Home > The Farmers State Bank and Trust Company > Performance and Condition Ratios
The Farmers State Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 4,283 |
| Cost of funding earning assets | 0.8299% | 3,664 |
| Net interest margin | 2.8559% | 3,562 |
| Noninterest income to average assets | 1.0000% | 640 |
| Noninterest expense to average assets | 2.8262% | 1,446 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7201% | 3,133 |
| Return on assets (ROA) | 0.1919% | 4,190 |
| Pretax return on assets | 0.1738% | 4,216 |
| Return on Equity (ROE) | 1.7000% | 4,183 |
| Retained earnings to average equity (ytd only) | 0.3816% | 3,968 |
| Net charge-offs to loans | 0.0922% | 963 |
| Credit loss provision to net charge-offs | 167.6471% | 1,364 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,960 |
| Efficiency ratio | 78.2754% | 1,045 |
| Assets per employee ($millions) | 5.0724% | 3,580 |
| Cash dividends to net income (ytd only)* | 77.5281% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7940% | 145 |
| Loan loss allowance to noncurrent loans | 134.5423% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 373 |
| Noncurrent loans to loans | 2.0766% | 266 |
| Net loans and leases to total assets | 48.5700% | 3,694 |
| Net loans and leases to deposits | 55.4751% | 3,734 |
| Net loans and leases to core deposits | 55.9694% | 3,912 |
| Total domestic deposits to total assets | 87.5600% | 1,501 |
| Equity capital to assets | 12.0123% | 1,119 |
| Core capital (leverage) ratio | 12.3438% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $231,899,200 | 2,779 |
| Average earning assets | $211,944,600 | 2,791 |
| Average equity | $26,205,800 | 2,450 |
| Average total loans | $110,662,600 | 3,052 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6039% | 4,303 |
| Cost of funding earning assets | 0.7661% | 3,616 |
| Net interest margin | 2.8378% | 3,662 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.7893% | 1,458 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.5873% | 3,575 |
| Return on assets (ROA) | -0.1105% | 4,462 |
| Pretax return on assets | -0.0638% | 4,432 |
| Return on Equity (ROE) | -0.9900% | 4,425 |
| Retained earnings to average equity (ytd only) | -1.8832% | 4,313 |
| Net charge-offs to loans | 0.0785% | 934 |
| Credit loss provision to net charge-offs | 263.0769% | 960 |
| Earnings coverage of net charge-offs (x) | 19.9231% | 1,819 |
| Efficiency ratio | 79.0859% | 920 |
| Assets per employee ($millions) | 4.7700% | 3,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8417% | 142 |
| Loan loss allowance to noncurrent loans | 141.7079% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.1646% | 390 |
| Noncurrent loans to loans | 2.0053% | 306 |
| Net loans and leases to total assets | 48.0800% | 3,735 |
| Net loans and leases to deposits | 57.4767% | 3,632 |
| Net loans and leases to core deposits | 57.7541% | 3,789 |
| Total domestic deposits to total assets | 83.6600% | 2,867 |
| Equity capital to assets | 11.6307% | 1,144 |
| Core capital (leverage) ratio | 12.0027% | 1,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $234,077,250 | 2,781 |
| Average earning assets | $214,241,750 | 2,788 |
| Average equity | $26,054,750 | 2,442 |
| Average total loans | $110,446,750 | 3,052 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 4,364 |
| Cost of funding earning assets | 0.6390% | 3,661 |
| Net interest margin | 2.8383% | 3,759 |
| Noninterest income to average assets | 0.9000% | 691 |
| Noninterest expense to average assets | 2.7198% | 1,597 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5965% | 3,577 |
| Return on assets (ROA) | -0.4356% | 4,554 |
| Pretax return on assets | -0.3101% | 4,531 |
| Return on Equity (ROE) | -3.9700% | 4,530 |
| Retained earnings to average equity (ytd only) | -5.3056% | 4,430 |
| Net charge-offs to loans | 0.0345% | 1,205 |
| Credit loss provision to net charge-offs | 331.5789% | 810 |
| Earnings coverage of net charge-offs (x) | 48.9474% | 1,298 |
| Efficiency ratio | 77.6335% | 1,028 |
| Assets per employee ($millions) | 4.8377% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 165 |
| Loan loss allowance to noncurrent loans | 197.5080% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.8581% | 583 |
| Noncurrent loans to loans | 1.3855% | 506 |
| Net loans and leases to total assets | 48.3200% | 3,665 |
| Net loans and leases to deposits | 56.8918% | 3,593 |
| Net loans and leases to core deposits | 57.1550% | 3,762 |
| Total domestic deposits to total assets | 84.9300% | 2,563 |
| Equity capital to assets | 11.3346% | 1,257 |
| Core capital (leverage) ratio | 11.7882% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $237,372,333 | 2,769 |
| Average earning assets | $217,526,667 | 2,777 |
| Average equity | $26,048,000 | 2,460 |
| Average total loans | $110,277,667 | 3,055 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 4,425 |
| Cost of funding earning assets | 0.5316% | 3,591 |
| Net interest margin | 2.7823% | 3,969 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.5647% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7872% | 3,231 |
| Return on assets (ROA) | -0.0495% | 4,499 |
| Pretax return on assets | -0.0495% | 4,484 |
| Return on Equity (ROE) | -0.4600% | 4,468 |
| Retained earnings to average equity (ytd only) | -0.4583% | 4,078 |
| Net charge-offs to loans | 0.0184% | 1,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 95.4000% | 809 |
| Efficiency ratio | 76.5140% | 1,125 |
| Assets per employee ($millions) | 4.8053% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7751% | 163 |
| Loan loss allowance to noncurrent loans | 218.3776% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 637 |
| Noncurrent loans to loans | 1.2708% | 536 |
| Net loans and leases to total assets | 45.2600% | 3,812 |
| Net loans and leases to deposits | 53.5474% | 3,710 |
| Net loans and leases to core deposits | 53.7847% | 3,843 |
| Total domestic deposits to total assets | 84.5300% | 2,967 |
| Equity capital to assets | 11.0856% | 1,312 |
| Core capital (leverage) ratio | 11.4750% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $242,371,500 | 2,770 |
| Average earning assets | $221,974,500 | 2,786 |
| Average equity | $26,186,000 | 2,477 |
| Average total loans | $108,940,500 | 3,103 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7465% | 4,371 |
| Cost of funding earning assets | 0.2151% | 3,633 |
| Net interest margin | 2.5314% | 4,250 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.6008% | 1,824 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.4960% | 4,092 |
| Return on assets (ROA) | 0.4960% | 4,053 |
| Pretax return on assets | 0.5775% | 4,069 |
| Return on Equity (ROE) | 4.8000% | 4,048 |
| Retained earnings to average equity (ytd only) | 3.4334% | 3,585 |
| Net charge-offs to loans | 0.2884% | 268 |
| Credit loss provision to net charge-offs | 67.3401% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.6397% | 2,368 |
| Efficiency ratio | 79.8629% | 724 |
| Assets per employee ($millions) | 5.4192% | 3,293 |
| Cash dividends to net income (ytd only)* | 28.4925% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1282% | 341 |
| Loan loss allowance to noncurrent loans | 138.7116% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 626 |
| Noncurrent loans to loans | 1.5342% | 423 |
| Net loans and leases to total assets | 42.5100% | 3,955 |
| Net loans and leases to deposits | 51.5440% | 3,828 |
| Net loans and leases to core deposits | 51.6080% | 3,921 |
| Total domestic deposits to total assets | 82.4600% | 3,539 |
| Equity capital to assets | 10.5381% | 1,436 |
| Core capital (leverage) ratio | 11.4564% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $255,422,000 | 2,696 |
| Average earning assets | $230,147,800 | 2,734 |
| Average equity | $26,387,800 | 2,508 |
| Average total loans | $102,972,200 | 3,110 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6454% | 4,349 |
| Cost of funding earning assets | 0.1733% | 3,587 |
| Net interest margin | 2.4721% | 4,232 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.5119% | 1,986 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.5365% | 3,997 |
| Return on assets (ROA) | 0.5365% | 3,941 |
| Pretax return on assets | 0.5521% | 4,062 |
| Return on Equity (ROE) | 5.2200% | 3,938 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,359 |
| Net charge-offs to loans | 0.0210% | 1,412 |
| Credit loss provision to net charge-offs | 906.2500% | 431 |
| Earnings coverage of net charge-offs (x) | 75.5625% | 1,073 |
| Efficiency ratio | 80.0165% | 776 |
| Assets per employee ($millions) | 5.3868% | 3,340 |
| Cash dividends to net income (ytd only)* | 18.3752% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4872% | 238 |
| Loan loss allowance to noncurrent loans | 139.4708% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8180% | 607 |
| Noncurrent loans to loans | 1.7833% | 362 |
| Net loans and leases to total assets | 40.0300% | 4,072 |
| Net loans and leases to deposits | 44.7708% | 4,080 |
| Net loans and leases to core deposits | 44.9432% | 4,148 |
| Total domestic deposits to total assets | 89.4100% | 1,914 |
| Equity capital to assets | 10.4877% | 1,374 |
| Core capital (leverage) ratio | 11.1927% | 1,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $256,956,250 | 2,705 |
| Average earning assets | $230,784,750 | 2,753 |
| Average equity | $26,417,250 | 2,546 |
| Average total loans | $101,649,500 | 3,132 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5087% | 4,365 |
| Cost of funding earning assets | 0.1483% | 3,599 |
| Net interest margin | 2.3604% | 4,270 |
| Noninterest income to average assets | 0.9830% | 698 |
| Noninterest expense to average assets | 2.4468% | 2,091 |
| Loan and lease loss provision to assets | 0.1115% | 898 |
| Net operating income to assets | 0.5431% | 3,787 |
| Return on assets (ROA) | 0.5431% | 3,742 |
| Pretax return on assets | 0.5431% | 3,935 |
| Return on Equity (ROE) | 5.3162% | 3,751 |
| Retained earnings to average equity (ytd only) | 3.9608% | 3,094 |
| Net charge-offs to loans | 0.0177% | 1,386 |
| Credit loss provision to net charge-offs | 1,611.1111% | 284 |
| Earnings coverage of net charge-offs (x) | 94.5556% | 845 |
| Efficiency ratio | 78.8938% | 1,027 |
| Assets per employee ($millions) | 5.3574% | 3,382 |
| Cash dividends to net income (ytd only)* | 25.4958% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5567% | 238 |
| Loan loss allowance to noncurrent loans | 139.0137% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 644 |
| Noncurrent loans to loans | 1.8392% | 366 |
| Net loans and leases to total assets | 38.4004% | 4,151 |
| Net loans and leases to deposits | 42.9360% | 4,158 |
| Net loans and leases to core deposits | 43.1498% | 4,220 |
| Total domestic deposits to total assets | 89.4363% | 1,985 |
| Equity capital to assets | 10.4394% | 1,463 |
| Core capital (leverage) ratio | 10.8453% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,010,000 | 2,710 |
| Average earning assets | $233,350,000 | 2,768 |
| Average equity | $26,560,333 | 2,604 |
| Average total loans | $101,625,667 | 3,159 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3938% | 4,384 |
| Cost of funding earning assets | 0.1245% | 3,842 |
| Net interest margin | 2.2693% | 4,274 |
| Noninterest income to average assets | 0.8708% | 887 |
| Noninterest expense to average assets | 2.4535% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4604% | 3,813 |
| Return on assets (ROA) | 0.4604% | 3,776 |
| Pretax return on assets | 0.4604% | 3,934 |
| Return on Equity (ROE) | 4.5547% | 3,742 |
| Retained earnings to average equity (ytd only) | 4.5547% | 2,758 |
| Net charge-offs to loans | 0.0156% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 765 |
| Efficiency ratio | 84.1996% | 832 |
| Assets per employee ($millions) | 5.3694% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 318 |
| Loan loss allowance to noncurrent loans | 123.8120% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 652 |
| Noncurrent loans to loans | 1.9418% | 383 |
| Net loans and leases to total assets | 37.7530% | 4,128 |
| Net loans and leases to deposits | 42.1212% | 4,157 |
| Net loans and leases to core deposits | 42.3249% | 4,229 |
| Total domestic deposits to total assets | 89.6296% | 1,754 |
| Equity capital to assets | 10.2645% | 1,712 |
| Core capital (leverage) ratio | 10.6314% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,116,500 | 2,695 |
| Average earning assets | $237,785,500 | 2,749 |
| Average equity | $26,697,500 | 2,669 |
| Average total loans | $102,824,500 | 3,149 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5441% | 4,451 |
| Cost of funding earning assets | 0.1190% | 4,236 |
| Net interest margin | 2.4251% | 4,291 |
| Noninterest income to average assets | 1.1437% | 804 |
| Noninterest expense to average assets | 2.5994% | 1,873 |
| Loan and lease loss provision to assets | 0.1795% | 642 |
| Net operating income to assets | 0.3859% | 4,299 |
| Return on assets (ROA) | 0.3859% | 4,328 |
| Pretax return on assets | 0.5491% | 4,178 |
| Return on Equity (ROE) | 3.5206% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.2384% | 3,909 |
| Net charge-offs to loans | 0.5942% | 137 |
| Credit loss provision to net charge-offs | 69.0625% | 2,022 |
| Earnings coverage of net charge-offs (x) | 2.8031% | 2,570 |
| Efficiency ratio | 78.1059% | 939 |
| Assets per employee ($millions) | 5.5204% | 3,240 |
| Cash dividends to net income (ytd only)* | 36.4211% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2662% | 406 |
| Loan loss allowance to noncurrent loans | 148.6687% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 951 |
| Noncurrent loans to loans | 1.5243% | 589 |
| Net loans and leases to total assets | 38.2806% | 4,179 |
| Net loans and leases to deposits | 42.5665% | 4,247 |
| Net loans and leases to core deposits | 42.7615% | 4,313 |
| Total domestic deposits to total assets | 89.9312% | 991 |
| Equity capital to assets | 9.9593% | 2,693 |
| Core capital (leverage) ratio | 11.0220% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,208,600 | 2,754 |
| Average earning assets | $221,768,000 | 2,799 |
| Average equity | $26,983,800 | 2,725 |
| Average total loans | $107,702,200 | 3,109 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6059% | 4,497 |
| Cost of funding earning assets | 0.1222% | 4,332 |
| Net interest margin | 2.4837% | 4,306 |
| Noninterest income to average assets | 1.1477% | 864 |
| Noninterest expense to average assets | 2.5846% | 1,886 |
| Loan and lease loss provision to assets | 0.1453% | 778 |
| Net operating income to assets | 0.4525% | 4,291 |
| Return on assets (ROA) | 0.4525% | 4,323 |
| Pretax return on assets | 0.6513% | 4,156 |
| Return on Equity (ROE) | 4.0254% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.1610% | 3,848 |
| Net charge-offs to loans | 0.7114% | 110 |
| Credit loss provision to net charge-offs | 45.4073% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.4870% | 2,345 |
| Efficiency ratio | 76.4368% | 1,011 |
| Assets per employee ($millions) | 4.9616% | 3,736 |
| Cash dividends to net income (ytd only)* | 21.4724% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 522 |
| Loan loss allowance to noncurrent loans | 128.8939% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 844 |
| Noncurrent loans to loans | 1.6426% | 619 |
| Net loans and leases to total assets | 44.3373% | 3,926 |
| Net loans and leases to deposits | 50.1089% | 4,003 |
| Net loans and leases to core deposits | 50.3738% | 4,117 |
| Total domestic deposits to total assets | 88.4819% | 1,574 |
| Equity capital to assets | 11.4043% | 1,734 |
| Core capital (leverage) ratio | 11.3058% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,135,750 | 2,814 |
| Average earning assets | $215,964,500 | 2,868 |
| Average equity | $26,994,750 | 2,755 |
| Average total loans | $108,140,250 | 3,142 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5836% | 4,557 |
| Cost of funding earning assets | 0.1245% | 4,398 |
| Net interest margin | 2.4591% | 4,356 |
| Noninterest income to average assets | 1.2085% | 793 |
| Noninterest expense to average assets | 2.4544% | 2,292 |
| Loan and lease loss provision to assets | 0.0341% | 2,302 |
| Net operating income to assets | 0.7359% | 3,671 |
| Return on assets (ROA) | 0.7359% | 3,739 |
| Pretax return on assets | 0.9352% | 3,583 |
| Return on Equity (ROE) | 6.5777% | 3,762 |
| Retained earnings to average equity (ytd only) | 5.2785% | 3,084 |
| Net charge-offs to loans | 1.0108% | 79 |
| Credit loss provision to net charge-offs | 7.4954% | 1,781 |
| Earnings coverage of net charge-offs (x) | 2.1335% | 2,142 |
| Efficiency ratio | 71.6885% | 1,463 |
| Assets per employee ($millions) | 4.7885% | 3,851 |
| Cash dividends to net income (ytd only)* | 19.7517% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 631 |
| Loan loss allowance to noncurrent loans | 124.6575% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 1,028 |
| Noncurrent loans to loans | 1.5889% | 697 |
| Net loans and leases to total assets | 43.2604% | 4,093 |
| Net loans and leases to deposits | 48.8741% | 4,169 |
| Net loans and leases to core deposits | 49.1361% | 4,275 |
| Total domestic deposits to total assets | 88.5138% | 1,553 |
| Equity capital to assets | 11.3600% | 1,724 |
| Core capital (leverage) ratio | 11.0722% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,795,667 | 2,806 |
| Average earning assets | $216,907,667 | 2,857 |
| Average equity | $26,939,667 | 2,742 |
| Average total loans | $108,228,333 | 3,149 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5692% | 4,600 |
| Cost of funding earning assets | 0.1288% | 4,465 |
| Net interest margin | 2.4404% | 4,373 |
| Noninterest income to average assets | 1.1595% | 901 |
| Noninterest expense to average assets | 2.3936% | 2,511 |
| Loan and lease loss provision to assets | 0.0679% | 1,798 |
| Net operating income to assets | 0.8117% | 3,385 |
| Return on assets (ROA) | 0.8117% | 3,457 |
| Pretax return on assets | 0.8945% | 3,612 |
| Return on Equity (ROE) | 7.3107% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.3107% | 2,474 |
| Net charge-offs to loans | 0.0256% | 1,245 |
| Credit loss provision to net charge-offs | 585.7143% | 562 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 684 |
| Efficiency ratio | 71.3228% | 1,565 |
| Assets per employee ($millions) | 4.8055% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4397% | 286 |
| Loan loss allowance to noncurrent loans | 114.6777% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 821 |
| Noncurrent loans to loans | 2.1274% | 481 |
| Net loans and leases to total assets | 42.1358% | 4,226 |
| Net loans and leases to deposits | 47.3184% | 4,292 |
| Net loans and leases to core deposits | 47.5595% | 4,388 |
| Total domestic deposits to total assets | 89.0474% | 1,324 |
| Equity capital to assets | 10.7986% | 2,010 |
| Core capital (leverage) ratio | 11.1386% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,480,000 | 2,788 |
| Average earning assets | $217,345,500 | 2,836 |
| Average equity | $26,810,000 | 2,746 |
| Average total loans | $109,507,500 | 3,137 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 4,326 |
| Cost of funding earning assets | 0.1635% | 4,693 |
| Net interest margin | 3.1396% | 3,526 |
| Noninterest income to average assets | 1.2503% | 722 |
| Noninterest expense to average assets | 2.9406% | 1,568 |
| Loan and lease loss provision to assets | 0.1092% | 2,981 |
| Net operating income to assets | 0.6270% | 3,660 |
| Return on assets (ROA) | 0.6270% | 3,784 |
| Pretax return on assets | 1.0633% | 2,832 |
| Return on Equity (ROE) | 5.2945% | 3,817 |
| Retained earnings to average equity (ytd only) | 3.9671% | 2,843 |
| Net charge-offs to loans | 0.0419% | 2,224 |
| Credit loss provision to net charge-offs | 512.7660% | 1,232 |
| Earnings coverage of net charge-offs (x) | 55.0638% | 1,122 |
| Efficiency ratio | 71.4947% | 1,746 |
| Assets per employee ($millions) | 4.3162% | 4,100 |
| Cash dividends to net income (ytd only)* | 25.0723% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3395% | 324 |
| Loan loss allowance to noncurrent loans | 109.5700% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 820 |
| Noncurrent loans to loans | 2.1352% | 510 |
| Net loans and leases to total assets | 46.5481% | 4,093 |
| Net loans and leases to deposits | 52.6548% | 4,187 |
| Net loans and leases to core deposits | 52.9441% | 4,302 |
| Total domestic deposits to total assets | 88.4024% | 1,274 |
| Equity capital to assets | 11.4281% | 1,936 |
| Core capital (leverage) ratio | 11.6053% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $220,738,200 | 2,792 |
| Average earning assets | $201,268,800 | 2,812 |
| Average equity | $26,140,200 | 2,733 |
| Average total loans | $112,291,000 | 3,065 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4406% | 4,298 |
| Cost of funding earning assets | 0.1719% | 4,752 |
| Net interest margin | 3.2687% | 3,286 |
| Noninterest income to average assets | 1.1602% | 782 |
| Noninterest expense to average assets | 2.8546% | 1,815 |
| Loan and lease loss provision to assets | 0.1470% | 2,548 |
| Net operating income to assets | 0.7063% | 3,437 |
| Return on assets (ROA) | 0.7063% | 3,540 |
| Pretax return on assets | 1.1516% | 2,561 |
| Return on Equity (ROE) | 5.9090% | 3,585 |
| Retained earnings to average equity (ytd only) | 5.0070% | 2,559 |
| Net charge-offs to loans | 0.0237% | 2,368 |
| Credit loss provision to net charge-offs | 1,200.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 106.0000% | 760 |
| Efficiency ratio | 68.7316% | 2,078 |
| Assets per employee ($millions) | 3.9473% | 4,354 |
| Cash dividends to net income (ytd only)* | 15.2645% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 296 |
| Loan loss allowance to noncurrent loans | 105.2526% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 781 |
| Noncurrent loans to loans | 2.1888% | 535 |
| Net loans and leases to total assets | 51.2747% | 4,016 |
| Net loans and leases to deposits | 59.6370% | 4,082 |
| Net loans and leases to core deposits | 59.9983% | 4,202 |
| Total domestic deposits to total assets | 85.9781% | 2,080 |
| Equity capital to assets | 12.2435% | 1,555 |
| Core capital (leverage) ratio | 11.3699% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,654,000 | 2,796 |
| Average earning assets | $199,302,250 | 2,813 |
| Average equity | $26,016,250 | 2,733 |
| Average total loans | $112,591,000 | 3,069 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 4,360 |
| Cost of funding earning assets | 0.1837% | 4,799 |
| Net interest margin | 3.3581% | 3,229 |
| Noninterest income to average assets | 1.1164% | 797 |
| Noninterest expense to average assets | 2.8085% | 2,079 |
| Loan and lease loss provision to assets | 0.1836% | 2,187 |
| Net operating income to assets | 0.6436% | 3,601 |
| Return on assets (ROA) | 0.6436% | 3,690 |
| Pretax return on assets | 1.1954% | 2,378 |
| Return on Equity (ROE) | 5.4282% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.0654% | 2,870 |
| Net charge-offs to loans | 0.0339% | 2,057 |
| Credit loss provision to net charge-offs | 1,052.6316% | 763 |
| Earnings coverage of net charge-offs (x) | 79.0526% | 812 |
| Efficiency ratio | 67.0686% | 2,367 |
| Assets per employee ($millions) | 4.3998% | 3,913 |
| Cash dividends to net income (ytd only)* | 25.1070% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 291 |
| Loan loss allowance to noncurrent loans | 102.5783% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 964 |
| Noncurrent loans to loans | 2.2312% | 564 |
| Net loans and leases to total assets | 46.4689% | 4,340 |
| Net loans and leases to deposits | 58.0596% | 4,221 |
| Net loans and leases to core deposits | 58.4039% | 4,336 |
| Total domestic deposits to total assets | 80.0365% | 3,827 |
| Equity capital to assets | 11.0051% | 2,337 |
| Core capital (leverage) ratio | 11.2608% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $217,837,667 | 2,776 |
| Average earning assets | $199,218,333 | 2,786 |
| Average equity | $25,828,000 | 2,734 |
| Average total loans | $112,140,000 | 3,063 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8844% | 4,064 |
| Cost of funding earning assets | 0.2229% | 4,835 |
| Net interest margin | 3.6615% | 2,466 |
| Noninterest income to average assets | 0.7828% | 1,358 |
| Noninterest expense to average assets | 3.1275% | 1,572 |
| Loan and lease loss provision to assets | 0.3847% | 795 |
| Net operating income to assets | 0.6193% | 3,544 |
| Return on assets (ROA) | 0.6193% | 3,601 |
| Pretax return on assets | 0.6193% | 3,890 |
| Return on Equity (ROE) | 5.0178% | 3,622 |
| Retained earnings to average equity (ytd only) | 5.0178% | 2,269 |
| Net charge-offs to loans | 0.0573% | 1,437 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 32.6250% | 1,126 |
| Efficiency ratio | 75.6983% | 1,598 |
| Assets per employee ($millions) | 3.9538% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 308 |
| Loan loss allowance to noncurrent loans | 104.1851% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 913 |
| Noncurrent loans to loans | 2.2525% | 574 |
| Net loans and leases to total assets | 51.4102% | 4,155 |
| Net loans and leases to deposits | 60.1957% | 4,189 |
| Net loans and leases to core deposits | 60.5744% | 4,331 |
| Total domestic deposits to total assets | 85.4051% | 2,247 |
| Equity capital to assets | 12.3373% | 1,837 |
| Core capital (leverage) ratio | 12.3670% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,962,000 | 2,810 |
| Average earning assets | $190,195,000 | 2,828 |
| Average equity | $25,668,500 | 2,734 |
| Average total loans | $111,714,500 | 3,061 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 4,148 |
| Cost of funding earning assets | 0.2616% | 4,823 |
| Net interest margin | 3.7880% | 2,543 |
| Noninterest income to average assets | 1.0038% | 966 |
| Noninterest expense to average assets | 3.0515% | 1,875 |
| Loan and lease loss provision to assets | 0.3574% | 421 |
| Net operating income to assets | 1.0936% | 2,466 |
| Return on assets (ROA) | 1.0936% | 2,570 |
| Pretax return on assets | 1.0450% | 3,345 |
| Return on Equity (ROE) | 9.0487% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.6193% | 1,108 |
| Net charge-offs to loans | 0.1838% | 1,093 |
| Credit loss provision to net charge-offs | 351.2195% | 792 |
| Earnings coverage of net charge-offs (x) | 13.7805% | 2,328 |
| Efficiency ratio | 68.5132% | 2,386 |
| Assets per employee ($millions) | 3.9687% | 3,940 |
| Cash dividends to net income (ytd only)* | 15.7966% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 382 |
| Loan loss allowance to noncurrent loans | 105.0677% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2463% | 913 |
| Noncurrent loans to loans | 2.0237% | 632 |
| Net loans and leases to total assets | 53.6429% | 4,100 |
| Net loans and leases to deposits | 62.9164% | 4,142 |
| Net loans and leases to core deposits | 63.4629% | 4,305 |
| Total domestic deposits to total assets | 85.2606% | 2,392 |
| Equity capital to assets | 12.3486% | 1,919 |
| Core capital (leverage) ratio | 12.5833% | 1,441 |
| Tier 1 risk-based capital ratio | 19.7017% | 1,366 |
| Total risk-based capital ratio | 20.9596% | 1,341 |
| Memoranda: | ||
| Average total assets | $201,443,800 | 2,829 |
| Average earning assets | $183,473,200 | 2,851 |
| Average equity | $24,346,000 | 2,764 |
| Average total loans | $111,550,400 | 3,060 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 4,228 |
| Cost of funding earning assets | 0.2720% | 4,866 |
| Net interest margin | 3.7951% | 2,617 |
| Noninterest income to average assets | 0.9050% | 1,130 |
| Noninterest expense to average assets | 3.0534% | 1,815 |
| Loan and lease loss provision to assets | 0.4795% | 252 |
| Net operating income to assets | 0.7685% | 3,778 |
| Return on assets (ROA) | 0.7685% | 3,849 |
| Pretax return on assets | 0.8284% | 4,055 |
| Return on Equity (ROE) | 6.3946% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.4138% | 2,667 |
| Net charge-offs to loans | 0.2291% | 770 |
| Credit loss provision to net charge-offs | 376.9634% | 805 |
| Earnings coverage of net charge-offs (x) | 10.2827% | 2,505 |
| Efficiency ratio | 70.0107% | 2,113 |
| Assets per employee ($millions) | 3.6428% | 4,344 |
| Cash dividends to net income (ytd only)* | 15.3377% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1269% | 376 |
| Loan loss allowance to noncurrent loans | 98.2934% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5607% | 688 |
| Noncurrent loans to loans | 2.1638% | 598 |
| Net loans and leases to total assets | 56.5876% | 4,006 |
| Net loans and leases to deposits | 65.8752% | 4,077 |
| Net loans and leases to core deposits | 66.5706% | 4,240 |
| Total domestic deposits to total assets | 85.9011% | 2,038 |
| Equity capital to assets | 12.5219% | 1,902 |
| Core capital (leverage) ratio | 12.1385% | 1,765 |
| Tier 1 risk-based capital ratio | 19.1565% | 1,533 |
| Total risk-based capital ratio | 20.4140% | 1,500 |
| Memoranda: | ||
| Average total assets | $200,211,750 | 2,860 |
| Average earning assets | $182,336,500 | 2,880 |
| Average equity | $24,061,500 | 2,801 |
| Average total loans | $111,160,750 | 3,102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 4,358 |
| Cost of funding earning assets | 0.2797% | 4,878 |
| Net interest margin | 3.7279% | 2,839 |
| Noninterest income to average assets | 0.8849% | 1,108 |
| Noninterest expense to average assets | 3.0490% | 1,869 |
| Loan and lease loss provision to assets | 0.4469% | 271 |
| Net operating income to assets | 0.7290% | 3,898 |
| Return on assets (ROA) | 0.7290% | 3,960 |
| Pretax return on assets | 0.7906% | 4,117 |
| Return on Equity (ROE) | 6.1496% | 4,002 |
| Retained earnings to average equity (ytd only) | 4.6667% | 2,938 |
| Net charge-offs to loans | 0.1958% | 846 |
| Credit loss provision to net charge-offs | 416.6667% | 688 |
| Earnings coverage of net charge-offs (x) | 11.5370% | 2,201 |
| Efficiency ratio | 71.1307% | 2,051 |
| Assets per employee ($millions) | 3.8200% | 4,095 |
| Cash dividends to net income (ytd only)* | 24.1144% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 457 |
| Loan loss allowance to noncurrent loans | 73.5905% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.5891% | 685 |
| Noncurrent loans to loans | 2.7479% | 387 |
| Net loans and leases to total assets | 52.4258% | 4,329 |
| Net loans and leases to deposits | 60.9147% | 4,383 |
| Net loans and leases to core deposits | 61.5243% | 4,518 |
| Total domestic deposits to total assets | 86.0642% | 1,999 |
| Equity capital to assets | 11.7339% | 2,404 |
| Core capital (leverage) ratio | 11.8380% | 1,923 |
| Tier 1 risk-based capital ratio | 18.9611% | 1,565 |
| Total risk-based capital ratio | 20.2172% | 1,527 |
| Memoranda: | ||
| Average total assets | $201,378,670 | 2,862 |
| Average earning assets | $183,750,330 | 2,885 |
| Average equity | $23,871,330 | 2,808 |
| Average total loans | $110,303,330 | 3,131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 4,329 |
| Cost of funding earning assets | 0.2887% | 4,877 |
| Net interest margin | 3.7315% | 2,779 |
| Noninterest income to average assets | 0.7581% | 1,409 |
| Noninterest expense to average assets | 3.2132% | 1,468 |
| Loan and lease loss provision to assets | 0.2513% | 579 |
| Net operating income to assets | 0.6977% | 3,941 |
| Return on assets (ROA) | 0.6977% | 3,982 |
| Pretax return on assets | 0.6977% | 4,308 |
| Return on Equity (ROE) | 5.8554% | 4,063 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,529 |
| Net charge-offs to loans | 0.0508% | 1,560 |
| Credit loss provision to net charge-offs | 892.8571% | 409 |
| Earnings coverage of net charge-offs (x) | 33.7143% | 1,257 |
| Efficiency ratio | 77.1981% | 1,359 |
| Assets per employee ($millions) | 3.7780% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.2882% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 667 |
| Loan loss allowance to noncurrent loans | 61.2301% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7385% | 630 |
| Noncurrent loans to loans | 2.9874% | 368 |
| Net loans and leases to total assets | 53.6327% | 4,227 |
| Net loans and leases to deposits | 63.0199% | 4,242 |
| Net loans and leases to core deposits | 63.5807% | 4,406 |
| Total domestic deposits to total assets | 85.1044% | 2,647 |
| Equity capital to assets | 11.9445% | 2,053 |
| Core capital (leverage) ratio | 11.8941% | 1,833 |
| Tier 1 risk-based capital ratio | 19.0126% | 1,542 |
| Total risk-based capital ratio | 20.2665% | 1,514 |
| Memoranda: | ||
| Average total assets | $198,927,000 | 2,911 |
| Average earning assets | $181,482,000 | 2,937 |
| Average equity | $23,704,500 | 2,832 |
| Average total loans | $110,266,500 | 3,163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,524 |
| Cost of funding earning assets | 0.2762% | 4,672 |
| Net interest margin | 3.5090% | 3,676 |
| Noninterest income to average assets | 0.9363% | 1,089 |
| Noninterest expense to average assets | 2.9786% | 2,102 |
| Loan and lease loss provision to assets | 0.3758% | 384 |
| Net operating income to assets | 0.4842% | 4,691 |
| Return on assets (ROA) | 0.4842% | 4,693 |
| Pretax return on assets | 0.7628% | 4,263 |
| Return on Equity (ROE) | 4.3150% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.7727% | 4,013 |
| Net charge-offs to loans | 1.1504% | 117 |
| Credit loss provision to net charge-offs | 60.7704% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.8412% | 3,583 |
| Efficiency ratio | 72.3462% | 1,857 |
| Assets per employee ($millions) | 3.6596% | 4,380 |
| Cash dividends to net income (ytd only)* | 35.7430% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 835 |
| Loan loss allowance to noncurrent loans | 56.8934% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7888% | 581 |
| Noncurrent loans to loans | 2.9890% | 340 |
| Net loans and leases to total assets | 55.2834% | 4,184 |
| Net loans and leases to deposits | 63.9216% | 4,261 |
| Net loans and leases to core deposits | 64.3922% | 4,436 |
| Total domestic deposits to total assets | 86.4862% | 2,024 |
| Equity capital to assets | 11.8875% | 1,975 |
| Core capital (leverage) ratio | 11.5927% | 2,027 |
| Tier 1 risk-based capital ratio | 18.4973% | 1,618 |
| Total risk-based capital ratio | 19.7499% | 1,570 |
| Memoranda: | ||
| Average total assets | $205,702,200 | 2,805 |
| Average earning assets | $186,463,400 | 2,859 |
| Average equity | $23,082,400 | 2,808 |
| Average total loans | $110,571,400 | 3,119 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7061% | 4,636 |
| Cost of funding earning assets | 0.2680% | 4,686 |
| Net interest margin | 3.4381% | 3,900 |
| Noninterest income to average assets | 0.8415% | 1,354 |
| Noninterest expense to average assets | 2.8871% | 2,343 |
| Loan and lease loss provision to assets | 0.2953% | 501 |
| Net operating income to assets | 0.7375% | 4,119 |
| Return on assets (ROA) | 0.7375% | 4,129 |
| Pretax return on assets | 0.7715% | 4,368 |
| Return on Equity (ROE) | 6.6665% | 4,049 |
| Retained earnings to average equity (ytd only) | 5.5989% | 2,887 |
| Net charge-offs to loans | 1.4887% | 81 |
| Credit loss provision to net charge-offs | 37.3074% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.3479% | 3,357 |
| Efficiency ratio | 73.0195% | 1,728 |
| Assets per employee ($millions) | 3.7945% | 4,180 |
| Cash dividends to net income (ytd only)* | 16.0141% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,555 |
| Loan loss allowance to noncurrent loans | 52.2977% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 773 |
| Noncurrent loans to loans | 2.7533% | 437 |
| Net loans and leases to total assets | 53.9821% | 4,361 |
| Net loans and leases to deposits | 62.9378% | 4,396 |
| Net loans and leases to core deposits | 63.4807% | 4,551 |
| Total domestic deposits to total assets | 85.7705% | 2,296 |
| Equity capital to assets | 11.5824% | 2,197 |
| Core capital (leverage) ratio | 11.6010% | 2,085 |
| Tier 1 risk-based capital ratio | 18.0639% | 1,773 |
| Total risk-based capital ratio | 19.2836% | 1,738 |
| Memoranda: | ||
| Average total assets | $207,722,750 | 2,814 |
| Average earning assets | $188,047,000 | 2,870 |
| Average equity | $22,980,000 | 2,830 |
| Average total loans | $110,429,000 | 3,149 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5916% | 4,779 |
| Cost of funding earning assets | 0.2606% | 4,700 |
| Net interest margin | 3.3311% | 4,156 |
| Noninterest income to average assets | 0.8569% | 1,297 |
| Noninterest expense to average assets | 2.7969% | 2,666 |
| Loan and lease loss provision to assets | 0.4026% | 303 |
| Net operating income to assets | 0.6470% | 4,354 |
| Return on assets (ROA) | 0.6470% | 4,361 |
| Pretax return on assets | 0.6719% | 4,582 |
| Return on Equity (ROE) | 5.9395% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.3205% | 3,438 |
| Net charge-offs to loans | 0.2240% | 713 |
| Credit loss provision to net charge-offs | 341.4634% | 921 |
| Earnings coverage of net charge-offs (x) | 9.1138% | 2,417 |
| Efficiency ratio | 72.2456% | 1,962 |
| Assets per employee ($millions) | 3.8175% | 4,182 |
| Cash dividends to net income (ytd only)* | 27.2593% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3933% | 278 |
| Loan loss allowance to noncurrent loans | 60.7006% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 421 |
| Noncurrent loans to loans | 3.9428% | 228 |
| Net loans and leases to total assets | 53.1398% | 4,401 |
| Net loans and leases to deposits | 62.4029% | 4,396 |
| Net loans and leases to core deposits | 63.0382% | 4,549 |
| Total domestic deposits to total assets | 85.1559% | 2,616 |
| Equity capital to assets | 11.1607% | 2,490 |
| Core capital (leverage) ratio | 10.9741% | 2,550 |
| Tier 1 risk-based capital ratio | 17.4675% | 1,950 |
| Total risk-based capital ratio | 18.7271% | 1,900 |
| Memoranda: | ||
| Average total assets | $208,662,000 | 2,823 |
| Average earning assets | $188,828,330 | 2,866 |
| Average equity | $22,729,000 | 2,866 |
| Average total loans | $109,829,330 | 3,174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 4,925 |
| Cost of funding earning assets | 0.2465% | 4,731 |
| Net interest margin | 3.2210% | 4,400 |
| Noninterest income to average assets | 0.7054% | 1,803 |
| Noninterest expense to average assets | 3.0163% | 2,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6044% | 4,414 |
| Return on assets (ROA) | 0.6044% | 4,420 |
| Pretax return on assets | 0.6044% | 4,675 |
| Return on Equity (ROE) | 5.6446% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.4843% | 2,959 |
| Net charge-offs to loans | 0.1252% | 1,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 9.3235% | 1,972 |
| Efficiency ratio | 83.3070% | 842 |
| Assets per employee ($millions) | 3.8362% | 4,238 |
| Cash dividends to net income (ytd only)* | 2.8391% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1881% | 398 |
| Loan loss allowance to noncurrent loans | 53.2564% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0958% | 524 |
| Noncurrent loans to loans | 4.1086% | 241 |
| Net loans and leases to total assets | 49.8943% | 4,566 |
| Net loans and leases to deposits | 57.9509% | 4,587 |
| Net loans and leases to core deposits | 58.5195% | 4,725 |
| Total domestic deposits to total assets | 86.0976% | 2,508 |
| Equity capital to assets | 10.7037% | 2,865 |
| Core capital (leverage) ratio | 11.0467% | 2,388 |
| Tier 1 risk-based capital ratio | 17.5640% | 1,956 |
| Total risk-based capital ratio | 18.8212% | 1,909 |
| Memoranda: | ||
| Average total assets | $209,795,500 | 2,850 |
| Average earning assets | $189,879,500 | 2,882 |
| Average equity | $22,464,000 | 2,913 |
| Average total loans | $108,629,000 | 3,215 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 4,857 |
| Cost of funding earning assets | 0.2220% | 4,775 |
| Net interest margin | 3.2293% | 4,361 |
| Noninterest income to average assets | 0.9810% | 1,065 |
| Noninterest expense to average assets | 2.9767% | 2,228 |
| Loan and lease loss provision to assets | 1.1491% | 83 |
| Net operating income to assets | -0.3986% | 5,502 |
| Return on assets (ROA) | -0.3986% | 5,501 |
| Pretax return on assets | -0.2046% | 5,498 |
| Return on Equity (ROE) | -3.5664% | 5,506 |
| Retained earnings to average equity (ytd only) | -5.1605% | 5,434 |
| Net charge-offs to loans | 2.1341% | 63 |
| Credit loss provision to net charge-offs | 98.3964% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.8088% | 3,961 |
| Efficiency ratio | 75.9123% | 1,630 |
| Assets per employee ($millions) | 3.7250% | 4,393 |
| Cash dividends to net income (ytd only)* | -44.6988% | 5,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1791% | 389 |
| Loan loss allowance to noncurrent loans | 53.8670% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 502 |
| Noncurrent loans to loans | 4.0454% | 231 |
| Net loans and leases to total assets | 51.4101% | 4,561 |
| Net loans and leases to deposits | 59.8737% | 4,573 |
| Net loans and leases to core deposits | 60.6419% | 4,727 |
| Total domestic deposits to total assets | 85.8643% | 2,501 |
| Equity capital to assets | 10.7115% | 2,929 |
| Core capital (leverage) ratio | 10.6332% | 2,710 |
| Tier 1 risk-based capital ratio | 17.1235% | 2,051 |
| Total risk-based capital ratio | 18.3806% | 2,005 |
| Memoranda: | ||
| Average total assets | $208,249,400 | 2,840 |
| Average earning assets | $189,610,000 | 2,869 |
| Average equity | $23,272,800 | 2,828 |
| Average total loans | $113,957,000 | 3,130 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4123% | 4,948 |
| Cost of funding earning assets | 0.2186% | 4,824 |
| Net interest margin | 3.1937% | 4,463 |
| Noninterest income to average assets | 0.8839% | 1,322 |
| Noninterest expense to average assets | 2.8932% | 2,434 |
| Loan and lease loss provision to assets | 1.2509% | 77 |
| Net operating income to assets | -0.5905% | 5,639 |
| Return on assets (ROA) | -0.5905% | 5,638 |
| Pretax return on assets | -0.3497% | 5,603 |
| Return on Equity (ROE) | -5.2300% | 5,634 |
| Retained earnings to average equity (ytd only) | -6.2283% | 5,570 |
| Net charge-offs to loans | 2.7851% | 48 |
| Credit loss provision to net charge-offs | 81.2734% | 2,566 |
| Earnings coverage of net charge-offs (x) | 0.5855% | 3,653 |
| Efficiency ratio | 76.2492% | 1,555 |
| Assets per employee ($millions) | 3.7053% | 4,442 |
| Cash dividends to net income (ytd only)* | -19.0889% | 5,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 1,034 |
| Loan loss allowance to noncurrent loans | 42.8324% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.2376% | 534 |
| Noncurrent loans to loans | 3.9693% | 251 |
| Net loans and leases to total assets | 55.1162% | 4,311 |
| Net loans and leases to deposits | 64.3583% | 4,355 |
| Net loans and leases to core deposits | 65.0783% | 4,547 |
| Total domestic deposits to total assets | 85.6397% | 2,462 |
| Equity capital to assets | 10.8547% | 3,012 |
| Core capital (leverage) ratio | 10.8831% | 2,566 |
| Tier 1 risk-based capital ratio | 16.6625% | 2,263 |
| Total risk-based capital ratio | 17.9150% | 2,215 |
| Memoranda: | ||
| Average total assets | $208,162,000 | 2,862 |
| Average earning assets | $189,703,250 | 2,896 |
| Average equity | $23,505,000 | 2,833 |
| Average total loans | $115,038,750 | 3,147 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 4,898 |
| Cost of funding earning assets | 0.2156% | 4,837 |
| Net interest margin | 3.2256% | 4,335 |
| Noninterest income to average assets | 0.8887% | 1,311 |
| Noninterest expense to average assets | 2.8140% | 2,702 |
| Loan and lease loss provision to assets | 0.1804% | 1,052 |
| Net operating income to assets | 0.4770% | 4,766 |
| Return on assets (ROA) | 0.4770% | 4,800 |
| Pretax return on assets | 0.8379% | 4,135 |
| Return on Equity (ROE) | 4.1708% | 4,778 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,087 |
| Net charge-offs to loans | 0.4904% | 400 |
| Credit loss provision to net charge-offs | 66.9039% | 2,408 |
| Earnings coverage of net charge-offs (x) | 3.7758% | 3,004 |
| Efficiency ratio | 73.4285% | 2,104 |
| Assets per employee ($millions) | 3.6829% | 4,459 |
| Cash dividends to net income (ytd only)* | 35.4125% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 631 |
| Loan loss allowance to noncurrent loans | 35.6543% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 3.1875% | 277 |
| Noncurrent loans to loans | 5.5410% | 117 |
| Net loans and leases to total assets | 56.1740% | 4,211 |
| Net loans and leases to deposits | 65.5691% | 4,255 |
| Net loans and leases to core deposits | 66.3050% | 4,450 |
| Total domestic deposits to total assets | 85.6714% | 2,537 |
| Equity capital to assets | 11.6105% | 2,226 |
| Core capital (leverage) ratio | 11.3556% | 2,082 |
| Tier 1 risk-based capital ratio | 17.5064% | 2,010 |
| Total risk-based capital ratio | 18.7618% | 1,958 |
| Memoranda: | ||
| Average total assets | $208,384,000 | 2,873 |
| Average earning assets | $190,168,670 | 2,913 |
| Average equity | $23,832,330 | 2,800 |
| Average total loans | $114,604,330 | 3,162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,044 |
| Cost of funding earning assets | 0.2133% | 4,853 |
| Net interest margin | 3.1305% | 4,563 |
| Noninterest income to average assets | 0.7524% | 1,737 |
| Noninterest expense to average assets | 2.9066% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7047% | 3,681 |
| Return on assets (ROA) | 0.7047% | 3,724 |
| Pretax return on assets | 0.7047% | 4,439 |
| Return on Equity (ROE) | 6.2081% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.2081% | 2,232 |
| Net charge-offs to loans | 0.8403% | 203 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.5570% | 2,718 |
| Efficiency ratio | 80.4865% | 1,321 |
| Assets per employee ($millions) | 4.0552% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9520% | 732 |
| Loan loss allowance to noncurrent loans | 189.3691% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.5500% | 3,034 |
| Noncurrent loans to loans | 1.0308% | 1,997 |
| Net loans and leases to total assets | 51.2044% | 4,575 |
| Net loans and leases to deposits | 59.3490% | 4,609 |
| Net loans and leases to core deposits | 59.9823% | 4,781 |
| Total domestic deposits to total assets | 86.2767% | 2,544 |
| Equity capital to assets | 11.1550% | 2,471 |
| Core capital (leverage) ratio | 11.4839% | 1,960 |
| Tier 1 risk-based capital ratio | 18.1457% | 1,819 |
| Total risk-based capital ratio | 19.4005% | 1,790 |
| Memoranda: | ||
| Average total assets | $209,453,500 | 2,893 |
| Average earning assets | $191,278,500 | 2,914 |
| Average equity | $23,775,500 | 2,810 |
| Average total loans | $112,811,000 | 3,202 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3996% | 4,981 |
| Cost of funding earning assets | 0.2225% | 4,808 |
| Net interest margin | 3.1770% | 4,513 |
| Noninterest income to average assets | 1.0376% | 1,048 |
| Noninterest expense to average assets | 3.1062% | 2,013 |
| Loan and lease loss provision to assets | 0.0912% | 2,533 |
| Net operating income to assets | 0.5925% | 4,245 |
| Return on assets (ROA) | 0.5925% | 4,353 |
| Pretax return on assets | 0.7274% | 4,398 |
| Return on Equity (ROE) | 5.0322% | 4,422 |
| Retained earnings to average equity (ytd only) | 3.5428% | 3,411 |
| Net charge-offs to loans | 0.1007% | 2,273 |
| Credit loss provision to net charge-offs | 160.7143% | 1,716 |
| Earnings coverage of net charge-offs (x) | 14.4196% | 2,294 |
| Efficiency ratio | 79.1425% | 1,534 |
| Assets per employee ($millions) | 3.7774% | 4,348 |
| Cash dividends to net income (ytd only)* | 29.5979% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 505 |
| Loan loss allowance to noncurrent loans | 220.7273% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 3,042 |
| Noncurrent loans to loans | 0.9702% | 2,150 |
| Net loans and leases to total assets | 54.3931% | 4,405 |
| Net loans and leases to deposits | 62.8550% | 4,479 |
| Net loans and leases to core deposits | 63.6592% | 4,656 |
| Total domestic deposits to total assets | 86.5374% | 2,358 |
| Equity capital to assets | 11.5580% | 2,114 |
| Core capital (leverage) ratio | 11.6629% | 1,819 |
| Tier 1 risk-based capital ratio | 18.1929% | 1,802 |
| Total risk-based capital ratio | 19.4506% | 1,759 |
| Memoranda: | ||
| Average total assets | $197,283,200 | 2,984 |
| Average earning assets | $179,287,000 | 3,024 |
| Average equity | $23,230,400 | 2,869 |
| Average total loans | $111,236,000 | 3,199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 5,016 |
| Cost of funding earning assets | 0.2228% | 4,857 |
| Net interest margin | 3.1839% | 4,526 |
| Noninterest income to average assets | 0.9209% | 1,344 |
| Noninterest expense to average assets | 3.1518% | 1,895 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5323% | 4,565 |
| Return on assets (ROA) | 0.5323% | 4,668 |
| Pretax return on assets | 0.6619% | 4,710 |
| Return on Equity (ROE) | 4.4993% | 4,720 |
| Retained earnings to average equity (ytd only) | 3.5026% | 3,797 |
| Net charge-offs to loans | 0.0843% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.8715% | 2,275 |
| Efficiency ratio | 82.6452% | 1,110 |
| Assets per employee ($millions) | 3.6711% | 4,534 |
| Cash dividends to net income (ytd only)* | 22.1509% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0097% | 717 |
| Loan loss allowance to noncurrent loans | 168.3824% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7247% | 2,751 |
| Noncurrent loans to loans | 1.1935% | 1,884 |
| Net loans and leases to total assets | 57.3893% | 4,154 |
| Net loans and leases to deposits | 66.7571% | 4,268 |
| Net loans and leases to core deposits | 67.5556% | 4,503 |
| Total domestic deposits to total assets | 85.9672% | 2,374 |
| Equity capital to assets | 12.0653% | 2,071 |
| Core capital (leverage) ratio | 11.9714% | 1,697 |
| Tier 1 risk-based capital ratio | 16.2523% | 2,527 |
| Total risk-based capital ratio | 17.5062% | 2,476 |
| Memoranda: | ||
| Average total assets | $195,609,000 | 3,012 |
| Average earning assets | $177,722,500 | 3,045 |
| Average equity | $23,144,000 | 2,901 |
| Average total loans | $110,700,250 | 3,218 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3545% | 5,174 |
| Cost of funding earning assets | 0.2255% | 4,883 |
| Net interest margin | 3.1290% | 4,754 |
| Noninterest income to average assets | 0.9114% | 1,342 |
| Noninterest expense to average assets | 3.0476% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5756% | 4,373 |
| Return on assets (ROA) | 0.5756% | 4,498 |
| Pretax return on assets | 0.7104% | 4,582 |
| Return on Equity (ROE) | 4.8972% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.3950% | 3,729 |
| Net charge-offs to loans | 0.0347% | 2,757 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 36.6316% | 1,223 |
| Efficiency ratio | 81.0972% | 1,376 |
| Assets per employee ($millions) | 3.6367% | 4,536 |
| Cash dividends to net income (ytd only)* | 30.6738% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 658 |
| Loan loss allowance to noncurrent loans | 164.9753% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 2,730 |
| Noncurrent loans to loans | 1.2504% | 1,837 |
| Net loans and leases to total assets | 56.5959% | 4,240 |
| Net loans and leases to deposits | 66.9835% | 4,267 |
| Net loans and leases to core deposits | 67.8185% | 4,490 |
| Total domestic deposits to total assets | 84.4923% | 3,094 |
| Equity capital to assets | 11.8429% | 2,239 |
| Core capital (leverage) ratio | 11.6543% | 1,869 |
| Tier 1 risk-based capital ratio | 15.9540% | 2,665 |
| Total risk-based capital ratio | 17.2082% | 2,600 |
| Memoranda: | ||
| Average total assets | $195,956,670 | 3,029 |
| Average earning assets | $178,266,000 | 3,061 |
| Average equity | $23,033,670 | 2,919 |
| Average total loans | $109,617,000 | 3,238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3206% | 5,278 |
| Cost of funding earning assets | 0.2292% | 4,910 |
| Net interest margin | 3.0914% | 4,888 |
| Noninterest income to average assets | 0.7357% | 1,881 |
| Noninterest expense to average assets | 2.9835% | 2,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4128% | 4,956 |
| Return on assets (ROA) | 0.4128% | 5,029 |
| Pretax return on assets | 0.5640% | 4,914 |
| Return on Equity (ROE) | 3.5250% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.5250% | 3,730 |
| Net charge-offs to loans | 0.0854% | 1,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,822 |
| Efficiency ratio | 84.1014% | 1,148 |
| Assets per employee ($millions) | 3.6445% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1644% | 621 |
| Loan loss allowance to noncurrent loans | 158.9796% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 2,659 |
| Noncurrent loans to loans | 1.3615% | 1,748 |
| Net loans and leases to total assets | 52.7000% | 4,558 |
| Net loans and leases to deposits | 62.0021% | 4,574 |
| Net loans and leases to core deposits | 62.7512% | 4,770 |
| Total domestic deposits to total assets | 84.9971% | 3,137 |
| Equity capital to assets | 11.4953% | 2,445 |
| Core capital (leverage) ratio | 11.6707% | 1,849 |
| Tier 1 risk-based capital ratio | 16.1345% | 2,619 |
| Total risk-based capital ratio | 17.3894% | 2,569 |
| Memoranda: | ||
| Average total assets | $195,745,000 | 3,036 |
| Average earning assets | $178,041,500 | 3,074 |
| Average equity | $22,922,000 | 2,935 |
| Average total loans | $107,683,500 | 3,283 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 4,916 |
| Cost of funding earning assets | 0.2278% | 5,030 |
| Net interest margin | 3.2736% | 4,399 |
| Noninterest income to average assets | 1.0259% | 1,128 |
| Noninterest expense to average assets | 3.2526% | 1,829 |
| Loan and lease loss provision to assets | 0.0631% | 3,035 |
| Net operating income to assets | 0.4902% | 4,730 |
| Return on assets (ROA) | 0.4940% | 4,808 |
| Pretax return on assets | 0.6837% | 4,576 |
| Return on Equity (ROE) | 4.1576% | 4,873 |
| Retained earnings to average equity (ytd only) | 2.6140% | 4,213 |
| Net charge-offs to loans | 0.1069% | 2,322 |
| Credit loss provision to net charge-offs | 108.1081% | 2,333 |
| Earnings coverage of net charge-offs (x) | 12.7117% | 2,439 |
| Efficiency ratio | 81.4342% | 1,481 |
| Assets per employee ($millions) | 3.5378% | 4,752 |
| Cash dividends to net income (ytd only)* | 37.1277% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1975% | 596 |
| Loan loss allowance to noncurrent loans | 143.0303% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.9453% | 2,307 |
| Noncurrent loans to loans | 1.5364% | 1,507 |
| Net loans and leases to total assets | 54.9795% | 4,394 |
| Net loans and leases to deposits | 64.5358% | 4,427 |
| Net loans and leases to core deposits | 65.2482% | 4,645 |
| Total domestic deposits to total assets | 85.1923% | 3,004 |
| Equity capital to assets | 11.9356% | 2,008 |
| Core capital (leverage) ratio | 11.9577% | 1,642 |
| Tier 1 risk-based capital ratio | 16.5704% | 2,442 |
| Total risk-based capital ratio | 17.8263% | 2,396 |
| Memoranda: | ||
| Average total assets | $190,277,000 | 3,050 |
| Average earning assets | $172,532,600 | 3,088 |
| Average equity | $22,609,400 | 2,914 |
| Average total loans | $103,864,800 | 3,320 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,997 |
| Cost of funding earning assets | 0.2266% | 5,120 |
| Net interest margin | 3.2656% | 4,467 |
| Noninterest income to average assets | 0.9357% | 1,352 |
| Noninterest expense to average assets | 3.1417% | 2,113 |
| Loan and lease loss provision to assets | 0.0421% | 3,370 |
| Net operating income to assets | 0.5738% | 4,509 |
| Return on assets (ROA) | 0.5794% | 4,576 |
| Pretax return on assets | 0.7204% | 4,611 |
| Return on Equity (ROE) | 4.8814% | 4,678 |
| Retained earnings to average equity (ytd only) | 3.8413% | 3,737 |
| Net charge-offs to loans | 0.0673% | 2,607 |
| Credit loss provision to net charge-offs | 115.3846% | 2,050 |
| Earnings coverage of net charge-offs (x) | 20.7120% | 1,859 |
| Efficiency ratio | 80.6156% | 1,565 |
| Assets per employee ($millions) | 3.4929% | 4,799 |
| Cash dividends to net income (ytd only)* | 21.3074% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1965% | 671 |
| Loan loss allowance to noncurrent loans | 160.0407% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 2,901 |
| Noncurrent loans to loans | 1.3724% | 1,867 |
| Net loans and leases to total assets | 54.6770% | 4,494 |
| Net loans and leases to deposits | 64.0779% | 4,555 |
| Net loans and leases to core deposits | 64.7777% | 4,777 |
| Total domestic deposits to total assets | 85.3289% | 2,867 |
| Equity capital to assets | 11.9264% | 2,160 |
| Core capital (leverage) ratio | 11.9218% | 1,719 |
| Tier 1 risk-based capital ratio | 16.6555% | 2,499 |
| Total risk-based capital ratio | 17.9110% | 2,458 |
| Memoranda: | ||
| Average total assets | $190,085,750 | 3,074 |
| Average earning assets | $172,377,750 | 3,110 |
| Average equity | $22,561,250 | 2,937 |
| Average total loans | $102,982,500 | 3,366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4734% | 5,057 |
| Cost of funding earning assets | 0.2248% | 5,195 |
| Net interest margin | 3.2486% | 4,507 |
| Noninterest income to average assets | 0.9577% | 1,284 |
| Noninterest expense to average assets | 3.2374% | 1,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5083% | 4,727 |
| Return on assets (ROA) | 0.5163% | 4,802 |
| Pretax return on assets | 0.6758% | 4,732 |
| Return on Equity (ROE) | 4.3574% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.7891% | 4,270 |
| Net charge-offs to loans | 0.0709% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,851 |
| Efficiency ratio | 82.9545% | 1,377 |
| Assets per employee ($millions) | 3.4835% | 4,831 |
| Cash dividends to net income (ytd only)* | 35.9918% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1837% | 752 |
| Loan loss allowance to noncurrent loans | 176.8526% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 3,221 |
| Noncurrent loans to loans | 1.2348% | 2,185 |
| Net loans and leases to total assets | 55.1268% | 4,434 |
| Net loans and leases to deposits | 64.5820% | 4,481 |
| Net loans and leases to core deposits | 65.3010% | 4,711 |
| Total domestic deposits to total assets | 85.3595% | 2,983 |
| Equity capital to assets | 11.9873% | 2,037 |
| Core capital (leverage) ratio | 11.8083% | 1,769 |
| Tier 1 risk-based capital ratio | 16.1932% | 2,763 |
| Total risk-based capital ratio | 17.4486% | 2,708 |
| Memoranda: | ||
| Average total assets | $189,410,330 | 3,113 |
| Average earning assets | $171,703,670 | 3,143 |
| Average equity | $22,444,330 | 2,959 |
| Average total loans | $101,510,000 | 3,412 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 5,131 |
| Cost of funding earning assets | 0.2254% | 5,263 |
| Net interest margin | 3.2094% | 4,576 |
| Noninterest income to average assets | 0.8124% | 1,667 |
| Noninterest expense to average assets | 3.1905% | 2,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4209% | 4,992 |
| Return on assets (ROA) | 0.4209% | 5,114 |
| Pretax return on assets | 0.5283% | 5,102 |
| Return on Equity (ROE) | 3.5727% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.5727% | 3,856 |
| Net charge-offs to loans | 0.0443% | 2,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 22.8182% | 1,339 |
| Efficiency ratio | 85.7951% | 1,198 |
| Assets per employee ($millions) | 3.3963% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 651 |
| Loan loss allowance to noncurrent loans | 176.3376% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 3,328 |
| Noncurrent loans to loans | 1.3393% | 2,149 |
| Net loans and leases to total assets | 50.8641% | 4,763 |
| Net loans and leases to deposits | 58.8824% | 4,841 |
| Net loans and leases to core deposits | 59.5218% | 5,031 |
| Total domestic deposits to total assets | 86.3826% | 2,721 |
| Equity capital to assets | 11.8402% | 2,159 |
| Core capital (leverage) ratio | 11.6194% | 1,915 |
| Tier 1 risk-based capital ratio | 17.0576% | 2,459 |
| Total risk-based capital ratio | 18.3143% | 2,416 |
| Memoranda: | ||
| Average total assets | $190,061,500 | 3,120 |
| Average earning assets | $172,121,000 | 3,154 |
| Average equity | $22,392,000 | 2,983 |
| Average total loans | $99,258,500 | 3,468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4289% | 5,467 |
| Cost of funding earning assets | 0.2478% | 5,352 |
| Net interest margin | 3.1810% | 4,982 |
| Noninterest income to average assets | 1.0248% | 1,162 |
| Noninterest expense to average assets | 3.1492% | 2,364 |
| Loan and lease loss provision to assets | 0.0853% | 2,767 |
| Net operating income to assets | 0.5245% | 4,709 |
| Return on assets (ROA) | 0.5245% | 4,798 |
| Pretax return on assets | 0.6625% | 4,749 |
| Return on Equity (ROE) | 4.6162% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.0289% | 4,085 |
| Net charge-offs to loans | 0.1221% | 2,805 |
| Credit loss provision to net charge-offs | 142.2414% | 1,674 |
| Earnings coverage of net charge-offs (x) | 12.4741% | 2,368 |
| Efficiency ratio | 80.8116% | 1,802 |
| Assets per employee ($millions) | 3.2747% | 5,305 |
| Cash dividends to net income (ytd only)* | 34.3842% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 657 |
| Loan loss allowance to noncurrent loans | 252.5242% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 3,820 |
| Noncurrent loans to loans | 0.9363% | 2,979 |
| Net loans and leases to total assets | 51.1167% | 4,862 |
| Net loans and leases to deposits | 59.4823% | 4,946 |
| Net loans and leases to core deposits | 60.0388% | 5,139 |
| Total domestic deposits to total assets | 85.9360% | 2,877 |
| Equity capital to assets | 11.7226% | 2,237 |
| Core capital (leverage) ratio | 11.5752% | 1,920 |
| Tier 1 risk-based capital ratio | 17.4576% | 2,333 |
| Total risk-based capital ratio | 18.7154% | 2,295 |
| Memoranda: | ||
| Average total assets | $193,506,600 | 3,065 |
| Average earning assets | $174,722,600 | 3,100 |
| Average equity | $21,988,000 | 2,949 |
| Average total loans | $95,014,600 | 3,524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4038% | 5,589 |
| Cost of funding earning assets | 0.2503% | 5,406 |
| Net interest margin | 3.1535% | 5,108 |
| Noninterest income to average assets | 0.9437% | 1,380 |
| Noninterest expense to average assets | 3.0328% | 2,697 |
| Loan and lease loss provision to assets | 0.0446% | 3,507 |
| Net operating income to assets | 0.6138% | 4,382 |
| Return on assets (ROA) | 0.6138% | 4,471 |
| Pretax return on assets | 0.7092% | 4,678 |
| Return on Equity (ROE) | 5.4442% | 4,511 |
| Retained earnings to average equity (ytd only) | 4.3736% | 3,537 |
| Net charge-offs to loans | 0.0355% | 3,779 |
| Credit loss provision to net charge-offs | 260.0000% | 1,017 |
| Earnings coverage of net charge-offs (x) | 43.9634% | 1,062 |
| Efficiency ratio | 80.0942% | 1,902 |
| Assets per employee ($millions) | 3.3930% | 5,059 |
| Cash dividends to net income (ytd only)* | 19.6648% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4530% | 683 |
| Loan loss allowance to noncurrent loans | 151.8807% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 3,252 |
| Noncurrent loans to loans | 1.6151% | 2,021 |
| Net loans and leases to total assets | 48.1551% | 5,193 |
| Net loans and leases to deposits | 59.1002% | 5,011 |
| Net loans and leases to core deposits | 59.7757% | 5,207 |
| Total domestic deposits to total assets | 81.4805% | 4,671 |
| Equity capital to assets | 11.5325% | 2,450 |
| Core capital (leverage) ratio | 11.5522% | 2,020 |
| Tier 1 risk-based capital ratio | 17.7510% | 2,294 |
| Total risk-based capital ratio | 19.0085% | 2,253 |
| Memoranda: | ||
| Average total assets | $194,400,250 | 3,076 |
| Average earning assets | $175,248,500 | 3,123 |
| Average equity | $21,918,750 | 2,958 |
| Average total loans | $93,908,750 | 3,585 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 5,692 |
| Cost of funding earning assets | 0.2478% | 5,510 |
| Net interest margin | 3.1139% | 5,218 |
| Noninterest income to average assets | 1.0106% | 1,172 |
| Noninterest expense to average assets | 3.0729% | 2,588 |
| Loan and lease loss provision to assets | 0.0668% | 2,930 |
| Net operating income to assets | 0.5854% | 4,430 |
| Return on assets (ROA) | 0.5854% | 4,524 |
| Pretax return on assets | 0.6850% | 4,697 |
| Return on Equity (ROE) | 5.2317% | 4,568 |
| Retained earnings to average equity (ytd only) | 3.6163% | 3,888 |
| Net charge-offs to loans | -0.0107% | 5,341 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,765 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3437% | 1,974 |
| Assets per employee ($millions) | 3.3795% | 5,101 |
| Cash dividends to net income (ytd only)* | 30.8772% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5373% | 681 |
| Loan loss allowance to noncurrent loans | 159.0879% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 3,566 |
| Noncurrent loans to loans | 1.5949% | 2,183 |
| Net loans and leases to total assets | 47.3000% | 5,235 |
| Net loans and leases to deposits | 55.8139% | 5,203 |
| Net loans and leases to core deposits | 56.5504% | 5,372 |
| Total domestic deposits to total assets | 84.7459% | 3,619 |
| Equity capital to assets | 11.4224% | 2,495 |
| Core capital (leverage) ratio | 11.0935% | 2,338 |
| Tier 1 risk-based capital ratio | 17.8867% | 2,280 |
| Total risk-based capital ratio | 19.1448% | 2,246 |
| Memoranda: | ||
| Average total assets | $194,733,000 | 3,094 |
| Average earning assets | $175,982,330 | 3,127 |
| Average equity | $21,790,330 | 2,973 |
| Average total loans | $93,386,670 | 3,607 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 5,832 |
| Cost of funding earning assets | 0.2550% | 5,540 |
| Net interest margin | 3.0508% | 5,382 |
| Noninterest income to average assets | 0.9602% | 1,228 |
| Noninterest expense to average assets | 2.9788% | 2,945 |
| Loan and lease loss provision to assets | 0.1328% | 1,825 |
| Net operating income to assets | 0.4719% | 4,829 |
| Return on assets (ROA) | 0.4719% | 4,907 |
| Pretax return on assets | 0.5864% | 4,876 |
| Return on Equity (ROE) | 4.2612% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.2612% | 3,568 |
| Net charge-offs to loans | -0.0086% | 4,991 |
| Credit loss provision to net charge-offs | -3,250.0000% | 5,553 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5525% | 2,124 |
| Assets per employee ($millions) | 3.3548% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5634% | 752 |
| Loan loss allowance to noncurrent loans | 212.4664% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 4,361 |
| Noncurrent loans to loans | 1.2065% | 3,030 |
| Net loans and leases to total assets | 44.7359% | 5,444 |
| Net loans and leases to deposits | 52.1918% | 5,446 |
| Net loans and leases to core deposits | 52.8420% | 5,571 |
| Total domestic deposits to total assets | 85.7145% | 3,507 |
| Equity capital to assets | 10.8293% | 2,905 |
| Core capital (leverage) ratio | 11.0119% | 2,378 |
| Tier 1 risk-based capital ratio | 17.7705% | 2,384 |
| Total risk-based capital ratio | 19.0290% | 2,352 |
| Memoranda: | ||
| Average total assets | $195,784,500 | 3,103 |
| Average earning assets | $175,689,500 | 3,151 |
| Average equity | $21,684,000 | 2,975 |
| Average total loans | $93,337,000 | 3,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 5,884 |
| Cost of funding earning assets | 0.2928% | 5,654 |
| Net interest margin | 3.0843% | 5,366 |
| Noninterest income to average assets | 1.1615% | 1,043 |
| Noninterest expense to average assets | 3.1895% | 2,447 |
| Loan and lease loss provision to assets | 0.2797% | 1,236 |
| Net operating income to assets | 0.3763% | 5,239 |
| Return on assets (ROA) | 0.3498% | 5,445 |
| Pretax return on assets | 0.4393% | 5,386 |
| Return on Equity (ROE) | 3.0882% | 5,470 |
| Retained earnings to average equity (ytd only) | 1.4650% | 5,157 |
| Net charge-offs to loans | 0.3676% | 1,842 |
| Credit loss provision to net charge-offs | 153.4682% | 1,509 |
| Earnings coverage of net charge-offs (x) | 4.1272% | 3,664 |
| Efficiency ratio | 80.9167% | 2,032 |
| Assets per employee ($millions) | 3.2251% | 5,435 |
| Cash dividends to net income (ytd only)* | 52.5602% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4423% | 890 |
| Loan loss allowance to noncurrent loans | 148.6120% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 3,569 |
| Noncurrent loans to loans | 1.6434% | 2,443 |
| Net loans and leases to total assets | 48.3259% | 5,260 |
| Net loans and leases to deposits | 57.5445% | 5,160 |
| Net loans and leases to core deposits | 58.3182% | 5,367 |
| Total domestic deposits to total assets | 83.9800% | 4,175 |
| Equity capital to assets | 11.3359% | 2,310 |
| Core capital (leverage) ratio | 11.3140% | 2,104 |
| Tier 1 risk-based capital ratio | 17.8142% | 2,305 |
| Total risk-based capital ratio | 19.0720% | 2,269 |
| Memoranda: | ||
| Average total assets | $189,840,000 | 3,160 |
| Average earning assets | $171,123,600 | 3,205 |
| Average equity | $21,501,200 | 2,985 |
| Average total loans | $94,124,200 | 3,597 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 5,945 |
| Cost of funding earning assets | 0.3015% | 5,722 |
| Net interest margin | 3.0683% | 5,405 |
| Noninterest income to average assets | 1.0738% | 1,272 |
| Noninterest expense to average assets | 3.1433% | 2,521 |
| Loan and lease loss provision to assets | 0.2706% | 1,301 |
| Net operating income to assets | 0.3160% | 5,559 |
| Return on assets (ROA) | 0.2832% | 5,776 |
| Pretax return on assets | 0.3837% | 5,673 |
| Return on Equity (ROE) | 2.5010% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.4088% | 5,419 |
| Net charge-offs to loans | 0.1275% | 3,253 |
| Credit loss provision to net charge-offs | 427.7778% | 619 |
| Earnings coverage of net charge-offs (x) | 11.0442% | 2,285 |
| Efficiency ratio | 81.8182% | 1,844 |
| Assets per employee ($millions) | 3.0018% | 5,848 |
| Cash dividends to net income (ytd only)* | 43.6723% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4618% | 976 |
| Loan loss allowance to noncurrent loans | 228.4091% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 4,355 |
| Noncurrent loans to loans | 1.0778% | 3,643 |
| Net loans and leases to total assets | 52.1902% | 4,854 |
| Net loans and leases to deposits | 62.2753% | 4,720 |
| Net loans and leases to core deposits | 63.1590% | 4,992 |
| Total domestic deposits to total assets | 83.8056% | 4,279 |
| Equity capital to assets | 11.7396% | 2,096 |
| Core capital (leverage) ratio | 11.4568% | 2,078 |
| Tier 1 risk-based capital ratio | 17.7343% | 2,427 |
| Total risk-based capital ratio | 18.9931% | 2,392 |
| Memoranda: | ||
| Average total assets | $189,729,750 | 3,187 |
| Average earning assets | $171,163,500 | 3,229 |
| Average equity | $21,484,000 | 3,018 |
| Average total loans | $94,091,000 | 3,619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 6,042 |
| Cost of funding earning assets | 0.3068% | 5,774 |
| Net interest margin | 3.0213% | 5,517 |
| Noninterest income to average assets | 1.1254% | 1,203 |
| Noninterest expense to average assets | 3.1469% | 2,519 |
| Loan and lease loss provision to assets | 0.1563% | 2,361 |
| Net operating income to assets | 0.4366% | 5,075 |
| Return on assets (ROA) | 0.4366% | 5,236 |
| Pretax return on assets | 0.5418% | 5,230 |
| Return on Equity (ROE) | 3.9013% | 5,252 |
| Retained earnings to average equity (ytd only) | 2.2626% | 4,842 |
| Net charge-offs to loans | 0.1035% | 3,325 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 13.9583% | 1,860 |
| Efficiency ratio | 81.8428% | 1,907 |
| Assets per employee ($millions) | 3.0491% | 5,767 |
| Cash dividends to net income (ytd only)* | 42.0048% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,128 |
| Loan loss allowance to noncurrent loans | 184.4555% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 4,156 |
| Noncurrent loans to loans | 1.2870% | 3,405 |
| Net loans and leases to total assets | 48.2700% | 5,305 |
| Net loans and leases to deposits | 57.5297% | 5,202 |
| Net loans and leases to core deposits | 58.2253% | 5,401 |
| Total domestic deposits to total assets | 83.9045% | 4,364 |
| Equity capital to assets | 11.3739% | 2,406 |
| Core capital (leverage) ratio | 11.1515% | 2,214 |
| Tier 1 risk-based capital ratio | 17.8525% | 2,372 |
| Total risk-based capital ratio | 19.1098% | 2,334 |
| Memoranda: | ||
| Average total assets | $191,937,330 | 3,169 |
| Average earning assets | $172,771,330 | 3,214 |
| Average equity | $21,480,000 | 3,035 |
| Average total loans | $92,796,000 | 3,660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 6,146 |
| Cost of funding earning assets | 0.3221% | 5,783 |
| Net interest margin | 2.9842% | 5,613 |
| Noninterest income to average assets | 0.8460% | 1,938 |
| Noninterest expense to average assets | 3.0158% | 2,940 |
| Loan and lease loss provision to assets | 0.1551% | 2,316 |
| Net operating income to assets | 0.2337% | 5,779 |
| Return on assets (ROA) | 0.2337% | 5,907 |
| Pretax return on assets | 0.3578% | 5,691 |
| Return on Equity (ROE) | 2.1054% | 5,902 |
| Retained earnings to average equity (ytd only) | 2.1054% | 4,949 |
| Net charge-offs to loans | 0.0562% | 3,264 |
| Credit loss provision to net charge-offs | 576.9231% | 470 |
| Earnings coverage of net charge-offs (x) | 19.0769% | 1,238 |
| Efficiency ratio | 85.4631% | 1,591 |
| Assets per employee ($millions) | 3.2775% | 5,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3840% | 1,271 |
| Loan loss allowance to noncurrent loans | 195.7772% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 3,408 |
| Noncurrent loans to loans | 1.2177% | 3,738 |
| Net loans and leases to total assets | 45.3705% | 5,505 |
| Net loans and leases to deposits | 53.1194% | 5,511 |
| Net loans and leases to core deposits | 53.8062% | 5,684 |
| Total domestic deposits to total assets | 85.4123% | 3,839 |
| Equity capital to assets | 10.9412% | 3,029 |
| Core capital (leverage) ratio | 10.8969% | 2,352 |
| Tier 1 risk-based capital ratio | 17.6573% | 2,501 |
| Total risk-based capital ratio | 18.9141% | 2,460 |
| Memoranda: | ||
| Average total assets | $193,382,500 | 3,177 |
| Average earning assets | $173,847,500 | 3,222 |
| Average equity | $21,469,000 | 3,083 |
| Average total loans | $92,458,000 | 3,688 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 5,989 |
| Cost of funding earning assets | 0.4542% | 5,552 |
| Net interest margin | 3.2775% | 5,329 |
| Noninterest income to average assets | 1.1239% | 1,232 |
| Noninterest expense to average assets | 3.3417% | 2,215 |
| Loan and lease loss provision to assets | 0.4302% | 1,483 |
| Net operating income to assets | 0.2979% | 5,475 |
| Return on assets (ROA) | 0.2985% | 5,680 |
| Pretax return on assets | 0.2786% | 5,858 |
| Return on Equity (ROE) | 2.5938% | 5,715 |
| Retained earnings to average equity (ytd only) | 0.9581% | 5,395 |
| Net charge-offs to loans | 0.3401% | 2,933 |
| Credit loss provision to net charge-offs | 251.5723% | 965 |
| Earnings coverage of net charge-offs (x) | 4.1415% | 3,465 |
| Efficiency ratio | 82.5123% | 1,805 |
| Assets per employee ($millions) | 3.1166% | 5,814 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,431 |
| Loan loss allowance to noncurrent loans | 137.1114% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 1.5927% | 2,999 |
| Noncurrent loans to loans | 1.6511% | 3,147 |
| Net loans and leases to total assets | 48.0756% | 5,410 |
| Net loans and leases to deposits | 56.3104% | 5,414 |
| Net loans and leases to core deposits | 56.8795% | 5,641 |
| Total domestic deposits to total assets | 85.3761% | 3,674 |
| Equity capital to assets | 11.2680% | 2,667 |
| Core capital (leverage) ratio | 11.1155% | 2,154 |
| Tier 1 risk-based capital ratio | 17.4785% | 2,460 |
| Total risk-based capital ratio | 18.7350% | 2,434 |
| Memoranda: | ||
| Average total assets | $185,953,200 | 3,220 |
| Average earning assets | $166,011,600 | 3,289 |
| Average equity | $21,396,800 | 3,054 |
| Average total loans | $93,512,000 | 3,661 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 6,042 |
| Cost of funding earning assets | 0.4914% | 5,498 |
| Net interest margin | 3.3014% | 5,391 |
| Noninterest income to average assets | 1.0260% | 1,436 |
| Noninterest expense to average assets | 3.2476% | 2,431 |
| Loan and lease loss provision to assets | 0.3677% | 1,767 |
| Net operating income to assets | 0.3123% | 5,572 |
| Return on assets (ROA) | 0.3129% | 5,773 |
| Pretax return on assets | 0.3569% | 5,820 |
| Return on Equity (ROE) | 2.7052% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.6019% | 5,533 |
| Net charge-offs to loans | 0.3921% | 2,524 |
| Credit loss provision to net charge-offs | 185.4545% | 1,493 |
| Earnings coverage of net charge-offs (x) | 3.6509% | 3,565 |
| Efficiency ratio | 81.7720% | 1,836 |
| Assets per employee ($millions) | 3.0303% | 6,006 |
| Cash dividends to net income (ytd only)* | 40.7829% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0179% | 2,115 |
| Loan loss allowance to noncurrent loans | 206.6298% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2742% | 3,744 |
| Noncurrent loans to loans | 0.9766% | 4,486 |
| Net loans and leases to total assets | 48.3290% | 5,508 |
| Net loans and leases to deposits | 58.0343% | 5,426 |
| Net loans and leases to core deposits | 58.6551% | 5,692 |
| Total domestic deposits to total assets | 83.2766% | 4,530 |
| Equity capital to assets | 11.4610% | 2,789 |
| Core capital (leverage) ratio | 11.4242% | 2,039 |
| Tier 1 risk-based capital ratio | 17.4584% | 2,555 |
| Total risk-based capital ratio | 18.7121% | 2,519 |
| Memoranda: | ||
| Average total assets | $184,913,250 | 3,271 |
| Average earning assets | $164,978,750 | 3,343 |
| Average equity | $21,390,500 | 3,081 |
| Average total loans | $93,511,250 | 3,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 6,000 |
| Cost of funding earning assets | 0.5413% | 5,364 |
| Net interest margin | 3.3233% | 5,377 |
| Noninterest income to average assets | 1.0548% | 1,303 |
| Noninterest expense to average assets | 3.2829% | 2,354 |
| Loan and lease loss provision to assets | 0.4567% | 1,397 |
| Net operating income to assets | 0.2264% | 5,840 |
| Return on assets (ROA) | 0.2273% | 6,025 |
| Pretax return on assets | 0.2740% | 6,008 |
| Return on Equity (ROE) | 1.9585% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.2999% | 5,945 |
| Net charge-offs to loans | 0.4968% | 2,095 |
| Credit loss provision to net charge-offs | 180.2575% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.8798% | 3,591 |
| Efficiency ratio | 81.8157% | 1,907 |
| Assets per employee ($millions) | 2.9901% | 6,083 |
| Cash dividends to net income (ytd only)* | 84.6890% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9603% | 2,340 |
| Loan loss allowance to noncurrent loans | 304.1736% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 4,234 |
| Noncurrent loans to loans | 0.6445% | 5,224 |
| Net loans and leases to total assets | 49.1518% | 5,462 |
| Net loans and leases to deposits | 58.5719% | 5,389 |
| Net loans and leases to core deposits | 59.0727% | 5,685 |
| Total domestic deposits to total assets | 83.9171% | 4,348 |
| Equity capital to assets | 11.4947% | 2,603 |
| Core capital (leverage) ratio | 11.4171% | 1,959 |
| Tier 1 risk-based capital ratio | 17.4333% | 2,495 |
| Total risk-based capital ratio | 18.6861% | 2,461 |
| Memoranda: | ||
| Average total assets | $183,924,000 | 3,296 |
| Average earning assets | $163,691,000 | 3,367 |
| Average equity | $21,343,000 | 3,066 |
| Average total loans | $93,791,330 | 3,718 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 5,987 |
| Cost of funding earning assets | 0.6302% | 4,888 |
| Net interest margin | 3.2837% | 5,517 |
| Noninterest income to average assets | 0.9040% | 1,733 |
| Noninterest expense to average assets | 3.1770% | 2,674 |
| Loan and lease loss provision to assets | 0.1965% | 2,979 |
| Net operating income to assets | 0.3889% | 5,302 |
| Return on assets (ROA) | 0.3908% | 5,482 |
| Pretax return on assets | 0.4454% | 5,600 |
| Return on Equity (ROE) | 3.3521% | 5,571 |
| Retained earnings to average equity (ytd only) | 3.3334% | 4,564 |
| Net charge-offs to loans | 0.2208% | 2,816 |
| Credit loss provision to net charge-offs | 173.0769% | 1,473 |
| Earnings coverage of net charge-offs (x) | 5.6346% | 2,325 |
| Efficiency ratio | 83.2380% | 1,766 |
| Assets per employee ($millions) | 2.8823% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.5587% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7721% | 3,083 |
| Loan loss allowance to noncurrent loans | 156.6479% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 2.7403% | 2,148 |
| Noncurrent loans to loans | 1.1313% | 4,448 |
| Net loans and leases to total assets | 51.0697% | 5,141 |
| Net loans and leases to deposits | 61.0051% | 5,043 |
| Net loans and leases to core deposits | 61.5378% | 5,378 |
| Total domestic deposits to total assets | 83.7140% | 4,629 |
| Equity capital to assets | 11.8193% | 2,168 |
| Core capital (leverage) ratio | 11.4230% | 1,944 |
| Tier 1 risk-based capital ratio | 17.2539% | 2,577 |
| Total risk-based capital ratio | 18.5056% | 2,546 |
| Memoranda: | ||
| Average total assets | $183,191,500 | 3,332 |
| Average earning assets | $162,500,000 | 3,400 |
| Average equity | $21,359,500 | 3,066 |
| Average total loans | $94,215,000 | 3,732 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 6,075 |
| Cost of funding earning assets | 0.8044% | 4,836 |
| Net interest margin | 3.3876% | 5,523 |
| Noninterest income to average assets | 1.0480% | 1,222 |
| Noninterest expense to average assets | 3.7017% | 1,536 |
| Loan and lease loss provision to assets | 0.3420% | 2,962 |
| Net operating income to assets | 0.2306% | 5,486 |
| Return on assets (ROA) | 0.2344% | 5,620 |
| Pretax return on assets | 0.0303% | 6,072 |
| Return on Equity (ROE) | 2.0066% | 5,660 |
| Retained earnings to average equity (ytd only) | 0.3588% | 5,670 |
| Net charge-offs to loans | 0.4472% | 3,197 |
| Credit loss provision to net charge-offs | 142.8571% | 2,037 |
| Earnings coverage of net charge-offs (x) | 1.5392% | 4,620 |
| Efficiency ratio | 90.9473% | 1,119 |
| Assets per employee ($millions) | 2.9806% | 6,127 |
| Cash dividends to net income (ytd only)* | 82.1176% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7390% | 3,062 |
| Loan loss allowance to noncurrent loans | 112.9924% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.6207% | 3,526 |
| Noncurrent loans to loans | 1.5390% | 3,845 |
| Net loans and leases to total assets | 49.9935% | 5,579 |
| Net loans and leases to deposits | 59.8024% | 5,509 |
| Net loans and leases to core deposits | 60.3336% | 5,818 |
| Total domestic deposits to total assets | 83.5978% | 4,498 |
| Equity capital to assets | 11.5028% | 2,503 |
| Core capital (leverage) ratio | 11.4104% | 1,958 |
| Tier 1 risk-based capital ratio | 17.0242% | 2,589 |
| Total risk-based capital ratio | 18.2754% | 2,544 |
| Memoranda: | ||
| Average total assets | $181,293,200 | 3,314 |
| Average earning assets | $161,735,000 | 3,372 |
| Average equity | $21,180,200 | 2,989 |
| Average total loans | $97,047,200 | 3,699 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 6,117 |
| Cost of funding earning assets | 0.8332% | 4,917 |
| Net interest margin | 3.4041% | 5,554 |
| Noninterest income to average assets | 0.9452% | 1,501 |
| Noninterest expense to average assets | 3.5443% | 1,825 |
| Loan and lease loss provision to assets | 0.3695% | 2,639 |
| Net operating income to assets | 0.2550% | 5,552 |
| Return on assets (ROA) | 0.2601% | 5,690 |
| Pretax return on assets | 0.0739% | 6,135 |
| Return on Equity (ROE) | 2.2179% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.1089% | 5,575 |
| Net charge-offs to loans | 0.5344% | 2,631 |
| Credit loss provision to net charge-offs | 127.5510% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.5128% | 4,501 |
| Efficiency ratio | 88.9961% | 1,248 |
| Assets per employee ($millions) | 2.8982% | 6,313 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 3,456 |
| Loan loss allowance to noncurrent loans | 63.8900% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4059% | 2,678 |
| Noncurrent loans to loans | 2.5775% | 2,689 |
| Net loans and leases to total assets | 51.7531% | 5,480 |
| Net loans and leases to deposits | 61.9891% | 5,402 |
| Net loans and leases to core deposits | 62.6629% | 5,755 |
| Total domestic deposits to total assets | 83.4873% | 4,485 |
| Equity capital to assets | 11.9030% | 2,329 |
| Core capital (leverage) ratio | 11.7490% | 1,859 |
| Tier 1 risk-based capital ratio | 17.2278% | 2,556 |
| Total risk-based capital ratio | 18.4782% | 2,513 |
| Memoranda: | ||
| Average total assets | $180,417,000 | 3,340 |
| Average earning assets | $160,976,750 | 3,404 |
| Average equity | $21,161,000 | 2,988 |
| Average total loans | $97,803,500 | 3,707 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 6,110 |
| Cost of funding earning assets | 0.8566% | 5,009 |
| Net interest margin | 3.4128% | 5,512 |
| Noninterest income to average assets | 0.9908% | 1,347 |
| Noninterest expense to average assets | 3.4861% | 2,018 |
| Loan and lease loss provision to assets | 0.4650% | 2,120 |
| Net operating income to assets | 0.3886% | 5,001 |
| Return on assets (ROA) | 0.3886% | 5,139 |
| Pretax return on assets | 0.0919% | 6,113 |
| Return on Equity (ROE) | 3.3293% | 5,247 |
| Retained earnings to average equity (ytd only) | 1.6599% | 5,164 |
| Net charge-offs to loans | 0.0789% | 4,852 |
| Credit loss provision to net charge-offs | 1,076.9231% | 312 |
| Earnings coverage of net charge-offs (x) | 12.8974% | 1,592 |
| Efficiency ratio | 86.2267% | 1,581 |
| Assets per employee ($millions) | 2.9237% | 6,248 |
| Cash dividends to net income (ytd only)* | 50.1425% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,766 |
| Loan loss allowance to noncurrent loans | 53.5714% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 2.6248% | 2,538 |
| Noncurrent loans to loans | 3.4872% | 2,029 |
| Net loans and leases to total assets | 53.0305% | 5,429 |
| Net loans and leases to deposits | 63.7439% | 5,312 |
| Net loans and leases to core deposits | 64.4322% | 5,682 |
| Total domestic deposits to total assets | 83.1931% | 4,679 |
| Equity capital to assets | 11.7371% | 2,298 |
| Core capital (leverage) ratio | 11.4799% | 1,924 |
| Tier 1 risk-based capital ratio | 16.8259% | 2,601 |
| Total risk-based capital ratio | 18.0781% | 2,561 |
| Memoranda: | ||
| Average total assets | $180,660,670 | 3,358 |
| Average earning assets | $161,570,330 | 3,415 |
| Average equity | $21,085,330 | 2,988 |
| Average total loans | $98,888,000 | 3,715 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2284% | 6,213 |
| Cost of funding earning assets | 0.8813% | 5,057 |
| Net interest margin | 3.3471% | 5,618 |
| Noninterest income to average assets | 0.9248% | 1,567 |
| Noninterest expense to average assets | 3.5885% | 1,792 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2994% | 5,403 |
| Return on assets (ROA) | 0.2994% | 5,471 |
| Pretax return on assets | 0.3349% | 5,545 |
| Return on Equity (ROE) | 2.5727% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.5727% | 4,619 |
| Net charge-offs to loans | 0.0644% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 9.4375% | 1,720 |
| Efficiency ratio | 91.4641% | 1,205 |
| Assets per employee ($millions) | 2.9050% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,429 |
| Loan loss allowance to noncurrent loans | 43.9571% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 2.4753% | 2,755 |
| Noncurrent loans to loans | 3.3036% | 2,275 |
| Net loans and leases to total assets | 52.3053% | 5,539 |
| Net loans and leases to deposits | 63.4512% | 5,329 |
| Net loans and leases to core deposits | 64.1232% | 5,711 |
| Total domestic deposits to total assets | 82.4338% | 5,131 |
| Equity capital to assets | 11.3323% | 2,390 |
| Core capital (leverage) ratio | 11.6169% | 1,787 |
| Tier 1 risk-based capital ratio | 16.5484% | 2,644 |
| Total risk-based capital ratio | 17.6733% | 2,672 |
| Memoranda: | ||
| Average total assets | $180,355,500 | 3,383 |
| Average earning assets | $161,573,500 | 3,432 |
| Average equity | $20,990,000 | 2,982 |
| Average total loans | $99,352,500 | 3,741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 5,201 |
| Cost of funding earning assets | 1.1834% | 4,655 |
| Net interest margin | 3.6763% | 4,457 |
| Noninterest income to average assets | 0.9635% | 1,632 |
| Noninterest expense to average assets | 3.5916% | 1,945 |
| Loan and lease loss provision to assets | 0.6059% | 2,711 |
| Net operating income to assets | 0.0372% | 5,737 |
| Return on assets (ROA) | 0.0376% | 5,873 |
| Pretax return on assets | 0.0729% | 5,752 |
| Return on Equity (ROE) | 0.3102% | 5,878 |
| Retained earnings to average equity (ytd only) | -1.3299% | 5,862 |
| Net charge-offs to loans | 0.8138% | 2,602 |
| Credit loss provision to net charge-offs | 124.4444% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.3930% | 4,718 |
| Efficiency ratio | 84.1158% | 1,906 |
| Assets per employee ($millions) | 2.7745% | 6,556 |
| Cash dividends to net income (ytd only)* | 528.7879% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 4,289 |
| Loan loss allowance to noncurrent loans | 47.9008% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.5093% | 2,765 |
| Noncurrent loans to loans | 3.0242% | 2,526 |
| Net loans and leases to total assets | 56.3971% | 5,278 |
| Net loans and leases to deposits | 68.3305% | 5,058 |
| Net loans and leases to core deposits | 69.1070% | 5,539 |
| Total domestic deposits to total assets | 82.5357% | 5,003 |
| Equity capital to assets | 11.9634% | 1,941 |
| Core capital (leverage) ratio | 11.6956% | 1,728 |
| Tier 1 risk-based capital ratio | 16.7197% | 2,451 |
| Total risk-based capital ratio | 17.8763% | 2,457 |
| Memoranda: | ||
| Average total assets | $175,604,000 | 3,448 |
| Average earning assets | $157,928,800 | 3,488 |
| Average equity | $21,279,800 | 2,972 |
| Average total loans | $105,066,400 | 3,651 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 4,967 |
| Cost of funding earning assets | 1.2277% | 4,700 |
| Net interest margin | 3.7379% | 4,239 |
| Noninterest income to average assets | 0.8646% | 1,935 |
| Noninterest expense to average assets | 3.4802% | 2,078 |
| Loan and lease loss provision to assets | 0.4581% | 3,182 |
| Net operating income to assets | 0.1406% | 5,659 |
| Return on assets (ROA) | 0.1411% | 5,823 |
| Pretax return on assets | 0.2935% | 5,531 |
| Return on Equity (ROE) | 1.1603% | 5,856 |
| Retained earnings to average equity (ytd only) | 0.0624% | 5,753 |
| Net charge-offs to loans | 0.2458% | 4,464 |
| Credit loss provision to net charge-offs | 308.1633% | 1,032 |
| Earnings coverage of net charge-offs (x) | 5.0510% | 2,862 |
| Efficiency ratio | 82.2549% | 2,037 |
| Assets per employee ($millions) | 2.7221% | 6,742 |
| Cash dividends to net income (ytd only)* | 94.6248% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,634 |
| Loan loss allowance to noncurrent loans | 50.9743% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.9384% | 3,555 |
| Noncurrent loans to loans | 3.0913% | 2,580 |
| Net loans and leases to total assets | 59.0847% | 5,088 |
| Net loans and leases to deposits | 70.6957% | 5,048 |
| Net loans and leases to core deposits | 71.7782% | 5,540 |
| Total domestic deposits to total assets | 83.5761% | 4,334 |
| Equity capital to assets | 12.2773% | 1,992 |
| Core capital (leverage) ratio | 12.1173% | 1,607 |
| Tier 1 risk-based capital ratio | 16.6647% | 2,478 |
| Total risk-based capital ratio | 17.9622% | 2,418 |
| Memoranda: | ||
| Average total assets | $175,807,250 | 3,485 |
| Average earning assets | $158,337,500 | 3,526 |
| Average equity | $21,372,000 | 2,996 |
| Average total loans | $106,326,500 | 3,674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0412% | 4,741 |
| Cost of funding earning assets | 1.2726% | 4,701 |
| Net interest margin | 3.7686% | 4,054 |
| Noninterest income to average assets | 0.8359% | 1,940 |
| Noninterest expense to average assets | 3.4094% | 2,235 |
| Loan and lease loss provision to assets | 0.2722% | 4,213 |
| Net operating income to assets | 0.3984% | 4,763 |
| Return on assets (ROA) | 0.3992% | 4,918 |
| Pretax return on assets | 0.5512% | 4,736 |
| Return on Equity (ROE) | 3.2949% | 5,097 |
| Retained earnings to average equity (ytd only) | 1.6475% | 5,047 |
| Net charge-offs to loans | 0.2151% | 4,315 |
| Credit loss provision to net charge-offs | 208.6957% | 1,863 |
| Earnings coverage of net charge-offs (x) | 6.3043% | 2,477 |
| Efficiency ratio | 80.5682% | 2,362 |
| Assets per employee ($millions) | 2.7144% | 6,763 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 5,094 |
| Loan loss allowance to noncurrent loans | 70.6156% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 4,739 |
| Noncurrent loans to loans | 1.7958% | 4,008 |
| Net loans and leases to total assets | 61.1770% | 4,844 |
| Net loans and leases to deposits | 73.2297% | 4,803 |
| Net loans and leases to core deposits | 74.3496% | 5,402 |
| Total domestic deposits to total assets | 83.5412% | 4,317 |
| Equity capital to assets | 12.3539% | 1,894 |
| Core capital (leverage) ratio | 11.9886% | 1,644 |
| Tier 1 risk-based capital ratio | 15.3274% | 2,989 |
| Total risk-based capital ratio | 16.3080% | 3,093 |
| Memoranda: | ||
| Average total assets | $176,337,670 | 3,500 |
| Average earning assets | $158,891,670 | 3,535 |
| Average equity | $21,366,330 | 2,993 |
| Average total loans | $106,907,670 | 3,697 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9869% | 5,075 |
| Cost of funding earning assets | 1.3171% | 4,715 |
| Net interest margin | 3.6699% | 4,395 |
| Noninterest income to average assets | 0.6282% | 3,099 |
| Noninterest expense to average assets | 3.4450% | 2,119 |
| Loan and lease loss provision to assets | 0.2702% | 3,867 |
| Net operating income to assets | 0.0819% | 6,072 |
| Return on assets (ROA) | 0.0833% | 6,174 |
| Pretax return on assets | 0.2342% | 5,786 |
| Return on Equity (ROE) | 0.6942% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.6942% | 5,545 |
| Net charge-offs to loans | 0.0864% | 4,558 |
| Credit loss provision to net charge-offs | 521.7391% | 807 |
| Earnings coverage of net charge-offs (x) | 9.6957% | 1,819 |
| Efficiency ratio | 87.2790% | 1,658 |
| Assets per employee ($millions) | 2.6894% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,268 |
| Loan loss allowance to noncurrent loans | 64.4959% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 1.2163% | 4,742 |
| Noncurrent loans to loans | 1.9258% | 3,894 |
| Net loans and leases to total assets | 59.8907% | 5,134 |
| Net loans and leases to deposits | 70.3245% | 5,297 |
| Net loans and leases to core deposits | 71.3540% | 5,788 |
| Total domestic deposits to total assets | 85.1634% | 3,574 |
| Equity capital to assets | 11.9876% | 2,052 |
| Core capital (leverage) ratio | 11.7676% | 1,769 |
| Tier 1 risk-based capital ratio | 16.2249% | 2,550 |
| Total risk-based capital ratio | 17.2485% | 2,611 |
| Memoranda: | ||
| Average total assets | $177,647,000 | 3,530 |
| Average earning assets | $160,660,500 | 3,553 |
| Average equity | $21,319,000 | 3,031 |
| Average total loans | $106,541,000 | 3,764 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 5,402 |
| Cost of funding earning assets | 1.6336% | 4,870 |
| Net interest margin | 3.6184% | 4,481 |
| Noninterest income to average assets | 0.9424% | 1,780 |
| Noninterest expense to average assets | 3.5429% | 2,285 |
| Loan and lease loss provision to assets | 0.2564% | 5,343 |
| Net operating income to assets | 0.2543% | 4,704 |
| Return on assets (ROA) | 0.2564% | 4,779 |
| Pretax return on assets | 0.4509% | 4,349 |
| Return on Equity (ROE) | 2.1128% | 4,857 |
| Retained earnings to average equity (ytd only) | -0.1532% | 4,978 |
| Net charge-offs to loans | 0.1345% | 5,859 |
| Credit loss provision to net charge-offs | 320.4225% | 1,017 |
| Earnings coverage of net charge-offs (x) | 8.7958% | 1,894 |
| Efficiency ratio | 83.4240% | 2,423 |
| Assets per employee ($millions) | 2.7353% | 6,794 |
| Cash dividends to net income (ytd only)* | 107.2527% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,492 |
| Loan loss allowance to noncurrent loans | 59.2451% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 4,637 |
| Noncurrent loans to loans | 1.9850% | 3,666 |
| Net loans and leases to total assets | 58.6066% | 5,554 |
| Net loans and leases to deposits | 68.5339% | 5,771 |
| Net loans and leases to core deposits | 76.7948% | 6,353 |
| Total domestic deposits to total assets | 85.5147% | 3,282 |
| Equity capital to assets | 12.0139% | 2,033 |
| Core capital (leverage) ratio | 11.9731% | 1,674 |
| Tier 1 risk-based capital ratio | 16.2264% | 2,425 |
| Total risk-based capital ratio | 17.1775% | 2,483 |
| Memoranda: | ||
| Average total assets | $177,425,400 | 3,478 |
| Average earning assets | $162,032,800 | 3,481 |
| Average equity | $21,535,400 | 3,008 |
| Average total loans | $105,540,400 | 3,793 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 5,433 |
| Cost of funding earning assets | 1.6919% | 4,943 |
| Net interest margin | 3.6065% | 4,460 |
| Noninterest income to average assets | 0.8812% | 2,052 |
| Noninterest expense to average assets | 3.4578% | 2,395 |
| Loan and lease loss provision to assets | 0.2970% | 4,591 |
| Net operating income to assets | 0.3050% | 4,774 |
| Return on assets (ROA) | 0.3083% | 4,870 |
| Pretax return on assets | 0.4308% | 4,715 |
| Return on Equity (ROE) | 2.5332% | 4,971 |
| Retained earnings to average equity (ytd only) | 1.3902% | 4,541 |
| Net charge-offs to loans | 0.0834% | 5,846 |
| Credit loss provision to net charge-offs | 598.4848% | 642 |
| Earnings coverage of net charge-offs (x) | 14.5753% | 1,590 |
| Efficiency ratio | 82.7010% | 2,478 |
| Assets per employee ($millions) | 2.7685% | 6,704 |
| Cash dividends to net income (ytd only)* | 45.1221% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,208 |
| Loan loss allowance to noncurrent loans | 66.7730% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 4,858 |
| Noncurrent loans to loans | 1.7712% | 3,960 |
| Net loans and leases to total assets | 60.1690% | 5,555 |
| Net loans and leases to deposits | 71.2888% | 5,763 |
| Net loans and leases to core deposits | 80.3253% | 6,324 |
| Total domestic deposits to total assets | 84.4017% | 3,533 |
| Equity capital to assets | 12.4294% | 1,992 |
| Core capital (leverage) ratio | 12.1638% | 1,726 |
| Tier 1 risk-based capital ratio | 16.5716% | 2,398 |
| Total risk-based capital ratio | 17.5435% | 2,454 |
| Memoranda: | ||
| Average total assets | $177,333,250 | 3,505 |
| Average earning assets | $162,260,000 | 3,508 |
| Average equity | $21,579,250 | 3,022 |
| Average total loans | $105,565,750 | 3,832 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3226% | 5,539 |
| Cost of funding earning assets | 1.7444% | 5,049 |
| Net interest margin | 3.5782% | 4,456 |
| Noninterest income to average assets | 0.9523% | 1,749 |
| Noninterest expense to average assets | 3.3560% | 2,768 |
| Loan and lease loss provision to assets | 0.3758% | 3,674 |
| Net operating income to assets | 0.3519% | 4,674 |
| Return on assets (ROA) | 0.3567% | 4,771 |
| Pretax return on assets | 0.5059% | 4,601 |
| Return on Equity (ROE) | 2.9518% | 4,920 |
| Retained earnings to average equity (ytd only) | 1.3181% | 4,604 |
| Net charge-offs to loans | 0.0266% | 6,103 |
| Credit loss provision to net charge-offs | 2,392.8571% | 224 |
| Earnings coverage of net charge-offs (x) | 55.7143% | 633 |
| Efficiency ratio | 79.3213% | 3,144 |
| Assets per employee ($millions) | 2.6571% | 6,938 |
| Cash dividends to net income (ytd only)* | 55.3459% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 5,123 |
| Loan loss allowance to noncurrent loans | 61.3569% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 4,612 |
| Noncurrent loans to loans | 1.9129% | 3,653 |
| Net loans and leases to total assets | 59.0250% | 5,842 |
| Net loans and leases to deposits | 69.3558% | 6,058 |
| Net loans and leases to core deposits | 78.5711% | 6,510 |
| Total domestic deposits to total assets | 85.1046% | 3,214 |
| Equity capital to assets | 12.1335% | 2,128 |
| Core capital (leverage) ratio | 11.8283% | 1,905 |
| Tier 1 risk-based capital ratio | 16.4381% | 2,465 |
| Total risk-based capital ratio | 17.3997% | 2,517 |
| Memoranda: | ||
| Average total assets | $178,305,330 | 3,510 |
| Average earning assets | $163,378,670 | 3,497 |
| Average equity | $21,546,000 | 3,025 |
| Average total loans | $105,354,000 | 3,884 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 5,648 |
| Cost of funding earning assets | 1.7807% | 5,204 |
| Net interest margin | 3.5712% | 4,447 |
| Noninterest income to average assets | 0.7711% | 2,480 |
| Noninterest expense to average assets | 3.4700% | 2,171 |
| Loan and lease loss provision to assets | 0.1345% | 5,236 |
| Net operating income to assets | 0.2040% | 5,646 |
| Return on assets (ROA) | 0.2040% | 5,814 |
| Pretax return on assets | 0.4349% | 5,293 |
| Return on Equity (ROE) | 1.6916% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.6916% | 4,902 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9046% | 2,078 |
| Assets per employee ($millions) | 2.7474% | 6,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,478 |
| Loan loss allowance to noncurrent loans | 54.8333% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 4,641 |
| Noncurrent loans to loans | 1.7367% | 3,659 |
| Net loans and leases to total assets | 57.4848% | 6,029 |
| Net loans and leases to deposits | 66.7996% | 6,302 |
| Net loans and leases to core deposits | 76.2121% | 6,662 |
| Total domestic deposits to total assets | 86.0556% | 2,682 |
| Equity capital to assets | 12.1054% | 2,195 |
| Core capital (leverage) ratio | 11.9722% | 1,912 |
| Tier 1 risk-based capital ratio | 16.7273% | 2,434 |
| Total risk-based capital ratio | 17.5031% | 2,539 |
| Memoranda: | ||
| Average total assets | $178,444,000 | 3,536 |
| Average earning assets | $163,307,000 | 3,521 |
| Average equity | $21,518,500 | 3,036 |
| Average total loans | $104,866,500 | 3,909 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7549% | 6,579 |
| Cost of funding earning assets | 2.2512% | 5,364 |
| Net interest margin | 3.5037% | 5,282 |
| Noninterest income to average assets | 0.9314% | 1,848 |
| Noninterest expense to average assets | 3.2150% | 3,282 |
| Loan and lease loss provision to assets | 0.3324% | 3,733 |
| Net operating income to assets | 0.5221% | 4,642 |
| Return on assets (ROA) | 0.5257% | 4,486 |
| Pretax return on assets | 0.5764% | 4,765 |
| Return on Equity (ROE) | 4.4238% | 4,630 |
| Retained earnings to average equity (ytd only) | 2.1479% | 3,896 |
| Net charge-offs to loans | 0.5227% | 2,275 |
| Credit loss provision to net charge-offs | 112.8107% | 4,785 |
| Earnings coverage of net charge-offs (x) | 3.0707% | 4,551 |
| Efficiency ratio | 78.0361% | 2,913 |
| Assets per employee ($millions) | 2.8303% | 6,490 |
| Cash dividends to net income (ytd only)* | 51.4469% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,796 |
| Loan loss allowance to noncurrent loans | 70.1741% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 0.7599% | 4,944 |
| Noncurrent loans to loans | 1.2452% | 4,025 |
| Net loans and leases to total assets | 58.9781% | 6,063 |
| Net loans and leases to deposits | 72.4052% | 6,006 |
| Net loans and leases to core deposits | 82.0060% | 6,463 |
| Total domestic deposits to total assets | 81.4556% | 4,430 |
| Equity capital to assets | 12.0124% | 2,285 |
| Core capital (leverage) ratio | 12.3053% | 1,835 |
| Tier 1 risk-based capital ratio | 16.5031% | 2,486 |
| Total risk-based capital ratio | 17.2251% | 2,618 |
| Memoranda: | ||
| Average total assets | $177,482,400 | 3,440 |
| Average earning assets | $161,515,600 | 3,447 |
| Average equity | $21,090,400 | 3,087 |
| Average total loans | $100,065,600 | 3,949 |