Home > The Farmers State Bank of Oakley, Kansas > Performance and Condition Ratios
The Farmers State Bank of Oakley, Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8021% | 833 |
| Cost of funding earning assets | 2.5793% | 310 |
| Net interest margin | 3.2228% | 2,820 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.4060% | 4,385 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.3569% | 1,306 |
| Return on assets (ROA) | 1.3576% | 1,273 |
| Pretax return on assets | 1.5697% | 1,293 |
| Return on Equity (ROE) | 12.5400% | 1,835 |
| Retained earnings to average equity (ytd only) | 8.8743% | 1,284 |
| Net charge-offs to loans | 0.0232% | 1,853 |
| Credit loss provision to net charge-offs | 728.5714% | 516 |
| Earnings coverage of net charge-offs (x) | 101.5000% | 896 |
| Efficiency ratio | 45.4091% | 4,215 |
| Assets per employee ($millions) | 18.1894% | 126 |
| Cash dividends to net income (ytd only)* | 29.2056% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,050 |
| Loan loss allowance to noncurrent loans | 2,763.1579% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,489 |
| Noncurrent loans to loans | 0.0382% | 3,451 |
| Net loans and leases to total assets | 72.2100% | 1,555 |
| Net loans and leases to deposits | 99.1740% | 583 |
| Net loans and leases to core deposits | 122.3316% | 560 |
| Total domestic deposits to total assets | 72.8200% | 4,177 |
| Equity capital to assets | 11.0969% | 1,432 |
| Core capital (leverage) ratio | 12.4822% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $252,211,200 | 2,668 |
| Average earning assets | $236,347,400 | 2,651 |
| Average equity | $27,314,800 | 2,399 |
| Average total loans | $180,983,200 | 2,437 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6964% | 794 |
| Cost of funding earning assets | 2.4356% | 308 |
| Net interest margin | 3.2607% | 2,776 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.3589% | 4,422 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.4244% | 1,267 |
| Return on assets (ROA) | 1.4253% | 1,247 |
| Pretax return on assets | 1.7669% | 1,050 |
| Return on Equity (ROE) | 13.2500% | 1,853 |
| Retained earnings to average equity (ytd only) | 13.2506% | 782 |
| Net charge-offs to loans | 0.0317% | 1,445 |
| Credit loss provision to net charge-offs | 133.3333% | 1,398 |
| Earnings coverage of net charge-offs (x) | 79.2381% | 1,052 |
| Efficiency ratio | 43.0722% | 4,264 |
| Assets per employee ($millions) | 19.8344% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 3,462 |
| Loan loss allowance to noncurrent loans | 2,032.9670% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,449 |
| Noncurrent loans to loans | 0.0482% | 3,412 |
| Net loans and leases to total assets | 72.4300% | 1,522 |
| Net loans and leases to deposits | 104.1245% | 353 |
| Net loans and leases to core deposits | 128.7808% | 356 |
| Total domestic deposits to total assets | 69.5600% | 4,337 |
| Equity capital to assets | 11.1876% | 1,282 |
| Core capital (leverage) ratio | 13.4231% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $247,053,750 | 2,707 |
| Average earning assets | $231,393,250 | 2,685 |
| Average equity | $26,574,250 | 2,418 |
| Average total loans | $176,446,250 | 2,477 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 750 |
| Cost of funding earning assets | 2.2852% | 286 |
| Net interest margin | 3.2963% | 2,758 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.3678% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4610% | 1,190 |
| Return on assets (ROA) | 1.4623% | 1,170 |
| Pretax return on assets | 1.8180% | 980 |
| Return on Equity (ROE) | 13.7900% | 1,727 |
| Retained earnings to average equity (ytd only) | 13.7895% | 710 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 42.8903% | 4,304 |
| Assets per employee ($millions) | 17.8993% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,306 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 70.8500% | 1,654 |
| Net loans and leases to deposits | 102.9576% | 400 |
| Net loans and leases to core deposits | 125.2695% | 401 |
| Total domestic deposits to total assets | 68.8100% | 4,385 |
| Equity capital to assets | 10.5455% | 1,578 |
| Core capital (leverage) ratio | 12.1008% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $243,456,000 | 2,728 |
| Average earning assets | $228,254,333 | 2,706 |
| Average equity | $25,816,667 | 2,476 |
| Average total loans | $172,389,333 | 2,504 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2587% | 877 |
| Cost of funding earning assets | 2.0506% | 266 |
| Net interest margin | 3.2081% | 3,094 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.3756% | 4,485 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.3779% | 1,467 |
| Return on assets (ROA) | 1.3806% | 1,439 |
| Pretax return on assets | 1.7141% | 1,250 |
| Return on Equity (ROE) | 12.9800% | 1,993 |
| Retained earnings to average equity (ytd only) | 12.9821% | 1,101 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.4265% | 4,287 |
| Assets per employee ($millions) | 17.5258% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 3,221 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.6100% | 1,665 |
| Net loans and leases to deposits | 99.6459% | 460 |
| Net loans and leases to core deposits | 122.5903% | 388 |
| Total domestic deposits to total assets | 69.8600% | 4,420 |
| Equity capital to assets | 10.6565% | 1,484 |
| Core capital (leverage) ratio | 12.0952% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5130% | 2,174 |
| Memoranda: | ||
| Average total assets | $239,889,000 | 2,794 |
| Average earning assets | $225,303,500 | 2,769 |
| Average equity | $25,512,000 | 2,517 |
| Average total loans | $168,894,500 | 2,555 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3824% | 913 |
| Cost of funding earning assets | 0.9064% | 245 |
| Net interest margin | 3.4760% | 2,006 |
| Noninterest income to average assets | 0.1100% | 4,393 |
| Noninterest expense to average assets | 1.6482% | 4,249 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.4899% | 901 |
| Return on assets (ROA) | 1.4869% | 875 |
| Pretax return on assets | 1.6406% | 1,058 |
| Return on Equity (ROE) | 11.9000% | 2,174 |
| Retained earnings to average equity (ytd only) | 5.0240% | 3,040 |
| Net charge-offs to loans | -0.0007% | 3,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9996% | 4,185 |
| Assets per employee ($millions) | 16.7441% | 151 |
| Cash dividends to net income (ytd only)* | 57.7849% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 2,845 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.6700% | 1,666 |
| Net loans and leases to deposits | 97.1517% | 580 |
| Net loans and leases to core deposits | 116.4900% | 438 |
| Total domestic deposits to total assets | 71.7100% | 4,436 |
| Equity capital to assets | 10.6123% | 1,402 |
| Core capital (leverage) ratio | 12.8559% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $209,500,400 | 2,980 |
| Average earning assets | $196,375,400 | 2,963 |
| Average equity | $26,174,400 | 2,521 |
| Average total loans | $149,409,000 | 2,642 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2333% | 832 |
| Cost of funding earning assets | 0.7124% | 249 |
| Net interest margin | 3.5209% | 1,610 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.6378% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4290% | 1,011 |
| Return on assets (ROA) | 1.4253% | 991 |
| Pretax return on assets | 1.7802% | 765 |
| Return on Equity (ROE) | 10.9300% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.9336% | 1,072 |
| Net charge-offs to loans | -0.0009% | 3,168 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 47.8536% | 4,282 |
| Assets per employee ($millions) | 15.0868% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,823 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 69.0300% | 1,566 |
| Net loans and leases to deposits | 93.1255% | 691 |
| Net loans and leases to core deposits | 111.8587% | 415 |
| Total domestic deposits to total assets | 74.1200% | 4,452 |
| Equity capital to assets | 11.9925% | 889 |
| Core capital (leverage) ratio | 12.5072% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $203,271,250 | 3,047 |
| Average earning assets | $190,327,750 | 3,020 |
| Average equity | $26,498,750 | 2,545 |
| Average total loans | $145,474,250 | 2,679 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 897 |
| Cost of funding earning assets | 0.4900% | 544 |
| Net interest margin | 3.5399% | 1,206 |
| Noninterest income to average assets | 0.1206% | 4,395 |
| Noninterest expense to average assets | 1.6140% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4485% | 802 |
| Return on assets (ROA) | 1.4485% | 780 |
| Pretax return on assets | 1.8193% | 569 |
| Return on Equity (ROE) | 10.8077% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.8077% | 821 |
| Net charge-offs to loans | -0.0014% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0093% | 4,396 |
| Assets per employee ($millions) | 15.1996% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.2113% | 1,183 |
| Net loans and leases to deposits | 96.8881% | 390 |
| Net loans and leases to core deposits | 114.8246% | 265 |
| Total domestic deposits to total assets | 73.4984% | 4,550 |
| Equity capital to assets | 12.2550% | 805 |
| Core capital (leverage) ratio | 14.0222% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,623,333 | 3,095 |
| Average earning assets | $187,745,000 | 3,078 |
| Average equity | $26,888,333 | 2,591 |
| Average total loans | $144,803,667 | 2,699 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8173% | 1,058 |
| Cost of funding earning assets | 0.4227% | 765 |
| Net interest margin | 3.3946% | 1,311 |
| Noninterest income to average assets | 0.1131% | 4,442 |
| Noninterest expense to average assets | 1.6840% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2810% | 1,042 |
| Return on assets (ROA) | 1.2810% | 1,035 |
| Pretax return on assets | 1.6161% | 802 |
| Return on Equity (ROE) | 9.1304% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.1304% | 1,236 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0280% | 4,254 |
| Assets per employee ($millions) | 13.8363% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 70.7183% | 952 |
| Net loans and leases to deposits | 94.2055% | 353 |
| Net loans and leases to core deposits | 107.9735% | 305 |
| Total domestic deposits to total assets | 75.0681% | 4,535 |
| Equity capital to assets | 13.8425% | 549 |
| Core capital (leverage) ratio | 14.2132% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $194,537,500 | 3,137 |
| Average earning assets | $182,642,000 | 3,126 |
| Average equity | $27,293,500 | 2,644 |
| Average total loans | $140,595,500 | 2,746 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4419% | 660 |
| Cost of funding earning assets | 0.4074% | 1,493 |
| Net interest margin | 4.0346% | 661 |
| Noninterest income to average assets | 0.1582% | 4,358 |
| Noninterest expense to average assets | 1.8006% | 4,144 |
| Loan and lease loss provision to assets | 0.1875% | 598 |
| Net operating income to assets | 1.5518% | 908 |
| Return on assets (ROA) | 1.5779% | 894 |
| Pretax return on assets | 2.0035% | 598 |
| Return on Equity (ROE) | 10.5438% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.3755% | 1,770 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4875% | 4,520 |
| Assets per employee ($millions) | 13.0245% | 316 |
| Cash dividends to net income (ytd only)* | 30.0489% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 72.0869% | 837 |
| Net loans and leases to deposits | 99.6674% | 201 |
| Net loans and leases to core deposits | 115.2403% | 216 |
| Total domestic deposits to total assets | 72.3275% | 4,635 |
| Equity capital to assets | 14.2158% | 628 |
| Core capital (leverage) ratio | 14.3586% | 564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,381,400 | 3,200 |
| Average earning assets | $170,849,200 | 3,179 |
| Average equity | $27,144,000 | 2,714 |
| Average total loans | $129,880,600 | 2,858 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 751 |
| Cost of funding earning assets | 0.4148% | 1,584 |
| Net interest margin | 4.0275% | 750 |
| Noninterest income to average assets | 0.1364% | 4,517 |
| Noninterest expense to average assets | 1.7442% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7248% | 785 |
| Return on assets (ROA) | 1.7367% | 793 |
| Pretax return on assets | 2.2059% | 537 |
| Return on Equity (ROE) | 11.4473% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.6687% | 1,422 |
| Net charge-offs to loans | 0.0011% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2,923.0000% | 47 |
| Efficiency ratio | 44.3238% | 4,572 |
| Assets per employee ($millions) | 13.9568% | 246 |
| Cash dividends to net income (ytd only)* | 15.5373% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.8000% | 1,221 |
| Net loans and leases to deposits | 96.8500% | 319 |
| Net loans and leases to core deposits | 110.7896% | 310 |
| Total domestic deposits to total assets | 71.0376% | 4,709 |
| Equity capital to assets | 15.4118% | 480 |
| Core capital (leverage) ratio | 14.7582% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,885,000 | 3,261 |
| Average earning assets | $167,776,000 | 3,237 |
| Average equity | $26,986,750 | 2,758 |
| Average total loans | $126,721,000 | 2,927 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 871 |
| Cost of funding earning assets | 0.4232% | 1,715 |
| Net interest margin | 3.9583% | 873 |
| Noninterest income to average assets | 0.1336% | 4,534 |
| Noninterest expense to average assets | 1.7849% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6663% | 926 |
| Return on assets (ROA) | 1.6842% | 943 |
| Pretax return on assets | 2.1290% | 653 |
| Return on Equity (ROE) | 11.1622% | 2,371 |
| Retained earnings to average equity (ytd only) | 11.1622% | 1,088 |
| Net charge-offs to loans | -0.0016% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8697% | 4,522 |
| Assets per employee ($millions) | 13.6832% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0508% | 3,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.2521% | 1,050 |
| Net loans and leases to deposits | 99.6580% | 265 |
| Net loans and leases to core deposits | 112.8429% | 305 |
| Total domestic deposits to total assets | 71.4967% | 4,720 |
| Equity capital to assets | 15.4851% | 468 |
| Core capital (leverage) ratio | 14.8295% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,700,333 | 3,274 |
| Average earning assets | $167,750,000 | 3,244 |
| Average equity | $26,661,333 | 2,769 |
| Average total loans | $126,903,333 | 2,934 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 1,142 |
| Cost of funding earning assets | 0.4342% | 1,835 |
| Net interest margin | 3.7974% | 1,148 |
| Noninterest income to average assets | 0.1340% | 4,534 |
| Noninterest expense to average assets | 1.6989% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6040% | 1,121 |
| Return on assets (ROA) | 1.6399% | 1,090 |
| Pretax return on assets | 2.0760% | 835 |
| Return on Equity (ROE) | 11.0147% | 2,363 |
| Retained earnings to average equity (ytd only) | 11.0147% | 1,400 |
| Net charge-offs to loans | -0.0032% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5542% | 4,491 |
| Assets per employee ($millions) | 14.0517% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.6110% | 941 |
| Net loans and leases to deposits | 105.1030% | 184 |
| Net loans and leases to core deposits | 115.2489% | 298 |
| Total domestic deposits to total assets | 69.0856% | 4,783 |
| Equity capital to assets | 14.4894% | 572 |
| Core capital (leverage) ratio | 14.7308% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $176,110,000 | 3,279 |
| Average earning assets | $166,744,500 | 3,240 |
| Average equity | $26,219,500 | 2,789 |
| Average total loans | $126,310,000 | 2,945 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,041 |
| Cost of funding earning assets | 0.7471% | 1,467 |
| Net interest margin | 3.8840% | 1,259 |
| Noninterest income to average assets | 0.1405% | 4,589 |
| Noninterest expense to average assets | 1.7961% | 4,476 |
| Loan and lease loss provision to assets | 0.0916% | 3,208 |
| Net operating income to assets | 1.5257% | 756 |
| Return on assets (ROA) | 1.5262% | 819 |
| Pretax return on assets | 1.9268% | 528 |
| Return on Equity (ROE) | 10.0623% | 1,983 |
| Retained earnings to average equity (ytd only) | 7.4531% | 1,211 |
| Net charge-offs to loans | 0.0026% | 3,297 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 1,101.3333% | 101 |
| Efficiency ratio | 47.0937% | 4,673 |
| Assets per employee ($millions) | 13.0422% | 262 |
| Cash dividends to net income (ytd only)* | 25.9304% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 69.1775% | 1,661 |
| Net loans and leases to deposits | 99.7669% | 380 |
| Net loans and leases to core deposits | 110.1615% | 502 |
| Total domestic deposits to total assets | 69.3391% | 4,788 |
| Equity capital to assets | 15.3178% | 515 |
| Core capital (leverage) ratio | 15.1441% | 488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $163,743,000 | 3,253 |
| Average earning assets | $154,866,600 | 3,215 |
| Average equity | $24,835,200 | 2,818 |
| Average total loans | $115,673,200 | 3,026 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 848 |
| Cost of funding earning assets | 0.8143% | 1,423 |
| Net interest margin | 4.0100% | 1,092 |
| Noninterest income to average assets | 0.1364% | 4,613 |
| Noninterest expense to average assets | 1.7795% | 4,530 |
| Loan and lease loss provision to assets | 0.0820% | 3,290 |
| Net operating income to assets | 1.6441% | 656 |
| Return on assets (ROA) | 1.6447% | 727 |
| Pretax return on assets | 2.0703% | 449 |
| Return on Equity (ROE) | 10.8722% | 1,725 |
| Retained earnings to average equity (ytd only) | 10.8722% | 602 |
| Net charge-offs to loans | 0.0035% | 3,046 |
| Credit loss provision to net charge-offs | 3,333.3333% | 323 |
| Earnings coverage of net charge-offs (x) | 873.0000% | 137 |
| Efficiency ratio | 45.2665% | 4,747 |
| Assets per employee ($millions) | 13.4602% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.8523% | 1,977 |
| Net loans and leases to deposits | 105.5345% | 339 |
| Net loans and leases to core deposits | 117.0372% | 478 |
| Total domestic deposits to total assets | 66.1891% | 4,849 |
| Equity capital to assets | 14.8147% | 680 |
| Core capital (leverage) ratio | 14.6372% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,291,750 | 3,249 |
| Average earning assets | $153,579,500 | 3,206 |
| Average equity | $24,551,250 | 2,822 |
| Average total loans | $114,933,000 | 3,044 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 693 |
| Cost of funding earning assets | 0.9173% | 1,288 |
| Net interest margin | 4.1760% | 975 |
| Noninterest income to average assets | 0.1101% | 4,740 |
| Noninterest expense to average assets | 1.8411% | 4,499 |
| Loan and lease loss provision to assets | 0.1265% | 2,761 |
| Net operating income to assets | 1.6626% | 665 |
| Return on assets (ROA) | 1.6626% | 723 |
| Pretax return on assets | 2.0941% | 446 |
| Return on Equity (ROE) | 10.9073% | 1,662 |
| Retained earnings to average equity (ytd only) | 10.9073% | 615 |
| Net charge-offs to loans | 0.0054% | 2,771 |
| Credit loss provision to net charge-offs | 3,333.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 585.0000% | 173 |
| Efficiency ratio | 45.3271% | 4,758 |
| Assets per employee ($millions) | 12.9372% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.3959% | 1,969 |
| Net loans and leases to deposits | 105.1242% | 341 |
| Net loans and leases to core deposits | 114.1125% | 591 |
| Total domestic deposits to total assets | 66.9646% | 4,865 |
| Equity capital to assets | 14.8416% | 650 |
| Core capital (leverage) ratio | 14.7318% | 615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,061,667 | 3,269 |
| Average earning assets | $149,570,333 | 3,225 |
| Average equity | $24,094,000 | 2,849 |
| Average total loans | $112,069,333 | 3,064 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5479% | 2,163 |
| Cost of funding earning assets | 1.0691% | 1,147 |
| Net interest margin | 3.4788% | 3,049 |
| Noninterest income to average assets | 0.1307% | 4,714 |
| Noninterest expense to average assets | 1.6470% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4118% | 952 |
| Return on assets (ROA) | 1.4118% | 1,032 |
| Pretax return on assets | 1.7673% | 748 |
| Return on Equity (ROE) | 9.1291% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.1291% | 938 |
| Net charge-offs to loans | 0.0148% | 2,074 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 169.0000% | 389 |
| Efficiency ratio | 48.2389% | 4,744 |
| Assets per employee ($millions) | 11.8759% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 67.7343% | 2,582 |
| Net loans and leases to deposits | 97.7638% | 746 |
| Net loans and leases to core deposits | 109.7269% | 859 |
| Total domestic deposits to total assets | 69.2837% | 4,881 |
| Equity capital to assets | 15.5078% | 671 |
| Core capital (leverage) ratio | 16.0643% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,001,000 | 3,294 |
| Average earning assets | $144,417,500 | 3,244 |
| Average equity | $23,660,500 | 2,875 |
| Average total loans | $108,259,500 | 3,103 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 1,799 |
| Cost of funding earning assets | 1.3060% | 758 |
| Net interest margin | 3.5782% | 3,203 |
| Noninterest income to average assets | 0.3409% | 3,667 |
| Noninterest expense to average assets | 1.7664% | 4,805 |
| Loan and lease loss provision to assets | 0.0172% | 3,673 |
| Net operating income to assets | 1.4916% | 1,076 |
| Return on assets (ROA) | 1.5128% | 1,083 |
| Pretax return on assets | 1.9417% | 674 |
| Return on Equity (ROE) | 9.4814% | 2,528 |
| Retained earnings to average equity (ytd only) | 1.9213% | 4,035 |
| Net charge-offs to loans | -0.0287% | 4,702 |
| Credit loss provision to net charge-offs | -83.3333% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7606% | 4,842 |
| Assets per employee ($millions) | 11.6627% | 250 |
| Cash dividends to net income (ytd only)* | 79.7365% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.2580% | 2,051 |
| Net loans and leases to deposits | 103.9727% | 376 |
| Net loans and leases to core deposits | 120.8405% | 453 |
| Total domestic deposits to total assets | 69.4971% | 4,950 |
| Equity capital to assets | 15.4200% | 704 |
| Core capital (leverage) ratio | 15.3764% | 612 |
| Tier 1 risk-based capital ratio | 16.8982% | 2,083 |
| Total risk-based capital ratio | 17.7835% | 2,149 |
| Memoranda: | ||
| Average total assets | $145,494,400 | 3,356 |
| Average earning assets | $136,519,600 | 3,333 |
| Average equity | $23,213,800 | 2,851 |
| Average total loans | $104,622,800 | 3,161 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 1,740 |
| Cost of funding earning assets | 1.3456% | 684 |
| Net interest margin | 3.5814% | 3,299 |
| Noninterest income to average assets | 0.3927% | 3,368 |
| Noninterest expense to average assets | 1.7791% | 4,846 |
| Loan and lease loss provision to assets | 0.0232% | 3,437 |
| Net operating income to assets | 1.5172% | 1,144 |
| Return on assets (ROA) | 1.5457% | 1,126 |
| Pretax return on assets | 1.9838% | 715 |
| Return on Equity (ROE) | 9.6031% | 2,621 |
| Retained earnings to average equity (ytd only) | 5.0001% | 2,891 |
| Net charge-offs to loans | -0.0388% | 4,778 |
| Credit loss provision to net charge-offs | -83.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4438% | 4,881 |
| Assets per employee ($millions) | 10.2333% | 326 |
| Cash dividends to net income (ytd only)* | 47.9328% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1607% | 2,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 71.2095% | 2,287 |
| Net loans and leases to deposits | 101.9711% | 508 |
| Net loans and leases to core deposits | 120.5813% | 521 |
| Total domestic deposits to total assets | 69.8330% | 5,002 |
| Equity capital to assets | 16.6704% | 528 |
| Core capital (leverage) ratio | 16.1641% | 541 |
| Tier 1 risk-based capital ratio | 18.2994% | 1,733 |
| Total risk-based capital ratio | 19.2407% | 1,770 |
| Memoranda: | ||
| Average total assets | $143,964,250 | 3,413 |
| Average earning assets | $134,954,250 | 3,383 |
| Average equity | $23,172,500 | 2,876 |
| Average total loans | $103,090,500 | 3,224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 1,783 |
| Cost of funding earning assets | 1.3324% | 680 |
| Net interest margin | 3.5560% | 3,415 |
| Noninterest income to average assets | 0.4466% | 2,975 |
| Noninterest expense to average assets | 1.7351% | 4,941 |
| Loan and lease loss provision to assets | 0.0347% | 3,133 |
| Net operating income to assets | 1.6100% | 887 |
| Return on assets (ROA) | 1.6533% | 838 |
| Pretax return on assets | 2.0625% | 604 |
| Return on Equity (ROE) | 10.3943% | 2,216 |
| Retained earnings to average equity (ytd only) | 3.4183% | 3,532 |
| Net charge-offs to loans | -0.0563% | 4,857 |
| Credit loss provision to net charge-offs | -86.2069% | 3,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9251% | 4,993 |
| Assets per employee ($millions) | 10.2814% | 314 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.0896% | 2,206 |
| Net loans and leases to deposits | 100.5933% | 634 |
| Net loans and leases to core deposits | 118.2116% | 594 |
| Total domestic deposits to total assets | 71.6644% | 4,987 |
| Equity capital to assets | 16.1534% | 596 |
| Core capital (leverage) ratio | 15.7437% | 580 |
| Tier 1 risk-based capital ratio | 17.7992% | 1,856 |
| Total risk-based capital ratio | 18.7331% | 1,907 |
| Memoranda: | ||
| Average total assets | $144,197,000 | 3,429 |
| Average earning assets | $135,096,330 | 3,407 |
| Average equity | $22,935,670 | 2,886 |
| Average total loans | $103,048,330 | 3,237 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4317% | 586 |
| Cost of funding earning assets | 1.2928% | 671 |
| Net interest margin | 4.1388% | 1,455 |
| Noninterest income to average assets | 0.1219% | 5,006 |
| Noninterest expense to average assets | 1.7848% | 4,936 |
| Loan and lease loss provision to assets | 0.0277% | 3,056 |
| Net operating income to assets | 1.7516% | 656 |
| Return on assets (ROA) | 1.7516% | 676 |
| Pretax return on assets | 2.1867% | 465 |
| Return on Equity (ROE) | 11.0984% | 1,910 |
| Retained earnings to average equity (ytd only) | 11.0984% | 782 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6292% | 5,085 |
| Assets per employee ($millions) | 10.3638% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.1743% | 2,452 |
| Net loans and leases to deposits | 94.3992% | 1,125 |
| Net loans and leases to core deposits | 108.9300% | 990 |
| Total domestic deposits to total assets | 74.3378% | 4,907 |
| Equity capital to assets | 16.0345% | 565 |
| Core capital (leverage) ratio | 16.1131% | 519 |
| Tier 1 risk-based capital ratio | 18.5368% | 1,652 |
| Total risk-based capital ratio | 19.4639% | 1,691 |
| Memoranda: | ||
| Average total assets | $144,326,000 | 3,457 |
| Average earning assets | $135,207,000 | 3,436 |
| Average equity | $22,778,000 | 2,902 |
| Average total loans | $102,091,500 | 3,290 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,955 |
| Cost of funding earning assets | 1.0159% | 712 |
| Net interest margin | 3.6441% | 3,241 |
| Noninterest income to average assets | 0.1588% | 4,927 |
| Noninterest expense to average assets | 1.6948% | 5,093 |
| Loan and lease loss provision to assets | 0.1040% | 2,114 |
| Net operating income to assets | 1.9794% | 379 |
| Return on assets (ROA) | 1.9794% | 376 |
| Pretax return on assets | 1.7981% | 926 |
| Return on Equity (ROE) | 13.0611% | 1,320 |
| Retained earnings to average equity (ytd only) | 6.2408% | 2,070 |
| Net charge-offs to loans | -0.0394% | 4,892 |
| Credit loss provision to net charge-offs | -379.4872% | 4,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1186% | 5,083 |
| Assets per employee ($millions) | 9.5706% | 388 |
| Cash dividends to net income (ytd only)* | 52.2187% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 2,930 |
| Loan loss allowance to noncurrent loans | 751.9737% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,298 |
| Noncurrent loans to loans | 0.1502% | 4,071 |
| Net loans and leases to total assets | 69.7058% | 2,612 |
| Net loans and leases to deposits | 93.9368% | 1,294 |
| Net loans and leases to core deposits | 109.6502% | 1,024 |
| Total domestic deposits to total assets | 74.2050% | 4,938 |
| Equity capital to assets | 15.5274% | 613 |
| Core capital (leverage) ratio | 15.4625% | 605 |
| Tier 1 risk-based capital ratio | 18.1953% | 1,697 |
| Total risk-based capital ratio | 19.1284% | 1,748 |
| Memoranda: | ||
| Average total assets | $142,315,600 | 3,470 |
| Average earning assets | $134,271,200 | 3,438 |
| Average equity | $21,567,800 | 2,929 |
| Average total loans | $99,026,400 | 3,319 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 2,057 |
| Cost of funding earning assets | 0.9348% | 789 |
| Net interest margin | 3.6398% | 3,226 |
| Noninterest income to average assets | 0.1549% | 5,003 |
| Noninterest expense to average assets | 1.5980% | 5,206 |
| Loan and lease loss provision to assets | 0.1390% | 1,441 |
| Net operating income to assets | 1.8262% | 577 |
| Return on assets (ROA) | 1.8262% | 579 |
| Pretax return on assets | 1.8581% | 886 |
| Return on Equity (ROE) | 12.1255% | 1,747 |
| Retained earnings to average equity (ytd only) | 12.1255% | 465 |
| Net charge-offs to loans | -0.0528% | 4,947 |
| Credit loss provision to net charge-offs | -379.4872% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4502% | 5,202 |
| Assets per employee ($millions) | 10.2599% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 70.5802% | 2,556 |
| Net loans and leases to deposits | 102.9897% | 603 |
| Net loans and leases to core deposits | 118.3710% | 632 |
| Total domestic deposits to total assets | 68.5313% | 5,270 |
| Equity capital to assets | 15.8384% | 567 |
| Core capital (leverage) ratio | 15.9345% | 526 |
| Tier 1 risk-based capital ratio | 18.5727% | 1,641 |
| Total risk-based capital ratio | 19.5059% | 1,682 |
| Memoranda: | ||
| Average total assets | $142,004,750 | 3,516 |
| Average earning assets | $134,216,500 | 3,473 |
| Average equity | $21,387,000 | 2,963 |
| Average total loans | $98,480,000 | 3,351 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 2,091 |
| Cost of funding earning assets | 0.8678% | 840 |
| Net interest margin | 3.6299% | 3,199 |
| Noninterest income to average assets | 0.1527% | 5,060 |
| Noninterest expense to average assets | 1.5906% | 5,274 |
| Loan and lease loss provision to assets | 0.0679% | 2,525 |
| Net operating income to assets | 1.5269% | 1,085 |
| Return on assets (ROA) | 1.5269% | 1,085 |
| Pretax return on assets | 1.9242% | 725 |
| Return on Equity (ROE) | 10.3188% | 2,416 |
| Retained earnings to average equity (ytd only) | 10.3188% | 836 |
| Net charge-offs to loans | -0.0021% | 3,948 |
| Credit loss provision to net charge-offs | -4,800.0000% | 4,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3962% | 5,268 |
| Assets per employee ($millions) | 10.2061% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 3,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 68.9506% | 2,734 |
| Net loans and leases to deposits | 100.8166% | 754 |
| Net loans and leases to core deposits | 114.9672% | 746 |
| Total domestic deposits to total assets | 68.3921% | 5,328 |
| Equity capital to assets | 15.4208% | 605 |
| Core capital (leverage) ratio | 15.7637% | 537 |
| Tier 1 risk-based capital ratio | 18.5824% | 1,657 |
| Total risk-based capital ratio | 19.4253% | 1,712 |
| Memoranda: | ||
| Average total assets | $141,460,330 | 3,551 |
| Average earning assets | $133,668,330 | 3,503 |
| Average equity | $20,932,670 | 3,029 |
| Average total loans | $97,132,330 | 3,389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,996 |
| Cost of funding earning assets | 0.8243% | 849 |
| Net interest margin | 3.6342% | 3,052 |
| Noninterest income to average assets | 0.1591% | 5,066 |
| Noninterest expense to average assets | 1.6142% | 5,317 |
| Loan and lease loss provision to assets | 0.0682% | 2,400 |
| Net operating income to assets | 1.5347% | 997 |
| Return on assets (ROA) | 1.5347% | 1,002 |
| Pretax return on assets | 1.9098% | 708 |
| Return on Equity (ROE) | 10.5976% | 2,129 |
| Retained earnings to average equity (ytd only) | 10.5976% | 992 |
| Net charge-offs to loans | -0.0042% | 3,947 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9367% | 5,320 |
| Assets per employee ($millions) | 9.1918% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,685 |
| Loan loss allowance to noncurrent loans | 891.8182% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,688 |
| Noncurrent loans to loans | 0.1173% | 4,441 |
| Net loans and leases to total assets | 67.2795% | 2,856 |
| Net loans and leases to deposits | 92.3576% | 1,413 |
| Net loans and leases to core deposits | 104.9142% | 1,314 |
| Total domestic deposits to total assets | 72.8468% | 5,227 |
| Equity capital to assets | 14.8981% | 698 |
| Core capital (leverage) ratio | 14.7931% | 691 |
| Tier 1 risk-based capital ratio | 18.0204% | 1,834 |
| Total risk-based capital ratio | 18.8779% | 1,890 |
| Memoranda: | ||
| Average total assets | $140,748,000 | 3,591 |
| Average earning assets | $132,957,500 | 3,549 |
| Average equity | $20,382,000 | 3,122 |
| Average total loans | $95,936,000 | 3,426 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1982% | 2,688 |
| Cost of funding earning assets | 0.6351% | 1,386 |
| Net interest margin | 3.5631% | 3,294 |
| Noninterest income to average assets | 0.1712% | 5,100 |
| Noninterest expense to average assets | 1.6308% | 5,388 |
| Loan and lease loss provision to assets | 0.0556% | 3,119 |
| Net operating income to assets | 1.3115% | 1,200 |
| Return on assets (ROA) | 1.3065% | 1,224 |
| Pretax return on assets | 1.8611% | 662 |
| Return on Equity (ROE) | 9.1642% | 2,236 |
| Retained earnings to average equity (ytd only) | 6.9352% | 1,106 |
| Net charge-offs to loans | 0.0243% | 3,322 |
| Credit loss provision to net charge-offs | 350.0000% | 837 |
| Earnings coverage of net charge-offs (x) | 121.0909% | 557 |
| Efficiency ratio | 45.8757% | 5,398 |
| Assets per employee ($millions) | 10.2585% | 293 |
| Cash dividends to net income (ytd only)* | 24.3228% | 3,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 4,085 |
| Loan loss allowance to noncurrent loans | 803.3613% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,706 |
| Noncurrent loans to loans | 0.1213% | 4,437 |
| Net loans and leases to total assets | 67.6596% | 2,873 |
| Net loans and leases to deposits | 98.8998% | 825 |
| Net loans and leases to core deposits | 113.3294% | 826 |
| Total domestic deposits to total assets | 68.4123% | 5,457 |
| Equity capital to assets | 14.0810% | 883 |
| Core capital (leverage) ratio | 14.2961% | 773 |
| Tier 1 risk-based capital ratio | 16.1370% | 2,385 |
| Total risk-based capital ratio | 16.9054% | 2,504 |
| Memoranda: | ||
| Average total assets | $138,463,200 | 3,636 |
| Average earning assets | $131,484,800 | 3,571 |
| Average equity | $19,739,800 | 3,172 |
| Average total loans | $90,398,800 | 3,518 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1333% | 2,859 |
| Cost of funding earning assets | 0.5927% | 1,581 |
| Net interest margin | 3.5406% | 3,350 |
| Noninterest income to average assets | 0.1691% | 5,173 |
| Noninterest expense to average assets | 1.6028% | 5,450 |
| Loan and lease loss provision to assets | 0.0544% | 3,003 |
| Net operating income to assets | 1.3034% | 1,318 |
| Return on assets (ROA) | 1.3034% | 1,358 |
| Pretax return on assets | 1.8856% | 710 |
| Return on Equity (ROE) | 9.1134% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.1134% | 808 |
| Net charge-offs to loans | 0.0301% | 2,827 |
| Credit loss provision to net charge-offs | 280.0000% | 1,046 |
| Earnings coverage of net charge-offs (x) | 99.7852% | 691 |
| Efficiency ratio | 45.2401% | 5,440 |
| Assets per employee ($millions) | 9.2015% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,871 |
| Loan loss allowance to noncurrent loans | 2,129.5455% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,075 |
| Noncurrent loans to loans | 0.0487% | 4,893 |
| Net loans and leases to total assets | 64.8433% | 3,274 |
| Net loans and leases to deposits | 93.7250% | 1,329 |
| Net loans and leases to core deposits | 106.5655% | 1,233 |
| Total domestic deposits to total assets | 69.1846% | 5,503 |
| Equity capital to assets | 14.7672% | 791 |
| Core capital (leverage) ratio | 14.7990% | 700 |
| Tier 1 risk-based capital ratio | 18.2499% | 1,790 |
| Total risk-based capital ratio | 19.1019% | 1,844 |
| Memoranda: | ||
| Average total assets | $137,174,250 | 3,689 |
| Average earning assets | $130,707,750 | 3,616 |
| Average equity | $19,619,000 | 3,208 |
| Average total loans | $88,466,500 | 3,588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,770 |
| Cost of funding earning assets | 0.5426% | 1,824 |
| Net interest margin | 3.5758% | 3,124 |
| Noninterest income to average assets | 0.1680% | 5,217 |
| Noninterest expense to average assets | 1.5618% | 5,522 |
| Loan and lease loss provision to assets | 0.0614% | 2,737 |
| Net operating income to assets | 1.3544% | 1,165 |
| Return on assets (ROA) | 1.3544% | 1,192 |
| Pretax return on assets | 1.9534% | 584 |
| Return on Equity (ROE) | 9.5741% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.5741% | 685 |
| Net charge-offs to loans | 0.0023% | 3,433 |
| Credit loss provision to net charge-offs | 4,200.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 1,379.0000% | 41 |
| Efficiency ratio | 43.6683% | 5,536 |
| Assets per employee ($millions) | 9.1266% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,785 |
| Loan loss allowance to noncurrent loans | 2,140.9091% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,136 |
| Noncurrent loans to loans | 0.0496% | 4,943 |
| Net loans and leases to total assets | 64.1509% | 3,366 |
| Net loans and leases to deposits | 89.1911% | 1,839 |
| Net loans and leases to core deposits | 99.1678% | 1,711 |
| Total domestic deposits to total assets | 71.9253% | 5,459 |
| Equity capital to assets | 14.6232% | 791 |
| Core capital (leverage) ratio | 14.3520% | 773 |
| Tier 1 risk-based capital ratio | 18.1449% | 1,812 |
| Total risk-based capital ratio | 19.0144% | 1,887 |
| Memoranda: | ||
| Average total assets | $136,891,670 | 3,709 |
| Average earning assets | $130,489,330 | 3,639 |
| Average equity | $19,364,670 | 3,235 |
| Average total loans | $87,810,330 | 3,620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 2,837 |
| Cost of funding earning assets | 0.5125% | 1,989 |
| Net interest margin | 3.5414% | 3,113 |
| Noninterest income to average assets | 0.1782% | 5,205 |
| Noninterest expense to average assets | 1.5604% | 5,594 |
| Loan and lease loss provision to assets | 0.0614% | 2,581 |
| Net operating income to assets | 1.3646% | 1,077 |
| Return on assets (ROA) | 1.3646% | 1,114 |
| Pretax return on assets | 1.9286% | 591 |
| Return on Equity (ROE) | 9.8122% | 2,047 |
| Retained earnings to average equity (ytd only) | 9.8122% | 853 |
| Net charge-offs to loans | 0.0046% | 2,817 |
| Credit loss provision to net charge-offs | 2,100.0000% | 159 |
| Earnings coverage of net charge-offs (x) | 681.0000% | 77 |
| Efficiency ratio | 43.9506% | 5,596 |
| Assets per employee ($millions) | 8.9720% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,866 |
| Loan loss allowance to noncurrent loans | 2,141.8605% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,188 |
| Noncurrent loans to loans | 0.0501% | 4,990 |
| Net loans and leases to total assets | 63.0792% | 3,392 |
| Net loans and leases to deposits | 86.5238% | 1,974 |
| Net loans and leases to core deposits | 96.3576% | 1,793 |
| Total domestic deposits to total assets | 72.9038% | 5,496 |
| Equity capital to assets | 14.3521% | 797 |
| Core capital (leverage) ratio | 14.0054% | 842 |
| Tier 1 risk-based capital ratio | 17.8766% | 1,916 |
| Total risk-based capital ratio | 18.7342% | 1,989 |
| Memoranda: | ||
| Average total assets | $136,888,000 | 3,739 |
| Average earning assets | $130,343,500 | 3,674 |
| Average equity | $19,037,500 | 3,284 |
| Average total loans | $87,333,500 | 3,661 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9857% | 3,245 |
| Cost of funding earning assets | 0.5225% | 1,922 |
| Net interest margin | 3.4632% | 3,571 |
| Noninterest income to average assets | 0.1616% | 5,404 |
| Noninterest expense to average assets | 1.6387% | 5,615 |
| Loan and lease loss provision to assets | 0.0579% | 3,229 |
| Net operating income to assets | 1.1305% | 1,772 |
| Return on assets (ROA) | 1.1305% | 1,867 |
| Pretax return on assets | 1.7732% | 853 |
| Return on Equity (ROE) | 8.1537% | 2,860 |
| Retained earnings to average equity (ytd only) | 7.6116% | 995 |
| Net charge-offs to loans | -0.0116% | 4,975 |
| Credit loss provision to net charge-offs | -770.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2270% | 5,602 |
| Assets per employee ($millions) | 9.2797% | 391 |
| Cash dividends to net income (ytd only)* | 6.6489% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 4,229 |
| Loan loss allowance to noncurrent loans | 2,310.2564% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,264 |
| Noncurrent loans to loans | 0.0439% | 5,071 |
| Net loans and leases to total assets | 63.1864% | 3,452 |
| Net loans and leases to deposits | 86.9539% | 2,055 |
| Net loans and leases to core deposits | 95.7895% | 1,940 |
| Total domestic deposits to total assets | 72.6666% | 5,519 |
| Equity capital to assets | 13.4774% | 1,057 |
| Core capital (leverage) ratio | 13.7558% | 883 |
| Tier 1 risk-based capital ratio | 16.5923% | 2,307 |
| Total risk-based capital ratio | 17.3904% | 2,429 |
| Memoranda: | ||
| Average total assets | $133,033,600 | 3,783 |
| Average earning assets | $127,079,400 | 3,702 |
| Average equity | $18,445,600 | 3,344 |
| Average total loans | $86,104,800 | 3,661 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 3,203 |
| Cost of funding earning assets | 0.5185% | 1,949 |
| Net interest margin | 3.4904% | 3,505 |
| Noninterest income to average assets | 0.1572% | 5,488 |
| Noninterest expense to average assets | 1.6538% | 5,641 |
| Loan and lease loss provision to assets | 0.0679% | 2,860 |
| Net operating income to assets | 1.1326% | 1,869 |
| Return on assets (ROA) | 1.1326% | 1,982 |
| Pretax return on assets | 1.7734% | 944 |
| Return on Equity (ROE) | 8.1086% | 2,954 |
| Retained earnings to average equity (ytd only) | 8.1086% | 1,133 |
| Net charge-offs to loans | -0.0156% | 4,925 |
| Credit loss provision to net charge-offs | -670.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3165% | 5,617 |
| Assets per employee ($millions) | 8.8477% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 4,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 67.8080% | 2,821 |
| Net loans and leases to deposits | 94.7464% | 1,173 |
| Net loans and leases to core deposits | 105.5179% | 1,230 |
| Total domestic deposits to total assets | 71.5679% | 5,615 |
| Equity capital to assets | 14.3005% | 929 |
| Core capital (leverage) ratio | 13.5374% | 983 |
| Tier 1 risk-based capital ratio | 17.2879% | 2,131 |
| Total risk-based capital ratio | 18.1230% | 2,226 |
| Memoranda: | ||
| Average total assets | $131,493,000 | 3,826 |
| Average earning assets | $125,749,500 | 3,739 |
| Average equity | $18,367,000 | 3,387 |
| Average total loans | $85,417,500 | 3,699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 3,413 |
| Cost of funding earning assets | 0.5029% | 2,084 |
| Net interest margin | 3.4498% | 3,685 |
| Noninterest income to average assets | 0.1526% | 5,543 |
| Noninterest expense to average assets | 1.6127% | 5,754 |
| Loan and lease loss provision to assets | 0.0763% | 2,611 |
| Net operating income to assets | 1.1321% | 1,844 |
| Return on assets (ROA) | 1.1321% | 1,960 |
| Pretax return on assets | 1.7607% | 958 |
| Return on Equity (ROE) | 8.1705% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.1705% | 1,113 |
| Net charge-offs to loans | -0.0239% | 5,027 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7492% | 5,725 |
| Assets per employee ($millions) | 8.4833% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 4,706 |
| Loan loss allowance to noncurrent loans | 290.3654% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,608 |
| Noncurrent loans to loans | 0.3320% | 4,173 |
| Net loans and leases to total assets | 66.1517% | 3,059 |
| Net loans and leases to deposits | 92.4811% | 1,450 |
| Net loans and leases to core deposits | 101.9901% | 1,471 |
| Total domestic deposits to total assets | 71.5299% | 5,697 |
| Equity capital to assets | 13.7189% | 1,137 |
| Core capital (leverage) ratio | 13.1140% | 1,114 |
| Tier 1 risk-based capital ratio | 16.8441% | 2,283 |
| Total risk-based capital ratio | 17.6588% | 2,407 |
| Memoranda: | ||
| Average total assets | $131,085,330 | 3,859 |
| Average earning assets | $125,284,000 | 3,773 |
| Average equity | $18,163,000 | 3,421 |
| Average total loans | $83,595,670 | 3,761 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 3,922 |
| Cost of funding earning assets | 0.4850% | 2,232 |
| Net interest margin | 3.3204% | 4,141 |
| Noninterest income to average assets | 0.1522% | 5,578 |
| Noninterest expense to average assets | 1.6092% | 5,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0873% | 1,952 |
| Return on assets (ROA) | 1.0873% | 2,053 |
| Pretax return on assets | 1.7117% | 1,046 |
| Return on Equity (ROE) | 7.8064% | 3,029 |
| Retained earnings to average equity (ytd only) | 7.8064% | 1,539 |
| Net charge-offs to loans | -0.0450% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4565% | 5,706 |
| Assets per employee ($millions) | 8.6645% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,630 |
| Loan loss allowance to noncurrent loans | 145.6637% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 3,846 |
| Noncurrent loans to loans | 0.6847% | 3,134 |
| Net loans and leases to total assets | 62.8539% | 3,407 |
| Net loans and leases to deposits | 84.1419% | 2,288 |
| Net loans and leases to core deposits | 92.5498% | 2,136 |
| Total domestic deposits to total assets | 74.6999% | 5,548 |
| Equity capital to assets | 13.9827% | 987 |
| Core capital (leverage) ratio | 13.8101% | 859 |
| Tier 1 risk-based capital ratio | 50.1006% | 131 |
| Total risk-based capital ratio | 51.3646% | 131 |
| Memoranda: | ||
| Average total assets | $128,762,000 | 3,932 |
| Average earning assets | $122,878,000 | 3,850 |
| Average equity | $17,934,000 | 3,449 |
| Average total loans | $80,062,000 | 3,856 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,584 |
| Cost of funding earning assets | 0.4889% | 2,267 |
| Net interest margin | 3.1428% | 4,797 |
| Noninterest income to average assets | 0.1911% | 5,447 |
| Noninterest expense to average assets | 1.6850% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9576% | 2,586 |
| Return on assets (ROA) | 1.0380% | 2,265 |
| Pretax return on assets | 1.6442% | 1,128 |
| Return on Equity (ROE) | 7.4387% | 3,280 |
| Retained earnings to average equity (ytd only) | 5.4214% | 2,127 |
| Net charge-offs to loans | 0.0029% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 949.5000% | 61 |
| Efficiency ratio | 52.5961% | 5,601 |
| Assets per employee ($millions) | 7.9723% | 559 |
| Cash dividends to net income (ytd only)* | 27.1186% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 4,327 |
| Loan loss allowance to noncurrent loans | 25.1312% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 2.5393% | 607 |
| Noncurrent loans to loans | 4.1734% | 279 |
| Net loans and leases to total assets | 60.2065% | 3,806 |
| Net loans and leases to deposits | 80.8721% | 2,725 |
| Net loans and leases to core deposits | 89.7224% | 2,426 |
| Total domestic deposits to total assets | 74.4465% | 5,604 |
| Equity capital to assets | 13.8723% | 976 |
| Core capital (leverage) ratio | 13.7726% | 889 |
| Tier 1 risk-based capital ratio | 16.7783% | 2,368 |
| Total risk-based capital ratio | 17.5717% | 2,518 |
| Memoranda: | ||
| Average total assets | $125,048,200 | 3,985 |
| Average earning assets | $119,861,400 | 3,885 |
| Average equity | $17,449,400 | 3,463 |
| Average total loans | $69,696,800 | 4,097 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6186% | 4,673 |
| Cost of funding earning assets | 0.4879% | 2,333 |
| Net interest margin | 3.1307% | 4,878 |
| Noninterest income to average assets | 0.1725% | 5,615 |
| Noninterest expense to average assets | 1.6396% | 5,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9789% | 2,577 |
| Return on assets (ROA) | 1.0866% | 2,152 |
| Pretax return on assets | 1.7060% | 1,086 |
| Return on Equity (ROE) | 7.7753% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.7753% | 1,344 |
| Net charge-offs to loans | 0.0098% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 286.8501% | 248 |
| Efficiency ratio | 51.6020% | 5,672 |
| Assets per employee ($millions) | 7.5413% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,813 |
| Loan loss allowance to noncurrent loans | 25.2805% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 2.6587% | 620 |
| Noncurrent loans to loans | 4.6322% | 234 |
| Net loans and leases to total assets | 56.7239% | 4,277 |
| Net loans and leases to deposits | 76.0757% | 3,298 |
| Net loans and leases to core deposits | 85.4608% | 2,907 |
| Total domestic deposits to total assets | 74.5624% | 5,657 |
| Equity capital to assets | 14.8044% | 781 |
| Core capital (leverage) ratio | 14.1145% | 834 |
| Tier 1 risk-based capital ratio | 18.2653% | 1,970 |
| Total risk-based capital ratio | 19.1175% | 2,030 |
| Memoranda: | ||
| Average total assets | $124,421,250 | 4,031 |
| Average earning assets | $119,417,250 | 3,928 |
| Average equity | $17,388,000 | 3,504 |
| Average total loans | $67,718,250 | 4,186 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,947 |
| Cost of funding earning assets | 0.4895% | 2,355 |
| Net interest margin | 3.0250% | 5,165 |
| Noninterest income to average assets | 0.1687% | 5,692 |
| Noninterest expense to average assets | 1.6423% | 6,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9068% | 2,837 |
| Return on assets (ROA) | 1.0647% | 2,190 |
| Pretax return on assets | 1.6742% | 1,135 |
| Return on Equity (ROE) | 7.7657% | 3,183 |
| Retained earnings to average equity (ytd only) | 7.7657% | 1,360 |
| Net charge-offs to loans | -0.0268% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4992% | 5,621 |
| Assets per employee ($millions) | 7.7043% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 3,805 |
| Loan loss allowance to noncurrent loans | 699.1525% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 5,481 |
| Noncurrent loans to loans | 0.1713% | 5,083 |
| Net loans and leases to total assets | 55.1976% | 4,425 |
| Net loans and leases to deposits | 74.4341% | 3,440 |
| Net loans and leases to core deposits | 83.6542% | 3,018 |
| Total domestic deposits to total assets | 74.1563% | 5,776 |
| Equity capital to assets | 14.1286% | 946 |
| Core capital (leverage) ratio | 13.7389% | 920 |
| Tier 1 risk-based capital ratio | 19.5844% | 1,645 |
| Total risk-based capital ratio | 20.5384% | 1,689 |
| Memoranda: | ||
| Average total assets | $125,675,000 | 4,044 |
| Average earning assets | $120,527,330 | 3,937 |
| Average equity | $17,229,670 | 3,532 |
| Average total loans | $67,206,330 | 4,237 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,879 |
| Cost of funding earning assets | 0.5099% | 2,203 |
| Net interest margin | 3.0230% | 5,146 |
| Noninterest income to average assets | 0.1702% | 5,703 |
| Noninterest expense to average assets | 1.6709% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8947% | 2,765 |
| Return on assets (ROA) | 1.2075% | 1,619 |
| Pretax return on assets | 1.8853% | 737 |
| Return on Equity (ROE) | 8.9400% | 2,471 |
| Retained earnings to average equity (ytd only) | 8.9400% | 1,216 |
| Net charge-offs to loans | -0.0121% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4707% | 5,637 |
| Assets per employee ($millions) | 7.9641% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 3,109 |
| Loan loss allowance to noncurrent loans | 25.5147% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 2.5552% | 834 |
| Noncurrent loans to loans | 5.3237% | 231 |
| Net loans and leases to total assets | 46.6176% | 5,155 |
| Net loans and leases to deposits | 61.0088% | 4,663 |
| Net loans and leases to core deposits | 67.8938% | 4,335 |
| Total domestic deposits to total assets | 76.4114% | 5,693 |
| Equity capital to assets | 13.6103% | 1,124 |
| Core capital (leverage) ratio | 13.0888% | 1,124 |
| Tier 1 risk-based capital ratio | 19.6215% | 1,708 |
| Total risk-based capital ratio | 20.5789% | 1,741 |
| Memoranda: | ||
| Average total assets | $126,878,500 | 4,046 |
| Average earning assets | $121,600,500 | 3,945 |
| Average equity | $17,136,500 | 3,574 |
| Average total loans | $66,376,500 | 4,292 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 4,431 |
| Cost of funding earning assets | 0.5392% | 2,296 |
| Net interest margin | 3.2797% | 4,655 |
| Noninterest income to average assets | 0.2375% | 5,434 |
| Noninterest expense to average assets | 1.7117% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0542% | 2,148 |
| Return on assets (ROA) | 1.0589% | 2,189 |
| Pretax return on assets | 1.6617% | 1,067 |
| Return on Equity (ROE) | 7.8811% | 3,197 |
| Retained earnings to average equity (ytd only) | 6.2963% | 1,754 |
| Net charge-offs to loans | 0.0945% | 3,153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 33.1148% | 1,247 |
| Efficiency ratio | 50.8516% | 6,048 |
| Assets per employee ($millions) | 7.8957% | 550 |
| Cash dividends to net income (ytd only)* | 20.1083% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 4,419 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 5,498 |
| Noncurrent loans to loans | 0.2316% | 4,995 |
| Net loans and leases to total assets | 56.7683% | 4,230 |
| Net loans and leases to deposits | 74.2871% | 3,400 |
| Net loans and leases to core deposits | 82.4189% | 3,060 |
| Total domestic deposits to total assets | 76.4175% | 5,674 |
| Equity capital to assets | 13.4013% | 1,194 |
| Core capital (leverage) ratio | 13.0168% | 1,131 |
| Tier 1 risk-based capital ratio | 18.4591% | 2,000 |
| Total risk-based capital ratio | 19.3786% | 2,059 |
| Memoranda: | ||
| Average total assets | $122,103,800 | 4,138 |
| Average earning assets | $116,473,800 | 4,043 |
| Average equity | $16,406,400 | 3,618 |
| Average total loans | $64,564,800 | 4,346 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8202% | 4,469 |
| Cost of funding earning assets | 0.5259% | 2,504 |
| Net interest margin | 3.2943% | 4,624 |
| Noninterest income to average assets | 0.2423% | 5,471 |
| Noninterest expense to average assets | 1.6588% | 6,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0984% | 2,040 |
| Return on assets (ROA) | 1.1048% | 2,070 |
| Pretax return on assets | 1.7326% | 1,012 |
| Return on Equity (ROE) | 8.2166% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.2166% | 1,259 |
| Net charge-offs to loans | 0.0682% | 3,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 48.8699% | 991 |
| Efficiency ratio | 49.0554% | 6,151 |
| Assets per employee ($millions) | 7.2494% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 4,183 |
| Loan loss allowance to noncurrent loans | 25.4671% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.6923% | 939 |
| Noncurrent loans to loans | 4.7411% | 398 |
| Net loans and leases to total assets | 56.1011% | 4,317 |
| Net loans and leases to deposits | 75.0345% | 3,308 |
| Net loans and leases to core deposits | 83.6396% | 2,925 |
| Total domestic deposits to total assets | 74.7671% | 5,944 |
| Equity capital to assets | 13.7261% | 1,100 |
| Core capital (leverage) ratio | 13.0163% | 1,167 |
| Tier 1 risk-based capital ratio | 19.1977% | 1,859 |
| Total risk-based capital ratio | 20.1897% | 1,888 |
| Memoranda: | ||
| Average total assets | $121,047,000 | 4,196 |
| Average earning assets | $115,349,000 | 4,104 |
| Average equity | $16,275,500 | 3,654 |
| Average total loans | $62,573,000 | 4,441 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 4,689 |
| Cost of funding earning assets | 0.4975% | 2,859 |
| Net interest margin | 3.2533% | 4,768 |
| Noninterest income to average assets | 0.2178% | 5,646 |
| Noninterest expense to average assets | 1.6091% | 6,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0825% | 1,999 |
| Return on assets (ROA) | 1.0921% | 2,032 |
| Pretax return on assets | 1.7105% | 997 |
| Return on Equity (ROE) | 8.1808% | 3,000 |
| Retained earnings to average equity (ytd only) | 8.1808% | 1,256 |
| Net charge-offs to loans | -0.0033% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6922% | 6,249 |
| Assets per employee ($millions) | 7.0149% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,185 |
| Loan loss allowance to noncurrent loans | 535.3659% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 4,860 |
| Noncurrent loans to loans | 0.2329% | 5,299 |
| Net loans and leases to total assets | 55.0630% | 4,402 |
| Net loans and leases to deposits | 75.4768% | 3,128 |
| Net loans and leases to core deposits | 83.7422% | 2,768 |
| Total domestic deposits to total assets | 72.9536% | 6,189 |
| Equity capital to assets | 13.1379% | 1,301 |
| Core capital (leverage) ratio | 13.5309% | 965 |
| Tier 1 risk-based capital ratio | 18.4402% | 2,088 |
| Total risk-based capital ratio | 19.4518% | 2,133 |
| Memoranda: | ||
| Average total assets | $120,316,000 | 4,231 |
| Average earning assets | $114,161,330 | 4,143 |
| Average equity | $16,062,000 | 3,681 |
| Average total loans | $60,102,670 | 4,549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,705 |
| Cost of funding earning assets | 0.5117% | 2,790 |
| Net interest margin | 3.2285% | 4,823 |
| Noninterest income to average assets | 0.2148% | 5,641 |
| Noninterest expense to average assets | 1.6329% | 6,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0329% | 2,074 |
| Return on assets (ROA) | 1.0329% | 2,148 |
| Pretax return on assets | 1.6363% | 1,096 |
| Return on Equity (ROE) | 7.6716% | 3,108 |
| Retained earnings to average equity (ytd only) | 7.6716% | 1,736 |
| Net charge-offs to loans | -0.0073% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9479% | 6,258 |
| Assets per employee ($millions) | 6.9102% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5370% | 2,989 |
| Loan loss allowance to noncurrent loans | 585.3333% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 4,931 |
| Noncurrent loans to loans | 0.2626% | 5,315 |
| Net loans and leases to total assets | 47.8808% | 5,148 |
| Net loans and leases to deposits | 58.5534% | 4,883 |
| Net loans and leases to core deposits | 64.5968% | 4,639 |
| Total domestic deposits to total assets | 81.7728% | 5,008 |
| Equity capital to assets | 13.6457% | 1,054 |
| Core capital (leverage) ratio | 13.3291% | 1,026 |
| Tier 1 risk-based capital ratio | 21.0538% | 1,462 |
| Total risk-based capital ratio | 22.2348% | 1,456 |
| Memoranda: | ||
| Average total assets | $117,340,000 | 4,328 |
| Average earning assets | $111,012,000 | 4,246 |
| Average equity | $15,798,500 | 3,730 |
| Average total loans | $54,951,500 | 4,759 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 5,724 |
| Cost of funding earning assets | 0.5797% | 2,838 |
| Net interest margin | 2.8751% | 5,839 |
| Noninterest income to average assets | 0.2611% | 5,479 |
| Noninterest expense to average assets | 1.7003% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8079% | 3,253 |
| Return on assets (ROA) | 0.8133% | 3,322 |
| Pretax return on assets | 1.2954% | 2,175 |
| Return on Equity (ROE) | 6.1317% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.1317% | 1,897 |
| Net charge-offs to loans | -0.1407% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9218% | 5,865 |
| Assets per employee ($millions) | 6.8945% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 2,530 |
| Loan loss allowance to noncurrent loans | 613.2867% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 5,050 |
| Noncurrent loans to loans | 0.2709% | 5,363 |
| Net loans and leases to total assets | 44.2815% | 5,653 |
| Net loans and leases to deposits | 54.1318% | 5,455 |
| Net loans and leases to core deposits | 59.9831% | 5,221 |
| Total domestic deposits to total assets | 81.8031% | 4,943 |
| Equity capital to assets | 13.2816% | 1,151 |
| Core capital (leverage) ratio | 13.2044% | 1,052 |
| Tier 1 risk-based capital ratio | 21.6592% | 1,306 |
| Total risk-based capital ratio | 22.8606% | 1,293 |
| Memoranda: | ||
| Average total assets | $116,801,800 | 4,343 |
| Average earning assets | $110,744,200 | 4,243 |
| Average equity | $15,493,200 | 3,787 |
| Average total loans | $49,048,000 | 5,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3919% | 5,896 |
| Cost of funding earning assets | 0.5854% | 2,944 |
| Net interest margin | 2.8065% | 6,007 |
| Noninterest income to average assets | 0.2468% | 5,668 |
| Noninterest expense to average assets | 1.6715% | 6,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7902% | 3,397 |
| Return on assets (ROA) | 0.7975% | 3,488 |
| Pretax return on assets | 1.2487% | 2,516 |
| Return on Equity (ROE) | 6.0139% | 4,178 |
| Retained earnings to average equity (ytd only) | 6.0139% | 2,394 |
| Net charge-offs to loans | -0.1247% | 6,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4627% | 5,750 |
| Assets per employee ($millions) | 6.6636% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,772 |
| Loan loss allowance to noncurrent loans | 1,332.8125% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 5,365 |
| Noncurrent loans to loans | 0.1244% | 5,955 |
| Net loans and leases to total assets | 44.6783% | 5,663 |
| Net loans and leases to deposits | 55.7370% | 5,394 |
| Net loans and leases to core deposits | 62.2925% | 5,084 |
| Total domestic deposits to total assets | 80.1591% | 5,464 |
| Equity capital to assets | 13.6219% | 1,071 |
| Core capital (leverage) ratio | 13.0730% | 1,177 |
| Tier 1 risk-based capital ratio | 21.5118% | 1,397 |
| Total risk-based capital ratio | 22.7093% | 1,381 |
| Memoranda: | ||
| Average total assets | $116,700,500 | 4,390 |
| Average earning assets | $110,692,750 | 4,287 |
| Average equity | $15,474,750 | 3,834 |
| Average total loans | $48,115,500 | 5,069 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 6,112 |
| Cost of funding earning assets | 0.6062% | 2,882 |
| Net interest margin | 2.6776% | 6,212 |
| Noninterest income to average assets | 0.2393% | 5,736 |
| Noninterest expense to average assets | 1.6242% | 6,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7514% | 3,558 |
| Return on assets (ROA) | 0.7570% | 3,677 |
| Pretax return on assets | 1.1575% | 2,853 |
| Return on Equity (ROE) | 5.7588% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.7588% | 2,580 |
| Net charge-offs to loans | -0.1830% | 6,640 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5679% | 5,659 |
| Assets per employee ($millions) | 6.4074% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7293% | 2,672 |
| Loan loss allowance to noncurrent loans | 1,350.7937% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 5,459 |
| Noncurrent loans to loans | 0.1280% | 6,005 |
| Net loans and leases to total assets | 41.9313% | 5,902 |
| Net loans and leases to deposits | 50.7882% | 5,785 |
| Net loans and leases to core deposits | 56.4424% | 5,566 |
| Total domestic deposits to total assets | 82.5611% | 4,866 |
| Equity capital to assets | 13.2138% | 1,253 |
| Core capital (leverage) ratio | 12.4628% | 1,374 |
| Tier 1 risk-based capital ratio | 21.5201% | 1,383 |
| Total risk-based capital ratio | 22.7151% | 1,363 |
| Memoranda: | ||
| Average total assets | $117,840,330 | 4,395 |
| Average earning assets | $111,517,670 | 4,301 |
| Average equity | $15,489,330 | 3,858 |
| Average total loans | $46,999,000 | 5,136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 6,388 |
| Cost of funding earning assets | 0.6318% | 2,833 |
| Net interest margin | 2.4809% | 6,529 |
| Noninterest income to average assets | 0.2082% | 5,991 |
| Noninterest expense to average assets | 1.6424% | 6,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6024% | 4,202 |
| Return on assets (ROA) | 0.6113% | 4,327 |
| Pretax return on assets | 0.9270% | 3,664 |
| Return on Equity (ROE) | 4.6625% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.6625% | 3,437 |
| Net charge-offs to loans | -0.3661% | 6,807 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2576% | 4,968 |
| Assets per employee ($millions) | 7.0330% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8520% | 2,440 |
| Loan loss allowance to noncurrent loans | 1,491.2281% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 5,609 |
| Noncurrent loans to loans | 0.1242% | 6,098 |
| Net loans and leases to total assets | 37.6762% | 6,168 |
| Net loans and leases to deposits | 45.9831% | 6,054 |
| Net loans and leases to core deposits | 51.1846% | 5,877 |
| Total domestic deposits to total assets | 81.9347% | 5,214 |
| Equity capital to assets | 13.1029% | 1,384 |
| Core capital (leverage) ratio | 11.8507% | 1,656 |
| Tier 1 risk-based capital ratio | 22.6184% | 1,218 |
| Total risk-based capital ratio | 23.8469% | 1,203 |
| Memoranda: | ||
| Average total assets | $119,093,500 | 4,415 |
| Average earning assets | $112,702,000 | 4,314 |
| Average equity | $15,614,000 | 3,889 |
| Average total loans | $45,892,500 | 5,217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6328% | 6,162 |
| Cost of funding earning assets | 0.7692% | 2,924 |
| Net interest margin | 2.8636% | 6,291 |
| Noninterest income to average assets | 0.4578% | 4,195 |
| Noninterest expense to average assets | 1.7413% | 6,687 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9840% | 2,409 |
| Return on assets (ROA) | 0.9815% | 2,642 |
| Pretax return on assets | 1.4153% | 1,990 |
| Return on Equity (ROE) | 7.3142% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.3142% | 1,417 |
| Net charge-offs to loans | -0.0226% | 6,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1015% | 6,157 |
| Assets per employee ($millions) | 6.5903% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 2,718 |
| Loan loss allowance to noncurrent loans | 1,417.5439% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 5,675 |
| Noncurrent loans to loans | 0.1242% | 6,169 |
| Net loans and leases to total assets | 38.0026% | 6,310 |
| Net loans and leases to deposits | 46.8009% | 6,190 |
| Net loans and leases to core deposits | 51.4717% | 6,054 |
| Total domestic deposits to total assets | 81.2006% | 5,340 |
| Equity capital to assets | 13.1185% | 1,381 |
| Core capital (leverage) ratio | 12.2643% | 1,418 |
| Tier 1 risk-based capital ratio | 21.5345% | 1,352 |
| Total risk-based capital ratio | 22.7666% | 1,328 |
| Memoranda: | ||
| Average total assets | $112,272,600 | 4,540 |
| Average earning assets | $105,951,000 | 4,453 |
| Average equity | $15,066,600 | 3,951 |
| Average total loans | $44,343,200 | 5,312 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7635% | 6,102 |
| Cost of funding earning assets | 0.7896% | 3,030 |
| Net interest margin | 2.9739% | 6,224 |
| Noninterest income to average assets | 0.5276% | 3,757 |
| Noninterest expense to average assets | 1.7683% | 6,713 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1020% | 2,082 |
| Return on assets (ROA) | 1.0986% | 2,289 |
| Pretax return on assets | 1.5672% | 1,681 |
| Return on Equity (ROE) | 8.1375% | 3,217 |
| Retained earnings to average equity (ytd only) | 8.1375% | 1,559 |
| Net charge-offs to loans | -0.0303% | 6,576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9391% | 6,359 |
| Assets per employee ($millions) | 6.1308% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7796% | 2,860 |
| Loan loss allowance to noncurrent loans | 1,301.6129% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 5,648 |
| Noncurrent loans to loans | 0.1367% | 6,257 |
| Net loans and leases to total assets | 40.3597% | 6,252 |
| Net loans and leases to deposits | 49.8288% | 6,121 |
| Net loans and leases to core deposits | 55.2353% | 5,944 |
| Total domestic deposits to total assets | 80.9968% | 5,359 |
| Equity capital to assets | 14.0673% | 1,134 |
| Core capital (leverage) ratio | 12.6425% | 1,345 |
| Tier 1 risk-based capital ratio | 22.5249% | 1,246 |
| Total risk-based capital ratio | 23.7614% | 1,225 |
| Memoranda: | ||
| Average total assets | $110,684,250 | 4,621 |
| Average earning assets | $104,686,000 | 4,521 |
| Average equity | $14,942,750 | 4,019 |
| Average total loans | $43,956,750 | 5,393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8409% | 6,051 |
| Cost of funding earning assets | 0.8129% | 3,094 |
| Net interest margin | 3.0279% | 6,182 |
| Noninterest income to average assets | 0.6787% | 2,779 |
| Noninterest expense to average assets | 1.7059% | 6,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3303% | 1,360 |
| Return on assets (ROA) | 1.3250% | 1,524 |
| Pretax return on assets | 1.8232% | 994 |
| Return on Equity (ROE) | 9.9532% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.9532% | 990 |
| Net charge-offs to loans | -0.0368% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2389% | 6,764 |
| Assets per employee ($millions) | 6.2312% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8252% | 2,769 |
| Loan loss allowance to noncurrent loans | 814.1414% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 5,670 |
| Noncurrent loans to loans | 0.2242% | 6,130 |
| Net loans and leases to total assets | 38.6521% | 6,429 |
| Net loans and leases to deposits | 47.9669% | 6,311 |
| Net loans and leases to core deposits | 52.8051% | 6,178 |
| Total domestic deposits to total assets | 80.5808% | 5,593 |
| Equity capital to assets | 13.5643% | 1,276 |
| Core capital (leverage) ratio | 12.3722% | 1,408 |
| Tier 1 risk-based capital ratio | 22.4449% | 1,208 |
| Total risk-based capital ratio | 23.6835% | 1,196 |
| Memoranda: | ||
| Average total assets | $110,794,000 | 4,647 |
| Average earning assets | $104,559,330 | 4,549 |
| Average equity | $14,749,000 | 4,045 |
| Average total loans | $43,493,670 | 5,452 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 5,652 |
| Cost of funding earning assets | 0.8293% | 3,238 |
| Net interest margin | 3.2054% | 5,771 |
| Noninterest income to average assets | 0.2216% | 6,028 |
| Noninterest expense to average assets | 1.8273% | 6,765 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0828% | 2,160 |
| Return on assets (ROA) | 1.0717% | 2,385 |
| Pretax return on assets | 1.3986% | 2,194 |
| Return on Equity (ROE) | 8.1287% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.1287% | 1,933 |
| Net charge-offs to loans | -0.0278% | 6,312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3901% | 6,084 |
| Assets per employee ($millions) | 6.6896% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 2,612 |
| Loan loss allowance to noncurrent loans | 1,026.9231% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 5,820 |
| Noncurrent loans to loans | 0.1871% | 6,308 |
| Net loans and leases to total assets | 35.9458% | 6,622 |
| Net loans and leases to deposits | 44.7930% | 6,511 |
| Net loans and leases to core deposits | 49.1116% | 6,387 |
| Total domestic deposits to total assets | 80.2487% | 5,790 |
| Equity capital to assets | 12.9269% | 1,471 |
| Core capital (leverage) ratio | 12.2620% | 1,457 |
| Tier 1 risk-based capital ratio | 22.6513% | 1,185 |
| Total risk-based capital ratio | 23.8929% | 1,164 |
| Memoranda: | ||
| Average total assets | $110,110,000 | 4,706 |
| Average earning assets | $103,698,500 | 4,609 |
| Average equity | $14,516,500 | 4,091 |
| Average total loans | $43,161,000 | 5,499 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 5,805 |
| Cost of funding earning assets | 1.1026% | 2,659 |
| Net interest margin | 3.1824% | 6,151 |
| Noninterest income to average assets | 0.3071% | 5,344 |
| Noninterest expense to average assets | 1.8661% | 6,868 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0547% | 1,987 |
| Return on assets (ROA) | 1.0054% | 2,317 |
| Pretax return on assets | 1.3556% | 1,927 |
| Return on Equity (ROE) | 7.5933% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.5933% | 1,230 |
| Net charge-offs to loans | -0.1871% | 7,207 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7519% | 6,221 |
| Assets per employee ($millions) | 6.2645% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7876% | 2,907 |
| Loan loss allowance to noncurrent loans | 1,010.1266% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.4470% | 5,845 |
| Noncurrent loans to loans | 0.1770% | 6,395 |
| Net loans and leases to total assets | 41.1696% | 6,451 |
| Net loans and leases to deposits | 52.0527% | 6,210 |
| Net loans and leases to core deposits | 57.6629% | 6,026 |
| Total domestic deposits to total assets | 79.0922% | 5,974 |
| Equity capital to assets | 13.4578% | 1,292 |
| Core capital (leverage) ratio | 12.8192% | 1,212 |
| Tier 1 risk-based capital ratio | 22.1502% | 1,220 |
| Total risk-based capital ratio | 23.3912% | 1,191 |
| Memoranda: | ||
| Average total assets | $102,243,000 | 4,840 |
| Average earning assets | $95,777,800 | 4,761 |
| Average equity | $13,538,200 | 4,232 |
| Average total loans | $43,827,600 | 5,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 5,679 |
| Cost of funding earning assets | 1.1586% | 2,579 |
| Net interest margin | 3.2207% | 6,110 |
| Noninterest income to average assets | 0.3110% | 5,380 |
| Noninterest expense to average assets | 1.8646% | 6,899 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0742% | 2,063 |
| Return on assets (ROA) | 1.0450% | 2,312 |
| Pretax return on assets | 1.4179% | 1,889 |
| Return on Equity (ROE) | 7.9260% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,531 |
| Net charge-offs to loans | 0.0214% | 5,856 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 158.0525% | 245 |
| Efficiency ratio | 56.1285% | 6,267 |
| Assets per employee ($millions) | 6.0030% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,903 |
| Loan loss allowance to noncurrent loans | 352.7363% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 5,685 |
| Noncurrent loans to loans | 0.4382% | 5,966 |
| Net loans and leases to total assets | 44.2485% | 6,312 |
| Net loans and leases to deposits | 57.6013% | 5,880 |
| Net loans and leases to core deposits | 63.9866% | 5,611 |
| Total domestic deposits to total assets | 76.8185% | 6,404 |
| Equity capital to assets | 13.9068% | 1,193 |
| Core capital (leverage) ratio | 12.7169% | 1,337 |
| Tier 1 risk-based capital ratio | 21.4304% | 1,376 |
| Total risk-based capital ratio | 22.5938% | 1,370 |
| Memoranda: | ||
| Average total assets | $101,179,750 | 4,890 |
| Average earning assets | $94,595,250 | 4,834 |
| Average equity | $13,339,750 | 4,283 |
| Average total loans | $43,624,000 | 5,579 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3712% | 5,786 |
| Cost of funding earning assets | 1.1995% | 2,590 |
| Net interest margin | 3.1717% | 6,238 |
| Noninterest income to average assets | 0.3350% | 5,209 |
| Noninterest expense to average assets | 1.8555% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0629% | 1,989 |
| Return on assets (ROA) | 1.0189% | 2,238 |
| Pretax return on assets | 1.3817% | 1,853 |
| Return on Equity (ROE) | 7.8740% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.8740% | 1,500 |
| Net charge-offs to loans | -0.8956% | 7,435 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2838% | 6,391 |
| Assets per employee ($millions) | 6.0939% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 2,129 |
| Loan loss allowance to noncurrent loans | 1,513.3333% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 6,690 |
| Noncurrent loans to loans | 0.1386% | 6,631 |
| Net loans and leases to total assets | 40.9056% | 6,677 |
| Net loans and leases to deposits | 52.5293% | 6,427 |
| Net loans and leases to core deposits | 57.6072% | 6,298 |
| Total domestic deposits to total assets | 77.8719% | 6,310 |
| Equity capital to assets | 13.0959% | 1,474 |
| Core capital (leverage) ratio | 12.4495% | 1,389 |
| Tier 1 risk-based capital ratio | 21.8253% | 1,286 |
| Total risk-based capital ratio | 23.0752% | 1,256 |
| Memoranda: | ||
| Average total assets | $100,889,330 | 4,937 |
| Average earning assets | $94,208,000 | 4,877 |
| Average equity | $13,055,670 | 4,328 |
| Average total loans | $42,877,000 | 5,667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4693% | 5,450 |
| Cost of funding earning assets | 1.2603% | 2,426 |
| Net interest margin | 3.2089% | 6,040 |
| Noninterest income to average assets | 0.4300% | 4,451 |
| Noninterest expense to average assets | 1.9691% | 6,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0778% | 1,917 |
| Return on assets (ROA) | 0.9886% | 2,274 |
| Pretax return on assets | 1.3382% | 1,917 |
| Return on Equity (ROE) | 7.6875% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.6875% | 1,845 |
| Net charge-offs to loans | -0.8061% | 7,466 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4443% | 6,331 |
| Assets per employee ($millions) | 5.9156% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 2,685 |
| Loan loss allowance to noncurrent loans | 802.0000% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 6,625 |
| Noncurrent loans to loans | 0.2371% | 6,510 |
| Net loans and leases to total assets | 41.1431% | 6,697 |
| Net loans and leases to deposits | 52.1805% | 6,463 |
| Net loans and leases to core deposits | 57.1768% | 6,329 |
| Total domestic deposits to total assets | 78.8477% | 6,228 |
| Equity capital to assets | 12.8960% | 1,428 |
| Core capital (leverage) ratio | 12.3687% | 1,381 |
| Tier 1 risk-based capital ratio | 21.1018% | 1,374 |
| Total risk-based capital ratio | 22.3530% | 1,345 |
| Memoranda: | ||
| Average total assets | $99,535,500 | 5,012 |
| Average earning assets | $92,990,500 | 4,944 |
| Average equity | $12,800,000 | 4,383 |
| Average total loans | $42,673,000 | 5,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 5,420 |
| Cost of funding earning assets | 1.4458% | 2,986 |
| Net interest margin | 3.3505% | 5,790 |
| Noninterest income to average assets | 0.9564% | 1,649 |
| Noninterest expense to average assets | 2.2545% | 6,467 |
| Loan and lease loss provision to assets | 0.3652% | 3,924 |
| Net operating income to assets | 1.1258% | 1,622 |
| Return on assets (ROA) | 1.1267% | 1,699 |
| Pretax return on assets | 1.4180% | 1,608 |
| Return on Equity (ROE) | 8.4122% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.0133% | 1,803 |
| Net charge-offs to loans | 1.5216% | 1,439 |
| Credit loss provision to net charge-offs | 50.2209% | 6,254 |
| Earnings coverage of net charge-offs (x) | 2.4507% | 3,905 |
| Efficiency ratio | 55.8504% | 6,613 |
| Assets per employee ($millions) | 6.1566% | 1,107 |
| Cash dividends to net income (ytd only)* | 28.5171% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 3,363 |
| Loan loss allowance to noncurrent loans | 331.4815% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 6,406 |
| Noncurrent loans to loans | 0.5004% | 6,040 |
| Net loans and leases to total assets | 43.0963% | 6,778 |
| Net loans and leases to deposits | 56.1022% | 6,439 |
| Net loans and leases to core deposits | 61.4747% | 6,278 |
| Total domestic deposits to total assets | 76.8174% | 6,510 |
| Equity capital to assets | 12.8227% | 1,481 |
| Core capital (leverage) ratio | 12.3755% | 1,360 |
| Tier 1 risk-based capital ratio | 20.8920% | 1,330 |
| Total risk-based capital ratio | 22.1113% | 1,315 |
| Memoranda: | ||
| Average total assets | $93,370,400 | 5,180 |
| Average earning assets | $85,837,400 | 5,148 |
| Average equity | $12,505,600 | 4,476 |
| Average total loans | $44,625,000 | 5,720 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 5,726 |
| Cost of funding earning assets | 1.4733% | 3,127 |
| Net interest margin | 3.3103% | 5,982 |
| Noninterest income to average assets | 0.4546% | 4,523 |
| Noninterest expense to average assets | 2.0762% | 6,897 |
| Loan and lease loss provision to assets | 0.4199% | 3,384 |
| Net operating income to assets | 0.8834% | 2,681 |
| Return on assets (ROA) | 0.8847% | 2,816 |
| Pretax return on assets | 0.9918% | 3,211 |
| Return on Equity (ROE) | 6.5307% | 3,560 |
| Retained earnings to average equity (ytd only) | 6.5307% | 2,074 |
| Net charge-offs to loans | 1.7248% | 1,131 |
| Credit loss provision to net charge-offs | 49.8282% | 5,886 |
| Earnings coverage of net charge-offs (x) | 1.6735% | 4,450 |
| Efficiency ratio | 59.5515% | 6,018 |
| Assets per employee ($millions) | 5.6026% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 3,495 |
| Loan loss allowance to noncurrent loans | 74.1715% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 4,489 |
| Noncurrent loans to loans | 2.1687% | 3,485 |
| Net loans and leases to total assets | 48.8734% | 6,444 |
| Net loans and leases to deposits | 64.4875% | 5,852 |
| Net loans and leases to core deposits | 72.0205% | 5,510 |
| Total domestic deposits to total assets | 75.7875% | 6,693 |
| Equity capital to assets | 13.6870% | 1,280 |
| Core capital (leverage) ratio | 12.8864% | 1,270 |
| Tier 1 risk-based capital ratio | 20.3767% | 1,468 |
| Total risk-based capital ratio | 21.6268% | 1,447 |
| Memoranda: | ||
| Average total assets | $92,086,750 | 5,286 |
| Average earning assets | $84,341,500 | 5,254 |
| Average equity | $12,474,250 | 4,556 |
| Average total loans | $44,989,250 | 5,781 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8122% | 5,753 |
| Cost of funding earning assets | 1.5046% | 3,234 |
| Net interest margin | 3.3077% | 5,992 |
| Noninterest income to average assets | 0.5097% | 4,031 |
| Noninterest expense to average assets | 2.1003% | 6,907 |
| Loan and lease loss provision to assets | 0.5712% | 2,490 |
| Net operating income to assets | 0.8261% | 2,838 |
| Return on assets (ROA) | 0.8283% | 2,987 |
| Pretax return on assets | 0.8590% | 3,665 |
| Return on Equity (ROE) | 6.1366% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.1366% | 2,260 |
| Net charge-offs to loans | 2.6280% | 632 |
| Credit loss provision to net charge-offs | 44.7504% | 5,527 |
| Earnings coverage of net charge-offs (x) | 1.1188% | 4,671 |
| Efficiency ratio | 59.5268% | 6,137 |
| Assets per employee ($millions) | 5.3180% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,442 |
| Loan loss allowance to noncurrent loans | 80.1969% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 4,585 |
| Noncurrent loans to loans | 1.9958% | 3,722 |
| Net loans and leases to total assets | 49.8451% | 6,449 |
| Net loans and leases to deposits | 65.0100% | 5,916 |
| Net loans and leases to core deposits | 71.7461% | 5,699 |
| Total domestic deposits to total assets | 76.6730% | 6,571 |
| Equity capital to assets | 13.9305% | 1,189 |
| Core capital (leverage) ratio | 13.1106% | 1,172 |
| Tier 1 risk-based capital ratio | 20.9588% | 1,347 |
| Total risk-based capital ratio | 22.2101% | 1,320 |
| Memoranda: | ||
| Average total assets | $91,034,330 | 5,354 |
| Average earning assets | $83,079,670 | 5,335 |
| Average equity | $12,287,000 | 4,601 |
| Average total loans | $44,215,670 | 5,855 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7832% | 5,951 |
| Cost of funding earning assets | 1.4939% | 3,603 |
| Net interest margin | 3.2894% | 6,012 |
| Noninterest income to average assets | 0.5868% | 3,361 |
| Noninterest expense to average assets | 2.0756% | 7,001 |
| Loan and lease loss provision to assets | 0.1314% | 5,260 |
| Net operating income to assets | 1.2309% | 1,462 |
| Return on assets (ROA) | 1.2348% | 1,522 |
| Pretax return on assets | 1.3925% | 1,796 |
| Return on Equity (ROE) | 9.2966% | 2,377 |
| Retained earnings to average equity (ytd only) | 9.2966% | 1,320 |
| Net charge-offs to loans | -0.0829% | 7,485 |
| Credit loss provision to net charge-offs | -333.3333% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7345% | 6,524 |
| Assets per employee ($millions) | 5.3803% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5822% | 1,201 |
| Loan loss allowance to noncurrent loans | 41.5116% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.8787% | 2,502 |
| Noncurrent loans to loans | 6.2205% | 1,038 |
| Net loans and leases to total assets | 45.0828% | 6,900 |
| Net loans and leases to deposits | 58.9164% | 6,561 |
| Net loans and leases to core deposits | 64.9667% | 6,377 |
| Total domestic deposits to total assets | 76.5200% | 6,659 |
| Equity capital to assets | 13.4937% | 1,329 |
| Core capital (leverage) ratio | 12.8334% | 1,281 |
| Tier 1 risk-based capital ratio | 21.2175% | 1,306 |
| Total risk-based capital ratio | 22.4764% | 1,281 |
| Memoranda: | ||
| Average total assets | $91,348,500 | 5,408 |
| Average earning assets | $83,542,000 | 5,377 |
| Average equity | $12,133,500 | 4,681 |
| Average total loans | $43,425,500 | 5,966 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 6,346 |
| Cost of funding earning assets | 1.7421% | 4,291 |
| Net interest margin | 3.2844% | 5,802 |
| Noninterest income to average assets | 0.5110% | 4,324 |
| Noninterest expense to average assets | 2.0975% | 7,196 |
| Loan and lease loss provision to assets | 0.7381% | 2,900 |
| Net operating income to assets | 0.5021% | 3,716 |
| Return on assets (ROA) | 0.5156% | 3,767 |
| Pretax return on assets | 0.6973% | 3,586 |
| Return on Equity (ROE) | 3.8424% | 4,150 |
| Retained earnings to average equity (ytd only) | 0.4570% | 4,650 |
| Net charge-offs to loans | 1.2077% | 2,039 |
| Credit loss provision to net charge-offs | 125.2408% | 4,174 |
| Earnings coverage of net charge-offs (x) | 2.4046% | 3,928 |
| Efficiency ratio | 59.6769% | 6,534 |
| Assets per employee ($millions) | 5.3666% | 1,773 |
| Cash dividends to net income (ytd only)* | 88.1057% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3673% | 1,391 |
| Loan loss allowance to noncurrent loans | 45.9259% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.5156% | 2,779 |
| Noncurrent loans to loans | 5.1546% | 1,289 |
| Net loans and leases to total assets | 47.6467% | 6,833 |
| Net loans and leases to deposits | 62.2025% | 6,446 |
| Net loans and leases to core deposits | 79.8593% | 6,113 |
| Total domestic deposits to total assets | 76.5992% | 6,567 |
| Equity capital to assets | 13.0711% | 1,486 |
| Core capital (leverage) ratio | 12.6268% | 1,396 |
| Tier 1 risk-based capital ratio | 20.4649% | 1,376 |
| Total risk-based capital ratio | 21.7231% | 1,346 |
| Memoranda: | ||
| Average total assets | $88,059,200 | 5,446 |
| Average earning assets | $80,533,200 | 5,439 |
| Average equity | $11,815,400 | 4,793 |
| Average total loans | $42,973,800 | 5,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 6,594 |
| Cost of funding earning assets | 1.7121% | 4,835 |
| Net interest margin | 3.2897% | 5,685 |
| Noninterest income to average assets | 0.5882% | 3,790 |
| Noninterest expense to average assets | 2.0932% | 7,212 |
| Loan and lease loss provision to assets | 0.9931% | 1,932 |
| Net operating income to assets | 0.3632% | 4,538 |
| Return on assets (ROA) | 0.3759% | 4,598 |
| Pretax return on assets | 0.5470% | 4,368 |
| Return on Equity (ROE) | 2.7824% | 4,887 |
| Retained earnings to average equity (ytd only) | -1.7419% | 5,666 |
| Net charge-offs to loans | 1.5998% | 1,275 |
| Credit loss provision to net charge-offs | 127.2016% | 3,951 |
| Earnings coverage of net charge-offs (x) | 1.9491% | 4,351 |
| Efficiency ratio | 57.9036% | 6,727 |
| Assets per employee ($millions) | 4.8965% | 2,272 |
| Cash dividends to net income (ytd only)* | 162.6025% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4756% | 1,090 |
| Loan loss allowance to noncurrent loans | 58.7161% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.0899% | 3,224 |
| Noncurrent loans to loans | 4.2162% | 1,710 |
| Net loans and leases to total assets | 47.4228% | 7,004 |
| Net loans and leases to deposits | 60.8523% | 6,759 |
| Net loans and leases to core deposits | 78.7671% | 6,433 |
| Total domestic deposits to total assets | 77.9309% | 6,108 |
| Equity capital to assets | 13.3712% | 1,544 |
| Core capital (leverage) ratio | 12.7611% | 1,463 |
| Tier 1 risk-based capital ratio | 22.1469% | 1,208 |
| Total risk-based capital ratio | 23.0909% | 1,220 |
| Memoranda: | ||
| Average total assets | $87,266,000 | 5,507 |
| Average earning assets | $80,289,000 | 5,486 |
| Average equity | $11,788,000 | 4,846 |
| Average total loans | $42,586,500 | 6,038 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1371% | 6,291 |
| Cost of funding earning assets | 1.6981% | 5,281 |
| Net interest margin | 3.4390% | 5,032 |
| Noninterest income to average assets | 0.7588% | 2,651 |
| Noninterest expense to average assets | 2.0695% | 7,334 |
| Loan and lease loss provision to assets | 0.8048% | 2,077 |
| Net operating income to assets | 0.6078% | 3,645 |
| Return on assets (ROA) | 0.6255% | 3,674 |
| Pretax return on assets | 1.0601% | 2,771 |
| Return on Equity (ROE) | 4.6145% | 4,248 |
| Retained earnings to average equity (ytd only) | 0.3732% | 5,067 |
| Net charge-offs to loans | -0.0141% | 7,648 |
| Credit loss provision to net charge-offs | -11,666.6667% | 7,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9723% | 7,442 |
| Assets per employee ($millions) | 4.8981% | 2,197 |
| Cash dividends to net income (ytd only)* | 91.9118% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9786% | 578 |
| Loan loss allowance to noncurrent loans | 57.9019% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 2.5373% | 2,535 |
| Noncurrent loans to loans | 5.1443% | 1,172 |
| Net loans and leases to total assets | 47.1049% | 7,114 |
| Net loans and leases to deposits | 61.1644% | 6,806 |
| Net loans and leases to core deposits | 79.3360% | 6,458 |
| Total domestic deposits to total assets | 77.0136% | 6,326 |
| Equity capital to assets | 13.2218% | 1,591 |
| Core capital (leverage) ratio | 12.9647% | 1,442 |
| Tier 1 risk-based capital ratio | 22.4597% | 1,189 |
| Total risk-based capital ratio | 23.7426% | 1,154 |
| Memoranda: | ||
| Average total assets | $86,975,670 | 5,556 |
| Average earning assets | $79,616,330 | 5,544 |
| Average equity | $11,789,000 | 4,871 |
| Average total loans | $42,496,000 | 6,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2665% | 6,038 |
| Cost of funding earning assets | 1.6559% | 5,792 |
| Net interest margin | 3.6106% | 4,274 |
| Noninterest income to average assets | 0.7085% | 2,837 |
| Noninterest expense to average assets | 2.0375% | 7,261 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4170% | 1,108 |
| Return on assets (ROA) | 1.4170% | 1,190 |
| Pretax return on assets | 1.9727% | 698 |
| Return on Equity (ROE) | 10.3248% | 2,187 |
| Retained earnings to average equity (ytd only) | 10.3248% | 1,113 |
| Net charge-offs to loans | -0.0189% | 7,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8083% | 7,529 |
| Assets per employee ($millions) | 5.1270% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 1,063 |
| Loan loss allowance to noncurrent loans | 59.6129% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 1.8185% | 3,189 |
| Noncurrent loans to loans | 3.7160% | 1,672 |
| Net loans and leases to total assets | 46.7961% | 7,126 |
| Net loans and leases to deposits | 60.0409% | 6,890 |
| Net loans and leases to core deposits | 77.8512% | 6,546 |
| Total domestic deposits to total assets | 77.9403% | 6,031 |
| Equity capital to assets | 13.7737% | 1,428 |
| Core capital (leverage) ratio | 13.6242% | 1,286 |
| Tier 1 risk-based capital ratio | 24.3871% | 1,032 |
| Total risk-based capital ratio | 25.6450% | 1,011 |
| Memoranda: | ||
| Average total assets | $86,381,000 | 5,593 |
| Average earning assets | $78,990,000 | 5,586 |
| Average equity | $11,855,000 | 4,878 |
| Average total loans | $42,341,500 | 6,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 5,677 |
| Cost of funding earning assets | 2.4237% | 4,613 |
| Net interest margin | 3.5497% | 5,099 |
| Noninterest income to average assets | 0.2683% | 6,541 |
| Noninterest expense to average assets | 1.9274% | 7,569 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2369% | 1,658 |
| Return on assets (ROA) | 1.2422% | 1,591 |
| Pretax return on assets | 1.6700% | 1,214 |
| Return on Equity (ROE) | 8.8866% | 2,680 |
| Retained earnings to average equity (ytd only) | 2.8354% | 3,407 |
| Net charge-offs to loans | 0.0045% | 6,923 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 80 |
| Efficiency ratio | 53.6856% | 7,305 |
| Assets per employee ($millions) | 5.3502% | 1,580 |
| Cash dividends to net income (ytd only)* | 68.0934% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 1,005 |
| Loan loss allowance to noncurrent loans | 136.7953% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8282% | 4,777 |
| Noncurrent loans to loans | 1.5685% | 3,433 |
| Net loans and leases to total assets | 49.1221% | 7,095 |
| Net loans and leases to deposits | 61.5955% | 6,979 |
| Net loans and leases to core deposits | 77.3931% | 6,778 |
| Total domestic deposits to total assets | 79.7495% | 5,114 |
| Equity capital to assets | 13.6736% | 1,542 |
| Core capital (leverage) ratio | 13.8251% | 1,306 |
| Tier 1 risk-based capital ratio | 21.5358% | 1,384 |
| Total risk-based capital ratio | 22.7909% | 1,348 |
| Memoranda: | ||
| Average total assets | $82,755,000 | 5,604 |
| Average earning assets | $77,443,200 | 5,529 |
| Average equity | $11,568,000 | 4,947 |
| Average total loans | $44,109,400 | 5,973 |