Home > Farmers State Bank of Calhan > Performance and Condition Ratios
Farmers State Bank of Calhan, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 3,390 |
| Cost of funding earning assets | 1.6669% | 1,525 |
| Net interest margin | 2.6655% | 3,872 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.1989% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7646% | 2,998 |
| Return on assets (ROA) | 0.7646% | 2,975 |
| Pretax return on assets | 0.7646% | 3,303 |
| Return on Equity (ROE) | 17.1100% | 934 |
| Retained earnings to average equity (ytd only) | 4.2581% | 2,875 |
| Net charge-offs to loans | 0.0228% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 69.7381% | 1,094 |
| Efficiency ratio | 74.2007% | 1,434 |
| Assets per employee ($millions) | 7.9586% | 1,463 |
| Cash dividends to net income (ytd only)* | 75.1110% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 3,850 |
| Loan loss allowance to noncurrent loans | 456.2319% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,971 |
| Noncurrent loans to loans | 0.1865% | 2,585 |
| Net loans and leases to total assets | 45.2000% | 3,853 |
| Net loans and leases to deposits | 57.4054% | 3,651 |
| Net loans and leases to core deposits | 63.5520% | 3,608 |
| Total domestic deposits to total assets | 78.7300% | 3,645 |
| Equity capital to assets | 4.4332% | 4,473 |
| Core capital (leverage) ratio | 8.8654% | 3,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2350% | 1,219 |
| Memoranda: | ||
| Average total assets | $383,098,200 | 2,068 |
| Average earning assets | $361,504,200 | 2,036 |
| Average equity | $17,120,200 | 3,085 |
| Average total loans | $184,595,600 | 2,401 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2571% | 3,363 |
| Cost of funding earning assets | 1.4344% | 1,778 |
| Net interest margin | 2.8227% | 3,692 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.2667% | 2,898 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8451% | 2,877 |
| Return on assets (ROA) | 0.8451% | 2,860 |
| Pretax return on assets | 0.8451% | 3,229 |
| Return on Equity (ROE) | 18.8700% | 836 |
| Retained earnings to average equity (ytd only) | 5.4589% | 2,793 |
| Net charge-offs to loans | 0.0195% | 1,735 |
| Credit loss provision to net charge-offs | 51.8519% | 1,885 |
| Earnings coverage of net charge-offs (x) | 89.1111% | 981 |
| Efficiency ratio | 72.7273% | 1,478 |
| Assets per employee ($millions) | 7.2754% | 1,768 |
| Cash dividends to net income (ytd only)* | 71.0702% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 3,838 |
| Loan loss allowance to noncurrent loans | 451.2676% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 2,953 |
| Noncurrent loans to loans | 0.1915% | 2,594 |
| Net loans and leases to total assets | 48.5700% | 3,708 |
| Net loans and leases to deposits | 59.5054% | 3,535 |
| Net loans and leases to core deposits | 66.1175% | 3,424 |
| Total domestic deposits to total assets | 81.6200% | 3,288 |
| Equity capital to assets | 4.3283% | 4,363 |
| Core capital (leverage) ratio | 9.2130% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1863% | 1,069 |
| Memoranda: | ||
| Average total assets | $377,400,500 | 2,091 |
| Average earning assets | $355,823,750 | 2,059 |
| Average equity | $16,901,750 | 3,089 |
| Average total loans | $184,489,000 | 2,406 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1751% | 3,347 |
| Cost of funding earning assets | 1.3473% | 1,589 |
| Net interest margin | 2.8278% | 3,781 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.2207% | 3,013 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.8910% | 2,786 |
| Return on assets (ROA) | 0.8910% | 2,771 |
| Pretax return on assets | 0.8910% | 3,191 |
| Return on Equity (ROE) | 19.6800% | 743 |
| Retained earnings to average equity (ytd only) | 6.7926% | 2,358 |
| Net charge-offs to loans | 0.0282% | 1,322 |
| Credit loss provision to net charge-offs | 53.8462% | 1,654 |
| Earnings coverage of net charge-offs (x) | 65.1538% | 1,151 |
| Efficiency ratio | 71.1954% | 1,643 |
| Assets per employee ($millions) | 6.9909% | 1,933 |
| Cash dividends to net income (ytd only)* | 65.4762% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,887 |
| Loan loss allowance to noncurrent loans | 519.0939% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,964 |
| Noncurrent loans to loans | 0.1648% | 2,652 |
| Net loans and leases to total assets | 49.2400% | 3,604 |
| Net loans and leases to deposits | 59.9562% | 3,421 |
| Net loans and leases to core deposits | 65.8507% | 3,356 |
| Total domestic deposits to total assets | 82.1200% | 3,210 |
| Equity capital to assets | 4.8017% | 4,406 |
| Core capital (leverage) ratio | 9.2361% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5411% | 1,207 |
| Memoranda: | ||
| Average total assets | $377,094,000 | 2,094 |
| Average earning assets | $355,682,333 | 2,068 |
| Average equity | $17,077,333 | 3,099 |
| Average total loans | $184,201,667 | 2,398 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1559% | 3,126 |
| Cost of funding earning assets | 1.2758% | 1,284 |
| Net interest margin | 2.8801% | 3,820 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.3158% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8512% | 3,017 |
| Return on assets (ROA) | 0.8512% | 2,968 |
| Pretax return on assets | 0.8512% | 3,345 |
| Return on Equity (ROE) | 19.3800% | 829 |
| Retained earnings to average equity (ytd only) | 19.3808% | 411 |
| Net charge-offs to loans | 0.0263% | 1,166 |
| Credit loss provision to net charge-offs | 33.3333% | 1,338 |
| Earnings coverage of net charge-offs (x) | 67.1667% | 962 |
| Efficiency ratio | 73.0254% | 1,431 |
| Assets per employee ($millions) | 6.8761% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 3,919 |
| Loan loss allowance to noncurrent loans | 1,023.5669% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0415% | 3,368 |
| Noncurrent loans to loans | 0.0854% | 3,129 |
| Net loans and leases to total assets | 48.1700% | 3,615 |
| Net loans and leases to deposits | 57.6266% | 3,473 |
| Net loans and leases to core deposits | 62.6185% | 3,413 |
| Total domestic deposits to total assets | 83.5800% | 3,179 |
| Equity capital to assets | 4.5927% | 4,478 |
| Core capital (leverage) ratio | 9.2972% | 3,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0007% | 1,369 |
| Memoranda: | ||
| Average total assets | $376,886,500 | 2,115 |
| Average earning assets | $355,542,500 | 2,095 |
| Average equity | $16,552,500 | 3,170 |
| Average total loans | $182,561,500 | 2,436 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 2,385 |
| Cost of funding earning assets | 0.6098% | 862 |
| Net interest margin | 3.1481% | 3,029 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.4549% | 2,258 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.1272% | 2,066 |
| Return on assets (ROA) | 1.1272% | 2,010 |
| Pretax return on assets | 1.1272% | 2,680 |
| Return on Equity (ROE) | 21.1400% | 386 |
| Retained earnings to average equity (ytd only) | 7.3668% | 2,075 |
| Net charge-offs to loans | 0.0236% | 1,586 |
| Credit loss provision to net charge-offs | 212.5000% | 1,082 |
| Earnings coverage of net charge-offs (x) | 106.6750% | 948 |
| Efficiency ratio | 68.0972% | 1,949 |
| Assets per employee ($millions) | 7.2228% | 1,807 |
| Cash dividends to net income (ytd only)* | 65.1602% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 3,807 |
| Loan loss allowance to noncurrent loans | 693.5622% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,184 |
| Noncurrent loans to loans | 0.1285% | 2,867 |
| Net loans and leases to total assets | 47.8600% | 3,677 |
| Net loans and leases to deposits | 58.5894% | 3,415 |
| Net loans and leases to core deposits | 60.6782% | 3,469 |
| Total domestic deposits to total assets | 81.6800% | 3,667 |
| Equity capital to assets | 4.1897% | 4,496 |
| Core capital (leverage) ratio | 9.1830% | 3,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3674% | 1,277 |
| Memoranda: | ||
| Average total assets | $371,019,600 | 2,139 |
| Average earning assets | $350,432,200 | 2,110 |
| Average equity | $19,777,800 | 2,971 |
| Average total loans | $169,186,800 | 2,465 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 2,092 |
| Cost of funding earning assets | 0.4839% | 824 |
| Net interest margin | 3.1987% | 2,628 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.2425% | 2,813 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4365% | 990 |
| Return on assets (ROA) | 1.4365% | 966 |
| Pretax return on assets | 1.4365% | 1,609 |
| Return on Equity (ROE) | 25.5600% | 170 |
| Retained earnings to average equity (ytd only) | 12.4426% | 706 |
| Net charge-offs to loans | 0.0297% | 1,239 |
| Credit loss provision to net charge-offs | 229.7297% | 923 |
| Earnings coverage of net charge-offs (x) | 110.0000% | 895 |
| Efficiency ratio | 60.4509% | 3,061 |
| Assets per employee ($millions) | 7.4619% | 1,635 |
| Cash dividends to net income (ytd only)* | 51.3174% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,774 |
| Loan loss allowance to noncurrent loans | 706.9869% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,272 |
| Noncurrent loans to loans | 0.1313% | 2,980 |
| Net loans and leases to total assets | 46.3100% | 3,738 |
| Net loans and leases to deposits | 57.1015% | 3,399 |
| Net loans and leases to core deposits | 59.1264% | 3,442 |
| Total domestic deposits to total assets | 81.1100% | 3,964 |
| Equity capital to assets | 4.3485% | 4,431 |
| Core capital (leverage) ratio | 9.4903% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6464% | 1,519 |
| Memoranda: | ||
| Average total assets | $369,878,250 | 2,154 |
| Average earning assets | $349,637,500 | 2,124 |
| Average equity | $20,788,250 | 2,924 |
| Average total loans | $166,143,500 | 2,491 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6277% | 1,754 |
| Cost of funding earning assets | 0.3650% | 1,153 |
| Net interest margin | 3.2627% | 2,023 |
| Noninterest income to average assets | 0.5206% | 2,083 |
| Noninterest expense to average assets | 2.2359% | 2,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3774% | 962 |
| Return on assets (ROA) | 1.3774% | 943 |
| Pretax return on assets | 1.3774% | 1,501 |
| Return on Equity (ROE) | 22.7704% | 172 |
| Retained earnings to average equity (ytd only) | 9.0544% | 1,276 |
| Net charge-offs to loans | 0.0318% | 1,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 97.6923% | 828 |
| Efficiency ratio | 61.8790% | 3,060 |
| Assets per employee ($millions) | 7.4127% | 1,669 |
| Cash dividends to net income (ytd only)* | 60.2362% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 3,869 |
| Loan loss allowance to noncurrent loans | 835.1351% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,478 |
| Noncurrent loans to loans | 0.1112% | 3,188 |
| Net loans and leases to total assets | 45.3604% | 3,745 |
| Net loans and leases to deposits | 57.0422% | 3,300 |
| Net loans and leases to core deposits | 58.8679% | 3,356 |
| Total domestic deposits to total assets | 79.5209% | 4,266 |
| Equity capital to assets | 2.9147% | 4,693 |
| Core capital (leverage) ratio | 8.8420% | 3,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2003% | 1,390 |
| Memoranda: | ||
| Average total assets | $368,806,333 | 2,164 |
| Average earning assets | $349,591,333 | 2,144 |
| Average equity | $22,309,667 | 2,865 |
| Average total loans | $163,386,000 | 2,522 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5086% | 1,787 |
| Cost of funding earning assets | 0.3130% | 1,535 |
| Net interest margin | 3.1956% | 1,897 |
| Noninterest income to average assets | 0.4909% | 2,189 |
| Noninterest expense to average assets | 2.1582% | 2,951 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3660% | 866 |
| Return on assets (ROA) | 1.3660% | 857 |
| Pretax return on assets | 1.3660% | 1,340 |
| Return on Equity (ROE) | 18.0185% | 338 |
| Retained earnings to average equity (ytd only) | 18.0185% | 141 |
| Net charge-offs to loans | 0.0173% | 1,185 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 181.2857% | 462 |
| Efficiency ratio | 61.2401% | 3,353 |
| Assets per employee ($millions) | 7.2855% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,862 |
| Loan loss allowance to noncurrent loans | 873.7430% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,516 |
| Noncurrent loans to loans | 0.1104% | 3,282 |
| Net loans and leases to total assets | 43.2336% | 3,795 |
| Net loans and leases to deposits | 57.4373% | 3,130 |
| Net loans and leases to core deposits | 59.0517% | 3,234 |
| Total domestic deposits to total assets | 75.2710% | 4,529 |
| Equity capital to assets | 6.4533% | 4,444 |
| Core capital (leverage) ratio | 9.1007% | 3,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5708% | 1,129 |
| Memoranda: | ||
| Average total assets | $371,597,500 | 2,166 |
| Average earning assets | $352,732,000 | 2,139 |
| Average equity | $28,171,000 | 2,594 |
| Average total loans | $161,926,500 | 2,533 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7415% | 2,001 |
| Cost of funding earning assets | 0.3556% | 1,888 |
| Net interest margin | 3.3859% | 2,076 |
| Noninterest income to average assets | 0.5177% | 2,490 |
| Noninterest expense to average assets | 2.3559% | 2,638 |
| Loan and lease loss provision to assets | 0.0487% | 2,083 |
| Net operating income to assets | 1.3189% | 1,554 |
| Return on assets (ROA) | 1.3307% | 1,551 |
| Pretax return on assets | 1.3307% | 2,260 |
| Return on Equity (ROE) | 14.1145% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.5203% | 2,114 |
| Net charge-offs to loans | 0.1295% | 705 |
| Credit loss provision to net charge-offs | 87.8788% | 1,896 |
| Earnings coverage of net charge-offs (x) | 24.6970% | 1,739 |
| Efficiency ratio | 63.2717% | 2,673 |
| Assets per employee ($millions) | 7.2869% | 1,739 |
| Cash dividends to net income (ytd only)* | 53.8041% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,869 |
| Loan loss allowance to noncurrent loans | 563.0824% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,428 |
| Noncurrent loans to loans | 0.1726% | 3,088 |
| Net loans and leases to total assets | 43.0743% | 3,907 |
| Net loans and leases to deposits | 55.1202% | 3,505 |
| Net loans and leases to core deposits | 56.9431% | 3,552 |
| Total domestic deposits to total assets | 78.1461% | 4,380 |
| Equity capital to assets | 8.7086% | 3,875 |
| Core capital (leverage) ratio | 8.8845% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9569% | 1,048 |
| Memoranda: | ||
| Average total assets | $357,567,400 | 2,162 |
| Average earning assets | $338,553,400 | 2,141 |
| Average equity | $33,710,000 | 2,344 |
| Average total loans | $152,939,000 | 2,606 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 1,996 |
| Cost of funding earning assets | 0.3607% | 2,014 |
| Net interest margin | 3.4495% | 2,010 |
| Noninterest income to average assets | 0.5129% | 2,567 |
| Noninterest expense to average assets | 2.3555% | 2,584 |
| Loan and lease loss provision to assets | 0.0489% | 2,020 |
| Net operating income to assets | 1.3711% | 1,626 |
| Return on assets (ROA) | 1.3870% | 1,647 |
| Pretax return on assets | 1.3870% | 2,391 |
| Return on Equity (ROE) | 14.4231% | 1,272 |
| Retained earnings to average equity (ytd only) | 6.7475% | 2,522 |
| Net charge-offs to loans | 0.1769% | 490 |
| Credit loss provision to net charge-offs | 65.0000% | 1,782 |
| Earnings coverage of net charge-offs (x) | 18.8550% | 1,774 |
| Efficiency ratio | 62.3878% | 2,635 |
| Assets per employee ($millions) | 7.1090% | 1,797 |
| Cash dividends to net income (ytd only)* | 53.2175% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 3,999 |
| Loan loss allowance to noncurrent loans | 881.5029% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.4104% | 1,818 |
| Noncurrent loans to loans | 0.1081% | 3,554 |
| Net loans and leases to total assets | 42.8644% | 4,033 |
| Net loans and leases to deposits | 57.1404% | 3,478 |
| Net loans and leases to core deposits | 59.1599% | 3,534 |
| Total domestic deposits to total assets | 75.0158% | 4,599 |
| Equity capital to assets | 9.3144% | 3,544 |
| Core capital (leverage) ratio | 9.0282% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0829% | 1,114 |
| Memoranda: | ||
| Average total assets | $354,051,250 | 2,194 |
| Average earning assets | $334,880,500 | 2,182 |
| Average equity | $34,046,500 | 2,366 |
| Average total loans | $150,761,500 | 2,665 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 1,695 |
| Cost of funding earning assets | 0.3681% | 2,153 |
| Net interest margin | 3.5777% | 1,641 |
| Noninterest income to average assets | 0.5080% | 2,592 |
| Noninterest expense to average assets | 2.3133% | 2,727 |
| Loan and lease loss provision to assets | 0.0499% | 2,034 |
| Net operating income to assets | 1.5273% | 1,223 |
| Return on assets (ROA) | 1.5514% | 1,225 |
| Pretax return on assets | 1.5514% | 1,868 |
| Return on Equity (ROE) | 15.9561% | 966 |
| Retained earnings to average equity (ytd only) | 7.9368% | 2,098 |
| Net charge-offs to loans | 0.2627% | 337 |
| Credit loss provision to net charge-offs | 44.8454% | 1,632 |
| Earnings coverage of net charge-offs (x) | 14.1804% | 1,676 |
| Efficiency ratio | 59.4607% | 3,087 |
| Assets per employee ($millions) | 7.0555% | 1,762 |
| Cash dividends to net income (ytd only)* | 50.2587% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9510% | 3,991 |
| Loan loss allowance to noncurrent loans | 325.6018% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 1,668 |
| Noncurrent loans to loans | 0.2921% | 2,881 |
| Net loans and leases to total assets | 43.0685% | 4,108 |
| Net loans and leases to deposits | 55.1199% | 3,782 |
| Net loans and leases to core deposits | 57.1816% | 3,820 |
| Total domestic deposits to total assets | 78.1360% | 4,419 |
| Equity capital to assets | 9.4259% | 3,405 |
| Core capital (leverage) ratio | 9.1719% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7835% | 1,174 |
| Memoranda: | ||
| Average total assets | $348,846,333 | 2,208 |
| Average earning assets | $329,822,000 | 2,191 |
| Average equity | $33,918,000 | 2,359 |
| Average total loans | $147,688,667 | 2,709 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0681% | 1,461 |
| Cost of funding earning assets | 0.3798% | 2,264 |
| Net interest margin | 3.6883% | 1,358 |
| Noninterest income to average assets | 0.4916% | 2,646 |
| Noninterest expense to average assets | 2.3136% | 2,744 |
| Loan and lease loss provision to assets | 0.0501% | 2,092 |
| Net operating income to assets | 1.6123% | 1,107 |
| Return on assets (ROA) | 1.6613% | 1,053 |
| Pretax return on assets | 1.6613% | 1,577 |
| Return on Equity (ROE) | 16.8168% | 877 |
| Retained earnings to average equity (ytd only) | 16.8168% | 440 |
| Net charge-offs to loans | 0.0112% | 1,532 |
| Credit loss provision to net charge-offs | 1,075.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 356.7500% | 259 |
| Efficiency ratio | 58.1893% | 3,274 |
| Assets per employee ($millions) | 7.1444% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 3,380 |
| Loan loss allowance to noncurrent loans | 184.4244% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,491 |
| Noncurrent loans to loans | 0.6022% | 2,068 |
| Net loans and leases to total assets | 41.5607% | 4,262 |
| Net loans and leases to deposits | 53.0330% | 4,001 |
| Net loans and leases to core deposits | 55.4174% | 4,014 |
| Total domestic deposits to total assets | 78.3676% | 4,400 |
| Equity capital to assets | 9.5225% | 3,178 |
| Core capital (leverage) ratio | 9.5526% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0682% | 1,062 |
| Memoranda: | ||
| Average total assets | $343,355,000 | 2,220 |
| Average earning assets | $324,375,500 | 2,203 |
| Average equity | $33,918,500 | 2,352 |
| Average total loans | $143,302,500 | 2,755 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 1,955 |
| Cost of funding earning assets | 0.6149% | 2,211 |
| Net interest margin | 3.6545% | 1,960 |
| Noninterest income to average assets | 0.5453% | 2,441 |
| Noninterest expense to average assets | 2.6164% | 2,495 |
| Loan and lease loss provision to assets | 0.0707% | 3,499 |
| Net operating income to assets | 1.2918% | 1,271 |
| Return on assets (ROA) | 1.3140% | 1,312 |
| Pretax return on assets | 1.3140% | 1,926 |
| Return on Equity (ROE) | 12.1937% | 1,269 |
| Retained earnings to average equity (ytd only) | 4.4365% | 2,574 |
| Net charge-offs to loans | 0.0202% | 2,662 |
| Credit loss provision to net charge-offs | 785.7143% | 916 |
| Earnings coverage of net charge-offs (x) | 151.3571% | 567 |
| Efficiency ratio | 65.7563% | 2,568 |
| Assets per employee ($millions) | 6.8701% | 1,665 |
| Cash dividends to net income (ytd only)* | 63.6163% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,235 |
| Loan loss allowance to noncurrent loans | 261.0475% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 1,816 |
| Noncurrent loans to loans | 0.4381% | 2,658 |
| Net loans and leases to total assets | 40.9590% | 4,401 |
| Net loans and leases to deposits | 53.3833% | 4,144 |
| Net loans and leases to core deposits | 55.8177% | 4,160 |
| Total domestic deposits to total assets | 76.7264% | 4,445 |
| Equity capital to assets | 10.2488% | 2,884 |
| Core capital (leverage) ratio | 9.5063% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2109% | 1,019 |
| Memoranda: | ||
| Average total assets | $311,036,000 | 2,236 |
| Average earning assets | $292,242,200 | 2,221 |
| Average equity | $33,517,400 | 2,314 |
| Average total loans | $138,784,000 | 2,765 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 1,713 |
| Cost of funding earning assets | 0.6774% | 2,158 |
| Net interest margin | 3.7684% | 1,714 |
| Noninterest income to average assets | 0.5519% | 2,383 |
| Noninterest expense to average assets | 2.5595% | 2,666 |
| Loan and lease loss provision to assets | 0.0962% | 3,116 |
| Net operating income to assets | 1.4316% | 1,031 |
| Return on assets (ROA) | 1.4618% | 1,058 |
| Pretax return on assets | 1.4618% | 1,541 |
| Return on Equity (ROE) | 13.3845% | 1,009 |
| Retained earnings to average equity (ytd only) | 5.7706% | 2,194 |
| Net charge-offs to loans | 0.0289% | 2,255 |
| Credit loss provision to net charge-offs | 733.3333% | 1,038 |
| Earnings coverage of net charge-offs (x) | 116.3667% | 711 |
| Efficiency ratio | 62.6191% | 2,968 |
| Assets per employee ($millions) | 6.5750% | 1,771 |
| Cash dividends to net income (ytd only)* | 56.8862% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 3,246 |
| Loan loss allowance to noncurrent loans | 316.0714% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5736% | 2,007 |
| Noncurrent loans to loans | 0.3458% | 3,046 |
| Net loans and leases to total assets | 44.7509% | 4,384 |
| Net loans and leases to deposits | 59.9621% | 4,060 |
| Net loans and leases to core deposits | 62.9707% | 4,054 |
| Total domestic deposits to total assets | 74.6320% | 4,531 |
| Equity capital to assets | 10.7289% | 2,601 |
| Core capital (leverage) ratio | 9.8175% | 2,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7797% | 942 |
| Memoranda: | ||
| Average total assets | $304,636,500 | 2,251 |
| Average earning assets | $285,805,500 | 2,235 |
| Average equity | $33,271,500 | 2,317 |
| Average total loans | $138,610,750 | 2,772 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 1,647 |
| Cost of funding earning assets | 0.7612% | 2,044 |
| Net interest margin | 3.8389% | 1,717 |
| Noninterest income to average assets | 0.5502% | 2,350 |
| Noninterest expense to average assets | 2.6032% | 2,655 |
| Loan and lease loss provision to assets | 0.1473% | 2,541 |
| Net operating income to assets | 1.3983% | 1,115 |
| Return on assets (ROA) | 1.4445% | 1,119 |
| Pretax return on assets | 1.4445% | 1,603 |
| Return on Equity (ROE) | 13.1425% | 1,069 |
| Retained earnings to average equity (ytd only) | 10.0974% | 774 |
| Net charge-offs to loans | 0.0279% | 2,159 |
| Credit loss provision to net charge-offs | 1,157.8947% | 718 |
| Earnings coverage of net charge-offs (x) | 121.5263% | 615 |
| Efficiency ratio | 62.7460% | 3,000 |
| Assets per employee ($millions) | 6.4797% | 1,801 |
| Cash dividends to net income (ytd only)* | 23.1696% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 2,812 |
| Loan loss allowance to noncurrent loans | 228.8160% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 1,892 |
| Noncurrent loans to loans | 0.4996% | 2,654 |
| Net loans and leases to total assets | 43.6893% | 4,468 |
| Net loans and leases to deposits | 58.9628% | 4,169 |
| Net loans and leases to core deposits | 62.5393% | 4,156 |
| Total domestic deposits to total assets | 74.0962% | 4,589 |
| Equity capital to assets | 10.9491% | 2,388 |
| Core capital (leverage) ratio | 10.1259% | 2,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9376% | 914 |
| Memoranda: | ||
| Average total assets | $298,789,667 | 2,262 |
| Average earning assets | $280,077,333 | 2,250 |
| Average equity | $32,840,000 | 2,324 |
| Average total loans | $136,224,333 | 2,792 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,976 |
| Cost of funding earning assets | 0.8761% | 1,987 |
| Net interest margin | 3.7319% | 2,212 |
| Noninterest income to average assets | 0.5874% | 2,096 |
| Noninterest expense to average assets | 2.6908% | 2,734 |
| Loan and lease loss provision to assets | 0.1106% | 2,302 |
| Net operating income to assets | 1.2770% | 1,305 |
| Return on assets (ROA) | 1.2770% | 1,402 |
| Pretax return on assets | 1.2770% | 1,941 |
| Return on Equity (ROE) | 11.5942% | 1,229 |
| Retained earnings to average equity (ytd only) | 11.5942% | 473 |
| Net charge-offs to loans | 0.0447% | 1,579 |
| Credit loss provision to net charge-offs | 533.3333% | 848 |
| Earnings coverage of net charge-offs (x) | 66.9333% | 747 |
| Efficiency ratio | 65.9776% | 2,964 |
| Assets per employee ($millions) | 5.7842% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,236 |
| Loan loss allowance to noncurrent loans | 215.8824% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 1,947 |
| Noncurrent loans to loans | 0.5072% | 2,748 |
| Net loans and leases to total assets | 44.9463% | 4,473 |
| Net loans and leases to deposits | 61.2720% | 4,144 |
| Net loans and leases to core deposits | 65.6830% | 4,097 |
| Total domestic deposits to total assets | 73.3554% | 4,701 |
| Equity capital to assets | 11.0545% | 2,815 |
| Core capital (leverage) ratio | 10.6475% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8603% | 883 |
| Memoranda: | ||
| Average total assets | $289,431,500 | 2,269 |
| Average earning assets | $270,744,000 | 2,263 |
| Average equity | $31,878,000 | 2,359 |
| Average total loans | $134,176,500 | 2,791 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8848% | 1,795 |
| Cost of funding earning assets | 1.0200% | 1,637 |
| Net interest margin | 3.8648% | 2,291 |
| Noninterest income to average assets | 0.6172% | 2,150 |
| Noninterest expense to average assets | 2.9713% | 2,092 |
| Loan and lease loss provision to assets | 0.0227% | 3,567 |
| Net operating income to assets | 1.2268% | 1,958 |
| Return on assets (ROA) | 1.2387% | 1,994 |
| Pretax return on assets | 1.2387% | 2,705 |
| Return on Equity (ROE) | 11.7533% | 1,603 |
| Retained earnings to average equity (ytd only) | 4.4331% | 2,743 |
| Net charge-offs to loans | 0.0190% | 3,047 |
| Credit loss provision to net charge-offs | 252.0000% | 1,083 |
| Earnings coverage of net charge-offs (x) | 138.6400% | 527 |
| Efficiency ratio | 70.3963% | 2,113 |
| Assets per employee ($millions) | 5.4590% | 2,097 |
| Cash dividends to net income (ytd only)* | 62.2817% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,252 |
| Loan loss allowance to noncurrent loans | 335.6459% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6207% | 2,029 |
| Noncurrent loans to loans | 0.3113% | 3,328 |
| Net loans and leases to total assets | 46.8149% | 4,489 |
| Net loans and leases to deposits | 63.6699% | 4,096 |
| Net loans and leases to core deposits | 67.5719% | 4,104 |
| Total domestic deposits to total assets | 73.5276% | 4,792 |
| Equity capital to assets | 10.9720% | 3,020 |
| Core capital (leverage) ratio | 10.4343% | 3,027 |
| Tier 1 risk-based capital ratio | 17.9144% | 1,782 |
| Total risk-based capital ratio | 18.7729% | 1,835 |
| Memoranda: | ||
| Average total assets | $277,384,000 | 2,287 |
| Average earning assets | $258,639,400 | 2,284 |
| Average equity | $29,234,400 | 2,436 |
| Average total loans | $131,596,600 | 2,805 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 1,868 |
| Cost of funding earning assets | 1.0430% | 1,570 |
| Net interest margin | 3.8388% | 2,469 |
| Noninterest income to average assets | 0.5855% | 2,282 |
| Noninterest expense to average assets | 2.9097% | 2,232 |
| Loan and lease loss provision to assets | 0.0300% | 3,301 |
| Net operating income to assets | 1.2228% | 2,118 |
| Return on assets (ROA) | 1.2305% | 2,169 |
| Pretax return on assets | 1.2305% | 2,882 |
| Return on Equity (ROE) | 11.7999% | 1,686 |
| Retained earnings to average equity (ytd only) | 5.3552% | 2,705 |
| Net charge-offs to loans | 0.0285% | 2,526 |
| Credit loss provision to net charge-offs | 221.4286% | 1,213 |
| Earnings coverage of net charge-offs (x) | 92.5417% | 790 |
| Efficiency ratio | 69.9036% | 2,128 |
| Assets per employee ($millions) | 5.8369% | 1,727 |
| Cash dividends to net income (ytd only)* | 54.6170% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,244 |
| Loan loss allowance to noncurrent loans | 224.1987% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 1,946 |
| Noncurrent loans to loans | 0.4710% | 2,889 |
| Net loans and leases to total assets | 46.7825% | 4,563 |
| Net loans and leases to deposits | 62.6303% | 4,257 |
| Net loans and leases to core deposits | 66.9996% | 4,219 |
| Total domestic deposits to total assets | 74.6963% | 4,769 |
| Equity capital to assets | 10.9721% | 3,115 |
| Core capital (leverage) ratio | 10.5415% | 3,070 |
| Tier 1 risk-based capital ratio | 18.0424% | 1,801 |
| Total risk-based capital ratio | 18.9087% | 1,869 |
| Memoranda: | ||
| Average total assets | $275,762,750 | 2,314 |
| Average earning assets | $256,948,000 | 2,305 |
| Average equity | $28,756,500 | 2,477 |
| Average total loans | $130,921,750 | 2,843 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 1,632 |
| Cost of funding earning assets | 1.0616% | 1,443 |
| Net interest margin | 3.8801% | 2,303 |
| Noninterest income to average assets | 0.5476% | 2,399 |
| Noninterest expense to average assets | 2.8357% | 2,463 |
| Loan and lease loss provision to assets | 0.0452% | 2,918 |
| Net operating income to assets | 1.2804% | 1,849 |
| Return on assets (ROA) | 1.2913% | 1,867 |
| Pretax return on assets | 1.2913% | 2,588 |
| Return on Equity (ROE) | 12.6072% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.4140% | 2,096 |
| Net charge-offs to loans | 0.0046% | 3,001 |
| Credit loss provision to net charge-offs | 2,066.6667% | 178 |
| Earnings coverage of net charge-offs (x) | 606.0000% | 129 |
| Efficiency ratio | 68.1444% | 2,509 |
| Assets per employee ($millions) | 5.5045% | 1,964 |
| Cash dividends to net income (ytd only)* | 49.1248% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,122 |
| Loan loss allowance to noncurrent loans | 234.9835% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,725 |
| Noncurrent loans to loans | 0.4641% | 2,888 |
| Net loans and leases to total assets | 46.9299% | 4,606 |
| Net loans and leases to deposits | 62.1067% | 4,325 |
| Net loans and leases to core deposits | 67.3111% | 4,247 |
| Total domestic deposits to total assets | 75.5635% | 4,719 |
| Equity capital to assets | 11.0140% | 3,036 |
| Core capital (leverage) ratio | 10.4663% | 3,130 |
| Tier 1 risk-based capital ratio | 17.9503% | 1,822 |
| Total risk-based capital ratio | 18.8354% | 1,870 |
| Memoranda: | ||
| Average total assets | $274,292,670 | 2,332 |
| Average earning assets | $255,459,330 | 2,324 |
| Average equity | $28,095,000 | 2,505 |
| Average total loans | $130,405,330 | 2,864 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7404% | 2,084 |
| Cost of funding earning assets | 1.0541% | 1,362 |
| Net interest margin | 3.6862% | 2,944 |
| Noninterest income to average assets | 0.5639% | 2,210 |
| Noninterest expense to average assets | 2.8982% | 2,283 |
| Loan and lease loss provision to assets | 0.0540% | 2,583 |
| Net operating income to assets | 1.0445% | 2,679 |
| Return on assets (ROA) | 1.0445% | 2,720 |
| Pretax return on assets | 1.0445% | 3,299 |
| Return on Equity (ROE) | 10.5981% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.5981% | 904 |
| Net charge-offs to loans | 0.0184% | 2,100 |
| Credit loss provision to net charge-offs | 616.6667% | 529 |
| Earnings coverage of net charge-offs (x) | 125.3333% | 571 |
| Efficiency ratio | 72.5146% | 1,959 |
| Assets per employee ($millions) | 5.7384% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,261 |
| Loan loss allowance to noncurrent loans | 107.1374% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 1,255 |
| Noncurrent loans to loans | 1.0037% | 1,664 |
| Net loans and leases to total assets | 46.6262% | 4,643 |
| Net loans and leases to deposits | 62.7058% | 4,260 |
| Net loans and leases to core deposits | 68.4692% | 4,155 |
| Total domestic deposits to total assets | 74.3570% | 4,906 |
| Equity capital to assets | 10.1930% | 3,629 |
| Core capital (leverage) ratio | 10.4505% | 3,107 |
| Tier 1 risk-based capital ratio | 17.8196% | 1,846 |
| Total risk-based capital ratio | 18.6865% | 1,907 |
| Memoranda: | ||
| Average total assets | $273,827,500 | 2,351 |
| Average earning assets | $255,002,000 | 2,344 |
| Average equity | $26,986,000 | 2,571 |
| Average total loans | $130,315,000 | 2,900 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,803 |
| Cost of funding earning assets | 0.9460% | 939 |
| Net interest margin | 3.7604% | 2,824 |
| Noninterest income to average assets | 0.6688% | 1,968 |
| Noninterest expense to average assets | 2.9644% | 2,152 |
| Loan and lease loss provision to assets | 0.0412% | 3,365 |
| Net operating income to assets | 1.1512% | 2,377 |
| Return on assets (ROA) | 1.1527% | 2,376 |
| Pretax return on assets | 1.1527% | 3,088 |
| Return on Equity (ROE) | 11.8755% | 1,757 |
| Retained earnings to average equity (ytd only) | 5.7079% | 2,352 |
| Net charge-offs to loans | 0.0928% | 1,843 |
| Credit loss provision to net charge-offs | 93.9130% | 2,664 |
| Earnings coverage of net charge-offs (x) | 27.1913% | 1,696 |
| Efficiency ratio | 71.3146% | 1,997 |
| Assets per employee ($millions) | 5.6711% | 1,799 |
| Cash dividends to net income (ytd only)* | 51.9352% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,430 |
| Loan loss allowance to noncurrent loans | 87.6123% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 1,077 |
| Noncurrent loans to loans | 1.1911% | 1,347 |
| Net loans and leases to total assets | 47.5513% | 4,668 |
| Net loans and leases to deposits | 60.9833% | 4,429 |
| Net loans and leases to core deposits | 68.7012% | 4,197 |
| Total domestic deposits to total assets | 77.9744% | 4,494 |
| Equity capital to assets | 9.5132% | 4,119 |
| Core capital (leverage) ratio | 10.3403% | 3,212 |
| Tier 1 risk-based capital ratio | 17.4941% | 1,904 |
| Total risk-based capital ratio | 18.3475% | 1,977 |
| Memoranda: | ||
| Average total assets | $262,246,800 | 2,383 |
| Average earning assets | $243,244,600 | 2,388 |
| Average equity | $25,455,800 | 2,612 |
| Average total loans | $123,953,400 | 2,951 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 1,766 |
| Cost of funding earning assets | 0.9157% | 860 |
| Net interest margin | 3.7543% | 2,813 |
| Noninterest income to average assets | 0.6698% | 1,978 |
| Noninterest expense to average assets | 2.8698% | 2,403 |
| Loan and lease loss provision to assets | 0.0873% | 2,227 |
| Net operating income to assets | 1.1913% | 2,273 |
| Return on assets (ROA) | 1.1934% | 2,270 |
| Pretax return on assets | 1.1934% | 3,009 |
| Return on Equity (ROE) | 12.2305% | 1,709 |
| Retained earnings to average equity (ytd only) | 5.6550% | 2,850 |
| Net charge-offs to loans | 0.1080% | 1,405 |
| Credit loss provision to net charge-offs | 171.7172% | 1,554 |
| Earnings coverage of net charge-offs (x) | 25.1610% | 1,787 |
| Efficiency ratio | 69.1784% | 2,327 |
| Assets per employee ($millions) | 5.6043% | 1,821 |
| Cash dividends to net income (ytd only)* | 53.7636% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 2,934 |
| Loan loss allowance to noncurrent loans | 102.2679% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2059% | 1,155 |
| Noncurrent loans to loans | 1.1199% | 1,520 |
| Net loans and leases to total assets | 46.2995% | 4,786 |
| Net loans and leases to deposits | 59.5664% | 4,574 |
| Net loans and leases to core deposits | 67.4867% | 4,324 |
| Total domestic deposits to total assets | 77.7276% | 4,526 |
| Equity capital to assets | 9.2385% | 4,337 |
| Core capital (leverage) ratio | 10.2612% | 3,342 |
| Tier 1 risk-based capital ratio | 17.6924% | 1,873 |
| Total risk-based capital ratio | 18.6174% | 1,927 |
| Memoranda: | ||
| Average total assets | $259,755,750 | 2,413 |
| Average earning assets | $240,675,000 | 2,419 |
| Average equity | $25,345,750 | 2,631 |
| Average total loans | $122,240,500 | 2,996 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 1,746 |
| Cost of funding earning assets | 0.8581% | 884 |
| Net interest margin | 3.7540% | 2,736 |
| Noninterest income to average assets | 0.6686% | 2,012 |
| Noninterest expense to average assets | 2.9080% | 2,336 |
| Loan and lease loss provision to assets | 0.0436% | 3,021 |
| Net operating income to assets | 1.1937% | 2,226 |
| Return on assets (ROA) | 1.1961% | 2,216 |
| Pretax return on assets | 1.1961% | 2,958 |
| Return on Equity (ROE) | 12.0343% | 1,713 |
| Retained earnings to average equity (ytd only) | 4.0376% | 3,596 |
| Net charge-offs to loans | 0.1719% | 908 |
| Credit loss provision to net charge-offs | 53.8462% | 2,471 |
| Earnings coverage of net charge-offs (x) | 15.2692% | 2,053 |
| Efficiency ratio | 70.1504% | 2,287 |
| Assets per employee ($millions) | 5.4889% | 1,888 |
| Cash dividends to net income (ytd only)* | 66.4495% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,346 |
| Loan loss allowance to noncurrent loans | 67.6892% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 940 |
| Noncurrent loans to loans | 1.6056% | 1,009 |
| Net loans and leases to total assets | 45.7367% | 4,837 |
| Net loans and leases to deposits | 60.2525% | 4,516 |
| Net loans and leases to core deposits | 66.7505% | 4,326 |
| Total domestic deposits to total assets | 75.9084% | 4,860 |
| Equity capital to assets | 9.3586% | 4,230 |
| Core capital (leverage) ratio | 10.4132% | 3,125 |
| Tier 1 risk-based capital ratio | 17.8115% | 1,856 |
| Total risk-based capital ratio | 18.6835% | 1,913 |
| Memoranda: | ||
| Average total assets | $256,672,670 | 2,453 |
| Average earning assets | $237,721,670 | 2,454 |
| Average equity | $25,510,330 | 2,630 |
| Average total loans | $120,990,330 | 3,027 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5417% | 1,740 |
| Cost of funding earning assets | 0.8005% | 954 |
| Net interest margin | 3.7413% | 2,645 |
| Noninterest income to average assets | 0.6191% | 2,174 |
| Noninterest expense to average assets | 3.0054% | 2,048 |
| Loan and lease loss provision to assets | 0.0300% | 3,113 |
| Net operating income to assets | 1.0455% | 2,667 |
| Return on assets (ROA) | 1.0455% | 2,682 |
| Pretax return on assets | 1.0455% | 3,375 |
| Return on Equity (ROE) | 10.2094% | 2,330 |
| Retained earnings to average equity (ytd only) | 10.2094% | 1,102 |
| Net charge-offs to loans | 0.0630% | 1,476 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 35.8421% | 1,128 |
| Efficiency ratio | 73.6455% | 1,942 |
| Assets per employee ($millions) | 5.1711% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,200 |
| Loan loss allowance to noncurrent loans | 58.6826% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.6757% | 776 |
| Noncurrent loans to loans | 1.9280% | 843 |
| Net loans and leases to total assets | 47.3161% | 4,733 |
| Net loans and leases to deposits | 63.3438% | 4,250 |
| Net loans and leases to core deposits | 69.0205% | 4,147 |
| Total domestic deposits to total assets | 74.6974% | 5,089 |
| Equity capital to assets | 10.0006% | 3,592 |
| Core capital (leverage) ratio | 10.7145% | 2,725 |
| Tier 1 risk-based capital ratio | 18.2481% | 1,762 |
| Total risk-based capital ratio | 19.1690% | 1,807 |
| Memoranda: | ||
| Average total assets | $253,274,500 | 2,491 |
| Average earning assets | $234,360,000 | 2,498 |
| Average equity | $25,937,000 | 2,620 |
| Average total loans | $120,572,500 | 3,060 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,760 |
| Cost of funding earning assets | 0.6535% | 1,278 |
| Net interest margin | 3.8325% | 2,309 |
| Noninterest income to average assets | 0.6385% | 2,257 |
| Noninterest expense to average assets | 3.0479% | 2,023 |
| Loan and lease loss provision to assets | 0.1613% | 1,388 |
| Net operating income to assets | 0.9718% | 2,358 |
| Return on assets (ROA) | 1.1129% | 1,842 |
| Pretax return on assets | 1.1166% | 3,117 |
| Return on Equity (ROE) | 10.3423% | 1,753 |
| Retained earnings to average equity (ytd only) | 5.2747% | 1,951 |
| Net charge-offs to loans | 0.2216% | 1,168 |
| Credit loss provision to net charge-offs | 150.3846% | 1,771 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 2,659 |
| Efficiency ratio | 72.8339% | 2,093 |
| Assets per employee ($millions) | 5.3865% | 2,067 |
| Cash dividends to net income (ytd only)* | 48.9993% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,092 |
| Loan loss allowance to noncurrent loans | 64.9621% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.5879% | 840 |
| Noncurrent loans to loans | 1.7617% | 913 |
| Net loans and leases to total assets | 46.8112% | 4,843 |
| Net loans and leases to deposits | 63.4848% | 4,353 |
| Net loans and leases to core deposits | 68.4023% | 4,269 |
| Total domestic deposits to total assets | 73.7360% | 5,204 |
| Equity capital to assets | 10.4810% | 3,189 |
| Core capital (leverage) ratio | 10.7070% | 2,643 |
| Tier 1 risk-based capital ratio | 18.0967% | 1,776 |
| Total risk-based capital ratio | 19.0326% | 1,812 |
| Memoranda: | ||
| Average total assets | $242,430,000 | 2,548 |
| Average earning assets | $224,320,800 | 2,554 |
| Average equity | $26,087,000 | 2,601 |
| Average total loans | $117,334,200 | 3,095 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 1,703 |
| Cost of funding earning assets | 0.6444% | 1,278 |
| Net interest margin | 3.8348% | 2,266 |
| Noninterest income to average assets | 0.6401% | 2,253 |
| Noninterest expense to average assets | 3.0037% | 2,097 |
| Loan and lease loss provision to assets | 0.0395% | 3,318 |
| Net operating income to assets | 1.1395% | 1,917 |
| Return on assets (ROA) | 1.1406% | 1,967 |
| Pretax return on assets | 1.1456% | 3,130 |
| Return on Equity (ROE) | 10.5277% | 1,891 |
| Retained earnings to average equity (ytd only) | 5.7951% | 2,381 |
| Net charge-offs to loans | 0.2811% | 773 |
| Credit loss provision to net charge-offs | 28.8618% | 3,093 |
| Earnings coverage of net charge-offs (x) | 8.6545% | 2,752 |
| Efficiency ratio | 71.7264% | 2,240 |
| Assets per employee ($millions) | 5.3112% | 2,110 |
| Cash dividends to net income (ytd only)* | 44.9536% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,536 |
| Loan loss allowance to noncurrent loans | 56.0757% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.5591% | 961 |
| Noncurrent loans to loans | 1.6184% | 1,130 |
| Net loans and leases to total assets | 47.6432% | 4,849 |
| Net loans and leases to deposits | 63.6965% | 4,401 |
| Net loans and leases to core deposits | 68.8650% | 4,310 |
| Total domestic deposits to total assets | 74.7972% | 5,152 |
| Equity capital to assets | 11.1242% | 2,743 |
| Core capital (leverage) ratio | 10.9171% | 2,534 |
| Tier 1 risk-based capital ratio | 18.4662% | 1,740 |
| Total risk-based capital ratio | 19.2153% | 1,815 |
| Memoranda: | ||
| Average total assets | $239,746,500 | 2,586 |
| Average earning assets | $221,786,250 | 2,589 |
| Average equity | $25,975,250 | 2,631 |
| Average total loans | $116,697,500 | 3,124 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 1,489 |
| Cost of funding earning assets | 0.6305% | 1,261 |
| Net interest margin | 3.8798% | 2,003 |
| Noninterest income to average assets | 0.6271% | 2,333 |
| Noninterest expense to average assets | 3.0383% | 2,019 |
| Loan and lease loss provision to assets | 0.0453% | 3,083 |
| Net operating income to assets | 1.1267% | 1,867 |
| Return on assets (ROA) | 1.1275% | 1,916 |
| Pretax return on assets | 1.1351% | 3,031 |
| Return on Equity (ROE) | 10.5027% | 1,826 |
| Retained earnings to average equity (ytd only) | 5.9669% | 2,141 |
| Net charge-offs to loans | 0.3847% | 536 |
| Credit loss provision to net charge-offs | 24.1071% | 2,762 |
| Earnings coverage of net charge-offs (x) | 6.2723% | 2,727 |
| Efficiency ratio | 72.0342% | 2,337 |
| Assets per employee ($millions) | 5.0988% | 2,276 |
| Cash dividends to net income (ytd only)* | 43.1869% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 4,589 |
| Loan loss allowance to noncurrent loans | 171.3600% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 1,408 |
| Noncurrent loans to loans | 0.5320% | 3,168 |
| Net loans and leases to total assets | 48.5731% | 4,789 |
| Net loans and leases to deposits | 64.2713% | 4,355 |
| Net loans and leases to core deposits | 70.1278% | 4,216 |
| Total domestic deposits to total assets | 75.5751% | 5,138 |
| Equity capital to assets | 11.1423% | 2,661 |
| Core capital (leverage) ratio | 10.7644% | 2,633 |
| Tier 1 risk-based capital ratio | 18.3852% | 1,750 |
| Total risk-based capital ratio | 19.1450% | 1,836 |
| Memoranda: | ||
| Average total assets | $238,224,000 | 2,608 |
| Average earning assets | $220,473,670 | 2,611 |
| Average equity | $25,574,330 | 2,661 |
| Average total loans | $116,441,670 | 3,136 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 1,701 |
| Cost of funding earning assets | 0.5883% | 1,452 |
| Net interest margin | 3.7946% | 2,131 |
| Noninterest income to average assets | 0.6198% | 2,321 |
| Noninterest expense to average assets | 3.0078% | 2,147 |
| Loan and lease loss provision to assets | 0.0067% | 3,474 |
| Net operating income to assets | 1.1098% | 1,828 |
| Return on assets (ROA) | 1.1115% | 1,865 |
| Pretax return on assets | 1.1267% | 2,877 |
| Return on Equity (ROE) | 10.5556% | 1,712 |
| Retained earnings to average equity (ytd only) | 10.5556% | 684 |
| Net charge-offs to loans | 0.7212% | 241 |
| Credit loss provision to net charge-offs | 1.9139% | 2,272 |
| Earnings coverage of net charge-offs (x) | 3.2153% | 2,502 |
| Efficiency ratio | 72.6607% | 2,462 |
| Assets per employee ($millions) | 5.0493% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,813 |
| Loan loss allowance to noncurrent loans | 41.5397% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 1,402 |
| Noncurrent loans to loans | 2.1321% | 813 |
| Net loans and leases to total assets | 48.8547% | 4,759 |
| Net loans and leases to deposits | 66.3568% | 4,142 |
| Net loans and leases to core deposits | 70.4160% | 4,117 |
| Total domestic deposits to total assets | 73.6242% | 5,444 |
| Equity capital to assets | 10.7755% | 2,883 |
| Core capital (leverage) ratio | 10.8126% | 2,584 |
| Tier 1 risk-based capital ratio | 18.5376% | 1,735 |
| Total risk-based capital ratio | 19.2817% | 1,824 |
| Memoranda: | ||
| Average total assets | $237,513,500 | 2,639 |
| Average earning assets | $220,314,000 | 2,636 |
| Average equity | $25,010,500 | 2,714 |
| Average total loans | $115,925,500 | 3,171 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 1,810 |
| Cost of funding earning assets | 0.5821% | 1,475 |
| Net interest margin | 3.8206% | 2,245 |
| Noninterest income to average assets | 0.6437% | 2,449 |
| Noninterest expense to average assets | 3.1675% | 1,867 |
| Loan and lease loss provision to assets | 0.0514% | 3,360 |
| Net operating income to assets | 0.9625% | 2,528 |
| Return on assets (ROA) | 0.9886% | 2,501 |
| Pretax return on assets | 0.9903% | 3,512 |
| Return on Equity (ROE) | 8.9344% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.3435% | 2,811 |
| Net charge-offs to loans | 0.0298% | 3,424 |
| Credit loss provision to net charge-offs | 352.9412% | 871 |
| Earnings coverage of net charge-offs (x) | 69.7941% | 796 |
| Efficiency ratio | 75.7213% | 2,025 |
| Assets per employee ($millions) | 5.1676% | 2,217 |
| Cash dividends to net income (ytd only)* | 51.3853% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,822 |
| Loan loss allowance to noncurrent loans | 42.1965% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 1,450 |
| Noncurrent loans to loans | 2.5602% | 606 |
| Net loans and leases to total assets | 47.8034% | 4,913 |
| Net loans and leases to deposits | 64.9003% | 4,339 |
| Net loans and leases to core deposits | 70.5692% | 4,193 |
| Total domestic deposits to total assets | 73.6567% | 5,466 |
| Equity capital to assets | 10.2852% | 3,404 |
| Core capital (leverage) ratio | 10.6268% | 2,745 |
| Tier 1 risk-based capital ratio | 18.2569% | 1,788 |
| Total risk-based capital ratio | 19.1576% | 1,837 |
| Memoranda: | ||
| Average total assets | $233,655,800 | 2,627 |
| Average earning assets | $216,456,400 | 2,634 |
| Average equity | $25,855,000 | 2,646 |
| Average total loans | $113,991,000 | 3,156 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,749 |
| Cost of funding earning assets | 0.5788% | 1,495 |
| Net interest margin | 3.8548% | 2,142 |
| Noninterest income to average assets | 0.6465% | 2,442 |
| Noninterest expense to average assets | 3.2083% | 1,758 |
| Loan and lease loss provision to assets | 0.0390% | 3,463 |
| Net operating income to assets | 0.9657% | 2,588 |
| Return on assets (ROA) | 0.9989% | 2,576 |
| Pretax return on assets | 1.0012% | 3,624 |
| Return on Equity (ROE) | 8.8678% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.3042% | 3,257 |
| Net charge-offs to loans | 0.0281% | 3,102 |
| Credit loss provision to net charge-offs | 283.3333% | 1,089 |
| Earnings coverage of net charge-offs (x) | 73.2066% | 836 |
| Efficiency ratio | 76.1115% | 1,962 |
| Assets per employee ($millions) | 5.2873% | 2,061 |
| Cash dividends to net income (ytd only)* | 51.4630% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 4,249 |
| Loan loss allowance to noncurrent loans | 41.2027% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 1,621 |
| Noncurrent loans to loans | 2.4985% | 703 |
| Net loans and leases to total assets | 48.4472% | 4,928 |
| Net loans and leases to deposits | 65.2321% | 4,404 |
| Net loans and leases to core deposits | 70.8149% | 4,263 |
| Total domestic deposits to total assets | 74.2690% | 5,408 |
| Equity capital to assets | 11.4623% | 2,546 |
| Core capital (leverage) ratio | 10.6759% | 2,807 |
| Tier 1 risk-based capital ratio | 18.2902% | 1,837 |
| Total risk-based capital ratio | 19.1718% | 1,910 |
| Memoranda: | ||
| Average total assets | $232,642,000 | 2,645 |
| Average earning assets | $215,377,000 | 2,654 |
| Average equity | $26,206,500 | 2,640 |
| Average total loans | $113,770,000 | 3,166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4015% | 1,824 |
| Cost of funding earning assets | 0.5762% | 1,495 |
| Net interest margin | 3.8253% | 2,224 |
| Noninterest income to average assets | 0.6436% | 2,402 |
| Noninterest expense to average assets | 3.2302% | 1,740 |
| Loan and lease loss provision to assets | 0.0502% | 3,145 |
| Net operating income to assets | 0.8966% | 2,880 |
| Return on assets (ROA) | 0.9321% | 2,851 |
| Pretax return on assets | 0.9355% | 3,817 |
| Return on Equity (ROE) | 8.3245% | 2,821 |
| Retained earnings to average equity (ytd only) | 4.7734% | 2,881 |
| Net charge-offs to loans | 0.0301% | 2,873 |
| Credit loss provision to net charge-offs | 341.1765% | 871 |
| Earnings coverage of net charge-offs (x) | 64.5294% | 832 |
| Efficiency ratio | 77.2690% | 1,890 |
| Assets per employee ($millions) | 4.8324% | 2,514 |
| Cash dividends to net income (ytd only)* | 42.6580% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 4,214 |
| Loan loss allowance to noncurrent loans | 32.3156% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.6723% | 1,082 |
| Noncurrent loans to loans | 3.2578% | 430 |
| Net loans and leases to total assets | 48.4618% | 4,954 |
| Net loans and leases to deposits | 65.7520% | 4,367 |
| Net loans and leases to core deposits | 71.5739% | 4,218 |
| Total domestic deposits to total assets | 73.7038% | 5,549 |
| Equity capital to assets | 11.7161% | 2,346 |
| Core capital (leverage) ratio | 10.6917% | 2,745 |
| Tier 1 risk-based capital ratio | 18.5926% | 1,779 |
| Total risk-based capital ratio | 19.4948% | 1,829 |
| Memoranda: | ||
| Average total assets | $230,880,330 | 2,670 |
| Average earning assets | $213,471,670 | 2,678 |
| Average equity | $25,851,330 | 2,680 |
| Average total loans | $112,870,670 | 3,191 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 1,872 |
| Cost of funding earning assets | 0.5693% | 1,547 |
| Net interest margin | 3.8069% | 2,263 |
| Noninterest income to average assets | 0.6182% | 2,425 |
| Noninterest expense to average assets | 3.2821% | 1,648 |
| Loan and lease loss provision to assets | 0.0347% | 3,199 |
| Net operating income to assets | 0.8132% | 3,176 |
| Return on assets (ROA) | 0.8578% | 3,074 |
| Pretax return on assets | 0.8648% | 3,983 |
| Return on Equity (ROE) | 7.8447% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.8447% | 1,528 |
| Net charge-offs to loans | 0.0071% | 2,880 |
| Credit loss provision to net charge-offs | 1,000.0000% | 359 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 252 |
| Efficiency ratio | 79.3451% | 1,690 |
| Assets per employee ($millions) | 4.7956% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 4,401 |
| Loan loss allowance to noncurrent loans | 30.0692% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 1.8359% | 997 |
| Noncurrent loans to loans | 3.4503% | 399 |
| Net loans and leases to total assets | 48.6079% | 4,920 |
| Net loans and leases to deposits | 64.2442% | 4,426 |
| Net loans and leases to core deposits | 69.5940% | 4,269 |
| Total domestic deposits to total assets | 75.6611% | 5,453 |
| Equity capital to assets | 11.2022% | 2,724 |
| Core capital (leverage) ratio | 10.6833% | 2,753 |
| Tier 1 risk-based capital ratio | 18.4731% | 1,859 |
| Total risk-based capital ratio | 19.3567% | 1,921 |
| Memoranda: | ||
| Average total assets | $230,343,500 | 2,690 |
| Average earning assets | $212,878,000 | 2,693 |
| Average equity | $25,189,000 | 2,730 |
| Average total loans | $112,503,500 | 3,205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 1,268 |
| Cost of funding earning assets | 0.5951% | 1,395 |
| Net interest margin | 4.0315% | 1,616 |
| Noninterest income to average assets | 0.6742% | 2,324 |
| Noninterest expense to average assets | 3.4111% | 1,462 |
| Loan and lease loss provision to assets | 0.0522% | 3,271 |
| Net operating income to assets | 0.9093% | 2,815 |
| Return on assets (ROA) | 0.9154% | 2,871 |
| Pretax return on assets | 0.9328% | 3,716 |
| Return on Equity (ROE) | 8.4664% | 2,727 |
| Retained earnings to average equity (ytd only) | 2.0661% | 4,552 |
| Net charge-offs to loans | 0.1278% | 2,095 |
| Credit loss provision to net charge-offs | 84.1727% | 2,874 |
| Earnings coverage of net charge-offs (x) | 15.7914% | 2,179 |
| Efficiency ratio | 77.7044% | 2,010 |
| Assets per employee ($millions) | 4.8021% | 2,599 |
| Cash dividends to net income (ytd only)* | 75.5967% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,432 |
| Loan loss allowance to noncurrent loans | 87.4338% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 2,734 |
| Noncurrent loans to loans | 1.1800% | 1,997 |
| Net loans and leases to total assets | 48.0651% | 5,009 |
| Net loans and leases to deposits | 64.7618% | 4,415 |
| Net loans and leases to core deposits | 71.7519% | 4,157 |
| Total domestic deposits to total assets | 74.2182% | 5,624 |
| Equity capital to assets | 10.6690% | 3,168 |
| Core capital (leverage) ratio | 10.4942% | 2,935 |
| Tier 1 risk-based capital ratio | 18.4812% | 1,837 |
| Total risk-based capital ratio | 19.3695% | 1,890 |
| Memoranda: | ||
| Average total assets | $224,268,200 | 2,713 |
| Average earning assets | $206,695,400 | 2,704 |
| Average equity | $24,248,800 | 2,764 |
| Average total loans | $108,797,800 | 3,225 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 1,303 |
| Cost of funding earning assets | 0.6036% | 1,384 |
| Net interest margin | 4.0076% | 1,675 |
| Noninterest income to average assets | 0.6687% | 2,392 |
| Noninterest expense to average assets | 3.2526% | 1,814 |
| Loan and lease loss provision to assets | 0.0700% | 2,777 |
| Net operating income to assets | 1.0147% | 2,394 |
| Return on assets (ROA) | 1.0147% | 2,495 |
| Pretax return on assets | 1.0387% | 3,470 |
| Return on Equity (ROE) | 9.3529% | 2,382 |
| Retained earnings to average equity (ytd only) | 2.9742% | 4,333 |
| Net charge-offs to loans | 0.0481% | 2,929 |
| Credit loss provision to net charge-offs | 300.0000% | 959 |
| Earnings coverage of net charge-offs (x) | 47.4860% | 1,094 |
| Efficiency ratio | 74.5779% | 2,461 |
| Assets per employee ($millions) | 4.7002% | 2,708 |
| Cash dividends to net income (ytd only)* | 68.2005% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,000 |
| Loan loss allowance to noncurrent loans | 77.0411% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8936% | 2,638 |
| Noncurrent loans to loans | 1.4788% | 1,694 |
| Net loans and leases to total assets | 48.2705% | 5,061 |
| Net loans and leases to deposits | 63.9087% | 4,567 |
| Net loans and leases to core deposits | 70.9443% | 4,285 |
| Total domestic deposits to total assets | 75.5303% | 5,566 |
| Equity capital to assets | 10.9330% | 3,096 |
| Core capital (leverage) ratio | 10.6904% | 2,837 |
| Tier 1 risk-based capital ratio | 18.8494% | 1,806 |
| Total risk-based capital ratio | 19.8323% | 1,841 |
| Memoranda: | ||
| Average total assets | $222,710,250 | 2,749 |
| Average earning assets | $205,203,250 | 2,736 |
| Average equity | $24,163,000 | 2,788 |
| Average total loans | $108,011,000 | 3,263 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 1,407 |
| Cost of funding earning assets | 0.6018% | 1,401 |
| Net interest margin | 3.9455% | 1,831 |
| Noninterest income to average assets | 0.6458% | 2,495 |
| Noninterest expense to average assets | 3.2262% | 1,904 |
| Loan and lease loss provision to assets | 0.0785% | 2,550 |
| Net operating income to assets | 0.9416% | 2,676 |
| Return on assets (ROA) | 0.9416% | 2,801 |
| Pretax return on assets | 0.9777% | 3,669 |
| Return on Equity (ROE) | 8.7017% | 2,700 |
| Retained earnings to average equity (ytd only) | 0.4001% | 5,387 |
| Net charge-offs to loans | 0.0746% | 2,328 |
| Credit loss provision to net charge-offs | 217.5000% | 1,146 |
| Earnings coverage of net charge-offs (x) | 29.2750% | 1,383 |
| Efficiency ratio | 75.3370% | 2,486 |
| Assets per employee ($millions) | 4.7809% | 2,571 |
| Cash dividends to net income (ytd only)* | 95.4023% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 4,270 |
| Loan loss allowance to noncurrent loans | 74.4526% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 2,694 |
| Noncurrent loans to loans | 1.4914% | 1,782 |
| Net loans and leases to total assets | 48.5114% | 5,051 |
| Net loans and leases to deposits | 63.2978% | 4,595 |
| Net loans and leases to core deposits | 74.8762% | 3,871 |
| Total domestic deposits to total assets | 76.6399% | 5,515 |
| Equity capital to assets | 10.4871% | 3,451 |
| Core capital (leverage) ratio | 10.5826% | 2,863 |
| Tier 1 risk-based capital ratio | 18.2188% | 2,004 |
| Total risk-based capital ratio | 19.1647% | 2,046 |
| Memoranda: | ||
| Average total assets | $221,743,670 | 2,778 |
| Average earning assets | $204,383,670 | 2,765 |
| Average equity | $23,995,330 | 2,814 |
| Average total loans | $107,295,330 | 3,295 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 1,332 |
| Cost of funding earning assets | 0.6248% | 1,269 |
| Net interest margin | 3.9263% | 1,799 |
| Noninterest income to average assets | 0.6229% | 2,536 |
| Noninterest expense to average assets | 3.2470% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9207% | 2,650 |
| Return on assets (ROA) | 0.9207% | 2,771 |
| Pretax return on assets | 0.9934% | 3,536 |
| Return on Equity (ROE) | 8.3765% | 2,765 |
| Retained earnings to average equity (ytd only) | -1.5365% | 5,623 |
| Net charge-offs to loans | 0.1928% | 1,161 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 10.7255% | 1,913 |
| Efficiency ratio | 76.5739% | 2,415 |
| Assets per employee ($millions) | 4.5957% | 2,908 |
| Cash dividends to net income (ytd only)* | 118.3432% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 4,741 |
| Loan loss allowance to noncurrent loans | 67.2239% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 2,689 |
| Noncurrent loans to loans | 1.5671% | 1,783 |
| Net loans and leases to total assets | 47.9437% | 5,038 |
| Net loans and leases to deposits | 60.0366% | 4,742 |
| Net loans and leases to core deposits | 71.2080% | 4,039 |
| Total domestic deposits to total assets | 79.8576% | 5,082 |
| Equity capital to assets | 10.9781% | 2,993 |
| Core capital (leverage) ratio | 10.6887% | 2,758 |
| Tier 1 risk-based capital ratio | 16.2267% | 2,812 |
| Total risk-based capital ratio | 17.0063% | 2,974 |
| Memoranda: | ||
| Average total assets | $220,263,500 | 2,804 |
| Average earning assets | $202,938,500 | 2,804 |
| Average equity | $24,210,500 | 2,810 |
| Average total loans | $105,827,500 | 3,341 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 1,256 |
| Cost of funding earning assets | 0.6423% | 1,457 |
| Net interest margin | 4.0764% | 1,658 |
| Noninterest income to average assets | 0.5815% | 2,976 |
| Noninterest expense to average assets | 3.0672% | 2,634 |
| Loan and lease loss provision to assets | 0.0988% | 2,508 |
| Net operating income to assets | 1.2438% | 1,453 |
| Return on assets (ROA) | 1.2632% | 1,450 |
| Pretax return on assets | 1.2632% | 2,377 |
| Return on Equity (ROE) | 12.2604% | 1,336 |
| Retained earnings to average equity (ytd only) | 1.7707% | 4,927 |
| Net charge-offs to loans | 0.3416% | 1,281 |
| Credit loss provision to net charge-offs | 59.9440% | 3,289 |
| Earnings coverage of net charge-offs (x) | 8.1429% | 2,921 |
| Efficiency ratio | 69.5538% | 3,619 |
| Assets per employee ($millions) | 4.5819% | 2,899 |
| Cash dividends to net income (ytd only)* | 85.5576% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 4,430 |
| Loan loss allowance to noncurrent loans | 112.4164% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 3,478 |
| Noncurrent loans to loans | 0.9994% | 2,833 |
| Net loans and leases to total assets | 47.1012% | 5,240 |
| Net loans and leases to deposits | 58.5750% | 5,019 |
| Net loans and leases to core deposits | 71.3736% | 4,180 |
| Total domestic deposits to total assets | 80.4118% | 4,904 |
| Equity capital to assets | 11.0052% | 2,895 |
| Core capital (leverage) ratio | 10.7451% | 2,674 |
| Tier 1 risk-based capital ratio | 16.8378% | 2,584 |
| Total risk-based capital ratio | 17.6801% | 2,694 |
| Memoranda: | ||
| Average total assets | $216,519,200 | 2,819 |
| Average earning assets | $203,341,600 | 2,767 |
| Average equity | $22,307,600 | 2,915 |
| Average total loans | $104,496,600 | 3,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 1,296 |
| Cost of funding earning assets | 0.6462% | 1,481 |
| Net interest margin | 4.0576% | 1,702 |
| Noninterest income to average assets | 0.5570% | 3,155 |
| Noninterest expense to average assets | 2.9706% | 2,904 |
| Loan and lease loss provision to assets | 0.0847% | 2,661 |
| Net operating income to assets | 1.3292% | 1,291 |
| Return on assets (ROA) | 1.3551% | 1,291 |
| Pretax return on assets | 1.3551% | 2,172 |
| Return on Equity (ROE) | 13.3858% | 1,119 |
| Retained earnings to average equity (ytd only) | -0.9038% | 5,949 |
| Net charge-offs to loans | 0.4367% | 902 |
| Credit loss provision to net charge-offs | 40.0585% | 3,286 |
| Earnings coverage of net charge-offs (x) | 6.6871% | 3,043 |
| Efficiency ratio | 67.7524% | 3,902 |
| Assets per employee ($millions) | 4.5412% | 2,894 |
| Cash dividends to net income (ytd only)* | 106.7519% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 5,009 |
| Loan loss allowance to noncurrent loans | 51.2644% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 2,367 |
| Noncurrent loans to loans | 2.0412% | 1,538 |
| Net loans and leases to total assets | 48.3718% | 5,169 |
| Net loans and leases to deposits | 62.9126% | 4,654 |
| Net loans and leases to core deposits | 77.4393% | 3,590 |
| Total domestic deposits to total assets | 76.8874% | 5,693 |
| Equity capital to assets | 10.1566% | 3,986 |
| Core capital (leverage) ratio | 10.5500% | 2,980 |
| Tier 1 risk-based capital ratio | 19.1627% | 1,870 |
| Total risk-based capital ratio | 20.0922% | 1,915 |
| Memoranda: | ||
| Average total assets | $215,665,750 | 2,849 |
| Average earning assets | $203,432,500 | 2,789 |
| Average equity | $21,833,500 | 2,965 |
| Average total loans | $104,428,750 | 3,363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7609% | 1,156 |
| Cost of funding earning assets | 0.6470% | 1,530 |
| Net interest margin | 4.1139% | 1,466 |
| Noninterest income to average assets | 0.5612% | 3,045 |
| Noninterest expense to average assets | 2.9521% | 2,995 |
| Loan and lease loss provision to assets | 0.0530% | 3,238 |
| Net operating income to assets | 1.4379% | 986 |
| Return on assets (ROA) | 1.4770% | 947 |
| Pretax return on assets | 1.4770% | 1,610 |
| Return on Equity (ROE) | 14.6054% | 854 |
| Retained earnings to average equity (ytd only) | -1.4081% | 5,914 |
| Net charge-offs to loans | 0.5515% | 737 |
| Credit loss provision to net charge-offs | 19.9301% | 3,202 |
| Earnings coverage of net charge-offs (x) | 5.6014% | 2,900 |
| Efficiency ratio | 66.4432% | 4,296 |
| Assets per employee ($millions) | 4.4943% | 2,932 |
| Cash dividends to net income (ytd only)* | 109.6408% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 5,154 |
| Loan loss allowance to noncurrent loans | 69.4462% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 2,866 |
| Noncurrent loans to loans | 1.4970% | 2,326 |
| Net loans and leases to total assets | 48.1393% | 5,161 |
| Net loans and leases to deposits | 61.1538% | 4,767 |
| Net loans and leases to core deposits | 74.1090% | 3,825 |
| Total domestic deposits to total assets | 78.7184% | 5,513 |
| Equity capital to assets | 10.2375% | 3,776 |
| Core capital (leverage) ratio | 10.6333% | 2,782 |
| Tier 1 risk-based capital ratio | 19.7186% | 1,754 |
| Total risk-based capital ratio | 20.6547% | 1,790 |
| Memoranda: | ||
| Average total assets | $214,895,670 | 2,869 |
| Average earning assets | $202,775,670 | 2,808 |
| Average equity | $21,731,670 | 2,979 |
| Average total loans | $103,720,330 | 3,381 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 1,061 |
| Cost of funding earning assets | 0.6589% | 1,523 |
| Net interest margin | 4.1351% | 1,374 |
| Noninterest income to average assets | 0.5539% | 3,025 |
| Noninterest expense to average assets | 2.9541% | 3,035 |
| Loan and lease loss provision to assets | 0.0615% | 2,883 |
| Net operating income to assets | 1.4360% | 923 |
| Return on assets (ROA) | 1.5144% | 827 |
| Pretax return on assets | 1.5144% | 1,391 |
| Return on Equity (ROE) | 15.0684% | 765 |
| Retained earnings to average equity (ytd only) | 5.0476% | 3,091 |
| Net charge-offs to loans | 0.0892% | 2,273 |
| Credit loss provision to net charge-offs | 143.4783% | 1,295 |
| Earnings coverage of net charge-offs (x) | 34.9130% | 956 |
| Efficiency ratio | 66.3594% | 4,473 |
| Assets per employee ($millions) | 4.5038% | 2,971 |
| Cash dividends to net income (ytd only)* | 66.5025% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,214 |
| Loan loss allowance to noncurrent loans | 122.0183% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,396 |
| Noncurrent loans to loans | 1.0510% | 3,322 |
| Net loans and leases to total assets | 47.3603% | 5,197 |
| Net loans and leases to deposits | 62.0720% | 4,537 |
| Net loans and leases to core deposits | 74.0523% | 3,641 |
| Total domestic deposits to total assets | 76.2990% | 6,048 |
| Equity capital to assets | 10.1151% | 3,703 |
| Core capital (leverage) ratio | 10.9152% | 2,472 |
| Tier 1 risk-based capital ratio | 20.2381% | 1,664 |
| Total risk-based capital ratio | 21.3880% | 1,657 |
| Memoranda: | ||
| Average total assets | $214,480,500 | 2,884 |
| Average earning assets | $202,169,500 | 2,830 |
| Average equity | $21,555,000 | 2,991 |
| Average total loans | $103,110,500 | 3,405 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 1,307 |
| Cost of funding earning assets | 0.7583% | 1,452 |
| Net interest margin | 4.0448% | 1,822 |
| Noninterest income to average assets | 0.6725% | 2,690 |
| Noninterest expense to average assets | 2.9157% | 3,327 |
| Loan and lease loss provision to assets | 0.1280% | 2,708 |
| Net operating income to assets | 1.4494% | 916 |
| Return on assets (ROA) | 1.5062% | 852 |
| Pretax return on assets | 1.5062% | 1,426 |
| Return on Equity (ROE) | 14.3131% | 885 |
| Retained earnings to average equity (ytd only) | 7.6389% | 1,174 |
| Net charge-offs to loans | 0.4722% | 1,412 |
| Credit loss provision to net charge-offs | 55.5324% | 3,688 |
| Earnings coverage of net charge-offs (x) | 6.8455% | 2,968 |
| Efficiency ratio | 64.8929% | 4,752 |
| Assets per employee ($millions) | 4.3424% | 3,190 |
| Cash dividends to net income (ytd only)* | 46.6305% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,205 |
| Loan loss allowance to noncurrent loans | 91.2172% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1298% | 3,139 |
| Noncurrent loans to loans | 1.4106% | 2,782 |
| Net loans and leases to total assets | 47.5552% | 5,342 |
| Net loans and leases to deposits | 59.4646% | 4,981 |
| Net loans and leases to core deposits | 71.0076% | 4,187 |
| Total domestic deposits to total assets | 79.9723% | 5,450 |
| Equity capital to assets | 9.9836% | 3,797 |
| Core capital (leverage) ratio | 10.9865% | 2,399 |
| Tier 1 risk-based capital ratio | 20.0275% | 1,649 |
| Total risk-based capital ratio | 21.1694% | 1,647 |
| Memoranda: | ||
| Average total assets | $207,874,600 | 2,935 |
| Average earning assets | $196,351,800 | 2,869 |
| Average equity | $21,875,000 | 2,937 |
| Average total loans | $101,432,200 | 3,419 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,336 |
| Cost of funding earning assets | 0.7656% | 1,513 |
| Net interest margin | 4.0394% | 1,821 |
| Noninterest income to average assets | 0.6710% | 2,772 |
| Noninterest expense to average assets | 2.9434% | 3,157 |
| Loan and lease loss provision to assets | 0.1032% | 3,043 |
| Net operating income to assets | 1.4440% | 996 |
| Return on assets (ROA) | 1.5214% | 911 |
| Pretax return on assets | 1.5214% | 1,542 |
| Return on Equity (ROE) | 14.2691% | 933 |
| Retained earnings to average equity (ytd only) | 5.4341% | 2,772 |
| Net charge-offs to loans | 0.2610% | 2,248 |
| Credit loss provision to net charge-offs | 80.8081% | 2,830 |
| Earnings coverage of net charge-offs (x) | 12.1113% | 2,172 |
| Efficiency ratio | 65.5460% | 4,567 |
| Assets per employee ($millions) | 4.3059% | 3,217 |
| Cash dividends to net income (ytd only)* | 61.9170% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 3,581 |
| Loan loss allowance to noncurrent loans | 103.1746% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 3,366 |
| Noncurrent loans to loans | 1.4262% | 3,029 |
| Net loans and leases to total assets | 48.4338% | 5,304 |
| Net loans and leases to deposits | 58.2051% | 5,167 |
| Net loans and leases to core deposits | 69.3481% | 4,393 |
| Total domestic deposits to total assets | 83.2124% | 4,494 |
| Equity capital to assets | 10.0555% | 3,821 |
| Core capital (leverage) ratio | 10.8209% | 2,650 |
| Tier 1 risk-based capital ratio | 19.7971% | 1,785 |
| Total risk-based capital ratio | 21.0480% | 1,749 |
| Memoranda: | ||
| Average total assets | $206,648,250 | 2,971 |
| Average earning assets | $195,406,000 | 2,906 |
| Average equity | $22,033,000 | 2,959 |
| Average total loans | $101,163,500 | 3,451 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 1,398 |
| Cost of funding earning assets | 0.7749% | 1,556 |
| Net interest margin | 3.9939% | 1,881 |
| Noninterest income to average assets | 0.6572% | 2,874 |
| Noninterest expense to average assets | 2.9762% | 3,072 |
| Loan and lease loss provision to assets | 0.1026% | 3,082 |
| Net operating income to assets | 1.3599% | 1,169 |
| Return on assets (ROA) | 1.4760% | 1,015 |
| Pretax return on assets | 1.4760% | 1,690 |
| Return on Equity (ROE) | 13.5859% | 1,108 |
| Retained earnings to average equity (ytd only) | 5.0335% | 3,036 |
| Net charge-offs to loans | 0.3603% | 1,761 |
| Credit loss provision to net charge-offs | 58.2418% | 3,050 |
| Earnings coverage of net charge-offs (x) | 8.3022% | 2,419 |
| Efficiency ratio | 67.0519% | 4,351 |
| Assets per employee ($millions) | 4.2973% | 3,178 |
| Cash dividends to net income (ytd only)* | 62.9508% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,910 |
| Loan loss allowance to noncurrent loans | 70.7282% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.4903% | 2,869 |
| Noncurrent loans to loans | 2.0176% | 2,379 |
| Net loans and leases to total assets | 48.7938% | 5,247 |
| Net loans and leases to deposits | 60.2424% | 4,950 |
| Net loans and leases to core deposits | 72.1665% | 4,014 |
| Total domestic deposits to total assets | 80.9958% | 5,338 |
| Equity capital to assets | 10.3709% | 3,467 |
| Core capital (leverage) ratio | 10.6009% | 2,765 |
| Tier 1 risk-based capital ratio | 19.5339% | 1,848 |
| Total risk-based capital ratio | 20.7842% | 1,824 |
| Memoranda: | ||
| Average total assets | $206,637,000 | 2,981 |
| Average earning assets | $195,647,000 | 2,921 |
| Average equity | $22,449,670 | 2,934 |
| Average total loans | $101,018,330 | 3,457 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 1,419 |
| Cost of funding earning assets | 0.7921% | 1,574 |
| Net interest margin | 3.9523% | 1,941 |
| Noninterest income to average assets | 0.6324% | 2,964 |
| Noninterest expense to average assets | 2.9262% | 3,248 |
| Loan and lease loss provision to assets | 0.0058% | 4,362 |
| Net operating income to assets | 1.4447% | 964 |
| Return on assets (ROA) | 1.4757% | 979 |
| Pretax return on assets | 1.4757% | 1,633 |
| Return on Equity (ROE) | 13.2820% | 1,104 |
| Retained earnings to average equity (ytd only) | 5.2745% | 3,066 |
| Net charge-offs to loans | 0.4260% | 1,391 |
| Credit loss provision to net charge-offs | 2.8037% | 3,216 |
| Earnings coverage of net charge-offs (x) | 7.0093% | 2,133 |
| Efficiency ratio | 66.8582% | 4,512 |
| Assets per employee ($millions) | 4.2583% | 3,415 |
| Cash dividends to net income (ytd only)* | 60.2883% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 4,079 |
| Loan loss allowance to noncurrent loans | 97.8097% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 1.2035% | 3,563 |
| Noncurrent loans to loans | 1.4649% | 3,365 |
| Net loans and leases to total assets | 48.0949% | 5,215 |
| Net loans and leases to deposits | 59.4260% | 4,858 |
| Net loans and leases to core deposits | 71.1852% | 3,934 |
| Total domestic deposits to total assets | 80.9325% | 5,517 |
| Equity capital to assets | 11.1952% | 2,744 |
| Core capital (leverage) ratio | 10.5385% | 2,722 |
| Tier 1 risk-based capital ratio | 19.5778% | 1,889 |
| Total risk-based capital ratio | 20.8280% | 1,862 |
| Memoranda: | ||
| Average total assets | $206,820,500 | 3,018 |
| Average earning assets | $195,934,500 | 2,949 |
| Average equity | $22,978,500 | 2,927 |
| Average total loans | $100,475,500 | 3,491 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4368% | 704 |
| Cost of funding earning assets | 0.9226% | 1,805 |
| Net interest margin | 4.5142% | 918 |
| Noninterest income to average assets | 0.6274% | 3,129 |
| Noninterest expense to average assets | 3.5994% | 1,610 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6387% | 4,043 |
| Return on assets (ROA) | 0.4762% | 5,029 |
| Pretax return on assets | 1.0174% | 3,484 |
| Return on Equity (ROE) | 4.3798% | 4,981 |
| Retained earnings to average equity (ytd only) | 2.7113% | 4,327 |
| Net charge-offs to loans | 0.3889% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 6.6220% | 2,773 |
| Efficiency ratio | 73.8982% | 3,086 |
| Assets per employee ($millions) | 4.3592% | 3,233 |
| Cash dividends to net income (ytd only)* | 38.0952% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5156% | 3,682 |
| Loan loss allowance to noncurrent loans | 111.6448% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 3,853 |
| Noncurrent loans to loans | 1.3575% | 3,565 |
| Net loans and leases to total assets | 47.6398% | 5,450 |
| Net loans and leases to deposits | 60.2596% | 5,001 |
| Net loans and leases to core deposits | 72.1690% | 4,022 |
| Total domestic deposits to total assets | 79.0576% | 5,877 |
| Equity capital to assets | 11.0275% | 2,918 |
| Core capital (leverage) ratio | 10.4173% | 2,861 |
| Tier 1 risk-based capital ratio | 19.0167% | 1,952 |
| Total risk-based capital ratio | 20.2677% | 1,924 |
| Memoranda: | ||
| Average total assets | $198,448,600 | 3,063 |
| Average earning assets | $186,543,600 | 3,008 |
| Average equity | $21,576,400 | 3,031 |
| Average total loans | $97,973,200 | 3,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 545 |
| Cost of funding earning assets | 0.9481% | 1,861 |
| Net interest margin | 4.6663% | 720 |
| Noninterest income to average assets | 0.6232% | 3,142 |
| Noninterest expense to average assets | 3.1386% | 2,764 |
| Loan and lease loss provision to assets | 0.0402% | 5,271 |
| Net operating income to assets | 1.2748% | 1,503 |
| Return on assets (ROA) | 0.5320% | 4,972 |
| Pretax return on assets | 0.7581% | 4,645 |
| Return on Equity (ROE) | 4.9114% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.9114% | 3,431 |
| Net charge-offs to loans | 0.4981% | 2,123 |
| Credit loss provision to net charge-offs | 16.2534% | 5,004 |
| Earnings coverage of net charge-offs (x) | 7.5206% | 2,595 |
| Efficiency ratio | 62.7964% | 5,011 |
| Assets per employee ($millions) | 4.1730% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 3,401 |
| Loan loss allowance to noncurrent loans | 99.2606% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.2999% | 3,698 |
| Noncurrent loans to loans | 1.6453% | 3,323 |
| Net loans and leases to total assets | 47.4533% | 5,613 |
| Net loans and leases to deposits | 57.9785% | 5,434 |
| Net loans and leases to core deposits | 71.5895% | 4,307 |
| Total domestic deposits to total assets | 81.8464% | 5,072 |
| Equity capital to assets | 11.4859% | 2,756 |
| Core capital (leverage) ratio | 10.8173% | 2,578 |
| Tier 1 risk-based capital ratio | 19.8439% | 1,799 |
| Total risk-based capital ratio | 21.0963% | 1,771 |
| Memoranda: | ||
| Average total assets | $195,750,500 | 3,128 |
| Average earning assets | $183,525,000 | 3,072 |
| Average equity | $21,202,000 | 3,104 |
| Average total loans | $97,162,500 | 3,631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7564% | 432 |
| Cost of funding earning assets | 0.9564% | 2,023 |
| Net interest margin | 4.7999% | 560 |
| Noninterest income to average assets | 0.6036% | 3,236 |
| Noninterest expense to average assets | 3.1995% | 2,591 |
| Loan and lease loss provision to assets | 0.0560% | 4,960 |
| Net operating income to assets | 1.2337% | 1,601 |
| Return on assets (ROA) | 0.8411% | 3,457 |
| Pretax return on assets | 1.2487% | 2,728 |
| Return on Equity (ROE) | 7.9352% | 3,288 |
| Retained earnings to average equity (ytd only) | 7.9352% | 1,662 |
| Net charge-offs to loans | 0.4696% | 2,184 |
| Credit loss provision to net charge-offs | 23.7885% | 4,550 |
| Earnings coverage of net charge-offs (x) | 8.0308% | 2,372 |
| Efficiency ratio | 62.8566% | 5,105 |
| Assets per employee ($millions) | 4.1221% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 2,930 |
| Loan loss allowance to noncurrent loans | 101.8724% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4611% | 3,520 |
| Noncurrent loans to loans | 1.7458% | 3,281 |
| Net loans and leases to total assets | 48.5965% | 5,550 |
| Net loans and leases to deposits | 59.2498% | 5,310 |
| Net loans and leases to core deposits | 72.8101% | 4,195 |
| Total domestic deposits to total assets | 82.0196% | 5,123 |
| Equity capital to assets | 10.8011% | 3,339 |
| Core capital (leverage) ratio | 11.1900% | 2,133 |
| Tier 1 risk-based capital ratio | 19.0740% | 1,947 |
| Total risk-based capital ratio | 20.3271% | 1,928 |
| Memoranda: | ||
| Average total assets | $192,841,670 | 3,183 |
| Average earning assets | $180,253,000 | 3,126 |
| Average equity | $20,440,670 | 3,170 |
| Average total loans | $96,669,330 | 3,653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9316% | 338 |
| Cost of funding earning assets | 1.0194% | 1,871 |
| Net interest margin | 4.9122% | 463 |
| Noninterest income to average assets | 0.4771% | 4,089 |
| Noninterest expense to average assets | 3.2196% | 2,534 |
| Loan and lease loss provision to assets | 0.1261% | 3,771 |
| Net operating income to assets | 1.1489% | 1,883 |
| Return on assets (ROA) | 0.8532% | 3,375 |
| Pretax return on assets | 1.2673% | 2,661 |
| Return on Equity (ROE) | 8.1300% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.1300% | 1,932 |
| Net charge-offs to loans | 0.8703% | 1,179 |
| Credit loss provision to net charge-offs | 28.7081% | 3,644 |
| Earnings coverage of net charge-offs (x) | 4.1770% | 2,644 |
| Efficiency ratio | 63.7006% | 4,980 |
| Assets per employee ($millions) | 3.8833% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,883 |
| Loan loss allowance to noncurrent loans | 143.0308% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 3,655 |
| Noncurrent loans to loans | 1.2829% | 4,190 |
| Net loans and leases to total assets | 49.6242% | 5,361 |
| Net loans and leases to deposits | 59.7750% | 5,178 |
| Net loans and leases to core deposits | 69.9944% | 4,419 |
| Total domestic deposits to total assets | 83.0184% | 4,919 |
| Equity capital to assets | 10.5202% | 3,467 |
| Core capital (leverage) ratio | 11.2207% | 2,095 |
| Tier 1 risk-based capital ratio | 19.2960% | 1,898 |
| Total risk-based capital ratio | 20.5499% | 1,863 |
| Memoranda: | ||
| Average total assets | $190,332,500 | 3,229 |
| Average earning assets | $177,355,000 | 3,187 |
| Average equity | $19,975,500 | 3,229 |
| Average total loans | $96,057,000 | 3,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0404% | 403 |
| Cost of funding earning assets | 1.2267% | 1,859 |
| Net interest margin | 4.8137% | 603 |
| Noninterest income to average assets | 0.6847% | 2,689 |
| Noninterest expense to average assets | 3.3071% | 2,501 |
| Loan and lease loss provision to assets | 0.4869% | 2,170 |
| Net operating income to assets | 0.9556% | 2,382 |
| Return on assets (ROA) | 0.8260% | 3,092 |
| Pretax return on assets | 1.1803% | 2,523 |
| Return on Equity (ROE) | 8.0641% | 2,869 |
| Retained earnings to average equity (ytd only) | 7.7967% | 1,155 |
| Net charge-offs to loans | 0.8522% | 2,036 |
| Credit loss provision to net charge-offs | 106.3397% | 3,194 |
| Earnings coverage of net charge-offs (x) | 4.0455% | 3,288 |
| Efficiency ratio | 64.0977% | 5,107 |
| Assets per employee ($millions) | 3.8854% | 4,116 |
| Cash dividends to net income (ytd only)* | 3.3156% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 2,298 |
| Loan loss allowance to noncurrent loans | 134.0336% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.6467% | 3,485 |
| Noncurrent loans to loans | 1.4887% | 3,915 |
| Net loans and leases to total assets | 49.3789% | 5,675 |
| Net loans and leases to deposits | 59.1095% | 5,587 |
| Net loans and leases to core deposits | 70.9797% | 4,652 |
| Total domestic deposits to total assets | 83.5379% | 4,522 |
| Equity capital to assets | 10.4699% | 3,566 |
| Core capital (leverage) ratio | 11.0894% | 2,202 |
| Tier 1 risk-based capital ratio | 18.8930% | 1,934 |
| Total risk-based capital ratio | 20.1490% | 1,892 |
| Memoranda: | ||
| Average total assets | $182,574,200 | 3,292 |
| Average earning assets | $169,725,200 | 3,252 |
| Average equity | $18,700,200 | 3,325 |
| Average total loans | $98,095,800 | 3,669 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 388 |
| Cost of funding earning assets | 1.2549% | 1,965 |
| Net interest margin | 4.8535% | 565 |
| Noninterest income to average assets | 0.6429% | 2,927 |
| Noninterest expense to average assets | 3.3136% | 2,454 |
| Loan and lease loss provision to assets | 0.4879% | 2,037 |
| Net operating income to assets | 0.9607% | 2,480 |
| Return on assets (ROA) | 0.8061% | 3,293 |
| Pretax return on assets | 1.1346% | 2,876 |
| Return on Equity (ROE) | 7.9163% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.5538% | 1,687 |
| Net charge-offs to loans | 0.5596% | 2,561 |
| Credit loss provision to net charge-offs | 159.6618% | 1,933 |
| Earnings coverage of net charge-offs (x) | 6.0217% | 2,635 |
| Efficiency ratio | 64.2939% | 5,015 |
| Assets per employee ($millions) | 3.7877% | 4,333 |
| Cash dividends to net income (ytd only)* | 4.5791% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1595% | 1,940 |
| Loan loss allowance to noncurrent loans | 83.8838% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 2.0324% | 3,105 |
| Noncurrent loans to loans | 2.5744% | 2,691 |
| Net loans and leases to total assets | 50.4301% | 5,651 |
| Net loans and leases to deposits | 61.1004% | 5,506 |
| Net loans and leases to core deposits | 76.2401% | 4,168 |
| Total domestic deposits to total assets | 82.5364% | 4,860 |
| Equity capital to assets | 10.1862% | 4,107 |
| Core capital (leverage) ratio | 11.2517% | 2,191 |
| Tier 1 risk-based capital ratio | 17.1038% | 2,604 |
| Total risk-based capital ratio | 18.3053% | 2,583 |
| Memoranda: | ||
| Average total assets | $180,622,000 | 3,338 |
| Average earning assets | $167,874,000 | 3,290 |
| Average equity | $18,392,000 | 3,380 |
| Average total loans | $98,639,000 | 3,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1496% | 355 |
| Cost of funding earning assets | 1.2806% | 2,060 |
| Net interest margin | 4.8690% | 523 |
| Noninterest income to average assets | 0.5537% | 3,452 |
| Noninterest expense to average assets | 3.3258% | 2,476 |
| Loan and lease loss provision to assets | 0.5132% | 1,912 |
| Net operating income to assets | 0.8955% | 2,658 |
| Return on assets (ROA) | 0.7878% | 3,254 |
| Pretax return on assets | 1.0861% | 2,910 |
| Return on Equity (ROE) | 7.7381% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.7381% | 1,563 |
| Net charge-offs to loans | 0.5011% | 2,603 |
| Credit loss provision to net charge-offs | 183.8710% | 1,644 |
| Earnings coverage of net charge-offs (x) | 6.2581% | 2,434 |
| Efficiency ratio | 65.5647% | 4,964 |
| Assets per employee ($millions) | 3.6863% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 2,152 |
| Loan loss allowance to noncurrent loans | 87.5953% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 2.0595% | 3,162 |
| Noncurrent loans to loans | 2.3793% | 3,010 |
| Net loans and leases to total assets | 53.8147% | 5,321 |
| Net loans and leases to deposits | 65.1233% | 5,124 |
| Net loans and leases to core deposits | 82.5674% | 3,420 |
| Total domestic deposits to total assets | 82.6351% | 4,935 |
| Equity capital to assets | 10.4186% | 3,620 |
| Core capital (leverage) ratio | 11.3697% | 1,993 |
| Tier 1 risk-based capital ratio | 16.6311% | 2,680 |
| Total risk-based capital ratio | 17.8183% | 2,666 |
| Memoranda: | ||
| Average total assets | $177,701,670 | 3,404 |
| Average earning assets | $164,922,330 | 3,355 |
| Average equity | $18,092,330 | 3,404 |
| Average total loans | $98,980,670 | 3,711 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1404% | 374 |
| Cost of funding earning assets | 1.3069% | 2,140 |
| Net interest margin | 4.8335% | 533 |
| Noninterest income to average assets | 0.7467% | 2,271 |
| Noninterest expense to average assets | 3.3319% | 2,461 |
| Loan and lease loss provision to assets | 0.2315% | 3,334 |
| Net operating income to assets | 1.1467% | 1,678 |
| Return on assets (ROA) | 0.8398% | 2,887 |
| Pretax return on assets | 1.2211% | 2,305 |
| Return on Equity (ROE) | 8.3479% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.3479% | 1,604 |
| Net charge-offs to loans | 0.7771% | 1,658 |
| Credit loss provision to net charge-offs | 53.1250% | 3,689 |
| Earnings coverage of net charge-offs (x) | 4.3542% | 2,499 |
| Efficiency ratio | 63.7153% | 5,409 |
| Assets per employee ($millions) | 3.5856% | 4,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7923% | 3,037 |
| Loan loss allowance to noncurrent loans | 65.1342% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 2.2813% | 2,969 |
| Noncurrent loans to loans | 2.7517% | 2,745 |
| Net loans and leases to total assets | 55.2338% | 5,125 |
| Net loans and leases to deposits | 66.6598% | 4,882 |
| Net loans and leases to core deposits | 81.6893% | 3,495 |
| Total domestic deposits to total assets | 82.8593% | 4,975 |
| Equity capital to assets | 10.3072% | 3,401 |
| Core capital (leverage) ratio | 11.4104% | 1,904 |
| Tier 1 risk-based capital ratio | 16.3786% | 2,719 |
| Total risk-based capital ratio | 17.5607% | 2,715 |
| Memoranda: | ||
| Average total assets | $176,238,000 | 3,446 |
| Average earning assets | $163,443,000 | 3,395 |
| Average equity | $17,729,000 | 3,445 |
| Average total loans | $98,834,000 | 3,751 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7715% | 209 |
| Cost of funding earning assets | 1.6646% | 1,754 |
| Net interest margin | 5.1069% | 349 |
| Noninterest income to average assets | 0.7451% | 2,566 |
| Noninterest expense to average assets | 3.4601% | 2,275 |
| Loan and lease loss provision to assets | 0.2682% | 4,658 |
| Net operating income to assets | 1.1468% | 1,554 |
| Return on assets (ROA) | 0.5989% | 3,837 |
| Pretax return on assets | 0.8364% | 3,516 |
| Return on Equity (ROE) | 6.3201% | 3,438 |
| Retained earnings to average equity (ytd only) | 6.0090% | 1,806 |
| Net charge-offs to loans | 0.4782% | 3,710 |
| Credit loss provision to net charge-offs | 95.3878% | 4,874 |
| Earnings coverage of net charge-offs (x) | 6.6352% | 2,317 |
| Efficiency ratio | 64.9696% | 5,170 |
| Assets per employee ($millions) | 3.6078% | 4,681 |
| Cash dividends to net income (ytd only)* | 4.9213% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 2,609 |
| Loan loss allowance to noncurrent loans | 100.9772% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7055% | 3,739 |
| Noncurrent loans to loans | 1.8633% | 3,737 |
| Net loans and leases to total assets | 54.8667% | 5,510 |
| Net loans and leases to deposits | 66.5831% | 5,323 |
| Net loans and leases to core deposits | 81.8516% | 3,925 |
| Total domestic deposits to total assets | 82.4033% | 5,059 |
| Equity capital to assets | 9.8137% | 3,981 |
| Core capital (leverage) ratio | 11.2026% | 2,014 |
| Tier 1 risk-based capital ratio | 15.9216% | 2,787 |
| Total risk-based capital ratio | 17.1747% | 2,741 |
| Memoranda: | ||
| Average total assets | $169,649,200 | 3,543 |
| Average earning assets | $152,167,600 | 3,604 |
| Average equity | $16,075,800 | 3,743 |
| Average total loans | $99,749,600 | 3,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9064% | 167 |
| Cost of funding earning assets | 1.7465% | 1,643 |
| Net interest margin | 5.1600% | 319 |
| Noninterest income to average assets | 0.7768% | 2,344 |
| Noninterest expense to average assets | 3.9316% | 1,158 |
| Loan and lease loss provision to assets | 0.2756% | 4,382 |
| Net operating income to assets | 0.8673% | 2,757 |
| Return on assets (ROA) | 0.7148% | 3,499 |
| Pretax return on assets | 0.9539% | 3,352 |
| Return on Equity (ROE) | 7.6152% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.1922% | 1,759 |
| Net charge-offs to loans | 0.5775% | 3,013 |
| Credit loss provision to net charge-offs | 80.1386% | 5,128 |
| Earnings coverage of net charge-offs (x) | 4.1663% | 3,166 |
| Efficiency ratio | 73.2899% | 3,464 |
| Assets per employee ($millions) | 3.4288% | 5,140 |
| Cash dividends to net income (ytd only)* | 5.5560% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 2,886 |
| Loan loss allowance to noncurrent loans | 111.7537% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7516% | 3,818 |
| Noncurrent loans to loans | 1.5854% | 4,262 |
| Net loans and leases to total assets | 58.1112% | 5,244 |
| Net loans and leases to deposits | 70.7734% | 5,040 |
| Net loans and leases to core deposits | 87.4850% | 3,448 |
| Total domestic deposits to total assets | 82.1088% | 4,947 |
| Equity capital to assets | 9.8751% | 4,323 |
| Core capital (leverage) ratio | 11.5414% | 1,916 |
| Tier 1 risk-based capital ratio | 15.5205% | 2,986 |
| Total risk-based capital ratio | 16.7781% | 2,952 |
| Memoranda: | ||
| Average total assets | $167,865,750 | 3,624 |
| Average earning assets | $149,248,250 | 3,696 |
| Average equity | $15,757,500 | 3,851 |
| Average total loans | $99,973,250 | 3,858 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0309% | 151 |
| Cost of funding earning assets | 1.8407% | 1,482 |
| Net interest margin | 5.1902% | 290 |
| Noninterest income to average assets | 0.7404% | 2,455 |
| Noninterest expense to average assets | 3.4727% | 2,091 |
| Loan and lease loss provision to assets | 0.5232% | 2,697 |
| Net operating income to assets | 0.9798% | 2,266 |
| Return on assets (ROA) | 0.7044% | 3,539 |
| Pretax return on assets | 0.9384% | 3,353 |
| Return on Equity (ROE) | 7.6399% | 3,041 |
| Retained earnings to average equity (ytd only) | 6.9892% | 1,836 |
| Net charge-offs to loans | 0.4282% | 3,280 |
| Credit loss provision to net charge-offs | 204.6948% | 1,903 |
| Earnings coverage of net charge-offs (x) | 7.1549% | 2,355 |
| Efficiency ratio | 65.5048% | 5,066 |
| Assets per employee ($millions) | 3.3460% | 5,320 |
| Cash dividends to net income (ytd only)* | 8.5179% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0897% | 1,980 |
| Loan loss allowance to noncurrent loans | 119.7159% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9790% | 3,522 |
| Noncurrent loans to loans | 1.7456% | 4,067 |
| Net loans and leases to total assets | 57.8508% | 5,440 |
| Net loans and leases to deposits | 72.1419% | 4,966 |
| Net loans and leases to core deposits | 90.5471% | 3,183 |
| Total domestic deposits to total assets | 80.1903% | 5,674 |
| Equity capital to assets | 9.4489% | 4,783 |
| Core capital (leverage) ratio | 11.6048% | 1,854 |
| Tier 1 risk-based capital ratio | 15.2547% | 3,036 |
| Total risk-based capital ratio | 16.5078% | 2,987 |
| Memoranda: | ||
| Average total assets | $166,673,670 | 3,659 |
| Average earning assets | $146,468,330 | 3,775 |
| Average equity | $15,366,670 | 3,918 |
| Average total loans | $99,489,670 | 3,916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0789% | 158 |
| Cost of funding earning assets | 1.8976% | 1,458 |
| Net interest margin | 5.1813% | 302 |
| Noninterest income to average assets | 0.5392% | 3,739 |
| Noninterest expense to average assets | 3.5242% | 1,925 |
| Loan and lease loss provision to assets | 0.1506% | 5,036 |
| Net operating income to assets | 1.0553% | 1,985 |
| Return on assets (ROA) | 0.9667% | 2,372 |
| Pretax return on assets | 1.3189% | 2,007 |
| Return on Equity (ROE) | 10.6218% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.6218% | 1,008 |
| Net charge-offs to loans | 0.5667% | 2,384 |
| Credit loss provision to net charge-offs | 44.2857% | 4,568 |
| Earnings coverage of net charge-offs (x) | 4.6786% | 2,574 |
| Efficiency ratio | 68.8984% | 4,527 |
| Assets per employee ($millions) | 3.3403% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 2,653 |
| Loan loss allowance to noncurrent loans | 106.5525% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 3,463 |
| Noncurrent loans to loans | 1.7138% | 4,174 |
| Net loans and leases to total assets | 59.2857% | 5,244 |
| Net loans and leases to deposits | 73.9645% | 4,745 |
| Net loans and leases to core deposits | 93.8944% | 2,852 |
| Total domestic deposits to total assets | 80.1542% | 5,735 |
| Equity capital to assets | 9.3458% | 4,768 |
| Core capital (leverage) ratio | 11.8114% | 1,743 |
| Tier 1 risk-based capital ratio | 15.0231% | 3,112 |
| Total risk-based capital ratio | 16.2766% | 3,065 |
| Memoranda: | ||
| Average total assets | $164,688,500 | 3,750 |
| Average earning assets | $145,446,000 | 3,844 |
| Average equity | $14,988,000 | 4,018 |
| Average total loans | $98,821,500 | 3,994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0931% | 241 |
| Cost of funding earning assets | 2.2503% | 1,837 |
| Net interest margin | 4.8428% | 634 |
| Noninterest income to average assets | 0.8152% | 2,331 |
| Noninterest expense to average assets | 3.0744% | 3,855 |
| Loan and lease loss provision to assets | 0.3744% | 4,538 |
| Net operating income to assets | 1.8853% | 300 |
| Return on assets (ROA) | 0.3277% | 4,510 |
| Pretax return on assets | 0.2088% | 4,984 |
| Return on Equity (ROE) | 3.2155% | 4,409 |
| Retained earnings to average equity (ytd only) | 2.7578% | 3,229 |
| Net charge-offs to loans | 0.5052% | 3,758 |
| Credit loss provision to net charge-offs | 129.9595% | 3,930 |
| Earnings coverage of net charge-offs (x) | 7.4312% | 2,151 |
| Efficiency ratio | 58.9511% | 6,623 |
| Assets per employee ($millions) | 3.3816% | 5,305 |
| Cash dividends to net income (ytd only)* | 14.2349% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,249 |
| Loan loss allowance to noncurrent loans | 132.5123% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 3,786 |
| Noncurrent loans to loans | 1.4382% | 4,515 |
| Net loans and leases to total assets | 58.4900% | 5,582 |
| Net loans and leases to deposits | 73.5235% | 5,115 |
| Net loans and leases to core deposits | 95.3805% | 4,530 |
| Total domestic deposits to total assets | 79.5528% | 5,830 |
| Equity capital to assets | 8.8588% | 5,342 |
| Core capital (leverage) ratio | 11.3740% | 1,986 |
| Tier 1 risk-based capital ratio | 14.6889% | 3,108 |
| Total risk-based capital ratio | 15.9415% | 3,064 |
| Memoranda: | ||
| Average total assets | $171,481,400 | 3,583 |
| Average earning assets | $155,799,000 | 3,600 |
| Average equity | $17,477,600 | 3,587 |
| Average total loans | $97,783,200 | 4,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0654% | 273 |
| Cost of funding earning assets | 2.3088% | 1,949 |
| Net interest margin | 4.7567% | 745 |
| Noninterest income to average assets | 0.8011% | 2,428 |
| Noninterest expense to average assets | 3.1249% | 3,560 |
| Loan and lease loss provision to assets | 0.4927% | 3,443 |
| Net operating income to assets | 1.0922% | 1,759 |
| Return on assets (ROA) | 0.5929% | 3,689 |
| Pretax return on assets | 0.8312% | 3,439 |
| Return on Equity (ROE) | 5.6406% | 3,672 |
| Retained earnings to average equity (ytd only) | 5.0538% | 2,454 |
| Net charge-offs to loans | 0.3691% | 3,807 |
| Credit loss provision to net charge-offs | 236.6667% | 1,847 |
| Earnings coverage of net charge-offs (x) | 9.7371% | 2,066 |
| Efficiency ratio | 60.6555% | 6,331 |
| Assets per employee ($millions) | 3.5260% | 4,865 |
| Cash dividends to net income (ytd only)* | 10.4027% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0686% | 1,654 |
| Loan loss allowance to noncurrent loans | 126.8837% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.9557% | 3,407 |
| Noncurrent loans to loans | 1.6303% | 4,195 |
| Net loans and leases to total assets | 58.8807% | 5,754 |
| Net loans and leases to deposits | 76.1219% | 5,015 |
| Net loans and leases to core deposits | 100.6565% | 4,297 |
| Total domestic deposits to total assets | 77.3505% | 6,248 |
| Equity capital to assets | 8.1023% | 6,738 |
| Core capital (leverage) ratio | 10.8382% | 2,538 |
| Tier 1 risk-based capital ratio | 14.3031% | 3,383 |
| Total risk-based capital ratio | 15.5543% | 3,332 |
| Memoranda: | ||
| Average total assets | $172,926,750 | 3,577 |
| Average earning assets | $158,174,500 | 3,574 |
| Average equity | $18,177,250 | 3,505 |
| Average total loans | $97,528,750 | 4,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9225% | 365 |
| Cost of funding earning assets | 2.4137% | 1,910 |
| Net interest margin | 4.5087% | 1,151 |
| Noninterest income to average assets | 0.7890% | 2,470 |
| Noninterest expense to average assets | 2.9939% | 4,108 |
| Loan and lease loss provision to assets | 0.7247% | 2,260 |
| Net operating income to assets | 0.8194% | 2,777 |
| Return on assets (ROA) | 0.8475% | 2,769 |
| Pretax return on assets | 1.2541% | 2,149 |
| Return on Equity (ROE) | 7.5056% | 2,975 |
| Retained earnings to average equity (ytd only) | 6.6920% | 1,698 |
| Net charge-offs to loans | 0.5181% | 2,769 |
| Credit loss provision to net charge-offs | 253.4137% | 1,836 |
| Earnings coverage of net charge-offs (x) | 6.7751% | 2,549 |
| Efficiency ratio | 60.7126% | 6,445 |
| Assets per employee ($millions) | 3.5275% | 4,744 |
| Cash dividends to net income (ytd only)* | 10.8401% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2132% | 1,220 |
| Loan loss allowance to noncurrent loans | 108.0653% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 3,351 |
| Noncurrent loans to loans | 2.0480% | 3,448 |
| Net loans and leases to total assets | 54.1161% | 6,437 |
| Net loans and leases to deposits | 71.9822% | 5,738 |
| Net loans and leases to core deposits | 97.0956% | 4,774 |
| Total domestic deposits to total assets | 75.1798% | 6,727 |
| Equity capital to assets | 11.1503% | 2,794 |
| Core capital (leverage) ratio | 10.5045% | 2,809 |
| Tier 1 risk-based capital ratio | 15.0649% | 2,996 |
| Total risk-based capital ratio | 16.3207% | 2,925 |
| Memoranda: | ||
| Average total assets | $174,152,670 | 3,568 |
| Average earning assets | $160,001,000 | 3,563 |
| Average equity | $19,665,330 | 3,296 |
| Average total loans | $96,118,330 | 4,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9150% | 395 |
| Cost of funding earning assets | 2.4001% | 2,295 |
| Net interest margin | 4.5149% | 1,100 |
| Noninterest income to average assets | 0.7872% | 2,394 |
| Noninterest expense to average assets | 3.0205% | 3,673 |
| Loan and lease loss provision to assets | 0.5171% | 2,398 |
| Net operating income to assets | 0.9353% | 2,562 |
| Return on assets (ROA) | 0.7734% | 3,420 |
| Pretax return on assets | 1.1396% | 2,831 |
| Return on Equity (ROE) | 6.8071% | 3,667 |
| Retained earnings to average equity (ytd only) | 5.1960% | 3,016 |
| Net charge-offs to loans | 0.8095% | 1,598 |
| Credit loss provision to net charge-offs | 115.8974% | 3,366 |
| Earnings coverage of net charge-offs (x) | 4.2462% | 2,932 |
| Efficiency ratio | 61.4525% | 6,164 |
| Assets per employee ($millions) | 3.7074% | 4,325 |
| Cash dividends to net income (ytd only)* | 23.6686% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 1,766 |
| Loan loss allowance to noncurrent loans | 71.2500% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 2.0235% | 2,862 |
| Noncurrent loans to loans | 2.5793% | 2,557 |
| Net loans and leases to total assets | 51.9556% | 6,687 |
| Net loans and leases to deposits | 68.2131% | 6,162 |
| Net loans and leases to core deposits | 98.8459% | 4,664 |
| Total domestic deposits to total assets | 76.1666% | 6,480 |
| Equity capital to assets | 10.8829% | 3,094 |
| Core capital (leverage) ratio | 10.4280% | 3,002 |
| Tier 1 risk-based capital ratio | 14.4996% | 3,312 |
| Total risk-based capital ratio | 15.6619% | 3,280 |
| Memoranda: | ||
| Average total assets | $174,805,500 | 3,579 |
| Average earning assets | $159,826,500 | 3,575 |
| Average equity | $19,861,500 | 3,277 |
| Average total loans | $96,350,000 | 4,132 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6524% | 306 |
| Cost of funding earning assets | 2.7877% | 2,761 |
| Net interest margin | 4.8647% | 684 |
| Noninterest income to average assets | 0.8756% | 2,078 |
| Noninterest expense to average assets | 3.2100% | 3,300 |
| Loan and lease loss provision to assets | 0.4603% | 2,991 |
| Net operating income to assets | 1.1430% | 1,972 |
| Return on assets (ROA) | 0.8428% | 3,085 |
| Pretax return on assets | 1.2278% | 2,558 |
| Return on Equity (ROE) | 8.0947% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.0858% | 1,125 |
| Net charge-offs to loans | 0.3781% | 2,946 |
| Credit loss provision to net charge-offs | 209.2697% | 2,309 |
| Earnings coverage of net charge-offs (x) | 9.6517% | 2,656 |
| Efficiency ratio | 60.1900% | 6,300 |
| Assets per employee ($millions) | 3.4990% | 4,659 |
| Cash dividends to net income (ytd only)* | 12.4633% | 4,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 1,642 |
| Loan loss allowance to noncurrent loans | 71.8724% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 2.0191% | 2,436 |
| Noncurrent loans to loans | 2.5003% | 2,180 |
| Net loans and leases to total assets | 56.4543% | 6,380 |
| Net loans and leases to deposits | 77.1355% | 5,450 |
| Net loans and leases to core deposits | 101.1705% | 4,706 |
| Total domestic deposits to total assets | 73.1884% | 6,795 |
| Equity capital to assets | 11.8803% | 2,368 |
| Core capital (leverage) ratio | 11.2519% | 2,397 |
| Tier 1 risk-based capital ratio | 14.9911% | 3,050 |
| Total risk-based capital ratio | 16.2637% | 2,953 |
| Memoranda: | ||
| Average total assets | $161,837,000 | 3,688 |
| Average earning assets | $148,293,200 | 3,687 |
| Average equity | $16,850,600 | 3,765 |
| Average total loans | $94,162,000 | 4,102 |