Home > Farmers National Bank > Performance and Condition Ratios
Farmers National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,838 |
| Cost of funding earning assets | 0.9828% | 3,334 |
| Net interest margin | 3.0993% | 3,097 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.9846% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8912% | 2,578 |
| Return on assets (ROA) | 0.8912% | 2,550 |
| Pretax return on assets | 1.1416% | 2,289 |
| Return on Equity (ROE) | 4.9900% | 3,725 |
| Retained earnings to average equity (ytd only) | 4.8579% | 2,647 |
| Net charge-offs to loans | 0.0024% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 948.0000% | 163 |
| Efficiency ratio | 60.2080% | 3,059 |
| Assets per employee ($millions) | 6.6362% | 2,312 |
| Cash dividends to net income (ytd only)* | 2.7027% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 588 |
| Loan loss allowance to noncurrent loans | 253.7133% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 1,569 |
| Noncurrent loans to loans | 0.6911% | 1,138 |
| Net loans and leases to total assets | 49.6100% | 3,620 |
| Net loans and leases to deposits | 63.7624% | 3,302 |
| Net loans and leases to core deposits | 66.1419% | 3,491 |
| Total domestic deposits to total assets | 77.8100% | 3,754 |
| Equity capital to assets | 18.2544% | 337 |
| Core capital (leverage) ratio | 17.5505% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3976% | 232 |
| Memoranda: | ||
| Average total assets | $166,077,400 | 3,224 |
| Average earning assets | $157,616,600 | 3,184 |
| Average equity | $29,642,400 | 2,276 |
| Average total loans | $82,297,400 | 3,374 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 3,838 |
| Cost of funding earning assets | 0.9243% | 3,219 |
| Net interest margin | 3.0805% | 3,174 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.9287% | 3,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0611% | 2,180 |
| Return on assets (ROA) | 1.0611% | 2,167 |
| Pretax return on assets | 1.1975% | 2,303 |
| Return on Equity (ROE) | 5.9800% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.9787% | 2,641 |
| Net charge-offs to loans | 0.0033% | 2,396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 746.0000% | 214 |
| Efficiency ratio | 58.4082% | 3,153 |
| Assets per employee ($millions) | 6.3485% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7445% | 641 |
| Loan loss allowance to noncurrent loans | 190.2850% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 1,242 |
| Noncurrent loans to loans | 0.9168% | 896 |
| Net loans and leases to total assets | 50.1300% | 3,607 |
| Net loans and leases to deposits | 65.4790% | 3,175 |
| Net loans and leases to core deposits | 67.6943% | 3,343 |
| Total domestic deposits to total assets | 76.5500% | 3,969 |
| Equity capital to assets | 18.2758% | 334 |
| Core capital (leverage) ratio | 17.6252% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1067% | 249 |
| Memoranda: | ||
| Average total assets | $166,120,500 | 3,231 |
| Average earning assets | $157,808,000 | 3,195 |
| Average equity | $29,481,750 | 2,273 |
| Average total loans | $81,927,750 | 3,390 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 3,836 |
| Cost of funding earning assets | 0.8823% | 2,980 |
| Net interest margin | 3.0357% | 3,342 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.9114% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0332% | 2,310 |
| Return on assets (ROA) | 1.0332% | 2,306 |
| Pretax return on assets | 1.1690% | 2,451 |
| Return on Equity (ROE) | 5.8800% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.8796% | 2,664 |
| Net charge-offs to loans | 0.0049% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 486.5000% | 300 |
| Efficiency ratio | 58.7363% | 3,108 |
| Assets per employee ($millions) | 6.7351% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8059% | 603 |
| Loan loss allowance to noncurrent loans | 181.3580% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 997 |
| Noncurrent loans to loans | 0.9958% | 761 |
| Net loans and leases to total assets | 49.4200% | 3,594 |
| Net loans and leases to deposits | 60.7344% | 3,375 |
| Net loans and leases to core deposits | 62.7014% | 3,510 |
| Total domestic deposits to total assets | 81.3600% | 3,364 |
| Equity capital to assets | 18.3764% | 332 |
| Core capital (leverage) ratio | 17.0729% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.6244% | 226 |
| Memoranda: | ||
| Average total assets | $166,474,000 | 3,237 |
| Average earning assets | $157,987,333 | 3,205 |
| Average equity | $29,253,667 | 2,293 |
| Average total loans | $81,168,000 | 3,397 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7898% | 3,871 |
| Cost of funding earning assets | 0.9412% | 2,242 |
| Net interest margin | 2.8486% | 3,868 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.8616% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8739% | 2,943 |
| Return on assets (ROA) | 0.8739% | 2,895 |
| Pretax return on assets | 1.0232% | 2,925 |
| Return on Equity (ROE) | 5.0800% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.0847% | 3,008 |
| Net charge-offs to loans | 0.0099% | 1,569 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 216.0000% | 485 |
| Efficiency ratio | 61.0016% | 2,826 |
| Assets per employee ($millions) | 6.2924% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 579 |
| Loan loss allowance to noncurrent loans | 231.7035% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 1,240 |
| Noncurrent loans to loans | 0.8052% | 955 |
| Net loans and leases to total assets | 45.4800% | 3,800 |
| Net loans and leases to deposits | 55.0315% | 3,628 |
| Net loans and leases to core deposits | 56.8169% | 3,699 |
| Total domestic deposits to total assets | 82.6400% | 3,369 |
| Equity capital to assets | 17.1946% | 336 |
| Core capital (leverage) ratio | 16.2196% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2835% | 238 |
| Memoranda: | ||
| Average total assets | $168,890,000 | 3,269 |
| Average earning assets | $159,798,500 | 3,236 |
| Average equity | $29,028,500 | 2,331 |
| Average total loans | $81,079,500 | 3,437 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0926% | 4,000 |
| Cost of funding earning assets | 0.2818% | 3,022 |
| Net interest margin | 2.8108% | 3,873 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.9265% | 3,775 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.5969% | 3,892 |
| Return on assets (ROA) | 0.5969% | 3,850 |
| Pretax return on assets | 0.7473% | 3,750 |
| Return on Equity (ROE) | 3.6500% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.5033% | 3,563 |
| Net charge-offs to loans | 0.7725% | 88 |
| Credit loss provision to net charge-offs | 49.4523% | 1,821 |
| Earnings coverage of net charge-offs (x) | 2.5086% | 2,503 |
| Efficiency ratio | 63.9707% | 2,496 |
| Assets per employee ($millions) | 6.2179% | 2,579 |
| Cash dividends to net income (ytd only)* | 3.8911% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 706 |
| Loan loss allowance to noncurrent loans | 199.3225% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 1,050 |
| Noncurrent loans to loans | 0.8846% | 835 |
| Net loans and leases to total assets | 48.8100% | 3,601 |
| Net loans and leases to deposits | 59.0003% | 3,399 |
| Net loans and leases to core deposits | 60.8738% | 3,460 |
| Total domestic deposits to total assets | 82.7400% | 3,478 |
| Equity capital to assets | 17.1809% | 324 |
| Core capital (leverage) ratio | 15.9231% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6120% | 248 |
| Memoranda: | ||
| Average total assets | $172,226,600 | 3,253 |
| Average earning assets | $163,939,400 | 3,212 |
| Average equity | $28,202,200 | 2,421 |
| Average total loans | $82,714,800 | 3,377 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9162% | 4,039 |
| Cost of funding earning assets | 0.2274% | 2,954 |
| Net interest margin | 2.6889% | 3,952 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.7779% | 4,022 |
| Loan and lease loss provision to assets | 0.2400% | 344 |
| Net operating income to assets | 0.5393% | 3,992 |
| Return on assets (ROA) | 0.5393% | 3,932 |
| Pretax return on assets | 0.7301% | 3,740 |
| Return on Equity (ROE) | 3.3300% | 4,257 |
| Retained earnings to average equity (ytd only) | 3.3330% | 3,688 |
| Net charge-offs to loans | 1.0322% | 48 |
| Credit loss provision to net charge-offs | 49.4523% | 1,527 |
| Earnings coverage of net charge-offs (x) | 1.9797% | 2,258 |
| Efficiency ratio | 61.0459% | 2,962 |
| Assets per employee ($millions) | 6.3168% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 742 |
| Loan loss allowance to noncurrent loans | 196.1333% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7194% | 715 |
| Noncurrent loans to loans | 0.9132% | 857 |
| Net loans and leases to total assets | 47.2900% | 3,682 |
| Net loans and leases to deposits | 56.9150% | 3,411 |
| Net loans and leases to core deposits | 58.9815% | 3,453 |
| Total domestic deposits to total assets | 83.0900% | 3,676 |
| Equity capital to assets | 16.7448% | 333 |
| Core capital (leverage) ratio | 15.3900% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2586% | 266 |
| Memoranda: | ||
| Average total assets | $173,312,250 | 3,267 |
| Average earning assets | $165,368,750 | 3,223 |
| Average equity | $28,041,750 | 2,462 |
| Average total loans | $82,537,750 | 3,388 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6978% | 4,145 |
| Cost of funding earning assets | 0.2065% | 2,831 |
| Net interest margin | 2.4913% | 4,096 |
| Noninterest income to average assets | 0.1837% | 4,086 |
| Noninterest expense to average assets | 1.7942% | 3,970 |
| Loan and lease loss provision to assets | 0.3627% | 162 |
| Net operating income to assets | 0.2192% | 4,396 |
| Return on assets (ROA) | 0.2192% | 4,355 |
| Pretax return on assets | 0.4087% | 4,145 |
| Return on Equity (ROE) | 1.3707% | 4,420 |
| Retained earnings to average equity (ytd only) | 1.3707% | 3,909 |
| Net charge-offs to loans | 1.4974% | 41 |
| Credit loss provision to net charge-offs | 51.0501% | 1,488 |
| Earnings coverage of net charge-offs (x) | 1.0856% | 2,080 |
| Efficiency ratio | 66.1298% | 2,487 |
| Assets per employee ($millions) | 6.7398% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 788 |
| Loan loss allowance to noncurrent loans | 102.6860% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 407 |
| Noncurrent loans to loans | 1.7700% | 378 |
| Net loans and leases to total assets | 45.9614% | 3,712 |
| Net loans and leases to deposits | 54.8181% | 3,481 |
| Net loans and leases to core deposits | 57.1898% | 3,479 |
| Total domestic deposits to total assets | 83.8435% | 3,711 |
| Equity capital to assets | 16.0064% | 337 |
| Core capital (leverage) ratio | 14.8051% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2287% | 265 |
| Memoranda: | ||
| Average total assets | $174,231,667 | 3,296 |
| Average earning assets | $166,577,333 | 3,254 |
| Average equity | $27,869,333 | 2,533 |
| Average total loans | $82,674,667 | 3,417 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4801% | 4,291 |
| Cost of funding earning assets | 0.1976% | 2,835 |
| Net interest margin | 2.2824% | 4,262 |
| Noninterest income to average assets | 0.1865% | 4,039 |
| Noninterest expense to average assets | 1.9363% | 3,585 |
| Loan and lease loss provision to assets | 0.4973% | 98 |
| Net operating income to assets | -0.3569% | 4,677 |
| Return on assets (ROA) | -0.3569% | 4,661 |
| Pretax return on assets | -0.0668% | 4,553 |
| Return on Equity (ROE) | -2.2319% | 4,644 |
| Retained earnings to average equity (ytd only) | -2.2319% | 4,266 |
| Net charge-offs to loans | 1.8507% | 41 |
| Credit loss provision to net charge-offs | 56.2500% | 1,180 |
| Earnings coverage of net charge-offs (x) | 0.4870% | 1,771 |
| Efficiency ratio | 77.6265% | 1,348 |
| Assets per employee ($millions) | 6.3878% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 569 |
| Loan loss allowance to noncurrent loans | 93.5558% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 351 |
| Noncurrent loans to loans | 2.1898% | 309 |
| Net loans and leases to total assets | 43.4666% | 3,783 |
| Net loans and leases to deposits | 51.5073% | 3,605 |
| Net loans and leases to core deposits | 53.7159% | 3,617 |
| Total domestic deposits to total assets | 84.3892% | 3,676 |
| Equity capital to assets | 15.4884% | 354 |
| Core capital (leverage) ratio | 14.7028% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4033% | 282 |
| Memoranda: | ||
| Average total assets | $173,729,500 | 3,314 |
| Average earning assets | $165,963,500 | 3,267 |
| Average equity | $27,779,500 | 2,620 |
| Average total loans | $82,996,000 | 3,419 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9504% | 3,963 |
| Cost of funding earning assets | 0.2531% | 2,885 |
| Net interest margin | 2.6974% | 3,877 |
| Noninterest income to average assets | 0.6464% | 1,955 |
| Noninterest expense to average assets | 2.0332% | 3,571 |
| Loan and lease loss provision to assets | 0.1637% | 722 |
| Net operating income to assets | 0.7671% | 3,433 |
| Return on assets (ROA) | 0.7671% | 3,497 |
| Pretax return on assets | 1.0090% | 3,238 |
| Return on Equity (ROE) | 4.6062% | 4,084 |
| Retained earnings to average equity (ytd only) | 4.5188% | 2,995 |
| Net charge-offs to loans | 0.5837% | 142 |
| Credit loss provision to net charge-offs | 50.0000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 3.5815% | 2,537 |
| Efficiency ratio | 60.2043% | 3,116 |
| Assets per employee ($millions) | 6.0215% | 2,751 |
| Cash dividends to net income (ytd only)* | 1.8972% | 3,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 547 |
| Loan loss allowance to noncurrent loans | 179.0419% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 666 |
| Noncurrent loans to loans | 1.1567% | 835 |
| Net loans and leases to total assets | 50.3132% | 3,241 |
| Net loans and leases to deposits | 60.3280% | 3,047 |
| Net loans and leases to core deposits | 62.6738% | 3,104 |
| Total domestic deposits to total assets | 83.3994% | 3,720 |
| Equity capital to assets | 16.5223% | 326 |
| Core capital (leverage) ratio | 15.1852% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5567% | 329 |
| Memoranda: | ||
| Average total assets | $164,911,400 | 3,347 |
| Average earning assets | $156,485,200 | 3,314 |
| Average equity | $27,463,200 | 2,685 |
| Average total loans | $92,509,800 | 3,299 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0242% | 3,959 |
| Cost of funding earning assets | 0.2659% | 2,943 |
| Net interest margin | 2.7583% | 3,870 |
| Noninterest income to average assets | 0.8016% | 1,522 |
| Noninterest expense to average assets | 1.9772% | 3,745 |
| Loan and lease loss provision to assets | 0.1220% | 962 |
| Net operating income to assets | 1.0350% | 2,788 |
| Return on assets (ROA) | 1.0350% | 2,850 |
| Pretax return on assets | 1.3171% | 2,581 |
| Return on Equity (ROE) | 6.2010% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.2010% | 2,743 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8310% | 3,689 |
| Assets per employee ($millions) | 6.2259% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4693% | 301 |
| Loan loss allowance to noncurrent loans | 259.5545% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.7767% | 929 |
| Noncurrent loans to loans | 0.9514% | 1,210 |
| Net loans and leases to total assets | 50.1635% | 3,397 |
| Net loans and leases to deposits | 59.8844% | 3,237 |
| Net loans and leases to core deposits | 62.1269% | 3,308 |
| Total domestic deposits to total assets | 83.7672% | 3,516 |
| Equity capital to assets | 15.9988% | 416 |
| Core capital (leverage) ratio | 14.8424% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6067% | 392 |
| Memoranda: | ||
| Average total assets | $163,995,250 | 3,391 |
| Average earning assets | $155,454,250 | 3,352 |
| Average equity | $27,371,250 | 2,715 |
| Average total loans | $93,981,500 | 3,322 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1164% | 3,828 |
| Cost of funding earning assets | 0.2855% | 2,914 |
| Net interest margin | 2.8309% | 3,718 |
| Noninterest income to average assets | 1.1398% | 874 |
| Noninterest expense to average assets | 1.9869% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5459% | 1,179 |
| Return on assets (ROA) | 1.5459% | 1,240 |
| Pretax return on assets | 1.8337% | 1,159 |
| Return on Equity (ROE) | 9.1256% | 3,058 |
| Retained earnings to average equity (ytd only) | 9.1256% | 1,671 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2338% | 4,297 |
| Assets per employee ($millions) | 5.6873% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2258% | 408 |
| Loan loss allowance to noncurrent loans | 200.3883% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 828 |
| Noncurrent loans to loans | 1.1107% | 1,086 |
| Net loans and leases to total assets | 54.9726% | 3,021 |
| Net loans and leases to deposits | 66.3229% | 2,793 |
| Net loans and leases to core deposits | 68.8543% | 2,877 |
| Total domestic deposits to total assets | 82.8864% | 3,730 |
| Equity capital to assets | 16.8899% | 334 |
| Core capital (leverage) ratio | 15.4593% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1056% | 376 |
| Memoranda: | ||
| Average total assets | $160,551,667 | 3,430 |
| Average earning assets | $152,036,667 | 3,392 |
| Average equity | $27,198,333 | 2,727 |
| Average total loans | $95,421,333 | 3,316 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 3,658 |
| Cost of funding earning assets | 0.3132% | 2,861 |
| Net interest margin | 2.9022% | 3,515 |
| Noninterest income to average assets | 0.9295% | 1,253 |
| Noninterest expense to average assets | 2.0965% | 3,435 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2781% | 1,896 |
| Return on assets (ROA) | 1.2781% | 1,968 |
| Pretax return on assets | 1.5711% | 1,798 |
| Return on Equity (ROE) | 7.5328% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.5328% | 2,403 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2011% | 3,760 |
| Assets per employee ($millions) | 5.6296% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1635% | 447 |
| Loan loss allowance to noncurrent loans | 196.9466% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9506% | 885 |
| Noncurrent loans to loans | 1.0985% | 1,215 |
| Net loans and leases to total assets | 57.1715% | 2,887 |
| Net loans and leases to deposits | 68.7338% | 2,624 |
| Net loans and leases to core deposits | 71.2279% | 2,767 |
| Total domestic deposits to total assets | 83.1782% | 3,646 |
| Equity capital to assets | 16.6130% | 344 |
| Core capital (leverage) ratio | 15.6279% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2175% | 443 |
| Memoranda: | ||
| Average total assets | $158,361,000 | 3,453 |
| Average earning assets | $149,404,000 | 3,424 |
| Average equity | $26,869,000 | 2,741 |
| Average total loans | $96,766,000 | 3,310 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0881% | 2,454 |
| Cost of funding earning assets | 0.5704% | 2,503 |
| Net interest margin | 3.5177% | 2,418 |
| Noninterest income to average assets | 0.3246% | 3,520 |
| Noninterest expense to average assets | 2.3538% | 3,260 |
| Loan and lease loss provision to assets | 0.1012% | 3,069 |
| Net operating income to assets | 0.8975% | 2,712 |
| Return on assets (ROA) | 0.8975% | 2,843 |
| Pretax return on assets | 1.1864% | 2,379 |
| Return on Equity (ROE) | 5.0803% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.9887% | 2,272 |
| Net charge-offs to loans | 0.1780% | 941 |
| Credit loss provision to net charge-offs | 80.2139% | 2,986 |
| Earnings coverage of net charge-offs (x) | 10.2032% | 2,478 |
| Efficiency ratio | 61.4900% | 3,223 |
| Assets per employee ($millions) | 5.2919% | 3,056 |
| Cash dividends to net income (ytd only)* | 1.8045% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1033% | 487 |
| Loan loss allowance to noncurrent loans | 176.4103% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 829 |
| Noncurrent loans to loans | 1.1923% | 1,184 |
| Net loans and leases to total assets | 62.5990% | 2,530 |
| Net loans and leases to deposits | 75.9081% | 2,292 |
| Net loans and leases to core deposits | 78.8747% | 2,469 |
| Total domestic deposits to total assets | 82.4669% | 3,549 |
| Equity capital to assets | 17.3435% | 312 |
| Core capital (leverage) ratio | 15.9198% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5761% | 467 |
| Memoranda: | ||
| Average total assets | $148,184,400 | 3,421 |
| Average earning assets | $139,723,800 | 3,385 |
| Average equity | $26,179,400 | 2,731 |
| Average total loans | $105,055,600 | 3,164 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2772% | 2,173 |
| Cost of funding earning assets | 0.6245% | 2,463 |
| Net interest margin | 3.6527% | 2,094 |
| Noninterest income to average assets | 0.3686% | 3,249 |
| Noninterest expense to average assets | 2.1053% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3672% | 1,181 |
| Return on assets (ROA) | 1.3672% | 1,283 |
| Pretax return on assets | 1.7095% | 950 |
| Return on Equity (ROE) | 7.7021% | 2,923 |
| Retained earnings to average equity (ytd only) | 7.7021% | 1,417 |
| Net charge-offs to loans | 0.2497% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 9.4150% | 2,428 |
| Efficiency ratio | 55.1880% | 4,016 |
| Assets per employee ($millions) | 5.3249% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 759 |
| Loan loss allowance to noncurrent loans | 163.3162% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 851 |
| Noncurrent loans to loans | 1.0903% | 1,381 |
| Net loans and leases to total assets | 70.3314% | 1,900 |
| Net loans and leases to deposits | 86.1226% | 1,688 |
| Net loans and leases to core deposits | 89.4529% | 2,020 |
| Total domestic deposits to total assets | 81.6643% | 3,502 |
| Equity capital to assets | 17.9856% | 306 |
| Core capital (leverage) ratio | 16.5371% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3785% | 551 |
| Memoranda: | ||
| Average total assets | $146,864,500 | 3,428 |
| Average earning assets | $138,562,250 | 3,386 |
| Average equity | $26,070,250 | 2,729 |
| Average total loans | $106,786,750 | 3,142 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3612% | 2,311 |
| Cost of funding earning assets | 0.6644% | 2,598 |
| Net interest margin | 3.6968% | 2,173 |
| Noninterest income to average assets | 0.4394% | 2,863 |
| Noninterest expense to average assets | 2.0901% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.4974% | 931 |
| Return on assets (ROA) | 1.4974% | 1,005 |
| Pretax return on assets | 1.8451% | 746 |
| Return on Equity (ROE) | 8.4735% | 2,570 |
| Retained earnings to average equity (ytd only) | 8.4735% | 1,170 |
| Net charge-offs to loans | 0.3708% | 429 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 6.8081% | 2,416 |
| Efficiency ratio | 53.1130% | 4,273 |
| Assets per employee ($millions) | 5.3898% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7613% | 712 |
| Loan loss allowance to noncurrent loans | 112.2714% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 928 |
| Noncurrent loans to loans | 1.5688% | 951 |
| Net loans and leases to total assets | 70.3319% | 1,982 |
| Net loans and leases to deposits | 85.5871% | 1,815 |
| Net loans and leases to core deposits | 89.9736% | 2,074 |
| Total domestic deposits to total assets | 82.1758% | 3,323 |
| Equity capital to assets | 17.4962% | 335 |
| Core capital (leverage) ratio | 16.2598% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8265% | 599 |
| Memoranda: | ||
| Average total assets | $146,120,333 | 3,416 |
| Average earning assets | $138,174,000 | 3,370 |
| Average equity | $25,821,667 | 2,735 |
| Average total loans | $106,794,667 | 3,140 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 2,034 |
| Cost of funding earning assets | 0.7272% | 2,795 |
| Net interest margin | 3.8606% | 1,797 |
| Noninterest income to average assets | 0.2616% | 3,971 |
| Noninterest expense to average assets | 2.3016% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2274% | 1,439 |
| Return on assets (ROA) | 1.2274% | 1,545 |
| Pretax return on assets | 1.5947% | 1,066 |
| Return on Equity (ROE) | 6.9094% | 2,990 |
| Retained earnings to average equity (ytd only) | 6.9094% | 1,574 |
| Net charge-offs to loans | 0.0188% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 114.6000% | 524 |
| Efficiency ratio | 59.0714% | 3,857 |
| Assets per employee ($millions) | 4.9718% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 488 |
| Loan loss allowance to noncurrent loans | 187.6455% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 1,606 |
| Noncurrent loans to loans | 1.0736% | 1,551 |
| Net loans and leases to total assets | 70.7056% | 2,133 |
| Net loans and leases to deposits | 86.3983% | 1,946 |
| Net loans and leases to core deposits | 91.0670% | 2,242 |
| Total domestic deposits to total assets | 81.8367% | 3,460 |
| Equity capital to assets | 17.8602% | 365 |
| Core capital (leverage) ratio | 16.4201% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1149% | 632 |
| Memoranda: | ||
| Average total assets | $143,724,000 | 3,415 |
| Average earning assets | $135,317,500 | 3,379 |
| Average equity | $25,530,500 | 2,741 |
| Average total loans | $106,170,500 | 3,138 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 2,746 |
| Cost of funding earning assets | 0.8253% | 2,560 |
| Net interest margin | 3.7351% | 2,713 |
| Noninterest income to average assets | 0.2420% | 4,227 |
| Noninterest expense to average assets | 2.1892% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2298% | 1,949 |
| Return on assets (ROA) | 1.2298% | 2,034 |
| Pretax return on assets | 1.6085% | 1,462 |
| Return on Equity (ROE) | 6.8928% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.7951% | 1,485 |
| Net charge-offs to loans | -0.2828% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8230% | 4,109 |
| Assets per employee ($millions) | 4.4771% | 3,260 |
| Cash dividends to net income (ytd only)* | 1.4184% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 512 |
| Loan loss allowance to noncurrent loans | 221.6245% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7245% | 1,791 |
| Noncurrent loans to loans | 0.8753% | 1,750 |
| Net loans and leases to total assets | 74.1273% | 1,729 |
| Net loans and leases to deposits | 90.3100% | 1,551 |
| Net loans and leases to core deposits | 95.6266% | 1,930 |
| Total domestic deposits to total assets | 82.0810% | 3,492 |
| Equity capital to assets | 17.6663% | 396 |
| Core capital (leverage) ratio | 16.2015% | 495 |
| Tier 1 risk-based capital ratio | 19.8479% | 1,346 |
| Total risk-based capital ratio | 21.1053% | 1,313 |
| Memoranda: | ||
| Average total assets | $137,582,000 | 3,469 |
| Average earning assets | $130,975,000 | 3,406 |
| Average equity | $24,547,200 | 2,747 |
| Average total loans | $104,655,200 | 3,160 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 3,084 |
| Cost of funding earning assets | 0.8311% | 2,561 |
| Net interest margin | 3.6604% | 3,060 |
| Noninterest income to average assets | 0.2419% | 4,290 |
| Noninterest expense to average assets | 2.0162% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3680% | 1,583 |
| Return on assets (ROA) | 1.3680% | 1,649 |
| Pretax return on assets | 1.7234% | 1,269 |
| Return on Equity (ROE) | 7.6473% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.6473% | 1,558 |
| Net charge-offs to loans | -0.3804% | 5,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9146% | 4,407 |
| Assets per employee ($millions) | 4.5161% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 562 |
| Loan loss allowance to noncurrent loans | 684.6906% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 3,454 |
| Noncurrent loans to loans | 0.2772% | 3,545 |
| Net loans and leases to total assets | 75.1796% | 1,623 |
| Net loans and leases to deposits | 91.3306% | 1,528 |
| Net loans and leases to core deposits | 101.5222% | 1,547 |
| Total domestic deposits to total assets | 82.3159% | 3,383 |
| Equity capital to assets | 17.3263% | 460 |
| Core capital (leverage) ratio | 17.1143% | 425 |
| Tier 1 risk-based capital ratio | 18.4705% | 1,693 |
| Total risk-based capital ratio | 19.7264% | 1,656 |
| Memoranda: | ||
| Average total assets | $136,160,750 | 3,525 |
| Average earning assets | $130,109,000 | 3,459 |
| Average equity | $24,356,500 | 2,777 |
| Average total loans | $103,743,750 | 3,212 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 2,933 |
| Cost of funding earning assets | 0.8430% | 2,433 |
| Net interest margin | 3.6828% | 2,983 |
| Noninterest income to average assets | 0.2444% | 4,290 |
| Noninterest expense to average assets | 1.9374% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4815% | 1,196 |
| Return on assets (ROA) | 1.4815% | 1,248 |
| Pretax return on assets | 1.8444% | 940 |
| Return on Equity (ROE) | 8.1893% | 3,210 |
| Retained earnings to average equity (ytd only) | 8.1893% | 1,319 |
| Net charge-offs to loans | -0.5838% | 5,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2292% | 4,707 |
| Assets per employee ($millions) | 4.8256% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 392 |
| Loan loss allowance to noncurrent loans | 682.1429% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,116 |
| Noncurrent loans to loans | 0.3087% | 3,441 |
| Net loans and leases to total assets | 74.9724% | 1,727 |
| Net loans and leases to deposits | 92.8307% | 1,397 |
| Net loans and leases to core deposits | 108.5825% | 1,057 |
| Total domestic deposits to total assets | 80.7624% | 3,879 |
| Equity capital to assets | 18.9029% | 298 |
| Core capital (leverage) ratio | 18.5508% | 306 |
| Tier 1 risk-based capital ratio | 23.3951% | 907 |
| Total risk-based capital ratio | 24.6539% | 887 |
| Memoranda: | ||
| Average total assets | $133,376,330 | 3,578 |
| Average earning assets | $128,110,330 | 3,506 |
| Average equity | $24,129,000 | 2,787 |
| Average total loans | $101,409,330 | 3,267 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4800% | 2,938 |
| Cost of funding earning assets | 0.8126% | 2,465 |
| Net interest margin | 3.6674% | 3,014 |
| Noninterest income to average assets | 0.2609% | 4,143 |
| Noninterest expense to average assets | 2.0160% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4053% | 1,360 |
| Return on assets (ROA) | 1.4053% | 1,387 |
| Pretax return on assets | 1.7640% | 1,064 |
| Return on Equity (ROE) | 7.9400% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.9400% | 1,689 |
| Net charge-offs to loans | -1.1622% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3333% | 4,596 |
| Assets per employee ($millions) | 5.1410% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1067% | 416 |
| Loan loss allowance to noncurrent loans | 503.1100% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 3,066 |
| Noncurrent loans to loans | 0.4187% | 3,091 |
| Net loans and leases to total assets | 73.1078% | 1,959 |
| Net loans and leases to deposits | 89.5028% | 1,689 |
| Net loans and leases to core deposits | 105.2722% | 1,220 |
| Total domestic deposits to total assets | 81.6821% | 3,803 |
| Equity capital to assets | 18.0419% | 350 |
| Core capital (leverage) ratio | 17.6301% | 356 |
| Tier 1 risk-based capital ratio | 22.6602% | 976 |
| Total risk-based capital ratio | 23.9193% | 947 |
| Memoranda: | ||
| Average total assets | $134,918,500 | 3,595 |
| Average earning assets | $129,463,500 | 3,522 |
| Average equity | $23,879,000 | 2,816 |
| Average total loans | $102,222,000 | 3,288 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 3,003 |
| Cost of funding earning assets | 0.6260% | 2,546 |
| Net interest margin | 3.7046% | 3,018 |
| Noninterest income to average assets | 0.2783% | 4,237 |
| Noninterest expense to average assets | 2.0496% | 4,656 |
| Loan and lease loss provision to assets | 0.1575% | 1,315 |
| Net operating income to assets | 1.3166% | 1,738 |
| Return on assets (ROA) | 1.3166% | 1,723 |
| Pretax return on assets | 1.6407% | 1,338 |
| Return on Equity (ROE) | 7.7077% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.6023% | 1,413 |
| Net charge-offs to loans | 0.2893% | 671 |
| Credit loss provision to net charge-offs | 72.4138% | 2,959 |
| Earnings coverage of net charge-offs (x) | 8.2655% | 2,909 |
| Efficiency ratio | 53.2657% | 4,688 |
| Assets per employee ($millions) | 5.2373% | 2,216 |
| Cash dividends to net income (ytd only)* | 1.3675% | 3,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 792 |
| Loan loss allowance to noncurrent loans | 336.7537% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 2,725 |
| Noncurrent loans to loans | 0.5123% | 2,744 |
| Net loans and leases to total assets | 75.5049% | 1,697 |
| Net loans and leases to deposits | 91.6412% | 1,594 |
| Net loans and leases to core deposits | 106.7077% | 1,214 |
| Total domestic deposits to total assets | 82.3919% | 3,521 |
| Equity capital to assets | 17.3621% | 387 |
| Core capital (leverage) ratio | 17.1594% | 396 |
| Tier 1 risk-based capital ratio | 21.1953% | 1,132 |
| Total risk-based capital ratio | 22.4499% | 1,116 |
| Memoranda: | ||
| Average total assets | $133,294,800 | 3,603 |
| Average earning assets | $128,435,400 | 3,516 |
| Average equity | $22,769,400 | 2,842 |
| Average total loans | $100,247,000 | 3,288 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 3,121 |
| Cost of funding earning assets | 0.5711% | 2,700 |
| Net interest margin | 3.6879% | 3,064 |
| Noninterest income to average assets | 0.2756% | 4,312 |
| Noninterest expense to average assets | 1.9923% | 4,758 |
| Loan and lease loss provision to assets | 0.1106% | 1,826 |
| Net operating income to assets | 1.2108% | 2,200 |
| Return on assets (ROA) | 1.2108% | 2,203 |
| Pretax return on assets | 1.7318% | 1,201 |
| Return on Equity (ROE) | 7.1184% | 3,891 |
| Retained earnings to average equity (ytd only) | 7.1184% | 2,067 |
| Net charge-offs to loans | 0.2541% | 666 |
| Credit loss provision to net charge-offs | 58.2011% | 2,767 |
| Earnings coverage of net charge-offs (x) | 9.6933% | 2,627 |
| Efficiency ratio | 51.9538% | 4,817 |
| Assets per employee ($millions) | 5.4107% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 813 |
| Loan loss allowance to noncurrent loans | 384.8614% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,037 |
| Noncurrent loans to loans | 0.4518% | 3,035 |
| Net loans and leases to total assets | 75.4066% | 1,751 |
| Net loans and leases to deposits | 93.8493% | 1,397 |
| Net loans and leases to core deposits | 109.2579% | 1,085 |
| Total domestic deposits to total assets | 80.3486% | 4,030 |
| Equity capital to assets | 17.0883% | 415 |
| Core capital (leverage) ratio | 17.0063% | 419 |
| Tier 1 risk-based capital ratio | 20.8511% | 1,204 |
| Total risk-based capital ratio | 22.1053% | 1,179 |
| Memoranda: | ||
| Average total assets | $132,576,000 | 3,648 |
| Average earning assets | $127,948,000 | 3,563 |
| Average equity | $22,551,250 | 2,870 |
| Average total loans | $99,153,750 | 3,335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 3,171 |
| Cost of funding earning assets | 0.5212% | 2,826 |
| Net interest margin | 3.6595% | 3,080 |
| Noninterest income to average assets | 0.2795% | 4,317 |
| Noninterest expense to average assets | 2.0094% | 4,783 |
| Loan and lease loss provision to assets | 0.0759% | 2,379 |
| Net operating income to assets | 1.1984% | 2,207 |
| Return on assets (ROA) | 1.1984% | 2,205 |
| Pretax return on assets | 1.7239% | 1,158 |
| Return on Equity (ROE) | 7.0562% | 3,884 |
| Retained earnings to average equity (ytd only) | 7.0562% | 2,051 |
| Net charge-offs to loans | 0.1598% | 962 |
| Credit loss provision to net charge-offs | 64.1026% | 2,402 |
| Earnings coverage of net charge-offs (x) | 15.1923% | 2,056 |
| Efficiency ratio | 52.7512% | 4,806 |
| Assets per employee ($millions) | 5.0554% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8777% | 660 |
| Loan loss allowance to noncurrent loans | 308.8186% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 2,662 |
| Noncurrent loans to loans | 0.6080% | 2,589 |
| Net loans and leases to total assets | 73.7898% | 1,980 |
| Net loans and leases to deposits | 91.9964% | 1,579 |
| Net loans and leases to core deposits | 101.5049% | 1,601 |
| Total domestic deposits to total assets | 80.2094% | 4,192 |
| Equity capital to assets | 17.2701% | 380 |
| Core capital (leverage) ratio | 17.1066% | 384 |
| Tier 1 risk-based capital ratio | 21.4625% | 1,103 |
| Total risk-based capital ratio | 22.7191% | 1,081 |
| Memoranda: | ||
| Average total assets | $131,678,670 | 3,680 |
| Average earning assets | $127,011,330 | 3,603 |
| Average equity | $22,363,330 | 2,895 |
| Average total loans | $97,603,000 | 3,381 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,185 |
| Cost of funding earning assets | 0.4917% | 2,858 |
| Net interest margin | 3.6247% | 3,091 |
| Noninterest income to average assets | 0.2640% | 4,413 |
| Noninterest expense to average assets | 2.0182% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7269% | 650 |
| Return on assets (ROA) | 1.7269% | 659 |
| Pretax return on assets | 1.7360% | 1,031 |
| Return on Equity (ROE) | 10.2546% | 2,295 |
| Retained earnings to average equity (ytd only) | 10.2546% | 1,081 |
| Net charge-offs to loans | -0.0041% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7591% | 4,822 |
| Assets per employee ($millions) | 5.2094% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 593 |
| Loan loss allowance to noncurrent loans | 260.4972% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 1,860 |
| Noncurrent loans to loans | 0.7509% | 2,329 |
| Net loans and leases to total assets | 72.5844% | 2,079 |
| Net loans and leases to deposits | 88.4277% | 1,877 |
| Net loans and leases to core deposits | 97.4335% | 1,873 |
| Total domestic deposits to total assets | 82.0833% | 3,936 |
| Equity capital to assets | 17.2602% | 381 |
| Core capital (leverage) ratio | 16.9386% | 390 |
| Tier 1 risk-based capital ratio | 21.6881% | 1,103 |
| Total risk-based capital ratio | 22.9454% | 1,072 |
| Memoranda: | ||
| Average total assets | $131,797,500 | 3,718 |
| Average earning assets | $126,906,000 | 3,632 |
| Average equity | $22,195,000 | 2,939 |
| Average total loans | $96,981,500 | 3,414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 3,400 |
| Cost of funding earning assets | 0.4321% | 2,939 |
| Net interest margin | 3.5696% | 3,269 |
| Noninterest income to average assets | 0.2935% | 4,357 |
| Noninterest expense to average assets | 1.9960% | 4,964 |
| Loan and lease loss provision to assets | 0.3847% | 389 |
| Net operating income to assets | 0.6790% | 3,683 |
| Return on assets (ROA) | 0.6790% | 3,739 |
| Pretax return on assets | 1.3526% | 2,160 |
| Return on Equity (ROE) | 4.0782% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.0039% | 2,795 |
| Net charge-offs to loans | 0.2125% | 1,222 |
| Credit loss provision to net charge-offs | 254.0816% | 1,086 |
| Earnings coverage of net charge-offs (x) | 11.4745% | 2,572 |
| Efficiency ratio | 53.4658% | 4,991 |
| Assets per employee ($millions) | 5.3344% | 2,117 |
| Cash dividends to net income (ytd only)* | 1.8203% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9324% | 608 |
| Loan loss allowance to noncurrent loans | 227.9323% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9073% | 1,711 |
| Noncurrent loans to loans | 0.8478% | 2,100 |
| Net loans and leases to total assets | 71.7319% | 2,274 |
| Net loans and leases to deposits | 89.7703% | 1,803 |
| Net loans and leases to core deposits | 98.9491% | 1,793 |
| Total domestic deposits to total assets | 79.9061% | 4,352 |
| Equity capital to assets | 16.4301% | 464 |
| Core capital (leverage) ratio | 16.4646% | 424 |
| Tier 1 risk-based capital ratio | 20.6789% | 1,200 |
| Total risk-based capital ratio | 21.9367% | 1,175 |
| Memoranda: | ||
| Average total assets | $129,458,200 | 3,757 |
| Average earning assets | $124,747,200 | 3,674 |
| Average equity | $21,553,800 | 2,988 |
| Average total loans | $92,223,400 | 3,487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9706% | 3,464 |
| Cost of funding earning assets | 0.4181% | 3,001 |
| Net interest margin | 3.5525% | 3,311 |
| Noninterest income to average assets | 0.2903% | 4,452 |
| Noninterest expense to average assets | 1.9275% | 5,097 |
| Loan and lease loss provision to assets | 0.0778% | 2,526 |
| Net operating income to assets | 1.1229% | 1,979 |
| Return on assets (ROA) | 1.1229% | 2,046 |
| Pretax return on assets | 1.7119% | 1,092 |
| Return on Equity (ROE) | 6.6942% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.6942% | 1,845 |
| Net charge-offs to loans | 0.0982% | 1,797 |
| Credit loss provision to net charge-offs | 111.9403% | 2,122 |
| Earnings coverage of net charge-offs (x) | 25.7616% | 1,712 |
| Efficiency ratio | 51.8550% | 5,109 |
| Assets per employee ($millions) | 5.2516% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6802% | 1,066 |
| Loan loss allowance to noncurrent loans | 137.0370% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.1433% | 1,445 |
| Noncurrent loans to loans | 1.2261% | 1,550 |
| Net loans and leases to total assets | 70.9097% | 2,421 |
| Net loans and leases to deposits | 94.2745% | 1,270 |
| Net loans and leases to core deposits | 98.5154% | 1,843 |
| Total domestic deposits to total assets | 75.2161% | 5,107 |
| Equity capital to assets | 16.8572% | 448 |
| Core capital (leverage) ratio | 16.7417% | 404 |
| Tier 1 risk-based capital ratio | 21.2901% | 1,147 |
| Total risk-based capital ratio | 22.5450% | 1,129 |
| Memoranda: | ||
| Average total assets | $128,588,750 | 3,810 |
| Average earning assets | $124,042,500 | 3,711 |
| Average equity | $21,570,250 | 3,016 |
| Average total loans | $90,925,250 | 3,539 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,569 |
| Cost of funding earning assets | 0.3920% | 3,147 |
| Net interest margin | 3.5018% | 3,393 |
| Noninterest income to average assets | 0.2913% | 4,475 |
| Noninterest expense to average assets | 1.9125% | 5,168 |
| Loan and lease loss provision to assets | 0.1175% | 1,750 |
| Net operating income to assets | 1.0541% | 2,191 |
| Return on assets (ROA) | 1.0541% | 2,233 |
| Pretax return on assets | 1.6478% | 1,200 |
| Return on Equity (ROE) | 6.2947% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.2947% | 1,965 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0017% | 5,174 |
| Assets per employee ($millions) | 5.2321% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 906 |
| Loan loss allowance to noncurrent loans | 148.4333% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 1,556 |
| Noncurrent loans to loans | 1.2065% | 1,617 |
| Net loans and leases to total assets | 69.5137% | 2,594 |
| Net loans and leases to deposits | 90.0882% | 1,715 |
| Net loans and leases to core deposits | 94.0221% | 2,152 |
| Total domestic deposits to total assets | 77.1618% | 4,934 |
| Equity capital to assets | 16.6059% | 453 |
| Core capital (leverage) ratio | 16.5511% | 415 |
| Tier 1 risk-based capital ratio | 21.3184% | 1,141 |
| Total risk-based capital ratio | 22.5743% | 1,121 |
| Memoranda: | ||
| Average total assets | $127,688,000 | 3,845 |
| Average earning assets | $123,478,670 | 3,746 |
| Average equity | $21,383,000 | 3,037 |
| Average total loans | $89,670,670 | 3,583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 3,704 |
| Cost of funding earning assets | 0.3683% | 3,336 |
| Net interest margin | 3.4482% | 3,453 |
| Noninterest income to average assets | 0.2949% | 4,439 |
| Noninterest expense to average assets | 1.9979% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0497% | 2,072 |
| Return on assets (ROA) | 1.0497% | 2,119 |
| Pretax return on assets | 1.6523% | 1,119 |
| Return on Equity (ROE) | 6.2412% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.2412% | 2,216 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7350% | 5,067 |
| Assets per employee ($millions) | 5.0073% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 980 |
| Loan loss allowance to noncurrent loans | 165.4127% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 1,707 |
| Noncurrent loans to loans | 1.0796% | 1,899 |
| Net loans and leases to total assets | 69.5446% | 2,459 |
| Net loans and leases to deposits | 84.6242% | 2,207 |
| Net loans and leases to core deposits | 88.4835% | 2,500 |
| Total domestic deposits to total assets | 82.1805% | 4,123 |
| Equity capital to assets | 17.0790% | 380 |
| Core capital (leverage) ratio | 16.6631% | 392 |
| Tier 1 risk-based capital ratio | 21.9930% | 1,087 |
| Total risk-based capital ratio | 23.2487% | 1,066 |
| Memoranda: | ||
| Average total assets | $126,130,500 | 3,903 |
| Average earning assets | $122,729,000 | 3,797 |
| Average equity | $21,214,000 | 3,063 |
| Average total loans | $88,214,000 | 3,639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 3,666 |
| Cost of funding earning assets | 0.3745% | 3,272 |
| Net interest margin | 3.5006% | 3,429 |
| Noninterest income to average assets | 0.2852% | 4,701 |
| Noninterest expense to average assets | 1.9154% | 5,343 |
| Loan and lease loss provision to assets | 0.0159% | 4,055 |
| Net operating income to assets | 1.1402% | 1,730 |
| Return on assets (ROA) | 1.1402% | 1,826 |
| Pretax return on assets | 1.7353% | 922 |
| Return on Equity (ROE) | 7.0394% | 3,447 |
| Retained earnings to average equity (ytd only) | 6.9607% | 1,244 |
| Net charge-offs to loans | -0.0024% | 4,722 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2382% | 5,367 |
| Assets per employee ($millions) | 5.2949% | 2,063 |
| Cash dividends to net income (ytd only)* | 1.1181% | 4,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 942 |
| Loan loss allowance to noncurrent loans | 201.6561% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 2,047 |
| Noncurrent loans to loans | 0.8942% | 2,308 |
| Net loans and leases to total assets | 67.8355% | 2,797 |
| Net loans and leases to deposits | 85.8751% | 2,190 |
| Net loans and leases to core deposits | 89.8932% | 2,510 |
| Total domestic deposits to total assets | 78.9932% | 4,800 |
| Equity capital to assets | 16.5631% | 432 |
| Core capital (leverage) ratio | 16.4667% | 401 |
| Tier 1 risk-based capital ratio | 21.6486% | 1,124 |
| Total risk-based capital ratio | 22.9063% | 1,104 |
| Memoranda: | ||
| Average total assets | $125,508,000 | 3,900 |
| Average earning assets | $121,237,600 | 3,806 |
| Average equity | $20,328,400 | 3,136 |
| Average total loans | $83,889,800 | 3,712 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 3,705 |
| Cost of funding earning assets | 0.3744% | 3,289 |
| Net interest margin | 3.4935% | 3,497 |
| Noninterest income to average assets | 0.2909% | 4,686 |
| Noninterest expense to average assets | 1.9001% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0784% | 2,087 |
| Return on assets (ROA) | 1.0784% | 2,193 |
| Pretax return on assets | 1.7615% | 976 |
| Return on Equity (ROE) | 6.6968% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.6968% | 1,787 |
| Net charge-offs to loans | 0.0096% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 275.4925% | 293 |
| Efficiency ratio | 51.8917% | 5,396 |
| Assets per employee ($millions) | 5.3274% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,060 |
| Loan loss allowance to noncurrent loans | 196.8354% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 2,186 |
| Noncurrent loans to loans | 0.9011% | 2,445 |
| Net loans and leases to total assets | 67.3518% | 2,897 |
| Net loans and leases to deposits | 86.6704% | 2,190 |
| Net loans and leases to core deposits | 91.0181% | 2,476 |
| Total domestic deposits to total assets | 77.7103% | 4,962 |
| Equity capital to assets | 16.1477% | 529 |
| Core capital (leverage) ratio | 16.1915% | 448 |
| Tier 1 risk-based capital ratio | 21.2547% | 1,226 |
| Total risk-based capital ratio | 22.5121% | 1,204 |
| Memoranda: | ||
| Average total assets | $125,115,500 | 3,931 |
| Average earning assets | $120,717,000 | 3,836 |
| Average equity | $20,148,500 | 3,179 |
| Average total loans | $82,915,500 | 3,759 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 3,780 |
| Cost of funding earning assets | 0.3708% | 3,350 |
| Net interest margin | 3.4777% | 3,572 |
| Noninterest income to average assets | 0.3076% | 4,584 |
| Noninterest expense to average assets | 1.8357% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1369% | 1,820 |
| Return on assets (ROA) | 1.1369% | 1,935 |
| Pretax return on assets | 1.8245% | 839 |
| Return on Equity (ROE) | 7.0661% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.0661% | 1,570 |
| Net charge-offs to loans | 0.0074% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 377.6667% | 184 |
| Efficiency ratio | 50.1540% | 5,551 |
| Assets per employee ($millions) | 4.8867% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 925 |
| Loan loss allowance to noncurrent loans | 187.2596% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 2,040 |
| Noncurrent loans to loans | 1.0053% | 2,280 |
| Net loans and leases to total assets | 66.4667% | 3,014 |
| Net loans and leases to deposits | 80.7617% | 2,846 |
| Net loans and leases to core deposits | 84.7663% | 3,010 |
| Total domestic deposits to total assets | 82.2998% | 3,909 |
| Equity capital to assets | 16.6492% | 473 |
| Core capital (leverage) ratio | 16.0458% | 459 |
| Tier 1 risk-based capital ratio | 22.0320% | 1,134 |
| Total risk-based capital ratio | 23.2923% | 1,117 |
| Memoranda: | ||
| Average total assets | $124,201,670 | 3,973 |
| Average earning assets | $119,733,670 | 3,886 |
| Average equity | $19,982,670 | 3,199 |
| Average total loans | $81,331,000 | 3,814 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 3,748 |
| Cost of funding earning assets | 0.3699% | 3,398 |
| Net interest margin | 3.4856% | 3,532 |
| Noninterest income to average assets | 0.2971% | 4,602 |
| Noninterest expense to average assets | 1.8655% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0893% | 1,946 |
| Return on assets (ROA) | 1.0893% | 2,048 |
| Pretax return on assets | 1.7729% | 894 |
| Return on Equity (ROE) | 6.8875% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.8875% | 1,940 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2730% | 5,550 |
| Assets per employee ($millions) | 4.9310% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 880 |
| Loan loss allowance to noncurrent loans | 732.8638% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 3,626 |
| Noncurrent loans to loans | 0.2674% | 4,478 |
| Net loans and leases to total assets | 63.3507% | 3,335 |
| Net loans and leases to deposits | 75.8197% | 3,239 |
| Net loans and leases to core deposits | 79.9089% | 3,328 |
| Total domestic deposits to total assets | 83.5545% | 3,692 |
| Equity capital to assets | 16.2029% | 512 |
| Core capital (leverage) ratio | 15.5990% | 520 |
| Tier 1 risk-based capital ratio | 22.6720% | 1,058 |
| Total risk-based capital ratio | 23.9317% | 1,031 |
| Memoranda: | ||
| Average total assets | $125,218,500 | 3,990 |
| Average earning assets | $120,037,500 | 3,907 |
| Average equity | $19,804,000 | 3,224 |
| Average total loans | $80,617,000 | 3,842 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 3,171 |
| Cost of funding earning assets | 0.3825% | 3,343 |
| Net interest margin | 3.6519% | 2,934 |
| Noninterest income to average assets | 0.3306% | 4,534 |
| Noninterest expense to average assets | 1.8466% | 5,676 |
| Loan and lease loss provision to assets | 0.0522% | 3,272 |
| Net operating income to assets | 1.2784% | 1,326 |
| Return on assets (ROA) | 1.2784% | 1,369 |
| Pretax return on assets | 1.9413% | 609 |
| Return on Equity (ROE) | 8.4653% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.3803% | 807 |
| Net charge-offs to loans | 0.0963% | 2,457 |
| Credit loss provision to net charge-offs | 85.5263% | 2,843 |
| Earnings coverage of net charge-offs (x) | 32.6842% | 1,369 |
| Efficiency ratio | 48.0878% | 5,839 |
| Assets per employee ($millions) | 5.0865% | 2,263 |
| Cash dividends to net income (ytd only)* | 1.0044% | 4,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9135% | 933 |
| Loan loss allowance to noncurrent loans | 6,244.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 4,251 |
| Noncurrent loans to loans | 0.0306% | 5,387 |
| Net loans and leases to total assets | 62.9248% | 3,424 |
| Net loans and leases to deposits | 77.0290% | 3,156 |
| Net loans and leases to core deposits | 80.9422% | 3,247 |
| Total domestic deposits to total assets | 81.6896% | 4,268 |
| Equity capital to assets | 15.4400% | 609 |
| Core capital (leverage) ratio | 15.3782% | 552 |
| Tier 1 risk-based capital ratio | 21.5971% | 1,208 |
| Total risk-based capital ratio | 22.8576% | 1,184 |
| Memoranda: | ||
| Average total assets | $124,605,400 | 3,995 |
| Average earning assets | $119,744,600 | 3,891 |
| Average equity | $18,818,000 | 3,277 |
| Average total loans | $78,933,000 | 3,866 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,599 |
| Cost of funding earning assets | 0.3864% | 3,376 |
| Net interest margin | 3.5497% | 3,339 |
| Noninterest income to average assets | 0.3399% | 4,508 |
| Noninterest expense to average assets | 1.7918% | 5,785 |
| Loan and lease loss provision to assets | 0.0699% | 2,778 |
| Net operating income to assets | 1.2820% | 1,386 |
| Return on assets (ROA) | 1.2820% | 1,442 |
| Pretax return on assets | 1.8972% | 730 |
| Return on Equity (ROE) | 8.5381% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.5381% | 1,045 |
| Net charge-offs to loans | 0.1022% | 2,116 |
| Credit loss provision to net charge-offs | 108.3333% | 2,133 |
| Earnings coverage of net charge-offs (x) | 30.4826% | 1,478 |
| Efficiency ratio | 47.6681% | 5,884 |
| Assets per employee ($millions) | 5.1923% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9749% | 951 |
| Loan loss allowance to noncurrent loans | 7,509.5238% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 4,423 |
| Noncurrent loans to loans | 0.0263% | 5,528 |
| Net loans and leases to total assets | 62.8140% | 3,479 |
| Net loans and leases to deposits | 77.7363% | 3,124 |
| Net loans and leases to core deposits | 81.8194% | 3,270 |
| Total domestic deposits to total assets | 80.8039% | 4,523 |
| Equity capital to assets | 15.4469% | 652 |
| Core capital (leverage) ratio | 14.9831% | 638 |
| Tier 1 risk-based capital ratio | 21.6676% | 1,241 |
| Total risk-based capital ratio | 22.9283% | 1,213 |
| Memoranda: | ||
| Average total assets | $123,966,000 | 4,044 |
| Average earning assets | $119,404,500 | 3,929 |
| Average equity | $18,614,000 | 3,329 |
| Average total loans | $78,271,750 | 3,915 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 3,696 |
| Cost of funding earning assets | 0.3856% | 3,420 |
| Net interest margin | 3.5139% | 3,445 |
| Noninterest income to average assets | 0.3297% | 4,597 |
| Noninterest expense to average assets | 1.8069% | 5,837 |
| Loan and lease loss provision to assets | 0.1051% | 2,077 |
| Net operating income to assets | 1.1895% | 1,632 |
| Return on assets (ROA) | 1.1895% | 1,702 |
| Pretax return on assets | 1.8053% | 891 |
| Return on Equity (ROE) | 7.9990% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.9990% | 1,269 |
| Net charge-offs to loans | 0.1544% | 1,557 |
| Credit loss provision to net charge-offs | 108.3333% | 1,943 |
| Earnings coverage of net charge-offs (x) | 19.7000% | 1,741 |
| Efficiency ratio | 48.6087% | 5,928 |
| Assets per employee ($millions) | 5.2997% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9510% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,251.5873% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 4,236 |
| Noncurrent loans to loans | 0.1559% | 5,127 |
| Net loans and leases to total assets | 62.3090% | 3,509 |
| Net loans and leases to deposits | 77.2700% | 3,122 |
| Net loans and leases to core deposits | 81.2524% | 3,257 |
| Total domestic deposits to total assets | 80.6379% | 4,706 |
| Equity capital to assets | 14.7753% | 750 |
| Core capital (leverage) ratio | 14.6586% | 677 |
| Tier 1 risk-based capital ratio | 20.8037% | 1,407 |
| Total risk-based capital ratio | 22.0639% | 1,378 |
| Memoranda: | ||
| Average total assets | $123,750,000 | 4,079 |
| Average earning assets | $119,297,670 | 3,963 |
| Average equity | $18,402,330 | 3,372 |
| Average total loans | $77,745,000 | 3,957 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 3,794 |
| Cost of funding earning assets | 0.3797% | 3,529 |
| Net interest margin | 3.4780% | 3,517 |
| Noninterest income to average assets | 0.3311% | 4,543 |
| Noninterest expense to average assets | 1.8651% | 5,808 |
| Loan and lease loss provision to assets | 0.2131% | 833 |
| Net operating income to assets | 0.9899% | 2,312 |
| Return on assets (ROA) | 0.9899% | 2,440 |
| Pretax return on assets | 1.6160% | 1,233 |
| Return on Equity (ROE) | 6.6348% | 3,692 |
| Retained earnings to average equity (ytd only) | 6.6348% | 2,172 |
| Net charge-offs to loans | 0.1680% | 1,268 |
| Credit loss provision to net charge-offs | 203.1250% | 1,033 |
| Earnings coverage of net charge-offs (x) | 17.4375% | 1,523 |
| Efficiency ratio | 50.4880% | 5,888 |
| Assets per employee ($millions) | 4.9348% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0996% | 920 |
| Loan loss allowance to noncurrent loans | 5,732.1429% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,683 |
| Noncurrent loans to loans | 0.0366% | 5,644 |
| Net loans and leases to total assets | 60.6609% | 3,566 |
| Net loans and leases to deposits | 71.8098% | 3,552 |
| Net loans and leases to core deposits | 75.2564% | 3,665 |
| Total domestic deposits to total assets | 84.4745% | 3,624 |
| Equity capital to assets | 14.8803% | 736 |
| Core capital (leverage) ratio | 14.4969% | 694 |
| Tier 1 risk-based capital ratio | 21.3780% | 1,354 |
| Total risk-based capital ratio | 22.6352% | 1,326 |
| Memoranda: | ||
| Average total assets | $122,029,000 | 4,145 |
| Average earning assets | $118,000,000 | 4,017 |
| Average equity | $18,207,000 | 3,418 |
| Average total loans | $76,203,000 | 4,014 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8630% | 4,273 |
| Cost of funding earning assets | 0.4169% | 3,517 |
| Net interest margin | 3.4461% | 3,996 |
| Noninterest income to average assets | 0.4383% | 3,914 |
| Noninterest expense to average assets | 1.8881% | 5,953 |
| Loan and lease loss provision to assets | 0.0620% | 3,280 |
| Net operating income to assets | 1.2025% | 1,580 |
| Return on assets (ROA) | 1.2025% | 1,634 |
| Pretax return on assets | 1.8037% | 784 |
| Return on Equity (ROE) | 8.4020% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.3095% | 904 |
| Net charge-offs to loans | 0.0181% | 4,492 |
| Credit loss provision to net charge-offs | 576.9231% | 466 |
| Earnings coverage of net charge-offs (x) | 173.5385% | 308 |
| Efficiency ratio | 50.2974% | 6,077 |
| Assets per employee ($millions) | 4.6418% | 2,809 |
| Cash dividends to net income (ytd only)* | 1.1004% | 4,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0694% | 996 |
| Loan loss allowance to noncurrent loans | 6,046.1538% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,709 |
| Noncurrent loans to loans | 0.0342% | 5,753 |
| Net loans and leases to total assets | 61.6396% | 3,550 |
| Net loans and leases to deposits | 72.6212% | 3,605 |
| Net loans and leases to core deposits | 76.0139% | 3,707 |
| Total domestic deposits to total assets | 84.8782% | 3,335 |
| Equity capital to assets | 14.9610% | 712 |
| Core capital (leverage) ratio | 14.7133% | 662 |
| Tier 1 risk-based capital ratio | 20.7975% | 1,443 |
| Total risk-based capital ratio | 22.0530% | 1,416 |
| Memoranda: | ||
| Average total assets | $120,915,200 | 4,160 |
| Average earning assets | $116,334,800 | 4,046 |
| Average equity | $17,305,400 | 3,488 |
| Average total loans | $72,012,800 | 4,124 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 4,363 |
| Cost of funding earning assets | 0.4213% | 3,561 |
| Net interest margin | 3.4310% | 4,105 |
| Noninterest income to average assets | 0.3924% | 4,305 |
| Noninterest expense to average assets | 1.8715% | 5,993 |
| Loan and lease loss provision to assets | 0.0661% | 3,026 |
| Net operating income to assets | 1.1044% | 2,008 |
| Return on assets (ROA) | 1.1044% | 2,074 |
| Pretax return on assets | 1.7491% | 982 |
| Return on Equity (ROE) | 7.8046% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.8046% | 1,445 |
| Net charge-offs to loans | 0.0113% | 4,344 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 274.4938% | 247 |
| Efficiency ratio | 50.7623% | 6,065 |
| Assets per employee ($millions) | 4.6871% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 997 |
| Loan loss allowance to noncurrent loans | 4,227.0270% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 4,894 |
| Noncurrent loans to loans | 0.0512% | 5,810 |
| Net loans and leases to total assets | 58.0303% | 4,065 |
| Net loans and leases to deposits | 68.1514% | 4,110 |
| Net loans and leases to core deposits | 71.2941% | 4,222 |
| Total domestic deposits to total assets | 85.1490% | 3,280 |
| Equity capital to assets | 14.4587% | 860 |
| Core capital (leverage) ratio | 14.4701% | 735 |
| Tier 1 risk-based capital ratio | 21.0355% | 1,445 |
| Total risk-based capital ratio | 22.2927% | 1,422 |
| Memoranda: | ||
| Average total assets | $120,972,250 | 4,197 |
| Average earning assets | $116,152,000 | 4,086 |
| Average equity | $17,117,750 | 3,531 |
| Average total loans | $71,025,250 | 4,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,547 |
| Cost of funding earning assets | 0.4269% | 3,583 |
| Net interest margin | 3.3685% | 4,319 |
| Noninterest income to average assets | 0.4011% | 4,240 |
| Noninterest expense to average assets | 1.8131% | 6,125 |
| Loan and lease loss provision to assets | 0.0497% | 3,309 |
| Net operating income to assets | 1.1353% | 1,799 |
| Return on assets (ROA) | 1.1353% | 1,885 |
| Pretax return on assets | 1.7816% | 874 |
| Return on Equity (ROE) | 8.0824% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.0824% | 1,296 |
| Net charge-offs to loans | 0.0113% | 4,026 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 276.2500% | 246 |
| Efficiency ratio | 49.7499% | 6,181 |
| Assets per employee ($millions) | 4.8143% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1032% | 1,168 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5101% | 4,478 |
| Noncurrent loans to loans | 0.8413% | 3,606 |
| Net loans and leases to total assets | 59.3634% | 3,807 |
| Net loans and leases to deposits | 69.6022% | 3,870 |
| Net loans and leases to core deposits | 72.8511% | 3,961 |
| Total domestic deposits to total assets | 85.2896% | 3,365 |
| Equity capital to assets | 14.3764% | 854 |
| Core capital (leverage) ratio | 14.2160% | 769 |
| Tier 1 risk-based capital ratio | 20.6094% | 1,540 |
| Total risk-based capital ratio | 21.8660% | 1,513 |
| Memoranda: | ||
| Average total assets | $120,675,000 | 4,222 |
| Average earning assets | $116,192,670 | 4,103 |
| Average equity | $16,950,330 | 3,548 |
| Average total loans | $70,606,330 | 4,213 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7188% | 4,782 |
| Cost of funding earning assets | 0.4254% | 3,694 |
| Net interest margin | 3.2934% | 4,567 |
| Noninterest income to average assets | 0.3708% | 4,426 |
| Noninterest expense to average assets | 1.8207% | 6,191 |
| Loan and lease loss provision to assets | 0.0497% | 3,103 |
| Net operating income to assets | 1.0328% | 2,075 |
| Return on assets (ROA) | 1.0328% | 2,149 |
| Pretax return on assets | 1.6783% | 1,020 |
| Return on Equity (ROE) | 7.4401% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,846 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3060% | 6,176 |
| Assets per employee ($millions) | 4.9172% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2147% | 1,135 |
| Loan loss allowance to noncurrent loans | 347.3804% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3571% | 5,092 |
| Noncurrent loans to loans | 0.6375% | 4,268 |
| Net loans and leases to total assets | 54.7730% | 4,311 |
| Net loans and leases to deposits | 63.7213% | 4,345 |
| Net loans and leases to core deposits | 66.4407% | 4,454 |
| Total domestic deposits to total assets | 85.9572% | 3,389 |
| Equity capital to assets | 13.7720% | 1,003 |
| Core capital (leverage) ratio | 13.7660% | 905 |
| Tier 1 risk-based capital ratio | 21.1013% | 1,453 |
| Total risk-based capital ratio | 22.3589% | 1,430 |
| Memoranda: | ||
| Average total assets | $120,834,000 | 4,256 |
| Average earning assets | $116,595,500 | 4,126 |
| Average equity | $16,774,000 | 3,579 |
| Average total loans | $69,418,000 | 4,282 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,362 |
| Cost of funding earning assets | 0.4907% | 3,699 |
| Net interest margin | 3.4358% | 4,145 |
| Noninterest income to average assets | 0.4167% | 4,329 |
| Noninterest expense to average assets | 1.8004% | 6,318 |
| Loan and lease loss provision to assets | 0.0937% | 3,245 |
| Net operating income to assets | 1.2006% | 1,562 |
| Return on assets (ROA) | 1.2006% | 1,632 |
| Pretax return on assets | 1.8217% | 716 |
| Return on Equity (ROE) | 8.8459% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.7455% | 834 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4522% | 6,477 |
| Assets per employee ($millions) | 4.7495% | 2,512 |
| Cash dividends to net income (ytd only)* | 1.1356% | 4,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 1,241 |
| Loan loss allowance to noncurrent loans | 341.6290% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 5,132 |
| Noncurrent loans to loans | 0.6316% | 4,401 |
| Net loans and leases to total assets | 57.6636% | 4,090 |
| Net loans and leases to deposits | 67.2059% | 4,158 |
| Net loans and leases to core deposits | 70.1833% | 4,274 |
| Total domestic deposits to total assets | 85.8014% | 3,360 |
| Equity capital to assets | 13.9956% | 897 |
| Core capital (leverage) ratio | 14.0631% | 809 |
| Tier 1 risk-based capital ratio | 20.6530% | 1,501 |
| Total risk-based capital ratio | 21.9107% | 1,472 |
| Memoranda: | ||
| Average total assets | $117,361,600 | 4,331 |
| Average earning assets | $112,694,400 | 4,206 |
| Average equity | $15,928,200 | 3,712 |
| Average total loans | $65,842,600 | 4,415 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9173% | 4,435 |
| Cost of funding earning assets | 0.5033% | 3,737 |
| Net interest margin | 3.4140% | 4,233 |
| Noninterest income to average assets | 0.4147% | 4,414 |
| Noninterest expense to average assets | 1.7023% | 6,465 |
| Loan and lease loss provision to assets | 0.1082% | 2,960 |
| Net operating income to assets | 1.1964% | 1,650 |
| Return on assets (ROA) | 1.1964% | 1,721 |
| Pretax return on assets | 1.8812% | 738 |
| Return on Equity (ROE) | 8.8855% | 2,694 |
| Retained earnings to average equity (ytd only) | 8.8855% | 1,093 |
| Net charge-offs to loans | 0.0062% | 5,055 |
| Credit loss provision to net charge-offs | 3,166.6667% | 109 |
| Earnings coverage of net charge-offs (x) | 581.9850% | 98 |
| Efficiency ratio | 46.1111% | 6,584 |
| Assets per employee ($millions) | 4.7015% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1960% | 1,332 |
| Loan loss allowance to noncurrent loans | 304.9080% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 5,082 |
| Noncurrent loans to loans | 0.7202% | 4,412 |
| Net loans and leases to total assets | 56.4966% | 4,247 |
| Net loans and leases to deposits | 65.8871% | 4,321 |
| Net loans and leases to core deposits | 68.8342% | 4,451 |
| Total domestic deposits to total assets | 85.7476% | 3,379 |
| Equity capital to assets | 13.8466% | 1,006 |
| Core capital (leverage) ratio | 13.8175% | 918 |
| Tier 1 risk-based capital ratio | 20.6964% | 1,562 |
| Total risk-based capital ratio | 21.9540% | 1,533 |
| Memoranda: | ||
| Average total assets | $117,017,750 | 4,378 |
| Average earning assets | $112,319,250 | 4,255 |
| Average equity | $15,755,750 | 3,783 |
| Average total loans | $64,808,750 | 4,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9028% | 4,464 |
| Cost of funding earning assets | 0.5160% | 3,740 |
| Net interest margin | 3.3869% | 4,240 |
| Noninterest income to average assets | 0.4125% | 4,430 |
| Noninterest expense to average assets | 1.5662% | 6,620 |
| Loan and lease loss provision to assets | 0.1369% | 2,616 |
| Net operating income to assets | 1.2735% | 1,391 |
| Return on assets (ROA) | 1.2735% | 1,490 |
| Pretax return on assets | 1.9564% | 653 |
| Return on Equity (ROE) | 9.5491% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.5491% | 951 |
| Net charge-offs to loans | 0.0157% | 4,524 |
| Credit loss provision to net charge-offs | 1,600.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 244.6000% | 214 |
| Efficiency ratio | 42.7970% | 6,737 |
| Assets per employee ($millions) | 4.8999% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,458 |
| Loan loss allowance to noncurrent loans | 354.5673% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 5,318 |
| Noncurrent loans to loans | 0.6160% | 4,714 |
| Net loans and leases to total assets | 56.1758% | 4,254 |
| Net loans and leases to deposits | 65.2654% | 4,346 |
| Net loans and leases to core deposits | 67.9864% | 4,501 |
| Total domestic deposits to total assets | 86.0728% | 3,321 |
| Equity capital to assets | 13.5794% | 1,094 |
| Core capital (leverage) ratio | 13.6865% | 915 |
| Tier 1 risk-based capital ratio | 20.4249% | 1,623 |
| Total risk-based capital ratio | 21.6822% | 1,596 |
| Memoranda: | ||
| Average total assets | $116,844,330 | 4,418 |
| Average earning assets | $112,021,330 | 4,290 |
| Average equity | $15,582,670 | 3,838 |
| Average total loans | $63,779,670 | 4,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8679% | 4,594 |
| Cost of funding earning assets | 0.5291% | 3,790 |
| Net interest margin | 3.3388% | 4,357 |
| Noninterest income to average assets | 0.4053% | 4,417 |
| Noninterest expense to average assets | 1.7550% | 6,491 |
| Loan and lease loss provision to assets | 0.0515% | 3,758 |
| Net operating income to assets | 1.1299% | 1,744 |
| Return on assets (ROA) | 1.1299% | 1,862 |
| Pretax return on assets | 1.8065% | 870 |
| Return on Equity (ROE) | 8.5513% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.5513% | 1,540 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5741% | 6,585 |
| Assets per employee ($millions) | 4.8836% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,389 |
| Loan loss allowance to noncurrent loans | 276.3672% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4710% | 5,206 |
| Noncurrent loans to loans | 0.8372% | 4,448 |
| Net loans and leases to total assets | 50.9684% | 4,848 |
| Net loans and leases to deposits | 58.9656% | 4,912 |
| Net loans and leases to core deposits | 61.1043% | 5,044 |
| Total domestic deposits to total assets | 86.4376% | 3,282 |
| Equity capital to assets | 13.2707% | 1,309 |
| Core capital (leverage) ratio | 13.2479% | 1,025 |
| Tier 1 risk-based capital ratio | 21.5310% | 1,419 |
| Total risk-based capital ratio | 22.7893% | 1,388 |
| Memoranda: | ||
| Average total assets | $116,468,000 | 4,471 |
| Average earning assets | $111,896,500 | 4,336 |
| Average equity | $15,389,500 | 3,919 |
| Average total loans | $61,901,500 | 4,637 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 4,908 |
| Cost of funding earning assets | 0.6519% | 3,901 |
| Net interest margin | 3.4587% | 4,673 |
| Noninterest income to average assets | 0.4407% | 4,315 |
| Noninterest expense to average assets | 2.0129% | 6,300 |
| Loan and lease loss provision to assets | 0.1419% | 3,829 |
| Net operating income to assets | 1.1013% | 1,931 |
| Return on assets (ROA) | 1.1013% | 2,117 |
| Pretax return on assets | 1.5979% | 1,397 |
| Return on Equity (ROE) | 8.4882% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.3789% | 1,005 |
| Net charge-offs to loans | 0.0119% | 5,754 |
| Credit loss provision to net charge-offs | 2,285.7143% | 104 |
| Earnings coverage of net charge-offs (x) | 280.2857% | 140 |
| Efficiency ratio | 53.6389% | 6,300 |
| Assets per employee ($millions) | 4.6292% | 2,735 |
| Cash dividends to net income (ytd only)* | 1.2882% | 4,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2346% | 1,493 |
| Loan loss allowance to noncurrent loans | 284.5528% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 5,331 |
| Noncurrent loans to loans | 0.7853% | 4,609 |
| Net loans and leases to total assets | 52.9249% | 4,771 |
| Net loans and leases to deposits | 61.1314% | 4,895 |
| Net loans and leases to core deposits | 63.3710% | 5,029 |
| Total domestic deposits to total assets | 86.5757% | 3,057 |
| Equity capital to assets | 13.1556% | 1,374 |
| Core capital (leverage) ratio | 13.2997% | 1,016 |
| Tier 1 risk-based capital ratio | 20.7326% | 1,521 |
| Total risk-based capital ratio | 21.8533% | 1,517 |
| Memoranda: | ||
| Average total assets | $112,773,600 | 4,526 |
| Average earning assets | $107,990,000 | 4,392 |
| Average equity | $14,632,000 | 4,034 |
| Average total loans | $58,961,800 | 4,755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1170% | 5,126 |
| Cost of funding earning assets | 0.6787% | 3,944 |
| Net interest margin | 3.4383% | 4,884 |
| Noninterest income to average assets | 0.3761% | 4,814 |
| Noninterest expense to average assets | 1.8732% | 6,570 |
| Loan and lease loss provision to assets | 0.0536% | 5,078 |
| Net operating income to assets | 1.1734% | 1,821 |
| Return on assets (ROA) | 1.1734% | 2,011 |
| Pretax return on assets | 1.7411% | 1,180 |
| Return on Equity (ROE) | 9.0766% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.0766% | 1,200 |
| Net charge-offs to loans | 0.0138% | 5,506 |
| Credit loss provision to net charge-offs | 750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 251.3275% | 182 |
| Efficiency ratio | 51.0707% | 6,514 |
| Assets per employee ($millions) | 4.6792% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1520% | 1,801 |
| Loan loss allowance to noncurrent loans | 1,917.9104% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.2395% | 6,097 |
| Noncurrent loans to loans | 0.1122% | 6,333 |
| Net loans and leases to total assets | 52.0276% | 5,039 |
| Net loans and leases to deposits | 60.3286% | 5,166 |
| Net loans and leases to core deposits | 62.7822% | 5,285 |
| Total domestic deposits to total assets | 86.2404% | 3,126 |
| Equity capital to assets | 13.3437% | 1,416 |
| Core capital (leverage) ratio | 13.2442% | 1,090 |
| Tier 1 risk-based capital ratio | 21.0825% | 1,506 |
| Total risk-based capital ratio | 22.3388% | 1,476 |
| Memoranda: | ||
| Average total assets | $112,034,500 | 4,585 |
| Average earning assets | $107,258,750 | 4,459 |
| Average equity | $14,483,750 | 4,110 |
| Average total loans | $58,039,750 | 4,839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0842% | 5,373 |
| Cost of funding earning assets | 0.6972% | 4,035 |
| Net interest margin | 3.3871% | 5,130 |
| Noninterest income to average assets | 0.3698% | 4,874 |
| Noninterest expense to average assets | 1.8116% | 6,739 |
| Loan and lease loss provision to assets | 0.0536% | 4,990 |
| Net operating income to assets | 1.1899% | 1,748 |
| Return on assets (ROA) | 1.1899% | 1,946 |
| Pretax return on assets | 1.7508% | 1,135 |
| Return on Equity (ROE) | 9.3038% | 2,669 |
| Retained earnings to average equity (ytd only) | 9.3038% | 1,173 |
| Net charge-offs to loans | -0.0035% | 6,128 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0988% | 6,642 |
| Assets per employee ($millions) | 4.7193% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1493% | 1,891 |
| Loan loss allowance to noncurrent loans | 1,907.4627% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 6,177 |
| Noncurrent loans to loans | 0.1127% | 6,379 |
| Net loans and leases to total assets | 51.3694% | 5,173 |
| Net loans and leases to deposits | 59.2678% | 5,308 |
| Net loans and leases to core deposits | 61.4207% | 5,442 |
| Total domestic deposits to total assets | 86.6734% | 2,968 |
| Equity capital to assets | 12.9487% | 1,545 |
| Core capital (leverage) ratio | 12.9619% | 1,161 |
| Tier 1 risk-based capital ratio | 20.5173% | 1,568 |
| Total risk-based capital ratio | 21.7736% | 1,552 |
| Memoranda: | ||
| Average total assets | $111,946,000 | 4,619 |
| Average earning assets | $107,291,000 | 4,479 |
| Average equity | $14,316,670 | 4,135 |
| Average total loans | $57,482,330 | 4,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 5,645 |
| Cost of funding earning assets | 0.7346% | 3,990 |
| Net interest margin | 3.3020% | 5,471 |
| Noninterest income to average assets | 0.3415% | 5,122 |
| Noninterest expense to average assets | 1.8546% | 6,728 |
| Loan and lease loss provision to assets | 0.0539% | 4,737 |
| Net operating income to assets | 1.0244% | 2,385 |
| Return on assets (ROA) | 1.0244% | 2,572 |
| Pretax return on assets | 1.5995% | 1,582 |
| Return on Equity (ROE) | 8.0611% | 3,258 |
| Retained earnings to average equity (ytd only) | 8.0611% | 1,963 |
| Net charge-offs to loans | -0.0071% | 5,862 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8689% | 6,455 |
| Assets per employee ($millions) | 4.7861% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2834% | 1,703 |
| Loan loss allowance to noncurrent loans | 1,214.4231% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,304 |
| Noncurrent loans to loans | 0.1880% | 6,305 |
| Net loans and leases to total assets | 47.0544% | 5,680 |
| Net loans and leases to deposits | 53.9314% | 5,815 |
| Net loans and leases to core deposits | 55.4188% | 5,953 |
| Total domestic deposits to total assets | 87.2487% | 2,802 |
| Equity capital to assets | 12.4353% | 1,762 |
| Core capital (leverage) ratio | 12.7151% | 1,233 |
| Tier 1 risk-based capital ratio | 21.3118% | 1,422 |
| Total risk-based capital ratio | 22.5695% | 1,395 |
| Memoranda: | ||
| Average total assets | $111,288,000 | 4,681 |
| Average earning assets | $106,724,500 | 4,521 |
| Average equity | $14,142,000 | 4,176 |
| Average total loans | $56,493,500 | 4,964 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 5,544 |
| Cost of funding earning assets | 0.8692% | 4,328 |
| Net interest margin | 3.4989% | 5,148 |
| Noninterest income to average assets | 0.4435% | 4,279 |
| Noninterest expense to average assets | 2.1466% | 6,390 |
| Loan and lease loss provision to assets | 0.1162% | 5,148 |
| Net operating income to assets | 1.0457% | 2,022 |
| Return on assets (ROA) | 1.0457% | 2,169 |
| Pretax return on assets | 1.5482% | 1,345 |
| Return on Equity (ROE) | 8.0210% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.9022% | 1,116 |
| Net charge-offs to loans | -0.0054% | 6,842 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3262% | 6,275 |
| Assets per employee ($millions) | 4.1427% | 3,568 |
| Cash dividends to net income (ytd only)* | 1.4815% | 4,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1622% | 1,877 |
| Loan loss allowance to noncurrent loans | 1,979.3651% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,442 |
| Noncurrent loans to loans | 0.1092% | 6,540 |
| Net loans and leases to total assets | 52.3884% | 5,251 |
| Net loans and leases to deposits | 60.4895% | 5,437 |
| Net loans and leases to core deposits | 62.4891% | 5,601 |
| Total domestic deposits to total assets | 86.6074% | 2,973 |
| Equity capital to assets | 12.9980% | 1,483 |
| Core capital (leverage) ratio | 12.9816% | 1,149 |
| Tier 1 risk-based capital ratio | 20.7036% | 1,478 |
| Total risk-based capital ratio | 21.9606% | 1,448 |
| Memoranda: | ||
| Average total assets | $103,279,000 | 4,810 |
| Average earning assets | $99,402,200 | 4,652 |
| Average equity | $13,464,600 | 4,246 |
| Average total loans | $55,810,400 | 5,034 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 5,758 |
| Cost of funding earning assets | 0.8930% | 4,447 |
| Net interest margin | 3.4609% | 5,354 |
| Noninterest income to average assets | 0.4437% | 4,340 |
| Noninterest expense to average assets | 2.0110% | 6,669 |
| Loan and lease loss provision to assets | 0.1174% | 4,968 |
| Net operating income to assets | 1.0792% | 2,048 |
| Return on assets (ROA) | 1.0792% | 2,190 |
| Pretax return on assets | 1.6482% | 1,263 |
| Return on Equity (ROE) | 8.2714% | 2,927 |
| Retained earnings to average equity (ytd only) | 8.2714% | 1,402 |
| Net charge-offs to loans | -0.0072% | 6,745 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2481% | 6,569 |
| Assets per employee ($millions) | 4.0695% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,962 |
| Loan loss allowance to noncurrent loans | 1,872.3077% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 6,520 |
| Noncurrent loans to loans | 0.1149% | 6,645 |
| Net loans and leases to total assets | 52.3136% | 5,411 |
| Net loans and leases to deposits | 60.4788% | 5,584 |
| Net loans and leases to core deposits | 62.8472% | 5,729 |
| Total domestic deposits to total assets | 86.4991% | 2,934 |
| Equity capital to assets | 13.0075% | 1,611 |
| Core capital (leverage) ratio | 13.2147% | 1,142 |
| Tier 1 risk-based capital ratio | 20.9722% | 1,461 |
| Total risk-based capital ratio | 22.2293% | 1,437 |
| Memoranda: | ||
| Average total assets | $102,171,500 | 4,865 |
| Average earning assets | $98,392,750 | 4,710 |
| Average equity | $13,330,750 | 4,284 |
| Average total loans | $55,344,500 | 5,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 5,884 |
| Cost of funding earning assets | 0.9084% | 4,595 |
| Net interest margin | 3.4283% | 5,452 |
| Noninterest income to average assets | 0.4200% | 4,510 |
| Noninterest expense to average assets | 2.0246% | 6,738 |
| Loan and lease loss provision to assets | 0.1189% | 4,786 |
| Net operating income to assets | 1.0202% | 2,138 |
| Return on assets (ROA) | 1.0202% | 2,233 |
| Pretax return on assets | 1.5808% | 1,293 |
| Return on Equity (ROE) | 7.8109% | 3,034 |
| Retained earnings to average equity (ytd only) | 7.8109% | 1,525 |
| Net charge-offs to loans | -0.0073% | 6,634 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3617% | 6,587 |
| Assets per employee ($millions) | 3.9299% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 2,074 |
| Loan loss allowance to noncurrent loans | 1,795.4545% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 6,562 |
| Noncurrent loans to loans | 0.1181% | 6,683 |
| Net loans and leases to total assets | 53.5291% | 5,362 |
| Net loans and leases to deposits | 61.9731% | 5,507 |
| Net loans and leases to core deposits | 64.4844% | 5,672 |
| Total domestic deposits to total assets | 86.3748% | 3,111 |
| Equity capital to assets | 13.1643% | 1,441 |
| Core capital (leverage) ratio | 12.9747% | 1,178 |
| Tier 1 risk-based capital ratio | 20.9400% | 1,430 |
| Total risk-based capital ratio | 22.1978% | 1,409 |
| Memoranda: | ||
| Average total assets | $100,959,330 | 4,934 |
| Average earning assets | $97,309,000 | 4,779 |
| Average equity | $13,186,670 | 4,297 |
| Average total loans | $54,936,330 | 5,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 5,999 |
| Cost of funding earning assets | 0.9328% | 4,701 |
| Net interest margin | 3.3745% | 5,525 |
| Noninterest income to average assets | 0.3906% | 4,781 |
| Noninterest expense to average assets | 2.0369% | 6,764 |
| Loan and lease loss provision to assets | 0.1196% | 4,516 |
| Net operating income to assets | 0.9447% | 2,376 |
| Return on assets (ROA) | 0.9447% | 2,441 |
| Pretax return on assets | 1.4788% | 1,505 |
| Return on Equity (ROE) | 7.2619% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.2619% | 2,037 |
| Net charge-offs to loans | -0.0147% | 6,473 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0307% | 6,504 |
| Assets per employee ($millions) | 4.1345% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 2,070 |
| Loan loss allowance to noncurrent loans | 1,144.5545% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.2544% | 6,544 |
| Noncurrent loans to loans | 0.1882% | 6,593 |
| Net loans and leases to total assets | 50.8103% | 5,739 |
| Net loans and leases to deposits | 58.5020% | 5,880 |
| Net loans and leases to core deposits | 60.8267% | 6,034 |
| Total domestic deposits to total assets | 86.8522% | 3,022 |
| Equity capital to assets | 12.7444% | 1,503 |
| Core capital (leverage) ratio | 12.7893% | 1,200 |
| Tier 1 risk-based capital ratio | 21.6929% | 1,282 |
| Total risk-based capital ratio | 22.9510% | 1,250 |
| Memoranda: | ||
| Average total assets | $100,350,000 | 4,997 |
| Average earning assets | $96,488,000 | 4,839 |
| Average equity | $13,054,500 | 4,328 |
| Average total loans | $54,464,500 | 5,235 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 4,408 |
| Cost of funding earning assets | 1.2067% | 4,525 |
| Net interest margin | 3.8238% | 3,848 |
| Noninterest income to average assets | 0.4926% | 4,228 |
| Noninterest expense to average assets | 2.3717% | 6,164 |
| Loan and lease loss provision to assets | 0.1271% | 5,892 |
| Net operating income to assets | 1.0328% | 1,928 |
| Return on assets (ROA) | 1.0328% | 2,033 |
| Pretax return on assets | 1.4914% | 1,400 |
| Return on Equity (ROE) | 7.8040% | 2,780 |
| Retained earnings to average equity (ytd only) | 7.6759% | 1,092 |
| Net charge-offs to loans | 0.0181% | 6,635 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 152.8000% | 162 |
| Efficiency ratio | 59.4372% | 6,131 |
| Assets per employee ($millions) | 3.8935% | 4,022 |
| Cash dividends to net income (ytd only)* | 1.6410% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 2,213 |
| Loan loss allowance to noncurrent loans | 638.6364% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,390 |
| Noncurrent loans to loans | 0.3185% | 6,419 |
| Net loans and leases to total assets | 55.6109% | 5,400 |
| Net loans and leases to deposits | 64.4259% | 5,579 |
| Net loans and leases to core deposits | 65.6527% | 5,911 |
| Total domestic deposits to total assets | 86.3176% | 3,190 |
| Equity capital to assets | 13.2899% | 1,259 |
| Core capital (leverage) ratio | 13.1788% | 1,067 |
| Tier 1 risk-based capital ratio | 21.3635% | 1,268 |
| Total risk-based capital ratio | 22.6202% | 1,239 |
| Memoranda: | ||
| Average total assets | $94,406,600 | 5,147 |
| Average earning assets | $86,354,000 | 5,137 |
| Average equity | $12,493,600 | 4,481 |
| Average total loans | $55,213,200 | 5,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 4,006 |
| Cost of funding earning assets | 1.2554% | 4,542 |
| Net interest margin | 3.9113% | 3,484 |
| Noninterest income to average assets | 0.4854% | 4,295 |
| Noninterest expense to average assets | 2.2119% | 6,571 |
| Loan and lease loss provision to assets | 0.1281% | 5,743 |
| Net operating income to assets | 1.2098% | 1,571 |
| Return on assets (ROA) | 1.2098% | 1,652 |
| Pretax return on assets | 1.6753% | 1,161 |
| Return on Equity (ROE) | 9.1521% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.1521% | 1,007 |
| Net charge-offs to loans | 0.0048% | 6,600 |
| Credit loss provision to net charge-offs | 4,500.0000% | 58 |
| Earnings coverage of net charge-offs (x) | 632.6929% | 45 |
| Efficiency ratio | 55.0868% | 6,672 |
| Assets per employee ($millions) | 3.5454% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9724% | 2,297 |
| Loan loss allowance to noncurrent loans | 583.0688% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.4346% | 6,337 |
| Noncurrent loans to loans | 0.3383% | 6,516 |
| Net loans and leases to total assets | 57.2127% | 5,379 |
| Net loans and leases to deposits | 66.5120% | 5,604 |
| Net loans and leases to core deposits | 67.8006% | 5,963 |
| Total domestic deposits to total assets | 86.0186% | 3,064 |
| Equity capital to assets | 13.3985% | 1,394 |
| Core capital (leverage) ratio | 13.2853% | 1,125 |
| Tier 1 risk-based capital ratio | 20.7514% | 1,405 |
| Total risk-based capital ratio | 22.0085% | 1,379 |
| Memoranda: | ||
| Average total assets | $93,674,000 | 5,227 |
| Average earning assets | $84,539,750 | 5,250 |
| Average equity | $12,383,000 | 4,577 |
| Average total loans | $55,203,000 | 5,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 4,321 |
| Cost of funding earning assets | 1.2895% | 4,600 |
| Net interest margin | 3.8351% | 3,736 |
| Noninterest income to average assets | 0.4818% | 4,270 |
| Noninterest expense to average assets | 2.1508% | 6,762 |
| Loan and lease loss provision to assets | 0.1290% | 5,590 |
| Net operating income to assets | 1.1872% | 1,591 |
| Return on assets (ROA) | 1.1872% | 1,660 |
| Pretax return on assets | 1.6561% | 1,154 |
| Return on Equity (ROE) | 9.0231% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.0231% | 1,099 |
| Net charge-offs to loans | 0.0109% | 6,194 |
| Credit loss provision to net charge-offs | 2,000.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 276.6667% | 121 |
| Efficiency ratio | 54.6448% | 6,800 |
| Assets per employee ($millions) | 3.4783% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 2,414 |
| Loan loss allowance to noncurrent loans | 582.0652% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,364 |
| Noncurrent loans to loans | 0.3262% | 6,576 |
| Net loans and leases to total assets | 58.9290% | 5,260 |
| Net loans and leases to deposits | 68.4181% | 5,507 |
| Net loans and leases to core deposits | 69.7582% | 5,901 |
| Total domestic deposits to total assets | 86.1308% | 3,013 |
| Equity capital to assets | 13.3400% | 1,419 |
| Core capital (leverage) ratio | 12.8292% | 1,266 |
| Tier 1 risk-based capital ratio | 20.0253% | 1,515 |
| Total risk-based capital ratio | 21.2800% | 1,478 |
| Memoranda: | ||
| Average total assets | $92,989,670 | 5,278 |
| Average earning assets | $83,753,000 | 5,308 |
| Average equity | $12,235,330 | 4,613 |
| Average total loans | $54,980,670 | 5,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0864% | 4,596 |
| Cost of funding earning assets | 1.3395% | 4,567 |
| Net interest margin | 3.7468% | 4,023 |
| Noninterest income to average assets | 0.4409% | 4,555 |
| Noninterest expense to average assets | 2.2653% | 6,498 |
| Loan and lease loss provision to assets | 0.1297% | 5,273 |
| Net operating income to assets | 0.9684% | 2,306 |
| Return on assets (ROA) | 0.9684% | 2,368 |
| Pretax return on assets | 1.3834% | 1,826 |
| Return on Equity (ROE) | 7.4117% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.4117% | 1,969 |
| Net charge-offs to loans | 0.0369% | 5,062 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 70.0000% | 439 |
| Efficiency ratio | 59.9542% | 6,183 |
| Assets per employee ($millions) | 3.5993% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9087% | 2,415 |
| Loan loss allowance to noncurrent loans | 351.0135% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 6,262 |
| Noncurrent loans to loans | 0.5438% | 6,201 |
| Net loans and leases to total assets | 57.0563% | 5,595 |
| Net loans and leases to deposits | 65.9702% | 5,825 |
| Net loans and leases to core deposits | 67.2574% | 6,182 |
| Total domestic deposits to total assets | 86.4879% | 2,903 |
| Equity capital to assets | 13.0376% | 1,510 |
| Core capital (leverage) ratio | 13.0403% | 1,203 |
| Tier 1 risk-based capital ratio | 19.7245% | 1,578 |
| Total risk-based capital ratio | 20.9855% | 1,538 |
| Memoranda: | ||
| Average total assets | $92,528,000 | 5,366 |
| Average earning assets | $82,416,000 | 5,421 |
| Average equity | $12,089,000 | 4,697 |
| Average total loans | $54,264,500 | 5,480 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 3,770 |
| Cost of funding earning assets | 1.7092% | 4,454 |
| Net interest margin | 3.8581% | 3,443 |
| Noninterest income to average assets | 0.4838% | 4,537 |
| Noninterest expense to average assets | 2.5048% | 6,109 |
| Loan and lease loss provision to assets | 0.1389% | 6,251 |
| Net operating income to assets | 0.7917% | 2,562 |
| Return on assets (ROA) | 0.7917% | 2,656 |
| Pretax return on assets | 1.2524% | 1,823 |
| Return on Equity (ROE) | 5.8790% | 3,262 |
| Retained earnings to average equity (ytd only) | 5.7415% | 1,451 |
| Net charge-offs to loans | 0.0132% | 7,037 |
| Credit loss provision to net charge-offs | 1,714.2857% | 186 |
| Earnings coverage of net charge-offs (x) | 171.7143% | 166 |
| Efficiency ratio | 64.2900% | 5,718 |
| Assets per employee ($millions) | 3.5182% | 4,969 |
| Cash dividends to net income (ytd only)* | 2.3392% | 3,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 2,332 |
| Loan loss allowance to noncurrent loans | 400.7905% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 6,316 |
| Noncurrent loans to loans | 0.4677% | 6,321 |
| Net loans and leases to total assets | 58.0291% | 5,659 |
| Net loans and leases to deposits | 67.1325% | 5,929 |
| Net loans and leases to core deposits | 75.3949% | 6,445 |
| Total domestic deposits to total assets | 86.4397% | 2,794 |
| Equity capital to assets | 13.0935% | 1,474 |
| Core capital (leverage) ratio | 13.1281% | 1,213 |
| Tier 1 risk-based capital ratio | 19.6592% | 1,533 |
| Total risk-based capital ratio | 20.9149% | 1,492 |
| Memoranda: | ||
| Average total assets | $86,395,800 | 5,509 |
| Average earning assets | $76,411,000 | 5,586 |
| Average equity | $11,634,600 | 4,829 |
| Average total loans | $53,181,000 | 5,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6154% | 3,773 |
| Cost of funding earning assets | 1.7878% | 4,435 |
| Net interest margin | 3.8276% | 3,541 |
| Noninterest income to average assets | 0.4526% | 4,883 |
| Noninterest expense to average assets | 2.3760% | 6,489 |
| Loan and lease loss provision to assets | 0.1410% | 5,947 |
| Net operating income to assets | 0.8427% | 2,645 |
| Return on assets (ROA) | 0.8427% | 2,706 |
| Pretax return on assets | 1.3360% | 1,857 |
| Return on Equity (ROE) | 6.2111% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.2111% | 1,846 |
| Net charge-offs to loans | 0.0126% | 6,746 |
| Credit loss provision to net charge-offs | 1,800.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 188.5007% | 206 |
| Efficiency ratio | 61.6667% | 6,171 |
| Assets per employee ($millions) | 3.3303% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 2,327 |
| Loan loss allowance to noncurrent loans | 348.7633% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 6,184 |
| Noncurrent loans to loans | 0.5117% | 6,284 |
| Net loans and leases to total assets | 62.7343% | 5,116 |
| Net loans and leases to deposits | 73.2573% | 5,475 |
| Net loans and leases to core deposits | 83.1639% | 6,106 |
| Total domestic deposits to total assets | 85.6356% | 2,897 |
| Equity capital to assets | 13.6807% | 1,424 |
| Core capital (leverage) ratio | 13.6271% | 1,195 |
| Tier 1 risk-based capital ratio | 19.4057% | 1,663 |
| Total risk-based capital ratio | 20.6605% | 1,623 |
| Memoranda: | ||
| Average total assets | $85,126,500 | 5,587 |
| Average earning assets | $75,623,250 | 5,647 |
| Average equity | $11,549,000 | 4,912 |
| Average total loans | $52,952,500 | 5,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5621% | 4,272 |
| Cost of funding earning assets | 1.8549% | 4,490 |
| Net interest margin | 3.7072% | 3,920 |
| Noninterest income to average assets | 0.3970% | 5,320 |
| Noninterest expense to average assets | 2.3772% | 6,536 |
| Loan and lease loss provision to assets | 0.1418% | 5,652 |
| Net operating income to assets | 0.6924% | 3,290 |
| Return on assets (ROA) | 0.6924% | 3,402 |
| Pretax return on assets | 1.1886% | 2,332 |
| Return on Equity (ROE) | 5.1179% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.1179% | 2,447 |
| Net charge-offs to loans | 0.0192% | 6,250 |
| Credit loss provision to net charge-offs | 1,200.0000% | 411 |
| Earnings coverage of net charge-offs (x) | 112.6000% | 341 |
| Efficiency ratio | 64.1173% | 5,894 |
| Assets per employee ($millions) | 3.3004% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 2,170 |
| Loan loss allowance to noncurrent loans | 389.0244% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 6,224 |
| Noncurrent loans to loans | 0.4509% | 6,397 |
| Net loans and leases to total assets | 62.4675% | 5,274 |
| Net loans and leases to deposits | 72.8384% | 5,625 |
| Net loans and leases to core deposits | 82.4487% | 6,204 |
| Total domestic deposits to total assets | 85.7617% | 2,899 |
| Equity capital to assets | 13.5192% | 1,487 |
| Core capital (leverage) ratio | 13.5001% | 1,273 |
| Tier 1 risk-based capital ratio | 19.2887% | 1,722 |
| Total risk-based capital ratio | 20.5424% | 1,677 |
| Memoranda: | ||
| Average total assets | $84,639,000 | 5,624 |
| Average earning assets | $75,583,330 | 5,690 |
| Average equity | $11,450,000 | 4,962 |
| Average total loans | $52,167,330 | 5,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 5,172 |
| Cost of funding earning assets | 1.9043% | 4,609 |
| Net interest margin | 3.5463% | 4,539 |
| Noninterest income to average assets | 0.3617% | 5,547 |
| Noninterest expense to average assets | 2.3033% | 6,527 |
| Loan and lease loss provision to assets | 0.1428% | 5,115 |
| Net operating income to assets | 0.6329% | 3,872 |
| Return on assets (ROA) | 0.6329% | 4,052 |
| Pretax return on assets | 1.1326% | 2,865 |
| Return on Equity (ROE) | 4.6771% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.6771% | 3,320 |
| Net charge-offs to loans | -0.0157% | 7,377 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3617% | 5,617 |
| Assets per employee ($millions) | 3.2819% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8536% | 1,732 |
| Loan loss allowance to noncurrent loans | 493.6508% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 6,242 |
| Noncurrent loans to loans | 0.3755% | 6,480 |
| Net loans and leases to total assets | 57.8947% | 5,959 |
| Net loans and leases to deposits | 67.3423% | 6,239 |
| Net loans and leases to core deposits | 75.2662% | 6,730 |
| Total domestic deposits to total assets | 85.9708% | 2,738 |
| Equity capital to assets | 13.4081% | 1,566 |
| Core capital (leverage) ratio | 13.1771% | 1,425 |
| Tier 1 risk-based capital ratio | 20.1717% | 1,590 |
| Total risk-based capital ratio | 21.4271% | 1,546 |
| Memoranda: | ||
| Average total assets | $84,053,000 | 5,668 |
| Average earning assets | $76,248,500 | 5,685 |
| Average equity | $11,374,500 | 5,010 |
| Average total loans | $50,970,500 | 5,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1128% | 4,975 |
| Cost of funding earning assets | 2.5284% | 4,059 |
| Net interest margin | 3.5844% | 4,952 |
| Noninterest income to average assets | 0.4852% | 4,742 |
| Noninterest expense to average assets | 2.4854% | 6,068 |
| Loan and lease loss provision to assets | 0.1424% | 5,533 |
| Net operating income to assets | 0.8435% | 3,251 |
| Return on assets (ROA) | 0.8435% | 3,082 |
| Pretax return on assets | 1.2279% | 2,556 |
| Return on Equity (ROE) | 6.4496% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.3044% | 1,393 |
| Net charge-offs to loans | 0.2441% | 3,823 |
| Credit loss provision to net charge-offs | 98.3607% | 5,435 |
| Earnings coverage of net charge-offs (x) | 9.4672% | 2,681 |
| Efficiency ratio | 64.4615% | 5,462 |
| Assets per employee ($millions) | 3.1837% | 5,531 |
| Cash dividends to net income (ytd only)* | 2.2504% | 4,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 1,777 |
| Loan loss allowance to noncurrent loans | 500.5556% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 5,948 |
| Noncurrent loans to loans | 0.3488% | 6,325 |
| Net loans and leases to total assets | 61.2561% | 5,733 |
| Net loans and leases to deposits | 71.5156% | 6,115 |
| Net loans and leases to core deposits | 79.9325% | 6,624 |
| Total domestic deposits to total assets | 85.6542% | 2,564 |
| Equity capital to assets | 13.6608% | 1,546 |
| Core capital (leverage) ratio | 13.5482% | 1,371 |
| Tier 1 risk-based capital ratio | 19.2088% | 1,768 |
| Total risk-based capital ratio | 20.4624% | 1,719 |
| Memoranda: | ||
| Average total assets | $84,293,200 | 5,552 |
| Average earning assets | $79,260,400 | 5,460 |
| Average equity | $11,024,000 | 5,113 |
| Average total loans | $49,976,800 | 5,703 |