Home > Farmers Savings Bank & Trust > Performance and Condition Ratios
Farmers Savings Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 4,157 |
| Cost of funding earning assets | 0.8910% | 3,535 |
| Net interest margin | 2.9318% | 3,424 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 1.8573% | 3,911 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0819% | 1,969 |
| Return on assets (ROA) | 1.1060% | 1,875 |
| Pretax return on assets | 1.1516% | 2,256 |
| Return on Equity (ROE) | 35.6200% | 121 |
| Retained earnings to average equity (ytd only) | 13.8810% | 409 |
| Net charge-offs to loans | 0.0246% | 1,822 |
| Credit loss provision to net charge-offs | 970.8333% | 424 |
| Earnings coverage of net charge-offs (x) | 110.5417% | 855 |
| Efficiency ratio | 60.0632% | 3,067 |
| Assets per employee ($millions) | 9.6948% | 771 |
| Cash dividends to net income (ytd only)* | 61.0269% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 4,293 |
| Loan loss allowance to noncurrent loans | 468.8525% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,200 |
| Noncurrent loans to loans | 0.1185% | 2,930 |
| Net loans and leases to total assets | 48.0100% | 3,726 |
| Net loans and leases to deposits | 56.3319% | 3,695 |
| Net loans and leases to core deposits | 59.1381% | 3,795 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 3.6866% | 4,514 |
| Core capital (leverage) ratio | 9.3561% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3304% | 1,021 |
| Memoranda: | ||
| Average total assets | $214,829,800 | 2,875 |
| Average earning assets | $201,342,600 | 2,853 |
| Average equity | $6,671,000 | 4,086 |
| Average total loans | $97,438,800 | 3,204 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,157 |
| Cost of funding earning assets | 0.8041% | 3,506 |
| Net interest margin | 2.9461% | 3,439 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.8542% | 3,875 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0780% | 2,122 |
| Return on assets (ROA) | 1.1077% | 2,011 |
| Pretax return on assets | 1.1573% | 2,394 |
| Return on Equity (ROE) | 37.4100% | 137 |
| Retained earnings to average equity (ytd only) | 13.3476% | 768 |
| Net charge-offs to loans | 0.0222% | 1,651 |
| Credit loss provision to net charge-offs | 1,218.7500% | 356 |
| Earnings coverage of net charge-offs (x) | 125.8125% | 819 |
| Efficiency ratio | 59.7883% | 2,988 |
| Assets per employee ($millions) | 9.1927% | 872 |
| Cash dividends to net income (ytd only)* | 64.3177% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5471% | 4,320 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 46.4300% | 3,811 |
| Net loans and leases to deposits | 50.0551% | 3,931 |
| Net loans and leases to core deposits | 51.7288% | 3,988 |
| Total domestic deposits to total assets | 92.7500% | 342 |
| Equity capital to assets | 2.1203% | 4,539 |
| Core capital (leverage) ratio | 9.2132% | 3,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2794% | 1,057 |
| Memoranda: | ||
| Average total assets | $215,215,750 | 2,884 |
| Average earning assets | $201,797,000 | 2,864 |
| Average equity | $6,373,000 | 4,133 |
| Average total loans | $96,057,000 | 3,223 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 4,174 |
| Cost of funding earning assets | 0.6766% | 3,550 |
| Net interest margin | 2.9944% | 3,445 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8080% | 3,982 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.1743% | 1,896 |
| Return on assets (ROA) | 1.2204% | 1,765 |
| Pretax return on assets | 1.2740% | 2,151 |
| Return on Equity (ROE) | 37.7100% | 122 |
| Retained earnings to average equity (ytd only) | 16.3011% | 440 |
| Net charge-offs to loans | 0.0336% | 1,223 |
| Credit loss provision to net charge-offs | 931.2500% | 432 |
| Earnings coverage of net charge-offs (x) | 92.2500% | 983 |
| Efficiency ratio | 57.0055% | 3,305 |
| Assets per employee ($millions) | 9.1230% | 872 |
| Cash dividends to net income (ytd only)* | 56.7752% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5252% | 4,360 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 44.6800% | 3,855 |
| Net loans and leases to deposits | 49.8185% | 3,923 |
| Net loans and leases to core deposits | 51.3244% | 3,973 |
| Total domestic deposits to total assets | 89.6900% | 1,017 |
| Equity capital to assets | 3.3046% | 4,553 |
| Core capital (leverage) ratio | 9.1103% | 3,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9421% | 971 |
| Memoranda: | ||
| Average total assets | $216,479,333 | 2,888 |
| Average earning assets | $203,380,667 | 2,867 |
| Average equity | $7,005,667 | 4,076 |
| Average total loans | $95,176,667 | 3,230 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 4,160 |
| Cost of funding earning assets | 0.5696% | 3,479 |
| Net interest margin | 3.0243% | 3,541 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.8395% | 3,965 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.1354% | 2,111 |
| Return on assets (ROA) | 1.1354% | 2,079 |
| Pretax return on assets | 1.1954% | 2,435 |
| Return on Equity (ROE) | 35.2500% | 157 |
| Retained earnings to average equity (ytd only) | 14.0658% | 930 |
| Net charge-offs to loans | 0.0669% | 739 |
| Credit loss provision to net charge-offs | 500.0000% | 542 |
| Earnings coverage of net charge-offs (x) | 46.0625% | 1,129 |
| Efficiency ratio | 57.8375% | 3,209 |
| Assets per employee ($millions) | 9.0870% | 905 |
| Cash dividends to net income (ytd only)* | 60.0962% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4432% | 4,477 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.9500% | 3,911 |
| Net loans and leases to deposits | 46.0951% | 4,036 |
| Net loans and leases to core deposits | 46.8662% | 4,083 |
| Total domestic deposits to total assets | 93.1900% | 276 |
| Equity capital to assets | 3.2537% | 4,587 |
| Core capital (leverage) ratio | 8.8387% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3524% | 1,100 |
| Memoranda: | ||
| Average total assets | $219,843,500 | 2,910 |
| Average earning assets | $206,464,000 | 2,889 |
| Average equity | $7,081,000 | 4,112 |
| Average total loans | $95,637,000 | 3,263 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9942% | 4,140 |
| Cost of funding earning assets | 0.3193% | 2,727 |
| Net interest margin | 2.6748% | 4,086 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.7539% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0710% | 2,295 |
| Return on assets (ROA) | 1.0710% | 2,233 |
| Pretax return on assets | 1.1257% | 2,687 |
| Return on Equity (ROE) | 24.2400% | 238 |
| Retained earnings to average equity (ytd only) | 14.5930% | 325 |
| Net charge-offs to loans | 0.0216% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 132.0526% | 845 |
| Efficiency ratio | 60.9068% | 2,925 |
| Assets per employee ($millions) | 8.8640% | 960 |
| Cash dividends to net income (ytd only)* | 39.7989% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3643% | 4,521 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.6900% | 3,908 |
| Net loans and leases to deposits | 48.5204% | 3,956 |
| Net loans and leases to core deposits | 49.4093% | 3,999 |
| Total domestic deposits to total assets | 90.0500% | 1,342 |
| Equity capital to assets | 3.1886% | 4,596 |
| Core capital (leverage) ratio | 8.6708% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6360% | 1,202 |
| Memoranda: | ||
| Average total assets | $222,876,800 | 2,888 |
| Average earning assets | $209,508,200 | 2,863 |
| Average equity | $9,847,200 | 3,888 |
| Average total loans | $88,028,000 | 3,308 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8621% | 4,114 |
| Cost of funding earning assets | 0.3107% | 2,054 |
| Net interest margin | 2.5514% | 4,164 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.7371% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9785% | 2,547 |
| Return on assets (ROA) | 0.9785% | 2,529 |
| Pretax return on assets | 1.0305% | 2,933 |
| Return on Equity (ROE) | 20.7200% | 383 |
| Retained earnings to average equity (ytd only) | 13.1275% | 587 |
| Net charge-offs to loans | -0.0031% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.7671% | 2,717 |
| Assets per employee ($millions) | 9.4305% | 778 |
| Cash dividends to net income (ytd only)* | 36.6300% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4323% | 4,526 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 38.1600% | 4,143 |
| Net loans and leases to deposits | 41.2133% | 4,202 |
| Net loans and leases to core deposits | 41.9259% | 4,225 |
| Total domestic deposits to total assets | 92.5900% | 684 |
| Equity capital to assets | 2.3245% | 4,647 |
| Core capital (leverage) ratio | 8.5502% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2209% | 1,138 |
| Memoranda: | ||
| Average total assets | $223,196,250 | 2,901 |
| Average earning assets | $209,863,000 | 2,880 |
| Average equity | $10,542,500 | 3,858 |
| Average total loans | $85,740,500 | 3,347 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7392% | 4,087 |
| Cost of funding earning assets | 0.3198% | 1,529 |
| Net interest margin | 2.4194% | 4,203 |
| Noninterest income to average assets | 0.3394% | 3,120 |
| Noninterest expense to average assets | 1.7367% | 4,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8328% | 2,843 |
| Return on assets (ROA) | 0.8328% | 2,820 |
| Pretax return on assets | 0.8778% | 3,126 |
| Return on Equity (ROE) | 15.0370% | 880 |
| Retained earnings to average equity (ytd only) | 8.5345% | 1,423 |
| Net charge-offs to loans | -0.0023% | 3,163 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4256% | 2,453 |
| Assets per employee ($millions) | 8.8052% | 952 |
| Cash dividends to net income (ytd only)* | 43.2432% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4491% | 4,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 37.6577% | 4,183 |
| Net loans and leases to deposits | 40.2901% | 4,259 |
| Net loans and leases to core deposits | 41.1828% | 4,291 |
| Total domestic deposits to total assets | 93.4666% | 402 |
| Equity capital to assets | 2.9687% | 4,689 |
| Core capital (leverage) ratio | 8.2626% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6110% | 1,054 |
| Memoranda: | ||
| Average total assets | $222,151,333 | 2,929 |
| Average earning assets | $208,895,667 | 2,925 |
| Average equity | $12,303,000 | 3,759 |
| Average total loans | $85,406,667 | 3,387 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6420% | 4,047 |
| Cost of funding earning assets | 0.3248% | 1,415 |
| Net interest margin | 2.3173% | 4,209 |
| Noninterest income to average assets | 0.3639% | 2,913 |
| Noninterest expense to average assets | 1.7225% | 4,104 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7725% | 2,758 |
| Return on assets (ROA) | 0.7725% | 2,750 |
| Pretax return on assets | 0.8156% | 3,060 |
| Return on Equity (ROE) | 11.3518% | 1,503 |
| Retained earnings to average equity (ytd only) | 6.0842% | 2,225 |
| Net charge-offs to loans | -0.0046% | 3,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8672% | 2,526 |
| Assets per employee ($millions) | 9.4425% | 783 |
| Cash dividends to net income (ytd only)* | 46.4037% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4344% | 4,631 |
| Loan loss allowance to noncurrent loans | 37,500.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,127 |
| Noncurrent loans to loans | 0.0012% | 4,052 |
| Net loans and leases to total assets | 36.4098% | 4,185 |
| Net loans and leases to deposits | 39.8042% | 4,255 |
| Net loans and leases to core deposits | 40.6103% | 4,293 |
| Total domestic deposits to total assets | 91.4722% | 814 |
| Equity capital to assets | 5.3181% | 4,685 |
| Core capital (leverage) ratio | 8.6038% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2895% | 1,697 |
| Memoranda: | ||
| Average total assets | $223,162,000 | 2,937 |
| Average earning assets | $209,385,000 | 2,933 |
| Average equity | $15,187,000 | 3,546 |
| Average total loans | $86,475,000 | 3,380 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0936% | 3,695 |
| Cost of funding earning assets | 0.4054% | 1,510 |
| Net interest margin | 2.6882% | 3,896 |
| Noninterest income to average assets | 0.4942% | 2,596 |
| Noninterest expense to average assets | 1.9010% | 3,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0575% | 2,450 |
| Return on assets (ROA) | 1.0882% | 2,411 |
| Pretax return on assets | 1.1424% | 2,844 |
| Return on Equity (ROE) | 12.4357% | 1,678 |
| Retained earnings to average equity (ytd only) | 5.5059% | 2,564 |
| Net charge-offs to loans | -0.0056% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1338% | 2,693 |
| Assets per employee ($millions) | 8.4104% | 1,114 |
| Cash dividends to net income (ytd only)* | 55.7255% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 4,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 41.0214% | 4,031 |
| Net loans and leases to deposits | 46.3586% | 4,077 |
| Net loans and leases to core deposits | 47.5184% | 4,117 |
| Total domestic deposits to total assets | 88.4872% | 1,795 |
| Equity capital to assets | 8.4752% | 4,064 |
| Core capital (leverage) ratio | 8.6392% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,252,600 | 2,985 |
| Average earning assets | $196,860,200 | 2,983 |
| Average equity | $18,398,600 | 3,355 |
| Average total loans | $89,178,400 | 3,348 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2025% | 3,601 |
| Cost of funding earning assets | 0.4146% | 1,587 |
| Net interest margin | 2.7879% | 3,808 |
| Noninterest income to average assets | 0.5067% | 2,597 |
| Noninterest expense to average assets | 1.9088% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1460% | 2,384 |
| Return on assets (ROA) | 1.1605% | 2,387 |
| Pretax return on assets | 1.2226% | 2,859 |
| Return on Equity (ROE) | 13.1581% | 1,651 |
| Retained earnings to average equity (ytd only) | 5.4286% | 3,061 |
| Net charge-offs to loans | -0.0074% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2536% | 2,794 |
| Assets per employee ($millions) | 9.1984% | 837 |
| Cash dividends to net income (ytd only)* | 58.7432% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4234% | 4,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 39.7362% | 4,221 |
| Net loans and leases to deposits | 45.3900% | 4,256 |
| Net loans and leases to core deposits | 46.4079% | 4,308 |
| Total domestic deposits to total assets | 87.5440% | 2,087 |
| Equity capital to assets | 8.4915% | 4,217 |
| Core capital (leverage) ratio | 8.7773% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,250,500 | 3,018 |
| Average earning assets | $196,797,000 | 3,015 |
| Average equity | $18,543,250 | 3,382 |
| Average total loans | $89,816,750 | 3,379 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5035% | 2,881 |
| Cost of funding earning assets | 0.4331% | 1,636 |
| Net interest margin | 3.0704% | 3,117 |
| Noninterest income to average assets | 0.5630% | 2,361 |
| Noninterest expense to average assets | 1.9734% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3826% | 1,619 |
| Return on assets (ROA) | 1.4046% | 1,616 |
| Pretax return on assets | 1.4791% | 2,083 |
| Return on Equity (ROE) | 15.7180% | 1,013 |
| Retained earnings to average equity (ytd only) | 8.1404% | 2,029 |
| Net charge-offs to loans | -0.0089% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5458% | 3,340 |
| Assets per employee ($millions) | 8.9645% | 872 |
| Cash dividends to net income (ytd only)* | 48.2094% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4143% | 4,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.3666% | 4,084 |
| Net loans and leases to deposits | 49.4519% | 4,139 |
| Net loans and leases to core deposits | 50.8037% | 4,195 |
| Total domestic deposits to total assets | 87.6945% | 1,988 |
| Equity capital to assets | 8.8319% | 3,942 |
| Core capital (leverage) ratio | 8.6490% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $206,747,000 | 3,044 |
| Average earning assets | $193,005,667 | 3,041 |
| Average equity | $18,475,667 | 3,385 |
| Average total loans | $90,390,667 | 3,391 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 2,164 |
| Cost of funding earning assets | 0.4436% | 1,770 |
| Net interest margin | 3.3345% | 2,285 |
| Noninterest income to average assets | 0.4463% | 2,843 |
| Noninterest expense to average assets | 1.9321% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5264% | 1,271 |
| Return on assets (ROA) | 1.5264% | 1,334 |
| Pretax return on assets | 1.6075% | 1,706 |
| Return on Equity (ROE) | 16.9815% | 853 |
| Retained earnings to average equity (ytd only) | 9.9954% | 1,645 |
| Net charge-offs to loans | 0.0088% | 1,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 224 |
| Efficiency ratio | 54.5852% | 3,724 |
| Assets per employee ($millions) | 9.1177% | 796 |
| Cash dividends to net income (ytd only)* | 41.1392% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3975% | 4,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.1348% | 4,227 |
| Net loans and leases to deposits | 48.0534% | 4,263 |
| Net loans and leases to core deposits | 49.2800% | 4,331 |
| Total domestic deposits to total assets | 87.6833% | 2,004 |
| Equity capital to assets | 8.4351% | 4,168 |
| Core capital (leverage) ratio | 8.9227% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $207,028,500 | 3,024 |
| Average earning assets | $192,050,500 | 3,041 |
| Average equity | $18,608,500 | 3,362 |
| Average total loans | $90,692,500 | 3,399 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 3,718 |
| Cost of funding earning assets | 0.5530% | 2,591 |
| Net interest margin | 3.0874% | 3,663 |
| Noninterest income to average assets | 0.4916% | 2,669 |
| Noninterest expense to average assets | 2.1401% | 3,850 |
| Loan and lease loss provision to assets | 0.0110% | 4,224 |
| Net operating income to assets | 1.1597% | 1,688 |
| Return on assets (ROA) | 1.1597% | 1,806 |
| Pretax return on assets | 1.2171% | 2,271 |
| Return on Equity (ROE) | 11.7167% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.7736% | 2,934 |
| Net charge-offs to loans | 0.0155% | 2,793 |
| Credit loss provision to net charge-offs | 142.8571% | 2,464 |
| Earnings coverage of net charge-offs (x) | 159.0000% | 550 |
| Efficiency ratio | 63.5381% | 2,887 |
| Assets per employee ($millions) | 7.5090% | 1,276 |
| Cash dividends to net income (ytd only)* | 67.7926% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4143% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 45.3038% | 4,173 |
| Net loans and leases to deposits | 53.0194% | 4,163 |
| Net loans and leases to core deposits | 54.6633% | 4,226 |
| Total domestic deposits to total assets | 85.4476% | 2,593 |
| Equity capital to assets | 9.6085% | 3,504 |
| Core capital (leverage) ratio | 8.9267% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,255,600 | 3,094 |
| Average earning assets | $168,882,000 | 3,084 |
| Average equity | $17,940,200 | 3,370 |
| Average total loans | $90,241,400 | 3,396 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 3,608 |
| Cost of funding earning assets | 0.5694% | 2,809 |
| Net interest margin | 3.2155% | 3,446 |
| Noninterest income to average assets | 0.4920% | 2,642 |
| Noninterest expense to average assets | 2.1804% | 3,724 |
| Loan and lease loss provision to assets | 0.0152% | 4,132 |
| Net operating income to assets | 1.2286% | 1,553 |
| Return on assets (ROA) | 1.2286% | 1,672 |
| Pretax return on assets | 1.2953% | 2,070 |
| Return on Equity (ROE) | 12.3140% | 1,295 |
| Retained earnings to average equity (ytd only) | 4.2325% | 2,933 |
| Net charge-offs to loans | 0.0206% | 2,444 |
| Credit loss provision to net charge-offs | 142.8571% | 2,365 |
| Earnings coverage of net charge-offs (x) | 124.7857% | 680 |
| Efficiency ratio | 62.4624% | 2,999 |
| Assets per employee ($millions) | 8.1031% | 961 |
| Cash dividends to net income (ytd only)* | 65.6288% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4003% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.1959% | 4,358 |
| Net loans and leases to deposits | 53.1369% | 4,370 |
| Net loans and leases to core deposits | 54.6387% | 4,425 |
| Total domestic deposits to total assets | 85.0556% | 2,411 |
| Equity capital to assets | 9.1752% | 3,974 |
| Core capital (leverage) ratio | 9.6435% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,761,250 | 3,112 |
| Average earning assets | $165,777,000 | 3,099 |
| Average equity | $17,735,500 | 3,391 |
| Average total loans | $90,597,750 | 3,402 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,174 |
| Cost of funding earning assets | 0.5969% | 2,983 |
| Net interest margin | 3.4588% | 2,922 |
| Noninterest income to average assets | 0.5168% | 2,503 |
| Noninterest expense to average assets | 2.3494% | 3,401 |
| Loan and lease loss provision to assets | 0.0236% | 3,953 |
| Net operating income to assets | 1.3027% | 1,350 |
| Return on assets (ROA) | 1.3027% | 1,458 |
| Pretax return on assets | 1.3712% | 1,800 |
| Return on Equity (ROE) | 12.6521% | 1,178 |
| Retained earnings to average equity (ytd only) | 4.3434% | 2,760 |
| Net charge-offs to loans | -0.0022% | 3,839 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7482% | 2,997 |
| Assets per employee ($millions) | 7.0882% | 1,395 |
| Cash dividends to net income (ytd only)* | 65.6703% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4159% | 4,900 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.7545% | 4,047 |
| Net loans and leases to deposits | 60.9679% | 4,066 |
| Net loans and leases to core deposits | 62.9416% | 4,131 |
| Total domestic deposits to total assets | 84.8880% | 2,441 |
| Equity capital to assets | 10.2831% | 2,941 |
| Core capital (leverage) ratio | 10.1965% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,489,000 | 3,164 |
| Average earning assets | $158,145,667 | 3,151 |
| Average equity | $17,451,667 | 3,424 |
| Average total loans | $90,155,333 | 3,411 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,771 |
| Cost of funding earning assets | 0.6022% | 3,423 |
| Net interest margin | 3.4028% | 3,287 |
| Noninterest income to average assets | 0.4854% | 2,631 |
| Noninterest expense to average assets | 2.3570% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2292% | 1,431 |
| Return on assets (ROA) | 1.2292% | 1,534 |
| Pretax return on assets | 1.2944% | 1,886 |
| Return on Equity (ROE) | 11.9298% | 1,121 |
| Retained earnings to average equity (ytd only) | 3.1407% | 3,019 |
| Net charge-offs to loans | -0.0045% | 3,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5503% | 3,141 |
| Assets per employee ($millions) | 6.3251% | 1,445 |
| Cash dividends to net income (ytd only)* | 73.6739% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 4,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 52.1247% | 4,106 |
| Net loans and leases to deposits | 59.9896% | 4,196 |
| Net loans and leases to core deposits | 61.4549% | 4,296 |
| Total domestic deposits to total assets | 86.8895% | 1,606 |
| Equity capital to assets | 10.0170% | 3,768 |
| Core capital (leverage) ratio | 10.6665% | 2,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,631,500 | 3,174 |
| Average earning assets | $154,110,000 | 3,153 |
| Average equity | $17,066,500 | 3,465 |
| Average total loans | $89,186,000 | 3,413 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,993 |
| Cost of funding earning assets | 0.4927% | 4,123 |
| Net interest margin | 3.6317% | 3,029 |
| Noninterest income to average assets | 0.5218% | 2,615 |
| Noninterest expense to average assets | 2.3354% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4758% | 1,113 |
| Return on assets (ROA) | 1.4694% | 1,191 |
| Pretax return on assets | 1.5429% | 1,677 |
| Return on Equity (ROE) | 14.8825% | 710 |
| Retained earnings to average equity (ytd only) | 5.5771% | 2,118 |
| Net charge-offs to loans | -0.0034% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1135% | 3,676 |
| Assets per employee ($millions) | 5.9439% | 1,673 |
| Cash dividends to net income (ytd only)* | 62.5261% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 4,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 55.2254% | 3,979 |
| Net loans and leases to deposits | 64.0186% | 4,072 |
| Net loans and leases to core deposits | 65.5644% | 4,210 |
| Total domestic deposits to total assets | 86.2647% | 1,950 |
| Equity capital to assets | 10.6092% | 3,340 |
| Core capital (leverage) ratio | 10.4464% | 3,009 |
| Tier 1 risk-based capital ratio | 17.0090% | 2,048 |
| Total risk-based capital ratio | 17.3711% | 2,309 |
| Memoranda: | ||
| Average total assets | $163,267,800 | 3,175 |
| Average earning assets | $151,198,000 | 3,164 |
| Average equity | $16,119,600 | 3,528 |
| Average total loans | $88,952,000 | 3,422 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 4,155 |
| Cost of funding earning assets | 0.4682% | 4,271 |
| Net interest margin | 3.6311% | 3,163 |
| Noninterest income to average assets | 0.5310% | 2,556 |
| Noninterest expense to average assets | 2.3248% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4893% | 1,217 |
| Return on assets (ROA) | 1.4808% | 1,302 |
| Pretax return on assets | 1.5588% | 1,783 |
| Return on Equity (ROE) | 15.2768% | 720 |
| Retained earnings to average equity (ytd only) | 5.8389% | 2,443 |
| Net charge-offs to loans | -0.0030% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7243% | 3,694 |
| Assets per employee ($millions) | 6.4795% | 1,281 |
| Cash dividends to net income (ytd only)* | 61.7791% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4066% | 5,056 |
| Loan loss allowance to noncurrent loans | 393.4783% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 4,435 |
| Noncurrent loans to loans | 0.1033% | 4,180 |
| Net loans and leases to total assets | 52.6314% | 4,275 |
| Net loans and leases to deposits | 60.2976% | 4,370 |
| Net loans and leases to core deposits | 61.5072% | 4,478 |
| Total domestic deposits to total assets | 87.2860% | 1,380 |
| Equity capital to assets | 9.9230% | 4,099 |
| Core capital (leverage) ratio | 10.5484% | 3,061 |
| Tier 1 risk-based capital ratio | 16.5832% | 2,236 |
| Total risk-based capital ratio | 16.9395% | 2,502 |
| Memoranda: | ||
| Average total assets | $163,963,750 | 3,197 |
| Average earning assets | $151,797,000 | 3,194 |
| Average equity | $15,893,000 | 3,589 |
| Average total loans | $88,942,250 | 3,461 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 4,104 |
| Cost of funding earning assets | 0.4540% | 4,308 |
| Net interest margin | 3.6695% | 3,033 |
| Noninterest income to average assets | 0.5380% | 2,455 |
| Noninterest expense to average assets | 2.3340% | 3,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5258% | 1,072 |
| Return on assets (ROA) | 1.5129% | 1,161 |
| Pretax return on assets | 1.5929% | 1,566 |
| Return on Equity (ROE) | 15.7379% | 632 |
| Retained earnings to average equity (ytd only) | 6.1338% | 2,223 |
| Net charge-offs to loans | -0.0022% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2315% | 3,833 |
| Assets per employee ($millions) | 6.1321% | 1,450 |
| Cash dividends to net income (ytd only)* | 61.0252% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 5,101 |
| Loan loss allowance to noncurrent loans | 393.4783% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 4,467 |
| Noncurrent loans to loans | 0.1030% | 4,207 |
| Net loans and leases to total assets | 55.8033% | 4,086 |
| Net loans and leases to deposits | 64.1512% | 4,218 |
| Net loans and leases to core deposits | 65.2263% | 4,349 |
| Total domestic deposits to total assets | 86.9872% | 1,598 |
| Equity capital to assets | 10.2995% | 3,698 |
| Core capital (leverage) ratio | 10.1990% | 3,383 |
| Tier 1 risk-based capital ratio | 16.7858% | 2,146 |
| Total risk-based capital ratio | 17.1511% | 2,397 |
| Memoranda: | ||
| Average total assets | $162,466,000 | 3,233 |
| Average earning assets | $150,648,000 | 3,220 |
| Average equity | $15,618,330 | 3,619 |
| Average total loans | $88,913,330 | 3,481 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 4,343 |
| Cost of funding earning assets | 0.4285% | 4,367 |
| Net interest margin | 3.5854% | 3,302 |
| Noninterest income to average assets | 0.5098% | 2,493 |
| Noninterest expense to average assets | 2.2783% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4822% | 1,150 |
| Return on assets (ROA) | 1.4660% | 1,222 |
| Pretax return on assets | 1.5416% | 1,632 |
| Return on Equity (ROE) | 15.7981% | 614 |
| Retained earnings to average equity (ytd only) | 5.9407% | 2,476 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3770% | 3,894 |
| Assets per employee ($millions) | 6.8197% | 1,081 |
| Cash dividends to net income (ytd only)* | 62.3960% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4089% | 5,165 |
| Loan loss allowance to noncurrent loans | 5,157.1429% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,865 |
| Noncurrent loans to loans | 0.0079% | 4,759 |
| Net loans and leases to total assets | 51.5672% | 4,371 |
| Net loans and leases to deposits | 58.3959% | 4,483 |
| Net loans and leases to core deposits | 59.4129% | 4,595 |
| Total domestic deposits to total assets | 88.3062% | 1,181 |
| Equity capital to assets | 9.1113% | 4,608 |
| Core capital (leverage) ratio | 10.2129% | 3,370 |
| Tier 1 risk-based capital ratio | 16.3271% | 2,326 |
| Total risk-based capital ratio | 16.6869% | 2,592 |
| Memoranda: | ||
| Average total assets | $163,981,500 | 3,254 |
| Average earning assets | $152,173,000 | 3,247 |
| Average equity | $15,217,000 | 3,679 |
| Average total loans | $88,704,000 | 3,519 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,253 |
| Cost of funding earning assets | 0.3645% | 4,194 |
| Net interest margin | 3.5458% | 3,558 |
| Noninterest income to average assets | 0.6791% | 1,932 |
| Noninterest expense to average assets | 2.3899% | 3,910 |
| Loan and lease loss provision to assets | 0.0030% | 4,046 |
| Net operating income to assets | 1.4998% | 1,118 |
| Return on assets (ROA) | 1.4993% | 1,107 |
| Pretax return on assets | 1.5740% | 1,540 |
| Return on Equity (ROE) | 17.2460% | 470 |
| Retained earnings to average equity (ytd only) | 6.9306% | 1,703 |
| Net charge-offs to loans | -0.0022% | 4,247 |
| Credit loss provision to net charge-offs | -250.0000% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2360% | 3,816 |
| Assets per employee ($millions) | 6.0566% | 1,482 |
| Cash dividends to net income (ytd only)* | 59.8135% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4039% | 5,209 |
| Loan loss allowance to noncurrent loans | 5,142.8571% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,905 |
| Noncurrent loans to loans | 0.0079% | 4,787 |
| Net loans and leases to total assets | 56.3716% | 4,105 |
| Net loans and leases to deposits | 64.1056% | 4,250 |
| Net loans and leases to core deposits | 65.1745% | 4,395 |
| Total domestic deposits to total assets | 87.9356% | 1,323 |
| Equity capital to assets | 9.4621% | 4,160 |
| Core capital (leverage) ratio | 9.8626% | 3,730 |
| Tier 1 risk-based capital ratio | 16.3409% | 2,291 |
| Total risk-based capital ratio | 16.7051% | 2,561 |
| Memoranda: | ||
| Average total assets | $164,481,000 | 3,223 |
| Average earning assets | $152,545,400 | 3,217 |
| Average equity | $14,299,000 | 3,714 |
| Average total loans | $89,234,400 | 3,494 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8402% | 4,340 |
| Cost of funding earning assets | 0.3456% | 4,212 |
| Net interest margin | 3.4946% | 3,713 |
| Noninterest income to average assets | 0.7090% | 1,837 |
| Noninterest expense to average assets | 2.3821% | 3,894 |
| Loan and lease loss provision to assets | 0.0040% | 3,892 |
| Net operating income to assets | 1.4894% | 1,223 |
| Return on assets (ROA) | 1.4886% | 1,224 |
| Pretax return on assets | 1.5664% | 1,683 |
| Return on Equity (ROE) | 17.4899% | 485 |
| Retained earnings to average equity (ytd only) | 7.1241% | 2,065 |
| Net charge-offs to loans | -0.0045% | 4,209 |
| Credit loss provision to net charge-offs | -166.6667% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2556% | 3,782 |
| Assets per employee ($millions) | 6.4584% | 1,206 |
| Cash dividends to net income (ytd only)* | 59.2674% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4064% | 5,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.6814% | 4,446 |
| Net loans and leases to deposits | 59.6278% | 4,571 |
| Net loans and leases to core deposits | 60.7598% | 4,672 |
| Total domestic deposits to total assets | 88.3503% | 1,098 |
| Equity capital to assets | 8.4606% | 4,951 |
| Core capital (leverage) ratio | 9.7647% | 3,885 |
| Tier 1 risk-based capital ratio | 15.6766% | 2,574 |
| Total risk-based capital ratio | 16.0321% | 2,899 |
| Memoranda: | ||
| Average total assets | $166,233,500 | 3,231 |
| Average earning assets | $154,329,500 | 3,220 |
| Average equity | $14,148,750 | 3,760 |
| Average total loans | $89,260,750 | 3,524 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,344 |
| Cost of funding earning assets | 0.3381% | 4,148 |
| Net interest margin | 3.4651% | 3,752 |
| Noninterest income to average assets | 0.7955% | 1,486 |
| Noninterest expense to average assets | 2.4301% | 3,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5053% | 1,148 |
| Return on assets (ROA) | 1.5042% | 1,147 |
| Pretax return on assets | 1.5814% | 1,562 |
| Return on Equity (ROE) | 17.6371% | 458 |
| Retained earnings to average equity (ytd only) | 7.3747% | 1,894 |
| Net charge-offs to loans | -0.0045% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5596% | 3,843 |
| Assets per employee ($millions) | 6.2717% | 1,283 |
| Cash dividends to net income (ytd only)* | 58.1862% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3991% | 5,355 |
| Loan loss allowance to noncurrent loans | 1,365.3846% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,955 |
| Noncurrent loans to loans | 0.0292% | 4,790 |
| Net loans and leases to total assets | 54.3262% | 4,311 |
| Net loans and leases to deposits | 61.9802% | 4,420 |
| Net loans and leases to core deposits | 63.2015% | 4,538 |
| Total domestic deposits to total assets | 87.6509% | 1,562 |
| Equity capital to assets | 8.6285% | 4,857 |
| Core capital (leverage) ratio | 9.3908% | 4,259 |
| Tier 1 risk-based capital ratio | 15.7718% | 2,527 |
| Total risk-based capital ratio | 16.1288% | 2,852 |
| Memoranda: | ||
| Average total assets | $165,671,670 | 3,259 |
| Average earning assets | $153,821,000 | 3,244 |
| Average equity | $14,129,330 | 3,783 |
| Average total loans | $89,406,670 | 3,534 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,448 |
| Cost of funding earning assets | 0.3251% | 4,168 |
| Net interest margin | 3.3850% | 3,931 |
| Noninterest income to average assets | 0.8959% | 1,157 |
| Noninterest expense to average assets | 2.3980% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5642% | 926 |
| Return on assets (ROA) | 1.5619% | 941 |
| Pretax return on assets | 1.6386% | 1,275 |
| Return on Equity (ROE) | 18.4194% | 369 |
| Retained earnings to average equity (ytd only) | 8.5317% | 1,649 |
| Net charge-offs to loans | -0.0045% | 3,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3713% | 4,155 |
| Assets per employee ($millions) | 6.2291% | 1,352 |
| Cash dividends to net income (ytd only)* | 53.6810% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3970% | 5,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.9159% | 4,503 |
| Net loans and leases to deposits | 57.3950% | 4,621 |
| Net loans and leases to core deposits | 58.4351% | 4,731 |
| Total domestic deposits to total assets | 88.7114% | 1,249 |
| Equity capital to assets | 8.0148% | 5,267 |
| Core capital (leverage) ratio | 9.5349% | 4,030 |
| Tier 1 risk-based capital ratio | 15.1981% | 2,789 |
| Total risk-based capital ratio | 15.5460% | 3,146 |
| Memoranda: | ||
| Average total assets | $166,975,000 | 3,280 |
| Average earning assets | $155,035,000 | 3,264 |
| Average equity | $14,159,000 | 3,808 |
| Average total loans | $89,639,000 | 3,550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,416 |
| Cost of funding earning assets | 0.3115% | 4,025 |
| Net interest margin | 3.3558% | 3,988 |
| Noninterest income to average assets | 0.7516% | 1,765 |
| Noninterest expense to average assets | 2.4428% | 3,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3576% | 1,103 |
| Return on assets (ROA) | 1.3576% | 1,120 |
| Pretax return on assets | 1.4255% | 1,906 |
| Return on Equity (ROE) | 15.8535% | 501 |
| Retained earnings to average equity (ytd only) | 6.2904% | 1,388 |
| Net charge-offs to loans | -0.0011% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1488% | 3,750 |
| Assets per employee ($millions) | 5.6977% | 1,754 |
| Cash dividends to net income (ytd only)* | 60.3217% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3917% | 5,495 |
| Loan loss allowance to noncurrent loans | 441.2500% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 4,881 |
| Noncurrent loans to loans | 0.0888% | 4,603 |
| Net loans and leases to total assets | 56.2673% | 4,162 |
| Net loans and leases to deposits | 64.2968% | 4,302 |
| Net loans and leases to core deposits | 65.5882% | 4,436 |
| Total domestic deposits to total assets | 87.5118% | 1,758 |
| Equity capital to assets | 8.9880% | 4,738 |
| Core capital (leverage) ratio | 9.3265% | 4,255 |
| Tier 1 risk-based capital ratio | 15.2762% | 2,716 |
| Total risk-based capital ratio | 15.6318% | 3,063 |
| Memoranda: | ||
| Average total assets | $164,850,400 | 3,296 |
| Average earning assets | $153,106,600 | 3,280 |
| Average equity | $14,116,800 | 3,831 |
| Average total loans | $88,515,000 | 3,549 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6074% | 4,538 |
| Cost of funding earning assets | 0.3028% | 4,099 |
| Net interest margin | 3.3046% | 4,159 |
| Noninterest income to average assets | 0.7630% | 1,724 |
| Noninterest expense to average assets | 2.3925% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3728% | 1,151 |
| Return on assets (ROA) | 1.3728% | 1,168 |
| Pretax return on assets | 1.4442% | 1,962 |
| Return on Equity (ROE) | 16.2239% | 501 |
| Retained earnings to average equity (ytd only) | 6.7418% | 1,827 |
| Net charge-offs to loans | -0.0030% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3588% | 3,829 |
| Assets per employee ($millions) | 6.0986% | 1,426 |
| Cash dividends to net income (ytd only)* | 58.4453% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4017% | 5,562 |
| Loan loss allowance to noncurrent loans | 17,700.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,278 |
| Noncurrent loans to loans | 0.0023% | 5,151 |
| Net loans and leases to total assets | 51.4008% | 4,618 |
| Net loans and leases to deposits | 58.6945% | 4,707 |
| Net loans and leases to core deposits | 59.6900% | 4,830 |
| Total domestic deposits to total assets | 87.5733% | 1,597 |
| Equity capital to assets | 8.5505% | 5,256 |
| Core capital (leverage) ratio | 9.3806% | 4,316 |
| Tier 1 risk-based capital ratio | 15.0169% | 2,909 |
| Total risk-based capital ratio | 15.3717% | 3,298 |
| Memoranda: | ||
| Average total assets | $166,179,250 | 3,312 |
| Average earning assets | $154,567,250 | 3,293 |
| Average equity | $14,061,250 | 3,875 |
| Average total loans | $88,114,000 | 3,595 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,420 |
| Cost of funding earning assets | 0.3010% | 4,070 |
| Net interest margin | 3.3328% | 4,009 |
| Noninterest income to average assets | 0.8053% | 1,552 |
| Noninterest expense to average assets | 2.4184% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4212% | 1,016 |
| Return on assets (ROA) | 1.4212% | 1,040 |
| Pretax return on assets | 1.4941% | 1,665 |
| Return on Equity (ROE) | 16.8572% | 425 |
| Retained earnings to average equity (ytd only) | 7.4921% | 1,360 |
| Net charge-offs to loans | -0.0045% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8131% | 4,023 |
| Assets per employee ($millions) | 5.6987% | 1,700 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4020% | 5,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 54.9685% | 4,315 |
| Net loans and leases to deposits | 63.1030% | 4,426 |
| Net loans and leases to core deposits | 64.2555% | 4,583 |
| Total domestic deposits to total assets | 87.1092% | 1,900 |
| Equity capital to assets | 9.0127% | 4,886 |
| Core capital (leverage) ratio | 9.1319% | 4,577 |
| Tier 1 risk-based capital ratio | 15.2680% | 2,818 |
| Total risk-based capital ratio | 15.6333% | 3,149 |
| Memoranda: | ||
| Average total assets | $164,651,670 | 3,345 |
| Average earning assets | $153,502,330 | 3,328 |
| Average equity | $13,881,330 | 3,902 |
| Average total loans | $88,109,670 | 3,615 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,617 |
| Cost of funding earning assets | 0.2901% | 4,142 |
| Net interest margin | 3.2370% | 4,220 |
| Noninterest income to average assets | 0.8732% | 1,327 |
| Noninterest expense to average assets | 2.3541% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4642% | 873 |
| Return on assets (ROA) | 1.4642% | 898 |
| Pretax return on assets | 1.5359% | 1,420 |
| Return on Equity (ROE) | 17.9584% | 344 |
| Retained earnings to average equity (ytd only) | 8.4217% | 1,302 |
| Net charge-offs to loans | -0.0045% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5166% | 4,398 |
| Assets per employee ($millions) | 6.2608% | 1,320 |
| Cash dividends to net income (ytd only)* | 53.1046% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4046% | 5,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.5736% | 4,710 |
| Net loans and leases to deposits | 56.1145% | 4,808 |
| Net loans and leases to core deposits | 57.0311% | 4,924 |
| Total domestic deposits to total assets | 88.3436% | 1,513 |
| Equity capital to assets | 7.9092% | 5,563 |
| Core capital (leverage) ratio | 8.9616% | 4,785 |
| Tier 1 risk-based capital ratio | 14.5982% | 3,157 |
| Total risk-based capital ratio | 14.9521% | 3,564 |
| Memoranda: | ||
| Average total assets | $167,195,500 | 3,340 |
| Average earning assets | $155,824,000 | 3,326 |
| Average equity | $13,631,500 | 3,973 |
| Average total loans | $88,132,500 | 3,643 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,735 |
| Cost of funding earning assets | 0.3213% | 3,831 |
| Net interest margin | 3.1977% | 4,460 |
| Noninterest income to average assets | 0.7063% | 2,149 |
| Noninterest expense to average assets | 2.3147% | 4,525 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3202% | 1,170 |
| Return on assets (ROA) | 1.3540% | 1,141 |
| Pretax return on assets | 1.4217% | 1,853 |
| Return on Equity (ROE) | 16.3974% | 471 |
| Retained earnings to average equity (ytd only) | 7.7999% | 921 |
| Net charge-offs to loans | -0.0011% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5469% | 4,170 |
| Assets per employee ($millions) | 5.6817% | 1,709 |
| Cash dividends to net income (ytd only)* | 52.4320% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3955% | 5,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 55.7276% | 4,292 |
| Net loans and leases to deposits | 63.9160% | 4,421 |
| Net loans and leases to core deposits | 65.2069% | 4,566 |
| Total domestic deposits to total assets | 87.1889% | 2,033 |
| Equity capital to assets | 8.4218% | 5,330 |
| Core capital (leverage) ratio | 8.6474% | 5,122 |
| Tier 1 risk-based capital ratio | 14.5692% | 3,168 |
| Total risk-based capital ratio | 14.9284% | 3,568 |
| Memoranda: | ||
| Average total assets | $165,504,200 | 3,340 |
| Average earning assets | $154,984,200 | 3,314 |
| Average equity | $13,666,800 | 3,996 |
| Average total loans | $88,037,000 | 3,617 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 4,897 |
| Cost of funding earning assets | 0.3215% | 3,851 |
| Net interest margin | 3.1463% | 4,656 |
| Noninterest income to average assets | 0.7061% | 2,142 |
| Noninterest expense to average assets | 2.2923% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2991% | 1,296 |
| Return on assets (ROA) | 1.3332% | 1,286 |
| Pretax return on assets | 1.4010% | 2,033 |
| Return on Equity (ROE) | 16.2221% | 521 |
| Retained earnings to average equity (ytd only) | 7.9703% | 1,186 |
| Net charge-offs to loans | -0.0015% | 4,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6745% | 4,113 |
| Assets per employee ($millions) | 6.3144% | 1,221 |
| Cash dividends to net income (ytd only)* | 50.8681% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3980% | 5,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 51.6629% | 4,679 |
| Net loans and leases to deposits | 59.0919% | 4,816 |
| Net loans and leases to core deposits | 60.1993% | 4,924 |
| Total domestic deposits to total assets | 87.4280% | 1,704 |
| Equity capital to assets | 8.3929% | 5,586 |
| Core capital (leverage) ratio | 8.6868% | 5,166 |
| Tier 1 risk-based capital ratio | 14.0917% | 3,510 |
| Total risk-based capital ratio | 14.4453% | 3,945 |
| Memoranda: | ||
| Average total assets | $167,108,250 | 3,333 |
| Average earning assets | $156,754,000 | 3,298 |
| Average equity | $13,734,000 | 4,014 |
| Average total loans | $87,794,250 | 3,635 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4694% | 4,942 |
| Cost of funding earning assets | 0.3301% | 3,796 |
| Net interest margin | 3.1393% | 4,717 |
| Noninterest income to average assets | 0.7206% | 2,047 |
| Noninterest expense to average assets | 2.2954% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3041% | 1,260 |
| Return on assets (ROA) | 1.3556% | 1,222 |
| Pretax return on assets | 1.4243% | 1,932 |
| Return on Equity (ROE) | 16.6146% | 469 |
| Retained earnings to average equity (ytd only) | 8.4919% | 1,010 |
| Net charge-offs to loans | -0.0023% | 4,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6233% | 4,247 |
| Assets per employee ($millions) | 5.9833% | 1,411 |
| Cash dividends to net income (ytd only)* | 48.8889% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4021% | 5,878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 53.9716% | 4,513 |
| Net loans and leases to deposits | 62.0154% | 4,651 |
| Net loans and leases to core deposits | 63.8984% | 4,756 |
| Total domestic deposits to total assets | 87.0292% | 1,901 |
| Equity capital to assets | 8.6581% | 5,509 |
| Core capital (leverage) ratio | 8.3041% | 5,532 |
| Tier 1 risk-based capital ratio | 14.2303% | 3,481 |
| Total risk-based capital ratio | 14.5937% | 3,906 |
| Memoranda: | ||
| Average total assets | $165,981,000 | 3,369 |
| Average earning assets | $155,704,670 | 3,327 |
| Average equity | $13,542,330 | 4,069 |
| Average total loans | $87,581,670 | 3,657 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 5,052 |
| Cost of funding earning assets | 0.3320% | 3,817 |
| Net interest margin | 3.0972% | 4,871 |
| Noninterest income to average assets | 0.7134% | 1,973 |
| Noninterest expense to average assets | 2.2711% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2810% | 1,301 |
| Return on assets (ROA) | 1.3104% | 1,304 |
| Pretax return on assets | 1.3793% | 1,966 |
| Return on Equity (ROE) | 16.5465% | 483 |
| Retained earnings to average equity (ytd only) | 8.2883% | 1,343 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7464% | 4,337 |
| Assets per employee ($millions) | 6.1998% | 1,274 |
| Cash dividends to net income (ytd only)* | 49.9093% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4041% | 5,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.8378% | 4,819 |
| Net loans and leases to deposits | 56.4491% | 4,955 |
| Net loans and leases to core deposits | 58.0139% | 5,046 |
| Total domestic deposits to total assets | 88.2881% | 1,481 |
| Equity capital to assets | 7.8361% | 5,877 |
| Core capital (leverage) ratio | 8.3238% | 5,548 |
| Tier 1 risk-based capital ratio | 13.7315% | 3,846 |
| Total risk-based capital ratio | 14.0889% | 4,278 |
| Memoranda: | ||
| Average total assets | $168,197,500 | 3,355 |
| Average earning assets | $157,822,500 | 3,313 |
| Average equity | $13,320,000 | 4,113 |
| Average total loans | $87,601,500 | 3,662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,054 |
| Cost of funding earning assets | 0.3517% | 3,683 |
| Net interest margin | 3.0944% | 4,913 |
| Noninterest income to average assets | 0.6230% | 2,601 |
| Noninterest expense to average assets | 2.3610% | 4,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1068% | 1,892 |
| Return on assets (ROA) | 1.1215% | 1,895 |
| Pretax return on assets | 1.1781% | 2,738 |
| Return on Equity (ROE) | 14.5390% | 758 |
| Retained earnings to average equity (ytd only) | 5.2637% | 2,233 |
| Net charge-offs to loans | 0.1047% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 21.4286% | 1,814 |
| Efficiency ratio | 67.0051% | 3,745 |
| Assets per employee ($millions) | 5.8144% | 1,522 |
| Cash dividends to net income (ytd only)* | 63.7959% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3973% | 5,996 |
| Loan loss allowance to noncurrent loans | 35,100.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,746 |
| Noncurrent loans to loans | 0.0011% | 5,576 |
| Net loans and leases to total assets | 54.0448% | 4,498 |
| Net loans and leases to deposits | 61.5937% | 4,662 |
| Net loans and leases to core deposits | 63.5484% | 4,765 |
| Total domestic deposits to total assets | 87.7440% | 1,774 |
| Equity capital to assets | 8.0079% | 5,851 |
| Core capital (leverage) ratio | 7.9377% | 5,866 |
| Tier 1 risk-based capital ratio | 13.6557% | 3,910 |
| Total risk-based capital ratio | 14.0185% | 4,370 |
| Memoranda: | ||
| Average total assets | $167,724,600 | 3,338 |
| Average earning assets | $157,220,000 | 3,295 |
| Average equity | $12,937,600 | 4,155 |
| Average total loans | $86,879,200 | 3,653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 5,179 |
| Cost of funding earning assets | 0.3543% | 3,708 |
| Net interest margin | 3.0588% | 5,054 |
| Noninterest income to average assets | 0.6258% | 2,603 |
| Noninterest expense to average assets | 2.3359% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1001% | 2,005 |
| Return on assets (ROA) | 1.1001% | 2,087 |
| Pretax return on assets | 1.1585% | 2,987 |
| Return on Equity (ROE) | 14.3937% | 827 |
| Retained earnings to average equity (ytd only) | 4.8427% | 3,022 |
| Net charge-offs to loans | 0.1372% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 16.4949% | 2,113 |
| Efficiency ratio | 66.8473% | 3,745 |
| Assets per employee ($millions) | 6.3992% | 1,119 |
| Cash dividends to net income (ytd only)* | 66.3557% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4017% | 6,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 50.6558% | 4,880 |
| Net loans and leases to deposits | 57.4959% | 5,034 |
| Net loans and leases to core deposits | 59.2329% | 5,117 |
| Total domestic deposits to total assets | 88.1032% | 1,499 |
| Equity capital to assets | 7.5936% | 6,062 |
| Core capital (leverage) ratio | 7.9294% | 5,935 |
| Tier 1 risk-based capital ratio | 13.2527% | 4,289 |
| Total risk-based capital ratio | 13.6127% | 4,755 |
| Memoranda: | ||
| Average total assets | $168,955,250 | 3,349 |
| Average earning assets | $158,445,250 | 3,304 |
| Average equity | $12,912,750 | 4,199 |
| Average total loans | $86,514,750 | 3,706 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4342% | 5,149 |
| Cost of funding earning assets | 0.3615% | 3,676 |
| Net interest margin | 3.0727% | 5,033 |
| Noninterest income to average assets | 0.6536% | 2,457 |
| Noninterest expense to average assets | 2.3747% | 4,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0997% | 1,957 |
| Return on assets (ROA) | 1.0997% | 2,046 |
| Pretax return on assets | 1.1582% | 2,943 |
| Return on Equity (ROE) | 14.3573% | 839 |
| Retained earnings to average equity (ytd only) | 4.2355% | 3,337 |
| Net charge-offs to loans | 0.2324% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 9.7100% | 2,425 |
| Efficiency ratio | 67.2181% | 3,798 |
| Assets per employee ($millions) | 5.7887% | 1,506 |
| Cash dividends to net income (ytd only)* | 70.4989% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3945% | 6,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 53.2764% | 4,634 |
| Net loans and leases to deposits | 60.6268% | 4,797 |
| Net loans and leases to core deposits | 62.5857% | 4,898 |
| Total domestic deposits to total assets | 87.8760% | 1,710 |
| Equity capital to assets | 8.0015% | 5,983 |
| Core capital (leverage) ratio | 7.6689% | 6,048 |
| Tier 1 risk-based capital ratio | 13.5725% | 4,176 |
| Total risk-based capital ratio | 13.9352% | 4,618 |
| Memoranda: | ||
| Average total assets | $167,681,000 | 3,391 |
| Average earning assets | $157,127,000 | 3,344 |
| Average equity | $12,843,670 | 4,232 |
| Average total loans | $86,061,330 | 3,730 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3571% | 5,308 |
| Cost of funding earning assets | 0.3658% | 3,687 |
| Net interest margin | 2.9913% | 5,241 |
| Noninterest income to average assets | 0.7109% | 2,125 |
| Noninterest expense to average assets | 2.2853% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1661% | 1,648 |
| Return on assets (ROA) | 1.1661% | 1,752 |
| Pretax return on assets | 1.2271% | 2,563 |
| Return on Equity (ROE) | 15.5543% | 623 |
| Retained earnings to average equity (ytd only) | 5.3830% | 2,840 |
| Net charge-offs to loans | 0.5411% | 458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.5086% | 2,484 |
| Efficiency ratio | 65.0635% | 4,307 |
| Assets per employee ($millions) | 6.3159% | 1,179 |
| Cash dividends to net income (ytd only)* | 65.3924% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3838% | 6,246 |
| Loan loss allowance to noncurrent loans | 603.7037% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 5,819 |
| Noncurrent loans to loans | 0.0636% | 5,518 |
| Net loans and leases to total assets | 47.8413% | 5,050 |
| Net loans and leases to deposits | 54.1732% | 5,179 |
| Net loans and leases to core deposits | 55.7426% | 5,267 |
| Total domestic deposits to total assets | 88.3118% | 1,652 |
| Equity capital to assets | 7.3126% | 6,220 |
| Core capital (leverage) ratio | 7.7079% | 6,067 |
| Tier 1 risk-based capital ratio | 13.9147% | 4,077 |
| Total risk-based capital ratio | 14.2719% | 4,505 |
| Memoranda: | ||
| Average total assets | $170,480,000 | 3,355 |
| Average earning assets | $159,663,000 | 3,329 |
| Average equity | $12,781,000 | 4,274 |
| Average total loans | $85,745,000 | 3,756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3090% | 5,691 |
| Cost of funding earning assets | 0.4301% | 3,381 |
| Net interest margin | 2.8789% | 5,686 |
| Noninterest income to average assets | 0.6347% | 2,647 |
| Noninterest expense to average assets | 2.2209% | 5,296 |
| Loan and lease loss provision to assets | -0.0290% | 5,959 |
| Net operating income to assets | 1.0888% | 2,019 |
| Return on assets (ROA) | 1.1240% | 1,945 |
| Pretax return on assets | 1.1814% | 2,727 |
| Return on Equity (ROE) | 16.2337% | 594 |
| Retained earnings to average equity (ytd only) | 5.7792% | 2,076 |
| Net charge-offs to loans | -0.0048% | 5,465 |
| Credit loss provision to net charge-offs | 1,250.0000% | 230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5683% | 4,141 |
| Assets per employee ($millions) | 5.6591% | 1,642 |
| Cash dividends to net income (ytd only)* | 64.3998% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5106% | 6,245 |
| Loan loss allowance to noncurrent loans | 233.8624% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 5,355 |
| Noncurrent loans to loans | 0.2183% | 5,037 |
| Net loans and leases to total assets | 52.4736% | 4,746 |
| Net loans and leases to deposits | 59.9104% | 4,908 |
| Net loans and leases to core deposits | 61.9195% | 5,002 |
| Total domestic deposits to total assets | 87.5868% | 1,986 |
| Equity capital to assets | 7.6958% | 6,179 |
| Core capital (leverage) ratio | 7.4288% | 6,229 |
| Tier 1 risk-based capital ratio | 12.5288% | 5,023 |
| Total risk-based capital ratio | 12.9708% | 5,441 |
| Memoranda: | ||
| Average total assets | $172,679,200 | 3,296 |
| Average earning assets | $162,041,400 | 3,250 |
| Average equity | $11,956,600 | 4,368 |
| Average total loans | $82,725,200 | 3,801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 5,867 |
| Cost of funding earning assets | 0.4381% | 3,385 |
| Net interest margin | 2.7927% | 5,879 |
| Noninterest income to average assets | 0.5964% | 2,901 |
| Noninterest expense to average assets | 2.1530% | 5,457 |
| Loan and lease loss provision to assets | -0.0381% | 6,145 |
| Net operating income to assets | 1.0500% | 2,236 |
| Return on assets (ROA) | 1.0616% | 2,257 |
| Pretax return on assets | 1.1188% | 3,112 |
| Return on Equity (ROE) | 15.7441% | 705 |
| Retained earnings to average equity (ytd only) | 5.2820% | 2,894 |
| Net charge-offs to loans | 0.0245% | 4,020 |
| Credit loss provision to net charge-offs | -333.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | 93.3975% | 618 |
| Efficiency ratio | 66.8324% | 4,079 |
| Assets per employee ($millions) | 6.3553% | 1,111 |
| Cash dividends to net income (ytd only)* | 66.4511% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5028% | 6,336 |
| Loan loss allowance to noncurrent loans | 243.1034% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 5,606 |
| Noncurrent loans to loans | 0.2068% | 5,283 |
| Net loans and leases to total assets | 47.0430% | 5,290 |
| Net loans and leases to deposits | 54.3941% | 5,352 |
| Net loans and leases to core deposits | 56.0952% | 5,442 |
| Total domestic deposits to total assets | 86.4854% | 2,593 |
| Equity capital to assets | 6.7863% | 6,412 |
| Core capital (leverage) ratio | 7.1722% | 6,360 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,356 |
| Total risk-based capital ratio | 12.6306% | 5,783 |
| Memoranda: | ||
| Average total assets | $174,820,250 | 3,297 |
| Average earning assets | $164,329,250 | 3,255 |
| Average equity | $11,788,250 | 4,427 |
| Average total loans | $81,766,750 | 3,851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2158% | 5,928 |
| Cost of funding earning assets | 0.4529% | 3,294 |
| Net interest margin | 2.7629% | 5,969 |
| Noninterest income to average assets | 0.6180% | 2,723 |
| Noninterest expense to average assets | 2.1234% | 5,578 |
| Loan and lease loss provision to assets | -0.0575% | 6,309 |
| Net operating income to assets | 1.0920% | 1,972 |
| Return on assets (ROA) | 1.1095% | 1,976 |
| Pretax return on assets | 1.1682% | 2,804 |
| Return on Equity (ROE) | 16.4894% | 606 |
| Retained earnings to average equity (ytd only) | 6.2263% | 2,197 |
| Net charge-offs to loans | 0.0074% | 4,132 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,797 |
| Earnings coverage of net charge-offs (x) | 316.3333% | 219 |
| Efficiency ratio | 66.0344% | 4,362 |
| Assets per employee ($millions) | 6.1665% | 1,191 |
| Cash dividends to net income (ytd only)* | 62.2407% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5376% | 6,376 |
| Loan loss allowance to noncurrent loans | 201.3889% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,778 |
| Noncurrent loans to loans | 0.2669% | 5,218 |
| Net loans and leases to total assets | 46.6151% | 5,303 |
| Net loans and leases to deposits | 52.5561% | 5,459 |
| Net loans and leases to core deposits | 54.2058% | 5,535 |
| Total domestic deposits to total assets | 88.6959% | 1,539 |
| Equity capital to assets | 7.0814% | 6,433 |
| Core capital (leverage) ratio | 7.0144% | 6,428 |
| Tier 1 risk-based capital ratio | 12.6170% | 5,146 |
| Total risk-based capital ratio | 13.0668% | 5,569 |
| Memoranda: | ||
| Average total assets | $173,777,670 | 3,325 |
| Average earning assets | $163,379,000 | 3,280 |
| Average equity | $11,692,330 | 4,453 |
| Average total loans | $80,977,330 | 3,883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2102% | 5,988 |
| Cost of funding earning assets | 0.4719% | 3,213 |
| Net interest margin | 2.7383% | 6,048 |
| Noninterest income to average assets | 0.6677% | 2,358 |
| Noninterest expense to average assets | 2.1269% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0550% | 1,988 |
| Return on assets (ROA) | 1.0899% | 1,917 |
| Pretax return on assets | 1.1472% | 2,710 |
| Return on Equity (ROE) | 16.6302% | 573 |
| Retained earnings to average equity (ytd only) | 7.0022% | 2,045 |
| Net charge-offs to loans | 0.0148% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 161.3333% | 305 |
| Efficiency ratio | 65.6981% | 4,577 |
| Assets per employee ($millions) | 6.3866% | 1,065 |
| Cash dividends to net income (ytd only)* | 57.8947% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6078% | 6,398 |
| Loan loss allowance to noncurrent loans | 381.8898% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,050 |
| Noncurrent loans to loans | 0.1592% | 5,606 |
| Net loans and leases to total assets | 44.3514% | 5,479 |
| Net loans and leases to deposits | 49.1236% | 5,659 |
| Net loans and leases to core deposits | 50.5810% | 5,721 |
| Total domestic deposits to total assets | 90.2854% | 920 |
| Equity capital to assets | 6.5019% | 6,522 |
| Core capital (leverage) ratio | 7.1435% | 6,440 |
| Tier 1 risk-based capital ratio | 12.2634% | 5,462 |
| Total risk-based capital ratio | 12.7575% | 5,860 |
| Memoranda: | ||
| Average total assets | $174,335,000 | 3,343 |
| Average earning assets | $163,603,500 | 3,297 |
| Average equity | $11,425,000 | 4,517 |
| Average total loans | $81,005,000 | 3,906 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1017% | 6,237 |
| Cost of funding earning assets | 0.6123% | 2,552 |
| Net interest margin | 2.4895% | 6,379 |
| Noninterest income to average assets | 0.5959% | 3,117 |
| Noninterest expense to average assets | 2.0451% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8417% | 3,081 |
| Return on assets (ROA) | 0.8417% | 3,159 |
| Pretax return on assets | 0.8836% | 3,830 |
| Return on Equity (ROE) | 12.2839% | 1,333 |
| Retained earnings to average equity (ytd only) | 0.8076% | 5,473 |
| Net charge-offs to loans | 0.0650% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.9592% | 1,151 |
| Efficiency ratio | 69.8290% | 3,865 |
| Assets per employee ($millions) | 6.0659% | 1,234 |
| Cash dividends to net income (ytd only)* | 93.4256% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 6,484 |
| Loan loss allowance to noncurrent loans | 12,200.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,444 |
| Noncurrent loans to loans | 0.0049% | 6,291 |
| Net loans and leases to total assets | 48.1177% | 5,282 |
| Net loans and leases to deposits | 56.3022% | 5,275 |
| Net loans and leases to core deposits | 58.2895% | 5,371 |
| Total domestic deposits to total assets | 85.4633% | 3,521 |
| Equity capital to assets | 6.6078% | 6,552 |
| Core capital (leverage) ratio | 6.8692% | 6,546 |
| Tier 1 risk-based capital ratio | 12.0401% | 5,592 |
| Total risk-based capital ratio | 12.5365% | 5,971 |
| Memoranda: | ||
| Average total assets | $171,678,200 | 3,388 |
| Average earning assets | $160,877,000 | 3,324 |
| Average equity | $11,763,400 | 4,493 |
| Average total loans | $75,356,000 | 4,082 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0281% | 6,399 |
| Cost of funding earning assets | 0.6276% | 2,572 |
| Net interest margin | 2.4005% | 6,519 |
| Noninterest income to average assets | 0.6034% | 3,130 |
| Noninterest expense to average assets | 1.9875% | 6,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8218% | 3,246 |
| Return on assets (ROA) | 0.8218% | 3,363 |
| Pretax return on assets | 0.8644% | 4,030 |
| Return on Equity (ROE) | 11.8891% | 1,506 |
| Retained earnings to average equity (ytd only) | 0.1233% | 5,900 |
| Net charge-offs to loans | 0.0851% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 23.7428% | 1,454 |
| Efficiency ratio | 69.6904% | 3,806 |
| Assets per employee ($millions) | 6.3483% | 1,003 |
| Cash dividends to net income (ytd only)* | 98.9637% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6367% | 6,520 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 6,522 |
| Noncurrent loans to loans | 0.0065% | 6,366 |
| Net loans and leases to total assets | 43.0180% | 5,812 |
| Net loans and leases to deposits | 49.8283% | 5,845 |
| Net loans and leases to core deposits | 51.4774% | 5,919 |
| Total domestic deposits to total assets | 86.3326% | 3,056 |
| Equity capital to assets | 6.3735% | 6,656 |
| Core capital (leverage) ratio | 6.8918% | 6,607 |
| Tier 1 risk-based capital ratio | 12.3138% | 5,562 |
| Total risk-based capital ratio | 12.8271% | 5,989 |
| Memoranda: | ||
| Average total assets | $172,136,250 | 3,403 |
| Average earning assets | $161,243,500 | 3,349 |
| Average equity | $11,898,500 | 4,511 |
| Average total loans | $73,641,500 | 4,175 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0097% | 6,440 |
| Cost of funding earning assets | 0.6451% | 2,540 |
| Net interest margin | 2.3646% | 6,581 |
| Noninterest income to average assets | 0.5944% | 3,227 |
| Noninterest expense to average assets | 1.9934% | 6,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7741% | 3,441 |
| Return on assets (ROA) | 0.7741% | 3,588 |
| Pretax return on assets | 0.8140% | 4,256 |
| Return on Equity (ROE) | 10.9031% | 1,843 |
| Retained earnings to average equity (ytd only) | -0.6783% | 5,989 |
| Net charge-offs to loans | 0.1296% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.7447% | 1,799 |
| Efficiency ratio | 71.0042% | 3,642 |
| Assets per employee ($millions) | 5.9976% | 1,203 |
| Cash dividends to net income (ytd only)* | 106.2215% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,511 |
| Loan loss allowance to noncurrent loans | 9,800.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 6,570 |
| Noncurrent loans to loans | 0.0070% | 6,419 |
| Net loans and leases to total assets | 42.1093% | 5,894 |
| Net loans and leases to deposits | 47.3355% | 6,026 |
| Net loans and leases to core deposits | 48.9414% | 6,081 |
| Total domestic deposits to total assets | 88.9592% | 1,652 |
| Equity capital to assets | 6.7617% | 6,642 |
| Core capital (leverage) ratio | 6.8808% | 6,640 |
| Tier 1 risk-based capital ratio | 13.3358% | 4,892 |
| Total risk-based capital ratio | 13.8943% | 5,335 |
| Memoranda: | ||
| Average total assets | $170,264,670 | 3,458 |
| Average earning assets | $159,353,670 | 3,406 |
| Average equity | $12,088,330 | 4,514 |
| Average total loans | $72,537,000 | 4,224 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9619% | 6,555 |
| Cost of funding earning assets | 0.6524% | 2,634 |
| Net interest margin | 2.3095% | 6,681 |
| Noninterest income to average assets | 0.5693% | 3,306 |
| Noninterest expense to average assets | 2.0136% | 6,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6767% | 3,801 |
| Return on assets (ROA) | 0.6767% | 3,959 |
| Pretax return on assets | 0.7117% | 4,525 |
| Return on Equity (ROE) | 9.3135% | 2,345 |
| Retained earnings to average equity (ytd only) | -3.5327% | 6,235 |
| Net charge-offs to loans | 0.2568% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.4894% | 2,210 |
| Efficiency ratio | 73.8870% | 3,286 |
| Assets per employee ($millions) | 6.2803% | 1,083 |
| Cash dividends to net income (ytd only)* | 137.9310% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6891% | 6,615 |
| Loan loss allowance to noncurrent loans | 16,333.3333% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,652 |
| Noncurrent loans to loans | 0.0042% | 6,507 |
| Net loans and leases to total assets | 40.1589% | 5,981 |
| Net loans and leases to deposits | 44.3525% | 6,177 |
| Net loans and leases to core deposits | 45.6517% | 6,231 |
| Total domestic deposits to total assets | 90.5447% | 745 |
| Equity capital to assets | 7.0032% | 6,713 |
| Core capital (leverage) ratio | 7.0246% | 6,637 |
| Tier 1 risk-based capital ratio | 13.7835% | 4,664 |
| Total risk-based capital ratio | 14.3641% | 5,087 |
| Memoranda: | ||
| Average total assets | $171,431,000 | 3,473 |
| Average earning assets | $160,032,000 | 3,428 |
| Average equity | $12,455,000 | 4,482 |
| Average total loans | $73,203,000 | 4,228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 6,561 |
| Cost of funding earning assets | 0.7540% | 3,058 |
| Net interest margin | 2.5752% | 6,653 |
| Noninterest income to average assets | 0.5901% | 3,334 |
| Noninterest expense to average assets | 2.1070% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8536% | 3,023 |
| Return on assets (ROA) | 0.9239% | 2,930 |
| Pretax return on assets | 0.9690% | 3,657 |
| Return on Equity (ROE) | 12.9457% | 1,238 |
| Retained earnings to average equity (ytd only) | 1.0274% | 5,360 |
| Net charge-offs to loans | -0.0014% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1837% | 3,777 |
| Assets per employee ($millions) | 6.1857% | 1,173 |
| Cash dividends to net income (ytd only)* | 92.0635% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 6,616 |
| Loan loss allowance to noncurrent loans | 813.6364% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 6,551 |
| Noncurrent loans to loans | 0.0877% | 6,270 |
| Net loans and leases to total assets | 44.7630% | 5,753 |
| Net loans and leases to deposits | 51.3338% | 5,865 |
| Net loans and leases to core deposits | 52.9811% | 5,940 |
| Total domestic deposits to total assets | 87.1998% | 2,705 |
| Equity capital to assets | 7.5413% | 6,615 |
| Core capital (leverage) ratio | 7.0626% | 6,682 |
| Tier 1 risk-based capital ratio | 13.7253% | 4,583 |
| Total risk-based capital ratio | 14.3530% | 4,981 |
| Memoranda: | ||
| Average total assets | $170,481,800 | 3,445 |
| Average earning assets | $159,678,600 | 3,384 |
| Average equity | $12,166,200 | 4,532 |
| Average total loans | $72,194,200 | 4,268 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 6,711 |
| Cost of funding earning assets | 0.7639% | 3,239 |
| Net interest margin | 2.5584% | 6,786 |
| Noninterest income to average assets | 0.5781% | 3,422 |
| Noninterest expense to average assets | 2.0838% | 6,202 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8565% | 3,186 |
| Return on assets (ROA) | 0.9267% | 3,069 |
| Pretax return on assets | 0.9711% | 3,818 |
| Return on Equity (ROE) | 13.1683% | 1,296 |
| Retained earnings to average equity (ytd only) | 1.5590% | 5,556 |
| Net charge-offs to loans | -0.0037% | 6,247 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9034% | 3,704 |
| Assets per employee ($millions) | 6.1727% | 1,138 |
| Cash dividends to net income (ytd only)* | 88.1615% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 6,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.6579% | 6,228 |
| Net loans and leases to deposits | 46.3098% | 6,363 |
| Net loans and leases to core deposits | 47.8151% | 6,430 |
| Total domestic deposits to total assets | 87.7953% | 2,175 |
| Equity capital to assets | 7.4649% | 6,778 |
| Core capital (leverage) ratio | 6.9601% | 6,803 |
| Tier 1 risk-based capital ratio | 14.0909% | 4,463 |
| Total risk-based capital ratio | 14.7356% | 4,843 |
| Memoranda: | ||
| Average total assets | $171,349,000 | 3,464 |
| Average earning assets | $160,933,000 | 3,402 |
| Average equity | $12,059,000 | 4,604 |
| Average total loans | $71,418,500 | 4,345 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3000% | 6,811 |
| Cost of funding earning assets | 0.7836% | 3,329 |
| Net interest margin | 2.5165% | 6,878 |
| Noninterest income to average assets | 0.5923% | 3,301 |
| Noninterest expense to average assets | 2.1094% | 6,216 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8074% | 3,364 |
| Return on assets (ROA) | 0.9131% | 3,109 |
| Pretax return on assets | 0.9587% | 3,855 |
| Return on Equity (ROE) | 13.2450% | 1,297 |
| Retained earnings to average equity (ytd only) | 1.3585% | 5,515 |
| Net charge-offs to loans | -0.0028% | 6,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3381% | 3,544 |
| Assets per employee ($millions) | 6.1017% | 1,168 |
| Cash dividends to net income (ytd only)* | 89.7436% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 6,744 |
| Loan loss allowance to noncurrent loans | 413.0769% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,620 |
| Noncurrent loans to loans | 0.1843% | 6,216 |
| Net loans and leases to total assets | 40.9706% | 6,275 |
| Net loans and leases to deposits | 45.9494% | 6,442 |
| Net loans and leases to core deposits | 48.3091% | 6,439 |
| Total domestic deposits to total assets | 89.1646% | 1,409 |
| Equity capital to assets | 7.1356% | 6,880 |
| Core capital (leverage) ratio | 6.6876% | 6,890 |
| Tier 1 risk-based capital ratio | 13.9672% | 4,469 |
| Total risk-based capital ratio | 14.6085% | 4,885 |
| Memoranda: | ||
| Average total assets | $170,853,670 | 3,487 |
| Average earning assets | $160,543,330 | 3,415 |
| Average equity | $11,778,000 | 4,657 |
| Average total loans | $71,621,670 | 4,367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3300% | 6,877 |
| Cost of funding earning assets | 0.8032% | 3,452 |
| Net interest margin | 2.5268% | 6,932 |
| Noninterest income to average assets | 0.6532% | 2,912 |
| Noninterest expense to average assets | 2.0906% | 6,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8896% | 2,967 |
| Return on assets (ROA) | 0.8896% | 3,189 |
| Pretax return on assets | 0.9341% | 3,917 |
| Return on Equity (ROE) | 13.1357% | 1,375 |
| Retained earnings to average equity (ytd only) | 1.0370% | 5,661 |
| Net charge-offs to loans | -0.0055% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1176% | 3,959 |
| Assets per employee ($millions) | 6.4201% | 1,024 |
| Cash dividends to net income (ytd only)* | 92.1053% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 6,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,781 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 38.7460% | 6,439 |
| Net loans and leases to deposits | 42.6261% | 6,624 |
| Net loans and leases to core deposits | 44.3104% | 6,643 |
| Total domestic deposits to total assets | 90.8975% | 603 |
| Equity capital to assets | 6.4846% | 7,018 |
| Core capital (leverage) ratio | 6.6438% | 6,942 |
| Tier 1 risk-based capital ratio | 13.1183% | 5,119 |
| Total risk-based capital ratio | 13.7503% | 5,565 |
| Memoranda: | ||
| Average total assets | $170,857,000 | 3,504 |
| Average earning assets | $160,362,000 | 3,430 |
| Average equity | $11,571,500 | 4,708 |
| Average total loans | $72,165,500 | 4,377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8668% | 6,653 |
| Cost of funding earning assets | 0.9433% | 3,764 |
| Net interest margin | 2.9235% | 6,650 |
| Noninterest income to average assets | 0.5392% | 3,590 |
| Noninterest expense to average assets | 2.2482% | 6,167 |
| Loan and lease loss provision to assets | -0.0631% | 7,254 |
| Net operating income to assets | 1.0413% | 2,036 |
| Return on assets (ROA) | 1.6086% | 710 |
| Pretax return on assets | 1.6907% | 1,004 |
| Return on Equity (ROE) | 22.8725% | 162 |
| Retained earnings to average equity (ytd only) | 4.9192% | 2,699 |
| Net charge-offs to loans | -0.0192% | 6,954 |
| Credit loss provision to net charge-offs | 714.2857% | 304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5731% | 4,240 |
| Assets per employee ($millions) | 5.7840% | 1,386 |
| Cash dividends to net income (ytd only)* | 78.4929% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 6,875 |
| Loan loss allowance to noncurrent loans | 1,848.2759% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 6,775 |
| Noncurrent loans to loans | 0.0391% | 6,729 |
| Net loans and leases to total assets | 45.4502% | 6,063 |
| Net loans and leases to deposits | 50.4759% | 6,325 |
| Net loans and leases to core deposits | 51.5943% | 6,449 |
| Total domestic deposits to total assets | 90.0433% | 973 |
| Equity capital to assets | 7.0923% | 6,938 |
| Core capital (leverage) ratio | 6.6587% | 6,948 |
| Tier 1 risk-based capital ratio | 12.9680% | 5,094 |
| Total risk-based capital ratio | 13.6018% | 5,546 |
| Memoranda: | ||
| Average total assets | $158,394,600 | 3,650 |
| Average earning assets | $148,418,000 | 3,594 |
| Average equity | $11,140,000 | 4,747 |
| Average total loans | $72,776,600 | 4,387 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 6,758 |
| Cost of funding earning assets | 0.9621% | 3,944 |
| Net interest margin | 2.9142% | 6,732 |
| Noninterest income to average assets | 0.5562% | 3,468 |
| Noninterest expense to average assets | 2.2153% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0221% | 2,243 |
| Return on assets (ROA) | 1.4789% | 1,066 |
| Pretax return on assets | 1.5525% | 1,508 |
| Return on Equity (ROE) | 21.0728% | 256 |
| Retained earnings to average equity (ytd only) | 2.3763% | 4,931 |
| Net charge-offs to loans | -0.0258% | 6,950 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3963% | 4,443 |
| Assets per employee ($millions) | 6.1009% | 1,149 |
| Cash dividends to net income (ytd only)* | 88.7236% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,642 |
| Loan loss allowance to noncurrent loans | 227.9570% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 6,621 |
| Noncurrent loans to loans | 0.3888% | 6,078 |
| Net loans and leases to total assets | 41.6362% | 6,522 |
| Net loans and leases to deposits | 46.6485% | 6,708 |
| Net loans and leases to core deposits | 47.6367% | 6,773 |
| Total domestic deposits to total assets | 89.2551% | 1,281 |
| Equity capital to assets | 6.6676% | 7,109 |
| Core capital (leverage) ratio | 6.5559% | 7,063 |
| Tier 1 risk-based capital ratio | 11.9799% | 5,907 |
| Total risk-based capital ratio | 12.7185% | 6,254 |
| Memoranda: | ||
| Average total assets | $157,505,500 | 3,702 |
| Average earning assets | $147,594,000 | 3,633 |
| Average equity | $11,053,500 | 4,792 |
| Average total loans | $72,435,000 | 4,438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9954% | 6,672 |
| Cost of funding earning assets | 1.0020% | 3,935 |
| Net interest margin | 2.9934% | 6,622 |
| Noninterest income to average assets | 0.5984% | 3,157 |
| Noninterest expense to average assets | 2.2918% | 6,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0650% | 1,983 |
| Return on assets (ROA) | 1.5876% | 793 |
| Pretax return on assets | 1.6673% | 1,117 |
| Return on Equity (ROE) | 22.2094% | 230 |
| Retained earnings to average equity (ytd only) | 3.0161% | 4,358 |
| Net charge-offs to loans | 0.0083% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 285.0000% | 120 |
| Efficiency ratio | 67.2288% | 4,660 |
| Assets per employee ($millions) | 5.6264% | 1,465 |
| Cash dividends to net income (ytd only)* | 86.4198% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,718 |
| Loan loss allowance to noncurrent loans | 306.4356% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 6,734 |
| Noncurrent loans to loans | 0.2863% | 6,345 |
| Net loans and leases to total assets | 46.0435% | 6,267 |
| Net loans and leases to deposits | 51.3286% | 6,513 |
| Net loans and leases to core deposits | 52.5467% | 6,633 |
| Total domestic deposits to total assets | 89.7033% | 1,120 |
| Equity capital to assets | 7.3397% | 7,019 |
| Core capital (leverage) ratio | 6.6224% | 7,097 |
| Tier 1 risk-based capital ratio | 13.2124% | 4,757 |
| Total risk-based capital ratio | 14.0077% | 5,094 |
| Memoranda: | ||
| Average total assets | $153,065,670 | 3,800 |
| Average earning assets | $143,716,330 | 3,729 |
| Average equity | $10,941,330 | 4,815 |
| Average total loans | $72,659,670 | 4,482 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9487% | 6,766 |
| Cost of funding earning assets | 1.0232% | 4,041 |
| Net interest margin | 2.9255% | 6,714 |
| Noninterest income to average assets | 0.5519% | 3,494 |
| Noninterest expense to average assets | 2.2598% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9842% | 2,231 |
| Return on assets (ROA) | 1.1351% | 1,762 |
| Pretax return on assets | 1.1976% | 2,379 |
| Return on Equity (ROE) | 16.0930% | 664 |
| Retained earnings to average equity (ytd only) | -4.2078% | 6,442 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5083% | 4,559 |
| Assets per employee ($millions) | 5.9797% | 1,208 |
| Cash dividends to net income (ytd only)* | 126.1468% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 6,766 |
| Loan loss allowance to noncurrent loans | 106.3248% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3896% | 6,231 |
| Noncurrent loans to loans | 0.8208% | 5,394 |
| Net loans and leases to total assets | 43.7570% | 6,490 |
| Net loans and leases to deposits | 48.2822% | 6,738 |
| Net loans and leases to core deposits | 49.3200% | 6,815 |
| Total domestic deposits to total assets | 90.6276% | 786 |
| Equity capital to assets | 6.7072% | 7,165 |
| Core capital (leverage) ratio | 6.6656% | 7,126 |
| Tier 1 risk-based capital ratio | 12.4516% | 5,308 |
| Total risk-based capital ratio | 13.2257% | 5,705 |
| Memoranda: | ||
| Average total assets | $153,642,000 | 3,816 |
| Average earning assets | $144,250,500 | 3,747 |
| Average equity | $10,837,000 | 4,836 |
| Average total loans | $73,707,000 | 4,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 6,430 |
| Cost of funding earning assets | 1.2828% | 3,999 |
| Net interest margin | 3.2054% | 6,256 |
| Noninterest income to average assets | 0.5717% | 3,661 |
| Noninterest expense to average assets | 2.4718% | 5,886 |
| Loan and lease loss provision to assets | 0.0409% | 6,754 |
| Net operating income to assets | 1.0172% | 1,978 |
| Return on assets (ROA) | 1.5355% | 772 |
| Pretax return on assets | 1.6125% | 1,100 |
| Return on Equity (ROE) | 20.6070% | 218 |
| Retained earnings to average equity (ytd only) | 2.1677% | 4,374 |
| Net charge-offs to loans | 0.0255% | 6,552 |
| Credit loss provision to net charge-offs | 321.0526% | 806 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 281 |
| Efficiency ratio | 69.0507% | 4,367 |
| Assets per employee ($millions) | 5.8332% | 1,329 |
| Cash dividends to net income (ytd only)* | 89.4806% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 6,934 |
| Loan loss allowance to noncurrent loans | 95.3988% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 6,086 |
| Noncurrent loans to loans | 0.8563% | 5,352 |
| Net loans and leases to total assets | 51.7880% | 5,944 |
| Net loans and leases to deposits | 57.6063% | 6,294 |
| Net loans and leases to core deposits | 58.8520% | 6,485 |
| Total domestic deposits to total assets | 89.9000% | 1,157 |
| Equity capital to assets | 7.4367% | 6,911 |
| Core capital (leverage) ratio | 6.7788% | 7,118 |
| Tier 1 risk-based capital ratio | 12.5246% | 5,002 |
| Total risk-based capital ratio | 13.2945% | 5,416 |
| Memoranda: | ||
| Average total assets | $149,206,000 | 3,888 |
| Average earning assets | $140,011,600 | 3,819 |
| Average equity | $11,117,600 | 4,838 |
| Average total loans | $74,572,400 | 4,503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4538% | 6,717 |
| Cost of funding earning assets | 1.3129% | 4,137 |
| Net interest margin | 3.1409% | 6,506 |
| Noninterest income to average assets | 0.5447% | 3,831 |
| Noninterest expense to average assets | 2.3769% | 6,093 |
| Loan and lease loss provision to assets | 0.0542% | 6,527 |
| Net operating income to assets | 1.0111% | 2,196 |
| Return on assets (ROA) | 1.5825% | 841 |
| Pretax return on assets | 1.6634% | 1,178 |
| Return on Equity (ROE) | 21.2289% | 243 |
| Retained earnings to average equity (ytd only) | 3.3494% | 4,091 |
| Net charge-offs to loans | 0.0306% | 6,255 |
| Credit loss provision to net charge-offs | 358.8235% | 868 |
| Earnings coverage of net charge-offs (x) | 73.8694% | 410 |
| Efficiency ratio | 68.0488% | 4,457 |
| Assets per employee ($millions) | 5.9397% | 1,284 |
| Cash dividends to net income (ytd only)* | 84.2223% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8173% | 6,966 |
| Loan loss allowance to noncurrent loans | 97.3479% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 6,261 |
| Noncurrent loans to loans | 0.8395% | 5,542 |
| Net loans and leases to total assets | 49.0365% | 6,430 |
| Net loans and leases to deposits | 54.7357% | 6,712 |
| Net loans and leases to core deposits | 55.8516% | 6,869 |
| Total domestic deposits to total assets | 89.5877% | 1,075 |
| Equity capital to assets | 7.4214% | 7,170 |
| Core capital (leverage) ratio | 6.9919% | 7,170 |
| Tier 1 risk-based capital ratio | 12.6345% | 4,866 |
| Total risk-based capital ratio | 13.4105% | 5,274 |
| Memoranda: | ||
| Average total assets | $150,049,750 | 3,925 |
| Average earning assets | $140,850,000 | 3,853 |
| Average equity | $11,185,750 | 4,882 |
| Average total loans | $74,179,250 | 4,595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4867% | 6,740 |
| Cost of funding earning assets | 1.3605% | 4,119 |
| Net interest margin | 3.1262% | 6,531 |
| Noninterest income to average assets | 0.5815% | 3,471 |
| Noninterest expense to average assets | 2.4134% | 6,032 |
| Loan and lease loss provision to assets | 0.0821% | 6,113 |
| Net operating income to assets | 0.9763% | 2,275 |
| Return on assets (ROA) | 1.3945% | 1,169 |
| Pretax return on assets | 1.4644% | 1,657 |
| Return on Equity (ROE) | 18.6768% | 413 |
| Retained earnings to average equity (ytd only) | 0.6490% | 5,501 |
| Net charge-offs to loans | 0.0381% | 5,831 |
| Credit loss provision to net charge-offs | 435.7143% | 828 |
| Earnings coverage of net charge-offs (x) | 58.7143% | 524 |
| Efficiency ratio | 68.5660% | 4,465 |
| Assets per employee ($millions) | 5.6743% | 1,464 |
| Cash dividends to net income (ytd only)* | 96.5251% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8458% | 6,919 |
| Loan loss allowance to noncurrent loans | 180.6916% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 6,692 |
| Noncurrent loans to loans | 0.4681% | 6,316 |
| Net loans and leases to total assets | 49.8241% | 6,452 |
| Net loans and leases to deposits | 55.6467% | 6,754 |
| Net loans and leases to core deposits | 57.1840% | 6,879 |
| Total domestic deposits to total assets | 89.5364% | 1,157 |
| Equity capital to assets | 7.6587% | 7,016 |
| Core capital (leverage) ratio | 6.7847% | 7,289 |
| Tier 1 risk-based capital ratio | 12.4740% | 4,879 |
| Total risk-based capital ratio | 13.2630% | 5,265 |
| Memoranda: | ||
| Average total assets | $148,589,000 | 3,977 |
| Average earning assets | $139,656,670 | 3,912 |
| Average equity | $11,094,000 | 4,904 |
| Average total loans | $73,455,000 | 4,659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 6,874 |
| Cost of funding earning assets | 1.3856% | 4,269 |
| Net interest margin | 3.0770% | 6,652 |
| Noninterest income to average assets | 0.5740% | 3,468 |
| Noninterest expense to average assets | 2.3257% | 6,316 |
| Loan and lease loss provision to assets | 0.1636% | 4,890 |
| Net operating income to assets | 0.9272% | 2,439 |
| Return on assets (ROA) | 1.5209% | 927 |
| Pretax return on assets | 1.5987% | 1,266 |
| Return on Equity (ROE) | 20.6341% | 346 |
| Retained earnings to average equity (ytd only) | 4.2578% | 3,599 |
| Net charge-offs to loans | 0.0547% | 4,857 |
| Credit loss provision to net charge-offs | 610.0000% | 714 |
| Earnings coverage of net charge-offs (x) | 42.4000% | 654 |
| Efficiency ratio | 67.1572% | 4,885 |
| Assets per employee ($millions) | 5.5784% | 1,594 |
| Cash dividends to net income (ytd only)* | 79.3651% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,959 |
| Loan loss allowance to noncurrent loans | 276.7544% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 6,955 |
| Noncurrent loans to loans | 0.3107% | 6,701 |
| Net loans and leases to total assets | 48.2944% | 6,645 |
| Net loans and leases to deposits | 53.6680% | 6,936 |
| Net loans and leases to core deposits | 55.6325% | 7,010 |
| Total domestic deposits to total assets | 89.9873% | 993 |
| Equity capital to assets | 7.3298% | 7,197 |
| Core capital (leverage) ratio | 6.9143% | 7,300 |
| Tier 1 risk-based capital ratio | 12.6503% | 4,600 |
| Total risk-based capital ratio | 13.4489% | 4,970 |
| Memoranda: | ||
| Average total assets | $149,118,000 | 4,027 |
| Average earning assets | $140,007,500 | 3,963 |
| Average equity | $10,991,500 | 4,975 |
| Average total loans | $73,116,000 | 4,741 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 6,990 |
| Cost of funding earning assets | 1.8459% | 3,756 |
| Net interest margin | 2.9340% | 6,793 |
| Noninterest income to average assets | 0.4893% | 4,494 |
| Noninterest expense to average assets | 2.4639% | 6,257 |
| Loan and lease loss provision to assets | 0.0624% | 6,942 |
| Net operating income to assets | 0.6814% | 3,008 |
| Return on assets (ROA) | 1.5465% | 652 |
| Pretax return on assets | 1.6238% | 912 |
| Return on Equity (ROE) | 21.0135% | 199 |
| Retained earnings to average equity (ytd only) | 8.1048% | 670 |
| Net charge-offs to loans | -0.1106% | 7,886 |
| Credit loss provision to net charge-offs | -119.4805% | 7,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0578% | 3,518 |
| Assets per employee ($millions) | 5.4673% | 1,674 |
| Cash dividends to net income (ytd only)* | 61.4305% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 7,142 |
| Loan loss allowance to noncurrent loans | 46.5863% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8969% | 5,306 |
| Noncurrent loans to loans | 1.7087% | 4,074 |
| Net loans and leases to total assets | 48.9649% | 6,730 |
| Net loans and leases to deposits | 56.1476% | 6,914 |
| Net loans and leases to core deposits | 64.5406% | 7,059 |
| Total domestic deposits to total assets | 87.2075% | 2,381 |
| Equity capital to assets | 7.4131% | 7,110 |
| Core capital (leverage) ratio | 6.7763% | 7,377 |
| Tier 1 risk-based capital ratio | 12.8173% | 4,273 |
| Total risk-based capital ratio | 13.5698% | 4,624 |
| Memoranda: | ||
| Average total assets | $147,366,200 | 3,996 |
| Average earning assets | $138,140,400 | 3,940 |
| Average equity | $10,845,400 | 5,064 |
| Average total loans | $69,596,400 | 4,876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 7,133 |
| Cost of funding earning assets | 1.9265% | 3,740 |
| Net interest margin | 2.8660% | 6,925 |
| Noninterest income to average assets | 0.4698% | 4,752 |
| Noninterest expense to average assets | 2.3380% | 6,600 |
| Loan and lease loss provision to assets | 0.0498% | 6,874 |
| Net operating income to assets | 0.7338% | 3,078 |
| Return on assets (ROA) | 1.7433% | 543 |
| Pretax return on assets | 1.8311% | 753 |
| Return on Equity (ROE) | 23.7311% | 142 |
| Retained earnings to average equity (ytd only) | 10.1775% | 603 |
| Net charge-offs to loans | -0.1687% | 7,961 |
| Credit loss provision to net charge-offs | -63.2184% | 7,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0751% | 3,851 |
| Assets per employee ($millions) | 5.9487% | 1,246 |
| Cash dividends to net income (ytd only)* | 57.1131% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 7,101 |
| Loan loss allowance to noncurrent loans | 47.8788% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9362% | 5,196 |
| Noncurrent loans to loans | 1.6798% | 4,131 |
| Net loans and leases to total assets | 44.0989% | 7,240 |
| Net loans and leases to deposits | 49.8669% | 7,416 |
| Net loans and leases to core deposits | 56.7551% | 7,520 |
| Total domestic deposits to total assets | 88.4331% | 1,464 |
| Equity capital to assets | 7.0319% | 7,580 |
| Core capital (leverage) ratio | 6.6953% | 7,586 |
| Tier 1 risk-based capital ratio | 13.2186% | 4,037 |
| Total risk-based capital ratio | 13.9626% | 4,334 |
| Memoranda: | ||
| Average total assets | $147,303,250 | 4,019 |
| Average earning assets | $138,072,750 | 3,964 |
| Average equity | $10,821,000 | 5,108 |
| Average total loans | $68,780,250 | 4,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 6,999 |
| Cost of funding earning assets | 2.0056% | 3,745 |
| Net interest margin | 2.9081% | 6,781 |
| Noninterest income to average assets | 0.4860% | 4,573 |
| Noninterest expense to average assets | 2.3956% | 6,472 |
| Loan and lease loss provision to assets | 0.0414% | 6,823 |
| Net operating income to assets | 0.7589% | 3,011 |
| Return on assets (ROA) | 1.9303% | 381 |
| Pretax return on assets | 2.0269% | 525 |
| Return on Equity (ROE) | 25.8825% | 122 |
| Retained earnings to average equity (ytd only) | 11.0713% | 555 |
| Net charge-offs to loans | -0.2442% | 8,045 |
| Credit loss provision to net charge-offs | -35.7143% | 6,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1453% | 4,012 |
| Assets per employee ($millions) | 5.3818% | 1,689 |
| Cash dividends to net income (ytd only)* | 57.2246% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 7,192 |
| Loan loss allowance to noncurrent loans | 48.1210% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9187% | 5,138 |
| Noncurrent loans to loans | 1.6372% | 4,043 |
| Net loans and leases to total assets | 45.4989% | 7,230 |
| Net loans and leases to deposits | 50.4683% | 7,467 |
| Net loans and leases to core deposits | 57.5330% | 7,539 |
| Total domestic deposits to total assets | 90.1534% | 766 |
| Equity capital to assets | 7.0477% | 7,583 |
| Core capital (leverage) ratio | 6.5861% | 7,753 |
| Tier 1 risk-based capital ratio | 13.7210% | 3,680 |
| Total risk-based capital ratio | 14.4713% | 3,904 |
| Memoranda: | ||
| Average total assets | $144,849,000 | 4,087 |
| Average earning assets | $136,719,670 | 4,015 |
| Average equity | $10,802,670 | 5,138 |
| Average total loans | $68,787,330 | 5,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 6,869 |
| Cost of funding earning assets | 2.0513% | 3,867 |
| Net interest margin | 2.9744% | 6,548 |
| Noninterest income to average assets | 0.4896% | 4,413 |
| Noninterest expense to average assets | 2.0882% | 7,144 |
| Loan and lease loss provision to assets | 0.0830% | 5,897 |
| Net operating income to assets | 1.0768% | 2,041 |
| Return on assets (ROA) | 2.3538% | 203 |
| Pretax return on assets | 2.4699% | 273 |
| Return on Equity (ROE) | 30.7123% | 98 |
| Retained earnings to average equity (ytd only) | 19.8854% | 165 |
| Net charge-offs to loans | -0.1603% | 7,982 |
| Credit loss provision to net charge-offs | -107.1429% | 6,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3389% | 5,804 |
| Assets per employee ($millions) | 5.5783% | 1,499 |
| Cash dividends to net income (ytd only)* | 35.2526% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6851% | 7,487 |
| Loan loss allowance to noncurrent loans | 45.6670% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6819% | 5,456 |
| Noncurrent loans to loans | 1.5002% | 4,039 |
| Net loans and leases to total assets | 45.1396% | 7,252 |
| Net loans and leases to deposits | 50.0151% | 7,492 |
| Net loans and leases to core deposits | 56.6927% | 7,586 |
| Total domestic deposits to total assets | 90.2520% | 694 |
| Equity capital to assets | 7.4787% | 7,368 |
| Core capital (leverage) ratio | 6.8990% | 7,696 |
| Tier 1 risk-based capital ratio | 13.2248% | 4,038 |
| Total risk-based capital ratio | 13.8740% | 4,373 |
| Memoranda: | ||
| Average total assets | $144,619,000 | 4,102 |
| Average earning assets | $136,500,000 | 4,025 |
| Average equity | $11,083,500 | 5,084 |
| Average total loans | $69,861,500 | 4,988 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 7,169 |
| Cost of funding earning assets | 2.6283% | 3,536 |
| Net interest margin | 2.9355% | 7,063 |
| Noninterest income to average assets | 0.5218% | 4,453 |
| Noninterest expense to average assets | 2.4136% | 6,350 |
| Loan and lease loss provision to assets | 0.1911% | 4,971 |
| Net operating income to assets | 0.6316% | 4,183 |
| Return on assets (ROA) | 0.9297% | 2,732 |
| Pretax return on assets | 0.9775% | 3,459 |
| Return on Equity (ROE) | 13.1050% | 1,306 |
| Retained earnings to average equity (ytd only) | 2.6417% | 3,540 |
| Net charge-offs to loans | 0.4213% | 2,713 |
| Credit loss provision to net charge-offs | 90.5923% | 5,672 |
| Earnings coverage of net charge-offs (x) | 4.0523% | 4,123 |
| Efficiency ratio | 73.8475% | 3,606 |
| Assets per employee ($millions) | 5.3317% | 1,602 |
| Cash dividends to net income (ytd only)* | 79.8419% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5767% | 7,714 |
| Loan loss allowance to noncurrent loans | 62.2727% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,797 |
| Noncurrent loans to loans | 0.9261% | 4,770 |
| Net loans and leases to total assets | 51.1142% | 6,926 |
| Net loans and leases to deposits | 57.3668% | 7,240 |
| Net loans and leases to core deposits | 65.9610% | 7,363 |
| Total domestic deposits to total assets | 89.1007% | 1,004 |
| Equity capital to assets | 7.8652% | 7,024 |
| Core capital (leverage) ratio | 6.6329% | 7,884 |
| Tier 1 risk-based capital ratio | 12.3219% | 4,568 |
| Total risk-based capital ratio | 12.8844% | 5,007 |
| Memoranda: | ||
| Average total assets | $136,062,000 | 4,163 |
| Average earning assets | $127,305,200 | 4,103 |
| Average equity | $9,652,800 | 5,522 |
| Average total loans | $68,123,000 | 4,942 |