Home > Farmers Trust and Savings Bank > Performance and Condition Ratios
Farmers Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 2,370 |
| Cost of funding earning assets | 1.3087% | 2,490 |
| Net interest margin | 3.5476% | 2,074 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.2364% | 3,024 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.4679% | 1,081 |
| Return on assets (ROA) | 1.4768% | 1,037 |
| Pretax return on assets | 1.5348% | 1,349 |
| Return on Equity (ROE) | 12.8600% | 1,765 |
| Retained earnings to average equity (ytd only) | 3.2553% | 3,205 |
| Net charge-offs to loans | 0.0047% | 2,548 |
| Credit loss provision to net charge-offs | 1,714.2857% | 261 |
| Earnings coverage of net charge-offs (x) | 378.2143% | 369 |
| Efficiency ratio | 57.9962% | 3,295 |
| Assets per employee ($millions) | 8.3231% | 1,266 |
| Cash dividends to net income (ytd only)* | 74.6833% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 892 |
| Loan loss allowance to noncurrent loans | 125.7518% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 403 |
| Noncurrent loans to loans | 1.2511% | 564 |
| Net loans and leases to total assets | 89.0500% | 55 |
| Net loans and leases to deposits | 106.3556% | 279 |
| Net loans and leases to core deposits | 112.6471% | 861 |
| Total domestic deposits to total assets | 83.7300% | 2,695 |
| Equity capital to assets | 11.0959% | 1,433 |
| Core capital (leverage) ratio | 11.4528% | 1,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $331,385,200 | 2,266 |
| Average earning assets | $316,104,200 | 2,219 |
| Average equity | $38,060,800 | 1,939 |
| Average total loans | $295,698,800 | 1,807 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 2,330 |
| Cost of funding earning assets | 1.1576% | 2,572 |
| Net interest margin | 3.6124% | 1,971 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.2457% | 2,953 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5076% | 1,106 |
| Return on assets (ROA) | 1.5143% | 1,085 |
| Pretax return on assets | 1.5848% | 1,392 |
| Return on Equity (ROE) | 13.0700% | 1,879 |
| Retained earnings to average equity (ytd only) | 3.3756% | 3,423 |
| Net charge-offs to loans | 0.0060% | 2,231 |
| Credit loss provision to net charge-offs | 1,384.6154% | 320 |
| Earnings coverage of net charge-offs (x) | 311.3846% | 443 |
| Efficiency ratio | 57.3014% | 3,280 |
| Assets per employee ($millions) | 7.8897% | 1,405 |
| Cash dividends to net income (ytd only)* | 74.1649% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 792 |
| Loan loss allowance to noncurrent loans | 124.6388% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1905% | 378 |
| Noncurrent loans to loans | 1.3204% | 580 |
| Net loans and leases to total assets | 88.6800% | 60 |
| Net loans and leases to deposits | 105.2331% | 314 |
| Net loans and leases to core deposits | 110.9314% | 840 |
| Total domestic deposits to total assets | 84.2700% | 2,696 |
| Equity capital to assets | 11.5555% | 1,164 |
| Core capital (leverage) ratio | 11.7317% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $326,838,500 | 2,286 |
| Average earning assets | $312,024,250 | 2,236 |
| Average equity | $37,879,000 | 1,935 |
| Average total loans | $290,553,000 | 1,829 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 2,306 |
| Cost of funding earning assets | 0.9915% | 2,632 |
| Net interest margin | 3.6575% | 1,902 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.2758% | 2,877 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.5292% | 1,053 |
| Return on assets (ROA) | 1.5363% | 1,034 |
| Pretax return on assets | 1.6082% | 1,397 |
| Return on Equity (ROE) | 13.2400% | 1,852 |
| Retained earnings to average equity (ytd only) | 3.4286% | 3,369 |
| Net charge-offs to loans | 0.0021% | 2,296 |
| Credit loss provision to net charge-offs | 4,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 908.0000% | 166 |
| Efficiency ratio | 57.2829% | 3,275 |
| Assets per employee ($millions) | 7.6045% | 1,539 |
| Cash dividends to net income (ytd only)* | 74.1096% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6819% | 778 |
| Loan loss allowance to noncurrent loans | 123.0283% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 333 |
| Noncurrent loans to loans | 1.3671% | 516 |
| Net loans and leases to total assets | 87.0100% | 117 |
| Net loans and leases to deposits | 102.9501% | 401 |
| Net loans and leases to core deposits | 107.7190% | 918 |
| Total domestic deposits to total assets | 84.5200% | 2,686 |
| Equity capital to assets | 11.6115% | 1,171 |
| Core capital (leverage) ratio | 11.8030% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $325,329,333 | 2,301 |
| Average earning assets | $310,651,000 | 2,255 |
| Average equity | $37,741,667 | 1,950 |
| Average total loans | $287,813,667 | 1,832 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,073 |
| Cost of funding earning assets | 0.7797% | 2,804 |
| Net interest margin | 3.8256% | 1,631 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.2854% | 2,856 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.6657% | 876 |
| Return on assets (ROA) | 1.6752% | 858 |
| Pretax return on assets | 1.7529% | 1,168 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 3.8163% | 3,321 |
| Net charge-offs to loans | 0.0042% | 1,828 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 491.3333% | 231 |
| Efficiency ratio | 55.4087% | 3,468 |
| Assets per employee ($millions) | 7.6449% | 1,538 |
| Cash dividends to net income (ytd only)* | 73.5835% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 858 |
| Loan loss allowance to noncurrent loans | 11,179.0698% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,723 |
| Noncurrent loans to loans | 0.0150% | 3,696 |
| Net loans and leases to total assets | 87.5600% | 84 |
| Net loans and leases to deposits | 103.0630% | 328 |
| Net loans and leases to core deposits | 105.7709% | 844 |
| Total domestic deposits to total assets | 84.9600% | 2,872 |
| Equity capital to assets | 11.7925% | 1,061 |
| Core capital (leverage) ratio | 11.8186% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $324,496,500 | 2,339 |
| Average earning assets | $311,900,500 | 2,284 |
| Average equity | $37,628,000 | 1,974 |
| Average total loans | $287,029,500 | 1,853 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 1,925 |
| Cost of funding earning assets | 0.3416% | 2,548 |
| Net interest margin | 3.5807% | 1,699 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.1335% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7274% | 511 |
| Return on assets (ROA) | 1.7255% | 488 |
| Pretax return on assets | 1.7971% | 741 |
| Return on Equity (ROE) | 14.9300% | 1,268 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,272 |
| Net charge-offs to loans | -0.0306% | 4,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.7903% | 3,811 |
| Assets per employee ($millions) | 7.8073% | 1,437 |
| Cash dividends to net income (ytd only)* | 70.5947% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 884 |
| Loan loss allowance to noncurrent loans | 79,166.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,931 |
| Noncurrent loans to loans | 0.0021% | 3,873 |
| Net loans and leases to total assets | 86.4100% | 134 |
| Net loans and leases to deposits | 105.2076% | 260 |
| Net loans and leases to core deposits | 107.0232% | 710 |
| Total domestic deposits to total assets | 82.1300% | 3,605 |
| Equity capital to assets | 11.4032% | 1,111 |
| Core capital (leverage) ratio | 11.5396% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $318,681,200 | 2,361 |
| Average earning assets | $306,784,600 | 2,296 |
| Average equity | $36,827,400 | 2,044 |
| Average total loans | $257,902,400 | 1,901 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 1,988 |
| Cost of funding earning assets | 0.2767% | 2,420 |
| Net interest margin | 3.4396% | 1,843 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.0557% | 3,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6354% | 611 |
| Return on assets (ROA) | 1.6314% | 600 |
| Pretax return on assets | 1.6967% | 909 |
| Return on Equity (ROE) | 14.0700% | 1,413 |
| Retained earnings to average equity (ytd only) | 4.2376% | 3,364 |
| Net charge-offs to loans | -0.0426% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.1844% | 3,806 |
| Assets per employee ($millions) | 7.5213% | 1,603 |
| Cash dividends to net income (ytd only)* | 69.8786% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 767 |
| Loan loss allowance to noncurrent loans | 237,550.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 4,042 |
| Noncurrent loans to loans | 0.0007% | 3,983 |
| Net loans and leases to total assets | 83.4900% | 287 |
| Net loans and leases to deposits | 96.7600% | 510 |
| Net loans and leases to core deposits | 99.0997% | 849 |
| Total domestic deposits to total assets | 86.2800% | 2,990 |
| Equity capital to assets | 11.7014% | 939 |
| Core capital (leverage) ratio | 11.2735% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $316,374,750 | 2,388 |
| Average earning assets | $304,481,000 | 2,328 |
| Average equity | $36,686,250 | 2,082 |
| Average total loans | $250,354,250 | 1,938 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4422% | 2,317 |
| Cost of funding earning assets | 0.2441% | 2,340 |
| Net interest margin | 3.1981% | 2,194 |
| Noninterest income to average assets | 0.4391% | 2,511 |
| Noninterest expense to average assets | 2.0130% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4536% | 791 |
| Return on assets (ROA) | 1.4469% | 785 |
| Pretax return on assets | 1.5069% | 1,146 |
| Return on Equity (ROE) | 12.5158% | 1,521 |
| Retained earnings to average equity (ytd only) | 4.1647% | 3,024 |
| Net charge-offs to loans | -0.0671% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4135% | 3,735 |
| Assets per employee ($millions) | 7.9233% | 1,347 |
| Cash dividends to net income (ytd only)* | 66.7249% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8818% | 690 |
| Loan loss allowance to noncurrent loans | 52,811.1111% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 4,038 |
| Noncurrent loans to loans | 0.0036% | 3,973 |
| Net loans and leases to total assets | 76.2855% | 699 |
| Net loans and leases to deposits | 88.3140% | 816 |
| Net loans and leases to core deposits | 90.0361% | 1,119 |
| Total domestic deposits to total assets | 86.3798% | 3,149 |
| Equity capital to assets | 11.3798% | 1,071 |
| Core capital (leverage) ratio | 11.1707% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $316,534,667 | 2,398 |
| Average earning assets | $305,616,667 | 2,348 |
| Average equity | $36,593,667 | 2,136 |
| Average total loans | $244,312,333 | 1,970 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3015% | 2,385 |
| Cost of funding earning assets | 0.2293% | 2,408 |
| Net interest margin | 3.0722% | 2,260 |
| Noninterest income to average assets | 0.4072% | 2,638 |
| Noninterest expense to average assets | 2.0668% | 3,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2431% | 1,133 |
| Return on assets (ROA) | 1.2383% | 1,133 |
| Pretax return on assets | 1.3036% | 1,499 |
| Return on Equity (ROE) | 10.6245% | 1,753 |
| Retained earnings to average equity (ytd only) | 2.9335% | 3,285 |
| Net charge-offs to loans | -0.1466% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3566% | 3,446 |
| Assets per employee ($millions) | 7.8841% | 1,446 |
| Cash dividends to net income (ytd only)* | 72.3888% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9772% | 644 |
| Loan loss allowance to noncurrent loans | 158,633.3333% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,117 |
| Noncurrent loans to loans | 0.0012% | 4,051 |
| Net loans and leases to total assets | 72.9877% | 737 |
| Net loans and leases to deposits | 84.4372% | 861 |
| Net loans and leases to core deposits | 85.9886% | 1,129 |
| Total domestic deposits to total assets | 86.4402% | 3,124 |
| Equity capital to assets | 11.3040% | 1,192 |
| Core capital (leverage) ratio | 11.3408% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $312,374,000 | 2,435 |
| Average earning assets | $301,799,500 | 2,381 |
| Average equity | $36,406,500 | 2,198 |
| Average total loans | $240,183,000 | 1,992 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0834% | 1,193 |
| Cost of funding earning assets | 0.3459% | 1,973 |
| Net interest margin | 3.7375% | 1,125 |
| Noninterest income to average assets | 0.4848% | 2,648 |
| Noninterest expense to average assets | 2.1926% | 3,112 |
| Loan and lease loss provision to assets | 0.0779% | 1,566 |
| Net operating income to assets | 1.7345% | 590 |
| Return on assets (ROA) | 1.7411% | 601 |
| Pretax return on assets | 1.8141% | 886 |
| Return on Equity (ROE) | 14.1279% | 1,146 |
| Retained earnings to average equity (ytd only) | 4.2676% | 3,102 |
| Net charge-offs to loans | -0.0252% | 4,063 |
| Credit loss provision to net charge-offs | -394.7368% | 3,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9911% | 4,035 |
| Assets per employee ($millions) | 7.3536% | 1,693 |
| Cash dividends to net income (ytd only)* | 69.7933% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9489% | 662 |
| Loan loss allowance to noncurrent loans | 4,671.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 3,797 |
| Noncurrent loans to loans | 0.0417% | 3,774 |
| Net loans and leases to total assets | 77.9452% | 380 |
| Net loans and leases to deposits | 91.0851% | 519 |
| Net loans and leases to core deposits | 92.7158% | 840 |
| Total domestic deposits to total assets | 85.5741% | 3,062 |
| Equity capital to assets | 12.0309% | 1,241 |
| Core capital (leverage) ratio | 11.7388% | 1,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $289,012,800 | 2,488 |
| Average earning assets | $277,830,200 | 2,445 |
| Average equity | $35,617,400 | 2,258 |
| Average total loans | $226,518,200 | 2,069 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 928 |
| Cost of funding earning assets | 0.3756% | 1,893 |
| Net interest margin | 3.9422% | 868 |
| Noninterest income to average assets | 0.4472% | 2,851 |
| Noninterest expense to average assets | 2.2241% | 2,999 |
| Loan and lease loss provision to assets | 0.1049% | 1,153 |
| Net operating income to assets | 1.8252% | 632 |
| Return on assets (ROA) | 1.8314% | 655 |
| Pretax return on assets | 1.9084% | 933 |
| Return on Equity (ROE) | 14.7683% | 1,186 |
| Retained earnings to average equity (ytd only) | 5.5169% | 3,037 |
| Net charge-offs to loans | 0.0018% | 2,343 |
| Credit loss provision to net charge-offs | 7,500.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 1,434.3333% | 107 |
| Efficiency ratio | 51.8078% | 4,039 |
| Assets per employee ($millions) | 6.8480% | 1,982 |
| Cash dividends to net income (ytd only)* | 62.6432% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1201% | 520 |
| Loan loss allowance to noncurrent loans | 1,584.5361% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 3,430 |
| Noncurrent loans to loans | 0.1338% | 3,439 |
| Net loans and leases to total assets | 74.0146% | 692 |
| Net loans and leases to deposits | 87.3259% | 749 |
| Net loans and leases to core deposits | 88.8873% | 1,104 |
| Total domestic deposits to total assets | 84.7567% | 3,196 |
| Equity capital to assets | 12.5932% | 1,139 |
| Core capital (leverage) ratio | 12.1740% | 1,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,891,250 | 2,522 |
| Average earning assets | $274,389,500 | 2,487 |
| Average equity | $35,453,500 | 2,299 |
| Average total loans | $223,229,000 | 2,121 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 1,028 |
| Cost of funding earning assets | 0.4017% | 1,872 |
| Net interest margin | 3.8834% | 1,002 |
| Noninterest income to average assets | 0.4374% | 2,921 |
| Noninterest expense to average assets | 2.1660% | 3,197 |
| Loan and lease loss provision to assets | 0.1051% | 1,193 |
| Net operating income to assets | 1.8242% | 676 |
| Return on assets (ROA) | 1.8309% | 697 |
| Pretax return on assets | 1.9074% | 1,006 |
| Return on Equity (ROE) | 14.8418% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.2788% | 2,704 |
| Net charge-offs to loans | 0.0027% | 2,101 |
| Credit loss provision to net charge-offs | 5,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 953.6667% | 136 |
| Efficiency ratio | 51.1511% | 4,130 |
| Assets per employee ($millions) | 6.9151% | 1,869 |
| Cash dividends to net income (ytd only)* | 57.6953% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0567% | 542 |
| Loan loss allowance to noncurrent loans | 6,048.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,091 |
| Noncurrent loans to loans | 0.0340% | 4,029 |
| Net loans and leases to total assets | 74.3767% | 717 |
| Net loans and leases to deposits | 87.9634% | 777 |
| Net loans and leases to core deposits | 89.6503% | 1,163 |
| Total domestic deposits to total assets | 84.5542% | 3,268 |
| Equity capital to assets | 12.3460% | 1,203 |
| Core capital (leverage) ratio | 11.9038% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,316,667 | 2,520 |
| Average earning assets | $274,344,333 | 2,477 |
| Average equity | $35,198,000 | 2,306 |
| Average total loans | $225,142,667 | 2,124 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8811% | 1,876 |
| Cost of funding earning assets | 0.4356% | 1,829 |
| Net interest margin | 3.4454% | 1,976 |
| Noninterest income to average assets | 0.4173% | 2,999 |
| Noninterest expense to average assets | 2.0979% | 3,432 |
| Loan and lease loss provision to assets | 0.1061% | 1,293 |
| Net operating income to assets | 1.4656% | 1,405 |
| Return on assets (ROA) | 1.4656% | 1,467 |
| Pretax return on assets | 1.5250% | 1,932 |
| Return on Equity (ROE) | 11.8847% | 2,058 |
| Retained earnings to average equity (ytd only) | 3.2465% | 3,705 |
| Net charge-offs to loans | 0.0053% | 1,721 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 384.3333% | 239 |
| Efficiency ratio | 55.3869% | 3,620 |
| Assets per employee ($millions) | 7.0965% | 1,728 |
| Cash dividends to net income (ytd only)* | 72.6834% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 612 |
| Loan loss allowance to noncurrent loans | 2,915.6863% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0526% | 4,001 |
| Noncurrent loans to loans | 0.0681% | 3,949 |
| Net loans and leases to total assets | 75.6973% | 656 |
| Net loans and leases to deposits | 89.3007% | 743 |
| Net loans and leases to core deposits | 90.5374% | 1,196 |
| Total domestic deposits to total assets | 84.7667% | 3,200 |
| Equity capital to assets | 12.0328% | 1,266 |
| Core capital (leverage) ratio | 12.1039% | 1,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,757,500 | 2,527 |
| Average earning assets | $271,779,000 | 2,481 |
| Average equity | $34,868,500 | 2,307 |
| Average total loans | $227,438,000 | 2,108 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5385% | 1,219 |
| Cost of funding earning assets | 0.7356% | 1,538 |
| Net interest margin | 3.8029% | 1,491 |
| Noninterest income to average assets | 0.4598% | 2,819 |
| Noninterest expense to average assets | 2.2033% | 3,656 |
| Loan and lease loss provision to assets | 0.2530% | 1,531 |
| Net operating income to assets | 1.5516% | 711 |
| Return on assets (ROA) | 1.5516% | 771 |
| Pretax return on assets | 1.6246% | 1,015 |
| Return on Equity (ROE) | 12.1524% | 1,284 |
| Retained earnings to average equity (ytd only) | 3.6956% | 2,979 |
| Net charge-offs to loans | 0.0194% | 2,683 |
| Credit loss provision to net charge-offs | 1,500.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 740 |
| Efficiency ratio | 53.1454% | 4,296 |
| Assets per employee ($millions) | 6.6966% | 1,786 |
| Cash dividends to net income (ytd only)* | 69.5894% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 714 |
| Loan loss allowance to noncurrent loans | 4,669.1489% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,189 |
| Noncurrent loans to loans | 0.0408% | 4,134 |
| Net loans and leases to total assets | 82.2338% | 275 |
| Net loans and leases to deposits | 99.7372% | 382 |
| Net loans and leases to core deposits | 101.3271% | 843 |
| Total domestic deposits to total assets | 82.4505% | 3,550 |
| Equity capital to assets | 12.6482% | 1,259 |
| Core capital (leverage) ratio | 12.3603% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,828,600 | 2,481 |
| Average earning assets | $254,070,000 | 2,445 |
| Average equity | $34,067,400 | 2,288 |
| Average total loans | $232,136,000 | 2,020 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,168 |
| Cost of funding earning assets | 0.7936% | 1,531 |
| Net interest margin | 3.8638% | 1,439 |
| Noninterest income to average assets | 0.4560% | 2,813 |
| Noninterest expense to average assets | 2.1945% | 3,691 |
| Loan and lease loss provision to assets | 0.3398% | 1,137 |
| Net operating income to assets | 1.5155% | 881 |
| Return on assets (ROA) | 1.5155% | 954 |
| Pretax return on assets | 1.5951% | 1,197 |
| Return on Equity (ROE) | 11.8415% | 1,420 |
| Retained earnings to average equity (ytd only) | 3.3664% | 3,365 |
| Net charge-offs to loans | 0.0264% | 2,311 |
| Credit loss provision to net charge-offs | 1,467.3913% | 624 |
| Earnings coverage of net charge-offs (x) | 83.5652% | 897 |
| Efficiency ratio | 52.3038% | 4,314 |
| Assets per employee ($millions) | 6.5159% | 1,823 |
| Cash dividends to net income (ytd only)* | 71.5709% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 609 |
| Loan loss allowance to noncurrent loans | 726.4901% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.2261% | 3,317 |
| Noncurrent loans to loans | 0.2593% | 3,373 |
| Net loans and leases to total assets | 85.5640% | 172 |
| Net loans and leases to deposits | 102.0409% | 453 |
| Net loans and leases to core deposits | 103.9174% | 929 |
| Total domestic deposits to total assets | 83.8526% | 2,864 |
| Equity capital to assets | 12.8481% | 1,248 |
| Core capital (leverage) ratio | 12.4272% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,895,750 | 2,473 |
| Average earning assets | $251,833,750 | 2,437 |
| Average equity | $33,902,500 | 2,286 |
| Average total loans | $232,627,500 | 2,023 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7356% | 1,317 |
| Cost of funding earning assets | 0.8411% | 1,628 |
| Net interest margin | 3.8945% | 1,582 |
| Noninterest income to average assets | 0.4679% | 2,724 |
| Noninterest expense to average assets | 2.1874% | 3,825 |
| Loan and lease loss provision to assets | 0.3407% | 1,257 |
| Net operating income to assets | 1.5613% | 826 |
| Return on assets (ROA) | 1.5613% | 896 |
| Pretax return on assets | 1.6385% | 1,132 |
| Return on Equity (ROE) | 12.2149% | 1,283 |
| Retained earnings to average equity (ytd only) | 3.6076% | 3,118 |
| Net charge-offs to loans | 0.0525% | 1,740 |
| Credit loss provision to net charge-offs | 737.7049% | 961 |
| Earnings coverage of net charge-offs (x) | 42.8525% | 1,198 |
| Efficiency ratio | 51.6627% | 4,384 |
| Assets per employee ($millions) | 6.5593% | 1,734 |
| Cash dividends to net income (ytd only)* | 70.4656% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7323% | 765 |
| Loan loss allowance to noncurrent loans | 266.4098% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 2,076 |
| Noncurrent loans to loans | 0.6502% | 2,235 |
| Net loans and leases to total assets | 87.4942% | 76 |
| Net loans and leases to deposits | 105.0972% | 342 |
| Net loans and leases to core deposits | 106.8924% | 852 |
| Total domestic deposits to total assets | 83.2508% | 3,012 |
| Equity capital to assets | 12.6712% | 1,296 |
| Core capital (leverage) ratio | 12.3818% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,143,667 | 2,449 |
| Average earning assets | $250,868,333 | 2,415 |
| Average equity | $33,762,000 | 2,270 |
| Average total loans | $232,512,000 | 1,998 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8206% | 1,371 |
| Cost of funding earning assets | 0.9094% | 1,817 |
| Net interest margin | 3.9112% | 1,637 |
| Noninterest income to average assets | 0.4844% | 2,639 |
| Noninterest expense to average assets | 2.2525% | 3,881 |
| Loan and lease loss provision to assets | 0.3438% | 896 |
| Net operating income to assets | 1.5251% | 736 |
| Return on assets (ROA) | 1.5251% | 805 |
| Pretax return on assets | 1.6015% | 1,049 |
| Return on Equity (ROE) | 11.8241% | 1,151 |
| Retained earnings to average equity (ytd only) | 3.2345% | 2,986 |
| Net charge-offs to loans | 0.0210% | 1,948 |
| Credit loss provision to net charge-offs | 1,875.0000% | 357 |
| Earnings coverage of net charge-offs (x) | 106.0833% | 556 |
| Efficiency ratio | 52.8213% | 4,484 |
| Assets per employee ($millions) | 6.2190% | 1,506 |
| Cash dividends to net income (ytd only)* | 72.6453% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 859 |
| Loan loss allowance to noncurrent loans | 281.1040% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 2,370 |
| Noncurrent loans to loans | 0.6092% | 2,465 |
| Net loans and leases to total assets | 87.2855% | 86 |
| Net loans and leases to deposits | 105.1901% | 322 |
| Net loans and leases to core deposits | 106.4077% | 1,033 |
| Total domestic deposits to total assets | 82.9787% | 3,123 |
| Equity capital to assets | 12.9779% | 1,440 |
| Core capital (leverage) ratio | 12.7361% | 1,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,749,500 | 2,422 |
| Average earning assets | $248,518,000 | 2,379 |
| Average equity | $33,761,500 | 2,257 |
| Average total loans | $229,044,000 | 1,992 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1612% | 1,083 |
| Cost of funding earning assets | 1.0907% | 1,364 |
| Net interest margin | 4.0705% | 1,620 |
| Noninterest income to average assets | 0.5037% | 2,714 |
| Noninterest expense to average assets | 2.2626% | 4,040 |
| Loan and lease loss provision to assets | 0.3460% | 446 |
| Net operating income to assets | 1.6725% | 703 |
| Return on assets (ROA) | 1.6725% | 753 |
| Pretax return on assets | 1.7532% | 1,063 |
| Return on Equity (ROE) | 13.1730% | 1,122 |
| Retained earnings to average equity (ytd only) | 3.6339% | 3,180 |
| Net charge-offs to loans | 0.0768% | 2,000 |
| Credit loss provision to net charge-offs | 517.2414% | 562 |
| Earnings coverage of net charge-offs (x) | 31.3793% | 1,536 |
| Efficiency ratio | 51.0621% | 4,666 |
| Assets per employee ($millions) | 6.7257% | 1,165 |
| Cash dividends to net income (ytd only)* | 72.4138% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6623% | 866 |
| Loan loss allowance to noncurrent loans | 1,146.0366% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,021 |
| Noncurrent loans to loans | 0.1450% | 3,946 |
| Net loans and leases to total assets | 84.7763% | 256 |
| Net loans and leases to deposits | 106.0202% | 302 |
| Net loans and leases to core deposits | 107.5540% | 1,005 |
| Total domestic deposits to total assets | 79.9624% | 3,988 |
| Equity capital to assets | 12.8192% | 1,629 |
| Core capital (leverage) ratio | 12.7583% | 1,349 |
| Tier 1 risk-based capital ratio | 14.6479% | 2,931 |
| Total risk-based capital ratio | 15.9034% | 2,845 |
| Memoranda: | ||
| Average total assets | $260,093,600 | 2,395 |
| Average earning assets | $246,530,600 | 2,361 |
| Average equity | $33,022,000 | 2,236 |
| Average total loans | $226,585,200 | 1,978 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2260% | 988 |
| Cost of funding earning assets | 1.1323% | 1,227 |
| Net interest margin | 4.0936% | 1,630 |
| Noninterest income to average assets | 0.4937% | 2,770 |
| Noninterest expense to average assets | 2.2706% | 4,028 |
| Loan and lease loss provision to assets | 0.3468% | 393 |
| Net operating income to assets | 1.6711% | 787 |
| Return on assets (ROA) | 1.6711% | 834 |
| Pretax return on assets | 1.7615% | 1,177 |
| Return on Equity (ROE) | 13.1946% | 1,207 |
| Retained earnings to average equity (ytd only) | 3.6627% | 3,570 |
| Net charge-offs to loans | 0.0218% | 2,669 |
| Credit loss provision to net charge-offs | 1,824.3243% | 212 |
| Earnings coverage of net charge-offs (x) | 110.9236% | 695 |
| Efficiency ratio | 51.0441% | 4,669 |
| Assets per employee ($millions) | 6.3101% | 1,383 |
| Cash dividends to net income (ytd only)* | 72.2412% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 954 |
| Loan loss allowance to noncurrent loans | 609.8007% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 3,641 |
| Noncurrent loans to loans | 0.2661% | 3,592 |
| Net loans and leases to total assets | 86.0252% | 189 |
| Net loans and leases to deposits | 100.7104% | 586 |
| Net loans and leases to core deposits | 102.1855% | 1,482 |
| Total domestic deposits to total assets | 85.4183% | 2,248 |
| Equity capital to assets | 12.8829% | 1,695 |
| Core capital (leverage) ratio | 12.4073% | 1,621 |
| Tier 1 risk-based capital ratio | 14.5064% | 3,073 |
| Total risk-based capital ratio | 15.7615% | 2,997 |
| Memoranda: | ||
| Average total assets | $259,541,500 | 2,421 |
| Average earning assets | $246,328,000 | 2,375 |
| Average equity | $32,871,250 | 2,264 |
| Average total loans | $226,699,250 | 1,994 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 1,023 |
| Cost of funding earning assets | 1.1190% | 1,225 |
| Net interest margin | 4.0596% | 1,729 |
| Noninterest income to average assets | 0.4865% | 2,750 |
| Noninterest expense to average assets | 2.3047% | 3,992 |
| Loan and lease loss provision to assets | 0.3464% | 375 |
| Net operating income to assets | 1.6019% | 910 |
| Return on assets (ROA) | 1.6019% | 952 |
| Pretax return on assets | 1.6835% | 1,309 |
| Return on Equity (ROE) | 12.7207% | 1,329 |
| Retained earnings to average equity (ytd only) | 3.5515% | 3,468 |
| Net charge-offs to loans | 0.0097% | 2,784 |
| Credit loss provision to net charge-offs | 4,090.9091% | 91 |
| Earnings coverage of net charge-offs (x) | 239.7273% | 337 |
| Efficiency ratio | 52.3530% | 4,627 |
| Assets per employee ($millions) | 6.6238% | 1,177 |
| Cash dividends to net income (ytd only)* | 72.0807% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,283 |
| Loan loss allowance to noncurrent loans | 551.9873% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,622 |
| Noncurrent loans to loans | 0.2717% | 3,559 |
| Net loans and leases to total assets | 86.0763% | 210 |
| Net loans and leases to deposits | 111.4531% | 189 |
| Net loans and leases to core deposits | 113.6668% | 790 |
| Total domestic deposits to total assets | 77.2310% | 4,534 |
| Equity capital to assets | 12.4581% | 1,884 |
| Core capital (leverage) ratio | 12.0918% | 1,764 |
| Tier 1 risk-based capital ratio | 14.0905% | 3,270 |
| Total risk-based capital ratio | 15.3441% | 3,188 |
| Memoranda: | ||
| Average total assets | $259,817,000 | 2,422 |
| Average earning assets | $246,281,670 | 2,381 |
| Average equity | $32,718,330 | 2,261 |
| Average total loans | $226,855,330 | 2,000 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 1,386 |
| Cost of funding earning assets | 1.0323% | 1,440 |
| Net interest margin | 3.9473% | 2,031 |
| Noninterest income to average assets | 0.4665% | 2,757 |
| Noninterest expense to average assets | 2.3246% | 3,958 |
| Loan and lease loss provision to assets | 0.3499% | 340 |
| Net operating income to assets | 1.4694% | 1,183 |
| Return on assets (ROA) | 1.4694% | 1,209 |
| Pretax return on assets | 1.5378% | 1,651 |
| Return on Equity (ROE) | 11.6045% | 1,694 |
| Retained earnings to average equity (ytd only) | 3.6226% | 3,468 |
| Net charge-offs to loans | -0.0160% | 4,404 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3374% | 4,507 |
| Assets per employee ($millions) | 6.4927% | 1,246 |
| Cash dividends to net income (ytd only)* | 68.7831% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 1,557 |
| Loan loss allowance to noncurrent loans | 97.2901% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 1.2930% | 1,013 |
| Noncurrent loans to loans | 1.4732% | 1,097 |
| Net loans and leases to total assets | 86.5111% | 158 |
| Net loans and leases to deposits | 110.6413% | 202 |
| Net loans and leases to core deposits | 112.4211% | 814 |
| Total domestic deposits to total assets | 78.1906% | 4,485 |
| Equity capital to assets | 12.5991% | 1,682 |
| Core capital (leverage) ratio | 12.5528% | 1,476 |
| Tier 1 risk-based capital ratio | 14.1501% | 3,273 |
| Total risk-based capital ratio | 15.4029% | 3,190 |
| Memoranda: | ||
| Average total assets | $257,249,500 | 2,464 |
| Average earning assets | $244,118,000 | 2,422 |
| Average equity | $32,573,500 | 2,271 |
| Average total loans | $224,516,500 | 2,028 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 1,391 |
| Cost of funding earning assets | 0.8910% | 1,130 |
| Net interest margin | 3.9700% | 2,093 |
| Noninterest income to average assets | 0.5272% | 2,673 |
| Noninterest expense to average assets | 2.3284% | 4,052 |
| Loan and lease loss provision to assets | 0.2350% | 758 |
| Net operating income to assets | 1.6618% | 753 |
| Return on assets (ROA) | 1.6618% | 750 |
| Pretax return on assets | 1.7366% | 1,073 |
| Return on Equity (ROE) | 13.2912% | 1,238 |
| Retained earnings to average equity (ytd only) | 3.1889% | 3,804 |
| Net charge-offs to loans | 0.3630% | 529 |
| Credit loss provision to net charge-offs | 74.9064% | 2,928 |
| Earnings coverage of net charge-offs (x) | 6.2846% | 3,103 |
| Efficiency ratio | 53.3109% | 4,679 |
| Assets per employee ($millions) | 6.3698% | 1,284 |
| Cash dividends to net income (ytd only)* | 76.0075% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3718% | 1,750 |
| Loan loss allowance to noncurrent loans | 96.5309% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2332% | 1,045 |
| Noncurrent loans to loans | 1.4211% | 1,096 |
| Net loans and leases to total assets | 85.5826% | 264 |
| Net loans and leases to deposits | 108.1852% | 300 |
| Net loans and leases to core deposits | 109.9821% | 1,003 |
| Total domestic deposits to total assets | 79.1075% | 4,292 |
| Equity capital to assets | 12.7266% | 1,474 |
| Core capital (leverage) ratio | 12.3570% | 1,533 |
| Tier 1 risk-based capital ratio | 14.4320% | 3,096 |
| Total risk-based capital ratio | 15.6836% | 3,009 |
| Memoranda: | ||
| Average total assets | $255,320,200 | 2,436 |
| Average earning assets | $242,646,400 | 2,396 |
| Average equity | $31,923,400 | 2,222 |
| Average total loans | $220,639,600 | 2,018 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,352 |
| Cost of funding earning assets | 0.8552% | 1,092 |
| Net interest margin | 3.9722% | 2,043 |
| Noninterest income to average assets | 0.5115% | 2,795 |
| Noninterest expense to average assets | 2.3059% | 4,085 |
| Loan and lease loss provision to assets | 0.2349% | 686 |
| Net operating income to assets | 1.6759% | 793 |
| Return on assets (ROA) | 1.6759% | 792 |
| Pretax return on assets | 1.7501% | 1,142 |
| Return on Equity (ROE) | 13.4639% | 1,278 |
| Retained earnings to average equity (ytd only) | 3.2957% | 4,105 |
| Net charge-offs to loans | 0.2134% | 802 |
| Credit loss provision to net charge-offs | 127.4788% | 1,921 |
| Earnings coverage of net charge-offs (x) | 10.7735% | 2,564 |
| Efficiency ratio | 52.8889% | 4,723 |
| Assets per employee ($millions) | 6.3950% | 1,236 |
| Cash dividends to net income (ytd only)* | 75.5215% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,356 |
| Loan loss allowance to noncurrent loans | 88.3086% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 878 |
| Noncurrent loans to loans | 1.6951% | 920 |
| Net loans and leases to total assets | 85.6908% | 292 |
| Net loans and leases to deposits | 107.6410% | 368 |
| Net loans and leases to core deposits | 109.7763% | 1,052 |
| Total domestic deposits to total assets | 79.6079% | 4,195 |
| Equity capital to assets | 12.5856% | 1,528 |
| Core capital (leverage) ratio | 12.2088% | 1,663 |
| Tier 1 risk-based capital ratio | 14.2884% | 3,218 |
| Total risk-based capital ratio | 15.5419% | 3,135 |
| Memoranda: | ||
| Average total assets | $255,452,750 | 2,452 |
| Average earning assets | $243,049,000 | 2,406 |
| Average equity | $31,797,750 | 2,232 |
| Average total loans | $220,527,250 | 2,026 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 1,401 |
| Cost of funding earning assets | 0.8027% | 1,111 |
| Net interest margin | 3.9395% | 2,070 |
| Noninterest income to average assets | 0.5123% | 2,790 |
| Noninterest expense to average assets | 2.2786% | 4,194 |
| Loan and lease loss provision to assets | 0.2350% | 678 |
| Net operating income to assets | 1.6770% | 756 |
| Return on assets (ROA) | 1.6770% | 764 |
| Pretax return on assets | 1.7506% | 1,096 |
| Return on Equity (ROE) | 13.5225% | 1,199 |
| Retained earnings to average equity (ytd only) | 3.2338% | 3,951 |
| Net charge-offs to loans | 0.1301% | 1,139 |
| Credit loss provision to net charge-offs | 209.7902% | 1,262 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,939 |
| Efficiency ratio | 52.5900% | 4,824 |
| Assets per employee ($millions) | 6.4031% | 1,218 |
| Cash dividends to net income (ytd only)* | 76.0859% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 1,345 |
| Loan loss allowance to noncurrent loans | 118.9825% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 1,328 |
| Noncurrent loans to loans | 1.2750% | 1,341 |
| Net loans and leases to total assets | 85.9485% | 269 |
| Net loans and leases to deposits | 104.6682% | 497 |
| Net loans and leases to core deposits | 106.3218% | 1,220 |
| Total domestic deposits to total assets | 82.1152% | 3,679 |
| Equity capital to assets | 12.4671% | 1,553 |
| Core capital (leverage) ratio | 12.0029% | 1,710 |
| Tier 1 risk-based capital ratio | 14.0031% | 3,358 |
| Total risk-based capital ratio | 15.2562% | 3,277 |
| Memoranda: | ||
| Average total assets | $255,337,000 | 2,466 |
| Average earning assets | $243,179,670 | 2,415 |
| Average equity | $31,665,670 | 2,243 |
| Average total loans | $219,860,330 | 2,033 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 1,520 |
| Cost of funding earning assets | 0.7223% | 1,333 |
| Net interest margin | 3.8936% | 2,068 |
| Noninterest income to average assets | 0.4989% | 2,805 |
| Noninterest expense to average assets | 2.3048% | 4,184 |
| Loan and lease loss provision to assets | 0.2353% | 656 |
| Net operating income to assets | 1.5909% | 876 |
| Return on assets (ROA) | 1.5909% | 879 |
| Pretax return on assets | 1.6631% | 1,213 |
| Return on Equity (ROE) | 12.8627% | 1,308 |
| Retained earnings to average equity (ytd only) | 2.6766% | 4,107 |
| Net charge-offs to loans | -0.0018% | 3,803 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9754% | 4,801 |
| Assets per employee ($millions) | 6.5029% | 1,197 |
| Cash dividends to net income (ytd only)* | 79.1913% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,319 |
| Loan loss allowance to noncurrent loans | 155.6322% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.8576% | 1,842 |
| Noncurrent loans to loans | 0.9899% | 1,845 |
| Net loans and leases to total assets | 85.2981% | 314 |
| Net loans and leases to deposits | 102.1798% | 568 |
| Net loans and leases to core deposits | 103.6262% | 1,404 |
| Total domestic deposits to total assets | 83.4784% | 3,511 |
| Equity capital to assets | 12.4737% | 1,497 |
| Core capital (leverage) ratio | 12.2781% | 1,488 |
| Tier 1 risk-based capital ratio | 14.0424% | 3,362 |
| Total risk-based capital ratio | 15.2963% | 3,271 |
| Memoranda: | ||
| Average total assets | $254,944,000 | 2,483 |
| Average earning assets | $242,552,500 | 2,432 |
| Average equity | $31,533,000 | 2,269 |
| Average total loans | $218,028,000 | 2,057 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5150% | 1,666 |
| Cost of funding earning assets | 0.6715% | 1,176 |
| Net interest margin | 3.8435% | 2,278 |
| Noninterest income to average assets | 0.5672% | 2,612 |
| Noninterest expense to average assets | 2.1465% | 4,661 |
| Loan and lease loss provision to assets | 0.2350% | 819 |
| Net operating income to assets | 1.7630% | 466 |
| Return on assets (ROA) | 1.7630% | 471 |
| Pretax return on assets | 1.8421% | 703 |
| Return on Equity (ROE) | 15.6911% | 516 |
| Retained earnings to average equity (ytd only) | 4.9712% | 2,148 |
| Net charge-offs to loans | 0.1259% | 1,790 |
| Credit loss provision to net charge-offs | 216.6065% | 1,259 |
| Earnings coverage of net charge-offs (x) | 19.1444% | 2,035 |
| Efficiency ratio | 49.9583% | 5,218 |
| Assets per employee ($millions) | 6.5712% | 1,169 |
| Cash dividends to net income (ytd only)* | 68.3182% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4948% | 1,426 |
| Loan loss allowance to noncurrent loans | 242.0659% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 2,823 |
| Noncurrent loans to loans | 0.6175% | 2,686 |
| Net loans and leases to total assets | 83.1568% | 533 |
| Net loans and leases to deposits | 100.3003% | 703 |
| Net loans and leases to core deposits | 101.4679% | 1,590 |
| Total domestic deposits to total assets | 82.9078% | 3,595 |
| Equity capital to assets | 12.2646% | 1,662 |
| Core capital (leverage) ratio | 12.1253% | 1,544 |
| Tier 1 risk-based capital ratio | 14.2754% | 3,209 |
| Total risk-based capital ratio | 15.5289% | 3,106 |
| Memoranda: | ||
| Average total assets | $255,304,600 | 2,453 |
| Average earning assets | $242,880,400 | 2,404 |
| Average equity | $28,685,000 | 2,451 |
| Average total loans | $220,044,000 | 1,998 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,606 |
| Cost of funding earning assets | 0.6650% | 1,146 |
| Net interest margin | 3.8485% | 2,231 |
| Noninterest income to average assets | 0.5055% | 3,003 |
| Noninterest expense to average assets | 2.1552% | 4,624 |
| Loan and lease loss provision to assets | 0.2352% | 765 |
| Net operating income to assets | 1.7005% | 578 |
| Return on assets (ROA) | 1.7005% | 591 |
| Pretax return on assets | 1.7757% | 935 |
| Return on Equity (ROE) | 15.4909% | 592 |
| Retained earnings to average equity (ytd only) | 4.6573% | 3,109 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8532% | 5,188 |
| Assets per employee ($millions) | 6.4946% | 1,184 |
| Cash dividends to net income (ytd only)* | 69.9356% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 1,437 |
| Loan loss allowance to noncurrent loans | 159.7433% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 2,071 |
| Noncurrent loans to loans | 0.9566% | 2,012 |
| Net loans and leases to total assets | 85.5110% | 293 |
| Net loans and leases to deposits | 106.8636% | 377 |
| Net loans and leases to core deposits | 108.7272% | 1,112 |
| Total domestic deposits to total assets | 80.0188% | 4,310 |
| Equity capital to assets | 11.2496% | 2,618 |
| Core capital (leverage) ratio | 10.7578% | 2,695 |
| Tier 1 risk-based capital ratio | 12.7854% | 4,146 |
| Total risk-based capital ratio | 14.0395% | 4,048 |
| Memoranda: | ||
| Average total assets | $255,062,000 | 2,470 |
| Average earning assets | $242,615,500 | 2,420 |
| Average equity | $27,998,500 | 2,504 |
| Average total loans | $220,969,000 | 1,999 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,789 |
| Cost of funding earning assets | 0.6314% | 1,255 |
| Net interest margin | 3.7769% | 2,375 |
| Noninterest income to average assets | 0.5030% | 3,005 |
| Noninterest expense to average assets | 2.1263% | 4,727 |
| Loan and lease loss provision to assets | 0.2347% | 735 |
| Net operating income to assets | 1.6655% | 607 |
| Return on assets (ROA) | 1.6655% | 628 |
| Pretax return on assets | 1.7359% | 970 |
| Return on Equity (ROE) | 15.2982% | 622 |
| Retained earnings to average equity (ytd only) | 4.6994% | 2,914 |
| Net charge-offs to loans | 0.0009% | 3,493 |
| Credit loss provision to net charge-offs | 30,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 2,519.0000% | 16 |
| Efficiency ratio | 51.0216% | 5,243 |
| Assets per employee ($millions) | 6.6296% | 1,080 |
| Cash dividends to net income (ytd only)* | 69.2814% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4240% | 1,845 |
| Loan loss allowance to noncurrent loans | 262.2549% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 3,209 |
| Noncurrent loans to loans | 0.5430% | 3,118 |
| Net loans and leases to total assets | 85.9446% | 276 |
| Net loans and leases to deposits | 109.5098% | 274 |
| Net loans and leases to core deposits | 111.6142% | 923 |
| Total domestic deposits to total assets | 78.4813% | 4,738 |
| Equity capital to assets | 10.8974% | 2,928 |
| Core capital (leverage) ratio | 10.5553% | 2,857 |
| Tier 1 risk-based capital ratio | 12.2893% | 4,434 |
| Total risk-based capital ratio | 13.5419% | 4,318 |
| Memoranda: | ||
| Average total assets | $255,653,330 | 2,481 |
| Average earning assets | $243,265,670 | 2,421 |
| Average equity | $27,833,330 | 2,519 |
| Average total loans | $221,308,670 | 2,000 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,149 |
| Cost of funding earning assets | 0.6070% | 1,328 |
| Net interest margin | 3.6273% | 2,792 |
| Noninterest income to average assets | 0.4831% | 3,084 |
| Noninterest expense to average assets | 2.1526% | 4,745 |
| Loan and lease loss provision to assets | 0.2360% | 650 |
| Net operating income to assets | 1.4839% | 844 |
| Return on assets (ROA) | 1.4839% | 868 |
| Pretax return on assets | 1.5452% | 1,392 |
| Return on Equity (ROE) | 13.6360% | 874 |
| Retained earnings to average equity (ytd only) | 3.8754% | 3,516 |
| Net charge-offs to loans | 0.0018% | 2,906 |
| Credit loss provision to net charge-offs | 15,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,132.0000% | 37 |
| Efficiency ratio | 53.8000% | 5,147 |
| Assets per employee ($millions) | 6.5344% | 1,169 |
| Cash dividends to net income (ytd only)* | 71.5801% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 2,201 |
| Loan loss allowance to noncurrent loans | 215.0387% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 2,999 |
| Noncurrent loans to loans | 0.6380% | 2,915 |
| Net loans and leases to total assets | 86.3162% | 199 |
| Net loans and leases to deposits | 103.7678% | 409 |
| Net loans and leases to core deposits | 106.2067% | 1,086 |
| Total domestic deposits to total assets | 83.1821% | 3,770 |
| Equity capital to assets | 10.9056% | 2,738 |
| Core capital (leverage) ratio | 10.7049% | 2,684 |
| Tier 1 risk-based capital ratio | 12.2009% | 4,578 |
| Total risk-based capital ratio | 13.4530% | 4,477 |
| Memoranda: | ||
| Average total assets | $254,202,000 | 2,512 |
| Average earning assets | $241,831,500 | 2,456 |
| Average equity | $27,662,000 | 2,539 |
| Average total loans | $219,250,500 | 2,032 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 1,785 |
| Cost of funding earning assets | 0.6170% | 1,227 |
| Net interest margin | 3.7936% | 2,341 |
| Noninterest income to average assets | 0.5265% | 3,047 |
| Noninterest expense to average assets | 2.1320% | 4,934 |
| Loan and lease loss provision to assets | 0.1425% | 1,754 |
| Net operating income to assets | 1.7658% | 472 |
| Return on assets (ROA) | 1.7658% | 493 |
| Pretax return on assets | 1.8470% | 698 |
| Return on Equity (ROE) | 16.5584% | 450 |
| Retained earnings to average equity (ytd only) | 4.5841% | 2,654 |
| Net charge-offs to loans | 0.0907% | 2,400 |
| Credit loss provision to net charge-offs | 179.1045% | 1,563 |
| Earnings coverage of net charge-offs (x) | 25.0050% | 1,602 |
| Efficiency ratio | 50.7683% | 5,450 |
| Assets per employee ($millions) | 6.5016% | 1,155 |
| Cash dividends to net income (ytd only)* | 72.3156% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,296 |
| Loan loss allowance to noncurrent loans | 182.7370% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 2,840 |
| Noncurrent loans to loans | 0.7393% | 2,679 |
| Net loans and leases to total assets | 83.8297% | 397 |
| Net loans and leases to deposits | 98.5648% | 774 |
| Net loans and leases to core deposits | 100.7183% | 1,559 |
| Total domestic deposits to total assets | 85.0503% | 3,022 |
| Equity capital to assets | 10.8581% | 2,755 |
| Core capital (leverage) ratio | 10.4713% | 2,907 |
| Tier 1 risk-based capital ratio | 12.6408% | 4,296 |
| Total risk-based capital ratio | 13.8925% | 4,187 |
| Memoranda: | ||
| Average total assets | $252,629,600 | 2,484 |
| Average earning assets | $239,402,400 | 2,446 |
| Average equity | $26,941,000 | 2,574 |
| Average total loans | $221,519,000 | 1,967 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 1,682 |
| Cost of funding earning assets | 0.6178% | 1,222 |
| Net interest margin | 3.8366% | 2,202 |
| Noninterest income to average assets | 0.4997% | 3,246 |
| Noninterest expense to average assets | 2.1241% | 4,960 |
| Loan and lease loss provision to assets | 0.1426% | 1,639 |
| Net operating income to assets | 1.7866% | 502 |
| Return on assets (ROA) | 1.7866% | 533 |
| Pretax return on assets | 1.8679% | 761 |
| Return on Equity (ROE) | 16.8297% | 459 |
| Retained earnings to average equity (ytd only) | 4.5135% | 3,128 |
| Net charge-offs to loans | 0.0185% | 3,344 |
| Credit loss provision to net charge-offs | 870.9677% | 462 |
| Earnings coverage of net charge-offs (x) | 122.7810% | 566 |
| Efficiency ratio | 50.4152% | 5,475 |
| Assets per employee ($millions) | 6.3429% | 1,210 |
| Cash dividends to net income (ytd only)* | 73.1816% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,313 |
| Loan loss allowance to noncurrent loans | 98.1299% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 1,600 |
| Noncurrent loans to loans | 1.4021% | 1,573 |
| Net loans and leases to total assets | 86.6683% | 206 |
| Net loans and leases to deposits | 103.6351% | 476 |
| Net loans and leases to core deposits | 106.5212% | 1,146 |
| Total domestic deposits to total assets | 83.6283% | 3,343 |
| Equity capital to assets | 11.0097% | 3,001 |
| Core capital (leverage) ratio | 10.4958% | 3,002 |
| Tier 1 risk-based capital ratio | 12.5519% | 4,442 |
| Total risk-based capital ratio | 13.8041% | 4,347 |
| Memoranda: | ||
| Average total assets | $252,396,250 | 2,494 |
| Average earning assets | $239,127,750 | 2,445 |
| Average equity | $26,793,250 | 2,603 |
| Average total loans | $223,030,750 | 1,966 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 1,707 |
| Cost of funding earning assets | 0.6161% | 1,213 |
| Net interest margin | 3.8248% | 2,226 |
| Noninterest income to average assets | 0.4928% | 3,245 |
| Noninterest expense to average assets | 2.0742% | 5,113 |
| Loan and lease loss provision to assets | 0.1417% | 1,603 |
| Net operating income to assets | 1.8184% | 465 |
| Return on assets (ROA) | 1.8184% | 489 |
| Pretax return on assets | 1.8979% | 702 |
| Return on Equity (ROE) | 17.3384% | 410 |
| Retained earnings to average equity (ytd only) | 4.3909% | 3,123 |
| Net charge-offs to loans | 0.0009% | 3,674 |
| Credit loss provision to net charge-offs | 18,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,591.0000% | 17 |
| Efficiency ratio | 49.5408% | 5,591 |
| Assets per employee ($millions) | 6.7405% | 981 |
| Cash dividends to net income (ytd only)* | 74.6753% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 2,636 |
| Loan loss allowance to noncurrent loans | 188.0051% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 3,130 |
| Noncurrent loans to loans | 0.7061% | 2,959 |
| Net loans and leases to total assets | 87.3589% | 179 |
| Net loans and leases to deposits | 105.7713% | 379 |
| Net loans and leases to core deposits | 108.4566% | 1,013 |
| Total domestic deposits to total assets | 82.5922% | 3,800 |
| Equity capital to assets | 10.7967% | 3,287 |
| Core capital (leverage) ratio | 10.3208% | 3,164 |
| Tier 1 risk-based capital ratio | 12.0913% | 4,769 |
| Total risk-based capital ratio | 13.3427% | 4,692 |
| Memoranda: | ||
| Average total assets | $254,071,000 | 2,497 |
| Average earning assets | $240,537,670 | 2,447 |
| Average equity | $26,646,000 | 2,621 |
| Average total loans | $224,913,000 | 1,952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 1,795 |
| Cost of funding earning assets | 0.6183% | 1,226 |
| Net interest margin | 3.7823% | 2,363 |
| Noninterest income to average assets | 0.4618% | 3,405 |
| Noninterest expense to average assets | 2.0592% | 5,204 |
| Loan and lease loss provision to assets | 0.1404% | 1,498 |
| Net operating income to assets | 1.7706% | 491 |
| Return on assets (ROA) | 1.7706% | 525 |
| Pretax return on assets | 1.8315% | 804 |
| Return on Equity (ROE) | 17.1285% | 421 |
| Retained earnings to average equity (ytd only) | 5.4328% | 2,692 |
| Net charge-offs to loans | 0.0018% | 3,059 |
| Credit loss provision to net charge-offs | 9,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,264.0000% | 30 |
| Efficiency ratio | 50.1161% | 5,620 |
| Assets per employee ($millions) | 6.9028% | 931 |
| Cash dividends to net income (ytd only)* | 68.2819% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 3,201 |
| Loan loss allowance to noncurrent loans | 795.7983% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,017 |
| Noncurrent loans to loans | 0.1569% | 4,854 |
| Net loans and leases to total assets | 87.9743% | 118 |
| Net loans and leases to deposits | 105.8107% | 347 |
| Net loans and leases to core deposits | 109.0676% | 902 |
| Total domestic deposits to total assets | 83.1431% | 3,843 |
| Equity capital to assets | 10.4502% | 3,556 |
| Core capital (leverage) ratio | 10.2201% | 3,293 |
| Tier 1 risk-based capital ratio | 11.4396% | 5,261 |
| Total risk-based capital ratio | 12.6897% | 5,168 |
| Memoranda: | ||
| Average total assets | $256,406,500 | 2,488 |
| Average earning assets | $241,969,500 | 2,450 |
| Average equity | $26,505,500 | 2,629 |
| Average total loans | $226,967,500 | 1,938 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3699% | 1,999 |
| Cost of funding earning assets | 0.6546% | 1,049 |
| Net interest margin | 3.7152% | 2,694 |
| Noninterest income to average assets | 0.5055% | 3,287 |
| Noninterest expense to average assets | 2.0332% | 5,391 |
| Loan and lease loss provision to assets | 0.1419% | 1,673 |
| Net operating income to assets | 1.7586% | 518 |
| Return on assets (ROA) | 1.7586% | 537 |
| Pretax return on assets | 1.8504% | 723 |
| Return on Equity (ROE) | 17.3938% | 423 |
| Retained earnings to average equity (ytd only) | 5.1873% | 2,289 |
| Net charge-offs to loans | 0.0597% | 3,025 |
| Credit loss provision to net charge-offs | 264.7059% | 1,091 |
| Earnings coverage of net charge-offs (x) | 37.1765% | 1,241 |
| Efficiency ratio | 49.5301% | 5,777 |
| Assets per employee ($millions) | 6.9570% | 905 |
| Cash dividends to net income (ytd only)* | 70.1770% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 3,385 |
| Loan loss allowance to noncurrent loans | 1,046.3878% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 5,196 |
| Noncurrent loans to loans | 0.1162% | 5,029 |
| Net loans and leases to total assets | 86.8859% | 176 |
| Net loans and leases to deposits | 106.4761% | 343 |
| Net loans and leases to core deposits | 112.3980% | 749 |
| Total domestic deposits to total assets | 81.6013% | 4,306 |
| Equity capital to assets | 10.2253% | 3,713 |
| Core capital (leverage) ratio | 9.9453% | 3,583 |
| Tier 1 risk-based capital ratio | 11.1192% | 5,460 |
| Total risk-based capital ratio | 12.3305% | 5,383 |
| Memoranda: | ||
| Average total assets | $253,787,800 | 2,476 |
| Average earning assets | $240,442,400 | 2,421 |
| Average equity | $25,658,600 | 2,639 |
| Average total loans | $227,791,800 | 1,879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,966 |
| Cost of funding earning assets | 0.6525% | 1,078 |
| Net interest margin | 3.7332% | 2,636 |
| Noninterest income to average assets | 0.4882% | 3,455 |
| Noninterest expense to average assets | 2.0573% | 5,370 |
| Loan and lease loss provision to assets | 0.1424% | 1,556 |
| Net operating income to assets | 1.7420% | 577 |
| Return on assets (ROA) | 1.7420% | 599 |
| Pretax return on assets | 1.8359% | 829 |
| Return on Equity (ROE) | 17.2801% | 452 |
| Retained earnings to average equity (ytd only) | 4.9633% | 2,942 |
| Net charge-offs to loans | 0.0438% | 3,018 |
| Credit loss provision to net charge-offs | 360.0000% | 823 |
| Earnings coverage of net charge-offs (x) | 50.0254% | 1,054 |
| Efficiency ratio | 50.0000% | 5,777 |
| Assets per employee ($millions) | 6.7414% | 970 |
| Cash dividends to net income (ytd only)* | 71.2773% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 3,591 |
| Loan loss allowance to noncurrent loans | 730.0268% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 5,164 |
| Noncurrent loans to loans | 0.1657% | 4,989 |
| Net loans and leases to total assets | 89.1408% | 89 |
| Net loans and leases to deposits | 107.1966% | 326 |
| Net loans and leases to core deposits | 113.0917% | 706 |
| Total domestic deposits to total assets | 83.1564% | 3,750 |
| Equity capital to assets | 10.4077% | 3,699 |
| Core capital (leverage) ratio | 10.0070% | 3,617 |
| Tier 1 risk-based capital ratio | 11.2555% | 5,516 |
| Total risk-based capital ratio | 12.4877% | 5,426 |
| Memoranda: | ||
| Average total assets | $252,882,250 | 2,505 |
| Average earning assets | $240,288,000 | 2,438 |
| Average equity | $25,493,000 | 2,678 |
| Average total loans | $228,138,500 | 1,884 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 2,007 |
| Cost of funding earning assets | 0.6496% | 1,109 |
| Net interest margin | 3.7014% | 2,699 |
| Noninterest income to average assets | 0.4732% | 3,539 |
| Noninterest expense to average assets | 1.9990% | 5,533 |
| Loan and lease loss provision to assets | 0.1417% | 1,539 |
| Net operating income to assets | 1.7612% | 553 |
| Return on assets (ROA) | 1.7612% | 579 |
| Pretax return on assets | 1.8494% | 817 |
| Return on Equity (ROE) | 17.6577% | 436 |
| Retained earnings to average equity (ytd only) | 5.3913% | 2,607 |
| Net charge-offs to loans | 0.0628% | 2,479 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 35.1250% | 1,228 |
| Efficiency ratio | 49.1910% | 5,893 |
| Assets per employee ($millions) | 6.9469% | 845 |
| Cash dividends to net income (ytd only)* | 69.4680% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,099 |
| Loan loss allowance to noncurrent loans | 46.0115% | 5,114 |
| Noncurrent assets plus other real estate owned to assets | 2.2289% | 925 |
| Noncurrent loans to loans | 2.4912% | 899 |
| Net loans and leases to total assets | 88.4445% | 117 |
| Net loans and leases to deposits | 117.6390% | 126 |
| Net loans and leases to core deposits | 124.6088% | 361 |
| Total domestic deposits to total assets | 75.1830% | 5,688 |
| Equity capital to assets | 9.9881% | 4,056 |
| Core capital (leverage) ratio | 9.6721% | 4,039 |
| Tier 1 risk-based capital ratio | 10.7753% | 5,815 |
| Total risk-based capital ratio | 11.9300% | 5,789 |
| Memoranda: | ||
| Average total assets | $254,033,000 | 2,510 |
| Average earning assets | $241,365,330 | 2,448 |
| Average equity | $25,337,330 | 2,696 |
| Average total loans | $229,162,330 | 1,890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,172 |
| Cost of funding earning assets | 0.6562% | 1,072 |
| Net interest margin | 3.6208% | 2,925 |
| Noninterest income to average assets | 0.4514% | 3,628 |
| Noninterest expense to average assets | 2.0956% | 5,393 |
| Loan and lease loss provision to assets | 0.1426% | 1,434 |
| Net operating income to assets | 1.5792% | 736 |
| Return on assets (ROA) | 1.5792% | 771 |
| Pretax return on assets | 1.6568% | 1,143 |
| Return on Equity (ROE) | 15.8446% | 588 |
| Retained earnings to average equity (ytd only) | 5.5146% | 2,768 |
| Net charge-offs to loans | -0.0052% | 4,508 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7857% | 5,761 |
| Assets per employee ($millions) | 6.8271% | 929 |
| Cash dividends to net income (ytd only)* | 65.1956% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 4,326 |
| Loan loss allowance to noncurrent loans | 1,330.4569% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0859% | 5,598 |
| Noncurrent loans to loans | 0.0856% | 5,439 |
| Net loans and leases to total assets | 90.0651% | 51 |
| Net loans and leases to deposits | 116.1199% | 133 |
| Net loans and leases to core deposits | 122.8969% | 354 |
| Total domestic deposits to total assets | 77.5621% | 5,526 |
| Equity capital to assets | 10.0371% | 4,109 |
| Core capital (leverage) ratio | 9.8135% | 3,868 |
| Tier 1 risk-based capital ratio | 10.8865% | 5,858 |
| Total risk-based capital ratio | 12.0630% | 5,816 |
| Memoranda: | ||
| Average total assets | $252,531,000 | 2,541 |
| Average earning assets | $240,171,000 | 2,466 |
| Average equity | $25,169,500 | 2,729 |
| Average total loans | $228,758,000 | 1,882 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,344 |
| Cost of funding earning assets | 0.6569% | 1,362 |
| Net interest margin | 3.7080% | 2,982 |
| Noninterest income to average assets | 0.5250% | 3,325 |
| Noninterest expense to average assets | 2.0685% | 5,640 |
| Loan and lease loss provision to assets | 0.1483% | 1,774 |
| Net operating income to assets | 1.7294% | 541 |
| Return on assets (ROA) | 1.7294% | 555 |
| Pretax return on assets | 1.8155% | 768 |
| Return on Equity (ROE) | 17.2149% | 472 |
| Retained earnings to average equity (ytd only) | 4.9836% | 2,612 |
| Net charge-offs to loans | 0.0197% | 4,456 |
| Credit loss provision to net charge-offs | 837.2093% | 324 |
| Earnings coverage of net charge-offs (x) | 110.8372% | 479 |
| Efficiency ratio | 50.2759% | 6,078 |
| Assets per employee ($millions) | 5.7377% | 1,571 |
| Cash dividends to net income (ytd only)* | 71.0508% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 4,484 |
| Loan loss allowance to noncurrent loans | 926.0073% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 5,606 |
| Noncurrent loans to loans | 0.1201% | 5,417 |
| Net loans and leases to total assets | 89.0679% | 86 |
| Net loans and leases to deposits | 112.3301% | 187 |
| Net loans and leases to core deposits | 121.7323% | 373 |
| Total domestic deposits to total assets | 79.2912% | 5,187 |
| Equity capital to assets | 9.8967% | 4,237 |
| Core capital (leverage) ratio | 9.5988% | 4,100 |
| Tier 1 risk-based capital ratio | 10.6484% | 6,041 |
| Total risk-based capital ratio | 11.8013% | 6,022 |
| Memoranda: | ||
| Average total assets | $242,684,200 | 2,593 |
| Average earning assets | $229,560,000 | 2,525 |
| Average equity | $24,380,000 | 2,725 |
| Average total loans | $218,334,800 | 1,914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,282 |
| Cost of funding earning assets | 0.6529% | 1,446 |
| Net interest margin | 3.7306% | 2,895 |
| Noninterest income to average assets | 0.4889% | 3,624 |
| Noninterest expense to average assets | 2.0579% | 5,664 |
| Loan and lease loss provision to assets | 0.1498% | 1,662 |
| Net operating income to assets | 1.7210% | 591 |
| Return on assets (ROA) | 1.7210% | 615 |
| Pretax return on assets | 1.8076% | 880 |
| Return on Equity (ROE) | 17.0647% | 537 |
| Retained earnings to average equity (ytd only) | 5.3434% | 2,853 |
| Net charge-offs to loans | 0.0185% | 4,163 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 117.5638% | 505 |
| Efficiency ratio | 50.2142% | 6,092 |
| Assets per employee ($millions) | 5.6407% | 1,603 |
| Cash dividends to net income (ytd only)* | 68.6876% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 4,628 |
| Loan loss allowance to noncurrent loans | 379.4118% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 5,163 |
| Noncurrent loans to loans | 0.2971% | 5,015 |
| Net loans and leases to total assets | 88.6490% | 86 |
| Net loans and leases to deposits | 119.5500% | 102 |
| Net loans and leases to core deposits | 127.0047% | 268 |
| Total domestic deposits to total assets | 74.1522% | 6,004 |
| Equity capital to assets | 10.2016% | 3,931 |
| Core capital (leverage) ratio | 9.6752% | 4,120 |
| Tier 1 risk-based capital ratio | 11.0065% | 5,988 |
| Total risk-based capital ratio | 12.1762% | 5,981 |
| Memoranda: | ||
| Average total assets | $240,240,750 | 2,626 |
| Average earning assets | $227,090,500 | 2,565 |
| Average equity | $24,228,750 | 2,743 |
| Average total loans | $216,071,750 | 1,943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,404 |
| Cost of funding earning assets | 0.6437% | 1,558 |
| Net interest margin | 3.7018% | 2,957 |
| Noninterest income to average assets | 0.4259% | 4,049 |
| Noninterest expense to average assets | 1.9911% | 5,850 |
| Loan and lease loss provision to assets | 0.1503% | 1,640 |
| Net operating income to assets | 1.6996% | 579 |
| Return on assets (ROA) | 1.6996% | 605 |
| Pretax return on assets | 1.7856% | 869 |
| Return on Equity (ROE) | 16.9182% | 561 |
| Retained earnings to average equity (ytd only) | 5.2459% | 2,803 |
| Net charge-offs to loans | 0.0121% | 4,006 |
| Credit loss provision to net charge-offs | 1,384.6154% | 261 |
| Earnings coverage of net charge-offs (x) | 178.3077% | 353 |
| Efficiency ratio | 49.6385% | 6,191 |
| Assets per employee ($millions) | 5.5474% | 1,657 |
| Cash dividends to net income (ytd only)* | 68.9926% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 4,902 |
| Loan loss allowance to noncurrent loans | 307.2351% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 5,081 |
| Noncurrent loans to loans | 0.3584% | 4,919 |
| Net loans and leases to total assets | 89.5481% | 61 |
| Net loans and leases to deposits | 116.6320% | 114 |
| Net loans and leases to core deposits | 131.5612% | 216 |
| Total domestic deposits to total assets | 76.7783% | 5,815 |
| Equity capital to assets | 10.2281% | 3,790 |
| Core capital (leverage) ratio | 9.6661% | 4,090 |
| Tier 1 risk-based capital ratio | 10.9561% | 6,066 |
| Total risk-based capital ratio | 12.1040% | 6,056 |
| Memoranda: | ||
| Average total assets | $239,470,670 | 2,641 |
| Average earning assets | $226,486,330 | 2,576 |
| Average equity | $24,057,000 | 2,752 |
| Average total loans | $215,605,670 | 1,936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,559 |
| Cost of funding earning assets | 0.6360% | 1,681 |
| Net interest margin | 3.6554% | 3,038 |
| Noninterest income to average assets | 0.4234% | 4,001 |
| Noninterest expense to average assets | 2.0539% | 5,780 |
| Loan and lease loss provision to assets | 0.1500% | 1,613 |
| Net operating income to assets | 1.5904% | 678 |
| Return on assets (ROA) | 1.5904% | 708 |
| Pretax return on assets | 1.6688% | 1,034 |
| Return on Equity (ROE) | 15.9756% | 642 |
| Retained earnings to average equity (ytd only) | 5.0907% | 3,068 |
| Net charge-offs to loans | 0.0260% | 3,052 |
| Credit loss provision to net charge-offs | 642.8571% | 441 |
| Earnings coverage of net charge-offs (x) | 77.9286% | 552 |
| Efficiency ratio | 52.0017% | 6,140 |
| Assets per employee ($millions) | 5.5030% | 1,707 |
| Cash dividends to net income (ytd only)* | 68.1342% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,205 |
| Loan loss allowance to noncurrent loans | 708.0495% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 5,845 |
| Noncurrent loans to loans | 0.1525% | 5,627 |
| Net loans and leases to total assets | 88.5277% | 70 |
| Net loans and leases to deposits | 109.7372% | 158 |
| Net loans and leases to core deposits | 116.3251% | 403 |
| Total domestic deposits to total assets | 80.6724% | 5,327 |
| Equity capital to assets | 10.1639% | 3,646 |
| Core capital (leverage) ratio | 9.4515% | 4,347 |
| Tier 1 risk-based capital ratio | 10.9017% | 6,190 |
| Total risk-based capital ratio | 12.0177% | 6,211 |
| Memoranda: | ||
| Average total assets | $239,936,000 | 2,646 |
| Average earning assets | $226,407,500 | 2,590 |
| Average equity | $23,886,500 | 2,767 |
| Average total loans | $215,415,500 | 1,929 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,462 |
| Cost of funding earning assets | 0.6833% | 1,934 |
| Net interest margin | 3.7493% | 2,852 |
| Noninterest income to average assets | 0.5451% | 3,437 |
| Noninterest expense to average assets | 2.1483% | 5,734 |
| Loan and lease loss provision to assets | 0.1560% | 2,324 |
| Net operating income to assets | 1.6860% | 595 |
| Return on assets (ROA) | 1.6860% | 606 |
| Pretax return on assets | 1.7692% | 814 |
| Return on Equity (ROE) | 16.7310% | 535 |
| Retained earnings to average equity (ytd only) | 4.1021% | 3,259 |
| Net charge-offs to loans | 0.0413% | 4,641 |
| Credit loss provision to net charge-offs | 428.5714% | 534 |
| Earnings coverage of net charge-offs (x) | 52.8929% | 761 |
| Efficiency ratio | 51.5690% | 6,331 |
| Assets per employee ($millions) | 5.6568% | 1,508 |
| Cash dividends to net income (ytd only)* | 75.4819% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 5,516 |
| Loan loss allowance to noncurrent loans | 1,474.0000% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 6,179 |
| Noncurrent loans to loans | 0.0685% | 6,014 |
| Net loans and leases to total assets | 89.1499% | 57 |
| Net loans and leases to deposits | 116.2692% | 92 |
| Net loans and leases to core deposits | 123.4228% | 280 |
| Total domestic deposits to total assets | 76.6754% | 6,030 |
| Equity capital to assets | 9.7525% | 4,100 |
| Core capital (leverage) ratio | 9.4438% | 4,349 |
| Tier 1 risk-based capital ratio | 10.0129% | 6,516 |
| Total risk-based capital ratio | 11.0184% | 6,533 |
| Memoranda: | ||
| Average total assets | $230,782,800 | 2,713 |
| Average earning assets | $217,186,800 | 2,652 |
| Average equity | $23,256,200 | 2,795 |
| Average total loans | $203,213,600 | 1,981 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 2,367 |
| Cost of funding earning assets | 0.6589% | 2,282 |
| Net interest margin | 3.8061% | 2,617 |
| Noninterest income to average assets | 0.5159% | 3,700 |
| Noninterest expense to average assets | 2.2061% | 5,595 |
| Loan and lease loss provision to assets | 0.1581% | 2,287 |
| Net operating income to assets | 1.6445% | 692 |
| Return on assets (ROA) | 1.6445% | 730 |
| Pretax return on assets | 1.7276% | 1,040 |
| Return on Equity (ROE) | 16.1796% | 628 |
| Retained earnings to average equity (ytd only) | 3.6473% | 4,100 |
| Net charge-offs to loans | 0.0602% | 4,046 |
| Credit loss provision to net charge-offs | 300.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 35.7769% | 1,086 |
| Efficiency ratio | 52.6979% | 6,207 |
| Assets per employee ($millions) | 5.3557% | 1,786 |
| Cash dividends to net income (ytd only)* | 77.4573% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 5,555 |
| Loan loss allowance to noncurrent loans | 1,410.0000% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 6,237 |
| Noncurrent loans to loans | 0.0738% | 6,117 |
| Net loans and leases to total assets | 87.3679% | 99 |
| Net loans and leases to deposits | 109.1194% | 166 |
| Net loans and leases to core deposits | 115.9137% | 394 |
| Total domestic deposits to total assets | 80.0663% | 5,495 |
| Equity capital to assets | 10.1709% | 3,676 |
| Core capital (leverage) ratio | 9.3722% | 4,573 |
| Tier 1 risk-based capital ratio | 10.5259% | 6,443 |
| Total risk-based capital ratio | 11.5539% | 6,474 |
| Memoranda: | ||
| Average total assets | $227,668,250 | 2,764 |
| Average earning assets | $213,899,000 | 2,696 |
| Average equity | $23,139,750 | 2,835 |
| Average total loans | $199,252,000 | 2,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4138% | 2,513 |
| Cost of funding earning assets | 0.6993% | 2,066 |
| Net interest margin | 3.7145% | 2,903 |
| Noninterest income to average assets | 0.4462% | 4,192 |
| Noninterest expense to average assets | 2.1676% | 5,707 |
| Loan and lease loss provision to assets | 0.1587% | 2,339 |
| Net operating income to assets | 1.5327% | 846 |
| Return on assets (ROA) | 1.5327% | 913 |
| Pretax return on assets | 1.6094% | 1,342 |
| Return on Equity (ROE) | 15.0833% | 797 |
| Retained earnings to average equity (ytd only) | 2.4994% | 4,708 |
| Net charge-offs to loans | 0.0505% | 3,965 |
| Credit loss provision to net charge-offs | 360.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 40.1000% | 924 |
| Efficiency ratio | 53.7531% | 6,164 |
| Assets per employee ($millions) | 5.4405% | 1,642 |
| Cash dividends to net income (ytd only)* | 83.4292% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 5,843 |
| Loan loss allowance to noncurrent loans | 1,221.8935% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 6,275 |
| Noncurrent loans to loans | 0.0814% | 6,151 |
| Net loans and leases to total assets | 87.8153% | 96 |
| Net loans and leases to deposits | 120.7701% | 66 |
| Net loans and leases to core deposits | 121.3666% | 296 |
| Total domestic deposits to total assets | 72.7128% | 6,517 |
| Equity capital to assets | 9.8717% | 4,092 |
| Core capital (leverage) ratio | 9.3130% | 4,519 |
| Tier 1 risk-based capital ratio | 10.5159% | 6,498 |
| Total risk-based capital ratio | 11.5361% | 6,542 |
| Memoranda: | ||
| Average total assets | $226,793,000 | 2,776 |
| Average earning assets | $213,059,330 | 2,705 |
| Average equity | $23,045,330 | 2,863 |
| Average total loans | $197,896,670 | 2,025 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3223% | 2,798 |
| Cost of funding earning assets | 0.7274% | 2,008 |
| Net interest margin | 3.5949% | 3,287 |
| Noninterest income to average assets | 0.4731% | 3,970 |
| Noninterest expense to average assets | 2.2489% | 5,569 |
| Loan and lease loss provision to assets | 0.1613% | 2,258 |
| Net operating income to assets | 1.3583% | 1,132 |
| Return on assets (ROA) | 1.3583% | 1,224 |
| Pretax return on assets | 1.4282% | 1,773 |
| Return on Equity (ROE) | 13.1706% | 1,124 |
| Retained earnings to average equity (ytd only) | 3.6141% | 4,073 |
| Net charge-offs to loans | 0.1056% | 2,816 |
| Credit loss provision to net charge-offs | 176.4706% | 1,201 |
| Earnings coverage of net charge-offs (x) | 17.3922% | 1,321 |
| Efficiency ratio | 57.3763% | 5,914 |
| Assets per employee ($millions) | 5.1426% | 2,045 |
| Cash dividends to net income (ytd only)* | 72.5594% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,854 |
| Loan loss allowance to noncurrent loans | 1,273.5484% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 6,379 |
| Noncurrent loans to loans | 0.0813% | 6,241 |
| Net loans and leases to total assets | 85.3006% | 148 |
| Net loans and leases to deposits | 105.7866% | 201 |
| Net loans and leases to core deposits | 106.2837% | 629 |
| Total domestic deposits to total assets | 80.6346% | 5,588 |
| Equity capital to assets | 10.4544% | 3,593 |
| Core capital (leverage) ratio | 9.7536% | 3,726 |
| Tier 1 risk-based capital ratio | 11.4166% | 6,230 |
| Total risk-based capital ratio | 12.4799% | 6,277 |
| Memoranda: | ||
| Average total assets | $223,219,000 | 2,842 |
| Average earning assets | $208,964,000 | 2,789 |
| Average equity | $23,021,000 | 2,916 |
| Average total loans | $193,094,500 | 2,081 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 1,918 |
| Cost of funding earning assets | 0.9322% | 1,750 |
| Net interest margin | 3.9449% | 2,629 |
| Noninterest income to average assets | 0.5748% | 3,418 |
| Noninterest expense to average assets | 2.2548% | 5,802 |
| Loan and lease loss provision to assets | 0.1665% | 3,530 |
| Net operating income to assets | 1.7397% | 569 |
| Return on assets (ROA) | 1.7406% | 630 |
| Pretax return on assets | 1.8302% | 870 |
| Return on Equity (ROE) | 17.5540% | 478 |
| Retained earnings to average equity (ytd only) | 4.9625% | 2,729 |
| Net charge-offs to loans | -0.0023% | 6,332 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0677% | 6,456 |
| Assets per employee ($millions) | 6.2585% | 1,132 |
| Cash dividends to net income (ytd only)* | 71.7300% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,000 |
| Loan loss allowance to noncurrent loans | 1,045.9459% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 6,392 |
| Noncurrent loans to loans | 0.0946% | 6,251 |
| Net loans and leases to total assets | 85.9512% | 129 |
| Net loans and leases to deposits | 110.6860% | 147 |
| Net loans and leases to core deposits | 111.2149% | 496 |
| Total domestic deposits to total assets | 77.6532% | 6,132 |
| Equity capital to assets | 10.1746% | 3,923 |
| Core capital (leverage) ratio | 9.5998% | 3,965 |
| Tier 1 risk-based capital ratio | 10.9835% | 6,350 |
| Total risk-based capital ratio | 11.9948% | 6,422 |
| Memoranda: | ||
| Average total assets | $204,234,600 | 2,995 |
| Average earning assets | $190,296,200 | 2,952 |
| Average equity | $20,251,800 | 3,174 |
| Average total loans | $177,509,600 | 2,235 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 1,824 |
| Cost of funding earning assets | 0.9855% | 1,650 |
| Net interest margin | 3.9664% | 2,642 |
| Noninterest income to average assets | 0.4490% | 4,300 |
| Noninterest expense to average assets | 2.2094% | 5,931 |
| Loan and lease loss provision to assets | 0.1675% | 3,441 |
| Net operating income to assets | 1.6874% | 698 |
| Return on assets (ROA) | 1.6887% | 775 |
| Pretax return on assets | 1.7738% | 1,110 |
| Return on Equity (ROE) | 17.1567% | 589 |
| Retained earnings to average equity (ytd only) | 4.5615% | 3,690 |
| Net charge-offs to loans | -0.0085% | 6,339 |
| Credit loss provision to net charge-offs | -2,272.7273% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4225% | 6,417 |
| Assets per employee ($millions) | 5.0641% | 2,100 |
| Cash dividends to net income (ytd only)* | 73.4128% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,024 |
| Loan loss allowance to noncurrent loans | 826.7857% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,469 |
| Noncurrent loans to loans | 0.1227% | 6,302 |
| Net loans and leases to total assets | 82.9625% | 279 |
| Net loans and leases to deposits | 105.2486% | 254 |
| Net loans and leases to core deposits | 105.6054% | 762 |
| Total domestic deposits to total assets | 78.8253% | 5,914 |
| Equity capital to assets | 10.3727% | 3,984 |
| Core capital (leverage) ratio | 9.7337% | 3,898 |
| Tier 1 risk-based capital ratio | 11.5884% | 6,175 |
| Total risk-based capital ratio | 12.6279% | 6,269 |
| Memoranda: | ||
| Average total assets | $198,966,500 | 3,093 |
| Average earning assets | $185,619,250 | 3,044 |
| Average equity | $19,583,750 | 3,283 |
| Average total loans | $172,989,750 | 2,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 2,087 |
| Cost of funding earning assets | 1.0061% | 1,733 |
| Net interest margin | 3.8994% | 2,908 |
| Noninterest income to average assets | 0.3539% | 5,004 |
| Noninterest expense to average assets | 2.2127% | 5,962 |
| Loan and lease loss provision to assets | 0.1661% | 3,448 |
| Net operating income to assets | 1.5517% | 905 |
| Return on assets (ROA) | 1.5537% | 1,011 |
| Pretax return on assets | 1.6336% | 1,439 |
| Return on Equity (ROE) | 16.1118% | 756 |
| Retained earnings to average equity (ytd only) | 4.2728% | 3,767 |
| Net charge-offs to loans | -0.0118% | 6,308 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8395% | 6,242 |
| Assets per employee ($millions) | 4.7777% | 2,468 |
| Cash dividends to net income (ytd only)* | 73.4803% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,330 |
| Loan loss allowance to noncurrent loans | 1,048.2143% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 6,594 |
| Noncurrent loans to loans | 0.0906% | 6,436 |
| Net loans and leases to total assets | 87.4088% | 97 |
| Net loans and leases to deposits | 113.8547% | 103 |
| Net loans and leases to core deposits | 114.2639% | 440 |
| Total domestic deposits to total assets | 76.7722% | 6,365 |
| Equity capital to assets | 10.6090% | 3,561 |
| Core capital (leverage) ratio | 10.3988% | 2,920 |
| Tier 1 risk-based capital ratio | 11.5708% | 6,181 |
| Total risk-based capital ratio | 12.5391% | 6,322 |
| Memoranda: | ||
| Average total assets | $192,703,670 | 3,185 |
| Average earning assets | $180,694,670 | 3,121 |
| Average equity | $18,582,670 | 3,413 |
| Average total loans | $169,817,330 | 2,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8396% | 2,488 |
| Cost of funding earning assets | 1.0395% | 1,751 |
| Net interest margin | 3.8000% | 3,395 |
| Noninterest income to average assets | 0.3740% | 4,870 |
| Noninterest expense to average assets | 2.1854% | 6,079 |
| Loan and lease loss provision to assets | 0.1522% | 3,472 |
| Net operating income to assets | 1.5374% | 962 |
| Return on assets (ROA) | 1.5374% | 1,082 |
| Pretax return on assets | 1.6135% | 1,528 |
| Return on Equity (ROE) | 16.9108% | 686 |
| Retained earnings to average equity (ytd only) | 4.9513% | 3,585 |
| Net charge-offs to loans | -0.0222% | 6,214 |
| Credit loss provision to net charge-offs | -777.7778% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9257% | 6,237 |
| Assets per employee ($millions) | 5.2825% | 1,905 |
| Cash dividends to net income (ytd only)* | 70.7214% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,144 |
| Loan loss allowance to noncurrent loans | 988.1657% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 6,560 |
| Noncurrent loans to loans | 0.1044% | 6,499 |
| Net loans and leases to total assets | 86.6796% | 102 |
| Net loans and leases to deposits | 112.6243% | 108 |
| Net loans and leases to core deposits | 113.3925% | 442 |
| Total domestic deposits to total assets | 76.9635% | 6,410 |
| Equity capital to assets | 9.1103% | 5,342 |
| Core capital (leverage) ratio | 8.9222% | 4,959 |
| Tier 1 risk-based capital ratio | 10.1429% | 6,847 |
| Total risk-based capital ratio | 11.1911% | 6,894 |
| Memoranda: | ||
| Average total assets | $183,946,500 | 3,320 |
| Average earning assets | $173,156,000 | 3,247 |
| Average equity | $16,723,000 | 3,687 |
| Average total loans | $161,971,000 | 2,455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9654% | 3,049 |
| Cost of funding earning assets | 1.2521% | 1,725 |
| Net interest margin | 3.7133% | 4,242 |
| Noninterest income to average assets | 0.4625% | 4,115 |
| Noninterest expense to average assets | 2.1479% | 6,386 |
| Loan and lease loss provision to assets | 0.1370% | 4,906 |
| Net operating income to assets | 1.5907% | 677 |
| Return on assets (ROA) | 1.5907% | 738 |
| Pretax return on assets | 1.6723% | 1,054 |
| Return on Equity (ROE) | 17.2925% | 446 |
| Retained earnings to average equity (ytd only) | 5.1890% | 2,513 |
| Net charge-offs to loans | 0.0661% | 5,645 |
| Credit loss provision to net charge-offs | 244.8980% | 989 |
| Earnings coverage of net charge-offs (x) | 32.3367% | 795 |
| Efficiency ratio | 53.8883% | 6,522 |
| Assets per employee ($millions) | 5.2287% | 1,909 |
| Cash dividends to net income (ytd only)* | 69.9928% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 6,295 |
| Loan loss allowance to noncurrent loans | 500.3145% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 6,501 |
| Noncurrent loans to loans | 0.1963% | 6,355 |
| Net loans and leases to total assets | 87.6593% | 84 |
| Net loans and leases to deposits | 114.2877% | 116 |
| Net loans and leases to core deposits | 115.4508% | 455 |
| Total domestic deposits to total assets | 76.7005% | 6,379 |
| Equity capital to assets | 9.0719% | 5,461 |
| Core capital (leverage) ratio | 8.6765% | 5,285 |
| Tier 1 risk-based capital ratio | 9.9111% | 6,872 |
| Total risk-based capital ratio | 10.9031% | 6,924 |
| Memoranda: | ||
| Average total assets | $175,144,600 | 3,410 |
| Average earning assets | $164,841,400 | 3,324 |
| Average equity | $16,111,000 | 3,707 |
| Average total loans | $148,218,400 | 2,667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 3,155 |
| Cost of funding earning assets | 1.2930% | 1,740 |
| Net interest margin | 3.6934% | 4,368 |
| Noninterest income to average assets | 0.4542% | 4,265 |
| Noninterest expense to average assets | 2.1634% | 6,362 |
| Loan and lease loss provision to assets | 0.1386% | 4,706 |
| Net operating income to assets | 1.5506% | 848 |
| Return on assets (ROA) | 1.5506% | 923 |
| Pretax return on assets | 1.6314% | 1,301 |
| Return on Equity (ROE) | 16.7953% | 592 |
| Retained earnings to average equity (ytd only) | 5.5373% | 2,836 |
| Net charge-offs to loans | 0.0654% | 5,307 |
| Credit loss provision to net charge-offs | 253.5211% | 1,130 |
| Earnings coverage of net charge-offs (x) | 32.3818% | 883 |
| Efficiency ratio | 54.6095% | 6,430 |
| Assets per employee ($millions) | 5.3623% | 1,744 |
| Cash dividends to net income (ytd only)* | 67.0309% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 6,234 |
| Loan loss allowance to noncurrent loans | 203.9267% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,995 |
| Noncurrent loans to loans | 0.4932% | 5,860 |
| Net loans and leases to total assets | 86.6679% | 114 |
| Net loans and leases to deposits | 113.9973% | 130 |
| Net loans and leases to core deposits | 115.6173% | 510 |
| Total domestic deposits to total assets | 76.0262% | 6,532 |
| Equity capital to assets | 9.3012% | 5,381 |
| Core capital (leverage) ratio | 8.9880% | 4,953 |
| Tier 1 risk-based capital ratio | 10.3019% | 6,858 |
| Total risk-based capital ratio | 11.3199% | 6,925 |
| Memoranda: | ||
| Average total assets | $173,179,750 | 3,460 |
| Average earning assets | $163,132,000 | 3,367 |
| Average equity | $15,988,250 | 3,741 |
| Average total loans | $144,770,250 | 2,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 3,522 |
| Cost of funding earning assets | 1.3256% | 1,794 |
| Net interest margin | 3.5968% | 4,733 |
| Noninterest income to average assets | 0.3711% | 4,898 |
| Noninterest expense to average assets | 2.1964% | 6,393 |
| Loan and lease loss provision to assets | 0.1396% | 4,559 |
| Net operating income to assets | 1.3564% | 1,183 |
| Return on assets (ROA) | 1.3564% | 1,251 |
| Pretax return on assets | 1.4251% | 1,743 |
| Return on Equity (ROE) | 14.7303% | 850 |
| Retained earnings to average equity (ytd only) | 4.3079% | 3,451 |
| Net charge-offs to loans | 0.0820% | 4,821 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 23.1897% | 1,094 |
| Efficiency ratio | 57.9957% | 6,161 |
| Assets per employee ($millions) | 4.9519% | 2,197 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,274 |
| Loan loss allowance to noncurrent loans | 219.3033% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 6,055 |
| Noncurrent loans to loans | 0.4626% | 5,985 |
| Net loans and leases to total assets | 85.0636% | 177 |
| Net loans and leases to deposits | 112.1885% | 152 |
| Net loans and leases to core deposits | 114.8193% | 555 |
| Total domestic deposits to total assets | 75.8221% | 6,622 |
| Equity capital to assets | 9.2537% | 5,200 |
| Core capital (leverage) ratio | 8.9015% | 4,875 |
| Tier 1 risk-based capital ratio | 10.5452% | 6,775 |
| Total risk-based capital ratio | 11.5773% | 6,853 |
| Memoranda: | ||
| Average total assets | $171,921,000 | 3,499 |
| Average earning assets | $162,034,670 | 3,404 |
| Average equity | $15,831,330 | 3,762 |
| Average total loans | $141,386,330 | 2,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 3,869 |
| Cost of funding earning assets | 1.3687% | 1,776 |
| Net interest margin | 3.4712% | 5,140 |
| Noninterest income to average assets | 0.3107% | 5,445 |
| Noninterest expense to average assets | 2.2287% | 6,361 |
| Loan and lease loss provision to assets | 0.1402% | 4,252 |
| Net operating income to assets | 1.1564% | 1,639 |
| Return on assets (ROA) | 1.1564% | 1,691 |
| Pretax return on assets | 1.2124% | 2,328 |
| Return on Equity (ROE) | 12.5890% | 1,303 |
| Retained earnings to average equity (ytd only) | 3.6877% | 3,964 |
| Net charge-offs to loans | -0.0087% | 6,334 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7743% | 5,715 |
| Assets per employee ($millions) | 4.9713% | 2,207 |
| Cash dividends to net income (ytd only)* | 70.7071% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 6,110 |
| Loan loss allowance to noncurrent loans | 220.7299% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 6,131 |
| Noncurrent loans to loans | 0.4910% | 6,033 |
| Net loans and leases to total assets | 79.3166% | 588 |
| Net loans and leases to deposits | 104.2152% | 307 |
| Net loans and leases to core deposits | 105.9173% | 943 |
| Total domestic deposits to total assets | 76.1085% | 6,655 |
| Equity capital to assets | 9.0750% | 5,086 |
| Core capital (leverage) ratio | 8.7611% | 4,983 |
| Tier 1 risk-based capital ratio | 10.9378% | 6,550 |
| Total risk-based capital ratio | 12.0234% | 6,637 |
| Memoranda: | ||
| Average total assets | $171,224,000 | 3,536 |
| Average earning assets | $161,325,500 | 3,436 |
| Average equity | $15,728,000 | 3,768 |
| Average total loans | $137,610,000 | 2,933 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 1,758 |
| Cost of funding earning assets | 1.6047% | 2,049 |
| Net interest margin | 4.0414% | 2,834 |
| Noninterest income to average assets | 0.5149% | 4,059 |
| Noninterest expense to average assets | 2.2748% | 6,424 |
| Loan and lease loss provision to assets | 0.1410% | 5,774 |
| Net operating income to assets | 1.8114% | 405 |
| Return on assets (ROA) | 1.8114% | 439 |
| Pretax return on assets | 1.9015% | 606 |
| Return on Equity (ROE) | 19.2860% | 294 |
| Retained earnings to average equity (ytd only) | 5.0907% | 2,360 |
| Net charge-offs to loans | 0.0940% | 5,902 |
| Credit loss provision to net charge-offs | 176.9231% | 1,880 |
| Earnings coverage of net charge-offs (x) | 25.6308% | 834 |
| Efficiency ratio | 52.3073% | 6,966 |
| Assets per employee ($millions) | 4.8129% | 2,405 |
| Cash dividends to net income (ytd only)* | 73.6041% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,085 |
| Loan loss allowance to noncurrent loans | 223.6111% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4239% | 6,217 |
| Noncurrent loans to loans | 0.4775% | 6,082 |
| Net loans and leases to total assets | 79.6970% | 702 |
| Net loans and leases to deposits | 105.6695% | 338 |
| Net loans and leases to core deposits | 107.5935% | 1,085 |
| Total domestic deposits to total assets | 75.4210% | 6,707 |
| Equity capital to assets | 9.2999% | 4,692 |
| Core capital (leverage) ratio | 8.6788% | 5,057 |
| Tier 1 risk-based capital ratio | 11.0894% | 6,259 |
| Total risk-based capital ratio | 12.1546% | 6,381 |
| Memoranda: | ||
| Average total assets | $163,135,400 | 3,643 |
| Average earning assets | $153,486,000 | 3,584 |
| Average equity | $15,322,000 | 3,884 |
| Average total loans | $138,270,000 | 2,980 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 1,392 |
| Cost of funding earning assets | 1.6227% | 2,265 |
| Net interest margin | 4.1787% | 2,296 |
| Noninterest income to average assets | 0.4483% | 4,574 |
| Noninterest expense to average assets | 2.2800% | 6,386 |
| Loan and lease loss provision to assets | 0.1401% | 5,630 |
| Net operating income to assets | 1.8689% | 437 |
| Return on assets (ROA) | 1.8689% | 485 |
| Pretax return on assets | 1.9644% | 671 |
| Return on Equity (ROE) | 19.8472% | 315 |
| Retained earnings to average equity (ytd only) | 4.7518% | 3,157 |
| Net charge-offs to loans | -0.0336% | 7,418 |
| Credit loss provision to net charge-offs | -485.7143% | 7,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6256% | 7,018 |
| Assets per employee ($millions) | 4.7601% | 2,507 |
| Cash dividends to net income (ytd only)* | 76.0582% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,905 |
| Loan loss allowance to noncurrent loans | 162.7225% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 6,005 |
| Noncurrent loans to loans | 0.6815% | 5,840 |
| Net loans and leases to total assets | 83.1841% | 395 |
| Net loans and leases to deposits | 112.7245% | 207 |
| Net loans and leases to core deposits | 114.6957% | 809 |
| Total domestic deposits to total assets | 73.7941% | 6,947 |
| Equity capital to assets | 9.3533% | 5,046 |
| Core capital (leverage) ratio | 9.1202% | 4,498 |
| Tier 1 risk-based capital ratio | 9.2049% | 7,326 |
| Total risk-based capital ratio | 10.1686% | 7,394 |
| Memoranda: | ||
| Average total assets | $161,806,000 | 3,722 |
| Average earning assets | $152,419,500 | 3,650 |
| Average equity | $15,236,000 | 3,945 |
| Average total loans | $138,912,250 | 3,006 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8328% | 1,339 |
| Cost of funding earning assets | 1.6295% | 2,484 |
| Net interest margin | 4.2032% | 2,147 |
| Noninterest income to average assets | 0.4257% | 4,708 |
| Noninterest expense to average assets | 2.2783% | 6,412 |
| Loan and lease loss provision to assets | 0.1373% | 5,517 |
| Net operating income to assets | 1.8926% | 402 |
| Return on assets (ROA) | 1.8926% | 448 |
| Pretax return on assets | 1.9837% | 617 |
| Return on Equity (ROE) | 20.0525% | 318 |
| Retained earnings to average equity (ytd only) | 5.1718% | 2,805 |
| Net charge-offs to loans | -0.0390% | 7,407 |
| Credit loss provision to net charge-offs | -407.4074% | 6,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4188% | 7,123 |
| Assets per employee ($millions) | 4.6523% | 2,644 |
| Cash dividends to net income (ytd only)* | 74.2084% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 6,263 |
| Loan loss allowance to noncurrent loans | 149.0471% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 5,960 |
| Noncurrent loans to loans | 0.6920% | 5,862 |
| Net loans and leases to total assets | 87.5650% | 149 |
| Net loans and leases to deposits | 124.4288% | 95 |
| Net loans and leases to core deposits | 127.4348% | 474 |
| Total domestic deposits to total assets | 70.3736% | 7,305 |
| Equity capital to assets | 9.4822% | 4,728 |
| Core capital (leverage) ratio | 8.9905% | 4,617 |
| Tier 1 risk-based capital ratio | 9.5029% | 7,261 |
| Total risk-based capital ratio | 10.4647% | 7,364 |
| Memoranda: | ||
| Average total assets | $160,206,670 | 3,787 |
| Average earning assets | $151,455,000 | 3,685 |
| Average equity | $15,120,330 | 3,968 |
| Average total loans | $138,502,330 | 3,043 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8248% | 1,389 |
| Cost of funding earning assets | 1.6372% | 2,726 |
| Net interest margin | 4.1875% | 2,093 |
| Noninterest income to average assets | 0.4103% | 4,814 |
| Noninterest expense to average assets | 2.3059% | 6,357 |
| Loan and lease loss provision to assets | 0.1259% | 5,317 |
| Net operating income to assets | 1.8452% | 455 |
| Return on assets (ROA) | 1.8452% | 500 |
| Pretax return on assets | 1.9384% | 683 |
| Return on Equity (ROE) | 19.5983% | 403 |
| Retained earnings to average equity (ytd only) | 4.8929% | 3,211 |
| Net charge-offs to loans | -0.0206% | 7,085 |
| Credit loss provision to net charge-offs | -714.2857% | 6,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3618% | 7,115 |
| Assets per employee ($millions) | 4.6219% | 2,761 |
| Cash dividends to net income (ytd only)* | 75.0341% | 938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,453 |
| Loan loss allowance to noncurrent loans | 223.8854% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 6,501 |
| Noncurrent loans to loans | 0.4478% | 6,406 |
| Net loans and leases to total assets | 85.8279% | 226 |
| Net loans and leases to deposits | 119.2606% | 146 |
| Net loans and leases to core deposits | 123.8279% | 651 |
| Total domestic deposits to total assets | 71.9666% | 7,269 |
| Equity capital to assets | 9.3690% | 4,724 |
| Core capital (leverage) ratio | 9.1515% | 4,298 |
| Tier 1 risk-based capital ratio | 9.6058% | 7,246 |
| Total risk-based capital ratio | 10.5393% | 7,394 |
| Memoranda: | ||
| Average total assets | $158,894,500 | 3,866 |
| Average earning assets | $150,255,000 | 3,751 |
| Average equity | $14,960,500 | 4,026 |
| Average total loans | $135,719,000 | 3,148 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0428% | 1,703 |
| Cost of funding earning assets | 1.9118% | 3,401 |
| Net interest margin | 4.1310% | 2,313 |
| Noninterest income to average assets | 0.3598% | 5,513 |
| Noninterest expense to average assets | 2.2326% | 6,911 |
| Loan and lease loss provision to assets | 0.0791% | 6,812 |
| Net operating income to assets | 1.8425% | 329 |
| Return on assets (ROA) | 1.8425% | 334 |
| Pretax return on assets | 1.9354% | 469 |
| Return on Equity (ROE) | 19.2814% | 281 |
| Retained earnings to average equity (ytd only) | 5.8617% | 1,405 |
| Net charge-offs to loans | 0.1659% | 5,628 |
| Credit loss provision to net charge-offs | 56.6038% | 6,676 |
| Earnings coverage of net charge-offs (x) | 14.4198% | 1,369 |
| Efficiency ratio | 52.1490% | 7,372 |
| Assets per employee ($millions) | 4.4577% | 2,995 |
| Cash dividends to net income (ytd only)* | 69.5994% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 6,225 |
| Loan loss allowance to noncurrent loans | 350.3896% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.2468% | 6,839 |
| Noncurrent loans to loans | 0.2935% | 6,691 |
| Net loans and leases to total assets | 83.2202% | 520 |
| Net loans and leases to deposits | 108.6426% | 434 |
| Net loans and leases to core deposits | 124.8711% | 1,582 |
| Total domestic deposits to total assets | 76.5999% | 6,566 |
| Equity capital to assets | 9.4635% | 4,470 |
| Core capital (leverage) ratio | 9.0955% | 4,268 |
| Tier 1 risk-based capital ratio | 9.9282% | 6,936 |
| Total risk-based capital ratio | 10.8660% | 7,126 |
| Memoranda: | ||
| Average total assets | $151,748,000 | 3,928 |
| Average earning assets | $142,799,000 | 3,842 |
| Average equity | $14,501,000 | 4,146 |
| Average total loans | $127,749,600 | 3,315 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0714% | 1,761 |
| Cost of funding earning assets | 1.9461% | 3,634 |
| Net interest margin | 4.1253% | 2,303 |
| Noninterest income to average assets | 0.2991% | 6,083 |
| Noninterest expense to average assets | 2.2528% | 6,829 |
| Loan and lease loss provision to assets | 0.0796% | 6,569 |
| Net operating income to assets | 1.7600% | 494 |
| Return on assets (ROA) | 1.7600% | 520 |
| Pretax return on assets | 1.8493% | 729 |
| Return on Equity (ROE) | 18.3715% | 421 |
| Retained earnings to average equity (ytd only) | 5.0154% | 2,483 |
| Net charge-offs to loans | 0.0883% | 5,804 |
| Credit loss provision to net charge-offs | 107.1429% | 4,745 |
| Earnings coverage of net charge-offs (x) | 25.9517% | 1,035 |
| Efficiency ratio | 53.4490% | 7,295 |
| Assets per employee ($millions) | 4.4079% | 3,017 |
| Cash dividends to net income (ytd only)* | 72.6999% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,593 |
| Loan loss allowance to noncurrent loans | 305.2743% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 6,720 |
| Noncurrent loans to loans | 0.3673% | 6,615 |
| Net loans and leases to total assets | 82.7057% | 711 |
| Net loans and leases to deposits | 110.9724% | 426 |
| Net loans and leases to core deposits | 130.5934% | 1,402 |
| Total domestic deposits to total assets | 74.5281% | 6,861 |
| Equity capital to assets | 9.4882% | 4,761 |
| Core capital (leverage) ratio | 9.2214% | 4,305 |
| Tier 1 risk-based capital ratio | 9.7899% | 7,144 |
| Total risk-based capital ratio | 10.8040% | 7,293 |
| Memoranda: | ||
| Average total assets | $150,679,750 | 3,969 |
| Average earning assets | $141,820,750 | 3,892 |
| Average equity | $14,435,000 | 4,202 |
| Average total loans | $126,889,500 | 3,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0672% | 1,912 |
| Cost of funding earning assets | 1.9646% | 3,943 |
| Net interest margin | 4.1026% | 2,311 |
| Noninterest income to average assets | 0.2756% | 6,293 |
| Noninterest expense to average assets | 2.2250% | 6,990 |
| Loan and lease loss provision to assets | 0.0803% | 6,385 |
| Net operating income to assets | 1.7487% | 515 |
| Return on assets (ROA) | 1.7487% | 558 |
| Pretax return on assets | 1.8343% | 795 |
| Return on Equity (ROE) | 18.1941% | 476 |
| Retained earnings to average equity (ytd only) | 4.8165% | 2,628 |
| Net charge-offs to loans | 0.0904% | 5,283 |
| Credit loss provision to net charge-offs | 105.2632% | 4,367 |
| Earnings coverage of net charge-offs (x) | 25.1053% | 1,130 |
| Efficiency ratio | 53.3290% | 7,401 |
| Assets per employee ($millions) | 4.2711% | 3,163 |
| Cash dividends to net income (ytd only)* | 73.5272% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,418 |
| Loan loss allowance to noncurrent loans | 231.0400% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 6,354 |
| Noncurrent loans to loans | 0.4871% | 6,307 |
| Net loans and leases to total assets | 84.8732% | 522 |
| Net loans and leases to deposits | 115.1062% | 357 |
| Net loans and leases to core deposits | 133.2028% | 1,356 |
| Total domestic deposits to total assets | 73.7347% | 6,990 |
| Equity capital to assets | 9.6154% | 4,472 |
| Core capital (leverage) ratio | 9.1833% | 4,326 |
| Tier 1 risk-based capital ratio | 9.6980% | 7,233 |
| Total risk-based capital ratio | 10.7153% | 7,375 |
| Memoranda: | ||
| Average total assets | $149,481,000 | 3,999 |
| Average earning assets | $140,789,000 | 3,928 |
| Average equity | $14,367,330 | 4,226 |
| Average total loans | $126,172,000 | 3,418 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0007% | 2,360 |
| Cost of funding earning assets | 1.9717% | 4,279 |
| Net interest margin | 4.0290% | 2,537 |
| Noninterest income to average assets | 0.3024% | 6,020 |
| Noninterest expense to average assets | 2.2612% | 6,656 |
| Loan and lease loss provision to assets | 0.0803% | 5,946 |
| Net operating income to assets | 1.6618% | 702 |
| Return on assets (ROA) | 1.6618% | 769 |
| Pretax return on assets | 1.7448% | 1,089 |
| Return on Equity (ROE) | 17.2932% | 659 |
| Retained earnings to average equity (ytd only) | 4.4556% | 3,443 |
| Net charge-offs to loans | 0.1311% | 3,911 |
| Credit loss provision to net charge-offs | 73.1707% | 4,294 |
| Earnings coverage of net charge-offs (x) | 16.6341% | 1,541 |
| Efficiency ratio | 54.9443% | 7,108 |
| Assets per employee ($millions) | 4.2993% | 3,078 |
| Cash dividends to net income (ytd only)* | 74.2351% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,279 |
| Loan loss allowance to noncurrent loans | 245.2830% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 6,311 |
| Noncurrent loans to loans | 0.4595% | 6,264 |
| Net loans and leases to total assets | 83.3669% | 792 |
| Net loans and leases to deposits | 114.0799% | 442 |
| Net loans and leases to core deposits | 129.3638% | 1,703 |
| Total domestic deposits to total assets | 73.0776% | 7,035 |
| Equity capital to assets | 9.5802% | 4,557 |
| Core capital (leverage) ratio | 9.2507% | 4,318 |
| Tier 1 risk-based capital ratio | 9.4935% | 7,426 |
| Total risk-based capital ratio | 10.4937% | 7,619 |
| Memoranda: | ||
| Average total assets | $149,476,500 | 4,021 |
| Average earning assets | $140,383,500 | 3,946 |
| Average equity | $14,364,000 | 4,252 |
| Average total loans | $125,097,500 | 3,457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7062% | 2,006 |
| Cost of funding earning assets | 2.5007% | 4,203 |
| Net interest margin | 4.2055% | 2,293 |
| Noninterest income to average assets | 0.6771% | 3,275 |
| Noninterest expense to average assets | 2.4431% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0522% | 317 |
| Return on assets (ROA) | 2.0935% | 279 |
| Pretax return on assets | 2.1983% | 401 |
| Return on Equity (ROE) | 21.8978% | 260 |
| Retained earnings to average equity (ytd only) | 5.1643% | 1,924 |
| Net charge-offs to loans | 0.0017% | 7,008 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 1,562.5000% | 21 |
| Efficiency ratio | 52.7445% | 7,409 |
| Assets per employee ($millions) | 4.2422% | 3,047 |
| Cash dividends to net income (ytd only)* | 76.4163% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,789 |
| Loan loss allowance to noncurrent loans | 242.5926% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 5,970 |
| Noncurrent loans to loans | 0.4817% | 5,900 |
| Net loans and leases to total assets | 82.0846% | 1,214 |
| Net loans and leases to deposits | 110.7199% | 790 |
| Net loans and leases to core deposits | 124.0809% | 2,319 |
| Total domestic deposits to total assets | 74.1372% | 6,637 |
| Equity capital to assets | 9.6393% | 4,499 |
| Core capital (leverage) ratio | 9.1893% | 4,460 |
| Tier 1 risk-based capital ratio | 9.5656% | 7,237 |
| Total risk-based capital ratio | 10.5938% | 7,401 |
| Memoranda: | ||
| Average total assets | $145,019,600 | 3,992 |
| Average earning assets | $135,202,600 | 3,947 |
| Average equity | $13,864,400 | 4,372 |
| Average total loans | $120,518,000 | 3,449 |