Home > The Farmers State Bank of Westmoreland > Performance and Condition Ratios
The Farmers State Bank of Westmoreland, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5970% | 2,899 |
| Cost of funding earning assets | 2.0197% | 892 |
| Net interest margin | 2.5772% | 3,998 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.2749% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4492% | 3,770 |
| Return on assets (ROA) | 0.4729% | 3,726 |
| Pretax return on assets | 0.5029% | 3,804 |
| Return on Equity (ROE) | 4.5300% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.3917% | 3,166 |
| Net charge-offs to loans | -0.0014% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.7129% | 796 |
| Assets per employee ($millions) | 6.2900% | 2,563 |
| Cash dividends to net income (ytd only)* | 25.0712% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 445 |
| Loan loss allowance to noncurrent loans | 121.5398% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 482 |
| Noncurrent loans to loans | 1.5730% | 420 |
| Net loans and leases to total assets | 63.6700% | 2,490 |
| Net loans and leases to deposits | 75.5922% | 2,491 |
| Net loans and leases to core deposits | 79.4262% | 2,740 |
| Total domestic deposits to total assets | 84.2200% | 2,555 |
| Equity capital to assets | 10.8916% | 1,530 |
| Core capital (leverage) ratio | 14.5732% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $222,687,600 | 2,831 |
| Average earning assets | $212,204,600 | 2,788 |
| Average equity | $23,263,000 | 2,609 |
| Average total loans | $143,810,200 | 2,729 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 2,818 |
| Cost of funding earning assets | 1.9178% | 835 |
| Net interest margin | 2.6230% | 3,997 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.0870% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5826% | 3,588 |
| Return on assets (ROA) | 0.6091% | 3,514 |
| Pretax return on assets | 0.7618% | 3,418 |
| Return on Equity (ROE) | 5.8900% | 3,656 |
| Retained earnings to average equity (ytd only) | 5.0159% | 2,924 |
| Net charge-offs to loans | -0.0214% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.2009% | 1,425 |
| Assets per employee ($millions) | 6.5140% | 2,320 |
| Cash dividends to net income (ytd only)* | 14.9062% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 397 |
| Loan loss allowance to noncurrent loans | 104.8907% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.2556% | 343 |
| Noncurrent loans to loans | 1.8930% | 335 |
| Net loans and leases to total assets | 65.0100% | 2,345 |
| Net loans and leases to deposits | 75.8859% | 2,428 |
| Net loans and leases to core deposits | 78.9843% | 2,674 |
| Total domestic deposits to total assets | 85.6700% | 2,289 |
| Equity capital to assets | 10.0790% | 1,786 |
| Core capital (leverage) ratio | 14.8196% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $221,749,250 | 2,849 |
| Average earning assets | $211,560,500 | 2,805 |
| Average equity | $22,913,000 | 2,628 |
| Average total loans | $143,018,250 | 2,735 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 2,520 |
| Cost of funding earning assets | 1.7723% | 781 |
| Net interest margin | 2.7820% | 3,849 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.9839% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7382% | 3,247 |
| Return on assets (ROA) | 0.7758% | 3,166 |
| Pretax return on assets | 0.9809% | 2,970 |
| Return on Equity (ROE) | 6.6600% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.6621% | 2,391 |
| Net charge-offs to loans | -0.0251% | 4,187 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1295% | 2,091 |
| Assets per employee ($millions) | 6.1109% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 467 |
| Loan loss allowance to noncurrent loans | 105.2514% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 343 |
| Noncurrent loans to loans | 1.8383% | 325 |
| Net loans and leases to total assets | 63.3500% | 2,448 |
| Net loans and leases to deposits | 73.8615% | 2,508 |
| Net loans and leases to core deposits | 76.4758% | 2,729 |
| Total domestic deposits to total assets | 85.7700% | 2,309 |
| Equity capital to assets | 11.9454% | 1,066 |
| Core capital (leverage) ratio | 12.5645% | 1,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $227,131,333 | 2,826 |
| Average earning assets | $213,511,667 | 2,802 |
| Average equity | $26,448,000 | 2,438 |
| Average total loans | $143,164,000 | 2,740 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,653 |
| Cost of funding earning assets | 1.5450% | 778 |
| Net interest margin | 2.8139% | 3,931 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.9047% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8086% | 3,167 |
| Return on assets (ROA) | 0.8100% | 3,115 |
| Pretax return on assets | 1.0209% | 2,932 |
| Return on Equity (ROE) | 7.0500% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.0469% | 2,480 |
| Net charge-offs to loans | -0.0706% | 4,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.3029% | 2,416 |
| Assets per employee ($millions) | 6.5163% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9440% | 488 |
| Loan loss allowance to noncurrent loans | 116.8729% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 376 |
| Noncurrent loans to loans | 1.6633% | 378 |
| Net loans and leases to total assets | 62.6600% | 2,389 |
| Net loans and leases to deposits | 71.9753% | 2,469 |
| Net loans and leases to core deposits | 74.6478% | 2,630 |
| Total domestic deposits to total assets | 87.0500% | 2,244 |
| Equity capital to assets | 12.0111% | 999 |
| Core capital (leverage) ratio | 12.6441% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $227,645,000 | 2,854 |
| Average earning assets | $214,367,500 | 2,829 |
| Average equity | $26,167,500 | 2,478 |
| Average total loans | $141,716,500 | 2,784 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 2,070 |
| Cost of funding earning assets | 0.7666% | 438 |
| Net interest margin | 3.1017% | 3,171 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 2.3173% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7978% | 3,335 |
| Return on assets (ROA) | 0.7793% | 3,332 |
| Pretax return on assets | 0.9434% | 3,234 |
| Return on Equity (ROE) | 6.4500% | 3,735 |
| Retained earnings to average equity (ytd only) | 5.0809% | 3,013 |
| Net charge-offs to loans | -0.1297% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.8254% | 1,709 |
| Assets per employee ($millions) | 6.3116% | 2,502 |
| Cash dividends to net income (ytd only)* | 21.1679% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 737 |
| Loan loss allowance to noncurrent loans | 89.1320% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 321 |
| Noncurrent loans to loans | 1.9579% | 293 |
| Net loans and leases to total assets | 59.5500% | 2,685 |
| Net loans and leases to deposits | 66.9229% | 2,824 |
| Net loans and leases to core deposits | 69.3374% | 2,921 |
| Total domestic deposits to total assets | 88.9800% | 1,724 |
| Equity capital to assets | 10.9767% | 1,264 |
| Core capital (leverage) ratio | 12.7280% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $228,544,200 | 2,851 |
| Average earning assets | $216,270,000 | 2,821 |
| Average equity | $27,633,000 | 2,442 |
| Average total loans | $131,873,400 | 2,808 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7485% | 1,897 |
| Cost of funding earning assets | 0.5706% | 514 |
| Net interest margin | 3.1779% | 2,691 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.0838% | 3,250 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9779% | 2,551 |
| Return on assets (ROA) | 0.9991% | 2,449 |
| Pretax return on assets | 1.2670% | 2,150 |
| Return on Equity (ROE) | 8.0800% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.1879% | 2,303 |
| Net charge-offs to loans | -0.3844% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.9348% | 2,837 |
| Assets per employee ($millions) | 6.3252% | 2,465 |
| Cash dividends to net income (ytd only)* | 11.0204% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 488 |
| Loan loss allowance to noncurrent loans | 90.6185% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 301 |
| Noncurrent loans to loans | 2.2283% | 259 |
| Net loans and leases to total assets | 55.5700% | 2,948 |
| Net loans and leases to deposits | 62.8305% | 2,958 |
| Net loans and leases to core deposits | 65.2331% | 3,003 |
| Total domestic deposits to total assets | 88.4500% | 2,295 |
| Equity capital to assets | 11.4314% | 1,028 |
| Core capital (leverage) ratio | 12.3659% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $228,875,750 | 2,870 |
| Average earning assets | $217,074,500 | 2,832 |
| Average equity | $28,306,000 | 2,446 |
| Average total loans | $130,416,500 | 2,823 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 1,517 |
| Cost of funding earning assets | 0.4423% | 719 |
| Net interest margin | 3.2659% | 2,010 |
| Noninterest income to average assets | 0.3010% | 3,355 |
| Noninterest expense to average assets | 2.0143% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1357% | 1,645 |
| Return on assets (ROA) | 1.1672% | 1,519 |
| Pretax return on assets | 1.4298% | 1,360 |
| Return on Equity (ROE) | 9.2071% | 2,629 |
| Retained earnings to average equity (ytd only) | 9.2071% | 1,226 |
| Net charge-offs to loans | -0.5763% | 4,701 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4016% | 3,501 |
| Assets per employee ($millions) | 6.4386% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 558 |
| Loan loss allowance to noncurrent loans | 82.0698% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 281 |
| Noncurrent loans to loans | 2.4303% | 240 |
| Net loans and leases to total assets | 55.3067% | 2,822 |
| Net loans and leases to deposits | 62.7624% | 2,831 |
| Net loans and leases to core deposits | 65.1429% | 2,888 |
| Total domestic deposits to total assets | 88.1208% | 2,522 |
| Equity capital to assets | 11.8059% | 938 |
| Core capital (leverage) ratio | 12.3393% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,265,333 | 2,894 |
| Average earning assets | $217,947,667 | 2,865 |
| Average equity | $29,064,667 | 2,459 |
| Average total loans | $130,837,000 | 2,831 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 1,645 |
| Cost of funding earning assets | 0.3866% | 944 |
| Net interest margin | 3.1626% | 1,986 |
| Noninterest income to average assets | 0.3018% | 3,305 |
| Noninterest expense to average assets | 1.9368% | 3,581 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0807% | 1,575 |
| Return on assets (ROA) | 1.1403% | 1,402 |
| Pretax return on assets | 1.4544% | 1,117 |
| Return on Equity (ROE) | 8.6914% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.6914% | 1,370 |
| Net charge-offs to loans | -0.4494% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6720% | 3,713 |
| Assets per employee ($millions) | 6.2758% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 861 |
| Loan loss allowance to noncurrent loans | 85.1163% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 365 |
| Noncurrent loans to loans | 2.1293% | 327 |
| Net loans and leases to total assets | 55.5055% | 2,576 |
| Net loans and leases to deposits | 63.5403% | 2,567 |
| Net loans and leases to core deposits | 65.9744% | 2,629 |
| Total domestic deposits to total assets | 87.3548% | 2,796 |
| Equity capital to assets | 12.4988% | 806 |
| Core capital (leverage) ratio | 12.6391% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $228,002,500 | 2,910 |
| Average earning assets | $217,291,500 | 2,880 |
| Average equity | $29,914,500 | 2,487 |
| Average total loans | $130,853,000 | 2,837 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 1,749 |
| Cost of funding earning assets | 0.4606% | 1,124 |
| Net interest margin | 3.3868% | 2,073 |
| Noninterest income to average assets | 0.4049% | 3,023 |
| Noninterest expense to average assets | 2.2929% | 2,817 |
| Loan and lease loss provision to assets | 0.0135% | 2,813 |
| Net operating income to assets | 1.0557% | 2,461 |
| Return on assets (ROA) | 1.0586% | 2,521 |
| Pretax return on assets | 1.3200% | 2,296 |
| Return on Equity (ROE) | 7.7761% | 3,290 |
| Retained earnings to average equity (ytd only) | 6.6596% | 2,054 |
| Net charge-offs to loans | 0.0496% | 1,320 |
| Credit loss provision to net charge-offs | 46.1538% | 2,159 |
| Earnings coverage of net charge-offs (x) | 45.6308% | 1,356 |
| Efficiency ratio | 62.5866% | 2,779 |
| Assets per employee ($millions) | 6.2166% | 2,556 |
| Cash dividends to net income (ytd only)* | 14.3583% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7111% | 1,023 |
| Loan loss allowance to noncurrent loans | 97.6805% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.0210% | 537 |
| Noncurrent loans to loans | 1.7518% | 489 |
| Net loans and leases to total assets | 57.2871% | 2,445 |
| Net loans and leases to deposits | 66.5722% | 2,457 |
| Net loans and leases to core deposits | 69.3706% | 2,515 |
| Total domestic deposits to total assets | 86.0527% | 2,884 |
| Equity capital to assets | 13.7650% | 713 |
| Core capital (leverage) ratio | 13.2916% | 729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,035,800 | 2,886 |
| Average earning assets | $211,913,800 | 2,859 |
| Average equity | $30,362,400 | 2,510 |
| Average total loans | $131,053,600 | 2,844 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 1,601 |
| Cost of funding earning assets | 0.4832% | 1,145 |
| Net interest margin | 3.4912% | 1,887 |
| Noninterest income to average assets | 0.3781% | 3,215 |
| Noninterest expense to average assets | 2.0803% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2669% | 1,930 |
| Return on assets (ROA) | 1.2702% | 1,973 |
| Pretax return on assets | 1.6136% | 1,654 |
| Return on Equity (ROE) | 9.3569% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.6958% | 1,804 |
| Net charge-offs to loans | 0.0163% | 1,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 168.1250% | 625 |
| Efficiency ratio | 55.6835% | 3,565 |
| Assets per employee ($millions) | 6.2954% | 2,425 |
| Cash dividends to net income (ytd only)* | 7.0655% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,016 |
| Loan loss allowance to noncurrent loans | 76.7212% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 441 |
| Noncurrent loans to loans | 2.2757% | 358 |
| Net loans and leases to total assets | 55.8938% | 2,737 |
| Net loans and leases to deposits | 65.0830% | 2,725 |
| Net loans and leases to core deposits | 67.9773% | 2,776 |
| Total domestic deposits to total assets | 85.8808% | 2,790 |
| Equity capital to assets | 13.7388% | 795 |
| Core capital (leverage) ratio | 13.4131% | 749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $222,845,000 | 2,921 |
| Average earning assets | $211,382,500 | 2,890 |
| Average equity | $30,251,500 | 2,545 |
| Average total loans | $131,207,000 | 2,878 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 1,208 |
| Cost of funding earning assets | 0.5170% | 1,110 |
| Net interest margin | 3.6724% | 1,418 |
| Noninterest income to average assets | 0.3574% | 3,321 |
| Noninterest expense to average assets | 2.0751% | 3,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3792% | 1,631 |
| Return on assets (ROA) | 1.3828% | 1,690 |
| Pretax return on assets | 1.7619% | 1,325 |
| Return on Equity (ROE) | 10.2282% | 2,667 |
| Retained earnings to average equity (ytd only) | 10.2282% | 1,331 |
| Net charge-offs to loans | -0.1182% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4621% | 3,873 |
| Assets per employee ($millions) | 6.2752% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 1,096 |
| Loan loss allowance to noncurrent loans | 85.2727% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 555 |
| Noncurrent loans to loans | 1.9774% | 501 |
| Net loans and leases to total assets | 60.5236% | 2,360 |
| Net loans and leases to deposits | 70.2349% | 2,381 |
| Net loans and leases to core deposits | 73.6002% | 2,450 |
| Total domestic deposits to total assets | 86.1731% | 2,679 |
| Equity capital to assets | 13.5339% | 817 |
| Core capital (leverage) ratio | 12.7607% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,581,667 | 2,929 |
| Average earning assets | $209,669,333 | 2,907 |
| Average equity | $29,956,333 | 2,557 |
| Average total loans | $131,967,333 | 2,877 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3405% | 980 |
| Cost of funding earning assets | 0.5866% | 931 |
| Net interest margin | 3.7539% | 1,229 |
| Noninterest income to average assets | 0.3774% | 3,209 |
| Noninterest expense to average assets | 1.9342% | 3,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5485% | 1,219 |
| Return on assets (ROA) | 1.5514% | 1,280 |
| Pretax return on assets | 1.9816% | 976 |
| Return on Equity (ROE) | 11.4816% | 2,196 |
| Retained earnings to average equity (ytd only) | 11.4816% | 1,277 |
| Net charge-offs to loans | -0.1215% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7884% | 4,277 |
| Assets per employee ($millions) | 6.2295% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7775% | 907 |
| Loan loss allowance to noncurrent loans | 76.1307% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 513 |
| Noncurrent loans to loans | 2.3348% | 416 |
| Net loans and leases to total assets | 56.8195% | 2,942 |
| Net loans and leases to deposits | 65.7241% | 2,948 |
| Net loans and leases to core deposits | 69.4462% | 2,909 |
| Total domestic deposits to total assets | 86.4515% | 2,548 |
| Equity capital to assets | 13.2694% | 845 |
| Core capital (leverage) ratio | 12.8112% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $219,419,000 | 2,931 |
| Average earning assets | $206,612,000 | 2,921 |
| Average equity | $29,647,500 | 2,572 |
| Average total loans | $128,415,000 | 2,923 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0178% | 2,673 |
| Cost of funding earning assets | 0.8679% | 956 |
| Net interest margin | 3.1499% | 3,496 |
| Noninterest income to average assets | 0.3779% | 3,225 |
| Noninterest expense to average assets | 2.2899% | 3,432 |
| Loan and lease loss provision to assets | 0.4451% | 636 |
| Net operating income to assets | 0.5379% | 3,945 |
| Return on assets (ROA) | 0.6069% | 3,855 |
| Pretax return on assets | 0.7226% | 3,835 |
| Return on Equity (ROE) | 4.2643% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.4789% | 3,092 |
| Net charge-offs to loans | 0.5591% | 270 |
| Credit loss provision to net charge-offs | 126.7606% | 2,580 |
| Earnings coverage of net charge-offs (x) | 3.0915% | 3,113 |
| Efficiency ratio | 67.0037% | 2,365 |
| Assets per employee ($millions) | 5.9605% | 2,367 |
| Cash dividends to net income (ytd only)* | 18.4189% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7836% | 883 |
| Loan loss allowance to noncurrent loans | 88.3132% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 1.1963% | 725 |
| Noncurrent loans to loans | 2.0197% | 562 |
| Net loans and leases to total assets | 58.1763% | 3,067 |
| Net loans and leases to deposits | 67.7575% | 3,105 |
| Net loans and leases to core deposits | 71.8964% | 3,085 |
| Total domestic deposits to total assets | 85.8596% | 2,425 |
| Equity capital to assets | 13.7652% | 854 |
| Core capital (leverage) ratio | 12.8618% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $202,191,600 | 2,923 |
| Average earning assets | $192,420,400 | 2,887 |
| Average equity | $28,773,600 | 2,544 |
| Average total loans | $126,994,400 | 2,897 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 2,569 |
| Cost of funding earning assets | 0.9134% | 1,026 |
| Net interest margin | 3.2217% | 3,424 |
| Noninterest income to average assets | 0.3884% | 3,141 |
| Noninterest expense to average assets | 2.1323% | 3,869 |
| Loan and lease loss provision to assets | 0.6027% | 418 |
| Net operating income to assets | 0.6043% | 3,750 |
| Return on assets (ROA) | 0.6971% | 3,567 |
| Pretax return on assets | 0.8431% | 3,533 |
| Return on Equity (ROE) | 4.8560% | 3,931 |
| Retained earnings to average equity (ytd only) | 4.3288% | 2,881 |
| Net charge-offs to loans | 0.6521% | 217 |
| Credit loss provision to net charge-offs | 144.9275% | 2,357 |
| Earnings coverage of net charge-offs (x) | 3.2077% | 2,930 |
| Efficiency ratio | 60.6839% | 3,278 |
| Assets per employee ($millions) | 5.7362% | 2,513 |
| Cash dividends to net income (ytd only)* | 10.8549% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8974% | 590 |
| Loan loss allowance to noncurrent loans | 51.1174% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.2319% | 268 |
| Noncurrent loans to loans | 3.7118% | 193 |
| Net loans and leases to total assets | 58.9895% | 3,327 |
| Net loans and leases to deposits | 69.1596% | 3,385 |
| Net loans and leases to core deposits | 73.5736% | 3,350 |
| Total domestic deposits to total assets | 85.2946% | 2,321 |
| Equity capital to assets | 14.2589% | 794 |
| Core capital (leverage) ratio | 13.2248% | 898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,095,250 | 2,929 |
| Average earning assets | $190,206,500 | 2,893 |
| Average equity | $28,582,750 | 2,554 |
| Average total loans | $126,968,000 | 2,905 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 2,581 |
| Cost of funding earning assets | 0.9856% | 1,029 |
| Net interest margin | 3.2741% | 3,448 |
| Noninterest income to average assets | 0.4303% | 2,909 |
| Noninterest expense to average assets | 2.1401% | 3,949 |
| Loan and lease loss provision to assets | 0.5086% | 688 |
| Net operating income to assets | 0.7267% | 3,295 |
| Return on assets (ROA) | 0.8015% | 3,156 |
| Pretax return on assets | 1.0039% | 3,017 |
| Return on Equity (ROE) | 5.5698% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.5698% | 2,249 |
| Net charge-offs to loans | 0.8116% | 192 |
| Credit loss provision to net charge-offs | 96.3391% | 2,432 |
| Earnings coverage of net charge-offs (x) | 2.6879% | 2,744 |
| Efficiency ratio | 59.3312% | 3,511 |
| Assets per employee ($millions) | 5.9046% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5719% | 1,074 |
| Loan loss allowance to noncurrent loans | 48.9883% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.1589% | 310 |
| Noncurrent loans to loans | 3.2087% | 277 |
| Net loans and leases to total assets | 60.6245% | 3,250 |
| Net loans and leases to deposits | 70.5977% | 3,379 |
| Net loans and leases to core deposits | 74.5819% | 3,414 |
| Total domestic deposits to total assets | 85.8731% | 2,076 |
| Equity capital to assets | 13.7181% | 920 |
| Core capital (leverage) ratio | 13.3982% | 905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $196,626,000 | 2,926 |
| Average earning assets | $187,900,667 | 2,889 |
| Average equity | $28,295,333 | 2,566 |
| Average total loans | $127,900,333 | 2,882 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,649 |
| Cost of funding earning assets | 1.1208% | 987 |
| Net interest margin | 3.2713% | 3,663 |
| Noninterest income to average assets | 0.3371% | 3,502 |
| Noninterest expense to average assets | 2.1415% | 4,135 |
| Loan and lease loss provision to assets | 0.1060% | 2,360 |
| Net operating income to assets | 0.9630% | 2,306 |
| Return on assets (ROA) | 0.9647% | 2,400 |
| Pretax return on assets | 1.2107% | 2,156 |
| Return on Equity (ROE) | 6.5320% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.5320% | 1,702 |
| Net charge-offs to loans | -0.0285% | 4,457 |
| Credit loss provision to net charge-offs | -555.5556% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1043% | 3,601 |
| Assets per employee ($millions) | 5.3010% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 896 |
| Loan loss allowance to noncurrent loans | 91.9501% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 771 |
| Noncurrent loans to loans | 1.8346% | 815 |
| Net loans and leases to total assets | 65.2321% | 2,906 |
| Net loans and leases to deposits | 76.6046% | 3,021 |
| Net loans and leases to core deposits | 81.4242% | 3,070 |
| Total domestic deposits to total assets | 85.1543% | 2,352 |
| Equity capital to assets | 14.6345% | 850 |
| Core capital (leverage) ratio | 14.4334% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,656,000 | 2,968 |
| Average earning assets | $179,870,000 | 2,918 |
| Average equity | $27,863,000 | 2,587 |
| Average total loans | $126,388,000 | 2,883 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7835% | 2,093 |
| Cost of funding earning assets | 1.3716% | 614 |
| Net interest margin | 3.4120% | 3,714 |
| Noninterest income to average assets | 0.5419% | 2,525 |
| Noninterest expense to average assets | 2.5757% | 3,244 |
| Loan and lease loss provision to assets | 0.1953% | 1,039 |
| Net operating income to assets | 0.8449% | 3,403 |
| Return on assets (ROA) | 0.8604% | 3,448 |
| Pretax return on assets | 1.0397% | 3,360 |
| Return on Equity (ROE) | 5.7641% | 3,986 |
| Retained earnings to average equity (ytd only) | 4.9312% | 2,455 |
| Net charge-offs to loans | 0.4500% | 421 |
| Credit loss provision to net charge-offs | 62.3902% | 3,013 |
| Earnings coverage of net charge-offs (x) | 3.8858% | 3,280 |
| Efficiency ratio | 67.0971% | 2,605 |
| Assets per employee ($millions) | 5.1799% | 2,359 |
| Cash dividends to net income (ytd only)* | 14.4501% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 892 |
| Loan loss allowance to noncurrent loans | 79.8539% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.8587% | 454 |
| Noncurrent loans to loans | 2.0618% | 615 |
| Net loans and leases to total assets | 66.5376% | 2,891 |
| Net loans and leases to deposits | 78.3947% | 2,968 |
| Net loans and leases to core deposits | 83.9832% | 2,951 |
| Total domestic deposits to total assets | 84.8752% | 2,545 |
| Equity capital to assets | 14.9071% | 817 |
| Core capital (leverage) ratio | 14.1560% | 890 |
| Tier 1 risk-based capital ratio | 12.9028% | 3,840 |
| Total risk-based capital ratio | 13.8962% | 3,866 |
| Memoranda: | ||
| Average total assets | $181,776,400 | 3,005 |
| Average earning assets | $173,156,000 | 2,948 |
| Average equity | $27,133,400 | 2,552 |
| Average total loans | $126,455,200 | 2,861 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 2,085 |
| Cost of funding earning assets | 1.4027% | 580 |
| Net interest margin | 3.4079% | 3,847 |
| Noninterest income to average assets | 0.6054% | 2,174 |
| Noninterest expense to average assets | 2.3277% | 3,879 |
| Loan and lease loss provision to assets | 0.0628% | 2,641 |
| Net operating income to assets | 1.1635% | 2,324 |
| Return on assets (ROA) | 1.1842% | 2,333 |
| Pretax return on assets | 1.4891% | 1,988 |
| Return on Equity (ROE) | 7.9304% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.3717% | 1,682 |
| Net charge-offs to loans | 0.1286% | 1,233 |
| Credit loss provision to net charge-offs | 69.6721% | 2,624 |
| Earnings coverage of net charge-offs (x) | 16.9429% | 2,119 |
| Efficiency ratio | 59.5785% | 3,714 |
| Assets per employee ($millions) | 5.1388% | 2,408 |
| Cash dividends to net income (ytd only)* | 7.0448% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 725 |
| Loan loss allowance to noncurrent loans | 110.9252% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 894 |
| Noncurrent loans to loans | 1.5924% | 925 |
| Net loans and leases to total assets | 67.7597% | 2,821 |
| Net loans and leases to deposits | 80.1307% | 2,883 |
| Net loans and leases to core deposits | 86.0640% | 2,901 |
| Total domestic deposits to total assets | 84.5615% | 2,601 |
| Equity capital to assets | 15.1180% | 821 |
| Core capital (leverage) ratio | 14.6115% | 833 |
| Tier 1 risk-based capital ratio | 14.1608% | 3,247 |
| Total risk-based capital ratio | 15.3379% | 3,194 |
| Memoranda: | ||
| Average total assets | $180,601,750 | 3,037 |
| Average earning assets | $172,145,500 | 2,988 |
| Average equity | $26,967,250 | 2,578 |
| Average total loans | $126,530,750 | 2,893 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 2,054 |
| Cost of funding earning assets | 1.4249% | 486 |
| Net interest margin | 3.3770% | 3,966 |
| Noninterest income to average assets | 0.3450% | 3,625 |
| Noninterest expense to average assets | 2.3133% | 3,972 |
| Loan and lease loss provision to assets | 0.0112% | 3,533 |
| Net operating income to assets | 1.0008% | 2,918 |
| Return on assets (ROA) | 1.0205% | 2,927 |
| Pretax return on assets | 1.2705% | 2,670 |
| Return on Equity (ROE) | 6.8635% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.8635% | 1,869 |
| Net charge-offs to loans | 0.0872% | 1,491 |
| Credit loss provision to net charge-offs | 18.1818% | 2,667 |
| Earnings coverage of net charge-offs (x) | 20.4727% | 1,772 |
| Efficiency ratio | 63.8837% | 3,151 |
| Assets per employee ($millions) | 5.2683% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 746 |
| Loan loss allowance to noncurrent loans | 382.6235% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 2,346 |
| Noncurrent loans to loans | 0.4580% | 2,908 |
| Net loans and leases to total assets | 68.2953% | 2,777 |
| Net loans and leases to deposits | 80.3423% | 2,916 |
| Net loans and leases to core deposits | 85.5759% | 2,989 |
| Total domestic deposits to total assets | 85.0053% | 2,478 |
| Equity capital to assets | 14.8173% | 864 |
| Core capital (leverage) ratio | 14.3893% | 856 |
| Tier 1 risk-based capital ratio | 14.0661% | 3,284 |
| Total risk-based capital ratio | 15.2571% | 3,229 |
| Memoranda: | ||
| Average total assets | $179,136,330 | 3,067 |
| Average earning assets | $171,097,670 | 3,007 |
| Average equity | $26,633,670 | 2,591 |
| Average total loans | $126,171,670 | 2,913 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 2,022 |
| Cost of funding earning assets | 1.4188% | 428 |
| Net interest margin | 3.3446% | 4,047 |
| Noninterest income to average assets | 0.3354% | 3,620 |
| Noninterest expense to average assets | 2.3682% | 3,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9332% | 3,112 |
| Return on assets (ROA) | 0.9699% | 3,014 |
| Pretax return on assets | 1.1965% | 2,814 |
| Return on Equity (ROE) | 6.5121% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.5121% | 2,244 |
| Net charge-offs to loans | 0.0575% | 1,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 28.2222% | 1,366 |
| Efficiency ratio | 66.3876% | 2,882 |
| Assets per employee ($millions) | 5.0184% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 710 |
| Loan loss allowance to noncurrent loans | 239.5153% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 1.0080% | 1,389 |
| Noncurrent loans to loans | 0.7510% | 2,153 |
| Net loans and leases to total assets | 68.6896% | 2,662 |
| Net loans and leases to deposits | 80.7875% | 2,756 |
| Net loans and leases to core deposits | 86.1550% | 2,854 |
| Total domestic deposits to total assets | 85.0251% | 2,673 |
| Equity capital to assets | 14.7220% | 820 |
| Core capital (leverage) ratio | 14.4972% | 817 |
| Tier 1 risk-based capital ratio | 13.8777% | 3,405 |
| Total risk-based capital ratio | 15.0966% | 3,337 |
| Memoranda: | ||
| Average total assets | $176,508,500 | 3,125 |
| Average earning assets | $168,032,000 | 3,077 |
| Average equity | $26,289,500 | 2,619 |
| Average total loans | $125,169,000 | 2,961 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 2,025 |
| Cost of funding earning assets | 1.0385% | 644 |
| Net interest margin | 3.6005% | 3,380 |
| Noninterest income to average assets | 0.4260% | 3,271 |
| Noninterest expense to average assets | 2.6903% | 3,056 |
| Loan and lease loss provision to assets | 0.2802% | 592 |
| Net operating income to assets | 0.7395% | 4,004 |
| Return on assets (ROA) | 0.7351% | 4,022 |
| Pretax return on assets | 0.8844% | 3,934 |
| Return on Equity (ROE) | 4.8694% | 4,484 |
| Retained earnings to average equity (ytd only) | 4.2793% | 3,193 |
| Net charge-offs to loans | 0.0745% | 2,052 |
| Credit loss provision to net charge-offs | 527.7778% | 663 |
| Earnings coverage of net charge-offs (x) | 22.0333% | 1,919 |
| Efficiency ratio | 68.8216% | 2,416 |
| Assets per employee ($millions) | 4.7876% | 2,759 |
| Cash dividends to net income (ytd only)* | 12.1188% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 626 |
| Loan loss allowance to noncurrent loans | 258.2864% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1262% | 1,179 |
| Noncurrent loans to loans | 0.7155% | 2,199 |
| Net loans and leases to total assets | 70.5973% | 2,487 |
| Net loans and leases to deposits | 83.2299% | 2,599 |
| Net loans and leases to core deposits | 88.6433% | 2,686 |
| Total domestic deposits to total assets | 84.8220% | 2,718 |
| Equity capital to assets | 15.0747% | 694 |
| Core capital (leverage) ratio | 15.0100% | 691 |
| Tier 1 risk-based capital ratio | 13.8672% | 3,352 |
| Total risk-based capital ratio | 15.1169% | 3,280 |
| Memoranda: | ||
| Average total assets | $169,495,800 | 3,176 |
| Average earning assets | $161,672,800 | 3,124 |
| Average equity | $25,588,400 | 2,599 |
| Average total loans | $120,791,200 | 2,982 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,982 |
| Cost of funding earning assets | 1.0031% | 586 |
| Net interest margin | 3.5943% | 3,386 |
| Noninterest income to average assets | 0.4724% | 3,031 |
| Noninterest expense to average assets | 2.4497% | 3,735 |
| Loan and lease loss provision to assets | 0.3752% | 350 |
| Net operating income to assets | 0.8898% | 3,583 |
| Return on assets (ROA) | 0.8840% | 3,607 |
| Pretax return on assets | 1.0767% | 3,481 |
| Return on Equity (ROE) | 5.8531% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4608% | 2,980 |
| Net charge-offs to loans | 0.1133% | 1,365 |
| Credit loss provision to net charge-offs | 465.6863% | 742 |
| Earnings coverage of net charge-offs (x) | 18.1074% | 2,065 |
| Efficiency ratio | 61.8432% | 3,536 |
| Assets per employee ($millions) | 4.5910% | 2,990 |
| Cash dividends to net income (ytd only)* | 6.7026% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 637 |
| Loan loss allowance to noncurrent loans | 1,823.2000% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 2,025 |
| Noncurrent loans to loans | 0.1025% | 4,425 |
| Net loans and leases to total assets | 72.3727% | 2,278 |
| Net loans and leases to deposits | 85.9197% | 2,379 |
| Net loans and leases to core deposits | 91.1261% | 2,549 |
| Total domestic deposits to total assets | 84.2329% | 2,869 |
| Equity capital to assets | 15.5916% | 603 |
| Core capital (leverage) ratio | 15.1738% | 660 |
| Tier 1 risk-based capital ratio | 14.1852% | 3,277 |
| Total risk-based capital ratio | 15.4350% | 3,190 |
| Memoranda: | ||
| Average total assets | $168,781,000 | 3,210 |
| Average earning assets | $161,363,000 | 3,154 |
| Average equity | $25,490,000 | 2,617 |
| Average total loans | $119,996,750 | 3,020 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,993 |
| Cost of funding earning assets | 0.9815% | 510 |
| Net interest margin | 3.5503% | 3,470 |
| Noninterest income to average assets | 0.4590% | 3,099 |
| Noninterest expense to average assets | 2.4042% | 3,886 |
| Loan and lease loss provision to assets | 0.1824% | 981 |
| Net operating income to assets | 1.0348% | 2,874 |
| Return on assets (ROA) | 1.0262% | 2,917 |
| Pretax return on assets | 1.2627% | 2,660 |
| Return on Equity (ROE) | 6.8670% | 3,937 |
| Retained earnings to average equity (ytd only) | 6.8670% | 2,133 |
| Net charge-offs to loans | -0.0335% | 4,778 |
| Credit loss provision to net charge-offs | -775.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4634% | 3,698 |
| Assets per employee ($millions) | 4.6318% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 875 |
| Loan loss allowance to noncurrent loans | 114.9724% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 1,134 |
| Noncurrent loans to loans | 1.4949% | 1,124 |
| Net loans and leases to total assets | 71.3642% | 2,386 |
| Net loans and leases to deposits | 84.4903% | 2,484 |
| Net loans and leases to core deposits | 89.5394% | 2,610 |
| Total domestic deposits to total assets | 84.4644% | 2,887 |
| Equity capital to assets | 15.4391% | 602 |
| Core capital (leverage) ratio | 14.7486% | 729 |
| Tier 1 risk-based capital ratio | 14.1974% | 3,268 |
| Total risk-based capital ratio | 15.3715% | 3,223 |
| Memoranda: | ||
| Average total assets | $169,949,670 | 3,216 |
| Average earning assets | $162,805,000 | 3,151 |
| Average equity | $25,397,000 | 2,640 |
| Average total loans | $119,364,670 | 3,043 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 2,112 |
| Cost of funding earning assets | 0.9462% | 476 |
| Net interest margin | 3.4784% | 3,612 |
| Noninterest income to average assets | 0.4197% | 3,318 |
| Noninterest expense to average assets | 2.4039% | 3,932 |
| Loan and lease loss provision to assets | 0.0583% | 2,604 |
| Net operating income to assets | 1.1046% | 2,399 |
| Return on assets (ROA) | 1.0866% | 2,505 |
| Pretax return on assets | 1.2708% | 2,474 |
| Return on Equity (ROE) | 7.3899% | 3,636 |
| Retained earnings to average equity (ytd only) | 7.3899% | 2,110 |
| Net charge-offs to loans | 0.1046% | 1,155 |
| Credit loss provision to net charge-offs | 80.6452% | 1,745 |
| Earnings coverage of net charge-offs (x) | 18.6774% | 1,530 |
| Efficiency ratio | 63.2298% | 3,597 |
| Assets per employee ($millions) | 4.8580% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 1,168 |
| Loan loss allowance to noncurrent loans | 104.0526% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 1,159 |
| Noncurrent loans to loans | 1.5331% | 1,143 |
| Net loans and leases to total assets | 68.9320% | 2,641 |
| Net loans and leases to deposits | 81.1810% | 2,673 |
| Net loans and leases to core deposits | 85.7426% | 2,825 |
| Total domestic deposits to total assets | 84.9115% | 2,965 |
| Equity capital to assets | 14.9162% | 692 |
| Core capital (leverage) ratio | 14.5120% | 757 |
| Tier 1 risk-based capital ratio | 14.1154% | 3,321 |
| Total risk-based capital ratio | 15.1986% | 3,323 |
| Memoranda: | ||
| Average total assets | $171,551,500 | 3,232 |
| Average earning assets | $164,441,500 | 3,155 |
| Average equity | $25,223,500 | 2,673 |
| Average total loans | $118,508,000 | 3,085 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2768% | 2,405 |
| Cost of funding earning assets | 0.8742% | 429 |
| Net interest margin | 3.4026% | 3,849 |
| Noninterest income to average assets | 0.4070% | 3,590 |
| Noninterest expense to average assets | 2.6239% | 3,372 |
| Loan and lease loss provision to assets | 0.1197% | 1,911 |
| Net operating income to assets | 0.6497% | 3,823 |
| Return on assets (ROA) | 0.6578% | 3,828 |
| Pretax return on assets | 0.9313% | 3,806 |
| Return on Equity (ROE) | 4.4228% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.8151% | 2,932 |
| Net charge-offs to loans | 0.0863% | 2,231 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 17.3700% | 2,133 |
| Efficiency ratio | 70.6911% | 2,440 |
| Assets per employee ($millions) | 5.0904% | 2,369 |
| Cash dividends to net income (ytd only)* | 13.7398% | 3,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 1,102 |
| Loan loss allowance to noncurrent loans | 108.9143% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.2538% | 1,161 |
| Noncurrent loans to loans | 1.4842% | 1,151 |
| Net loans and leases to total assets | 67.0266% | 2,961 |
| Net loans and leases to deposits | 78.4804% | 3,066 |
| Net loans and leases to core deposits | 83.7630% | 3,076 |
| Total domestic deposits to total assets | 85.4056% | 2,690 |
| Equity capital to assets | 14.4939% | 781 |
| Core capital (leverage) ratio | 14.5214% | 728 |
| Tier 1 risk-based capital ratio | 13.9668% | 3,381 |
| Total risk-based capital ratio | 15.0549% | 3,381 |
| Memoranda: | ||
| Average total assets | $167,077,000 | 3,274 |
| Average earning assets | $159,908,800 | 3,201 |
| Average equity | $24,848,600 | 2,686 |
| Average total loans | $115,933,000 | 3,108 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,333 |
| Cost of funding earning assets | 0.8671% | 421 |
| Net interest margin | 3.4093% | 3,815 |
| Noninterest income to average assets | 0.4453% | 3,369 |
| Noninterest expense to average assets | 2.2732% | 4,370 |
| Loan and lease loss provision to assets | 0.0322% | 3,478 |
| Net operating income to assets | 1.0212% | 2,466 |
| Return on assets (ROA) | 1.0323% | 2,442 |
| Pretax return on assets | 1.4196% | 2,063 |
| Return on Equity (ROE) | 6.8952% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.4918% | 1,964 |
| Net charge-offs to loans | 0.0427% | 2,585 |
| Credit loss provision to net charge-offs | 108.1081% | 2,165 |
| Earnings coverage of net charge-offs (x) | 48.2183% | 1,139 |
| Efficiency ratio | 60.6251% | 4,113 |
| Assets per employee ($millions) | 4.6284% | 2,936 |
| Cash dividends to net income (ytd only)* | 5.8504% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 1,330 |
| Loan loss allowance to noncurrent loans | 81.7073% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.8513% | 729 |
| Noncurrent loans to loans | 1.9093% | 911 |
| Net loans and leases to total assets | 70.4645% | 2,491 |
| Net loans and leases to deposits | 83.9103% | 2,567 |
| Net loans and leases to core deposits | 90.2299% | 2,589 |
| Total domestic deposits to total assets | 83.9760% | 3,131 |
| Equity capital to assets | 15.7239% | 596 |
| Core capital (leverage) ratio | 14.8107% | 699 |
| Tier 1 risk-based capital ratio | 14.3806% | 3,250 |
| Total risk-based capital ratio | 15.4328% | 3,265 |
| Memoranda: | ||
| Average total assets | $165,578,000 | 3,319 |
| Average earning assets | $158,541,000 | 3,246 |
| Average equity | $24,789,500 | 2,705 |
| Average total loans | $115,438,500 | 3,144 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 2,456 |
| Cost of funding earning assets | 0.8462% | 413 |
| Net interest margin | 3.3584% | 3,916 |
| Noninterest income to average assets | 0.4401% | 3,420 |
| Noninterest expense to average assets | 2.2138% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0409% | 2,247 |
| Return on assets (ROA) | 1.0469% | 2,262 |
| Pretax return on assets | 1.4523% | 1,813 |
| Return on Equity (ROE) | 7.1085% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.1085% | 1,541 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8361% | 4,337 |
| Assets per employee ($millions) | 4.9280% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,359 |
| Loan loss allowance to noncurrent loans | 83.7274% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.7086% | 834 |
| Noncurrent loans to loans | 1.8634% | 947 |
| Net loans and leases to total assets | 66.0645% | 3,099 |
| Net loans and leases to deposits | 77.5552% | 3,157 |
| Net loans and leases to core deposits | 82.9274% | 3,179 |
| Total domestic deposits to total assets | 85.1838% | 2,739 |
| Equity capital to assets | 14.6081% | 799 |
| Core capital (leverage) ratio | 14.1445% | 819 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,052 |
| Total risk-based capital ratio | 15.8146% | 3,047 |
| Memoranda: | ||
| Average total assets | $166,772,330 | 3,322 |
| Average earning assets | $159,776,670 | 3,248 |
| Average equity | $24,562,000 | 2,732 |
| Average total loans | $115,265,330 | 3,154 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2277% | 2,176 |
| Cost of funding earning assets | 0.8150% | 445 |
| Net interest margin | 3.4127% | 3,611 |
| Noninterest income to average assets | 0.4368% | 3,403 |
| Noninterest expense to average assets | 2.1450% | 4,763 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1131% | 1,813 |
| Return on assets (ROA) | 1.1201% | 1,829 |
| Pretax return on assets | 1.5715% | 1,310 |
| Return on Equity (ROE) | 7.5727% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.5727% | 1,618 |
| Net charge-offs to loans | -0.0800% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 4,822 |
| Assets per employee ($millions) | 4.7024% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 1,358 |
| Loan loss allowance to noncurrent loans | 90.9950% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.7012% | 871 |
| Noncurrent loans to loans | 1.7666% | 1,074 |
| Net loans and leases to total assets | 68.0183% | 2,680 |
| Net loans and leases to deposits | 80.1943% | 2,725 |
| Net loans and leases to core deposits | 85.8694% | 2,728 |
| Total domestic deposits to total assets | 84.8170% | 3,161 |
| Equity capital to assets | 14.9145% | 672 |
| Core capital (leverage) ratio | 14.4270% | 736 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,289 |
| Total risk-based capital ratio | 15.4424% | 3,285 |
| Memoranda: | ||
| Average total assets | $163,918,500 | 3,385 |
| Average earning assets | $157,059,500 | 3,310 |
| Average equity | $24,245,000 | 2,770 |
| Average total loans | $115,021,000 | 3,182 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,864 |
| Cost of funding earning assets | 0.8899% | 316 |
| Net interest margin | 3.4958% | 3,446 |
| Noninterest income to average assets | 0.4380% | 3,631 |
| Noninterest expense to average assets | 2.5540% | 3,825 |
| Loan and lease loss provision to assets | 0.1896% | 1,237 |
| Net operating income to assets | 0.7294% | 3,643 |
| Return on assets (ROA) | 0.7561% | 3,628 |
| Pretax return on assets | 1.0253% | 3,384 |
| Return on Equity (ROE) | 5.1308% | 4,355 |
| Retained earnings to average equity (ytd only) | 4.1885% | 2,928 |
| Net charge-offs to loans | 0.3103% | 891 |
| Credit loss provision to net charge-offs | 88.5714% | 2,827 |
| Earnings coverage of net charge-offs (x) | 5.5057% | 3,328 |
| Efficiency ratio | 67.4861% | 3,349 |
| Assets per employee ($millions) | 4.5348% | 3,067 |
| Cash dividends to net income (ytd only)* | 18.3657% | 3,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5533% | 1,494 |
| Loan loss allowance to noncurrent loans | 152.5338% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,377 |
| Noncurrent loans to loans | 1.0184% | 2,053 |
| Net loans and leases to total assets | 70.1119% | 2,449 |
| Net loans and leases to deposits | 82.2635% | 2,636 |
| Net loans and leases to core deposits | 88.1010% | 2,663 |
| Total domestic deposits to total assets | 85.2284% | 2,948 |
| Equity capital to assets | 14.6663% | 696 |
| Core capital (leverage) ratio | 13.9749% | 822 |
| Tier 1 risk-based capital ratio | 13.9843% | 3,472 |
| Total risk-based capital ratio | 15.0654% | 3,480 |
| Memoranda: | ||
| Average total assets | $163,471,800 | 3,360 |
| Average earning assets | $154,069,200 | 3,321 |
| Average equity | $24,089,600 | 2,792 |
| Average total loans | $112,793,800 | 3,179 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,857 |
| Cost of funding earning assets | 0.8169% | 456 |
| Net interest margin | 3.5829% | 3,149 |
| Noninterest income to average assets | 0.4329% | 3,674 |
| Noninterest expense to average assets | 2.2177% | 4,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1066% | 1,965 |
| Return on assets (ROA) | 1.1374% | 1,960 |
| Pretax return on assets | 1.6242% | 1,321 |
| Return on Equity (ROE) | 7.7092% | 3,182 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,482 |
| Net charge-offs to loans | 0.1537% | 1,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 15.0229% | 2,207 |
| Efficiency ratio | 57.4710% | 4,894 |
| Assets per employee ($millions) | 4.6741% | 2,794 |
| Cash dividends to net income (ytd only)* | 5.4480% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 1,689 |
| Loan loss allowance to noncurrent loans | 187.8556% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 3,146 |
| Noncurrent loans to loans | 0.8096% | 2,641 |
| Net loans and leases to total assets | 67.9618% | 2,807 |
| Net loans and leases to deposits | 80.9760% | 2,857 |
| Net loans and leases to core deposits | 86.7164% | 2,887 |
| Total domestic deposits to total assets | 83.9283% | 3,229 |
| Equity capital to assets | 15.1774% | 695 |
| Core capital (leverage) ratio | 14.5970% | 700 |
| Tier 1 risk-based capital ratio | 14.4535% | 3,308 |
| Total risk-based capital ratio | 15.4937% | 3,361 |
| Memoranda: | ||
| Average total assets | $163,526,750 | 3,377 |
| Average earning assets | $153,577,500 | 3,341 |
| Average equity | $24,126,250 | 2,808 |
| Average total loans | $111,926,000 | 3,199 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4384% | 1,715 |
| Cost of funding earning assets | 0.8057% | 478 |
| Net interest margin | 3.6327% | 2,967 |
| Noninterest income to average assets | 0.4269% | 3,679 |
| Noninterest expense to average assets | 2.2275% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1121% | 1,917 |
| Return on assets (ROA) | 1.1584% | 1,853 |
| Pretax return on assets | 1.6574% | 1,201 |
| Return on Equity (ROE) | 7.9273% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.9273% | 1,194 |
| Net charge-offs to loans | -0.2581% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3991% | 4,983 |
| Assets per employee ($millions) | 4.7278% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 1,131 |
| Loan loss allowance to noncurrent loans | 327.8418% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 3,628 |
| Noncurrent loans to loans | 0.5410% | 3,452 |
| Net loans and leases to total assets | 66.6082% | 2,998 |
| Net loans and leases to deposits | 79.0978% | 3,043 |
| Net loans and leases to core deposits | 84.3936% | 3,046 |
| Total domestic deposits to total assets | 84.2100% | 3,191 |
| Equity capital to assets | 14.7989% | 784 |
| Core capital (leverage) ratio | 13.8701% | 859 |
| Tier 1 risk-based capital ratio | 14.4065% | 3,376 |
| Total risk-based capital ratio | 15.6276% | 3,313 |
| Memoranda: | ||
| Average total assets | $163,505,000 | 3,393 |
| Average earning assets | $152,667,330 | 3,375 |
| Average equity | $23,892,000 | 2,842 |
| Average total loans | $111,602,330 | 3,216 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 1,617 |
| Cost of funding earning assets | 0.7877% | 522 |
| Net interest margin | 3.6758% | 2,779 |
| Noninterest income to average assets | 0.4233% | 3,660 |
| Noninterest expense to average assets | 2.2274% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1866% | 1,603 |
| Return on assets (ROA) | 1.2823% | 1,386 |
| Pretax return on assets | 1.7745% | 888 |
| Return on Equity (ROE) | 8.8328% | 2,503 |
| Retained earnings to average equity (ytd only) | 8.8328% | 1,165 |
| Net charge-offs to loans | -0.6792% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6794% | 5,131 |
| Assets per employee ($millions) | 5.0153% | 2,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8210% | 1,114 |
| Loan loss allowance to noncurrent loans | 290.2996% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6704% | 3,046 |
| Noncurrent loans to loans | 0.6273% | 3,286 |
| Net loans and leases to total assets | 68.3615% | 2,603 |
| Net loans and leases to deposits | 81.3787% | 2,620 |
| Net loans and leases to core deposits | 86.5164% | 2,703 |
| Total domestic deposits to total assets | 84.0041% | 3,518 |
| Equity capital to assets | 14.8862% | 716 |
| Core capital (leverage) ratio | 14.1421% | 781 |
| Tier 1 risk-based capital ratio | 14.4128% | 3,438 |
| Total risk-based capital ratio | 15.6630% | 3,374 |
| Memoranda: | ||
| Average total assets | $162,521,500 | 3,420 |
| Average earning assets | $152,348,500 | 3,385 |
| Average equity | $23,594,000 | 2,865 |
| Average total loans | $111,299,500 | 3,223 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,283 |
| Cost of funding earning assets | 0.7501% | 640 |
| Net interest margin | 3.5294% | 3,414 |
| Noninterest income to average assets | 0.8736% | 1,518 |
| Noninterest expense to average assets | 2.7330% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0592% | 2,086 |
| Return on assets (ROA) | 1.0631% | 2,151 |
| Pretax return on assets | 1.4999% | 1,556 |
| Return on Equity (ROE) | 7.7388% | 3,112 |
| Retained earnings to average equity (ytd only) | 6.7321% | 1,415 |
| Net charge-offs to loans | 0.0390% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 62.8974% | 843 |
| Efficiency ratio | 63.6835% | 4,333 |
| Assets per employee ($millions) | 4.8398% | 2,545 |
| Cash dividends to net income (ytd only)* | 13.0086% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 1,438 |
| Loan loss allowance to noncurrent loans | 1,619.2982% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 4,398 |
| Noncurrent loans to loans | 0.1028% | 5,087 |
| Net loans and leases to total assets | 66.2429% | 2,951 |
| Net loans and leases to deposits | 78.0060% | 3,054 |
| Net loans and leases to core deposits | 82.7361% | 3,073 |
| Total domestic deposits to total assets | 84.9203% | 3,131 |
| Equity capital to assets | 14.1578% | 880 |
| Core capital (leverage) ratio | 13.4718% | 980 |
| Tier 1 risk-based capital ratio | 14.3042% | 3,545 |
| Total risk-based capital ratio | 15.4742% | 3,505 |
| Memoranda: | ||
| Average total assets | $164,142,400 | 3,382 |
| Average earning assets | $155,976,800 | 3,315 |
| Average equity | $22,548,800 | 2,918 |
| Average total loans | $100,118,800 | 3,385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 2,167 |
| Cost of funding earning assets | 0.7531% | 636 |
| Net interest margin | 3.5676% | 3,279 |
| Noninterest income to average assets | 0.7819% | 1,876 |
| Noninterest expense to average assets | 2.4498% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1671% | 1,768 |
| Return on assets (ROA) | 1.1720% | 1,817 |
| Pretax return on assets | 1.7394% | 1,011 |
| Return on Equity (ROE) | 8.5978% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.1506% | 1,188 |
| Net charge-offs to loans | -0.6965% | 6,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7454% | 5,154 |
| Assets per employee ($millions) | 4.7160% | 2,671 |
| Cash dividends to net income (ytd only)* | 5.2012% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4185% | 489 |
| Loan loss allowance to noncurrent loans | 364.9390% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 1,844 |
| Noncurrent loans to loans | 0.6627% | 3,345 |
| Net loans and leases to total assets | 60.2411% | 3,852 |
| Net loans and leases to deposits | 71.3206% | 3,840 |
| Net loans and leases to core deposits | 75.7153% | 3,827 |
| Total domestic deposits to total assets | 84.4653% | 3,234 |
| Equity capital to assets | 14.4028% | 886 |
| Core capital (leverage) ratio | 13.6465% | 960 |
| Tier 1 risk-based capital ratio | 14.8113% | 3,382 |
| Total risk-based capital ratio | 16.0650% | 3,325 |
| Memoranda: | ||
| Average total assets | $164,040,000 | 3,416 |
| Average earning assets | $156,329,250 | 3,340 |
| Average equity | $22,361,750 | 2,949 |
| Average total loans | $97,436,000 | 3,459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,219 |
| Cost of funding earning assets | 0.7554% | 630 |
| Net interest margin | 3.2607% | 4,447 |
| Noninterest income to average assets | 0.4344% | 3,818 |
| Noninterest expense to average assets | 2.4299% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8102% | 3,326 |
| Return on assets (ROA) | 0.8120% | 3,427 |
| Pretax return on assets | 1.1097% | 3,129 |
| Return on Equity (ROE) | 6.0675% | 4,096 |
| Retained earnings to average equity (ytd only) | 6.0675% | 2,202 |
| Net charge-offs to loans | 0.5138% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.6747% | 3,156 |
| Efficiency ratio | 68.6965% | 3,555 |
| Assets per employee ($millions) | 4.8450% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6593% | 1,716 |
| Loan loss allowance to noncurrent loans | 166.2602% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 1.4399% | 1,733 |
| Noncurrent loans to loans | 0.9980% | 2,647 |
| Net loans and leases to total assets | 58.8584% | 4,000 |
| Net loans and leases to deposits | 68.8637% | 4,047 |
| Net loans and leases to core deposits | 73.0733% | 4,035 |
| Total domestic deposits to total assets | 85.4709% | 2,936 |
| Equity capital to assets | 13.5184% | 1,164 |
| Core capital (leverage) ratio | 12.4439% | 1,407 |
| Tier 1 risk-based capital ratio | 10.6700% | 5,852 |
| Total risk-based capital ratio | 11.4892% | 5,959 |
| Memoranda: | ||
| Average total assets | $165,272,000 | 3,415 |
| Average earning assets | $157,268,330 | 3,342 |
| Average equity | $22,117,670 | 2,982 |
| Average total loans | $96,919,000 | 3,491 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 3,198 |
| Cost of funding earning assets | 0.7604% | 618 |
| Net interest margin | 3.2500% | 4,419 |
| Noninterest income to average assets | 0.3721% | 4,229 |
| Noninterest expense to average assets | 2.2447% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8761% | 2,867 |
| Return on assets (ROA) | 0.8795% | 2,970 |
| Pretax return on assets | 1.2202% | 2,585 |
| Return on Equity (ROE) | 6.6056% | 3,711 |
| Retained earnings to average equity (ytd only) | 6.6056% | 2,190 |
| Net charge-offs to loans | 0.9492% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.2061% | 2,806 |
| Efficiency ratio | 64.8743% | 4,335 |
| Assets per employee ($millions) | 5.0543% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7553% | 1,604 |
| Loan loss allowance to noncurrent loans | 212.7086% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 1,957 |
| Noncurrent loans to loans | 0.8252% | 3,180 |
| Net loans and leases to total assets | 55.6037% | 4,247 |
| Net loans and leases to deposits | 64.9479% | 4,276 |
| Net loans and leases to core deposits | 68.6904% | 4,269 |
| Total domestic deposits to total assets | 85.6127% | 3,131 |
| Equity capital to assets | 13.3483% | 1,240 |
| Core capital (leverage) ratio | 12.6361% | 1,299 |
| Tier 1 risk-based capital ratio | 10.5190% | 6,005 |
| Total risk-based capital ratio | 11.3443% | 6,090 |
| Memoranda: | ||
| Average total assets | $165,542,500 | 3,432 |
| Average earning assets | $157,294,500 | 3,358 |
| Average equity | $22,042,000 | 3,014 |
| Average total loans | $96,081,500 | 3,520 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,726 |
| Cost of funding earning assets | 0.8973% | 395 |
| Net interest margin | 3.3661% | 4,349 |
| Noninterest income to average assets | 0.3400% | 4,674 |
| Noninterest expense to average assets | 2.3516% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8400% | 3,177 |
| Return on assets (ROA) | 0.8524% | 3,203 |
| Pretax return on assets | 1.1740% | 2,764 |
| Return on Equity (ROE) | 5.7263% | 4,296 |
| Retained earnings to average equity (ytd only) | 5.0141% | 2,589 |
| Net charge-offs to loans | -0.0733% | 6,033 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0226% | 4,053 |
| Assets per employee ($millions) | 5.1341% | 2,146 |
| Cash dividends to net income (ytd only)* | 12.4378% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 1,248 |
| Loan loss allowance to noncurrent loans | 91.2391% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6939% | 1,578 |
| Noncurrent loans to loans | 2.1133% | 1,291 |
| Net loans and leases to total assets | 58.3583% | 4,009 |
| Net loans and leases to deposits | 68.0381% | 4,123 |
| Net loans and leases to core deposits | 72.0037% | 4,121 |
| Total domestic deposits to total assets | 85.7729% | 2,957 |
| Equity capital to assets | 13.2812% | 1,235 |
| Core capital (leverage) ratio | 13.4619% | 981 |
| Tier 1 risk-based capital ratio | 12.6411% | 4,950 |
| Total risk-based capital ratio | 13.6442% | 5,019 |
| Memoranda: | ||
| Average total assets | $141,481,000 | 3,769 |
| Average earning assets | $133,180,600 | 3,702 |
| Average equity | $21,060,800 | 3,047 |
| Average total loans | $84,603,000 | 3,752 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,545 |
| Cost of funding earning assets | 0.9190% | 374 |
| Net interest margin | 3.4007% | 4,242 |
| Noninterest income to average assets | 0.3437% | 4,687 |
| Noninterest expense to average assets | 2.0916% | 5,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0344% | 2,308 |
| Return on assets (ROA) | 1.0507% | 2,294 |
| Pretax return on assets | 1.4651% | 1,754 |
| Return on Equity (ROE) | 6.8355% | 3,795 |
| Retained earnings to average equity (ytd only) | 6.3563% | 2,188 |
| Net charge-offs to loans | 0.1312% | 2,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 18.3632% | 1,845 |
| Efficiency ratio | 59.1831% | 5,290 |
| Assets per employee ($millions) | 5.3037% | 1,899 |
| Cash dividends to net income (ytd only)* | 7.0095% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1377% | 1,039 |
| Loan loss allowance to noncurrent loans | 65.5263% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 1,027 |
| Noncurrent loans to loans | 3.2623% | 770 |
| Net loans and leases to total assets | 57.8661% | 4,090 |
| Net loans and leases to deposits | 70.5389% | 3,856 |
| Net loans and leases to core deposits | 75.7830% | 3,770 |
| Total domestic deposits to total assets | 82.0343% | 4,465 |
| Equity capital to assets | 15.6741% | 610 |
| Core capital (leverage) ratio | 16.1285% | 460 |
| Tier 1 risk-based capital ratio | 15.0194% | 3,570 |
| Total risk-based capital ratio | 15.9905% | 3,683 |
| Memoranda: | ||
| Average total assets | $135,778,250 | 3,904 |
| Average earning assets | $127,380,750 | 3,844 |
| Average equity | $20,871,000 | 3,078 |
| Average total loans | $81,313,000 | 3,868 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 2,516 |
| Cost of funding earning assets | 0.9352% | 341 |
| Net interest margin | 3.3864% | 4,231 |
| Noninterest income to average assets | 0.1940% | 5,802 |
| Noninterest expense to average assets | 2.0433% | 5,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9583% | 2,516 |
| Return on assets (ROA) | 0.9832% | 2,472 |
| Pretax return on assets | 1.3533% | 2,073 |
| Return on Equity (ROE) | 6.4393% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.4393% | 2,072 |
| Net charge-offs to loans | 0.2142% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.2414% | 2,270 |
| Efficiency ratio | 60.7662% | 5,180 |
| Assets per employee ($millions) | 5.1216% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 1,081 |
| Loan loss allowance to noncurrent loans | 111.1396% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 2.9723% | 858 |
| Noncurrent loans to loans | 1.9393% | 1,753 |
| Net loans and leases to total assets | 59.1832% | 3,834 |
| Net loans and leases to deposits | 71.3682% | 3,654 |
| Net loans and leases to core deposits | 76.7999% | 3,550 |
| Total domestic deposits to total assets | 82.9267% | 4,333 |
| Equity capital to assets | 15.9258% | 567 |
| Core capital (leverage) ratio | 15.7649% | 510 |
| Tier 1 risk-based capital ratio | 15.0062% | 3,642 |
| Total risk-based capital ratio | 15.9817% | 3,741 |
| Memoranda: | ||
| Average total assets | $135,072,330 | 3,939 |
| Average earning assets | $126,388,670 | 3,882 |
| Average equity | $20,623,330 | 3,104 |
| Average total loans | $81,238,000 | 3,871 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2616% | 2,660 |
| Cost of funding earning assets | 0.9309% | 384 |
| Net interest margin | 3.3306% | 4,418 |
| Noninterest income to average assets | -0.0706% | 6,655 |
| Noninterest expense to average assets | 1.8996% | 6,064 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8420% | 2,943 |
| Return on assets (ROA) | 0.8616% | 2,912 |
| Pretax return on assets | 1.1703% | 2,615 |
| Return on Equity (ROE) | 5.7645% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.7645% | 2,662 |
| Net charge-offs to loans | 0.0147% | 3,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 129.6667% | 378 |
| Efficiency ratio | 62.4155% | 5,070 |
| Assets per employee ($millions) | 5.0525% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2915% | 1,042 |
| Loan loss allowance to noncurrent loans | 122.0657% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 3.3966% | 778 |
| Noncurrent loans to loans | 1.8773% | 2,029 |
| Net loans and leases to total assets | 59.0743% | 3,690 |
| Net loans and leases to deposits | 71.0494% | 3,472 |
| Net loans and leases to core deposits | 76.5036% | 3,361 |
| Total domestic deposits to total assets | 83.1454% | 4,555 |
| Equity capital to assets | 15.6739% | 575 |
| Core capital (leverage) ratio | 15.3731% | 558 |
| Tier 1 risk-based capital ratio | 14.8031% | 3,812 |
| Total risk-based capital ratio | 15.7856% | 3,938 |
| Memoranda: | ||
| Average total assets | $136,028,000 | 3,959 |
| Average earning assets | $127,183,500 | 3,903 |
| Average equity | $20,331,500 | 3,132 |
| Average total loans | $81,584,500 | 3,894 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,358 |
| Cost of funding earning assets | 0.8793% | 819 |
| Net interest margin | 3.5810% | 3,549 |
| Noninterest income to average assets | 0.4347% | 4,198 |
| Noninterest expense to average assets | 2.2277% | 5,561 |
| Loan and lease loss provision to assets | 0.4701% | 602 |
| Net operating income to assets | 0.7952% | 3,313 |
| Return on assets (ROA) | 0.7995% | 3,394 |
| Pretax return on assets | 1.1274% | 2,859 |
| Return on Equity (ROE) | 5.2869% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.5359% | 2,942 |
| Net charge-offs to loans | 0.9788% | 606 |
| Credit loss provision to net charge-offs | 75.8495% | 3,146 |
| Earnings coverage of net charge-offs (x) | 2.5680% | 4,148 |
| Efficiency ratio | 58.3301% | 5,695 |
| Assets per employee ($millions) | 5.6276% | 1,541 |
| Cash dividends to net income (ytd only)* | 14.2051% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1768% | 1,209 |
| Loan loss allowance to noncurrent loans | 165.5767% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 3.4238% | 870 |
| Noncurrent loans to loans | 1.3147% | 2,938 |
| Net loans and leases to total assets | 58.2290% | 4,000 |
| Net loans and leases to deposits | 68.7591% | 3,946 |
| Net loans and leases to core deposits | 73.2312% | 3,923 |
| Total domestic deposits to total assets | 84.6856% | 3,894 |
| Equity capital to assets | 14.2674% | 838 |
| Core capital (leverage) ratio | 15.4925% | 543 |
| Tier 1 risk-based capital ratio | 14.0535% | 4,264 |
| Total risk-based capital ratio | 15.0476% | 4,386 |
| Memoranda: | ||
| Average total assets | $132,961,000 | 4,014 |
| Average earning assets | $125,663,800 | 3,932 |
| Average equity | $20,106,400 | 3,143 |
| Average total loans | $84,183,000 | 3,821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 2,139 |
| Cost of funding earning assets | 0.8838% | 889 |
| Net interest margin | 3.6405% | 3,279 |
| Noninterest income to average assets | 0.5159% | 3,702 |
| Noninterest expense to average assets | 1.9435% | 6,110 |
| Loan and lease loss provision to assets | 0.3816% | 812 |
| Net operating income to assets | 1.1610% | 1,772 |
| Return on assets (ROA) | 1.1610% | 1,837 |
| Pretax return on assets | 1.6444% | 1,230 |
| Return on Equity (ROE) | 7.5631% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.0660% | 1,840 |
| Net charge-offs to loans | 0.7497% | 796 |
| Credit loss provision to net charge-offs | 79.1139% | 2,867 |
| Earnings coverage of net charge-offs (x) | 4.2004% | 3,508 |
| Efficiency ratio | 48.9618% | 6,454 |
| Assets per employee ($millions) | 4.9698% | 2,205 |
| Cash dividends to net income (ytd only)* | 6.5733% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3283% | 1,138 |
| Loan loss allowance to noncurrent loans | 44.0550% | 5,477 |
| Noncurrent assets plus other real estate owned to assets | 4.6441% | 632 |
| Noncurrent loans to loans | 5.2850% | 538 |
| Net loans and leases to total assets | 64.9282% | 2,818 |
| Net loans and leases to deposits | 78.8694% | 2,545 |
| Net loans and leases to core deposits | 84.5128% | 2,596 |
| Total domestic deposits to total assets | 82.3236% | 4,818 |
| Equity capital to assets | 16.3347% | 493 |
| Core capital (leverage) ratio | 15.9118% | 504 |
| Tier 1 risk-based capital ratio | 14.7817% | 3,888 |
| Total risk-based capital ratio | 15.7664% | 4,020 |
| Memoranda: | ||
| Average total assets | $131,028,500 | 4,087 |
| Average earning assets | $124,303,250 | 3,997 |
| Average equity | $20,114,750 | 3,176 |
| Average total loans | $84,292,250 | 3,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4712% | 2,299 |
| Cost of funding earning assets | 0.8800% | 987 |
| Net interest margin | 3.5912% | 3,395 |
| Noninterest income to average assets | 0.4021% | 4,512 |
| Noninterest expense to average assets | 1.9131% | 6,197 |
| Loan and lease loss provision to assets | 0.2626% | 1,410 |
| Net operating income to assets | 1.0608% | 2,074 |
| Return on assets (ROA) | 1.0608% | 2,189 |
| Pretax return on assets | 1.6310% | 1,272 |
| Return on Equity (ROE) | 7.0507% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.0507% | 1,870 |
| Net charge-offs to loans | 0.3936% | 1,641 |
| Credit loss provision to net charge-offs | 104.7904% | 2,109 |
| Earnings coverage of net charge-offs (x) | 7.5569% | 2,530 |
| Efficiency ratio | 50.2562% | 6,409 |
| Assets per employee ($millions) | 5.3009% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4202% | 1,070 |
| Loan loss allowance to noncurrent loans | 72.4741% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.6252% | 1,594 |
| Noncurrent loans to loans | 3.3394% | 1,298 |
| Net loans and leases to total assets | 61.7611% | 3,336 |
| Net loans and leases to deposits | 73.9813% | 3,162 |
| Net loans and leases to core deposits | 79.0296% | 3,163 |
| Total domestic deposits to total assets | 83.4820% | 4,513 |
| Equity capital to assets | 15.2511% | 665 |
| Core capital (leverage) ratio | 14.9313% | 623 |
| Tier 1 risk-based capital ratio | 14.4163% | 4,151 |
| Total risk-based capital ratio | 15.4098% | 4,277 |
| Memoranda: | ||
| Average total assets | $133,289,670 | 4,074 |
| Average earning assets | $126,363,000 | 3,978 |
| Average equity | $20,054,670 | 3,202 |
| Average total loans | $84,858,670 | 3,857 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 2,241 |
| Cost of funding earning assets | 0.8920% | 1,024 |
| Net interest margin | 3.5868% | 3,312 |
| Noninterest income to average assets | 0.4010% | 4,448 |
| Noninterest expense to average assets | 1.9570% | 6,190 |
| Loan and lease loss provision to assets | 0.1496% | 2,378 |
| Net operating income to assets | 1.1940% | 1,539 |
| Return on assets (ROA) | 1.1940% | 1,648 |
| Pretax return on assets | 1.6997% | 1,075 |
| Return on Equity (ROE) | 7.9894% | 2,977 |
| Retained earnings to average equity (ytd only) | 7.9894% | 1,753 |
| Net charge-offs to loans | 0.4733% | 1,263 |
| Credit loss provision to net charge-offs | 49.5050% | 2,610 |
| Earnings coverage of net charge-offs (x) | 6.1188% | 2,272 |
| Efficiency ratio | 51.4151% | 6,417 |
| Assets per employee ($millions) | 5.2218% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3750% | 1,287 |
| Loan loss allowance to noncurrent loans | 75.4883% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.5899% | 1,768 |
| Noncurrent loans to loans | 3.1462% | 1,572 |
| Net loans and leases to total assets | 62.0614% | 3,049 |
| Net loans and leases to deposits | 74.4671% | 2,861 |
| Net loans and leases to core deposits | 79.3718% | 2,882 |
| Total domestic deposits to total assets | 83.3406% | 4,738 |
| Equity capital to assets | 15.4307% | 654 |
| Core capital (leverage) ratio | 14.7048% | 633 |
| Tier 1 risk-based capital ratio | 14.3549% | 4,264 |
| Total risk-based capital ratio | 15.3497% | 4,392 |
| Memoranda: | ||
| Average total assets | $133,673,500 | 4,106 |
| Average earning assets | $126,911,000 | 4,003 |
| Average equity | $19,976,500 | 3,252 |
| Average total loans | $85,349,500 | 3,859 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 2,019 |
| Cost of funding earning assets | 1.0881% | 948 |
| Net interest margin | 3.7616% | 3,385 |
| Noninterest income to average assets | 0.6590% | 2,945 |
| Noninterest expense to average assets | 2.3637% | 5,518 |
| Loan and lease loss provision to assets | 0.7403% | 685 |
| Net operating income to assets | 0.8500% | 3,044 |
| Return on assets (ROA) | 0.8500% | 3,294 |
| Pretax return on assets | 1.1247% | 3,067 |
| Return on Equity (ROE) | 5.7027% | 4,303 |
| Retained earnings to average equity (ytd only) | 4.7351% | 2,892 |
| Net charge-offs to loans | 0.6969% | 1,698 |
| Credit loss provision to net charge-offs | 160.2990% | 1,678 |
| Earnings coverage of net charge-offs (x) | 4.0382% | 3,504 |
| Efficiency ratio | 55.8962% | 6,069 |
| Assets per employee ($millions) | 5.7001% | 1,518 |
| Cash dividends to net income (ytd only)* | 16.9675% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,357 |
| Loan loss allowance to noncurrent loans | 67.4900% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 2.7829% | 1,725 |
| Noncurrent loans to loans | 3.4158% | 1,469 |
| Net loans and leases to total assets | 62.6365% | 3,143 |
| Net loans and leases to deposits | 74.2241% | 3,056 |
| Net loans and leases to core deposits | 78.1932% | 3,232 |
| Total domestic deposits to total assets | 84.3884% | 4,134 |
| Equity capital to assets | 14.4801% | 882 |
| Core capital (leverage) ratio | 14.6913% | 628 |
| Tier 1 risk-based capital ratio | 13.7048% | 4,598 |
| Total risk-based capital ratio | 14.7219% | 4,730 |
| Memoranda: | ||
| Average total assets | $130,347,200 | 4,141 |
| Average earning assets | $123,696,400 | 4,027 |
| Average equity | $19,429,400 | 3,269 |
| Average total loans | $86,383,400 | 3,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 1,794 |
| Cost of funding earning assets | 1.1296% | 944 |
| Net interest margin | 3.8337% | 3,186 |
| Noninterest income to average assets | 0.7612% | 2,421 |
| Noninterest expense to average assets | 2.0983% | 6,170 |
| Loan and lease loss provision to assets | 0.9321% | 461 |
| Net operating income to assets | 1.0046% | 2,478 |
| Return on assets (ROA) | 1.0046% | 2,707 |
| Pretax return on assets | 1.3723% | 2,332 |
| Return on Equity (ROE) | 6.6891% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1719% | 2,584 |
| Net charge-offs to loans | 0.6709% | 1,639 |
| Credit loss provision to net charge-offs | 207.8522% | 1,329 |
| Earnings coverage of net charge-offs (x) | 5.1386% | 3,100 |
| Efficiency ratio | 47.6594% | 6,736 |
| Assets per employee ($millions) | 5.3431% | 1,791 |
| Cash dividends to net income (ytd only)* | 7.7322% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4436% | 1,279 |
| Loan loss allowance to noncurrent loans | 172.8455% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 1.6345% | 3,137 |
| Noncurrent loans to loans | 1.4137% | 3,682 |
| Net loans and leases to total assets | 66.1892% | 2,619 |
| Net loans and leases to deposits | 79.6070% | 2,457 |
| Net loans and leases to core deposits | 83.9253% | 2,706 |
| Total domestic deposits to total assets | 83.1449% | 4,584 |
| Equity capital to assets | 15.4436% | 715 |
| Core capital (leverage) ratio | 14.8986% | 628 |
| Tier 1 risk-based capital ratio | 14.0672% | 4,481 |
| Total risk-based capital ratio | 15.0972% | 4,610 |
| Memoranda: | ||
| Average total assets | $128,733,500 | 4,217 |
| Average earning assets | $122,279,250 | 4,099 |
| Average equity | $19,334,500 | 3,313 |
| Average total loans | $86,051,750 | 3,887 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9859% | 1,824 |
| Cost of funding earning assets | 1.1634% | 968 |
| Net interest margin | 3.8225% | 3,252 |
| Noninterest income to average assets | 0.9341% | 1,665 |
| Noninterest expense to average assets | 2.1102% | 6,212 |
| Loan and lease loss provision to assets | 1.1575% | 363 |
| Net operating income to assets | 0.9527% | 2,651 |
| Return on assets (ROA) | 0.9527% | 2,903 |
| Pretax return on assets | 1.2909% | 2,594 |
| Return on Equity (ROE) | 6.4032% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.4032% | 2,439 |
| Net charge-offs to loans | 1.3483% | 773 |
| Credit loss provision to net charge-offs | 129.0657% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.7301% | 3,646 |
| Efficiency ratio | 46.2900% | 6,874 |
| Assets per employee ($millions) | 5.2750% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1480% | 1,893 |
| Loan loss allowance to noncurrent loans | 157.2289% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 1.5300% | 3,406 |
| Noncurrent loans to loans | 1.3661% | 3,872 |
| Net loans and leases to total assets | 65.7420% | 2,721 |
| Net loans and leases to deposits | 79.0093% | 2,523 |
| Net loans and leases to core deposits | 83.1385% | 2,808 |
| Total domestic deposits to total assets | 83.2079% | 4,673 |
| Equity capital to assets | 15.4185% | 695 |
| Core capital (leverage) ratio | 14.1510% | 764 |
| Tier 1 risk-based capital ratio | 14.2376% | 4,276 |
| Total risk-based capital ratio | 15.2760% | 4,390 |
| Memoranda: | ||
| Average total assets | $128,900,000 | 4,232 |
| Average earning assets | $122,223,670 | 4,117 |
| Average equity | $19,178,000 | 3,332 |
| Average total loans | $85,734,670 | 3,916 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9195% | 2,169 |
| Cost of funding earning assets | 1.1950% | 1,015 |
| Net interest margin | 3.7245% | 3,713 |
| Noninterest income to average assets | 0.7351% | 2,467 |
| Noninterest expense to average assets | 2.1376% | 6,182 |
| Loan and lease loss provision to assets | 1.2026% | 317 |
| Net operating income to assets | 0.7197% | 3,784 |
| Return on assets (ROA) | 0.7197% | 4,006 |
| Pretax return on assets | 0.9227% | 3,959 |
| Return on Equity (ROE) | 4.9245% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.9245% | 3,602 |
| Net charge-offs to loans | 0.5670% | 1,671 |
| Credit loss provision to net charge-offs | 320.4918% | 934 |
| Earnings coverage of net charge-offs (x) | 5.6639% | 2,320 |
| Efficiency ratio | 50.1443% | 6,667 |
| Assets per employee ($millions) | 5.4647% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2728% | 1,730 |
| Loan loss allowance to noncurrent loans | 76.8434% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 2.7533% | 2,134 |
| Noncurrent loans to loans | 2.9576% | 2,185 |
| Net loans and leases to total assets | 63.2114% | 3,003 |
| Net loans and leases to deposits | 75.2562% | 2,934 |
| Net loans and leases to core deposits | 78.7909% | 3,211 |
| Total domestic deposits to total assets | 83.9949% | 4,493 |
| Equity capital to assets | 14.5610% | 848 |
| Core capital (leverage) ratio | 14.2216% | 744 |
| Tier 1 risk-based capital ratio | 14.2698% | 4,265 |
| Total risk-based capital ratio | 15.3388% | 4,376 |
| Memoranda: | ||
| Average total assets | $130,049,500 | 4,229 |
| Average earning assets | $123,183,000 | 4,130 |
| Average equity | $19,007,000 | 3,350 |
| Average total loans | $86,073,500 | 3,936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 1,611 |
| Cost of funding earning assets | 1.3894% | 1,086 |
| Net interest margin | 3.9447% | 3,137 |
| Noninterest income to average assets | 0.5158% | 3,745 |
| Noninterest expense to average assets | 2.2923% | 6,055 |
| Loan and lease loss provision to assets | 0.7984% | 1,236 |
| Net operating income to assets | 0.8495% | 2,823 |
| Return on assets (ROA) | 0.8495% | 2,976 |
| Pretax return on assets | 1.1450% | 2,675 |
| Return on Equity (ROE) | 5.8260% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.2072% | 2,504 |
| Net charge-offs to loans | 1.9246% | 739 |
| Credit loss provision to net charge-offs | 60.0601% | 5,168 |
| Earnings coverage of net charge-offs (x) | 1.4619% | 4,671 |
| Efficiency ratio | 54.1188% | 6,500 |
| Assets per employee ($millions) | 5.3728% | 1,759 |
| Cash dividends to net income (ytd only)* | 10.6203% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,568 |
| Loan loss allowance to noncurrent loans | 62.2514% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 3.4029% | 1,743 |
| Noncurrent loans to loans | 3.0521% | 2,123 |
| Net loans and leases to total assets | 66.4281% | 2,706 |
| Net loans and leases to deposits | 79.1450% | 2,659 |
| Net loans and leases to core deposits | 83.9010% | 2,906 |
| Total domestic deposits to total assets | 83.9322% | 4,338 |
| Equity capital to assets | 14.6704% | 854 |
| Core capital (leverage) ratio | 14.5744% | 699 |
| Tier 1 risk-based capital ratio | 14.0952% | 4,258 |
| Total risk-based capital ratio | 15.1870% | 4,331 |
| Memoranda: | ||
| Average total assets | $125,244,600 | 4,267 |
| Average earning assets | $118,106,400 | 4,179 |
| Average equity | $18,263,000 | 3,392 |
| Average total loans | $86,512,600 | 3,947 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3311% | 1,753 |
| Cost of funding earning assets | 1.4100% | 1,193 |
| Net interest margin | 3.9211% | 3,273 |
| Noninterest income to average assets | 0.5084% | 3,806 |
| Noninterest expense to average assets | 2.0881% | 6,517 |
| Loan and lease loss provision to assets | 0.9652% | 904 |
| Net operating income to assets | 0.8816% | 2,816 |
| Return on assets (ROA) | 0.8816% | 2,963 |
| Pretax return on assets | 1.1561% | 2,803 |
| Return on Equity (ROE) | 6.0553% | 4,000 |
| Retained earnings to average equity (ytd only) | 6.0553% | 2,529 |
| Net charge-offs to loans | 1.9248% | 675 |
| Credit loss provision to net charge-offs | 72.2311% | 4,411 |
| Earnings coverage of net charge-offs (x) | 1.5875% | 4,451 |
| Efficiency ratio | 49.6051% | 6,851 |
| Assets per employee ($millions) | 5.1042% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2816% | 1,724 |
| Loan loss allowance to noncurrent loans | 45.8295% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 4.5510% | 1,311 |
| Noncurrent loans to loans | 4.9785% | 1,251 |
| Net loans and leases to total assets | 69.1543% | 2,251 |
| Net loans and leases to deposits | 83.1279% | 2,154 |
| Net loans and leases to core deposits | 88.0301% | 2,483 |
| Total domestic deposits to total assets | 83.1902% | 4,610 |
| Equity capital to assets | 15.3396% | 760 |
| Core capital (leverage) ratio | 14.6808% | 733 |
| Tier 1 risk-based capital ratio | 14.3088% | 4,124 |
| Total risk-based capital ratio | 15.4092% | 4,203 |
| Memoranda: | ||
| Average total assets | $124,319,000 | 4,309 |
| Average earning assets | $117,346,000 | 4,216 |
| Average equity | $18,099,500 | 3,416 |
| Average total loans | $86,311,750 | 3,998 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 1,999 |
| Cost of funding earning assets | 1.4236% | 1,313 |
| Net interest margin | 3.8433% | 3,567 |
| Noninterest income to average assets | 0.5075% | 3,800 |
| Noninterest expense to average assets | 2.0668% | 6,658 |
| Loan and lease loss provision to assets | 1.1607% | 686 |
| Net operating income to assets | 0.7252% | 3,414 |
| Return on assets (ROA) | 0.7252% | 3,535 |
| Pretax return on assets | 0.9061% | 3,588 |
| Return on Equity (ROE) | 5.0702% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.0702% | 2,961 |
| Net charge-offs to loans | 2.8450% | 384 |
| Credit loss provision to net charge-offs | 59.1354% | 4,359 |
| Earnings coverage of net charge-offs (x) | 1.0530% | 4,501 |
| Efficiency ratio | 50.0000% | 6,937 |
| Assets per employee ($millions) | 5.0000% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1319% | 2,054 |
| Loan loss allowance to noncurrent loans | 40.0747% | 5,643 |
| Noncurrent assets plus other real estate owned to assets | 4.8256% | 1,283 |
| Noncurrent loans to loans | 5.3198% | 1,204 |
| Net loans and leases to total assets | 66.9504% | 2,828 |
| Net loans and leases to deposits | 79.5657% | 2,874 |
| Net loans and leases to core deposits | 84.1111% | 3,196 |
| Total domestic deposits to total assets | 84.1448% | 4,286 |
| Equity capital to assets | 14.5480% | 923 |
| Core capital (leverage) ratio | 13.9561% | 880 |
| Tier 1 risk-based capital ratio | 14.2098% | 4,007 |
| Total risk-based capital ratio | 15.3157% | 4,096 |
| Memoranda: | ||
| Average total assets | $124,925,330 | 4,323 |
| Average earning assets | $117,866,330 | 4,237 |
| Average equity | $17,869,000 | 3,437 |
| Average total loans | $86,185,000 | 4,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 1,553 |
| Cost of funding earning assets | 1.4562% | 1,352 |
| Net interest margin | 3.9444% | 2,938 |
| Noninterest income to average assets | 0.4388% | 4,376 |
| Noninterest expense to average assets | 1.9602% | 6,894 |
| Loan and lease loss provision to assets | 0.3203% | 2,628 |
| Net operating income to assets | 1.3260% | 1,211 |
| Return on assets (ROA) | 1.3260% | 1,256 |
| Pretax return on assets | 1.8801% | 708 |
| Return on Equity (ROE) | 9.3501% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.3501% | 1,276 |
| Net charge-offs to loans | 1.9186% | 666 |
| Credit loss provision to net charge-offs | 24.0964% | 4,209 |
| Earnings coverage of net charge-offs (x) | 1.6554% | 3,482 |
| Efficiency ratio | 47.1132% | 7,153 |
| Assets per employee ($millions) | 4.9915% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3554% | 1,670 |
| Loan loss allowance to noncurrent loans | 38.6420% | 5,724 |
| Noncurrent assets plus other real estate owned to assets | 4.9524% | 1,272 |
| Noncurrent loans to loans | 6.0955% | 1,029 |
| Net loans and leases to total assets | 66.7401% | 2,827 |
| Net loans and leases to deposits | 79.4215% | 2,821 |
| Net loans and leases to core deposits | 84.1846% | 3,141 |
| Total domestic deposits to total assets | 84.0328% | 4,476 |
| Equity capital to assets | 14.4134% | 905 |
| Core capital (leverage) ratio | 14.0595% | 836 |
| Tier 1 risk-based capital ratio | 14.6094% | 3,671 |
| Total risk-based capital ratio | 15.7431% | 3,704 |
| Memoranda: | ||
| Average total assets | $124,888,000 | 4,361 |
| Average earning assets | $117,839,000 | 4,258 |
| Average equity | $17,711,000 | 3,447 |
| Average total loans | $86,522,000 | 4,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 2,074 |
| Cost of funding earning assets | 1.7505% | 1,375 |
| Net interest margin | 3.8022% | 3,936 |
| Noninterest income to average assets | 0.6296% | 3,289 |
| Noninterest expense to average assets | 2.3005% | 6,356 |
| Loan and lease loss provision to assets | 1.2836% | 1,202 |
| Net operating income to assets | 0.5340% | 3,950 |
| Return on assets (ROA) | 0.5340% | 4,099 |
| Pretax return on assets | 0.6361% | 4,209 |
| Return on Equity (ROE) | 3.8051% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.3720% | 3,507 |
| Net charge-offs to loans | 1.9070% | 1,078 |
| Credit loss provision to net charge-offs | 96.7624% | 4,801 |
| Earnings coverage of net charge-offs (x) | 1.4472% | 4,668 |
| Efficiency ratio | 54.5123% | 6,757 |
| Assets per employee ($millions) | 5.2079% | 1,852 |
| Cash dividends to net income (ytd only)* | 11.3809% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6484% | 1,228 |
| Loan loss allowance to noncurrent loans | 32.3272% | 6,159 |
| Noncurrent assets plus other real estate owned to assets | 6.4022% | 890 |
| Noncurrent loans to loans | 8.1924% | 620 |
| Net loans and leases to total assets | 68.3484% | 2,895 |
| Net loans and leases to deposits | 80.7479% | 3,034 |
| Net loans and leases to core deposits | 86.5208% | 3,252 |
| Total domestic deposits to total assets | 84.6442% | 4,032 |
| Equity capital to assets | 13.9500% | 1,051 |
| Core capital (leverage) ratio | 14.0712% | 831 |
| Tier 1 risk-based capital ratio | 14.1465% | 3,770 |
| Total risk-based capital ratio | 15.2924% | 3,810 |
| Memoranda: | ||
| Average total assets | $123,406,800 | 4,415 |
| Average earning assets | $116,537,000 | 4,303 |
| Average equity | $17,319,000 | 3,533 |
| Average total loans | $85,840,000 | 4,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 2,266 |
| Cost of funding earning assets | 1.8032% | 1,406 |
| Net interest margin | 3.7442% | 4,209 |
| Noninterest income to average assets | 0.6308% | 3,249 |
| Noninterest expense to average assets | 2.0854% | 6,876 |
| Loan and lease loss provision to assets | 1.2779% | 1,098 |
| Net operating income to assets | 0.6482% | 3,652 |
| Return on assets (ROA) | 0.6482% | 3,819 |
| Pretax return on assets | 0.8032% | 3,892 |
| Return on Equity (ROE) | 4.6115% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.6115% | 3,252 |
| Net charge-offs to loans | 1.9181% | 995 |
| Credit loss provision to net charge-offs | 96.0098% | 4,512 |
| Earnings coverage of net charge-offs (x) | 1.5635% | 4,552 |
| Efficiency ratio | 50.0520% | 7,146 |
| Assets per employee ($millions) | 5.1471% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6658% | 1,121 |
| Loan loss allowance to noncurrent loans | 36.4776% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 5.8334% | 1,036 |
| Noncurrent loans to loans | 7.3081% | 743 |
| Net loans and leases to total assets | 68.8086% | 3,031 |
| Net loans and leases to deposits | 81.8425% | 3,137 |
| Net loans and leases to core deposits | 87.5053% | 3,447 |
| Total domestic deposits to total assets | 84.0744% | 4,082 |
| Equity capital to assets | 14.4166% | 1,040 |
| Core capital (leverage) ratio | 13.8930% | 940 |
| Tier 1 risk-based capital ratio | 14.6078% | 3,457 |
| Total risk-based capital ratio | 15.7719% | 3,468 |
| Memoranda: | ||
| Average total assets | $123,011,250 | 4,475 |
| Average earning assets | $116,159,500 | 4,380 |
| Average equity | $17,289,750 | 3,593 |
| Average total loans | $85,362,000 | 4,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7121% | 1,718 |
| Cost of funding earning assets | 1.8523% | 1,422 |
| Net interest margin | 3.8598% | 3,638 |
| Noninterest income to average assets | 0.6610% | 2,950 |
| Noninterest expense to average assets | 2.0189% | 7,075 |
| Loan and lease loss provision to assets | 1.7568% | 707 |
| Net operating income to assets | 0.4738% | 4,444 |
| Return on assets (ROA) | 0.4738% | 4,601 |
| Pretax return on assets | 0.5292% | 4,817 |
| Return on Equity (ROE) | 3.4002% | 5,058 |
| Retained earnings to average equity (ytd only) | 3.4002% | 3,948 |
| Net charge-offs to loans | 2.3044% | 772 |
| Credit loss provision to net charge-offs | 110.5533% | 3,677 |
| Earnings coverage of net charge-offs (x) | 1.4385% | 4,409 |
| Efficiency ratio | 46.8986% | 7,397 |
| Assets per employee ($millions) | 5.4654% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9150% | 901 |
| Loan loss allowance to noncurrent loans | 90.1818% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.8655% | 2,519 |
| Noncurrent loans to loans | 3.2324% | 2,478 |
| Net loans and leases to total assets | 65.7067% | 3,896 |
| Net loans and leases to deposits | 77.4132% | 4,098 |
| Net loans and leases to core deposits | 83.1699% | 4,249 |
| Total domestic deposits to total assets | 84.8780% | 3,696 |
| Equity capital to assets | 13.7458% | 1,257 |
| Core capital (leverage) ratio | 13.4884% | 1,061 |
| Tier 1 risk-based capital ratio | 14.6016% | 3,386 |
| Total risk-based capital ratio | 15.7792% | 3,389 |
| Memoranda: | ||
| Average total assets | $122,838,000 | 4,506 |
| Average earning assets | $115,963,670 | 4,416 |
| Average equity | $17,116,670 | 3,615 |
| Average total loans | $84,706,670 | 4,301 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7844% | 1,507 |
| Cost of funding earning assets | 1.9188% | 1,376 |
| Net interest margin | 3.8656% | 3,481 |
| Noninterest income to average assets | 0.3295% | 5,508 |
| Noninterest expense to average assets | 1.7429% | 7,531 |
| Loan and lease loss provision to assets | 1.8286% | 615 |
| Net operating income to assets | 0.3921% | 4,869 |
| Return on assets (ROA) | 0.3921% | 5,013 |
| Pretax return on assets | 0.4020% | 5,286 |
| Return on Equity (ROE) | 2.7942% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.7942% | 4,454 |
| Net charge-offs to loans | 1.3062% | 1,309 |
| Credit loss provision to net charge-offs | 201.0870% | 1,842 |
| Earnings coverage of net charge-offs (x) | 2.4529% | 3,314 |
| Efficiency ratio | 43.8640% | 7,626 |
| Assets per employee ($millions) | 5.0705% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1574% | 723 |
| Loan loss allowance to noncurrent loans | 243.4464% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 4,154 |
| Noncurrent loans to loans | 1.2970% | 4,812 |
| Net loans and leases to total assets | 66.9425% | 3,646 |
| Net loans and leases to deposits | 79.3360% | 3,775 |
| Net loans and leases to core deposits | 86.6379% | 3,807 |
| Total domestic deposits to total assets | 84.3785% | 3,964 |
| Equity capital to assets | 14.0783% | 1,115 |
| Core capital (leverage) ratio | 13.7615% | 1,016 |
| Tier 1 risk-based capital ratio | 15.1222% | 3,059 |
| Total risk-based capital ratio | 16.3229% | 3,038 |
| Memoranda: | ||
| Average total assets | $121,405,000 | 4,594 |
| Average earning assets | $114,446,500 | 4,506 |
| Average equity | $17,035,500 | 3,649 |
| Average total loans | $84,522,000 | 4,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0908% | 1,546 |
| Cost of funding earning assets | 2.3074% | 1,623 |
| Net interest margin | 3.7834% | 3,780 |
| Noninterest income to average assets | 0.4636% | 4,688 |
| Noninterest expense to average assets | 1.8711% | 7,542 |
| Loan and lease loss provision to assets | 2.2352% | 928 |
| Net operating income to assets | 0.1458% | 5,061 |
| Return on assets (ROA) | 0.1458% | 5,130 |
| Pretax return on assets | -0.0261% | 5,486 |
| Return on Equity (ROE) | 1.0556% | 5,217 |
| Retained earnings to average equity (ytd only) | 0.5980% | 4,570 |
| Net charge-offs to loans | 1.4568% | 1,723 |
| Credit loss provision to net charge-offs | 218.2716% | 1,736 |
| Earnings coverage of net charge-offs (x) | 2.1572% | 4,105 |
| Efficiency ratio | 45.8583% | 7,718 |
| Assets per employee ($millions) | 5.5054% | 1,640 |
| Cash dividends to net income (ytd only)* | 43.3526% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7989% | 933 |
| Loan loss allowance to noncurrent loans | 262.3620% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 1.1468% | 4,800 |
| Noncurrent loans to loans | 1.0668% | 5,188 |
| Net loans and leases to total assets | 68.1545% | 3,673 |
| Net loans and leases to deposits | 80.6724% | 3,863 |
| Net loans and leases to core deposits | 107.7158% | 3,132 |
| Total domestic deposits to total assets | 84.4830% | 3,802 |
| Equity capital to assets | 13.9854% | 1,179 |
| Core capital (leverage) ratio | 14.1075% | 962 |
| Tier 1 risk-based capital ratio | 15.7525% | 2,617 |
| Total risk-based capital ratio | 17.0148% | 2,549 |
| Memoranda: | ||
| Average total assets | $118,649,400 | 4,612 |
| Average earning assets | $113,417,600 | 4,463 |
| Average equity | $16,388,800 | 3,805 |
| Average total loans | $83,401,600 | 4,401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0849% | 1,702 |
| Cost of funding earning assets | 2.3732% | 1,731 |
| Net interest margin | 3.7117% | 4,019 |
| Noninterest income to average assets | 0.4880% | 4,599 |
| Noninterest expense to average assets | 1.6187% | 7,816 |
| Loan and lease loss provision to assets | 2.9392% | 510 |
| Net operating income to assets | -0.1830% | 6,031 |
| Return on assets (ROA) | -0.1830% | 6,044 |
| Pretax return on assets | -0.5117% | 6,310 |
| Return on Equity (ROE) | -1.3291% | 5,988 |
| Retained earnings to average equity (ytd only) | -1.9444% | 5,717 |
| Net charge-offs to loans | 1.5321% | 1,333 |
| Credit loss provision to net charge-offs | 272.7463% | 1,554 |
| Earnings coverage of net charge-offs (x) | 2.2526% | 4,135 |
| Efficiency ratio | 40.0056% | 7,925 |
| Assets per employee ($millions) | 5.3206% | 1,767 |
| Cash dividends to net income (ytd only)* | -46.2984% | 7,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0665% | 638 |
| Loan loss allowance to noncurrent loans | 161.3466% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 4,121 |
| Noncurrent loans to loans | 1.9005% | 3,775 |
| Net loans and leases to total assets | 69.8900% | 3,545 |
| Net loans and leases to deposits | 82.8404% | 3,861 |
| Net loans and leases to core deposits | 111.7701% | 3,045 |
| Total domestic deposits to total assets | 84.3670% | 3,545 |
| Equity capital to assets | 13.8885% | 1,342 |
| Core capital (leverage) ratio | 13.6594% | 1,182 |
| Tier 1 risk-based capital ratio | 16.6189% | 2,388 |
| Total risk-based capital ratio | 17.8872% | 2,329 |
| Memoranda: | ||
| Average total assets | $118,032,000 | 4,650 |
| Average earning assets | $113,151,750 | 4,510 |
| Average equity | $16,251,250 | 3,863 |
| Average total loans | $83,020,750 | 4,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0906% | 1,820 |
| Cost of funding earning assets | 2.4327% | 1,837 |
| Net interest margin | 3.6579% | 4,131 |
| Noninterest income to average assets | 0.5086% | 4,370 |
| Noninterest expense to average assets | 1.5952% | 7,918 |
| Loan and lease loss provision to assets | 4.1434% | 295 |
| Net operating income to assets | -0.9497% | 6,935 |
| Return on assets (ROA) | -0.9497% | 6,939 |
| Pretax return on assets | -1.7236% | 7,182 |
| Return on Equity (ROE) | -6.9172% | 6,787 |
| Retained earnings to average equity (ytd only) | -7.8526% | 6,651 |
| Net charge-offs to loans | 1.4922% | 1,270 |
| Credit loss provision to net charge-offs | 398.0519% | 1,173 |
| Earnings coverage of net charge-offs (x) | 2.3247% | 3,902 |
| Efficiency ratio | 39.7306% | 8,023 |
| Assets per employee ($millions) | 5.5854% | 1,512 |
| Cash dividends to net income (ytd only)* | -13.5231% | 7,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3629% | 419 |
| Loan loss allowance to noncurrent loans | 190.0068% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5747% | 3,864 |
| Noncurrent loans to loans | 1.7699% | 3,851 |
| Net loans and leases to total assets | 68.0117% | 4,150 |
| Net loans and leases to deposits | 79.9697% | 4,552 |
| Net loans and leases to core deposits | 105.9754% | 3,844 |
| Total domestic deposits to total assets | 85.0468% | 3,240 |
| Equity capital to assets | 13.2906% | 1,565 |
| Core capital (leverage) ratio | 12.6959% | 1,539 |
| Tier 1 risk-based capital ratio | 16.3042% | 2,517 |
| Total risk-based capital ratio | 17.5659% | 2,462 |
| Memoranda: | ||
| Average total assets | $118,358,000 | 4,680 |
| Average earning assets | $113,454,330 | 4,528 |
| Average equity | $16,249,330 | 3,875 |
| Average total loans | $82,562,000 | 4,508 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1769% | 1,667 |
| Cost of funding earning assets | 2.5395% | 1,769 |
| Net interest margin | 3.6374% | 4,154 |
| Noninterest income to average assets | 0.4643% | 4,641 |
| Noninterest expense to average assets | 1.5241% | 7,971 |
| Loan and lease loss provision to assets | 0.4037% | 2,904 |
| Net operating income to assets | 1.4164% | 1,110 |
| Return on assets (ROA) | 1.4164% | 1,192 |
| Pretax return on assets | 2.0254% | 639 |
| Return on Equity (ROE) | 10.1571% | 2,260 |
| Retained earnings to average equity (ytd only) | 8.3235% | 1,694 |
| Net charge-offs to loans | -0.3149% | 8,071 |
| Credit loss provision to net charge-offs | -184.6154% | 6,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5532% | 8,076 |
| Assets per employee ($millions) | 5.6665% | 1,424 |
| Cash dividends to net income (ytd only)* | 18.0523% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 3,792 |
| Loan loss allowance to noncurrent loans | 116.3392% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 1.1681% | 4,334 |
| Noncurrent loans to loans | 1.1617% | 4,659 |
| Net loans and leases to total assets | 69.0034% | 3,911 |
| Net loans and leases to deposits | 82.2691% | 4,243 |
| Net loans and leases to core deposits | 110.5022% | 3,369 |
| Total domestic deposits to total assets | 83.8752% | 3,762 |
| Equity capital to assets | 14.0205% | 1,358 |
| Core capital (leverage) ratio | 13.7033% | 1,263 |
| Tier 1 risk-based capital ratio | 16.0825% | 2,663 |
| Total risk-based capital ratio | 17.1781% | 2,654 |
| Memoranda: | ||
| Average total assets | $118,890,500 | 4,683 |
| Average earning assets | $114,037,500 | 4,530 |
| Average equity | $16,579,500 | 3,820 |
| Average total loans | $82,568,500 | 4,539 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7951% | 1,693 |
| Cost of funding earning assets | 3.2116% | 1,156 |
| Net interest margin | 3.5834% | 4,960 |
| Noninterest income to average assets | 0.4040% | 5,435 |
| Noninterest expense to average assets | 1.8308% | 7,716 |
| Loan and lease loss provision to assets | 0.4509% | 3,036 |
| Net operating income to assets | 1.1102% | 2,107 |
| Return on assets (ROA) | 1.1102% | 2,023 |
| Pretax return on assets | 1.5296% | 1,597 |
| Return on Equity (ROE) | 7.7722% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.8188% | 1,213 |
| Net charge-offs to loans | 0.7590% | 1,633 |
| Credit loss provision to net charge-offs | 83.8926% | 5,810 |
| Earnings coverage of net charge-offs (x) | 3.6846% | 4,254 |
| Efficiency ratio | 48.0360% | 7,801 |
| Assets per employee ($millions) | 5.6564% | 1,348 |
| Cash dividends to net income (ytd only)* | 12.2665% | 4,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 4,943 |
| Loan loss allowance to noncurrent loans | 99.5763% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 3,969 |
| Noncurrent loans to loans | 1.1526% | 4,229 |
| Net loans and leases to total assets | 68.1573% | 4,437 |
| Net loans and leases to deposits | 81.0208% | 4,867 |
| Net loans and leases to core deposits | 109.0855% | 3,856 |
| Total domestic deposits to total assets | 84.1233% | 3,259 |
| Equity capital to assets | 13.8697% | 1,470 |
| Core capital (leverage) ratio | 14.0411% | 1,251 |
| Tier 1 risk-based capital ratio | 16.9837% | 2,316 |
| Total risk-based capital ratio | 17.9710% | 2,347 |
| Memoranda: | ||
| Average total assets | $110,880,200 | 4,753 |
| Average earning assets | $105,429,600 | 4,630 |
| Average equity | $15,838,600 | 3,966 |
| Average total loans | $78,523,200 | 4,568 |