
| Net loans and leases to total assets | 43.7951% | 5,049 |
| Net loans and leases to deposits | 56.6955% | 4,776 |
| Net loans and leases to core deposits | 57.5480% | 4,901 |
| Total domestic deposits to total assets | 77.2462% | 5,085 |
| Equity capital to assets | 13.7417% | 991 |
| Core capital (leverage) ratio | 13.5522% | 961 |
| Tier 1 risk-based capital ratio | 19.1821% | 1,566 |
| Total risk-based capital ratio | 20.4400% | 1,532 |
| Memoranda: | ||
| Average total assets | $158,242,500 | 3,449 |
| Average earning assets | $149,813,500 | 3,402 |
| Average equity | $21,318,500 | 3,053 |
| Average total loans | $72,480,500 | 3,989 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 1,619 |
| Cost of funding earning assets | 0.3632% | 3,381 |
| Net interest margin | 4.1106% | 1,361 |
| Noninterest income to average assets | 0.3975% | 3,908 |
| Noninterest expense to average assets | 2.9363% | 2,543 |
| Loan and lease loss provision to assets | 0.1648% | 1,493 |
| Net operating income to assets | 1.0564% | 2,108 |
| Return on assets (ROA) | 1.2934% | 1,303 |
| Pretax return on assets | 1.5407% | 1,461 |
| Return on Equity (ROE) | 8.9205% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.6918% | 3,284 |
| Net charge-offs to loans | 0.2242% | 1,238 |
| Credit loss provision to net charge-offs | 154.3210% | 1,777 |
| Earnings coverage of net charge-offs (x) | 13.3272% | 2,377 |
| Efficiency ratio | 67.3522% | 3,376 |
| Assets per employee ($millions) | 3.6674% | 4,524 |
| Cash dividends to net income (ytd only)* | 58.6137% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9344% | 188 |
| Loan loss allowance to noncurrent loans | 181.7413% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 2,432 |
| Noncurrent loans to loans | 1.6146% | 1,214 |
| Net loans and leases to total assets | 45.0989% | 5,064 |
| Net loans and leases to deposits | 59.9850% | 4,668 |
| Net loans and leases to core deposits | 60.9154% | 4,812 |
| Total domestic deposits to total assets | 75.1836% | 5,331 |
| Equity capital to assets | 13.2005% | 1,172 |
| Core capital (leverage) ratio | 12.9367% | 1,157 |
| Tier 1 risk-based capital ratio | 18.4852% | 1,734 |
| Total risk-based capital ratio | 19.7432% | 1,696 |
| Memoranda: | ||
| Average total assets | $151,687,800 | 3,494 |
| Average earning assets | $146,206,400 | 3,417 |
| Average equity | $21,994,400 | 2,985 |
| Average total loans | $72,269,000 | 3,987 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,648 |
| Cost of funding earning assets | 0.3574% | 3,463 |
| Net interest margin | 4.1083% | 1,367 |
| Noninterest income to average assets | 0.3933% | 3,968 |
| Noninterest expense to average assets | 2.9430% | 2,487 |
| Loan and lease loss provision to assets | 0.0888% | 2,454 |
| Net operating income to assets | 1.1326% | 1,870 |
| Return on assets (ROA) | 1.4533% | 1,015 |
| Pretax return on assets | 1.7090% | 1,090 |
| Return on Equity (ROE) | 9.7924% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.1942% | 757 |
| Net charge-offs to loans | 0.2147% | 1,082 |
| Credit loss provision to net charge-offs | 86.2069% | 2,584 |
| Earnings coverage of net charge-offs (x) | 13.7934% | 2,284 |
| Efficiency ratio | 67.4466% | 3,326 |
| Assets per employee ($millions) | 3.4639% | 4,818 |
| Cash dividends to net income (ytd only)* | 6.1087% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7324% | 254 |
| Loan loss allowance to noncurrent loans | 177.9130% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 2,693 |
| Noncurrent loans to loans | 1.5358% | 1,411 |
| Net loans and leases to total assets | 46.7249% | 5,044 |
| Net loans and leases to deposits | 64.3205% | 4,460 |
| Net loans and leases to core deposits | 65.0158% | 4,668 |
| Total domestic deposits to total assets | 72.6439% | 5,551 |
| Equity capital to assets | 14.8947% | 763 |
| Core capital (leverage) ratio | 13.9641% | 860 |
| Tier 1 risk-based capital ratio | 19.1769% | 1,633 |
| Total risk-based capital ratio | 20.4333% | 1,587 |
| Memoranda: | ||
| Average total assets | $150,185,250 | 3,535 |
| Average earning assets | $145,132,750 | 3,450 |
| Average equity | $22,288,750 | 2,990 |
| Average total loans | $72,018,750 | 4,018 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4552% | 1,656 |
| Cost of funding earning assets | 0.3527% | 3,535 |
| Net interest margin | 4.1025% | 1,362 |
| Noninterest income to average assets | 0.3830% | 4,002 |
| Noninterest expense to average assets | 2.9591% | 2,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1910% | 1,635 |
| Return on assets (ROA) | 1.5200% | 907 |
| Pretax return on assets | 1.7803% | 921 |
| Return on Equity (ROE) | 10.2551% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.3451% | 757 |
| Net charge-offs to loans | 0.2223% | 1,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.0759% | 2,147 |
| Efficiency ratio | 67.9888% | 3,349 |
| Assets per employee ($millions) | 3.3729% | 4,970 |
| Cash dividends to net income (ytd only)* | 8.8731% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7092% | 280 |
| Loan loss allowance to noncurrent loans | 199.6979% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 2,872 |
| Noncurrent loans to loans | 1.3567% | 1,653 |
| Net loans and leases to total assets | 46.9166% | 5,073 |
| Net loans and leases to deposits | 63.5881% | 4,520 |
| Net loans and leases to core deposits | 64.2797% | 4,728 |
| Total domestic deposits to total assets | 73.7821% | 5,540 |
| Equity capital to assets | 15.0815% | 711 |
| Core capital (leverage) ratio | 13.3822% | 1,026 |
| Tier 1 risk-based capital ratio | 19.0868% | 1,674 |
| Total risk-based capital ratio | 20.3433% | 1,639 |
| Memoranda: | ||
| Average total assets | $148,289,000 | 3,585 |
| Average earning assets | $143,474,000 | 3,487 |
| Average equity | $21,979,330 | 3,016 |
| Average total loans | $71,065,670 | 4,064 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 1,747 |
| Cost of funding earning assets | 0.3504% | 3,593 |
| Net interest margin | 4.0691% | 1,424 |
| Noninterest income to average assets | 0.4067% | 3,774 |
| Noninterest expense to average assets | 3.0216% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1098% | 1,864 |
| Return on assets (ROA) | 1.7224% | 579 |
| Pretax return on assets | 2.0363% | 521 |
| Return on Equity (ROE) | 11.7267% | 1,395 |
| Retained earnings to average equity (ytd only) | 11.7267% | 545 |
| Net charge-offs to loans | 0.1314% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 20.9565% | 1,446 |
| Efficiency ratio | 69.6665% | 3,192 |
| Assets per employee ($millions) | 3.4386% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8458% | 258 |
| Loan loss allowance to noncurrent loans | 201.0848% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,928 |
| Noncurrent loans to loans | 1.4152% | 1,688 |
| Net loans and leases to total assets | 47.0790% | 5,041 |
| Net loans and leases to deposits | 60.8309% | 4,655 |
| Net loans and leases to core deposits | 62.8658% | 4,764 |
| Total domestic deposits to total assets | 77.3932% | 5,234 |
| Equity capital to assets | 14.8487% | 729 |
| Core capital (leverage) ratio | 13.9346% | 828 |
| Tier 1 risk-based capital ratio | 19.5703% | 1,597 |
| Total risk-based capital ratio | 20.8281% | 1,566 |
| Memoranda: | ||
| Average total assets | $146,542,500 | 3,627 |
| Average earning assets | $141,554,500 | 3,534 |
| Average equity | $21,523,500 | 3,062 |
| Average total loans | $70,001,500 | 4,114 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,534 |
| Cost of funding earning assets | 0.3696% | 3,492 |
| Net interest margin | 4.1501% | 1,281 |
| Noninterest income to average assets | 0.4401% | 3,746 |
| Noninterest expense to average assets | 3.2254% | 1,900 |
| Loan and lease loss provision to assets | 0.0697% | 2,886 |
| Net operating income to assets | 0.9366% | 2,674 |
| Return on assets (ROA) | 1.1640% | 1,763 |
| Pretax return on assets | 1.3564% | 2,081 |
| Return on Equity (ROE) | 8.1366% | 2,884 |
| Retained earnings to average equity (ytd only) | 6.0647% | 1,760 |
| Net charge-offs to loans | 0.1083% | 2,304 |
| Credit loss provision to net charge-offs | 136.9863% | 1,912 |
| Earnings coverage of net charge-offs (x) | 22.8219% | 1,755 |
| Efficiency ratio | 73.5177% | 2,653 |
| Assets per employee ($millions) | 3.3771% | 5,025 |
| Cash dividends to net income (ytd only)* | 25.4643% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0166% | 217 |
| Loan loss allowance to noncurrent loans | 268.8396% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5867% | 3,327 |
| Noncurrent loans to loans | 1.1221% | 2,098 |
| Net loans and leases to total assets | 45.6509% | 5,180 |
| Net loans and leases to deposits | 58.9461% | 4,854 |
| Net loans and leases to core deposits | 60.5340% | 4,946 |
| Total domestic deposits to total assets | 77.4452% | 5,250 |
| Equity capital to assets | 14.5164% | 767 |
| Core capital (leverage) ratio | 13.2892% | 1,046 |
| Tier 1 risk-based capital ratio | 19.2607% | 1,643 |
| Total risk-based capital ratio | 20.5193% | 1,598 |
| Memoranda: | ||
| Average total assets | $143,391,000 | 3,672 |
| Average earning assets | $136,381,200 | 3,588 |
| Average equity | $20,512,200 | 3,121 |
| Average total loans | $67,433,800 | 4,164 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 1,598 |
| Cost of funding earning assets | 0.3669% | 3,588 |
| Net interest margin | 4.1309% | 1,322 |
| Noninterest income to average assets | 0.4608% | 3,629 |
| Noninterest expense to average assets | 3.1025% | 2,214 |
| Loan and lease loss provision to assets | 0.0933% | 2,299 |
| Net operating income to assets | 1.0123% | 2,411 |
| Return on assets (ROA) | 1.2882% | 1,426 |
| Pretax return on assets | 1.5074% | 1,666 |
| Return on Equity (ROE) | 9.0391% | 2,554 |
| Retained earnings to average equity (ytd only) | 8.0573% | 1,225 |
| Net charge-offs to loans | 0.0734% | 2,509 |
| Credit loss provision to net charge-offs | 270.2703% | 1,068 |
| Earnings coverage of net charge-offs (x) | 36.9745% | 1,318 |
| Efficiency ratio | 70.8564% | 3,073 |
| Assets per employee ($millions) | 3.3543% | 5,050 |
| Cash dividends to net income (ytd only)* | 10.8620% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0264% | 234 |
| Loan loss allowance to noncurrent loans | 230.1866% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 3,179 |
| Noncurrent loans to loans | 1.3148% | 1,941 |
| Net loans and leases to total assets | 46.5861% | 5,186 |
| Net loans and leases to deposits | 60.5342% | 4,815 |
| Net loans and leases to core deposits | 62.1870% | 4,925 |
| Total domestic deposits to total assets | 76.9583% | 5,344 |
| Equity capital to assets | 14.4203% | 879 |
| Core capital (leverage) ratio | 13.7153% | 939 |
| Tier 1 risk-based capital ratio | 19.4572% | 1,672 |
| Total risk-based capital ratio | 20.7167% | 1,641 |
| Memoranda: | ||
| Average total assets | $142,935,000 | 3,702 |
| Average earning assets | $135,561,000 | 3,640 |
| Average equity | $20,370,250 | 3,166 |
| Average total loans | $67,203,750 | 4,199 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 1,605 |
| Cost of funding earning assets | 0.3569% | 3,737 |
| Net interest margin | 4.1211% | 1,300 |
| Noninterest income to average assets | 0.4337% | 3,829 |
| Noninterest expense to average assets | 3.1480% | 2,123 |
| Loan and lease loss provision to assets | 0.1403% | 1,552 |
| Net operating income to assets | 0.8806% | 2,985 |
| Return on assets (ROA) | 1.2898% | 1,416 |
| Pretax return on assets | 1.5158% | 1,600 |
| Return on Equity (ROE) | 9.0867% | 2,488 |
| Retained earnings to average equity (ytd only) | 7.6036% | 1,423 |
| Net charge-offs to loans | 0.0601% | 2,527 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 41.8500% | 1,098 |
| Efficiency ratio | 72.8247% | 2,876 |
| Assets per employee ($millions) | 3.2066% | 5,332 |
| Cash dividends to net income (ytd only)* | 16.3221% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0839% | 250 |
| Loan loss allowance to noncurrent loans | 223.1013% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7540% | 3,128 |
| Noncurrent loans to loans | 1.3823% | 1,953 |
| Net loans and leases to total assets | 46.0619% | 5,238 |
| Net loans and leases to deposits | 60.2724% | 4,827 |
| Net loans and leases to core deposits | 61.6705% | 4,969 |
| Total domestic deposits to total assets | 76.4229% | 5,541 |
| Equity capital to assets | 13.9816% | 984 |
| Core capital (leverage) ratio | 13.4713% | 993 |
| Tier 1 risk-based capital ratio | 18.8641% | 1,822 |
| Total risk-based capital ratio | 20.1231% | 1,787 |
| Memoranda: | ||
| Average total assets | $142,502,000 | 3,744 |
| Average earning assets | $134,480,000 | 3,689 |
| Average equity | $20,227,330 | 3,192 |
| Average total loans | $66,508,330 | 4,253 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,504 |
| Cost of funding earning assets | 0.3606% | 3,744 |
| Net interest margin | 4.1241% | 1,219 |
| Noninterest income to average assets | 0.4717% | 3,494 |
| Noninterest expense to average assets | 3.2457% | 1,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8845% | 2,822 |
| Return on assets (ROA) | 1.5169% | 864 |
| Pretax return on assets | 1.8417% | 811 |
| Return on Equity (ROE) | 10.6056% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.6056% | 794 |
| Net charge-offs to loans | -0.0794% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1963% | 2,635 |
| Assets per employee ($millions) | 3.1386% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1407% | 265 |
| Loan loss allowance to noncurrent loans | 226.0486% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 3,261 |
| Noncurrent loans to loans | 1.3894% | 2,066 |
| Net loans and leases to total assets | 44.7192% | 5,288 |
| Net loans and leases to deposits | 57.4647% | 4,954 |
| Net loans and leases to core deposits | 58.2598% | 5,109 |
| Total domestic deposits to total assets | 77.8203% | 5,485 |
| Equity capital to assets | 14.5776% | 810 |
| Core capital (leverage) ratio | 13.4630% | 985 |
| Tier 1 risk-based capital ratio | 20.1796% | 1,575 |
| Total risk-based capital ratio | 21.4406% | 1,544 |
| Memoranda: | ||
| Average total assets | $141,604,500 | 3,789 |
| Average earning assets | $132,005,500 | 3,749 |
| Average equity | $20,253,500 | 3,209 |
| Average total loans | $65,472,000 | 4,309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5632% | 1,657 |
| Cost of funding earning assets | 0.4188% | 3,492 |
| Net interest margin | 4.1444% | 1,450 |
| Noninterest income to average assets | 0.4353% | 3,929 |
| Noninterest expense to average assets | 3.0822% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1127% | 1,934 |
| Return on assets (ROA) | 1.1577% | 1,805 |
| Pretax return on assets | 1.3539% | 2,062 |
| Return on Equity (ROE) | 8.2991% | 2,968 |
| Retained earnings to average equity (ytd only) | 4.6158% | 2,895 |
| Net charge-offs to loans | 0.0542% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 52.6765% | 890 |
| Efficiency ratio | 70.3084% | 3,481 |
| Assets per employee ($millions) | 3.1549% | 5,502 |
| Cash dividends to net income (ytd only)* | 44.3817% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0957% | 267 |
| Loan loss allowance to noncurrent loans | 418.7243% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 4,372 |
| Noncurrent loans to loans | 0.7393% | 3,471 |
| Net loans and leases to total assets | 44.8687% | 5,414 |
| Net loans and leases to deposits | 57.9986% | 5,065 |
| Net loans and leases to core deposits | 58.8016% | 5,213 |
| Total domestic deposits to total assets | 77.3617% | 5,543 |
| Equity capital to assets | 14.0295% | 943 |
| Core capital (leverage) ratio | 13.2752% | 1,033 |
| Tier 1 risk-based capital ratio | 19.1193% | 1,811 |
| Total risk-based capital ratio | 20.3792% | 1,781 |
| Memoranda: | ||
| Average total assets | $137,597,800 | 3,847 |
| Average earning assets | $131,091,400 | 3,744 |
| Average equity | $19,194,800 | 3,261 |
| Average total loans | $62,739,400 | 4,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,790 |
| Cost of funding earning assets | 0.4226% | 3,548 |
| Net interest margin | 4.1002% | 1,573 |
| Noninterest income to average assets | 0.4473% | 3,910 |
| Noninterest expense to average assets | 3.1920% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0363% | 2,297 |
| Return on assets (ROA) | 1.0832% | 2,166 |
| Pretax return on assets | 1.2219% | 2,695 |
| Return on Equity (ROE) | 7.7765% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.7765% | 1,458 |
| Net charge-offs to loans | 0.0280% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 92.0923% | 628 |
| Efficiency ratio | 73.1915% | 2,957 |
| Assets per employee ($millions) | 3.3013% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2011% | 293 |
| Loan loss allowance to noncurrent loans | 394.6257% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 4,660 |
| Noncurrent loans to loans | 0.8112% | 3,551 |
| Net loans and leases to total assets | 44.8383% | 5,467 |
| Net loans and leases to deposits | 57.0381% | 5,171 |
| Net loans and leases to core deposits | 57.5476% | 5,360 |
| Total domestic deposits to total assets | 78.6111% | 5,414 |
| Equity capital to assets | 14.4761% | 854 |
| Core capital (leverage) ratio | 13.6046% | 964 |
| Tier 1 risk-based capital ratio | 19.8390% | 1,710 |
| Total risk-based capital ratio | 21.1004% | 1,677 |
| Memoranda: | ||
| Average total assets | $136,504,250 | 3,891 |
| Average earning assets | $130,299,250 | 3,782 |
| Average equity | $19,014,000 | 3,299 |
| Average total loans | $61,990,250 | 4,463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,872 |
| Cost of funding earning assets | 0.4332% | 3,512 |
| Net interest margin | 4.0534% | 1,651 |
| Noninterest income to average assets | 0.4581% | 3,805 |
| Noninterest expense to average assets | 3.2286% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0284% | 2,211 |
| Return on assets (ROA) | 0.9868% | 2,456 |
| Pretax return on assets | 1.0443% | 3,304 |
| Return on Equity (ROE) | 7.1806% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.1806% | 1,677 |
| Net charge-offs to loans | 0.0033% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 739.0000% | 90 |
| Efficiency ratio | 74.7868% | 2,842 |
| Assets per employee ($millions) | 3.2257% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3369% | 270 |
| Loan loss allowance to noncurrent loans | 308.6567% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 4,420 |
| Noncurrent loans to loans | 1.0811% | 3,067 |
| Net loans and leases to total assets | 43.1885% | 5,589 |
| Net loans and leases to deposits | 56.4598% | 5,158 |
| Net loans and leases to core deposits | 56.9780% | 5,350 |
| Total domestic deposits to total assets | 76.4942% | 5,858 |
| Equity capital to assets | 14.0427% | 953 |
| Core capital (leverage) ratio | 13.3502% | 1,033 |
| Tier 1 risk-based capital ratio | 19.8682% | 1,718 |
| Total risk-based capital ratio | 21.1302% | 1,681 |
| Memoranda: | ||
| Average total assets | $135,787,000 | 3,925 |
| Average earning assets | $129,272,670 | 3,824 |
| Average equity | $18,661,330 | 3,331 |
| Average total loans | $61,244,670 | 4,506 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 2,116 |
| Cost of funding earning assets | 0.4515% | 3,411 |
| Net interest margin | 3.9536% | 1,914 |
| Noninterest income to average assets | 0.5092% | 3,335 |
| Noninterest expense to average assets | 3.3173% | 1,906 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0214% | 2,122 |
| Return on assets (ROA) | 0.8487% | 2,973 |
| Pretax return on assets | 0.7742% | 4,207 |
| Return on Equity (ROE) | 6.2455% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.2455% | 2,410 |
| Net charge-offs to loans | -0.0197% | 5,346 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7933% | 2,502 |
| Assets per employee ($millions) | 3.1187% | 5,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5307% | 261 |
| Loan loss allowance to noncurrent loans | 210.9980% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 3,798 |
| Noncurrent loans to loans | 1.6733% | 2,319 |
| Net loans and leases to total assets | 42.2165% | 5,649 |
| Net loans and leases to deposits | 54.3795% | 5,248 |
| Net loans and leases to core deposits | 54.8878% | 5,444 |
| Total domestic deposits to total assets | 77.6330% | 5,883 |
| Equity capital to assets | 13.9414% | 938 |
| Core capital (leverage) ratio | 13.5167% | 969 |
| Tier 1 risk-based capital ratio | 20.6209% | 1,555 |
| Total risk-based capital ratio | 21.8845% | 1,521 |
| Memoranda: | ||
| Average total assets | $134,327,500 | 3,988 |
| Average earning assets | $127,578,500 | 3,899 |
| Average equity | $18,253,000 | 3,390 |
| Average total loans | $60,880,500 | 4,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6097% | 1,838 |
| Cost of funding earning assets | 0.5483% | 3,130 |
| Net interest margin | 4.0614% | 1,761 |
| Noninterest income to average assets | 0.4426% | 4,135 |
| Noninterest expense to average assets | 2.7831% | 3,784 |
| Loan and lease loss provision to assets | 0.1331% | 2,647 |
| Net operating income to assets | 1.0734% | 2,019 |
| Return on assets (ROA) | 1.0961% | 2,016 |
| Pretax return on assets | 1.4264% | 1,699 |
| Return on Equity (ROE) | 8.3066% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.6161% | 3,651 |
| Net charge-offs to loans | 0.4909% | 1,354 |
| Credit loss provision to net charge-offs | 58.3596% | 3,612 |
| Earnings coverage of net charge-offs (x) | 6.7066% | 3,002 |
| Efficiency ratio | 64.5253% | 4,813 |
| Assets per employee ($millions) | 3.2817% | 5,322 |
| Cash dividends to net income (ytd only)* | 56.4675% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2802% | 342 |
| Loan loss allowance to noncurrent loans | 257.3383% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.6444% | 4,301 |
| Noncurrent loans to loans | 1.2747% | 3,001 |
| Net loans and leases to total assets | 45.3404% | 5,547 |
| Net loans and leases to deposits | 60.6977% | 4,872 |
| Net loans and leases to core deposits | 60.6977% | 5,161 |
| Total domestic deposits to total assets | 74.6988% | 6,227 |
| Equity capital to assets | 13.2366% | 1,162 |
| Core capital (leverage) ratio | 12.7296% | 1,243 |
| Tier 1 risk-based capital ratio | 19.4575% | 1,803 |
| Total risk-based capital ratio | 20.7205% | 1,759 |
| Memoranda: | ||
| Average total assets | $138,947,600 | 3,900 |
| Average earning assets | $132,416,000 | 3,789 |
| Average equity | $18,334,800 | 3,363 |
| Average total loans | $64,579,000 | 4,458 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4721% | 2,337 |
| Cost of funding earning assets | 0.5585% | 3,174 |
| Net interest margin | 3.9136% | 2,224 |
| Noninterest income to average assets | 0.4617% | 4,065 |
| Noninterest expense to average assets | 2.7019% | 4,013 |
| Loan and lease loss provision to assets | 0.1761% | 2,065 |
| Net operating income to assets | 0.9975% | 2,386 |
| Return on assets (ROA) | 1.1025% | 2,073 |
| Pretax return on assets | 1.4576% | 1,736 |
| Return on Equity (ROE) | 8.3611% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.3864% | 1,690 |
| Net charge-offs to loans | 0.4167% | 1,543 |
| Credit loss provision to net charge-offs | 91.1330% | 2,609 |
| Earnings coverage of net charge-offs (x) | 7.7389% | 2,739 |
| Efficiency ratio | 64.3683% | 4,741 |
| Assets per employee ($millions) | 3.3835% | 5,098 |
| Cash dividends to net income (ytd only)* | 11.6583% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2668% | 424 |
| Loan loss allowance to noncurrent loans | 66.5752% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.4694% | 1,563 |
| Noncurrent loans to loans | 4.9070% | 623 |
| Net loans and leases to total assets | 47.7619% | 5,377 |
| Net loans and leases to deposits | 62.5024% | 4,691 |
| Net loans and leases to core deposits | 62.5024% | 5,063 |
| Total domestic deposits to total assets | 76.4161% | 6,119 |
| Equity capital to assets | 13.4353% | 1,144 |
| Core capital (leverage) ratio | 13.3280% | 1,087 |
| Tier 1 risk-based capital ratio | 18.9349% | 2,010 |
| Total risk-based capital ratio | 20.1980% | 1,963 |
| Memoranda: | ||
| Average total assets | $140,046,750 | 3,912 |
| Average earning assets | $133,686,000 | 3,799 |
| Average equity | $18,466,000 | 3,379 |
| Average total loans | $64,955,000 | 4,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3765% | 2,650 |
| Cost of funding earning assets | 0.5670% | 3,246 |
| Net interest margin | 3.8095% | 2,518 |
| Noninterest income to average assets | 0.4731% | 4,008 |
| Noninterest expense to average assets | 2.6240% | 4,303 |
| Loan and lease loss provision to assets | 0.0494% | 3,994 |
| Net operating income to assets | 1.1341% | 1,796 |
| Return on assets (ROA) | 1.3205% | 1,351 |
| Pretax return on assets | 1.6792% | 1,159 |
| Return on Equity (ROE) | 10.0753% | 2,169 |
| Retained earnings to average equity (ytd only) | 8.6205% | 1,252 |
| Net charge-offs to loans | 0.3358% | 1,843 |
| Credit loss provision to net charge-offs | 32.4074% | 3,548 |
| Earnings coverage of net charge-offs (x) | 9.7870% | 2,238 |
| Efficiency ratio | 63.7393% | 4,905 |
| Assets per employee ($millions) | 3.2584% | 5,360 |
| Cash dividends to net income (ytd only)* | 14.4385% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2885% | 439 |
| Loan loss allowance to noncurrent loans | 60.5233% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.5544% | 1,645 |
| Noncurrent loans to loans | 5.4335% | 566 |
| Net loans and leases to total assets | 44.6660% | 5,674 |
| Net loans and leases to deposits | 60.3817% | 4,931 |
| Net loans and leases to core deposits | 60.3817% | 5,230 |
| Total domestic deposits to total assets | 73.9728% | 6,447 |
| Equity capital to assets | 12.8784% | 1,393 |
| Core capital (leverage) ratio | 12.4238% | 1,400 |
| Tier 1 risk-based capital ratio | 18.7146% | 2,075 |
| Total risk-based capital ratio | 19.9766% | 2,042 |
| Memoranda: | ||
| Average total assets | $141,616,330 | 3,916 |
| Average earning assets | $135,449,330 | 3,799 |
| Average equity | $18,560,330 | 3,390 |
| Average total loans | $64,332,330 | 4,525 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3313% | 2,761 |
| Cost of funding earning assets | 0.5990% | 3,116 |
| Net interest margin | 3.7323% | 2,726 |
| Noninterest income to average assets | 0.4523% | 4,109 |
| Noninterest expense to average assets | 2.6635% | 4,203 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0946% | 1,878 |
| Return on assets (ROA) | 1.3374% | 1,281 |
| Pretax return on assets | 1.6633% | 1,162 |
| Return on Equity (ROE) | 10.1177% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.1177% | 1,079 |
| Net charge-offs to loans | 0.8044% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.7519% | 2,685 |
| Efficiency ratio | 66.2011% | 4,630 |
| Assets per employee ($millions) | 3.4775% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3626% | 472 |
| Loan loss allowance to noncurrent loans | 58.2677% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 2.5390% | 1,808 |
| Noncurrent loans to loans | 5.7709% | 596 |
| Net loans and leases to total assets | 41.7648% | 5,862 |
| Net loans and leases to deposits | 54.1735% | 5,421 |
| Net loans and leases to core deposits | 54.1735% | 5,653 |
| Total domestic deposits to total assets | 77.0945% | 6,244 |
| Equity capital to assets | 13.2525% | 1,320 |
| Core capital (leverage) ratio | 12.3226% | 1,417 |
| Tier 1 risk-based capital ratio | 18.7423% | 2,111 |
| Total risk-based capital ratio | 20.0038% | 2,087 |
| Memoranda: | ||
| Average total assets | $142,369,000 | 3,942 |
| Average earning assets | $136,216,500 | 3,822 |
| Average equity | $18,818,500 | 3,399 |
| Average total loans | $64,143,500 | 4,563 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9499% | 1,688 |
| Cost of funding earning assets | 0.8369% | 2,380 |
| Net interest margin | 4.1130% | 1,950 |
| Noninterest income to average assets | 0.2976% | 5,334 |
| Noninterest expense to average assets | 2.9465% | 3,479 |
| Loan and lease loss provision to assets | 0.1463% | 3,774 |
| Net operating income to assets | 0.7427% | 3,542 |
| Return on assets (ROA) | 1.3822% | 1,243 |
| Pretax return on assets | 2.0843% | 504 |
| Return on Equity (ROE) | 10.2075% | 2,085 |
| Retained earnings to average equity (ytd only) | 3.4457% | 3,803 |
| Net charge-offs to loans | -0.2605% | 6,959 |
| Credit loss provision to net charge-offs | -111.1111% | 6,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0209% | 3,812 |
| Assets per employee ($millions) | 3.3848% | 5,245 |
| Cash dividends to net income (ytd only)* | 66.2434% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3014% | 506 |
| Loan loss allowance to noncurrent loans | 173.0346% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 4,031 |
| Noncurrent loans to loans | 1.9080% | 2,796 |
| Net loans and leases to total assets | 45.3479% | 5,684 |
| Net loans and leases to deposits | 61.6844% | 4,818 |
| Net loans and leases to core deposits | 61.6844% | 5,190 |
| Total domestic deposits to total assets | 73.5159% | 6,579 |
| Equity capital to assets | 13.1836% | 1,362 |
| Core capital (leverage) ratio | 11.9032% | 1,620 |
| Tier 1 risk-based capital ratio | 18.7498% | 2,028 |
| Total risk-based capital ratio | 20.0140% | 1,987 |
| Memoranda: | ||
| Average total assets | $136,739,200 | 4,010 |
| Average earning assets | $130,002,600 | 3,896 |
| Average equity | $18,515,800 | 3,401 |
| Average total loans | $69,094,400 | 4,384 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 1,570 |
| Cost of funding earning assets | 0.8722% | 2,375 |
| Net interest margin | 4.1729% | 1,819 |
| Noninterest income to average assets | 0.2423% | 5,811 |
| Noninterest expense to average assets | 2.9338% | 3,466 |
| Loan and lease loss provision to assets | 0.0492% | 5,150 |
| Net operating income to assets | 0.8004% | 3,453 |
| Return on assets (ROA) | 1.6141% | 904 |
| Pretax return on assets | 2.4503% | 321 |
| Return on Equity (ROE) | 11.8384% | 1,685 |
| Retained earnings to average equity (ytd only) | 7.7502% | 1,728 |
| Net charge-offs to loans | -0.3539% | 7,070 |
| Credit loss provision to net charge-offs | -27.0270% | 6,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8476% | 3,717 |
| Assets per employee ($millions) | 4.1832% | 3,512 |
| Cash dividends to net income (ytd only)* | 34.5333% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9033% | 799 |
| Loan loss allowance to noncurrent loans | 159.6273% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 3,823 |
| Noncurrent loans to loans | 1.8188% | 3,049 |
| Net loans and leases to total assets | 49.8098% | 5,332 |
| Net loans and leases to deposits | 70.2223% | 3,866 |
| Net loans and leases to core deposits | 70.7163% | 4,407 |
| Total domestic deposits to total assets | 70.9316% | 6,798 |
| Equity capital to assets | 13.8938% | 1,198 |
| Core capital (leverage) ratio | 12.5131% | 1,402 |
| Tier 1 risk-based capital ratio | 21.3388% | 1,447 |
| Total risk-based capital ratio | 22.6043% | 1,415 |
| Memoranda: | ||
| Average total assets | $135,383,750 | 4,071 |
| Average earning assets | $128,412,000 | 3,972 |
| Average equity | $18,459,250 | 3,439 |
| Average total loans | $69,701,000 | 4,406 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 1,516 |
| Cost of funding earning assets | 0.8972% | 2,424 |
| Net interest margin | 4.1981% | 1,755 |
| Noninterest income to average assets | 0.1651% | 6,350 |
| Noninterest expense to average assets | 3.0157% | 3,201 |
| Loan and lease loss provision to assets | -0.1487% | 7,132 |
| Net operating income to assets | 0.8448% | 3,170 |
| Return on assets (ROA) | 1.8053% | 624 |
| Pretax return on assets | 2.6975% | 222 |
| Return on Equity (ROE) | 13.3267% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.1135% | 2,039 |
| Net charge-offs to loans | -0.5510% | 7,140 |
| Credit loss provision to net charge-offs | 52.3560% | 3,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0022% | 3,240 |
| Assets per employee ($millions) | 3.3336% | 5,373 |
| Cash dividends to net income (ytd only)* | 46.6227% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7212% | 1,011 |
| Loan loss allowance to noncurrent loans | 156.9787% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 4,023 |
| Noncurrent loans to loans | 1.7335% | 3,300 |
| Net loans and leases to total assets | 50.0080% | 5,355 |
| Net loans and leases to deposits | 71.1127% | 3,752 |
| Net loans and leases to core deposits | 71.5572% | 4,346 |
| Total domestic deposits to total assets | 70.3222% | 6,892 |
| Equity capital to assets | 13.5947% | 1,267 |
| Core capital (leverage) ratio | 12.2185% | 1,490 |
| Tier 1 risk-based capital ratio | 18.3363% | 2,185 |
| Total risk-based capital ratio | 19.5967% | 2,146 |
| Memoranda: | ||
| Average total assets | $134,496,000 | 4,106 |
| Average earning assets | $127,056,330 | 4,014 |
| Average equity | $18,219,000 | 3,466 |
| Average total loans | $69,329,000 | 4,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 1,336 |
| Cost of funding earning assets | 0.9099% | 2,612 |
| Net interest margin | 4.2813% | 1,530 |
| Noninterest income to average assets | 0.0090% | 7,074 |
| Noninterest expense to average assets | 3.1783% | 2,673 |
| Loan and lease loss provision to assets | -0.2998% | 7,233 |
| Net operating income to assets | 0.7515% | 3,616 |
| Return on assets (ROA) | 2.5726% | 194 |
| Pretax return on assets | 3.9969% | 89 |
| Return on Equity (ROE) | 19.0265% | 453 |
| Retained earnings to average equity (ytd only) | 13.1278% | 667 |
| Net charge-offs to loans | -1.7891% | 7,247 |
| Credit loss provision to net charge-offs | 32.4675% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8690% | 2,369 |
| Assets per employee ($millions) | 3.5376% | 5,034 |
| Cash dividends to net income (ytd only)* | 31.0023% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0388% | 804 |
| Loan loss allowance to noncurrent loans | 166.5846% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 3,908 |
| Noncurrent loans to loans | 1.8242% | 3,375 |
| Net loans and leases to total assets | 48.1600% | 5,536 |
| Net loans and leases to deposits | 68.3452% | 4,002 |
| Net loans and leases to core deposits | 68.7765% | 4,593 |
| Total domestic deposits to total assets | 70.4658% | 6,958 |
| Equity capital to assets | 13.5494% | 1,219 |
| Core capital (leverage) ratio | 12.8835% | 1,169 |
| Tier 1 risk-based capital ratio | 19.5426% | 1,829 |
| Total risk-based capital ratio | 20.8054% | 1,801 |
| Memoranda: | ||
| Average total assets | $133,405,000 | 4,157 |
| Average earning assets | $125,289,500 | 4,078 |
| Average equity | $18,038,000 | 3,496 |
| Average total loans | $68,862,500 | 4,486 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 1,287 |
| Cost of funding earning assets | 1.0528% | 2,998 |
| Net interest margin | 4.3993% | 1,400 |
| Noninterest income to average assets | 0.4118% | 4,520 |
| Noninterest expense to average assets | 2.8836% | 4,027 |
| Loan and lease loss provision to assets | 0.1946% | 4,235 |
| Net operating income to assets | 1.0503% | 2,003 |
| Return on assets (ROA) | 1.2507% | 1,477 |
| Pretax return on assets | 1.7798% | 844 |
| Return on Equity (ROE) | 9.8994% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.6935% | 1,645 |
| Net charge-offs to loans | 0.2124% | 4,458 |
| Credit loss provision to net charge-offs | 173.6486% | 1,520 |
| Earnings coverage of net charge-offs (x) | 15.0676% | 1,418 |
| Efficiency ratio | 63.0734% | 5,283 |
| Assets per employee ($millions) | 3.3096% | 5,490 |
| Cash dividends to net income (ytd only)* | 32.3850% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5664% | 1,227 |
| Loan loss allowance to noncurrent loans | 236.1868% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 4,311 |
| Noncurrent loans to loans | 1.0866% | 4,541 |
| Net loans and leases to total assets | 52.2235% | 5,276 |
| Net loans and leases to deposits | 75.7445% | 3,214 |
| Net loans and leases to core deposits | 76.2406% | 3,951 |
| Total domestic deposits to total assets | 68.9469% | 7,037 |
| Equity capital to assets | 13.4927% | 1,267 |
| Core capital (leverage) ratio | 12.3618% | 1,409 |
| Tier 1 risk-based capital ratio | 18.1924% | 2,134 |
| Total risk-based capital ratio | 19.4522% | 2,099 |
| Memoranda: | ||
| Average total assets | $132,089,800 | 4,127 |
| Average earning assets | $124,906,800 | 4,036 |
| Average equity | $16,687,800 | 3,626 |
| Average total loans | $69,666,000 | 4,504 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 1,352 |
| Cost of funding earning assets | 1.0895% | 3,048 |
| Net interest margin | 4.3762% | 1,472 |
| Noninterest income to average assets | 0.4535% | 4,270 |
| Noninterest expense to average assets | 2.7158% | 4,671 |
| Loan and lease loss provision to assets | 0.4615% | 2,148 |
| Net operating income to assets | 0.9681% | 2,444 |
| Return on assets (ROA) | 1.1847% | 1,815 |
| Pretax return on assets | 1.7573% | 1,026 |
| Return on Equity (ROE) | 9.5397% | 2,371 |
| Retained earnings to average equity (ytd only) | 8.4418% | 1,341 |
| Net charge-offs to loans | 0.5730% | 2,527 |
| Credit loss provision to net charge-offs | 153.3557% | 2,027 |
| Earnings coverage of net charge-offs (x) | 6.2987% | 2,577 |
| Efficiency ratio | 58.8918% | 5,881 |
| Assets per employee ($millions) | 3.1609% | 5,763 |
| Cash dividends to net income (ytd only)* | 11.5092% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6333% | 1,226 |
| Loan loss allowance to noncurrent loans | 115.3514% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 3,853 |
| Noncurrent loans to loans | 2.2829% | 3,019 |
| Net loans and leases to total assets | 53.3817% | 5,263 |
| Net loans and leases to deposits | 78.0451% | 2,978 |
| Net loans and leases to core deposits | 81.8844% | 3,346 |
| Total domestic deposits to total assets | 68.3985% | 7,122 |
| Equity capital to assets | 13.6016% | 1,324 |
| Core capital (leverage) ratio | 12.6569% | 1,369 |
| Tier 1 risk-based capital ratio | 18.4491% | 2,102 |
| Total risk-based capital ratio | 19.7092% | 2,067 |
| Memoranda: | ||
| Average total assets | $132,016,500 | 4,152 |
| Average earning assets | $125,433,500 | 4,054 |
| Average equity | $16,394,250 | 3,677 |
| Average total loans | $69,343,500 | 4,554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4629% | 1,381 |
| Cost of funding earning assets | 1.1347% | 3,010 |
| Net interest margin | 4.3282% | 1,573 |
| Noninterest income to average assets | 0.4367% | 4,370 |
| Noninterest expense to average assets | 2.7149% | 4,760 |
| Loan and lease loss provision to assets | 0.3418% | 2,736 |
| Net operating income to assets | 1.0317% | 2,100 |
| Return on assets (ROA) | 1.0691% | 2,062 |
| Pretax return on assets | 1.5464% | 1,384 |
| Return on Equity (ROE) | 8.8843% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.1950% | 1,789 |
| Net charge-offs to loans | 0.7270% | 2,056 |
| Credit loss provision to net charge-offs | 90.8000% | 3,435 |
| Earnings coverage of net charge-offs (x) | 4.8720% | 2,745 |
| Efficiency ratio | 59.6822% | 5,923 |
| Assets per employee ($millions) | 3.2789% | 5,463 |
| Cash dividends to net income (ytd only)* | 19.0141% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3999% | 1,591 |
| Loan loss allowance to noncurrent loans | 130.1233% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2428% | 4,413 |
| Noncurrent loans to loans | 1.8443% | 3,689 |
| Net loans and leases to total assets | 52.3720% | 5,519 |
| Net loans and leases to deposits | 76.6635% | 3,350 |
| Net loans and leases to core deposits | 77.4449% | 4,129 |
| Total domestic deposits to total assets | 68.3141% | 7,175 |
| Equity capital to assets | 12.7611% | 1,645 |
| Core capital (leverage) ratio | 11.7190% | 1,770 |
| Tier 1 risk-based capital ratio | 17.7977% | 2,240 |
| Total risk-based capital ratio | 19.0555% | 2,193 |
| Memoranda: | ||
| Average total assets | $132,823,670 | 4,165 |
| Average earning assets | $126,196,330 | 4,066 |
| Average equity | $15,983,330 | 3,739 |
| Average total loans | $68,774,330 | 4,623 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 1,523 |
| Cost of funding earning assets | 1.1345% | 3,268 |
| Net interest margin | 4.2763% | 1,640 |
| Noninterest income to average assets | 0.6225% | 3,025 |
| Noninterest expense to average assets | 2.6964% | 4,849 |
| Loan and lease loss provision to assets | 0.3950% | 2,220 |
| Net operating income to assets | 1.1285% | 1,741 |
| Return on assets (ROA) | 1.0923% | 1,909 |
| Pretax return on assets | 1.5413% | 1,322 |
| Return on Equity (ROE) | 9.3551% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.3551% | 1,274 |
| Net charge-offs to loans | -0.0353% | 6,761 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5719% | 6,317 |
| Assets per employee ($millions) | 3.3733% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7098% | 1,198 |
| Loan loss allowance to noncurrent loans | 96.1039% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,630 |
| Noncurrent loans to loans | 2.8197% | 2,676 |
| Net loans and leases to total assets | 50.4865% | 5,785 |
| Net loans and leases to deposits | 71.1737% | 4,172 |
| Net loans and leases to core deposits | 72.3159% | 4,746 |
| Total domestic deposits to total assets | 70.9342% | 7,138 |
| Equity capital to assets | 12.0569% | 1,884 |
| Core capital (leverage) ratio | 11.4147% | 1,900 |
| Tier 1 risk-based capital ratio | 17.7461% | 2,202 |
| Total risk-based capital ratio | 19.0068% | 2,163 |
| Memoranda: | ||
| Average total assets | $133,657,500 | 4,180 |
| Average earning assets | $126,933,000 | 4,087 |
| Average equity | $15,606,500 | 3,795 |
| Average total loans | $67,972,500 | 4,687 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 3,304 |
| Cost of funding earning assets | 1.2954% | 3,913 |
| Net interest margin | 3.9676% | 3,166 |
| Noninterest income to average assets | 0.4587% | 4,451 |
| Noninterest expense to average assets | 2.7298% | 4,854 |
| Loan and lease loss provision to assets | 1.1198% | 1,423 |
| Net operating income to assets | 0.2935% | 4,958 |
| Return on assets (ROA) | 0.4632% | 4,426 |
| Pretax return on assets | 0.6231% | 4,248 |
| Return on Equity (ROE) | 3.9897% | 4,532 |
| Retained earnings to average equity (ytd only) | 0.4698% | 5,345 |
| Net charge-offs to loans | 1.3950% | 1,596 |
| Credit loss provision to net charge-offs | 159.2986% | 2,202 |
| Earnings coverage of net charge-offs (x) | 2.1530% | 4,102 |
| Efficiency ratio | 64.3310% | 5,295 |
| Assets per employee ($millions) | 3.4809% | 4,982 |
| Cash dividends to net income (ytd only)* | 88.2258% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5297% | 1,376 |
| Loan loss allowance to noncurrent loans | 106.2035% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.5005% | 4,065 |
| Noncurrent loans to loans | 2.3820% | 3,137 |
| Net loans and leases to total assets | 48.5897% | 6,324 |
| Net loans and leases to deposits | 67.3518% | 5,189 |
| Net loans and leases to core deposits | 74.5134% | 4,908 |
| Total domestic deposits to total assets | 72.1432% | 7,071 |
| Equity capital to assets | 11.3079% | 2,404 |
| Core capital (leverage) ratio | 10.8629% | 2,260 |
| Tier 1 risk-based capital ratio | 17.2612% | 2,241 |
| Total risk-based capital ratio | 18.5200% | 2,209 |
| Memoranda: | ||
| Average total assets | $133,857,600 | 4,183 |
| Average earning assets | $127,684,000 | 4,073 |
| Average equity | $15,540,000 | 3,857 |
| Average total loans | $67,456,400 | 4,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 3,440 |
| Cost of funding earning assets | 1.3203% | 4,112 |
| Net interest margin | 3.9619% | 3,283 |
| Noninterest income to average assets | 0.5038% | 4,154 |
| Noninterest expense to average assets | 2.7719% | 4,594 |
| Loan and lease loss provision to assets | 1.4644% | 918 |
| Net operating income to assets | 0.0475% | 5,890 |
| Return on assets (ROA) | 0.2719% | 5,436 |
| Pretax return on assets | 0.3109% | 5,476 |
| Return on Equity (ROE) | 2.3266% | 5,487 |
| Retained earnings to average equity (ytd only) | 0.9409% | 5,428 |
| Net charge-offs to loans | 1.7427% | 1,116 |
| Credit loss provision to net charge-offs | 166.2883% | 2,248 |
| Earnings coverage of net charge-offs (x) | 1.7230% | 4,414 |
| Efficiency ratio | 64.6236% | 5,123 |
| Assets per employee ($millions) | 3.2432% | 5,590 |
| Cash dividends to net income (ytd only)* | 59.5572% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5470% | 1,274 |
| Loan loss allowance to noncurrent loans | 103.0231% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 4,019 |
| Noncurrent loans to loans | 2.4722% | 3,151 |
| Net loans and leases to total assets | 50.0113% | 6,324 |
| Net loans and leases to deposits | 70.3235% | 5,101 |
| Net loans and leases to core deposits | 78.9364% | 4,677 |
| Total domestic deposits to total assets | 71.1160% | 7,205 |
| Equity capital to assets | 12.2426% | 2,012 |
| Core capital (leverage) ratio | 11.7027% | 1,818 |
| Tier 1 risk-based capital ratio | 18.3827% | 1,907 |
| Total risk-based capital ratio | 19.6423% | 1,865 |
| Memoranda: | ||
| Average total assets | $133,383,250 | 4,242 |
| Average earning assets | $127,444,500 | 4,121 |
| Average equity | $15,587,250 | 3,880 |
| Average total loans | $67,401,750 | 4,848 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 3,332 |
| Cost of funding earning assets | 1.3366% | 4,284 |
| Net interest margin | 3.9909% | 3,063 |
| Noninterest income to average assets | 0.4898% | 4,197 |
| Noninterest expense to average assets | 2.8085% | 4,446 |
| Loan and lease loss provision to assets | 2.0446% | 603 |
| Net operating income to assets | -0.5482% | 6,695 |
| Return on assets (ROA) | -0.2292% | 6,433 |
| Pretax return on assets | -0.2292% | 6,361 |
| Return on Equity (ROE) | -1.9926% | 6,418 |
| Retained earnings to average equity (ytd only) | -4.1025% | 6,454 |
| Net charge-offs to loans | 2.4790% | 701 |
| Credit loss provision to net charge-offs | 164.0625% | 2,404 |
| Earnings coverage of net charge-offs (x) | 1.2007% | 4,600 |
| Efficiency ratio | 65.2401% | 5,115 |
| Assets per employee ($millions) | 3.2860% | 5,463 |
| Cash dividends to net income (ytd only)* | -105.8824% | 7,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 1,316 |
| Loan loss allowance to noncurrent loans | 158.1068% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 1.2059% | 4,728 |
| Noncurrent loans to loans | 1.5756% | 4,347 |
| Net loans and leases to total assets | 50.2400% | 6,406 |
| Net loans and leases to deposits | 70.2186% | 5,241 |
| Net loans and leases to core deposits | 74.8128% | 5,346 |
| Total domestic deposits to total assets | 71.5480% | 7,219 |
| Equity capital to assets | 11.8176% | 2,210 |
| Core capital (leverage) ratio | 10.7660% | 2,422 |
| Tier 1 risk-based capital ratio | 17.7490% | 2,016 |
| Total risk-based capital ratio | 19.0081% | 1,985 |
| Memoranda: | ||
| Average total assets | $133,521,000 | 4,270 |
| Average earning assets | $127,641,330 | 4,145 |
| Average equity | $15,356,670 | 3,922 |
| Average total loans | $67,123,000 | 4,898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 4,143 |
| Cost of funding earning assets | 1.3360% | 4,587 |
| Net interest margin | 3.8428% | 3,611 |
| Noninterest income to average assets | 0.5380% | 3,746 |
| Noninterest expense to average assets | 2.9518% | 3,850 |
| Loan and lease loss provision to assets | 3.5225% | 266 |
| Net operating income to assets | -2.2681% | 7,516 |
| Return on assets (ROA) | -1.9471% | 7,452 |
| Pretax return on assets | -1.9471% | 7,398 |
| Return on Equity (ROE) | -17.1595% | 7,375 |
| Retained earnings to average equity (ytd only) | -17.1595% | 7,285 |
| Net charge-offs to loans | 5.1778% | 228 |
| Credit loss provision to net charge-offs | 136.9942% | 2,574 |
| Earnings coverage of net charge-offs (x) | 0.4879% | 4,591 |
| Efficiency ratio | 70.1767% | 4,268 |
| Assets per employee ($millions) | 3.5004% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2099% | 1,729 |
| Loan loss allowance to noncurrent loans | 233.9683% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 5,324 |
| Noncurrent loans to loans | 0.9445% | 5,440 |
| Net loans and leases to total assets | 46.5847% | 6,783 |
| Net loans and leases to deposits | 64.6993% | 5,971 |
| Net loans and leases to core deposits | 69.8643% | 5,933 |
| Total domestic deposits to total assets | 72.0018% | 7,265 |
| Equity capital to assets | 10.6352% | 3,113 |
| Core capital (leverage) ratio | 10.6677% | 2,476 |
| Tier 1 risk-based capital ratio | 17.5279% | 2,072 |
| Total risk-based capital ratio | 18.7839% | 2,040 |
| Memoranda: | ||
| Average total assets | $134,562,000 | 4,314 |
| Average earning assets | $128,446,500 | 4,184 |
| Average equity | $15,268,500 | 3,968 |
| Average total loans | $66,823,500 | 4,975 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7212% | 3,001 |
| Cost of funding earning assets | 1.6603% | 4,730 |
| Net interest margin | 4.0608% | 2,602 |
| Noninterest income to average assets | 0.3449% | 5,621 |
| Noninterest expense to average assets | 2.7457% | 5,175 |
| Loan and lease loss provision to assets | 1.0909% | 2,093 |
| Net operating income to assets | 0.2771% | 4,618 |
| Return on assets (ROA) | 0.7698% | 2,729 |
| Pretax return on assets | 1.0302% | 2,492 |
| Return on Equity (ROE) | 6.4137% | 3,028 |
| Retained earnings to average equity (ytd only) | 2.2531% | 3,535 |
| Net charge-offs to loans | 2.0356% | 1,207 |
| Credit loss provision to net charge-offs | 104.8744% | 5,275 |
| Earnings coverage of net charge-offs (x) | 1.4077% | 4,718 |
| Efficiency ratio | 65.2190% | 5,549 |
| Assets per employee ($millions) | 3.1490% | 5,863 |
| Cash dividends to net income (ytd only)* | 64.8703% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 2,816 |
| Loan loss allowance to noncurrent loans | 71.9451% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.6916% | 3,829 |
| Noncurrent loans to loans | 2.3959% | 3,166 |
| Net loans and leases to total assets | 50.9597% | 6,534 |
| Net loans and leases to deposits | 75.7443% | 4,786 |
| Net loans and leases to core deposits | 86.2814% | 5,493 |
| Total domestic deposits to total assets | 67.2786% | 7,591 |
| Equity capital to assets | 12.1185% | 1,961 |
| Core capital (leverage) ratio | 11.3708% | 1,992 |
| Tier 1 risk-based capital ratio | 17.6103% | 1,993 |
| Total risk-based capital ratio | 18.8619% | 1,954 |
| Memoranda: | ||
| Average total assets | $130,166,400 | 4,335 |
| Average earning assets | $123,890,400 | 4,220 |
| Average equity | $15,622,800 | 3,942 |
| Average total loans | $66,515,400 | 5,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 3,400 |
| Cost of funding earning assets | 1.6950% | 4,923 |
| Net interest margin | 3.9933% | 2,852 |
| Noninterest income to average assets | 0.3281% | 5,859 |
| Noninterest expense to average assets | 2.7242% | 5,222 |
| Loan and lease loss provision to assets | 0.8382% | 2,285 |
| Net operating income to assets | 0.4117% | 4,356 |
| Return on assets (ROA) | 0.9609% | 2,255 |
| Pretax return on assets | 1.3207% | 1,906 |
| Return on Equity (ROE) | 8.0252% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.0252% | 1,127 |
| Net charge-offs to loans | 1.6203% | 1,259 |
| Credit loss provision to net charge-offs | 101.6109% | 5,009 |
| Earnings coverage of net charge-offs (x) | 1.7051% | 4,516 |
| Efficiency ratio | 65.9490% | 5,372 |
| Assets per employee ($millions) | 3.1691% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6381% | 2,855 |
| Loan loss allowance to noncurrent loans | 87.8691% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6739% | 3,863 |
| Noncurrent loans to loans | 1.8642% | 3,820 |
| Net loans and leases to total assets | 50.8812% | 6,708 |
| Net loans and leases to deposits | 74.7730% | 5,252 |
| Net loans and leases to core deposits | 87.7015% | 5,672 |
| Total domestic deposits to total assets | 68.0476% | 7,569 |
| Equity capital to assets | 12.6056% | 1,880 |
| Core capital (leverage) ratio | 11.6689% | 1,982 |
| Tier 1 risk-based capital ratio | 18.8146% | 1,791 |
| Total risk-based capital ratio | 20.0654% | 1,751 |
| Memoranda: | ||
| Average total assets | $130,431,000 | 4,366 |
| Average earning assets | $124,205,750 | 4,239 |
| Average equity | $15,617,000 | 3,981 |
| Average total loans | $66,407,500 | 5,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6194% | 3,971 |
| Cost of funding earning assets | 1.7185% | 5,182 |
| Net interest margin | 3.9009% | 3,111 |
| Noninterest income to average assets | 0.3446% | 5,749 |
| Noninterest expense to average assets | 2.7106% | 5,346 |
| Loan and lease loss provision to assets | 0.4901% | 3,082 |
| Net operating income to assets | 0.6084% | 3,643 |
| Return on assets (ROA) | 0.9679% | 2,320 |
| Pretax return on assets | 1.3523% | 1,866 |
| Return on Equity (ROE) | 8.2276% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.2276% | 1,142 |
| Net charge-offs to loans | 1.2549% | 1,470 |
| Credit loss provision to net charge-offs | 77.1084% | 5,278 |
| Earnings coverage of net charge-offs (x) | 2.1133% | 4,015 |
| Efficiency ratio | 66.8682% | 5,391 |
| Assets per employee ($millions) | 3.5336% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,192 |
| Loan loss allowance to noncurrent loans | 65.7616% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6689% | 3,693 |
| Noncurrent loans to loans | 2.2819% | 3,157 |
| Net loans and leases to total assets | 47.2963% | 7,097 |
| Net loans and leases to deposits | 68.0738% | 6,180 |
| Net loans and leases to core deposits | 76.0081% | 6,673 |
| Total domestic deposits to total assets | 69.4780% | 7,515 |
| Equity capital to assets | 11.5128% | 2,531 |
| Core capital (leverage) ratio | 11.8290% | 1,904 |
| Tier 1 risk-based capital ratio | 18.3556% | 1,912 |
| Total risk-based capital ratio | 19.5302% | 1,890 |
| Memoranda: | ||
| Average total assets | $130,596,670 | 4,377 |
| Average earning assets | $124,176,000 | 4,265 |
| Average equity | $15,363,000 | 4,046 |
| Average total loans | $66,139,000 | 5,106 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7316% | 3,634 |
| Cost of funding earning assets | 1.7820% | 5,196 |
| Net interest margin | 3.9496% | 2,852 |
| Noninterest income to average assets | 0.4095% | 5,139 |
| Noninterest expense to average assets | 2.6994% | 5,008 |
| Loan and lease loss provision to assets | 0.3780% | 3,055 |
| Net operating income to assets | 0.7582% | 3,308 |
| Return on assets (ROA) | 1.3292% | 1,415 |
| Pretax return on assets | 1.8899% | 816 |
| Return on Equity (ROE) | 11.1703% | 1,920 |
| Retained earnings to average equity (ytd only) | 11.1703% | 937 |
| Net charge-offs to loans | 1.5849% | 914 |
| Credit loss provision to net charge-offs | 45.8015% | 4,741 |
| Earnings coverage of net charge-offs (x) | 1.7595% | 3,854 |
| Efficiency ratio | 65.0228% | 5,502 |
| Assets per employee ($millions) | 3.2969% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 3,258 |
| Loan loss allowance to noncurrent loans | 37.4061% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 2.8887% | 1,973 |
| Noncurrent loans to loans | 3.8643% | 1,585 |
| Net loans and leases to total assets | 51.4839% | 6,734 |
| Net loans and leases to deposits | 76.1358% | 5,204 |
| Net loans and leases to core deposits | 85.4225% | 5,956 |
| Total domestic deposits to total assets | 67.6210% | 7,618 |
| Equity capital to assets | 12.3713% | 2,047 |
| Core capital (leverage) ratio | 11.9706% | 1,914 |
| Tier 1 risk-based capital ratio | 18.4621% | 1,944 |
| Total risk-based capital ratio | 19.6303% | 1,921 |
| Memoranda: | ||
| Average total assets | $126,989,000 | 4,466 |
| Average earning assets | $120,316,000 | 4,377 |
| Average equity | $15,111,500 | 4,118 |
| Average total loans | $66,122,000 | 5,128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4993% | 2,964 |
| Cost of funding earning assets | 2.1800% | 5,681 |
| Net interest margin | 4.3192% | 1,921 |
| Noninterest income to average assets | 0.5594% | 4,167 |
| Noninterest expense to average assets | 2.7877% | 4,875 |
| Loan and lease loss provision to assets | 0.5625% | 2,568 |
| Net operating income to assets | 0.9627% | 2,729 |
| Return on assets (ROA) | 0.7039% | 3,712 |
| Pretax return on assets | 0.9075% | 3,695 |
| Return on Equity (ROE) | 5.8379% | 4,009 |
| Retained earnings to average equity (ytd only) | -9.2208% | 6,993 |
| Net charge-offs to loans | 0.8363% | 1,501 |
| Credit loss provision to net charge-offs | 127.4648% | 4,183 |
| Earnings coverage of net charge-offs (x) | 4.0827% | 4,110 |
| Efficiency ratio | 60.7415% | 6,212 |
| Assets per employee ($millions) | 3.2999% | 5,211 |
| Cash dividends to net income (ytd only)* | 257.9470% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 2,128 |
| Loan loss allowance to noncurrent loans | 46.9168% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.0218% | 2,434 |
| Noncurrent loans to loans | 3.4717% | 1,460 |
| Net loans and leases to total assets | 51.0583% | 6,930 |
| Net loans and leases to deposits | 74.4235% | 5,793 |
| Net loans and leases to core deposits | 81.2730% | 6,515 |
| Total domestic deposits to total assets | 68.6051% | 7,417 |
| Equity capital to assets | 11.4409% | 2,673 |
| Core capital (leverage) ratio | 11.1188% | 2,494 |
| Tier 1 risk-based capital ratio | 17.6769% | 2,124 |
| Total risk-based capital ratio | 18.9276% | 2,066 |
| Memoranda: | ||
| Average total assets | $128,707,600 | 4,320 |
| Average earning assets | $120,090,400 | 4,255 |
| Average equity | $15,519,200 | 4,021 |
| Average total loans | $67,918,600 | 4,950 |