Home > The Farmers State Bank > Performance and Condition Ratios
The Farmers 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 | 4.8142% | 2,448 |
| Cost of funding earning assets | 0.9338% | 3,450 |
| Net interest margin | 3.8804% | 1,418 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.7536% | 1,622 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0388% | 2,097 |
| Return on assets (ROA) | 1.0391% | 2,074 |
| Pretax return on assets | 1.2502% | 2,009 |
| Return on Equity (ROE) | 10.0500% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.2954% | 1,462 |
| Net charge-offs to loans | 0.0032% | 2,655 |
| Credit loss provision to net charge-offs | 480.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 566.2000% | 263 |
| Efficiency ratio | 68.6003% | 2,045 |
| Assets per employee ($millions) | 3.8718% | 4,202 |
| Cash dividends to net income (ytd only)* | 17.4807% | 3,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4553% | 1,188 |
| Loan loss allowance to noncurrent loans | 1,503.1646% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 3,112 |
| Noncurrent loans to loans | 0.0968% | 3,055 |
| Net loans and leases to total assets | 69.2300% | 1,895 |
| Net loans and leases to deposits | 81.5030% | 1,990 |
| Net loans and leases to core deposits | 93.0433% | 1,839 |
| Total domestic deposits to total assets | 84.9400% | 2,332 |
| Equity capital to assets | 10.9747% | 1,494 |
| Core capital (leverage) ratio | 13.6273% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $224,613,000 | 2,817 |
| Average earning assets | $205,726,400 | 2,823 |
| Average equity | $23,217,600 | 2,611 |
| Average total loans | $157,070,600 | 2,619 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7011% | 2,474 |
| Cost of funding earning assets | 0.8201% | 3,475 |
| Net interest margin | 3.8810% | 1,443 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.7464% | 1,551 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.0832% | 2,106 |
| Return on assets (ROA) | 1.0837% | 2,093 |
| Pretax return on assets | 1.2717% | 2,119 |
| Return on Equity (ROE) | 10.6600% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.8540% | 1,725 |
| Net charge-offs to loans | 0.0103% | 2,015 |
| Credit loss provision to net charge-offs | 200.0000% | 1,122 |
| Earnings coverage of net charge-offs (x) | 178.9167% | 650 |
| Efficiency ratio | 68.1170% | 1,999 |
| Assets per employee ($millions) | 3.5100% | 4,319 |
| Cash dividends to net income (ytd only)* | 16.9061% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4836% | 1,148 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.0000% | 1,826 |
| Net loans and leases to deposits | 81.6259% | 1,931 |
| Net loans and leases to core deposits | 91.7785% | 1,811 |
| Total domestic deposits to total assets | 85.7500% | 2,271 |
| Equity capital to assets | 10.1445% | 1,744 |
| Core capital (leverage) ratio | 13.4393% | 961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $222,689,250 | 2,844 |
| Average earning assets | $204,203,750 | 2,849 |
| Average equity | $22,648,250 | 2,643 |
| Average total loans | $155,540,500 | 2,635 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,545 |
| Cost of funding earning assets | 0.6430% | 3,647 |
| Net interest margin | 3.8994% | 1,431 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.8004% | 1,412 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0171% | 2,370 |
| Return on assets (ROA) | 1.0178% | 2,359 |
| Pretax return on assets | 1.1935% | 2,378 |
| Return on Equity (ROE) | 10.0000% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.1942% | 1,906 |
| Net charge-offs to loans | 0.0156% | 1,617 |
| Credit loss provision to net charge-offs | 150.0000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 111.8333% | 881 |
| Efficiency ratio | 69.8495% | 1,775 |
| Assets per employee ($millions) | 3.7011% | 4,290 |
| Cash dividends to net income (ytd only)* | 18.0531% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,153 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.4700% | 1,802 |
| Net loans and leases to deposits | 83.6655% | 1,702 |
| Net loans and leases to core deposits | 94.1321% | 1,557 |
| Total domestic deposits to total assets | 83.0300% | 3,043 |
| Equity capital to assets | 10.4141% | 1,631 |
| Core capital (leverage) ratio | 13.3323% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $222,038,000 | 2,855 |
| Average earning assets | $204,032,333 | 2,862 |
| Average equity | $22,601,333 | 2,655 |
| Average total loans | $154,183,000 | 2,636 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 2,472 |
| Cost of funding earning assets | 0.4477% | 3,841 |
| Net interest margin | 3.9808% | 1,298 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.8573% | 1,321 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.0323% | 2,426 |
| Return on assets (ROA) | 1.0323% | 2,395 |
| Pretax return on assets | 1.2053% | 2,410 |
| Return on Equity (ROE) | 10.2600% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.4337% | 2,099 |
| Net charge-offs to loans | -0.0052% | 3,654 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.0530% | 1,746 |
| Assets per employee ($millions) | 3.7511% | 4,343 |
| Cash dividends to net income (ytd only)* | 17.8010% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,137.5000% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 2,875 |
| Noncurrent loans to loans | 0.1368% | 2,817 |
| Net loans and leases to total assets | 67.6500% | 1,875 |
| Net loans and leases to deposits | 78.8176% | 1,905 |
| Net loans and leases to core deposits | 88.1734% | 1,728 |
| Total domestic deposits to total assets | 85.8300% | 2,642 |
| Equity capital to assets | 10.3544% | 1,636 |
| Core capital (leverage) ratio | 13.1450% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $222,024,500 | 2,896 |
| Average earning assets | $204,581,500 | 2,901 |
| Average equity | $22,339,000 | 2,695 |
| Average total loans | $152,963,500 | 2,678 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 2,238 |
| Cost of funding earning assets | 0.2094% | 3,681 |
| Net interest margin | 3.6041% | 1,632 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.6822% | 1,601 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1443% | 1,993 |
| Return on assets (ROA) | 1.1402% | 1,959 |
| Pretax return on assets | 1.3387% | 1,963 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.8747% | 1,201 |
| Net charge-offs to loans | 0.0075% | 2,123 |
| Credit loss provision to net charge-offs | 327.2727% | 873 |
| Earnings coverage of net charge-offs (x) | 282.0909% | 513 |
| Efficiency ratio | 66.3668% | 2,171 |
| Assets per employee ($millions) | 3.9076% | 4,317 |
| Cash dividends to net income (ytd only)* | 15.0595% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5314% | 1,116 |
| Loan loss allowance to noncurrent loans | 1,090.7407% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 2,864 |
| Noncurrent loans to loans | 0.1404% | 2,808 |
| Net loans and leases to total assets | 68.0100% | 1,829 |
| Net loans and leases to deposits | 77.3036% | 2,012 |
| Net loans and leases to core deposits | 85.1968% | 1,807 |
| Total domestic deposits to total assets | 87.9800% | 2,078 |
| Equity capital to assets | 9.7704% | 1,847 |
| Core capital (leverage) ratio | 12.6068% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $228,286,600 | 2,854 |
| Average earning assets | $210,096,200 | 2,860 |
| Average equity | $22,390,600 | 2,741 |
| Average total loans | $147,376,600 | 2,654 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 2,226 |
| Cost of funding earning assets | 0.2070% | 3,192 |
| Net interest margin | 3.4321% | 1,859 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.4881% | 2,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1479% | 1,898 |
| Return on assets (ROA) | 1.1425% | 1,888 |
| Pretax return on assets | 1.3340% | 1,937 |
| Return on Equity (ROE) | 11.6400% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.8987% | 1,376 |
| Net charge-offs to loans | -0.0256% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9886% | 2,407 |
| Assets per employee ($millions) | 3.9161% | 4,354 |
| Cash dividends to net income (ytd only)* | 14.9390% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5670% | 1,132 |
| Loan loss allowance to noncurrent loans | 1,221.7617% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,072 |
| Noncurrent loans to loans | 0.1283% | 2,993 |
| Net loans and leases to total assets | 65.2100% | 1,958 |
| Net loans and leases to deposits | 72.1438% | 2,191 |
| Net loans and leases to core deposits | 78.7287% | 1,991 |
| Total domestic deposits to total assets | 90.3900% | 1,483 |
| Equity capital to assets | 9.2197% | 2,061 |
| Core capital (leverage) ratio | 12.3810% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $229,675,000 | 2,862 |
| Average earning assets | $211,252,500 | 2,872 |
| Average equity | $22,547,750 | 2,770 |
| Average total loans | $145,759,000 | 2,675 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4055% | 2,415 |
| Cost of funding earning assets | 0.2124% | 2,746 |
| Net interest margin | 3.1931% | 2,206 |
| Noninterest income to average assets | 0.6750% | 1,445 |
| Noninterest expense to average assets | 2.4874% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9570% | 2,329 |
| Return on assets (ROA) | 0.9570% | 2,302 |
| Pretax return on assets | 1.1218% | 2,332 |
| Return on Equity (ROE) | 9.5567% | 2,504 |
| Retained earnings to average equity (ytd only) | 7.8585% | 1,671 |
| Net charge-offs to loans | -0.0055% | 3,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9183% | 2,115 |
| Assets per employee ($millions) | 3.8648% | 4,425 |
| Cash dividends to net income (ytd only)* | 17.7697% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 1,155 |
| Loan loss allowance to noncurrent loans | 204.5574% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 1,139 |
| Noncurrent loans to loans | 0.7823% | 1,094 |
| Net loans and leases to total assets | 62.9415% | 2,020 |
| Net loans and leases to deposits | 69.6846% | 2,244 |
| Net loans and leases to core deposits | 76.0189% | 2,015 |
| Total domestic deposits to total assets | 90.3235% | 1,565 |
| Equity capital to assets | 9.2275% | 2,213 |
| Core capital (leverage) ratio | 11.7715% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $230,522,000 | 2,883 |
| Average earning assets | $211,834,333 | 2,903 |
| Average equity | $23,083,333 | 2,813 |
| Average total loans | $144,187,000 | 2,707 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 2,421 |
| Cost of funding earning assets | 0.2186% | 2,551 |
| Net interest margin | 3.0696% | 2,270 |
| Noninterest income to average assets | 0.7024% | 1,310 |
| Noninterest expense to average assets | 2.4973% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8647% | 2,436 |
| Return on assets (ROA) | 0.8647% | 2,427 |
| Pretax return on assets | 1.0165% | 2,388 |
| Return on Equity (ROE) | 8.3138% | 2,579 |
| Retained earnings to average equity (ytd only) | 6.6875% | 1,998 |
| Net charge-offs to loans | -0.0112% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0707% | 2,095 |
| Assets per employee ($millions) | 4.2578% | 4,274 |
| Cash dividends to net income (ytd only)* | 19.5609% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 1,167 |
| Loan loss allowance to noncurrent loans | 208.2070% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,269 |
| Noncurrent loans to loans | 0.7894% | 1,203 |
| Net loans and leases to total assets | 59.6419% | 2,099 |
| Net loans and leases to deposits | 66.5323% | 2,293 |
| Net loans and leases to core deposits | 72.5736% | 2,062 |
| Total domestic deposits to total assets | 89.6435% | 1,744 |
| Equity capital to assets | 9.9457% | 1,936 |
| Core capital (leverage) ratio | 11.6044% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,770,000 | 2,890 |
| Average earning assets | $212,275,000 | 2,914 |
| Average equity | $24,104,500 | 2,834 |
| Average total loans | $143,352,000 | 2,708 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4070% | 2,910 |
| Cost of funding earning assets | 0.3539% | 1,908 |
| Net interest margin | 3.0531% | 3,040 |
| Noninterest income to average assets | 1.2168% | 717 |
| Noninterest expense to average assets | 2.6570% | 1,736 |
| Loan and lease loss provision to assets | 0.1737% | 663 |
| Net operating income to assets | 1.0473% | 2,489 |
| Return on assets (ROA) | 1.0476% | 2,564 |
| Pretax return on assets | 1.2245% | 2,587 |
| Return on Equity (ROE) | 9.6792% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.1118% | 1,492 |
| Net charge-offs to loans | -0.0049% | 3,553 |
| Credit loss provision to net charge-offs | -5,500.0000% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5280% | 2,333 |
| Assets per employee ($millions) | 4.0238% | 4,417 |
| Cash dividends to net income (ytd only)* | 16.1929% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,232 |
| Loan loss allowance to noncurrent loans | 220.8531% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,434 |
| Noncurrent loans to loans | 0.7291% | 1,397 |
| Net loans and leases to total assets | 62.0730% | 1,933 |
| Net loans and leases to deposits | 70.1876% | 2,115 |
| Net loans and leases to core deposits | 77.7604% | 1,782 |
| Total domestic deposits to total assets | 88.4386% | 1,826 |
| Equity capital to assets | 10.8642% | 1,888 |
| Core capital (leverage) ratio | 11.6621% | 1,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,639,000 | 2,893 |
| Average earning assets | $206,019,400 | 2,908 |
| Average equity | $23,989,600 | 2,914 |
| Average total loans | $142,164,400 | 2,705 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 2,980 |
| Cost of funding earning assets | 0.3871% | 1,808 |
| Net interest margin | 3.0556% | 3,162 |
| Noninterest income to average assets | 1.0923% | 931 |
| Noninterest expense to average assets | 2.6167% | 1,792 |
| Loan and lease loss provision to assets | 0.1334% | 859 |
| Net operating income to assets | 0.9753% | 3,006 |
| Return on assets (ROA) | 0.9758% | 3,083 |
| Pretax return on assets | 1.1882% | 2,969 |
| Return on Equity (ROE) | 9.0243% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.4417% | 2,256 |
| Net charge-offs to loans | -0.0132% | 3,792 |
| Credit loss provision to net charge-offs | -1,571.4286% | 3,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4509% | 2,040 |
| Assets per employee ($millions) | 3.7646% | 4,557 |
| Cash dividends to net income (ytd only)* | 17.5373% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5078% | 1,599 |
| Loan loss allowance to noncurrent loans | 219.2735% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 1,695 |
| Noncurrent loans to loans | 0.6876% | 1,603 |
| Net loans and leases to total assets | 63.9068% | 1,788 |
| Net loans and leases to deposits | 73.1055% | 1,947 |
| Net loans and leases to core deposits | 81.6594% | 1,599 |
| Total domestic deposits to total assets | 87.4173% | 2,150 |
| Equity capital to assets | 11.0007% | 2,017 |
| Core capital (leverage) ratio | 11.6946% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,709,000 | 2,936 |
| Average earning assets | $204,601,000 | 2,947 |
| Average equity | $23,757,500 | 2,961 |
| Average total loans | $141,530,500 | 2,747 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 3,017 |
| Cost of funding earning assets | 0.4202% | 1,734 |
| Net interest margin | 3.0348% | 3,226 |
| Noninterest income to average assets | 1.1256% | 892 |
| Noninterest expense to average assets | 2.6303% | 1,771 |
| Loan and lease loss provision to assets | 0.1873% | 604 |
| Net operating income to assets | 0.9374% | 3,104 |
| Return on assets (ROA) | 0.9374% | 3,182 |
| Pretax return on assets | 1.1384% | 3,093 |
| Return on Equity (ROE) | 8.7200% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.1222% | 2,386 |
| Net charge-offs to loans | -0.0171% | 3,916 |
| Credit loss provision to net charge-offs | -1,708.3333% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4896% | 2,085 |
| Assets per employee ($millions) | 3.7649% | 4,573 |
| Cash dividends to net income (ytd only)* | 18.3236% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,458 |
| Loan loss allowance to noncurrent loans | 205.2381% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 1,743 |
| Noncurrent loans to loans | 0.7497% | 1,594 |
| Net loans and leases to total assets | 63.1474% | 2,045 |
| Net loans and leases to deposits | 72.2074% | 2,189 |
| Net loans and leases to core deposits | 82.1276% | 1,711 |
| Total domestic deposits to total assets | 87.4528% | 2,117 |
| Equity capital to assets | 10.9266% | 2,040 |
| Core capital (leverage) ratio | 11.4081% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2470% | 924 |
| Memoranda: | ||
| Average total assets | $218,907,333 | 2,950 |
| Average earning assets | $204,166,667 | 2,949 |
| Average equity | $23,532,000 | 2,971 |
| Average total loans | $140,667,667 | 2,772 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 2,972 |
| Cost of funding earning assets | 0.4619% | 1,642 |
| Net interest margin | 3.0216% | 3,204 |
| Noninterest income to average assets | 1.2155% | 836 |
| Noninterest expense to average assets | 2.6499% | 1,741 |
| Loan and lease loss provision to assets | 0.0274% | 2,427 |
| Net operating income to assets | 1.1060% | 2,457 |
| Return on assets (ROA) | 1.1060% | 2,535 |
| Pretax return on assets | 1.3560% | 2,408 |
| Return on Equity (ROE) | 10.3732% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7641% | 2,028 |
| Net charge-offs to loans | -0.0312% | 4,189 |
| Credit loss provision to net charge-offs | -136.3636% | 2,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7014% | 2,272 |
| Assets per employee ($millions) | 3.9011% | 4,533 |
| Cash dividends to net income (ytd only)* | 15.5116% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,863 |
| Loan loss allowance to noncurrent loans | 1,283.6601% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,880 |
| Noncurrent loans to loans | 0.1109% | 3,751 |
| Net loans and leases to total assets | 61.1755% | 2,382 |
| Net loans and leases to deposits | 70.3275% | 2,472 |
| Net loans and leases to core deposits | 79.5715% | 2,045 |
| Total domestic deposits to total assets | 86.9867% | 2,315 |
| Equity capital to assets | 10.5286% | 2,246 |
| Core capital (leverage) ratio | 11.4075% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4454% | 861 |
| Memoranda: | ||
| Average total assets | $219,177,500 | 2,935 |
| Average earning assets | $204,392,000 | 2,934 |
| Average equity | $23,368,000 | 2,968 |
| Average total loans | $140,977,500 | 2,775 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 2,282 |
| Cost of funding earning assets | 0.8383% | 1,066 |
| Net interest margin | 3.3102% | 3,042 |
| Noninterest income to average assets | 0.9635% | 1,117 |
| Noninterest expense to average assets | 2.7702% | 2,018 |
| Loan and lease loss provision to assets | 0.0403% | 3,898 |
| Net operating income to assets | 1.0228% | 2,206 |
| Return on assets (ROA) | 1.0165% | 2,371 |
| Pretax return on assets | 1.2140% | 2,281 |
| Return on Equity (ROE) | 8.9889% | 2,398 |
| Retained earnings to average equity (ytd only) | 7.3400% | 1,265 |
| Net charge-offs to loans | -0.0086% | 4,228 |
| Credit loss provision to net charge-offs | -666.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7039% | 2,139 |
| Assets per employee ($millions) | 3.5408% | 4,635 |
| Cash dividends to net income (ytd only)* | 18.3441% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 2,207 |
| Loan loss allowance to noncurrent loans | 2,392.5926% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 4,167 |
| Noncurrent loans to loans | 0.0563% | 4,065 |
| Net loans and leases to total assets | 65.7530% | 2,129 |
| Net loans and leases to deposits | 76.0120% | 2,281 |
| Net loans and leases to core deposits | 86.2033% | 1,853 |
| Total domestic deposits to total assets | 86.5035% | 2,149 |
| Equity capital to assets | 10.7986% | 2,434 |
| Core capital (leverage) ratio | 11.4551% | 1,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2481% | 1,008 |
| Memoranda: | ||
| Average total assets | $198,434,600 | 2,955 |
| Average earning assets | $183,946,400 | 2,958 |
| Average equity | $22,438,800 | 2,976 |
| Average total loans | $139,732,800 | 2,756 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,167 |
| Cost of funding earning assets | 0.9152% | 1,019 |
| Net interest margin | 3.3633% | 3,014 |
| Noninterest income to average assets | 0.9235% | 1,164 |
| Noninterest expense to average assets | 2.8309% | 1,881 |
| Loan and lease loss provision to assets | 0.0407% | 3,840 |
| Net operating income to assets | 0.9712% | 2,447 |
| Return on assets (ROA) | 0.9626% | 2,610 |
| Pretax return on assets | 1.1550% | 2,547 |
| Return on Equity (ROE) | 8.4076% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.7453% | 1,796 |
| Net charge-offs to loans | -0.0125% | 4,281 |
| Credit loss provision to net charge-offs | -453.8462% | 3,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1277% | 1,868 |
| Assets per employee ($millions) | 3.4233% | 4,694 |
| Cash dividends to net income (ytd only)* | 19.7716% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 1,948 |
| Loan loss allowance to noncurrent loans | 546.4387% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1709% | 3,569 |
| Noncurrent loans to loans | 0.2474% | 3,414 |
| Net loans and leases to total assets | 68.1311% | 2,226 |
| Net loans and leases to deposits | 80.1310% | 2,300 |
| Net loans and leases to core deposits | 92.1592% | 1,781 |
| Total domestic deposits to total assets | 85.0247% | 2,424 |
| Equity capital to assets | 11.3044% | 2,148 |
| Core capital (leverage) ratio | 11.5639% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1215% | 1,035 |
| Memoranda: | ||
| Average total assets | $194,045,750 | 2,972 |
| Average earning assets | $179,622,000 | 2,983 |
| Average equity | $22,217,500 | 2,987 |
| Average total loans | $138,676,500 | 2,770 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3981% | 2,220 |
| Cost of funding earning assets | 0.9640% | 1,092 |
| Net interest margin | 3.4342% | 2,996 |
| Noninterest income to average assets | 0.9702% | 1,035 |
| Noninterest expense to average assets | 2.8193% | 2,050 |
| Loan and lease loss provision to assets | 0.0399% | 3,778 |
| Net operating income to assets | 1.0653% | 2,093 |
| Return on assets (ROA) | 1.0522% | 2,271 |
| Pretax return on assets | 1.2709% | 2,130 |
| Return on Equity (ROE) | 9.1484% | 2,295 |
| Retained earnings to average equity (ytd only) | 7.4576% | 1,478 |
| Net charge-offs to loans | -0.0131% | 4,283 |
| Credit loss provision to net charge-offs | -422.2222% | 3,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0020% | 2,232 |
| Assets per employee ($millions) | 3.3361% | 4,731 |
| Cash dividends to net income (ytd only)* | 18.4815% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 1,938 |
| Loan loss allowance to noncurrent loans | 410.8460% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 3,418 |
| Noncurrent loans to loans | 0.3196% | 3,239 |
| Net loans and leases to total assets | 69.9515% | 2,040 |
| Net loans and leases to deposits | 82.2152% | 2,184 |
| Net loans and leases to core deposits | 95.2462% | 1,640 |
| Total domestic deposits to total assets | 85.0833% | 2,362 |
| Equity capital to assets | 11.2180% | 2,166 |
| Core capital (leverage) ratio | 11.9624% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8860% | 1,075 |
| Memoranda: | ||
| Average total assets | $190,261,667 | 2,983 |
| Average earning assets | $175,938,000 | 3,001 |
| Average equity | $21,883,667 | 2,998 |
| Average total loans | $137,616,000 | 2,774 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 2,110 |
| Cost of funding earning assets | 1.0248% | 1,317 |
| Net interest margin | 3.5420% | 2,842 |
| Noninterest income to average assets | 0.7820% | 1,362 |
| Noninterest expense to average assets | 2.8991% | 2,126 |
| Loan and lease loss provision to assets | 0.0196% | 3,549 |
| Net operating income to assets | 0.9557% | 2,332 |
| Return on assets (ROA) | 0.9279% | 2,534 |
| Pretax return on assets | 1.0978% | 2,530 |
| Return on Equity (ROE) | 7.9585% | 2,535 |
| Retained earnings to average equity (ytd only) | 6.2211% | 1,797 |
| Net charge-offs to loans | -0.0119% | 4,133 |
| Credit loss provision to net charge-offs | -225.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5976% | 2,142 |
| Assets per employee ($millions) | 3.1976% | 4,690 |
| Cash dividends to net income (ytd only)* | 21.8310% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 1,886 |
| Loan loss allowance to noncurrent loans | 558.5586% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 3,188 |
| Noncurrent loans to loans | 0.2426% | 3,617 |
| Net loans and leases to total assets | 72.9994% | 1,781 |
| Net loans and leases to deposits | 86.2555% | 1,965 |
| Net loans and leases to core deposits | 100.9967% | 1,398 |
| Total domestic deposits to total assets | 84.6316% | 2,555 |
| Equity capital to assets | 11.4845% | 2,448 |
| Core capital (leverage) ratio | 12.5636% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6558% | 1,035 |
| Memoranda: | ||
| Average total assets | $183,640,500 | 3,013 |
| Average earning assets | $169,394,500 | 3,029 |
| Average equity | $21,411,000 | 3,039 |
| Average total loans | $134,300,000 | 2,789 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 2,222 |
| Cost of funding earning assets | 0.9942% | 1,747 |
| Net interest margin | 3.7409% | 2,691 |
| Noninterest income to average assets | 0.5762% | 2,331 |
| Noninterest expense to average assets | 2.8314% | 2,501 |
| Loan and lease loss provision to assets | 0.0330% | 3,355 |
| Net operating income to assets | 0.9665% | 2,964 |
| Return on assets (ROA) | 0.9766% | 3,005 |
| Pretax return on assets | 1.1732% | 2,937 |
| Return on Equity (ROE) | 8.4478% | 2,964 |
| Retained earnings to average equity (ytd only) | 6.8323% | 1,463 |
| Net charge-offs to loans | 0.0385% | 2,616 |
| Credit loss provision to net charge-offs | 117.6471% | 2,147 |
| Earnings coverage of net charge-offs (x) | 42.6275% | 1,254 |
| Efficiency ratio | 70.3370% | 2,123 |
| Assets per employee ($millions) | 3.0817% | 4,777 |
| Cash dividends to net income (ytd only)* | 19.1226% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 1,505 |
| Loan loss allowance to noncurrent loans | 451.3447% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3602% | 2,958 |
| Noncurrent loans to loans | 0.3114% | 3,326 |
| Net loans and leases to total assets | 71.2290% | 2,217 |
| Net loans and leases to deposits | 84.8762% | 2,224 |
| Net loans and leases to core deposits | 101.1979% | 1,468 |
| Total domestic deposits to total assets | 83.9211% | 2,866 |
| Equity capital to assets | 11.8374% | 2,250 |
| Core capital (leverage) ratio | 12.3809% | 1,548 |
| Tier 1 risk-based capital ratio | 17.8820% | 1,790 |
| Total risk-based capital ratio | 19.1354% | 1,743 |
| Memoranda: | ||
| Average total assets | $182,064,200 | 2,997 |
| Average earning assets | $167,871,800 | 3,014 |
| Average equity | $21,047,000 | 3,036 |
| Average total loans | $132,446,400 | 2,796 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 2,320 |
| Cost of funding earning assets | 0.9654% | 1,907 |
| Net interest margin | 3.7653% | 2,700 |
| Noninterest income to average assets | 0.6164% | 2,122 |
| Noninterest expense to average assets | 2.8017% | 2,555 |
| Loan and lease loss provision to assets | 0.0329% | 3,250 |
| Net operating income to assets | 1.0370% | 2,831 |
| Return on assets (ROA) | 1.0498% | 2,876 |
| Pretax return on assets | 1.2665% | 2,762 |
| Return on Equity (ROE) | 9.1358% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.5113% | 1,616 |
| Net charge-offs to loans | -0.0141% | 4,476 |
| Credit loss provision to net charge-offs | -321.4286% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5719% | 2,328 |
| Assets per employee ($millions) | 3.1806% | 4,772 |
| Cash dividends to net income (ytd only)* | 17.7824% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,431 |
| Loan loss allowance to noncurrent loans | 453.5885% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3734% | 3,014 |
| Noncurrent loans to loans | 0.3167% | 3,392 |
| Net loans and leases to total assets | 71.7616% | 2,209 |
| Net loans and leases to deposits | 87.2356% | 2,032 |
| Net loans and leases to core deposits | 104.0343% | 1,321 |
| Total domestic deposits to total assets | 82.2618% | 3,398 |
| Equity capital to assets | 12.0077% | 2,255 |
| Core capital (leverage) ratio | 12.4324% | 1,607 |
| Tier 1 risk-based capital ratio | 17.7000% | 1,901 |
| Total risk-based capital ratio | 18.9539% | 1,859 |
| Memoranda: | ||
| Average total assets | $182,124,750 | 3,021 |
| Average earning assets | $167,809,750 | 3,043 |
| Average equity | $20,928,000 | 3,069 |
| Average total loans | $132,719,000 | 2,824 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6974% | 2,364 |
| Cost of funding earning assets | 0.9188% | 2,059 |
| Net interest margin | 3.7786% | 2,653 |
| Noninterest income to average assets | 0.5976% | 2,168 |
| Noninterest expense to average assets | 2.7916% | 2,615 |
| Loan and lease loss provision to assets | 0.0329% | 3,172 |
| Net operating income to assets | 1.0735% | 2,635 |
| Return on assets (ROA) | 1.0735% | 2,701 |
| Pretax return on assets | 1.2544% | 2,727 |
| Return on Equity (ROE) | 9.4829% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.8362% | 1,455 |
| Net charge-offs to loans | -0.0135% | 4,415 |
| Credit loss provision to net charge-offs | -333.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4409% | 2,457 |
| Assets per employee ($millions) | 3.2547% | 4,736 |
| Cash dividends to net income (ytd only)* | 17.3647% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 1,546 |
| Loan loss allowance to noncurrent loans | 915.6098% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 3,434 |
| Noncurrent loans to loans | 0.1546% | 3,987 |
| Net loans and leases to total assets | 71.7288% | 2,249 |
| Net loans and leases to deposits | 89.7788% | 1,763 |
| Net loans and leases to core deposits | 105.6726% | 1,264 |
| Total domestic deposits to total assets | 79.8950% | 4,060 |
| Equity capital to assets | 11.6957% | 2,449 |
| Core capital (leverage) ratio | 12.2085% | 1,698 |
| Tier 1 risk-based capital ratio | 17.3875% | 1,971 |
| Total risk-based capital ratio | 18.6413% | 1,927 |
| Memoranda: | ||
| Average total assets | $182,402,330 | 3,026 |
| Average earning assets | $168,050,670 | 3,048 |
| Average equity | $20,647,670 | 3,088 |
| Average total loans | $132,960,670 | 2,836 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 2,341 |
| Cost of funding earning assets | 0.8488% | 2,278 |
| Net interest margin | 3.8126% | 2,481 |
| Noninterest income to average assets | 0.6291% | 1,917 |
| Noninterest expense to average assets | 2.7949% | 2,584 |
| Loan and lease loss provision to assets | 0.0329% | 2,970 |
| Net operating income to assets | 1.0851% | 2,526 |
| Return on assets (ROA) | 1.0851% | 2,571 |
| Pretax return on assets | 1.3065% | 2,434 |
| Return on Equity (ROE) | 9.7475% | 2,477 |
| Retained earnings to average equity (ytd only) | 8.0736% | 1,632 |
| Net charge-offs to loans | -0.0150% | 4,381 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6034% | 2,698 |
| Assets per employee ($millions) | 3.3486% | 4,701 |
| Cash dividends to net income (ytd only)* | 17.1717% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3909% | 1,711 |
| Loan loss allowance to noncurrent loans | 919.8020% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 3,502 |
| Noncurrent loans to loans | 0.1512% | 4,057 |
| Net loans and leases to total assets | 71.5238% | 2,247 |
| Net loans and leases to deposits | 90.0342% | 1,624 |
| Net loans and leases to core deposits | 105.8694% | 1,186 |
| Total domestic deposits to total assets | 79.4407% | 4,260 |
| Equity capital to assets | 11.1932% | 2,661 |
| Core capital (leverage) ratio | 12.4032% | 1,557 |
| Tier 1 risk-based capital ratio | 17.0852% | 2,083 |
| Total risk-based capital ratio | 18.3389% | 2,024 |
| Memoranda: | ||
| Average total assets | $182,472,000 | 3,063 |
| Average earning assets | $167,760,000 | 3,079 |
| Average equity | $20,313,000 | 3,127 |
| Average total loans | $133,135,000 | 2,869 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 2,505 |
| Cost of funding earning assets | 0.6621% | 2,308 |
| Net interest margin | 3.8217% | 2,586 |
| Noninterest income to average assets | 0.7031% | 1,843 |
| Noninterest expense to average assets | 3.0668% | 1,876 |
| Loan and lease loss provision to assets | 0.0719% | 2,699 |
| Net operating income to assets | 0.9364% | 3,296 |
| Return on assets (ROA) | 0.9364% | 3,291 |
| Pretax return on assets | 1.0829% | 3,337 |
| Return on Equity (ROE) | 8.4969% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.8410% | 1,738 |
| Net charge-offs to loans | 0.0008% | 3,755 |
| Credit loss provision to net charge-offs | 12,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 2,025.0000% | 45 |
| Efficiency ratio | 72.6462% | 1,823 |
| Assets per employee ($millions) | 3.4107% | 4,648 |
| Cash dividends to net income (ytd only)* | 19.4884% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,698 |
| Loan loss allowance to noncurrent loans | 858.8785% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 2,724 |
| Noncurrent loans to loans | 0.1613% | 4,018 |
| Net loans and leases to total assets | 72.3824% | 2,195 |
| Net loans and leases to deposits | 93.2549% | 1,367 |
| Net loans and leases to core deposits | 107.3785% | 1,170 |
| Total domestic deposits to total assets | 77.6178% | 4,545 |
| Equity capital to assets | 11.0699% | 2,620 |
| Core capital (leverage) ratio | 12.1459% | 1,644 |
| Tier 1 risk-based capital ratio | 16.5601% | 2,222 |
| Total risk-based capital ratio | 17.8134% | 2,167 |
| Memoranda: | ||
| Average total assets | $175,360,600 | 3,110 |
| Average earning assets | $161,445,400 | 3,125 |
| Average equity | $19,324,600 | 3,155 |
| Average total loans | $128,690,600 | 2,889 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 2,586 |
| Cost of funding earning assets | 0.6204% | 2,334 |
| Net interest margin | 3.7922% | 2,675 |
| Noninterest income to average assets | 0.7210% | 1,788 |
| Noninterest expense to average assets | 3.0488% | 1,880 |
| Loan and lease loss provision to assets | 0.0728% | 2,499 |
| Net operating income to assets | 0.9248% | 3,408 |
| Return on assets (ROA) | 0.9248% | 3,415 |
| Pretax return on assets | 1.0980% | 3,412 |
| Return on Equity (ROE) | 8.4023% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.7316% | 2,271 |
| Net charge-offs to loans | -0.0031% | 4,142 |
| Credit loss provision to net charge-offs | -3,166.6667% | 4,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2535% | 1,844 |
| Assets per employee ($millions) | 3.2789% | 4,794 |
| Cash dividends to net income (ytd only)* | 19.8839% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 1,781 |
| Loan loss allowance to noncurrent loans | 2,235.8025% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,039 |
| Noncurrent loans to loans | 0.0617% | 4,612 |
| Net loans and leases to total assets | 73.0653% | 2,156 |
| Net loans and leases to deposits | 93.4997% | 1,432 |
| Net loans and leases to core deposits | 107.8696% | 1,175 |
| Total domestic deposits to total assets | 78.1450% | 4,466 |
| Equity capital to assets | 10.9749% | 2,684 |
| Core capital (leverage) ratio | 12.1747% | 1,679 |
| Tier 1 risk-based capital ratio | 16.4293% | 2,294 |
| Total risk-based capital ratio | 17.6811% | 2,235 |
| Memoranda: | ||
| Average total assets | $174,008,500 | 3,146 |
| Average earning assets | $160,534,000 | 3,162 |
| Average equity | $19,153,000 | 3,191 |
| Average total loans | $127,692,500 | 2,932 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,641 |
| Cost of funding earning assets | 0.5553% | 2,568 |
| Net interest margin | 3.7803% | 2,634 |
| Noninterest income to average assets | 0.6775% | 1,966 |
| Noninterest expense to average assets | 3.0938% | 1,803 |
| Loan and lease loss provision to assets | 0.0728% | 2,433 |
| Net operating income to assets | 0.8463% | 3,692 |
| Return on assets (ROA) | 0.8463% | 3,692 |
| Pretax return on assets | 0.9977% | 3,669 |
| Return on Equity (ROE) | 7.6810% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.0021% | 2,560 |
| Net charge-offs to loans | -0.0190% | 4,544 |
| Credit loss provision to net charge-offs | -525.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2921% | 1,666 |
| Assets per employee ($millions) | 3.2561% | 4,874 |
| Cash dividends to net income (ytd only)* | 21.8579% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 1,825 |
| Loan loss allowance to noncurrent loans | 855.5024% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 2,802 |
| Noncurrent loans to loans | 0.1611% | 4,183 |
| Net loans and leases to total assets | 72.7748% | 2,153 |
| Net loans and leases to deposits | 94.8091% | 1,268 |
| Net loans and leases to core deposits | 109.2657% | 1,043 |
| Total domestic deposits to total assets | 76.7594% | 4,759 |
| Equity capital to assets | 10.9202% | 2,711 |
| Core capital (leverage) ratio | 12.1120% | 1,643 |
| Tier 1 risk-based capital ratio | 16.0735% | 2,410 |
| Total risk-based capital ratio | 17.3246% | 2,349 |
| Memoranda: | ||
| Average total assets | $172,992,000 | 3,181 |
| Average earning assets | $159,564,330 | 3,195 |
| Average equity | $19,060,000 | 3,216 |
| Average total loans | $126,530,330 | 2,959 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 2,678 |
| Cost of funding earning assets | 0.5182% | 2,654 |
| Net interest margin | 3.7390% | 2,650 |
| Noninterest income to average assets | 0.7460% | 1,639 |
| Noninterest expense to average assets | 3.1427% | 1,707 |
| Loan and lease loss provision to assets | 0.0723% | 2,316 |
| Net operating income to assets | 0.8486% | 3,511 |
| Return on assets (ROA) | 0.8486% | 3,528 |
| Pretax return on assets | 0.9792% | 3,603 |
| Return on Equity (ROE) | 7.6674% | 3,518 |
| Retained earnings to average equity (ytd only) | 5.9823% | 2,712 |
| Net charge-offs to loans | -0.0512% | 4,977 |
| Credit loss provision to net charge-offs | -193.7500% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9305% | 1,755 |
| Assets per employee ($millions) | 3.0084% | 5,145 |
| Cash dividends to net income (ytd only)* | 21.9780% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 1,874 |
| Loan loss allowance to noncurrent loans | 1,248.2270% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 3,029 |
| Noncurrent loans to loans | 0.1115% | 4,468 |
| Net loans and leases to total assets | 71.4686% | 2,253 |
| Net loans and leases to deposits | 88.7780% | 1,836 |
| Net loans and leases to core deposits | 104.2720% | 1,355 |
| Total domestic deposits to total assets | 80.5026% | 4,323 |
| Equity capital to assets | 10.8617% | 2,711 |
| Core capital (leverage) ratio | 12.2723% | 1,490 |
| Tier 1 risk-based capital ratio | 16.2549% | 2,373 |
| Total risk-based capital ratio | 17.5069% | 2,324 |
| Memoranda: | ||
| Average total assets | $171,573,000 | 3,231 |
| Average earning assets | $158,226,000 | 3,234 |
| Average equity | $18,989,500 | 3,249 |
| Average total loans | $124,921,500 | 3,002 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2068% | 2,664 |
| Cost of funding earning assets | 0.4464% | 2,812 |
| Net interest margin | 3.7604% | 2,562 |
| Noninterest income to average assets | 0.7219% | 1,877 |
| Noninterest expense to average assets | 3.0139% | 2,139 |
| Loan and lease loss provision to assets | 0.0658% | 2,889 |
| Net operating income to assets | 0.7955% | 3,183 |
| Return on assets (ROA) | 0.8012% | 3,195 |
| Pretax return on assets | 1.1121% | 3,134 |
| Return on Equity (ROE) | 6.9957% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.5050% | 1,813 |
| Net charge-offs to loans | 0.0442% | 2,906 |
| Credit loss provision to net charge-offs | 207.6923% | 1,319 |
| Earnings coverage of net charge-offs (x) | 36.9038% | 1,326 |
| Efficiency ratio | 72.0344% | 2,220 |
| Assets per employee ($millions) | 2.9590% | 5,228 |
| Cash dividends to net income (ytd only)* | 21.3090% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 1,814 |
| Loan loss allowance to noncurrent loans | 1,050.9202% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.4820% | 2,957 |
| Noncurrent loans to loans | 0.1321% | 4,401 |
| Net loans and leases to total assets | 72.1376% | 2,215 |
| Net loans and leases to deposits | 87.8647% | 2,036 |
| Net loans and leases to core deposits | 102.3461% | 1,536 |
| Total domestic deposits to total assets | 82.1008% | 3,845 |
| Equity capital to assets | 11.2812% | 2,380 |
| Core capital (leverage) ratio | 12.2086% | 1,492 |
| Tier 1 risk-based capital ratio | 16.6308% | 2,220 |
| Total risk-based capital ratio | 17.8829% | 2,168 |
| Memoranda: | ||
| Average total assets | $164,009,400 | 3,301 |
| Average earning assets | $150,993,600 | 3,312 |
| Average equity | $18,783,000 | 3,264 |
| Average total loans | $117,664,000 | 3,090 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1779% | 2,693 |
| Cost of funding earning assets | 0.4423% | 2,786 |
| Net interest margin | 3.7356% | 2,635 |
| Noninterest income to average assets | 0.7786% | 1,670 |
| Noninterest expense to average assets | 2.9557% | 2,230 |
| Loan and lease loss provision to assets | 0.0663% | 2,742 |
| Net operating income to assets | 0.8780% | 3,139 |
| Return on assets (ROA) | 0.8834% | 3,160 |
| Pretax return on assets | 1.2011% | 2,905 |
| Return on Equity (ROE) | 7.6842% | 3,301 |
| Retained earnings to average equity (ytd only) | 6.1887% | 2,115 |
| Net charge-offs to loans | -0.0138% | 4,736 |
| Credit loss provision to net charge-offs | -675.0000% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1107% | 2,519 |
| Assets per employee ($millions) | 3.0469% | 5,222 |
| Cash dividends to net income (ytd only)* | 19.4623% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,660 |
| Loan loss allowance to noncurrent loans | 757.5758% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.4437% | 3,261 |
| Noncurrent loans to loans | 0.1933% | 4,309 |
| Net loans and leases to total assets | 71.5519% | 2,325 |
| Net loans and leases to deposits | 84.4700% | 2,496 |
| Net loans and leases to core deposits | 99.0634% | 1,793 |
| Total domestic deposits to total assets | 84.7068% | 2,834 |
| Equity capital to assets | 11.6951% | 2,192 |
| Core capital (leverage) ratio | 12.2495% | 1,539 |
| Tier 1 risk-based capital ratio | 17.0519% | 2,140 |
| Total risk-based capital ratio | 18.3051% | 2,093 |
| Memoranda: | ||
| Average total assets | $162,846,500 | 3,346 |
| Average earning assets | $149,834,000 | 3,354 |
| Average equity | $18,722,000 | 3,300 |
| Average total loans | $116,234,750 | 3,133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 2,855 |
| Cost of funding earning assets | 0.4286% | 2,818 |
| Net interest margin | 3.6632% | 2,780 |
| Noninterest income to average assets | 0.7727% | 1,677 |
| Noninterest expense to average assets | 2.9615% | 2,227 |
| Loan and lease loss provision to assets | 0.0665% | 2,636 |
| Net operating income to assets | 0.8224% | 3,283 |
| Return on assets (ROA) | 0.8306% | 3,300 |
| Pretax return on assets | 1.1264% | 3,062 |
| Return on Equity (ROE) | 7.2674% | 3,415 |
| Retained earnings to average equity (ytd only) | 5.7578% | 2,257 |
| Net charge-offs to loans | -0.0035% | 4,261 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4753% | 2,443 |
| Assets per employee ($millions) | 3.1988% | 5,099 |
| Cash dividends to net income (ytd only)* | 20.7715% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,777 |
| Loan loss allowance to noncurrent loans | 1,232.3741% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 3,570 |
| Noncurrent loans to loans | 0.1170% | 4,651 |
| Net loans and leases to total assets | 70.4129% | 2,464 |
| Net loans and leases to deposits | 84.6227% | 2,387 |
| Net loans and leases to core deposits | 99.9479% | 1,650 |
| Total domestic deposits to total assets | 83.2081% | 3,504 |
| Equity capital to assets | 11.3860% | 2,424 |
| Core capital (leverage) ratio | 12.1389% | 1,562 |
| Tier 1 risk-based capital ratio | 16.7121% | 2,232 |
| Total risk-based capital ratio | 17.9657% | 2,192 |
| Memoranda: | ||
| Average total assets | $162,285,000 | 3,369 |
| Average earning assets | $149,323,000 | 3,382 |
| Average equity | $18,548,670 | 3,329 |
| Average total loans | $115,154,670 | 3,156 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,715 |
| Cost of funding earning assets | 0.4131% | 2,874 |
| Net interest margin | 3.6688% | 2,611 |
| Noninterest income to average assets | 0.7463% | 1,758 |
| Noninterest expense to average assets | 3.0301% | 2,080 |
| Loan and lease loss provision to assets | 0.0674% | 2,461 |
| Net operating income to assets | 0.7613% | 3,421 |
| Return on assets (ROA) | 0.7613% | 3,473 |
| Pretax return on assets | 1.0183% | 3,291 |
| Return on Equity (ROE) | 6.6472% | 3,582 |
| Retained earnings to average equity (ytd only) | 5.1216% | 2,818 |
| Net charge-offs to loans | -0.0035% | 4,091 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6204% | 2,293 |
| Assets per employee ($millions) | 3.1875% | 5,177 |
| Cash dividends to net income (ytd only)* | 22.9508% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,807 |
| Loan loss allowance to noncurrent loans | 925.8242% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,506 |
| Noncurrent loans to loans | 0.1585% | 4,552 |
| Net loans and leases to total assets | 69.5845% | 2,454 |
| Net loans and leases to deposits | 78.9126% | 2,877 |
| Net loans and leases to core deposits | 92.6225% | 2,107 |
| Total domestic deposits to total assets | 88.1793% | 1,604 |
| Equity capital to assets | 11.3587% | 2,299 |
| Core capital (leverage) ratio | 12.2219% | 1,488 |
| Tier 1 risk-based capital ratio | 17.1222% | 2,139 |
| Total risk-based capital ratio | 18.3768% | 2,092 |
| Memoranda: | ||
| Average total assets | $160,259,500 | 3,425 |
| Average earning assets | $147,185,500 | 3,436 |
| Average equity | $18,353,500 | 3,363 |
| Average total loans | $113,314,500 | 3,197 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1521% | 2,652 |
| Cost of funding earning assets | 0.4294% | 2,710 |
| Net interest margin | 3.7227% | 2,601 |
| Noninterest income to average assets | 0.8872% | 1,454 |
| Noninterest expense to average assets | 3.1846% | 1,830 |
| Loan and lease loss provision to assets | 0.0630% | 3,118 |
| Net operating income to assets | 0.8769% | 2,945 |
| Return on assets (ROA) | 0.8898% | 2,995 |
| Pretax return on assets | 1.0801% | 3,177 |
| Return on Equity (ROE) | 7.6187% | 3,162 |
| Retained earnings to average equity (ytd only) | 6.1467% | 1,636 |
| Net charge-offs to loans | 0.2946% | 943 |
| Credit loss provision to net charge-offs | 30.7692% | 3,584 |
| Earnings coverage of net charge-offs (x) | 5.5064% | 3,327 |
| Efficiency ratio | 73.8548% | 2,306 |
| Assets per employee ($millions) | 3.0972% | 5,269 |
| Cash dividends to net income (ytd only)* | 19.3215% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4818% | 1,748 |
| Loan loss allowance to noncurrent loans | 644.7471% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 3,635 |
| Noncurrent loans to loans | 0.2298% | 4,325 |
| Net loans and leases to total assets | 69.7462% | 2,526 |
| Net loans and leases to deposits | 81.1576% | 2,769 |
| Net loans and leases to core deposits | 90.7809% | 2,431 |
| Total domestic deposits to total assets | 85.9392% | 2,607 |
| Equity capital to assets | 11.5487% | 2,127 |
| Core capital (leverage) ratio | 12.3310% | 1,420 |
| Tier 1 risk-based capital ratio | 17.2383% | 2,074 |
| Total risk-based capital ratio | 18.4925% | 2,036 |
| Memoranda: | ||
| Average total assets | $152,387,400 | 3,479 |
| Average earning assets | $140,192,800 | 3,494 |
| Average equity | $17,798,200 | 3,434 |
| Average total loans | $105,913,400 | 3,274 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,656 |
| Cost of funding earning assets | 0.4374% | 2,666 |
| Net interest margin | 3.7188% | 2,644 |
| Noninterest income to average assets | 0.7788% | 1,848 |
| Noninterest expense to average assets | 2.9916% | 2,341 |
| Loan and lease loss provision to assets | 0.0636% | 2,972 |
| Net operating income to assets | 0.8511% | 3,145 |
| Return on assets (ROA) | 0.8583% | 3,235 |
| Pretax return on assets | 1.1567% | 3,017 |
| Return on Equity (ROE) | 7.3271% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.8421% | 2,273 |
| Net charge-offs to loans | 0.1762% | 1,312 |
| Credit loss provision to net charge-offs | 52.1739% | 3,003 |
| Earnings coverage of net charge-offs (x) | 9.9345% | 2,632 |
| Efficiency ratio | 71.1914% | 2,706 |
| Assets per employee ($millions) | 2.9580% | 5,421 |
| Cash dividends to net income (ytd only)* | 20.2674% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 1,253 |
| Loan loss allowance to noncurrent loans | 912.6263% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 4,637 |
| Noncurrent loans to loans | 0.1847% | 4,609 |
| Net loans and leases to total assets | 68.5269% | 2,720 |
| Net loans and leases to deposits | 79.8521% | 2,986 |
| Net loans and leases to core deposits | 90.0243% | 2,575 |
| Total domestic deposits to total assets | 85.8173% | 2,446 |
| Equity capital to assets | 11.7824% | 2,275 |
| Core capital (leverage) ratio | 12.5307% | 1,389 |
| Tier 1 risk-based capital ratio | 17.9431% | 1,941 |
| Total risk-based capital ratio | 19.1990% | 1,902 |
| Memoranda: | ||
| Average total assets | $150,995,000 | 3,523 |
| Average earning assets | $139,002,000 | 3,528 |
| Average equity | $17,687,250 | 3,481 |
| Average total loans | $104,435,250 | 3,319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,676 |
| Cost of funding earning assets | 0.4418% | 2,644 |
| Net interest margin | 3.7079% | 2,664 |
| Noninterest income to average assets | 0.7064% | 2,119 |
| Noninterest expense to average assets | 2.9016% | 2,666 |
| Loan and lease loss provision to assets | 0.0640% | 2,868 |
| Net operating income to assets | 0.8570% | 3,062 |
| Return on assets (ROA) | 0.8570% | 3,185 |
| Pretax return on assets | 1.1529% | 2,979 |
| Return on Equity (ROE) | 7.3310% | 3,352 |
| Retained earnings to average equity (ytd only) | 5.8260% | 2,223 |
| Net charge-offs to loans | 0.3014% | 791 |
| Credit loss provision to net charge-offs | 30.7692% | 2,851 |
| Earnings coverage of net charge-offs (x) | 5.8526% | 2,807 |
| Efficiency ratio | 70.4531% | 2,908 |
| Assets per employee ($millions) | 2.9736% | 5,458 |
| Cash dividends to net income (ytd only)* | 20.5288% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 1,258 |
| Loan loss allowance to noncurrent loans | 2,262.8205% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,198 |
| Noncurrent loans to loans | 0.0755% | 5,149 |
| Net loans and leases to total assets | 65.6595% | 3,127 |
| Net loans and leases to deposits | 74.5526% | 3,519 |
| Net loans and leases to core deposits | 84.1181% | 3,070 |
| Total domestic deposits to total assets | 88.0714% | 1,394 |
| Equity capital to assets | 11.5587% | 2,485 |
| Core capital (leverage) ratio | 12.2319% | 1,505 |
| Tier 1 risk-based capital ratio | 18.2129% | 1,873 |
| Total risk-based capital ratio | 19.4693% | 1,838 |
| Memoranda: | ||
| Average total assets | $150,055,330 | 3,560 |
| Average earning assets | $138,085,000 | 3,563 |
| Average equity | $17,542,000 | 3,510 |
| Average total loans | $103,510,000 | 3,352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1966% | 2,487 |
| Cost of funding earning assets | 0.4523% | 2,555 |
| Net interest margin | 3.7443% | 2,502 |
| Noninterest income to average assets | 0.6713% | 2,165 |
| Noninterest expense to average assets | 2.9343% | 2,593 |
| Loan and lease loss provision to assets | 0.0650% | 2,660 |
| Net operating income to assets | 0.8364% | 3,056 |
| Return on assets (ROA) | 0.8364% | 3,184 |
| Pretax return on assets | 1.1234% | 2,999 |
| Return on Equity (ROE) | 7.1131% | 3,398 |
| Retained earnings to average equity (ytd only) | 5.5938% | 2,586 |
| Net charge-offs to loans | -0.0695% | 5,489 |
| Credit loss provision to net charge-offs | -133.3333% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1753% | 2,920 |
| Assets per employee ($millions) | 2.9394% | 5,562 |
| Cash dividends to net income (ytd only)* | 21.3592% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8476% | 1,062 |
| Loan loss allowance to noncurrent loans | 301.5748% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4269% | 3,882 |
| Noncurrent loans to loans | 0.6127% | 3,337 |
| Net loans and leases to total assets | 67.8634% | 2,665 |
| Net loans and leases to deposits | 77.2658% | 3,079 |
| Net loans and leases to core deposits | 87.9487% | 2,571 |
| Total domestic deposits to total assets | 87.8311% | 1,732 |
| Equity capital to assets | 11.6732% | 2,268 |
| Core capital (leverage) ratio | 12.4133% | 1,375 |
| Tier 1 risk-based capital ratio | 18.0271% | 1,978 |
| Total risk-based capital ratio | 19.2860% | 1,941 |
| Memoranda: | ||
| Average total assets | $147,769,000 | 3,611 |
| Average earning assets | $136,207,000 | 3,616 |
| Average equity | $17,376,500 | 3,531 |
| Average total loans | $103,618,500 | 3,363 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2723% | 2,305 |
| Cost of funding earning assets | 0.4884% | 2,277 |
| Net interest margin | 3.7839% | 2,430 |
| Noninterest income to average assets | 0.6801% | 2,291 |
| Noninterest expense to average assets | 3.0148% | 2,493 |
| Loan and lease loss provision to assets | 0.1028% | 2,268 |
| Net operating income to assets | 0.8503% | 3,114 |
| Return on assets (ROA) | 0.8942% | 2,987 |
| Pretax return on assets | 1.0906% | 3,107 |
| Return on Equity (ROE) | 7.5270% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.0453% | 1,773 |
| Net charge-offs to loans | 0.0173% | 3,937 |
| Credit loss provision to net charge-offs | 858.8235% | 395 |
| Earnings coverage of net charge-offs (x) | 95.2353% | 604 |
| Efficiency ratio | 72.5640% | 2,820 |
| Assets per employee ($millions) | 2.8555% | 5,654 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 1,115 |
| Loan loss allowance to noncurrent loans | 290.3876% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,843 |
| Noncurrent loans to loans | 0.6226% | 3,318 |
| Net loans and leases to total assets | 69.8457% | 2,390 |
| Net loans and leases to deposits | 79.5820% | 2,873 |
| Net loans and leases to core deposits | 90.7450% | 2,341 |
| Total domestic deposits to total assets | 87.7657% | 1,767 |
| Equity capital to assets | 11.8478% | 2,072 |
| Core capital (leverage) ratio | 12.3754% | 1,411 |
| Tier 1 risk-based capital ratio | 17.9255% | 1,985 |
| Total risk-based capital ratio | 19.1834% | 1,939 |
| Memoranda: | ||
| Average total assets | $142,032,400 | 3,695 |
| Average earning assets | $130,421,600 | 3,695 |
| Average equity | $16,872,600 | 3,547 |
| Average total loans | $98,225,400 | 3,416 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,376 |
| Cost of funding earning assets | 0.4996% | 2,212 |
| Net interest margin | 3.7579% | 2,532 |
| Noninterest income to average assets | 0.6434% | 2,512 |
| Noninterest expense to average assets | 3.0127% | 2,482 |
| Loan and lease loss provision to assets | 0.1096% | 2,053 |
| Net operating income to assets | 0.7239% | 3,798 |
| Return on assets (ROA) | 0.7756% | 3,641 |
| Pretax return on assets | 1.0364% | 3,480 |
| Return on Equity (ROE) | 6.5245% | 3,893 |
| Retained earnings to average equity (ytd only) | 5.0305% | 2,894 |
| Net charge-offs to loans | 0.0372% | 3,157 |
| Credit loss provision to net charge-offs | 429.6296% | 717 |
| Earnings coverage of net charge-offs (x) | 42.2211% | 1,187 |
| Efficiency ratio | 73.6660% | 2,614 |
| Assets per employee ($millions) | 2.9599% | 5,591 |
| Cash dividends to net income (ytd only)* | 22.8989% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 1,224 |
| Loan loss allowance to noncurrent loans | 301.4803% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 4,099 |
| Noncurrent loans to loans | 0.6044% | 3,504 |
| Net loans and leases to total assets | 68.1004% | 2,659 |
| Net loans and leases to deposits | 80.6441% | 2,804 |
| Net loans and leases to core deposits | 92.2617% | 2,236 |
| Total domestic deposits to total assets | 84.4456% | 3,239 |
| Equity capital to assets | 11.7077% | 2,340 |
| Core capital (leverage) ratio | 12.5160% | 1,410 |
| Tier 1 risk-based capital ratio | 17.8513% | 2,071 |
| Total risk-based capital ratio | 19.1092% | 2,036 |
| Memoranda: | ||
| Average total assets | $141,132,750 | 3,735 |
| Average earning assets | $129,431,000 | 3,747 |
| Average equity | $16,777,250 | 3,589 |
| Average total loans | $96,884,250 | 3,473 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,397 |
| Cost of funding earning assets | 0.5102% | 2,162 |
| Net interest margin | 3.7288% | 2,587 |
| Noninterest income to average assets | 0.6608% | 2,414 |
| Noninterest expense to average assets | 2.9550% | 2,694 |
| Loan and lease loss provision to assets | 0.1373% | 1,594 |
| Net operating income to assets | 0.7509% | 3,639 |
| Return on assets (ROA) | 0.7509% | 3,738 |
| Pretax return on assets | 0.9869% | 3,633 |
| Return on Equity (ROE) | 6.2838% | 3,998 |
| Retained earnings to average equity (ytd only) | 4.7876% | 2,998 |
| Net charge-offs to loans | 0.0690% | 2,408 |
| Credit loss provision to net charge-offs | 290.9091% | 946 |
| Earnings coverage of net charge-offs (x) | 23.8182% | 1,593 |
| Efficiency ratio | 72.4404% | 2,943 |
| Assets per employee ($millions) | 3.0312% | 5,557 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 1,208 |
| Loan loss allowance to noncurrent loans | 291.9225% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 4,152 |
| Noncurrent loans to loans | 0.6444% | 3,549 |
| Net loans and leases to total assets | 67.5980% | 2,700 |
| Net loans and leases to deposits | 77.3103% | 3,117 |
| Net loans and leases to core deposits | 88.6832% | 2,486 |
| Total domestic deposits to total assets | 87.4372% | 1,937 |
| Equity capital to assets | 12.0249% | 2,006 |
| Core capital (leverage) ratio | 12.3540% | 1,460 |
| Tier 1 risk-based capital ratio | 18.3773% | 1,959 |
| Total risk-based capital ratio | 19.6356% | 1,919 |
| Memoranda: | ||
| Average total assets | $139,832,670 | 3,784 |
| Average earning assets | $128,189,670 | 3,793 |
| Average equity | $16,709,670 | 3,608 |
| Average total loans | $95,645,330 | 3,520 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 2,336 |
| Cost of funding earning assets | 0.5144% | 2,159 |
| Net interest margin | 3.7189% | 2,562 |
| Noninterest income to average assets | 0.6456% | 2,422 |
| Noninterest expense to average assets | 2.8794% | 2,972 |
| Loan and lease loss provision to assets | 0.1371% | 1,503 |
| Net operating income to assets | 0.7798% | 3,364 |
| Return on assets (ROA) | 0.7798% | 3,496 |
| Pretax return on assets | 1.0369% | 3,355 |
| Return on Equity (ROE) | 6.5464% | 3,740 |
| Retained earnings to average equity (ytd only) | 5.0357% | 3,031 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0359% | 3,314 |
| Assets per employee ($millions) | 3.1342% | 5,502 |
| Cash dividends to net income (ytd only)* | 23.0769% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 1,278 |
| Loan loss allowance to noncurrent loans | 240.2145% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,909 |
| Noncurrent loans to loans | 0.7920% | 3,270 |
| Net loans and leases to total assets | 65.5138% | 2,848 |
| Net loans and leases to deposits | 74.7996% | 3,182 |
| Net loans and leases to core deposits | 85.5865% | 2,596 |
| Total domestic deposits to total assets | 87.5857% | 2,052 |
| Equity capital to assets | 11.8917% | 2,116 |
| Core capital (leverage) ratio | 12.1777% | 1,525 |
| Tier 1 risk-based capital ratio | 18.3887% | 2,037 |
| Total risk-based capital ratio | 19.6382% | 1,990 |
| Memoranda: | ||
| Average total assets | $140,031,000 | 3,810 |
| Average earning assets | $128,317,000 | 3,823 |
| Average equity | $16,681,000 | 3,630 |
| Average total loans | $95,436,500 | 3,536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 2,051 |
| Cost of funding earning assets | 0.5639% | 2,104 |
| Net interest margin | 3.8905% | 2,276 |
| Noninterest income to average assets | 0.6180% | 2,751 |
| Noninterest expense to average assets | 2.9227% | 3,077 |
| Loan and lease loss provision to assets | 0.1856% | 1,387 |
| Net operating income to assets | 0.9012% | 2,864 |
| Return on assets (ROA) | 0.9104% | 2,917 |
| Pretax return on assets | 1.0931% | 3,112 |
| Return on Equity (ROE) | 7.7053% | 3,271 |
| Retained earnings to average equity (ytd only) | 6.2091% | 1,805 |
| Net charge-offs to loans | 0.1647% | 2,385 |
| Credit loss provision to net charge-offs | 159.4937% | 1,516 |
| Earnings coverage of net charge-offs (x) | 10.8924% | 2,570 |
| Efficiency ratio | 69.7486% | 3,572 |
| Assets per employee ($millions) | 3.1596% | 5,495 |
| Cash dividends to net income (ytd only)* | 19.4175% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8039% | 1,523 |
| Loan loss allowance to noncurrent loans | 218.5464% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 3,874 |
| Noncurrent loans to loans | 0.8254% | 3,247 |
| Net loans and leases to total assets | 68.2887% | 2,517 |
| Net loans and leases to deposits | 78.0713% | 2,966 |
| Net loans and leases to core deposits | 91.0903% | 2,179 |
| Total domestic deposits to total assets | 87.4697% | 2,051 |
| Equity capital to assets | 11.9333% | 2,060 |
| Core capital (leverage) ratio | 11.9786% | 1,634 |
| Tier 1 risk-based capital ratio | 18.2117% | 2,076 |
| Total risk-based capital ratio | 19.4697% | 2,034 |
| Memoranda: | ||
| Average total assets | $135,765,600 | 3,879 |
| Average earning assets | $124,663,600 | 3,869 |
| Average equity | $16,041,000 | 3,660 |
| Average total loans | $95,921,000 | 3,503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,083 |
| Cost of funding earning assets | 0.5649% | 2,150 |
| Net interest margin | 3.8757% | 2,334 |
| Noninterest income to average assets | 0.6748% | 2,453 |
| Noninterest expense to average assets | 2.9274% | 3,031 |
| Loan and lease loss provision to assets | 0.1867% | 1,303 |
| Net operating income to assets | 0.8566% | 3,142 |
| Return on assets (ROA) | 0.8566% | 3,235 |
| Pretax return on assets | 1.1263% | 3,084 |
| Return on Equity (ROE) | 7.2685% | 3,572 |
| Retained earnings to average equity (ytd only) | 5.7595% | 2,564 |
| Net charge-offs to loans | 0.1602% | 2,202 |
| Credit loss provision to net charge-offs | 164.3478% | 1,488 |
| Earnings coverage of net charge-offs (x) | 11.5565% | 2,413 |
| Efficiency ratio | 69.0354% | 3,669 |
| Assets per employee ($millions) | 3.2140% | 5,398 |
| Cash dividends to net income (ytd only)* | 20.7609% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7477% | 1,832 |
| Loan loss allowance to noncurrent loans | 216.3112% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 4,113 |
| Noncurrent loans to loans | 0.8079% | 3,557 |
| Net loans and leases to total assets | 70.1302% | 2,173 |
| Net loans and leases to deposits | 80.2494% | 2,654 |
| Net loans and leases to core deposits | 93.7359% | 1,895 |
| Total domestic deposits to total assets | 87.3903% | 2,096 |
| Equity capital to assets | 11.8702% | 2,177 |
| Core capital (leverage) ratio | 12.0820% | 1,649 |
| Tier 1 risk-based capital ratio | 17.1949% | 2,529 |
| Total risk-based capital ratio | 18.4517% | 2,486 |
| Memoranda: | ||
| Average total assets | $134,951,250 | 3,918 |
| Average earning assets | $124,153,750 | 3,909 |
| Average equity | $15,903,750 | 3,706 |
| Average total loans | $95,731,000 | 3,540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 2,114 |
| Cost of funding earning assets | 0.5605% | 2,256 |
| Net interest margin | 3.8588% | 2,339 |
| Noninterest income to average assets | 0.6574% | 2,497 |
| Noninterest expense to average assets | 2.9402% | 3,034 |
| Loan and lease loss provision to assets | 0.1882% | 1,291 |
| Net operating income to assets | 0.8441% | 3,104 |
| Return on assets (ROA) | 0.8441% | 3,204 |
| Pretax return on assets | 1.0981% | 3,108 |
| Return on Equity (ROE) | 7.1807% | 3,525 |
| Retained earnings to average equity (ytd only) | 5.6556% | 2,541 |
| Net charge-offs to loans | 0.0823% | 2,868 |
| Credit loss provision to net charge-offs | 323.0769% | 808 |
| Earnings coverage of net charge-offs (x) | 22.0769% | 1,516 |
| Efficiency ratio | 69.5652% | 3,726 |
| Assets per employee ($millions) | 3.0026% | 5,744 |
| Cash dividends to net income (ytd only)* | 21.2389% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 1,827 |
| Loan loss allowance to noncurrent loans | 191.5105% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 3,936 |
| Noncurrent loans to loans | 0.9441% | 3,356 |
| Net loans and leases to total assets | 69.8161% | 2,117 |
| Net loans and leases to deposits | 79.7902% | 2,540 |
| Net loans and leases to core deposits | 93.0287% | 1,861 |
| Total domestic deposits to total assets | 87.4995% | 2,198 |
| Equity capital to assets | 11.9321% | 2,036 |
| Core capital (leverage) ratio | 12.1305% | 1,583 |
| Tier 1 risk-based capital ratio | 17.8242% | 2,301 |
| Total risk-based capital ratio | 19.0831% | 2,269 |
| Memoranda: | ||
| Average total assets | $133,867,330 | 3,959 |
| Average earning assets | $123,819,330 | 3,936 |
| Average equity | $15,736,670 | 3,735 |
| Average total loans | $94,759,330 | 3,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3573% | 2,304 |
| Cost of funding earning assets | 0.5734% | 2,219 |
| Net interest margin | 3.7839% | 2,532 |
| Noninterest income to average assets | 0.6634% | 2,379 |
| Noninterest expense to average assets | 2.9480% | 3,056 |
| Loan and lease loss provision to assets | 0.1891% | 1,259 |
| Net operating income to assets | 0.8075% | 3,114 |
| Return on assets (ROA) | 0.8075% | 3,193 |
| Pretax return on assets | 1.0327% | 3,201 |
| Return on Equity (ROE) | 6.9223% | 3,517 |
| Retained earnings to average equity (ytd only) | 5.3783% | 2,868 |
| Net charge-offs to loans | -0.0298% | 5,551 |
| Credit loss provision to net charge-offs | -900.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6983% | 3,704 |
| Assets per employee ($millions) | 3.1084% | 5,673 |
| Cash dividends to net income (ytd only)* | 22.3048% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 1,919 |
| Loan loss allowance to noncurrent loans | 207.2289% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,263 |
| Noncurrent loans to loans | 0.8896% | 3,655 |
| Net loans and leases to total assets | 68.5169% | 2,141 |
| Net loans and leases to deposits | 78.1495% | 2,535 |
| Net loans and leases to core deposits | 89.2159% | 1,982 |
| Total domestic deposits to total assets | 87.6741% | 2,421 |
| Equity capital to assets | 11.7558% | 2,049 |
| Core capital (leverage) ratio | 12.2865% | 1,485 |
| Tier 1 risk-based capital ratio | 18.0863% | 2,261 |
| Total risk-based capital ratio | 19.3455% | 2,229 |
| Memoranda: | ||
| Average total assets | $133,243,500 | 4,004 |
| Average earning assets | $123,471,500 | 3,974 |
| Average equity | $15,544,000 | 3,776 |
| Average total loans | $94,104,500 | 3,605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 2,348 |
| Cost of funding earning assets | 0.6258% | 2,432 |
| Net interest margin | 3.8379% | 2,510 |
| Noninterest income to average assets | 0.8806% | 1,751 |
| Noninterest expense to average assets | 3.0407% | 2,931 |
| Loan and lease loss provision to assets | 0.2874% | 1,197 |
| Net operating income to assets | 0.9374% | 2,612 |
| Return on assets (ROA) | 0.9715% | 2,529 |
| Pretax return on assets | 1.1410% | 2,802 |
| Return on Equity (ROE) | 8.3668% | 2,846 |
| Retained earnings to average equity (ytd only) | 6.7744% | 1,540 |
| Net charge-offs to loans | 0.4204% | 1,591 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.8311% | 3,440 |
| Efficiency ratio | 68.6554% | 4,072 |
| Assets per employee ($millions) | 3.2396% | 5,408 |
| Cash dividends to net income (ytd only)* | 19.0325% | 3,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7385% | 2,274 |
| Loan loss allowance to noncurrent loans | 171.6961% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 4,069 |
| Noncurrent loans to loans | 1.0126% | 3,489 |
| Net loans and leases to total assets | 70.2112% | 1,979 |
| Net loans and leases to deposits | 82.5555% | 2,122 |
| Net loans and leases to core deposits | 92.5849% | 1,714 |
| Total domestic deposits to total assets | 85.0472% | 3,718 |
| Equity capital to assets | 11.5754% | 2,114 |
| Core capital (leverage) ratio | 12.1230% | 1,526 |
| Tier 1 risk-based capital ratio | 17.2644% | 2,506 |
| Total risk-based capital ratio | 18.5211% | 2,478 |
| Memoranda: | ||
| Average total assets | $129,803,600 | 4,076 |
| Average earning assets | $120,015,000 | 4,048 |
| Average equity | $15,071,400 | 3,854 |
| Average total loans | $88,732,600 | 3,718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4725% | 2,336 |
| Cost of funding earning assets | 0.6386% | 2,469 |
| Net interest margin | 3.8339% | 2,524 |
| Noninterest income to average assets | 0.7666% | 2,293 |
| Noninterest expense to average assets | 3.1471% | 2,511 |
| Loan and lease loss provision to assets | 0.1953% | 1,864 |
| Net operating income to assets | 0.7438% | 3,631 |
| Return on assets (ROA) | 0.7852% | 3,555 |
| Pretax return on assets | 1.0198% | 3,422 |
| Return on Equity (ROE) | 6.7574% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.1569% | 2,966 |
| Net charge-offs to loans | 0.2707% | 2,197 |
| Credit loss provision to net charge-offs | 106.7797% | 2,198 |
| Earnings coverage of net charge-offs (x) | 6.3504% | 2,993 |
| Efficiency ratio | 73.0456% | 3,213 |
| Assets per employee ($millions) | 3.2583% | 5,367 |
| Cash dividends to net income (ytd only)* | 23.6838% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8384% | 2,178 |
| Loan loss allowance to noncurrent loans | 144.3962% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 3,596 |
| Noncurrent loans to loans | 1.2731% | 3,278 |
| Net loans and leases to total assets | 68.0925% | 2,279 |
| Net loans and leases to deposits | 78.0409% | 2,660 |
| Net loans and leases to core deposits | 88.3404% | 2,151 |
| Total domestic deposits to total assets | 87.2524% | 2,533 |
| Equity capital to assets | 11.4502% | 2,333 |
| Core capital (leverage) ratio | 11.9127% | 1,725 |
| Tier 1 risk-based capital ratio | 17.7069% | 2,435 |
| Total risk-based capital ratio | 18.9655% | 2,399 |
| Memoranda: | ||
| Average total assets | $129,048,250 | 4,136 |
| Average earning assets | $119,214,000 | 4,109 |
| Average equity | $14,995,500 | 3,911 |
| Average total loans | $87,188,750 | 3,784 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,331 |
| Cost of funding earning assets | 0.6492% | 2,507 |
| Net interest margin | 3.8163% | 2,490 |
| Noninterest income to average assets | 0.8335% | 2,051 |
| Noninterest expense to average assets | 3.1426% | 2,540 |
| Loan and lease loss provision to assets | 0.1959% | 1,939 |
| Net operating income to assets | 0.7782% | 3,415 |
| Return on assets (ROA) | 0.8397% | 3,255 |
| Pretax return on assets | 1.1040% | 3,083 |
| Return on Equity (ROE) | 7.1906% | 3,492 |
| Retained earnings to average equity (ytd only) | 5.5927% | 2,678 |
| Net charge-offs to loans | 0.4088% | 1,582 |
| Credit loss provision to net charge-offs | 71.5909% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.4545% | 3,123 |
| Efficiency ratio | 72.0499% | 3,458 |
| Assets per employee ($millions) | 3.2601% | 5,353 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8057% | 2,421 |
| Loan loss allowance to noncurrent loans | 154.4402% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 3,803 |
| Noncurrent loans to loans | 1.1692% | 3,600 |
| Net loans and leases to total assets | 68.4342% | 2,162 |
| Net loans and leases to deposits | 78.7927% | 2,482 |
| Net loans and leases to core deposits | 89.3024% | 1,973 |
| Total domestic deposits to total assets | 86.8535% | 2,907 |
| Equity capital to assets | 11.7001% | 2,127 |
| Core capital (leverage) ratio | 11.8102% | 1,716 |
| Tier 1 risk-based capital ratio | 17.7382% | 2,420 |
| Total risk-based capital ratio | 18.9960% | 2,384 |
| Memoranda: | ||
| Average total assets | $128,621,000 | 4,170 |
| Average earning assets | $118,911,670 | 4,143 |
| Average equity | $15,019,670 | 3,939 |
| Average total loans | $86,116,000 | 3,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 2,231 |
| Cost of funding earning assets | 0.6611% | 2,555 |
| Net interest margin | 3.8198% | 2,377 |
| Noninterest income to average assets | 0.8132% | 2,078 |
| Noninterest expense to average assets | 3.0860% | 2,720 |
| Loan and lease loss provision to assets | 0.1948% | 1,904 |
| Net operating income to assets | 0.8009% | 3,164 |
| Return on assets (ROA) | 0.9215% | 2,702 |
| Pretax return on assets | 1.2307% | 2,468 |
| Return on Equity (ROE) | 7.8985% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.3082% | 2,505 |
| Net charge-offs to loans | 0.4713% | 1,271 |
| Credit loss provision to net charge-offs | 63.0000% | 2,392 |
| Earnings coverage of net charge-offs (x) | 4.0900% | 2,616 |
| Efficiency ratio | 70.9311% | 3,803 |
| Assets per employee ($millions) | 3.2418% | 5,549 |
| Cash dividends to net income (ytd only)* | 20.1342% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9014% | 2,294 |
| Loan loss allowance to noncurrent loans | 144.2755% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 3,989 |
| Noncurrent loans to loans | 1.3179% | 3,585 |
| Net loans and leases to total assets | 64.1775% | 2,672 |
| Net loans and leases to deposits | 73.8969% | 2,929 |
| Net loans and leases to core deposits | 82.7210% | 2,481 |
| Total domestic deposits to total assets | 86.8474% | 3,050 |
| Equity capital to assets | 11.6835% | 2,269 |
| Core capital (leverage) ratio | 11.7762% | 1,689 |
| Tier 1 risk-based capital ratio | 18.4365% | 2,213 |
| Total risk-based capital ratio | 19.6950% | 2,183 |
| Memoranda: | ||
| Average total assets | $129,359,500 | 4,196 |
| Average earning assets | $119,796,500 | 4,156 |
| Average equity | $15,091,500 | 3,979 |
| Average total loans | $84,869,000 | 3,871 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8697% | 1,950 |
| Cost of funding earning assets | 0.7958% | 2,699 |
| Net interest margin | 4.0738% | 2,106 |
| Noninterest income to average assets | 0.8384% | 2,092 |
| Noninterest expense to average assets | 3.0640% | 3,032 |
| Loan and lease loss provision to assets | 0.3255% | 2,092 |
| Net operating income to assets | 0.9542% | 2,526 |
| Return on assets (ROA) | 1.0109% | 2,506 |
| Pretax return on assets | 1.2849% | 2,467 |
| Return on Equity (ROE) | 8.9497% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.5675% | 1,302 |
| Net charge-offs to loans | 0.3156% | 3,062 |
| Credit loss provision to net charge-offs | 156.1798% | 1,733 |
| Earnings coverage of net charge-offs (x) | 7.3820% | 2,617 |
| Efficiency ratio | 66.5706% | 4,399 |
| Assets per employee ($millions) | 3.3089% | 5,403 |
| Cash dividends to net income (ytd only)* | 15.4440% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,165 |
| Loan loss allowance to noncurrent loans | 195.9620% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 4,574 |
| Noncurrent loans to loans | 0.9917% | 4,210 |
| Net loans and leases to total assets | 64.5150% | 2,811 |
| Net loans and leases to deposits | 74.3643% | 3,043 |
| Net loans and leases to core deposits | 83.5350% | 2,600 |
| Total domestic deposits to total assets | 86.7554% | 2,958 |
| Equity capital to assets | 11.6491% | 2,306 |
| Core capital (leverage) ratio | 11.3248% | 1,998 |
| Tier 1 risk-based capital ratio | 18.3553% | 2,153 |
| Total risk-based capital ratio | 19.6145% | 2,109 |
| Memoranda: | ||
| Average total assets | $128,102,000 | 4,183 |
| Average earning assets | $118,365,600 | 4,149 |
| Average equity | $14,469,800 | 4,070 |
| Average total loans | $84,596,800 | 3,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 2,002 |
| Cost of funding earning assets | 0.8211% | 2,765 |
| Net interest margin | 4.0807% | 2,167 |
| Noninterest income to average assets | 0.8655% | 1,962 |
| Noninterest expense to average assets | 3.1324% | 2,794 |
| Loan and lease loss provision to assets | 0.2763% | 2,366 |
| Net operating income to assets | 0.8511% | 3,210 |
| Return on assets (ROA) | 0.9562% | 2,938 |
| Pretax return on assets | 1.3743% | 2,328 |
| Return on Equity (ROE) | 8.5326% | 3,030 |
| Retained earnings to average equity (ytd only) | 7.1369% | 2,039 |
| Net charge-offs to loans | 0.4070% | 2,468 |
| Credit loss provision to net charge-offs | 102.7132% | 2,864 |
| Earnings coverage of net charge-offs (x) | 5.5775% | 2,984 |
| Efficiency ratio | 67.6120% | 4,151 |
| Assets per employee ($millions) | 3.5913% | 4,768 |
| Cash dividends to net income (ytd only)* | 16.3580% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7622% | 2,926 |
| Loan loss allowance to noncurrent loans | 173.0195% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 4,689 |
| Noncurrent loans to loans | 1.0185% | 4,415 |
| Net loans and leases to total assets | 64.9812% | 2,844 |
| Net loans and leases to deposits | 74.7010% | 3,184 |
| Net loans and leases to core deposits | 85.2756% | 2,553 |
| Total domestic deposits to total assets | 86.9884% | 2,674 |
| Equity capital to assets | 11.4476% | 2,806 |
| Core capital (leverage) ratio | 11.4942% | 1,991 |
| Tier 1 risk-based capital ratio | 17.5977% | 2,496 |
| Total risk-based capital ratio | 18.8551% | 2,465 |
| Memoranda: | ||
| Average total assets | $127,865,250 | 4,235 |
| Average earning assets | $118,049,500 | 4,198 |
| Average equity | $14,329,000 | 4,138 |
| Average total loans | $84,519,500 | 3,939 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8890% | 2,155 |
| Cost of funding earning assets | 0.8418% | 2,865 |
| Net interest margin | 4.0473% | 2,306 |
| Noninterest income to average assets | 0.7787% | 2,299 |
| Noninterest expense to average assets | 3.0960% | 2,940 |
| Loan and lease loss provision to assets | 0.2826% | 2,313 |
| Net operating income to assets | 0.7907% | 3,427 |
| Return on assets (ROA) | 0.9467% | 2,937 |
| Pretax return on assets | 1.3627% | 2,340 |
| Return on Equity (ROE) | 8.5097% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.0985% | 2,046 |
| Net charge-offs to loans | 0.4894% | 2,116 |
| Credit loss provision to net charge-offs | 87.3786% | 3,118 |
| Earnings coverage of net charge-offs (x) | 4.3883% | 3,103 |
| Efficiency ratio | 68.5675% | 4,029 |
| Assets per employee ($millions) | 3.2317% | 5,591 |
| Cash dividends to net income (ytd only)* | 16.5837% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 3,094 |
| Loan loss allowance to noncurrent loans | 156.1441% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 4,541 |
| Noncurrent loans to loans | 1.1114% | 4,299 |
| Net loans and leases to total assets | 66.2226% | 2,626 |
| Net loans and leases to deposits | 76.2418% | 2,950 |
| Net loans and leases to core deposits | 86.2358% | 2,396 |
| Total domestic deposits to total assets | 86.8586% | 2,855 |
| Equity capital to assets | 11.4419% | 2,645 |
| Core capital (leverage) ratio | 11.2033% | 2,120 |
| Tier 1 risk-based capital ratio | 17.3219% | 2,540 |
| Total risk-based capital ratio | 18.5691% | 2,505 |
| Memoranda: | ||
| Average total assets | $127,392,000 | 4,262 |
| Average earning assets | $117,610,000 | 4,227 |
| Average equity | $14,172,000 | 4,165 |
| Average total loans | $84,186,670 | 3,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 2,284 |
| Cost of funding earning assets | 0.8665% | 2,944 |
| Net interest margin | 4.0245% | 2,403 |
| Noninterest income to average assets | 0.8589% | 1,912 |
| Noninterest expense to average assets | 3.1046% | 2,900 |
| Loan and lease loss provision to assets | 0.3748% | 1,684 |
| Net operating income to assets | 0.7284% | 3,740 |
| Return on assets (ROA) | 1.0213% | 2,586 |
| Pretax return on assets | 1.5304% | 1,799 |
| Return on Equity (ROE) | 9.3113% | 2,674 |
| Retained earnings to average equity (ytd only) | 7.8875% | 2,028 |
| Net charge-offs to loans | 0.2195% | 2,827 |
| Credit loss provision to net charge-offs | 260.8696% | 1,109 |
| Earnings coverage of net charge-offs (x) | 10.2174% | 1,773 |
| Efficiency ratio | 67.8962% | 4,195 |
| Assets per employee ($millions) | 3.4312% | 5,273 |
| Cash dividends to net income (ytd only)* | 15.2905% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 2,701 |
| Loan loss allowance to noncurrent loans | 141.4196% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0699% | 4,355 |
| Noncurrent loans to loans | 1.3370% | 4,113 |
| Net loans and leases to total assets | 62.6419% | 3,135 |
| Net loans and leases to deposits | 71.7032% | 3,473 |
| Net loans and leases to core deposits | 80.8848% | 2,960 |
| Total domestic deposits to total assets | 87.3627% | 2,738 |
| Equity capital to assets | 10.8625% | 3,071 |
| Core capital (leverage) ratio | 11.0403% | 2,230 |
| Tier 1 risk-based capital ratio | 17.3971% | 2,518 |
| Total risk-based capital ratio | 18.6560% | 2,481 |
| Memoranda: | ||
| Average total assets | $128,069,500 | 4,279 |
| Average earning assets | $118,175,500 | 4,247 |
| Average equity | $14,047,500 | 4,190 |
| Average total loans | $83,810,500 | 4,014 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 1,908 |
| Cost of funding earning assets | 1.0396% | 3,098 |
| Net interest margin | 4.2010% | 2,054 |
| Noninterest income to average assets | 0.6664% | 2,798 |
| Noninterest expense to average assets | 3.0284% | 3,488 |
| Loan and lease loss provision to assets | 0.3882% | 2,664 |
| Net operating income to assets | 0.8373% | 2,890 |
| Return on assets (ROA) | 0.8503% | 2,970 |
| Pretax return on assets | 1.1408% | 2,693 |
| Return on Equity (ROE) | 7.7253% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.4129% | 1,797 |
| Net charge-offs to loans | 0.2557% | 4,181 |
| Credit loss provision to net charge-offs | 227.4038% | 1,066 |
| Earnings coverage of net charge-offs (x) | 8.8558% | 2,080 |
| Efficiency ratio | 66.7028% | 4,623 |
| Assets per employee ($millions) | 3.3093% | 5,491 |
| Cash dividends to net income (ytd only)* | 16.9884% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 2,939 |
| Loan loss allowance to noncurrent loans | 133.4520% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2548% | 4,135 |
| Noncurrent loans to loans | 1.3322% | 4,150 |
| Net loans and leases to total assets | 65.8996% | 2,806 |
| Net loans and leases to deposits | 75.9861% | 3,183 |
| Net loans and leases to core deposits | 85.7595% | 2,665 |
| Total domestic deposits to total assets | 86.7258% | 2,906 |
| Equity capital to assets | 11.0787% | 2,914 |
| Core capital (leverage) ratio | 11.0496% | 2,233 |
| Tier 1 risk-based capital ratio | 17.1928% | 2,517 |
| Total risk-based capital ratio | 18.4513% | 2,473 |
| Memoranda: | ||
| Average total assets | $121,845,600 | 4,351 |
| Average earning assets | $112,353,400 | 4,321 |
| Average equity | $13,410,400 | 4,258 |
| Average total loans | $81,338,000 | 4,099 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 1,902 |
| Cost of funding earning assets | 1.0687% | 3,183 |
| Net interest margin | 4.2208% | 2,018 |
| Noninterest income to average assets | 0.6277% | 3,010 |
| Noninterest expense to average assets | 3.0887% | 3,205 |
| Loan and lease loss provision to assets | 0.2879% | 3,210 |
| Net operating income to assets | 0.8012% | 3,160 |
| Return on assets (ROA) | 0.8174% | 3,238 |
| Pretax return on assets | 1.1649% | 2,766 |
| Return on Equity (ROE) | 7.4396% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.1143% | 2,484 |
| Net charge-offs to loans | 0.3425% | 3,385 |
| Credit loss provision to net charge-offs | 126.0870% | 2,543 |
| Earnings coverage of net charge-offs (x) | 6.2610% | 2,585 |
| Efficiency ratio | 68.3594% | 4,246 |
| Assets per employee ($millions) | 3.3335% | 5,408 |
| Cash dividends to net income (ytd only)* | 17.8141% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,908 |
| Loan loss allowance to noncurrent loans | 264.6817% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.7589% | 5,258 |
| Noncurrent loans to loans | 0.5830% | 5,709 |
| Net loans and leases to total assets | 66.6799% | 2,747 |
| Net loans and leases to deposits | 77.0953% | 3,153 |
| Net loans and leases to core deposits | 86.9064% | 2,660 |
| Total domestic deposits to total assets | 86.4902% | 2,943 |
| Equity capital to assets | 11.2218% | 2,947 |
| Core capital (leverage) ratio | 11.1648% | 2,269 |
| Tier 1 risk-based capital ratio | 17.0624% | 2,624 |
| Total risk-based capital ratio | 18.3056% | 2,582 |
| Memoranda: | ||
| Average total assets | $120,868,250 | 4,398 |
| Average earning assets | $111,413,750 | 4,376 |
| Average equity | $13,280,000 | 4,292 |
| Average total loans | $80,579,500 | 4,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2637% | 2,013 |
| Cost of funding earning assets | 1.1062% | 3,197 |
| Net interest margin | 4.1575% | 2,197 |
| Noninterest income to average assets | 0.5998% | 3,145 |
| Noninterest expense to average assets | 3.0472% | 3,444 |
| Loan and lease loss provision to assets | 0.2632% | 3,294 |
| Net operating income to assets | 0.8116% | 3,019 |
| Return on assets (ROA) | 0.8080% | 3,152 |
| Pretax return on assets | 1.1163% | 2,784 |
| Return on Equity (ROE) | 7.4085% | 3,235 |
| Retained earnings to average equity (ytd only) | 6.0643% | 2,384 |
| Net charge-offs to loans | 0.1784% | 4,100 |
| Credit loss provision to net charge-offs | 222.5352% | 1,345 |
| Earnings coverage of net charge-offs (x) | 11.7042% | 1,686 |
| Efficiency ratio | 68.7594% | 4,377 |
| Assets per employee ($millions) | 3.2904% | 5,441 |
| Cash dividends to net income (ytd only)* | 18.1443% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6327% | 3,570 |
| Loan loss allowance to noncurrent loans | 197.0194% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 5,153 |
| Noncurrent loans to loans | 0.8287% | 5,271 |
| Net loans and leases to total assets | 65.4231% | 3,156 |
| Net loans and leases to deposits | 75.5666% | 3,548 |
| Net loans and leases to core deposits | 85.0804% | 3,062 |
| Total domestic deposits to total assets | 86.5766% | 3,001 |
| Equity capital to assets | 11.1095% | 2,854 |
| Core capital (leverage) ratio | 10.9214% | 2,321 |
| Tier 1 risk-based capital ratio | 17.2857% | 2,418 |
| Total risk-based capital ratio | 18.5405% | 2,389 |
| Memoranda: | ||
| Average total assets | $120,044,330 | 4,452 |
| Average earning assets | $110,644,670 | 4,421 |
| Average equity | $13,093,000 | 4,320 |
| Average total loans | $79,595,330 | 4,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 1,977 |
| Cost of funding earning assets | 1.1356% | 3,261 |
| Net interest margin | 4.1347% | 2,138 |
| Noninterest income to average assets | 0.5839% | 3,279 |
| Noninterest expense to average assets | 3.1042% | 3,227 |
| Loan and lease loss provision to assets | 0.1946% | 3,681 |
| Net operating income to assets | 0.7953% | 3,055 |
| Return on assets (ROA) | 0.7953% | 3,126 |
| Pretax return on assets | 1.0974% | 2,765 |
| Return on Equity (ROE) | 7.3620% | 3,219 |
| Retained earnings to average equity (ytd only) | 5.9952% | 2,636 |
| Net charge-offs to loans | 0.2129% | 3,242 |
| Credit loss provision to net charge-offs | 138.0952% | 2,028 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 1,752 |
| Efficiency ratio | 70.6107% | 4,135 |
| Assets per employee ($millions) | 3.2515% | 5,592 |
| Cash dividends to net income (ytd only)* | 18.5654% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 3,754 |
| Loan loss allowance to noncurrent loans | 212.0339% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 5,351 |
| Noncurrent loans to loans | 0.7518% | 5,519 |
| Net loans and leases to total assets | 64.1924% | 3,404 |
| Net loans and leases to deposits | 74.1502% | 3,735 |
| Net loans and leases to core deposits | 84.4554% | 3,107 |
| Total domestic deposits to total assets | 86.5707% | 3,198 |
| Equity capital to assets | 10.8201% | 2,858 |
| Core capital (leverage) ratio | 11.1570% | 2,069 |
| Tier 1 risk-based capital ratio | 17.2519% | 2,391 |
| Total risk-based capital ratio | 18.5066% | 2,366 |
| Memoranda: | ||
| Average total assets | $119,195,000 | 4,511 |
| Average earning assets | $109,900,000 | 4,473 |
| Average equity | $12,877,000 | 4,370 |
| Average total loans | $78,908,000 | 4,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3996% | 2,673 |
| Cost of funding earning assets | 1.5528% | 2,341 |
| Net interest margin | 3.8468% | 3,746 |
| Noninterest income to average assets | 0.8739% | 1,957 |
| Noninterest expense to average assets | 3.1327% | 3,338 |
| Loan and lease loss provision to assets | 0.4191% | 3,594 |
| Net operating income to assets | 0.6231% | 3,573 |
| Return on assets (ROA) | 0.6840% | 3,417 |
| Pretax return on assets | 1.0008% | 2,930 |
| Return on Equity (ROE) | 6.3008% | 3,451 |
| Retained earnings to average equity (ytd only) | 4.9198% | 2,460 |
| Net charge-offs to loans | 0.5315% | 3,494 |
| Credit loss provision to net charge-offs | 118.5542% | 3,584 |
| Earnings coverage of net charge-offs (x) | 3.7639% | 3,200 |
| Efficiency ratio | 70.1908% | 4,139 |
| Assets per employee ($millions) | 3.1075% | 5,867 |
| Cash dividends to net income (ytd only)* | 21.9178% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5566% | 3,749 |
| Loan loss allowance to noncurrent loans | 187.1212% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 5,595 |
| Noncurrent loans to loans | 0.8319% | 5,388 |
| Net loans and leases to total assets | 66.1416% | 3,441 |
| Net loans and leases to deposits | 76.5215% | 3,760 |
| Net loans and leases to core deposits | 86.8594% | 3,205 |
| Total domestic deposits to total assets | 86.4353% | 3,115 |
| Equity capital to assets | 10.7862% | 2,873 |
| Core capital (leverage) ratio | 10.7224% | 2,365 |
| Tier 1 risk-based capital ratio | 16.7666% | 2,437 |
| Total risk-based capital ratio | 18.0209% | 2,398 |
| Memoranda: | ||
| Average total assets | $117,405,400 | 4,543 |
| Average earning assets | $109,544,600 | 4,477 |
| Average equity | $12,744,400 | 4,412 |
| Average total loans | $78,079,200 | 4,389 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 2,978 |
| Cost of funding earning assets | 1.6415% | 2,154 |
| Net interest margin | 3.7375% | 4,242 |
| Noninterest income to average assets | 0.9110% | 1,757 |
| Noninterest expense to average assets | 3.0582% | 3,542 |
| Loan and lease loss provision to assets | 0.3469% | 3,835 |
| Net operating income to assets | 0.6575% | 3,613 |
| Return on assets (ROA) | 0.7358% | 3,416 |
| Pretax return on assets | 1.1248% | 2,751 |
| Return on Equity (ROE) | 6.7679% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,713 |
| Net charge-offs to loans | 0.7047% | 2,654 |
| Credit loss provision to net charge-offs | 74.2092% | 5,312 |
| Earnings coverage of net charge-offs (x) | 2.8905% | 3,685 |
| Efficiency ratio | 69.3578% | 4,196 |
| Assets per employee ($millions) | 3.0940% | 5,933 |
| Cash dividends to net income (ytd only)* | 20.4022% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 5,055 |
| Loan loss allowance to noncurrent loans | 123.6779% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 5,265 |
| Noncurrent loans to loans | 1.0362% | 5,176 |
| Net loans and leases to total assets | 65.6863% | 3,755 |
| Net loans and leases to deposits | 76.4322% | 4,095 |
| Net loans and leases to core deposits | 86.8290% | 3,539 |
| Total domestic deposits to total assets | 85.9405% | 3,111 |
| Equity capital to assets | 10.8606% | 3,098 |
| Core capital (leverage) ratio | 10.7535% | 2,465 |
| Tier 1 risk-based capital ratio | 16.6281% | 2,494 |
| Total risk-based capital ratio | 17.8792% | 2,454 |
| Memoranda: | ||
| Average total assets | $117,235,250 | 4,602 |
| Average earning assets | $109,733,250 | 4,533 |
| Average equity | $12,746,250 | 4,488 |
| Average total loans | $77,764,250 | 4,476 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 3,415 |
| Cost of funding earning assets | 1.7252% | 1,990 |
| Net interest margin | 3.5859% | 4,880 |
| Noninterest income to average assets | 0.5892% | 3,420 |
| Noninterest expense to average assets | 3.0252% | 3,621 |
| Loan and lease loss provision to assets | 0.1981% | 4,887 |
| Net operating income to assets | 0.5001% | 4,333 |
| Return on assets (ROA) | 0.6219% | 3,909 |
| Pretax return on assets | 0.9182% | 3,425 |
| Return on Equity (ROE) | 5.7181% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.3242% | 3,327 |
| Net charge-offs to loans | 0.2730% | 3,976 |
| Credit loss provision to net charge-offs | 109.5238% | 3,724 |
| Earnings coverage of net charge-offs (x) | 5.1810% | 2,730 |
| Efficiency ratio | 76.3478% | 3,010 |
| Assets per employee ($millions) | 3.0379% | 6,060 |
| Cash dividends to net income (ytd only)* | 24.3767% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 4,274 |
| Loan loss allowance to noncurrent loans | 99.9127% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1665% | 4,803 |
| Noncurrent loans to loans | 1.4341% | 4,561 |
| Net loans and leases to total assets | 66.4824% | 3,737 |
| Net loans and leases to deposits | 77.3067% | 4,115 |
| Net loans and leases to core deposits | 87.0652% | 3,684 |
| Total domestic deposits to total assets | 85.9982% | 3,093 |
| Equity capital to assets | 10.7531% | 3,121 |
| Core capital (leverage) ratio | 10.6789% | 2,477 |
| Tier 1 risk-based capital ratio | 16.3247% | 2,545 |
| Total risk-based capital ratio | 17.5776% | 2,489 |
| Memoranda: | ||
| Average total assets | $116,091,670 | 4,655 |
| Average earning assets | $109,204,670 | 4,579 |
| Average equity | $12,626,670 | 4,520 |
| Average total loans | $76,922,330 | 4,541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 3,779 |
| Cost of funding earning assets | 1.7712% | 2,007 |
| Net interest margin | 3.4800% | 5,239 |
| Noninterest income to average assets | 0.5709% | 3,482 |
| Noninterest expense to average assets | 2.9974% | 3,685 |
| Loan and lease loss provision to assets | 0.1845% | 4,662 |
| Net operating income to assets | 0.5120% | 4,336 |
| Return on assets (ROA) | 0.5918% | 4,073 |
| Pretax return on assets | 0.8007% | 3,860 |
| Return on Equity (ROE) | 5.4097% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.0095% | 3,746 |
| Net charge-offs to loans | -0.0106% | 6,906 |
| Credit loss provision to net charge-offs | -2,650.0000% | 6,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3585% | 3,002 |
| Assets per employee ($millions) | 2.9997% | 6,218 |
| Cash dividends to net income (ytd only)* | 25.8824% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,600 |
| Loan loss allowance to noncurrent loans | 89.4065% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2753% | 4,624 |
| Noncurrent loans to loans | 1.7508% | 4,122 |
| Net loans and leases to total assets | 63.9644% | 4,339 |
| Net loans and leases to deposits | 74.7550% | 4,637 |
| Net loans and leases to core deposits | 83.7281% | 4,244 |
| Total domestic deposits to total assets | 85.5654% | 3,381 |
| Equity capital to assets | 10.8394% | 2,914 |
| Core capital (leverage) ratio | 10.8806% | 2,307 |
| Tier 1 risk-based capital ratio | 17.8643% | 1,985 |
| Total risk-based capital ratio | 19.1198% | 1,951 |
| Memoranda: | ||
| Average total assets | $114,898,500 | 4,742 |
| Average earning assets | $109,079,000 | 4,631 |
| Average equity | $12,570,000 | 4,569 |
| Average total loans | $75,427,500 | 4,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7898% | 2,699 |
| Cost of funding earning assets | 2.1252% | 2,344 |
| Net interest margin | 3.6646% | 4,285 |
| Noninterest income to average assets | 0.7196% | 2,851 |
| Noninterest expense to average assets | 3.4168% | 2,618 |
| Loan and lease loss provision to assets | 0.1519% | 6,146 |
| Net operating income to assets | 0.4386% | 3,976 |
| Return on assets (ROA) | 0.5070% | 3,797 |
| Pretax return on assets | 0.6750% | 3,665 |
| Return on Equity (ROE) | 4.3926% | 3,931 |
| Retained earnings to average equity (ytd only) | 3.8991% | 2,482 |
| Net charge-offs to loans | 0.2187% | 5,253 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 4.8438% | 2,788 |
| Efficiency ratio | 82.2817% | 2,564 |
| Assets per employee ($millions) | 2.9686% | 6,302 |
| Cash dividends to net income (ytd only)* | 11.2360% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 3,640 |
| Loan loss allowance to noncurrent loans | 103.3698% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 4,767 |
| Noncurrent loans to loans | 1.4673% | 4,465 |
| Net loans and leases to total assets | 65.3311% | 4,315 |
| Net loans and leases to deposits | 76.8568% | 4,593 |
| Net loans and leases to core deposits | 97.5396% | 4,277 |
| Total domestic deposits to total assets | 85.0036% | 3,547 |
| Equity capital to assets | 11.0445% | 2,680 |
| Core capital (leverage) ratio | 10.9461% | 2,254 |
| Tier 1 risk-based capital ratio | 17.4678% | 2,036 |
| Total risk-based capital ratio | 18.7222% | 1,991 |
| Memoranda: | ||
| Average total assets | $105,331,800 | 4,952 |
| Average earning assets | $98,673,600 | 4,875 |
| Average equity | $12,156,800 | 4,712 |
| Average total loans | $73,148,200 | 4,761 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8674% | 2,591 |
| Cost of funding earning assets | 2.1798% | 2,501 |
| Net interest margin | 3.6877% | 4,123 |
| Noninterest income to average assets | 0.7397% | 2,765 |
| Noninterest expense to average assets | 3.4756% | 2,339 |
| Loan and lease loss provision to assets | 0.1031% | 6,344 |
| Net operating income to assets | 0.4366% | 4,249 |
| Return on assets (ROA) | 0.5219% | 3,987 |
| Pretax return on assets | 0.7242% | 3,777 |
| Return on Equity (ROE) | 4.4697% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.9730% | 3,057 |
| Net charge-offs to loans | 0.0917% | 5,771 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 10.9993% | 1,891 |
| Efficiency ratio | 83.0613% | 2,421 |
| Assets per employee ($millions) | 2.7541% | 6,726 |
| Cash dividends to net income (ytd only)* | 11.1113% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,981 |
| Loan loss allowance to noncurrent loans | 101.5693% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 4,613 |
| Noncurrent loans to loans | 1.5762% | 4,277 |
| Net loans and leases to total assets | 64.9991% | 4,647 |
| Net loans and leases to deposits | 77.2230% | 4,859 |
| Net loans and leases to core deposits | 96.2925% | 4,776 |
| Total domestic deposits to total assets | 84.1707% | 3,645 |
| Equity capital to assets | 11.2706% | 2,772 |
| Core capital (leverage) ratio | 11.4098% | 2,117 |
| Tier 1 risk-based capital ratio | 18.1433% | 1,945 |
| Total risk-based capital ratio | 19.3990% | 1,895 |
| Memoranda: | ||
| Average total assets | $103,463,000 | 5,032 |
| Average earning assets | $96,643,750 | 4,964 |
| Average equity | $12,081,250 | 4,771 |
| Average total loans | $72,727,000 | 4,822 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9892% | 2,224 |
| Cost of funding earning assets | 2.2252% | 2,684 |
| Net interest margin | 3.7640% | 3,702 |
| Noninterest income to average assets | 0.7923% | 2,450 |
| Noninterest expense to average assets | 3.5543% | 2,180 |
| Loan and lease loss provision to assets | 0.0889% | 6,282 |
| Net operating income to assets | 0.4638% | 4,240 |
| Return on assets (ROA) | 0.5591% | 3,954 |
| Pretax return on assets | 0.7804% | 3,739 |
| Return on Equity (ROE) | 4.7286% | 4,195 |
| Retained earnings to average equity (ytd only) | 4.2274% | 2,952 |
| Net charge-offs to loans | 0.1320% | 4,848 |
| Credit loss provision to net charge-offs | 93.7500% | 4,805 |
| Earnings coverage of net charge-offs (x) | 7.7708% | 2,390 |
| Efficiency ratio | 82.8269% | 2,622 |
| Assets per employee ($millions) | 2.5400% | 7,174 |
| Cash dividends to net income (ytd only)* | 10.6007% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5614% | 2,906 |
| Loan loss allowance to noncurrent loans | 105.9925% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3280% | 4,294 |
| Noncurrent loans to loans | 1.4731% | 4,285 |
| Net loans and leases to total assets | 68.5276% | 4,068 |
| Net loans and leases to deposits | 82.0450% | 4,215 |
| Net loans and leases to core deposits | 101.5915% | 4,328 |
| Total domestic deposits to total assets | 83.5244% | 4,005 |
| Equity capital to assets | 11.5477% | 2,510 |
| Core capital (leverage) ratio | 11.6770% | 1,990 |
| Tier 1 risk-based capital ratio | 17.9982% | 2,026 |
| Total risk-based capital ratio | 19.2534% | 1,955 |
| Memoranda: | ||
| Average total assets | $101,229,670 | 5,130 |
| Average earning assets | $94,102,330 | 5,065 |
| Average equity | $11,969,670 | 4,819 |
| Average total loans | $72,712,670 | 4,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1210% | 1,867 |
| Cost of funding earning assets | 2.2345% | 2,990 |
| Net interest margin | 3.8865% | 3,093 |
| Noninterest income to average assets | 0.7898% | 2,387 |
| Noninterest expense to average assets | 3.5480% | 1,978 |
| Loan and lease loss provision to assets | 0.0922% | 5,778 |
| Net operating income to assets | 0.5472% | 4,226 |
| Return on assets (ROA) | 0.6735% | 3,877 |
| Pretax return on assets | 0.9020% | 3,705 |
| Return on Equity (ROE) | 5.6274% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.1250% | 3,051 |
| Net charge-offs to loans | 0.2582% | 3,116 |
| Credit loss provision to net charge-offs | 48.9362% | 4,702 |
| Earnings coverage of net charge-offs (x) | 4.3830% | 2,897 |
| Efficiency ratio | 81.1182% | 2,660 |
| Assets per employee ($millions) | 2.5320% | 7,213 |
| Cash dividends to net income (ytd only)* | 8.9286% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,801 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 7,343 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 70.4574% | 3,583 |
| Net loans and leases to deposits | 85.2752% | 3,761 |
| Net loans and leases to core deposits | 103.8719% | 4,152 |
| Total domestic deposits to total assets | 82.6236% | 4,324 |
| Equity capital to assets | 11.8265% | 2,367 |
| Core capital (leverage) ratio | 12.0852% | 1,863 |
| Tier 1 risk-based capital ratio | 18.3403% | 1,973 |
| Total risk-based capital ratio | 19.5796% | 1,932 |
| Memoranda: | ||
| Average total assets | $99,773,500 | 5,190 |
| Average earning assets | $92,010,500 | 5,145 |
| Average equity | $11,941,500 | 4,849 |
| Average total loans | $72,820,000 | 4,876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6786% | 2,113 |
| Cost of funding earning assets | 2.5367% | 4,016 |
| Net interest margin | 4.1419% | 2,531 |
| Noninterest income to average assets | 0.5583% | 4,173 |
| Noninterest expense to average assets | 3.4369% | 2,562 |
| Loan and lease loss provision to assets | 0.1340% | 5,646 |
| Net operating income to assets | 0.6061% | 4,275 |
| Return on assets (ROA) | 0.6380% | 4,004 |
| Pretax return on assets | 0.8550% | 3,869 |
| Return on Equity (ROE) | 5.1692% | 4,298 |
| Retained earnings to average equity (ytd only) | 4.4800% | 2,339 |
| Net charge-offs to loans | 0.1464% | 4,746 |
| Credit loss provision to net charge-offs | 121.1538% | 4,427 |
| Earnings coverage of net charge-offs (x) | 8.5577% | 2,864 |
| Efficiency ratio | 78.4085% | 2,849 |
| Assets per employee ($millions) | 2.7296% | 6,720 |
| Cash dividends to net income (ytd only)* | 13.3333% | 4,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 2,444 |
| Loan loss allowance to noncurrent loans | 117.7386% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 4,156 |
| Noncurrent loans to loans | 1.3175% | 3,879 |
| Net loans and leases to total assets | 73.3051% | 3,285 |
| Net loans and leases to deposits | 89.7050% | 3,504 |
| Net loans and leases to core deposits | 109.4126% | 3,816 |
| Total domestic deposits to total assets | 81.7180% | 4,311 |
| Equity capital to assets | 12.1151% | 2,215 |
| Core capital (leverage) ratio | 12.1849% | 1,887 |
| Tier 1 risk-based capital ratio | 18.2570% | 1,970 |
| Total risk-based capital ratio | 19.5143% | 1,919 |
| Memoranda: | ||
| Average total assets | $94,038,800 | 5,225 |
| Average earning assets | $86,844,800 | 5,190 |
| Average equity | $11,607,200 | 4,939 |
| Average total loans | $71,047,000 | 4,830 |