Home > Farmers Trust & Savings Bank > Performance and Condition Ratios
Farmers Trust & 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 | 5.5084% | 1,145 |
| Cost of funding earning assets | 1.0748% | 3,130 |
| Net interest margin | 4.4335% | 676 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.3709% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.1032% | 395 |
| Return on assets (ROA) | 2.1032% | 386 |
| Pretax return on assets | 2.2099% | 485 |
| Return on Equity (ROE) | 10.4500% | 2,372 |
| Retained earnings to average equity (ytd only) | 7.4064% | 1,751 |
| Net charge-offs to loans | 0.0145% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 222.8824% | 547 |
| Efficiency ratio | 51.7571% | 3,853 |
| Assets per employee ($millions) | 10.8087% | 561 |
| Cash dividends to net income (ytd only)* | 29.1181% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5372% | 4,309 |
| Loan loss allowance to noncurrent loans | 153.0752% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 1,943 |
| Noncurrent loans to loans | 0.3509% | 1,929 |
| Net loans and leases to total assets | 71.9500% | 1,588 |
| Net loans and leases to deposits | 93.2260% | 998 |
| Net loans and leases to core deposits | 97.4973% | 1,568 |
| Total domestic deposits to total assets | 77.1800% | 3,829 |
| Equity capital to assets | 20.9270% | 266 |
| Core capital (leverage) ratio | 21.3724% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $171,452,800 | 3,185 |
| Average earning assets | $161,699,800 | 3,155 |
| Average equity | $34,510,800 | 2,076 |
| Average total loans | $117,299,600 | 2,986 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 1,123 |
| Cost of funding earning assets | 0.9919% | 3,060 |
| Net interest margin | 4.4191% | 685 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 1.8088% | 3,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.6053% | 241 |
| Return on assets (ROA) | 2.6053% | 236 |
| Pretax return on assets | 2.7440% | 296 |
| Return on Equity (ROE) | 13.0700% | 1,879 |
| Retained earnings to average equity (ytd only) | 8.9680% | 1,696 |
| Net charge-offs to loans | 0.0104% | 2,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 391.2222% | 369 |
| Efficiency ratio | 39.7295% | 4,364 |
| Assets per employee ($millions) | 10.4982% | 574 |
| Cash dividends to net income (ytd only)* | 31.4089% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5786% | 4,295 |
| Loan loss allowance to noncurrent loans | 192.0904% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,206 |
| Noncurrent loans to loans | 0.3012% | 2,153 |
| Net loans and leases to total assets | 69.5600% | 1,881 |
| Net loans and leases to deposits | 89.4152% | 1,275 |
| Net loans and leases to core deposits | 93.5632% | 1,700 |
| Total domestic deposits to total assets | 77.7900% | 3,840 |
| Equity capital to assets | 20.7714% | 267 |
| Core capital (leverage) ratio | 21.9850% | 208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $171,081,250 | 3,196 |
| Average earning assets | $161,297,500 | 3,172 |
| Average equity | $34,090,750 | 2,080 |
| Average total loans | $115,350,000 | 3,006 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3306% | 1,041 |
| Cost of funding earning assets | 0.8880% | 2,966 |
| Net interest margin | 4.4426% | 662 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8185% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.7109% | 196 |
| Return on assets (ROA) | 2.7109% | 196 |
| Pretax return on assets | 2.7307% | 274 |
| Return on Equity (ROE) | 13.7900% | 1,727 |
| Retained earnings to average equity (ytd only) | 8.7688% | 1,744 |
| Net charge-offs to loans | 0.0140% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 293.7500% | 457 |
| Efficiency ratio | 39.9745% | 4,398 |
| Assets per employee ($millions) | 9.8002% | 705 |
| Cash dividends to net income (ytd only)* | 36.4338% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 4,309 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 1,778 |
| Noncurrent loans to loans | 0.4140% | 1,688 |
| Net loans and leases to total assets | 68.6000% | 1,900 |
| Net loans and leases to deposits | 88.3530% | 1,312 |
| Net loans and leases to core deposits | 92.4758% | 1,653 |
| Total domestic deposits to total assets | 77.6400% | 3,884 |
| Equity capital to assets | 20.8790% | 257 |
| Core capital (leverage) ratio | 21.1381% | 221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $172,118,000 | 3,201 |
| Average earning assets | $162,382,667 | 3,174 |
| Average equity | $33,824,333 | 2,107 |
| Average total loans | $114,627,667 | 3,007 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 1,053 |
| Cost of funding earning assets | 0.8407% | 2,568 |
| Net interest margin | 4.2881% | 822 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.7681% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5389% | 232 |
| Return on assets (ROA) | 2.5389% | 231 |
| Pretax return on assets | 2.6579% | 302 |
| Return on Equity (ROE) | 13.3200% | 1,921 |
| Retained earnings to average equity (ytd only) | 5.5182% | 2,882 |
| Net charge-offs to loans | 0.0140% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 290.5000% | 372 |
| Efficiency ratio | 39.9483% | 4,451 |
| Assets per employee ($millions) | 10.7425% | 558 |
| Cash dividends to net income (ytd only)* | 58.5586% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,372 |
| Loan loss allowance to noncurrent loans | 202.6627% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 2,162 |
| Noncurrent loans to loans | 0.2913% | 2,096 |
| Net loans and leases to total assets | 67.1000% | 1,938 |
| Net loans and leases to deposits | 85.3627% | 1,400 |
| Net loans and leases to core deposits | 89.1611% | 1,668 |
| Total domestic deposits to total assets | 78.6100% | 3,933 |
| Equity capital to assets | 19.7522% | 240 |
| Core capital (leverage) ratio | 20.4050% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,875,500 | 3,219 |
| Average earning assets | $165,107,000 | 3,190 |
| Average equity | $33,344,000 | 2,150 |
| Average total loans | $114,457,000 | 3,043 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 1,898 |
| Cost of funding earning assets | 0.3428% | 2,539 |
| Net interest margin | 3.5916% | 1,669 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.8225% | 3,985 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.7417% | 495 |
| Return on assets (ROA) | 1.7417% | 471 |
| Pretax return on assets | 1.8405% | 661 |
| Return on Equity (ROE) | 8.4200% | 3,271 |
| Retained earnings to average equity (ytd only) | -8.0882% | 4,613 |
| Net charge-offs to loans | 0.0060% | 2,202 |
| Credit loss provision to net charge-offs | 4,700.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 590.5000% | 294 |
| Efficiency ratio | 47.6816% | 4,261 |
| Assets per employee ($millions) | 12.7051% | 325 |
| Cash dividends to net income (ytd only)* | 196.0467% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 3,731 |
| Loan loss allowance to noncurrent loans | 290.3955% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 2,178 |
| Noncurrent loans to loans | 0.3136% | 2,026 |
| Net loans and leases to total assets | 62.8900% | 2,342 |
| Net loans and leases to deposits | 79.3328% | 1,820 |
| Net loans and leases to core deposits | 82.9163% | 1,941 |
| Total domestic deposits to total assets | 79.2700% | 3,969 |
| Equity capital to assets | 18.4055% | 279 |
| Core capital (leverage) ratio | 19.4693% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2468% | 358 |
| Memoranda: | ||
| Average total assets | $177,178,800 | 3,216 |
| Average earning assets | $168,922,800 | 3,167 |
| Average equity | $36,645,800 | 2,048 |
| Average total loans | $100,190,000 | 3,150 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6382% | 2,230 |
| Cost of funding earning assets | 0.2452% | 2,759 |
| Net interest margin | 3.3930% | 1,994 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.6489% | 4,241 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.7031% | 527 |
| Return on assets (ROA) | 1.7031% | 516 |
| Pretax return on assets | 1.7920% | 744 |
| Return on Equity (ROE) | 8.0100% | 3,328 |
| Retained earnings to average equity (ytd only) | 5.0004% | 3,104 |
| Net charge-offs to loans | 0.0014% | 2,265 |
| Credit loss provision to net charge-offs | 20,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,584.0000% | 47 |
| Efficiency ratio | 45.8621% | 4,388 |
| Assets per employee ($millions) | 12.2862% | 354 |
| Cash dividends to net income (ytd only)* | 37.5940% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8930% | 3,883 |
| Loan loss allowance to noncurrent loans | 220.5543% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 1,960 |
| Noncurrent loans to loans | 0.4049% | 1,808 |
| Net loans and leases to total assets | 61.6200% | 2,339 |
| Net loans and leases to deposits | 80.7957% | 1,536 |
| Net loans and leases to core deposits | 85.6149% | 1,546 |
| Total domestic deposits to total assets | 76.2600% | 4,359 |
| Equity capital to assets | 21.4113% | 191 |
| Core capital (leverage) ratio | 22.5895% | 184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,005,750 | 3,237 |
| Average earning assets | $169,089,000 | 3,188 |
| Average equity | $37,622,750 | 2,038 |
| Average total loans | $97,014,500 | 3,205 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3344% | 2,627 |
| Cost of funding earning assets | 0.2059% | 2,840 |
| Net interest margin | 3.1285% | 2,439 |
| Noninterest income to average assets | 0.3369% | 3,137 |
| Noninterest expense to average assets | 1.8570% | 3,816 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3992% | 909 |
| Return on assets (ROA) | 1.3992% | 884 |
| Pretax return on assets | 1.4731% | 1,243 |
| Return on Equity (ROE) | 6.5985% | 3,424 |
| Retained earnings to average equity (ytd only) | 3.1673% | 3,391 |
| Net charge-offs to loans | 0.0021% | 2,025 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,316.0000% | 93 |
| Efficiency ratio | 55.7647% | 3,798 |
| Assets per employee ($millions) | 11.6873% | 407 |
| Cash dividends to net income (ytd only)* | 52.0000% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,264 |
| Loan loss allowance to noncurrent loans | 285.5513% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1500% | 2,669 |
| Noncurrent loans to loans | 0.2617% | 2,429 |
| Net loans and leases to total assets | 56.8998% | 2,651 |
| Net loans and leases to deposits | 74.5846% | 1,795 |
| Net loans and leases to core deposits | 78.9325% | 1,780 |
| Total domestic deposits to total assets | 76.2889% | 4,446 |
| Equity capital to assets | 21.0262% | 149 |
| Core capital (leverage) ratio | 21.4847% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3560% | 234 |
| Memoranda: | ||
| Average total assets | $178,672,000 | 3,254 |
| Average earning assets | $170,943,333 | 3,206 |
| Average equity | $37,887,333 | 2,083 |
| Average total loans | $93,705,333 | 3,279 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 2,854 |
| Cost of funding earning assets | 0.1896% | 2,954 |
| Net interest margin | 2.9510% | 2,664 |
| Noninterest income to average assets | 0.3881% | 2,769 |
| Noninterest expense to average assets | 1.6324% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5082% | 621 |
| Return on assets (ROA) | 1.5082% | 611 |
| Pretax return on assets | 1.5858% | 850 |
| Return on Equity (ROE) | 7.0832% | 3,011 |
| Retained earnings to average equity (ytd only) | 2.9166% | 3,295 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7236% | 4,278 |
| Assets per employee ($millions) | 11.0668% | 498 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8339% | 4,190 |
| Loan loss allowance to noncurrent loans | 214.8571% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,356 |
| Noncurrent loans to loans | 0.3881% | 2,095 |
| Net loans and leases to total assets | 50.5038% | 3,127 |
| Net loans and leases to deposits | 66.4472% | 2,302 |
| Net loans and leases to core deposits | 70.2847% | 2,270 |
| Total domestic deposits to total assets | 76.0058% | 4,501 |
| Equity capital to assets | 21.2207% | 138 |
| Core capital (leverage) ratio | 21.0121% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,353,000 | 3,253 |
| Average earning assets | $172,957,500 | 3,200 |
| Average equity | $38,400,500 | 2,114 |
| Average total loans | $90,307,000 | 3,329 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4935% | 2,682 |
| Cost of funding earning assets | 0.2549% | 2,866 |
| Net interest margin | 3.2385% | 2,491 |
| Noninterest income to average assets | 0.4968% | 2,581 |
| Noninterest expense to average assets | 1.7158% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7854% | 524 |
| Return on assets (ROA) | 1.7854% | 547 |
| Pretax return on assets | 1.8766% | 773 |
| Return on Equity (ROE) | 8.3911% | 3,108 |
| Retained earnings to average equity (ytd only) | 5.1578% | 2,724 |
| Net charge-offs to loans | 0.0264% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 141.5000% | 698 |
| Efficiency ratio | 47.7619% | 4,421 |
| Assets per employee ($millions) | 12.2425% | 374 |
| Cash dividends to net income (ytd only)* | 38.5330% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 4,208 |
| Loan loss allowance to noncurrent loans | 234.2679% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,711 |
| Noncurrent loans to loans | 0.3549% | 2,310 |
| Net loans and leases to total assets | 48.8374% | 3,422 |
| Net loans and leases to deposits | 64.8001% | 2,616 |
| Net loans and leases to core deposits | 69.1873% | 2,532 |
| Total domestic deposits to total assets | 75.3662% | 4,536 |
| Equity capital to assets | 21.3605% | 139 |
| Core capital (leverage) ratio | 21.1285% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,965,000 | 3,202 |
| Average earning assets | $172,980,600 | 3,151 |
| Average equity | $38,505,000 | 2,134 |
| Average total loans | $90,818,800 | 3,324 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 2,550 |
| Cost of funding earning assets | 0.2696% | 2,903 |
| Net interest margin | 3.3337% | 2,326 |
| Noninterest income to average assets | 0.3956% | 3,116 |
| Noninterest expense to average assets | 1.5249% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9486% | 505 |
| Return on assets (ROA) | 1.9486% | 532 |
| Pretax return on assets | 2.0529% | 731 |
| Return on Equity (ROE) | 9.1670% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.2099% | 2,739 |
| Net charge-offs to loans | -0.0044% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6209% | 4,643 |
| Assets per employee ($millions) | 10.7963% | 510 |
| Cash dividends to net income (ytd only)* | 32.2581% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 4,258 |
| Loan loss allowance to noncurrent loans | 216.3889% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,739 |
| Noncurrent loans to loans | 0.3956% | 2,375 |
| Net loans and leases to total assets | 52.2233% | 3,176 |
| Net loans and leases to deposits | 71.4124% | 2,114 |
| Net loans and leases to core deposits | 76.7316% | 1,983 |
| Total domestic deposits to total assets | 73.1291% | 4,665 |
| Equity capital to assets | 22.7219% | 122 |
| Core capital (leverage) ratio | 21.0965% | 150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $180,296,750 | 3,241 |
| Average earning assets | $172,098,500 | 3,196 |
| Average equity | $38,324,750 | 2,170 |
| Average total loans | $90,914,500 | 3,367 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 2,229 |
| Cost of funding earning assets | 0.2793% | 2,989 |
| Net interest margin | 3.4613% | 1,970 |
| Noninterest income to average assets | 0.3884% | 3,166 |
| Noninterest expense to average assets | 1.5327% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0578% | 442 |
| Return on assets (ROA) | 2.0578% | 463 |
| Pretax return on assets | 2.1639% | 617 |
| Return on Equity (ROE) | 9.8957% | 2,779 |
| Retained earnings to average equity (ytd only) | 6.6077% | 2,583 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4620% | 4,711 |
| Assets per employee ($millions) | 11.4782% | 405 |
| Cash dividends to net income (ytd only)* | 33.2270% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 4,295 |
| Loan loss allowance to noncurrent loans | 216.4345% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1955% | 2,977 |
| Noncurrent loans to loans | 0.3898% | 2,506 |
| Net loans and leases to total assets | 49.7313% | 3,578 |
| Net loans and leases to deposits | 66.5418% | 2,777 |
| Net loans and leases to core deposits | 71.2101% | 2,669 |
| Total domestic deposits to total assets | 74.7369% | 4,630 |
| Equity capital to assets | 21.0731% | 152 |
| Core capital (leverage) ratio | 20.0538% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,815,333 | 3,227 |
| Average earning assets | $174,733,000 | 3,178 |
| Average equity | $38,016,333 | 2,177 |
| Average total loans | $90,889,333 | 3,386 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 1,555 |
| Cost of funding earning assets | 0.2915% | 3,084 |
| Net interest margin | 3.7350% | 1,258 |
| Noninterest income to average assets | 0.3750% | 3,223 |
| Noninterest expense to average assets | 1.5417% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2829% | 367 |
| Return on assets (ROA) | 2.2829% | 396 |
| Pretax return on assets | 2.4013% | 519 |
| Return on Equity (ROE) | 11.0527% | 2,355 |
| Retained earnings to average equity (ytd only) | 6.8058% | 2,636 |
| Net charge-offs to loans | 0.0044% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,095.0000% | 86 |
| Efficiency ratio | 39.0990% | 4,776 |
| Assets per employee ($millions) | 11.5534% | 383 |
| Cash dividends to net income (ytd only)* | 38.4246% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 4,281 |
| Loan loss allowance to noncurrent loans | 261.2795% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 3,359 |
| Noncurrent loans to loans | 0.3278% | 2,925 |
| Net loans and leases to total assets | 48.5908% | 3,752 |
| Net loans and leases to deposits | 65.0149% | 3,023 |
| Net loans and leases to core deposits | 69.5324% | 2,903 |
| Total domestic deposits to total assets | 74.7379% | 4,640 |
| Equity capital to assets | 20.4778% | 166 |
| Core capital (leverage) ratio | 20.4611% | 166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,397,500 | 3,232 |
| Average earning assets | $174,245,000 | 3,176 |
| Average equity | $37,674,000 | 2,175 |
| Average total loans | $90,279,500 | 3,407 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 2,960 |
| Cost of funding earning assets | 0.4680% | 3,163 |
| Net interest margin | 3.4555% | 2,616 |
| Noninterest income to average assets | 0.4458% | 2,884 |
| Noninterest expense to average assets | 1.7272% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.9154% | 308 |
| Return on assets (ROA) | 1.9154% | 329 |
| Pretax return on assets | 2.0101% | 446 |
| Return on Equity (ROE) | 8.2930% | 2,693 |
| Retained earnings to average equity (ytd only) | -2.2567% | 4,723 |
| Net charge-offs to loans | 0.0149% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 256.3077% | 395 |
| Efficiency ratio | 46.2147% | 4,708 |
| Assets per employee ($millions) | 11.2463% | 381 |
| Cash dividends to net income (ytd only)* | 127.2126% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,288 |
| Loan loss allowance to noncurrent loans | 276.5125% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,494 |
| Noncurrent loans to loans | 0.3124% | 3,084 |
| Net loans and leases to total assets | 49.5629% | 3,854 |
| Net loans and leases to deposits | 67.4079% | 3,143 |
| Net loans and leases to core deposits | 70.8681% | 3,186 |
| Total domestic deposits to total assets | 73.5269% | 4,655 |
| Equity capital to assets | 20.8368% | 169 |
| Core capital (leverage) ratio | 20.2914% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $165,763,200 | 3,230 |
| Average earning assets | $157,891,400 | 3,185 |
| Average equity | $38,285,400 | 2,083 |
| Average total loans | $87,224,600 | 3,449 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1318% | 2,586 |
| Cost of funding earning assets | 0.5108% | 3,158 |
| Net interest margin | 3.6211% | 2,194 |
| Noninterest income to average assets | 0.4570% | 2,808 |
| Noninterest expense to average assets | 1.6857% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1123% | 237 |
| Return on assets (ROA) | 2.1123% | 250 |
| Pretax return on assets | 2.2208% | 327 |
| Return on Equity (ROE) | 8.9041% | 2,434 |
| Retained earnings to average equity (ytd only) | 6.9985% | 1,690 |
| Net charge-offs to loans | 0.0154% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 270.2000% | 392 |
| Efficiency ratio | 43.1517% | 4,827 |
| Assets per employee ($millions) | 11.2807% | 367 |
| Cash dividends to net income (ytd only)* | 21.4008% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,106 |
| Loan loss allowance to noncurrent loans | 216.6667% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2388% | 3,251 |
| Noncurrent loans to loans | 0.4101% | 2,827 |
| Net loans and leases to total assets | 51.4175% | 4,005 |
| Net loans and leases to deposits | 73.4800% | 3,001 |
| Net loans and leases to core deposits | 77.8964% | 3,018 |
| Total domestic deposits to total assets | 69.9748% | 4,758 |
| Equity capital to assets | 23.7095% | 114 |
| Core capital (leverage) ratio | 22.7317% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,218,750 | 3,250 |
| Average earning assets | $154,536,000 | 3,198 |
| Average equity | $38,483,250 | 2,070 |
| Average total loans | $86,540,500 | 3,475 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,332 |
| Cost of funding earning assets | 0.5533% | 3,216 |
| Net interest margin | 3.7998% | 1,836 |
| Noninterest income to average assets | 0.4816% | 2,646 |
| Noninterest expense to average assets | 1.7325% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.2491% | 208 |
| Return on assets (ROA) | 2.2491% | 228 |
| Pretax return on assets | 2.3654% | 271 |
| Return on Equity (ROE) | 9.4786% | 2,162 |
| Retained earnings to average equity (ytd only) | 8.4243% | 1,184 |
| Net charge-offs to loans | 0.0255% | 2,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 171.9091% | 500 |
| Efficiency ratio | 42.2772% | 4,857 |
| Assets per employee ($millions) | 11.3345% | 359 |
| Cash dividends to net income (ytd only)* | 11.1235% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,084 |
| Loan loss allowance to noncurrent loans | 194.2643% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 3,378 |
| Noncurrent loans to loans | 0.4526% | 2,791 |
| Net loans and leases to total assets | 51.6522% | 4,052 |
| Net loans and leases to deposits | 73.3289% | 3,136 |
| Net loans and leases to core deposits | 77.8791% | 3,119 |
| Total domestic deposits to total assets | 70.4390% | 4,774 |
| Equity capital to assets | 23.0840% | 124 |
| Core capital (leverage) ratio | 22.7648% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,888,000 | 3,249 |
| Average earning assets | $152,164,333 | 3,205 |
| Average equity | $37,938,000 | 2,083 |
| Average total loans | $86,126,000 | 3,479 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,839 |
| Cost of funding earning assets | 0.6262% | 3,302 |
| Net interest margin | 3.6999% | 2,317 |
| Noninterest income to average assets | 0.5710% | 2,174 |
| Noninterest expense to average assets | 1.8085% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1599% | 200 |
| Return on assets (ROA) | 2.1599% | 215 |
| Pretax return on assets | 2.2736% | 252 |
| Return on Equity (ROE) | 8.9691% | 2,121 |
| Retained earnings to average equity (ytd only) | 6.8234% | 1,601 |
| Net charge-offs to loans | 0.0518% | 1,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 672 |
| Efficiency ratio | 44.3038% | 4,873 |
| Assets per employee ($millions) | 9.7099% | 422 |
| Cash dividends to net income (ytd only)* | 23.9234% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,053 |
| Loan loss allowance to noncurrent loans | 216.3889% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 3,538 |
| Noncurrent loans to loans | 0.4232% | 2,976 |
| Net loans and leases to total assets | 54.2518% | 3,965 |
| Net loans and leases to deposits | 78.5237% | 2,833 |
| Net loans and leases to core deposits | 80.7622% | 3,130 |
| Total domestic deposits to total assets | 69.0897% | 4,892 |
| Equity capital to assets | 24.1692% | 123 |
| Core capital (leverage) ratio | 23.8971% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,823,000 | 3,267 |
| Average earning assets | $146,921,000 | 3,221 |
| Average equity | $37,283,500 | 2,106 |
| Average total loans | $84,890,500 | 3,501 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 2,600 |
| Cost of funding earning assets | 0.6852% | 3,233 |
| Net interest margin | 3.9188% | 2,107 |
| Noninterest income to average assets | 0.4452% | 3,031 |
| Noninterest expense to average assets | 1.9791% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.0933% | 278 |
| Return on assets (ROA) | 2.1183% | 274 |
| Pretax return on assets | 2.2126% | 375 |
| Return on Equity (ROE) | 8.4328% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.0871% | 2,374 |
| Net charge-offs to loans | 0.0124% | 3,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 310.9000% | 278 |
| Efficiency ratio | 47.5097% | 4,858 |
| Assets per employee ($millions) | 9.0757% | 492 |
| Cash dividends to net income (ytd only)* | 39.6746% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,829 |
| Loan loss allowance to noncurrent loans | 206.2663% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,446 |
| Noncurrent loans to loans | 0.4521% | 2,821 |
| Net loans and leases to total assets | 54.3967% | 4,052 |
| Net loans and leases to deposits | 78.1385% | 2,989 |
| Net loans and leases to core deposits | 80.3914% | 3,265 |
| Total domestic deposits to total assets | 69.6157% | 4,948 |
| Equity capital to assets | 23.9929% | 134 |
| Core capital (leverage) ratio | 23.9353% | 137 |
| Tier 1 risk-based capital ratio | 36.1185% | 308 |
| Total risk-based capital ratio | 36.9065% | 311 |
| Memoranda: | ||
| Average total assets | $142,188,200 | 3,405 |
| Average earning assets | $134,991,400 | 3,353 |
| Average equity | $35,717,800 | 2,108 |
| Average total loans | $80,713,200 | 3,590 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 2,548 |
| Cost of funding earning assets | 0.6917% | 3,252 |
| Net interest margin | 3.9624% | 2,066 |
| Noninterest income to average assets | 0.4388% | 3,084 |
| Noninterest expense to average assets | 1.8194% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2628% | 242 |
| Return on assets (ROA) | 2.2965% | 234 |
| Pretax return on assets | 2.4144% | 296 |
| Return on Equity (ROE) | 9.0299% | 2,876 |
| Retained earnings to average equity (ytd only) | 5.3569% | 2,702 |
| Net charge-offs to loans | 0.0401% | 2,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 103.4556% | 733 |
| Efficiency ratio | 43.3364% | 5,037 |
| Assets per employee ($millions) | 9.2236% | 440 |
| Cash dividends to net income (ytd only)* | 40.6759% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 3,821 |
| Loan loss allowance to noncurrent loans | 185.2029% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,416 |
| Noncurrent loans to loans | 0.5139% | 2,751 |
| Net loans and leases to total assets | 54.7195% | 4,116 |
| Net loans and leases to deposits | 79.4565% | 2,957 |
| Net loans and leases to core deposits | 81.7928% | 3,264 |
| Total domestic deposits to total assets | 68.8673% | 5,035 |
| Equity capital to assets | 24.9190% | 128 |
| Core capital (leverage) ratio | 25.1466% | 119 |
| Tier 1 risk-based capital ratio | 37.3177% | 293 |
| Total risk-based capital ratio | 38.1262% | 302 |
| Memoranda: | ||
| Average total assets | $139,163,500 | 3,481 |
| Average earning assets | $132,036,750 | 3,427 |
| Average equity | $35,392,750 | 2,135 |
| Average total loans | $79,712,250 | 3,648 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 2,387 |
| Cost of funding earning assets | 0.6816% | 3,268 |
| Net interest margin | 4.0094% | 1,892 |
| Noninterest income to average assets | 0.4429% | 2,998 |
| Noninterest expense to average assets | 1.8657% | 4,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2659% | 228 |
| Return on assets (ROA) | 2.3174% | 218 |
| Pretax return on assets | 2.4362% | 270 |
| Return on Equity (ROE) | 9.0461% | 2,833 |
| Retained earnings to average equity (ytd only) | 5.1815% | 2,678 |
| Net charge-offs to loans | 0.0581% | 1,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 70.6087% | 889 |
| Efficiency ratio | 43.9227% | 5,065 |
| Assets per employee ($millions) | 9.1884% | 433 |
| Cash dividends to net income (ytd only)* | 42.7215% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 3,737 |
| Loan loss allowance to noncurrent loans | 155.7114% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,087 |
| Noncurrent loans to loans | 0.6295% | 2,372 |
| Net loans and leases to total assets | 56.9479% | 4,015 |
| Net loans and leases to deposits | 84.6343% | 2,413 |
| Net loans and leases to core deposits | 86.7608% | 2,901 |
| Total domestic deposits to total assets | 67.2870% | 5,125 |
| Equity capital to assets | 26.0742% | 111 |
| Core capital (leverage) ratio | 25.5590% | 110 |
| Tier 1 risk-based capital ratio | 38.2239% | 269 |
| Total risk-based capital ratio | 39.0653% | 272 |
| Memoranda: | ||
| Average total assets | $136,358,670 | 3,538 |
| Average earning assets | $129,395,330 | 3,488 |
| Average equity | $34,932,000 | 2,142 |
| Average total loans | $79,106,330 | 3,677 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 2,366 |
| Cost of funding earning assets | 0.6776% | 3,168 |
| Net interest margin | 3.9753% | 1,929 |
| Noninterest income to average assets | 0.4188% | 3,060 |
| Noninterest expense to average assets | 1.8197% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2528% | 244 |
| Return on assets (ROA) | 2.3565% | 222 |
| Pretax return on assets | 2.4804% | 256 |
| Return on Equity (ROE) | 9.2827% | 2,678 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,297 |
| Net charge-offs to loans | 0.0962% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 42.3158% | 1,118 |
| Efficiency ratio | 43.4201% | 5,119 |
| Assets per employee ($millions) | 9.0021% | 479 |
| Cash dividends to net income (ytd only)* | 56.3204% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,724 |
| Loan loss allowance to noncurrent loans | 161.6977% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4784% | 2,696 |
| Noncurrent loans to loans | 0.6170% | 2,480 |
| Net loans and leases to total assets | 57.3901% | 3,951 |
| Net loans and leases to deposits | 84.3070% | 2,349 |
| Net loans and leases to core deposits | 86.9226% | 2,785 |
| Total domestic deposits to total assets | 68.0728% | 5,174 |
| Equity capital to assets | 25.8376% | 106 |
| Core capital (leverage) ratio | 25.5924% | 106 |
| Tier 1 risk-based capital ratio | 38.2950% | 254 |
| Total risk-based capital ratio | 39.1559% | 256 |
| Memoranda: | ||
| Average total assets | $135,625,000 | 3,585 |
| Average earning assets | $128,694,500 | 3,538 |
| Average equity | $34,429,500 | 2,165 |
| Average total loans | $79,026,500 | 3,715 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 2,344 |
| Cost of funding earning assets | 0.5552% | 3,016 |
| Net interest margin | 3.9814% | 2,054 |
| Noninterest income to average assets | 0.5312% | 2,652 |
| Noninterest expense to average assets | 2.0561% | 4,639 |
| Loan and lease loss provision to assets | 0.0738% | 2,656 |
| Net operating income to assets | 2.0671% | 311 |
| Return on assets (ROA) | 2.0671% | 309 |
| Pretax return on assets | 2.1682% | 380 |
| Return on Equity (ROE) | 8.5367% | 3,203 |
| Retained earnings to average equity (ytd only) | 6.8610% | 1,731 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8373% | 5,052 |
| Assets per employee ($millions) | 9.7299% | 368 |
| Cash dividends to net income (ytd only)* | 19.6288% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 3,668 |
| Loan loss allowance to noncurrent loans | 117.6471% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4992% | 2,585 |
| Noncurrent loans to loans | 0.8524% | 1,891 |
| Net loans and leases to total assets | 57.9784% | 3,965 |
| Net loans and leases to deposits | 86.7908% | 2,180 |
| Net loans and leases to core deposits | 89.5116% | 2,611 |
| Total domestic deposits to total assets | 66.8025% | 5,231 |
| Equity capital to assets | 24.9380% | 108 |
| Core capital (leverage) ratio | 25.4771% | 107 |
| Tier 1 risk-based capital ratio | 36.9202% | 280 |
| Total risk-based capital ratio | 37.7790% | 284 |
| Memoranda: | ||
| Average total assets | $135,549,000 | 3,571 |
| Average earning assets | $128,247,800 | 3,523 |
| Average equity | $32,823,000 | 2,161 |
| Average total loans | $81,851,400 | 3,631 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5277% | 2,202 |
| Cost of funding earning assets | 0.5367% | 2,954 |
| Net interest margin | 3.9911% | 1,983 |
| Noninterest income to average assets | 0.5456% | 2,584 |
| Noninterest expense to average assets | 1.9746% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2307% | 257 |
| Return on assets (ROA) | 2.2307% | 255 |
| Pretax return on assets | 2.3429% | 313 |
| Return on Equity (ROE) | 9.2817% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.0523% | 1,622 |
| Net charge-offs to loans | 0.0049% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 792.9800% | 107 |
| Efficiency ratio | 45.7345% | 5,154 |
| Assets per employee ($millions) | 9.5116% | 382 |
| Cash dividends to net income (ytd only)* | 13.2451% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,454 |
| Loan loss allowance to noncurrent loans | 98.0337% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 2,597 |
| Noncurrent loans to loans | 0.8683% | 1,965 |
| Net loans and leases to total assets | 61.0557% | 3,742 |
| Net loans and leases to deposits | 93.3348% | 1,464 |
| Net loans and leases to core deposits | 95.8208% | 2,137 |
| Total domestic deposits to total assets | 65.4158% | 5,333 |
| Equity capital to assets | 24.9786% | 113 |
| Core capital (leverage) ratio | 25.3141% | 105 |
| Tier 1 risk-based capital ratio | 36.6090% | 287 |
| Total risk-based capital ratio | 37.3582% | 295 |
| Memoranda: | ||
| Average total assets | $135,381,750 | 3,611 |
| Average earning assets | $127,949,000 | 3,562 |
| Average equity | $32,536,250 | 2,188 |
| Average total loans | $82,370,000 | 3,647 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 2,254 |
| Cost of funding earning assets | 0.5130% | 2,907 |
| Net interest margin | 3.9380% | 2,075 |
| Noninterest income to average assets | 0.5466% | 2,591 |
| Noninterest expense to average assets | 2.0291% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.1319% | 288 |
| Return on assets (ROA) | 2.1319% | 283 |
| Pretax return on assets | 2.2392% | 360 |
| Return on Equity (ROE) | 8.9861% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.1282% | 2,015 |
| Net charge-offs to loans | -0.0048% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5387% | 5,138 |
| Assets per employee ($millions) | 8.9727% | 451 |
| Cash dividends to net income (ytd only)* | 20.6754% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 4,550 |
| Loan loss allowance to noncurrent loans | 64.1096% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8136% | 1,839 |
| Noncurrent loans to loans | 1.3270% | 1,280 |
| Net loans and leases to total assets | 60.7864% | 3,728 |
| Net loans and leases to deposits | 91.2949% | 1,671 |
| Net loans and leases to core deposits | 93.6568% | 2,251 |
| Total domestic deposits to total assets | 66.5825% | 5,374 |
| Equity capital to assets | 24.3114% | 121 |
| Core capital (leverage) ratio | 24.5074% | 114 |
| Tier 1 risk-based capital ratio | 35.3062% | 325 |
| Total risk-based capital ratio | 36.0506% | 333 |
| Memoranda: | ||
| Average total assets | $136,121,670 | 3,622 |
| Average earning assets | $128,643,000 | 3,572 |
| Average equity | $32,294,330 | 2,211 |
| Average total loans | $82,493,000 | 3,669 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,239 |
| Cost of funding earning assets | 0.4927% | 2,851 |
| Net interest margin | 3.8952% | 2,060 |
| Noninterest income to average assets | 0.4296% | 3,248 |
| Noninterest expense to average assets | 2.0542% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9461% | 416 |
| Return on assets (ROA) | 1.9461% | 416 |
| Pretax return on assets | 2.0484% | 522 |
| Return on Equity (ROE) | 8.3040% | 3,245 |
| Retained earnings to average equity (ytd only) | 5.8103% | 2,804 |
| Net charge-offs to loans | -0.0048% | 4,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0712% | 5,078 |
| Assets per employee ($millions) | 9.1164% | 424 |
| Cash dividends to net income (ytd only)* | 30.0300% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8485% | 4,645 |
| Loan loss allowance to noncurrent loans | 54.4678% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 1,518 |
| Noncurrent loans to loans | 1.5579% | 1,123 |
| Net loans and leases to total assets | 59.9008% | 3,758 |
| Net loans and leases to deposits | 91.4217% | 1,510 |
| Net loans and leases to core deposits | 93.7809% | 2,159 |
| Total domestic deposits to total assets | 65.5215% | 5,469 |
| Equity capital to assets | 23.4208% | 131 |
| Core capital (leverage) ratio | 23.6892% | 127 |
| Tier 1 risk-based capital ratio | 34.4741% | 340 |
| Total risk-based capital ratio | 35.2153% | 347 |
| Memoranda: | ||
| Average total assets | $136,887,000 | 3,647 |
| Average earning assets | $129,081,500 | 3,602 |
| Average equity | $32,081,000 | 2,235 |
| Average total loans | $82,482,000 | 3,699 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,641 |
| Cost of funding earning assets | 0.3753% | 3,467 |
| Net interest margin | 3.8367% | 2,299 |
| Noninterest income to average assets | 0.4713% | 3,178 |
| Noninterest expense to average assets | 2.1552% | 4,636 |
| Loan and lease loss provision to assets | 0.1466% | 1,554 |
| Net operating income to assets | 1.6993% | 526 |
| Return on assets (ROA) | 1.6882% | 553 |
| Pretax return on assets | 1.7850% | 820 |
| Return on Equity (ROE) | 7.2298% | 3,160 |
| Retained earnings to average equity (ytd only) | 2.9603% | 3,527 |
| Net charge-offs to loans | 0.2293% | 1,128 |
| Credit loss provision to net charge-offs | 105.8201% | 2,436 |
| Earnings coverage of net charge-offs (x) | 14.0265% | 2,358 |
| Efficiency ratio | 52.5845% | 5,065 |
| Assets per employee ($millions) | 8.0605% | 625 |
| Cash dividends to net income (ytd only)* | 59.0534% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8500% | 4,665 |
| Loan loss allowance to noncurrent loans | 50.3960% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2187% | 1,204 |
| Noncurrent loans to loans | 1.6867% | 973 |
| Net loans and leases to total assets | 59.5871% | 3,866 |
| Net loans and leases to deposits | 91.4837% | 1,590 |
| Net loans and leases to core deposits | 93.5314% | 2,239 |
| Total domestic deposits to total assets | 65.1341% | 5,534 |
| Equity capital to assets | 23.4514% | 125 |
| Core capital (leverage) ratio | 23.4854% | 117 |
| Tier 1 risk-based capital ratio | 34.5331% | 331 |
| Total risk-based capital ratio | 35.2852% | 338 |
| Memoranda: | ||
| Average total assets | $136,417,000 | 3,663 |
| Average earning assets | $128,965,200 | 3,600 |
| Average equity | $31,854,400 | 2,228 |
| Average total loans | $82,427,200 | 3,693 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 2,678 |
| Cost of funding earning assets | 0.3608% | 3,556 |
| Net interest margin | 3.8198% | 2,319 |
| Noninterest income to average assets | 0.4599% | 3,275 |
| Noninterest expense to average assets | 1.9374% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0331% | 304 |
| Return on assets (ROA) | 2.0489% | 294 |
| Pretax return on assets | 2.1546% | 403 |
| Return on Equity (ROE) | 8.7840% | 2,733 |
| Retained earnings to average equity (ytd only) | 4.2745% | 3,357 |
| Net charge-offs to loans | 0.0889% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.7281% | 1,304 |
| Efficiency ratio | 47.5390% | 5,366 |
| Assets per employee ($millions) | 8.6634% | 489 |
| Cash dividends to net income (ytd only)* | 51.3372% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 4,993 |
| Loan loss allowance to noncurrent loans | 37.9187% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 1,361 |
| Noncurrent loans to loans | 2.0095% | 848 |
| Net loans and leases to total assets | 59.5671% | 3,916 |
| Net loans and leases to deposits | 96.7802% | 1,032 |
| Net loans and leases to core deposits | 99.0404% | 1,794 |
| Total domestic deposits to total assets | 61.5489% | 5,644 |
| Equity capital to assets | 23.4982% | 126 |
| Core capital (leverage) ratio | 23.6848% | 116 |
| Tier 1 risk-based capital ratio | 34.0777% | 350 |
| Total risk-based capital ratio | 34.7483% | 358 |
| Memoranda: | ||
| Average total assets | $136,264,250 | 3,703 |
| Average earning assets | $128,974,750 | 3,633 |
| Average equity | $31,784,250 | 2,250 |
| Average total loans | $82,446,250 | 3,717 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 2,643 |
| Cost of funding earning assets | 0.3370% | 3,725 |
| Net interest margin | 3.8191% | 2,215 |
| Noninterest income to average assets | 0.4680% | 3,233 |
| Noninterest expense to average assets | 1.9752% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0030% | 306 |
| Return on assets (ROA) | 2.0269% | 300 |
| Pretax return on assets | 2.1317% | 417 |
| Return on Equity (ROE) | 8.7115% | 2,657 |
| Retained earnings to average equity (ytd only) | 3.6673% | 3,520 |
| Net charge-offs to loans | 0.0949% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.5897% | 1,329 |
| Efficiency ratio | 48.3906% | 5,379 |
| Assets per employee ($millions) | 7.8829% | 649 |
| Cash dividends to net income (ytd only)* | 57.9024% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 4,965 |
| Loan loss allowance to noncurrent loans | 35.7339% | 4,868 |
| Noncurrent assets plus other real estate owned to assets | 1.3574% | 1,175 |
| Noncurrent loans to loans | 2.2227% | 725 |
| Net loans and leases to total assets | 60.5843% | 3,782 |
| Net loans and leases to deposits | 91.2021% | 1,582 |
| Net loans and leases to core deposits | 92.7101% | 2,280 |
| Total domestic deposits to total assets | 66.4286% | 5,632 |
| Equity capital to assets | 23.9967% | 113 |
| Core capital (leverage) ratio | 23.6925% | 119 |
| Tier 1 risk-based capital ratio | 34.0776% | 328 |
| Total risk-based capital ratio | 34.7747% | 343 |
| Memoranda: | ||
| Average total assets | $135,480,670 | 3,734 |
| Average earning assets | $128,198,670 | 3,667 |
| Average equity | $31,521,670 | 2,261 |
| Average total loans | $82,194,000 | 3,737 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1307% | 2,545 |
| Cost of funding earning assets | 0.3163% | 3,890 |
| Net interest margin | 3.8144% | 2,070 |
| Noninterest income to average assets | 0.4757% | 3,147 |
| Noninterest expense to average assets | 2.0761% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9117% | 356 |
| Return on assets (ROA) | 1.9117% | 367 |
| Pretax return on assets | 2.0115% | 494 |
| Return on Equity (ROE) | 8.3452% | 2,752 |
| Retained earnings to average equity (ytd only) | 2.8971% | 3,970 |
| Net charge-offs to loans | 0.0583% | 1,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.0833% | 834 |
| Efficiency ratio | 50.7902% | 5,334 |
| Assets per employee ($millions) | 7.9515% | 636 |
| Cash dividends to net income (ytd only)* | 65.2842% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 4,991 |
| Loan loss allowance to noncurrent loans | 93.6376% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 3,089 |
| Noncurrent loans to loans | 0.8836% | 2,265 |
| Net loans and leases to total assets | 60.0328% | 3,783 |
| Net loans and leases to deposits | 91.6204% | 1,367 |
| Net loans and leases to core deposits | 92.8543% | 2,085 |
| Total domestic deposits to total assets | 65.5235% | 5,722 |
| Equity capital to assets | 23.2512% | 126 |
| Core capital (leverage) ratio | 23.1084% | 123 |
| Tier 1 risk-based capital ratio | 34.0429% | 354 |
| Total risk-based capital ratio | 34.7764% | 360 |
| Memoranda: | ||
| Average total assets | $136,216,000 | 3,755 |
| Average earning assets | $128,985,000 | 3,687 |
| Average equity | $31,203,500 | 2,281 |
| Average total loans | $82,371,500 | 3,756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 2,941 |
| Cost of funding earning assets | 0.2925% | 4,146 |
| Net interest margin | 3.7815% | 2,385 |
| Noninterest income to average assets | 0.5223% | 3,084 |
| Noninterest expense to average assets | 2.0614% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9269% | 368 |
| Return on assets (ROA) | 2.0803% | 279 |
| Pretax return on assets | 2.1858% | 337 |
| Return on Equity (ROE) | 9.1783% | 2,328 |
| Retained earnings to average equity (ytd only) | 5.8087% | 1,817 |
| Net charge-offs to loans | -0.0111% | 4,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4540% | 5,469 |
| Assets per employee ($millions) | 8.5785% | 489 |
| Cash dividends to net income (ytd only)* | 36.7133% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 5,015 |
| Loan loss allowance to noncurrent loans | 94.7730% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 3,155 |
| Noncurrent loans to loans | 0.8768% | 2,348 |
| Net loans and leases to total assets | 59.9078% | 3,865 |
| Net loans and leases to deposits | 91.5576% | 1,506 |
| Net loans and leases to core deposits | 93.5993% | 2,143 |
| Total domestic deposits to total assets | 65.4317% | 5,767 |
| Equity capital to assets | 22.5688% | 136 |
| Core capital (leverage) ratio | 23.0316% | 122 |
| Tier 1 risk-based capital ratio | 33.2265% | 368 |
| Total risk-based capital ratio | 33.9603% | 380 |
| Memoranda: | ||
| Average total assets | $137,479,400 | 3,711 |
| Average earning assets | $129,550,800 | 3,654 |
| Average equity | $31,160,400 | 2,279 |
| Average total loans | $80,834,600 | 3,785 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 2,998 |
| Cost of funding earning assets | 0.2925% | 4,186 |
| Net interest margin | 3.7698% | 2,450 |
| Noninterest income to average assets | 0.4983% | 3,262 |
| Noninterest expense to average assets | 1.8564% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.0834% | 302 |
| Return on assets (ROA) | 2.2878% | 227 |
| Pretax return on assets | 2.4051% | 254 |
| Return on Equity (ROE) | 10.0832% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.7293% | 1,769 |
| Net charge-offs to loans | -0.0133% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8793% | 5,674 |
| Assets per employee ($millions) | 8.1220% | 562 |
| Cash dividends to net income (ytd only)* | 33.2627% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 5,089 |
| Loan loss allowance to noncurrent loans | 100.7321% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 3,467 |
| Noncurrent loans to loans | 0.8290% | 2,607 |
| Net loans and leases to total assets | 59.1748% | 3,979 |
| Net loans and leases to deposits | 95.6397% | 1,086 |
| Net loans and leases to core deposits | 97.2945% | 1,880 |
| Total domestic deposits to total assets | 61.8726% | 5,874 |
| Equity capital to assets | 23.2607% | 131 |
| Core capital (leverage) ratio | 22.9651% | 123 |
| Tier 1 risk-based capital ratio | 32.9730% | 383 |
| Total risk-based capital ratio | 33.7057% | 391 |
| Memoranda: | ||
| Average total assets | $137,535,250 | 3,736 |
| Average earning assets | $129,445,500 | 3,678 |
| Average equity | $31,206,250 | 2,289 |
| Average total loans | $80,314,250 | 3,815 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,034 |
| Cost of funding earning assets | 0.2899% | 4,250 |
| Net interest margin | 3.7682% | 2,445 |
| Noninterest income to average assets | 0.5111% | 3,116 |
| Noninterest expense to average assets | 1.8434% | 5,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0998% | 280 |
| Return on assets (ROA) | 2.1856% | 246 |
| Pretax return on assets | 2.2977% | 305 |
| Return on Equity (ROE) | 9.7144% | 2,174 |
| Retained earnings to average equity (ytd only) | 6.3166% | 1,953 |
| Net charge-offs to loans | -0.0050% | 4,523 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5068% | 5,774 |
| Assets per employee ($millions) | 8.5733% | 463 |
| Cash dividends to net income (ytd only)* | 34.9767% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 5,125 |
| Loan loss allowance to noncurrent loans | 110.3560% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 3,710 |
| Noncurrent loans to loans | 0.7718% | 2,817 |
| Net loans and leases to total assets | 57.8758% | 4,129 |
| Net loans and leases to deposits | 92.0699% | 1,505 |
| Net loans and leases to core deposits | 93.0988% | 2,249 |
| Total domestic deposits to total assets | 62.8608% | 5,945 |
| Equity capital to assets | 23.2312% | 126 |
| Core capital (leverage) ratio | 22.5730% | 124 |
| Tier 1 risk-based capital ratio | 32.6007% | 397 |
| Total risk-based capital ratio | 33.3330% | 410 |
| Memoranda: | ||
| Average total assets | $137,355,670 | 3,765 |
| Average earning assets | $129,026,330 | 3,713 |
| Average equity | $30,902,670 | 2,316 |
| Average total loans | $79,621,330 | 3,852 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 2,961 |
| Cost of funding earning assets | 0.2835% | 4,348 |
| Net interest margin | 3.7884% | 2,332 |
| Noninterest income to average assets | 0.5529% | 2,786 |
| Noninterest expense to average assets | 1.8480% | 5,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1326% | 262 |
| Return on assets (ROA) | 2.2874% | 215 |
| Pretax return on assets | 2.4067% | 276 |
| Return on Equity (ROE) | 10.3351% | 1,841 |
| Retained earnings to average equity (ytd only) | 6.7192% | 2,019 |
| Net charge-offs to loans | -0.0252% | 4,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1636% | 5,841 |
| Assets per employee ($millions) | 8.4337% | 486 |
| Cash dividends to net income (ytd only)* | 34.9873% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8569% | 5,196 |
| Loan loss allowance to noncurrent loans | 101.6320% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 3,607 |
| Noncurrent loans to loans | 0.8431% | 2,739 |
| Net loans and leases to total assets | 58.7339% | 3,958 |
| Net loans and leases to deposits | 87.8756% | 1,843 |
| Net loans and leases to core deposits | 89.8175% | 2,391 |
| Total domestic deposits to total assets | 66.8376% | 5,954 |
| Equity capital to assets | 22.8340% | 138 |
| Core capital (leverage) ratio | 22.4094% | 130 |
| Tier 1 risk-based capital ratio | 32.3529% | 417 |
| Total risk-based capital ratio | 33.0942% | 431 |
| Memoranda: | ||
| Average total assets | $137,447,000 | 3,789 |
| Average earning assets | $128,391,000 | 3,742 |
| Average equity | $30,420,500 | 2,345 |
| Average total loans | $79,396,000 | 3,876 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 3,210 |
| Cost of funding earning assets | 0.2985% | 4,262 |
| Net interest margin | 3.7290% | 2,648 |
| Noninterest income to average assets | 0.4759% | 3,493 |
| Noninterest expense to average assets | 2.0667% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.8315% | 462 |
| Return on assets (ROA) | 1.9253% | 401 |
| Pretax return on assets | 2.0239% | 515 |
| Return on Equity (ROE) | 8.9994% | 2,456 |
| Retained earnings to average equity (ytd only) | 4.5743% | 2,725 |
| Net charge-offs to loans | -0.0088% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7718% | 5,648 |
| Assets per employee ($millions) | 8.7472% | 420 |
| Cash dividends to net income (ytd only)* | 49.1711% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,228 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 3,465 |
| Noncurrent loans to loans | 0.9702% | 2,393 |
| Net loans and leases to total assets | 55.8551% | 4,305 |
| Net loans and leases to deposits | 80.5025% | 2,765 |
| Net loans and leases to core deposits | 83.9143% | 2,973 |
| Total domestic deposits to total assets | 69.3830% | 5,922 |
| Equity capital to assets | 21.4562% | 161 |
| Core capital (leverage) ratio | 21.5226% | 143 |
| Tier 1 risk-based capital ratio | 32.1968% | 426 |
| Total risk-based capital ratio | 32.9418% | 436 |
| Memoranda: | ||
| Average total assets | $137,851,600 | 3,755 |
| Average earning assets | $129,980,600 | 3,702 |
| Average equity | $29,490,800 | 2,353 |
| Average total loans | $79,278,000 | 3,846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,279 |
| Cost of funding earning assets | 0.2998% | 4,341 |
| Net interest margin | 3.7165% | 2,689 |
| Noninterest income to average assets | 0.4602% | 3,633 |
| Noninterest expense to average assets | 1.8428% | 5,722 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.0397% | 341 |
| Return on assets (ROA) | 2.1651% | 287 |
| Pretax return on assets | 2.2758% | 352 |
| Return on Equity (ROE) | 10.1282% | 2,055 |
| Retained earnings to average equity (ytd only) | 5.9043% | 2,309 |
| Net charge-offs to loans | -0.0151% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2250% | 5,954 |
| Assets per employee ($millions) | 8.6923% | 415 |
| Cash dividends to net income (ytd only)* | 41.7041% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 5,389 |
| Loan loss allowance to noncurrent loans | 117.3838% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 4,104 |
| Noncurrent loans to loans | 0.7201% | 3,174 |
| Net loans and leases to total assets | 57.5196% | 4,196 |
| Net loans and leases to deposits | 91.5936% | 1,453 |
| Net loans and leases to core deposits | 94.7910% | 2,002 |
| Total domestic deposits to total assets | 62.7988% | 6,151 |
| Equity capital to assets | 21.5896% | 169 |
| Core capital (leverage) ratio | 21.3073% | 162 |
| Tier 1 risk-based capital ratio | 31.7517% | 452 |
| Total risk-based capital ratio | 32.4899% | 459 |
| Memoranda: | ||
| Average total assets | $137,325,750 | 3,801 |
| Average earning assets | $130,298,750 | 3,723 |
| Average equity | $29,356,250 | 2,376 |
| Average total loans | $79,384,500 | 3,880 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,241 |
| Cost of funding earning assets | 0.2990% | 4,407 |
| Net interest margin | 3.7118% | 2,659 |
| Noninterest income to average assets | 0.4666% | 3,585 |
| Noninterest expense to average assets | 1.8473% | 5,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.0371% | 349 |
| Return on assets (ROA) | 2.1427% | 299 |
| Pretax return on assets | 2.2524% | 380 |
| Return on Equity (ROE) | 10.0573% | 2,041 |
| Retained earnings to average equity (ytd only) | 5.9383% | 2,279 |
| Net charge-offs to loans | -0.0101% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3146% | 6,027 |
| Assets per employee ($millions) | 8.1900% | 487 |
| Cash dividends to net income (ytd only)* | 40.9556% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 5,452 |
| Loan loss allowance to noncurrent loans | 112.4585% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 4,189 |
| Noncurrent loans to loans | 0.7592% | 3,217 |
| Net loans and leases to total assets | 56.4684% | 4,287 |
| Net loans and leases to deposits | 84.3320% | 2,272 |
| Net loans and leases to core deposits | 87.5668% | 2,597 |
| Total domestic deposits to total assets | 66.9597% | 6,145 |
| Equity capital to assets | 21.0077% | 177 |
| Core capital (leverage) ratio | 21.1896% | 160 |
| Tier 1 risk-based capital ratio | 32.2197% | 453 |
| Total risk-based capital ratio | 32.9744% | 459 |
| Memoranda: | ||
| Average total assets | $136,742,330 | 3,839 |
| Average earning assets | $129,747,670 | 3,764 |
| Average equity | $29,133,000 | 2,411 |
| Average total loans | $78,953,330 | 3,918 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0586% | 3,001 |
| Cost of funding earning assets | 0.2986% | 4,455 |
| Net interest margin | 3.7600% | 2,392 |
| Noninterest income to average assets | 0.4664% | 3,525 |
| Noninterest expense to average assets | 1.8628% | 5,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0660% | 299 |
| Return on assets (ROA) | 2.1137% | 292 |
| Pretax return on assets | 2.2229% | 371 |
| Return on Equity (ROE) | 9.8504% | 2,070 |
| Retained earnings to average equity (ytd only) | 5.7231% | 2,646 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1595% | 6,096 |
| Assets per employee ($millions) | 8.4646% | 448 |
| Cash dividends to net income (ytd only)* | 41.8994% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 5,560 |
| Loan loss allowance to noncurrent loans | 107.8400% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 4,183 |
| Noncurrent loans to loans | 0.7917% | 3,271 |
| Net loans and leases to total assets | 57.7935% | 3,978 |
| Net loans and leases to deposits | 85.2256% | 1,927 |
| Net loans and leases to core deposits | 90.8639% | 2,046 |
| Total domestic deposits to total assets | 67.8124% | 6,205 |
| Equity capital to assets | 21.7863% | 155 |
| Core capital (leverage) ratio | 21.0777% | 167 |
| Tier 1 risk-based capital ratio | 32.1365% | 453 |
| Total risk-based capital ratio | 32.8977% | 469 |
| Memoranda: | ||
| Average total assets | $135,498,500 | 3,891 |
| Average earning assets | $128,616,000 | 3,818 |
| Average equity | $29,075,000 | 2,425 |
| Average total loans | $78,781,000 | 3,938 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,610 |
| Cost of funding earning assets | 0.3362% | 4,413 |
| Net interest margin | 3.6920% | 3,034 |
| Noninterest income to average assets | 0.5073% | 3,451 |
| Noninterest expense to average assets | 2.0359% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.8648% | 413 |
| Return on assets (ROA) | 2.0112% | 329 |
| Pretax return on assets | 2.1136% | 396 |
| Return on Equity (ROE) | 10.0241% | 2,107 |
| Retained earnings to average equity (ytd only) | 5.7311% | 2,117 |
| Net charge-offs to loans | 0.0054% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 674.0000% | 72 |
| Efficiency ratio | 50.9551% | 6,045 |
| Assets per employee ($millions) | 8.4727% | 441 |
| Cash dividends to net income (ytd only)* | 42.8262% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 5,622 |
| Loan loss allowance to noncurrent loans | 113.6824% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,197 |
| Noncurrent loans to loans | 0.7530% | 3,440 |
| Net loans and leases to total assets | 57.4958% | 4,114 |
| Net loans and leases to deposits | 88.2407% | 1,708 |
| Net loans and leases to core deposits | 92.6415% | 2,027 |
| Total domestic deposits to total assets | 65.1579% | 6,343 |
| Equity capital to assets | 21.1297% | 185 |
| Core capital (leverage) ratio | 20.5288% | 191 |
| Tier 1 risk-based capital ratio | 32.0944% | 426 |
| Total risk-based capital ratio | 32.8648% | 438 |
| Memoranda: | ||
| Average total assets | $137,582,200 | 3,849 |
| Average earning assets | $129,982,400 | 3,775 |
| Average equity | $27,603,600 | 2,438 |
| Average total loans | $74,663,800 | 4,034 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0064% | 3,734 |
| Cost of funding earning assets | 0.3437% | 4,413 |
| Net interest margin | 3.6627% | 3,177 |
| Noninterest income to average assets | 0.4828% | 3,665 |
| Noninterest expense to average assets | 1.8007% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0349% | 325 |
| Return on assets (ROA) | 2.0991% | 295 |
| Pretax return on assets | 2.2072% | 365 |
| Return on Equity (ROE) | 10.6007% | 1,947 |
| Retained earnings to average equity (ytd only) | 6.5291% | 2,084 |
| Net charge-offs to loans | -0.0525% | 5,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6996% | 6,304 |
| Assets per employee ($millions) | 8.7576% | 376 |
| Cash dividends to net income (ytd only)* | 38.4087% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 5,485 |
| Loan loss allowance to noncurrent loans | 190.8108% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2641% | 5,195 |
| Noncurrent loans to loans | 0.4896% | 4,444 |
| Net loans and leases to total assets | 53.4270% | 4,644 |
| Net loans and leases to deposits | 87.4476% | 1,735 |
| Net loans and leases to core deposits | 90.6683% | 2,161 |
| Total domestic deposits to total assets | 61.0960% | 6,475 |
| Equity capital to assets | 20.2516% | 219 |
| Core capital (leverage) ratio | 20.1746% | 206 |
| Tier 1 risk-based capital ratio | 32.0215% | 441 |
| Total risk-based capital ratio | 32.8349% | 445 |
| Memoranda: | ||
| Average total assets | $138,087,000 | 3,863 |
| Average earning assets | $130,356,000 | 3,781 |
| Average equity | $27,343,500 | 2,462 |
| Average total loans | $73,675,750 | 4,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 3,756 |
| Cost of funding earning assets | 0.3483% | 4,454 |
| Net interest margin | 3.6434% | 3,173 |
| Noninterest income to average assets | 0.4818% | 3,620 |
| Noninterest expense to average assets | 1.8107% | 6,129 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0082% | 330 |
| Return on assets (ROA) | 2.0843% | 293 |
| Pretax return on assets | 2.1920% | 372 |
| Return on Equity (ROE) | 10.6078% | 1,890 |
| Retained earnings to average equity (ytd only) | 6.3484% | 2,118 |
| Net charge-offs to loans | 0.0027% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,451.0000% | 33 |
| Efficiency ratio | 46.1596% | 6,358 |
| Assets per employee ($millions) | 8.2858% | 444 |
| Cash dividends to net income (ytd only)* | 40.1536% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 5,721 |
| Loan loss allowance to noncurrent loans | 168.5786% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 5,228 |
| Noncurrent loans to loans | 0.5342% | 4,407 |
| Net loans and leases to total assets | 52.8163% | 4,660 |
| Net loans and leases to deposits | 83.5910% | 2,072 |
| Net loans and leases to core deposits | 85.7967% | 2,537 |
| Total domestic deposits to total assets | 63.1842% | 6,524 |
| Equity capital to assets | 19.8114% | 228 |
| Core capital (leverage) ratio | 19.6190% | 214 |
| Tier 1 risk-based capital ratio | 31.2452% | 474 |
| Total risk-based capital ratio | 32.0185% | 486 |
| Memoranda: | ||
| Average total assets | $137,408,670 | 3,898 |
| Average earning assets | $129,770,330 | 3,813 |
| Average equity | $26,999,000 | 2,481 |
| Average total loans | $73,044,670 | 4,132 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,818 |
| Cost of funding earning assets | 0.3560% | 4,479 |
| Net interest margin | 3.6127% | 3,201 |
| Noninterest income to average assets | 0.5041% | 3,377 |
| Noninterest expense to average assets | 1.8956% | 6,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9192% | 384 |
| Return on assets (ROA) | 1.9752% | 371 |
| Pretax return on assets | 2.0784% | 445 |
| Return on Equity (ROE) | 10.0959% | 2,001 |
| Retained earnings to average equity (ytd only) | 4.8219% | 3,214 |
| Net charge-offs to loans | 0.0111% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 342.5000% | 141 |
| Efficiency ratio | 48.4187% | 6,338 |
| Assets per employee ($millions) | 8.0902% | 459 |
| Cash dividends to net income (ytd only)* | 52.2388% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 5,789 |
| Loan loss allowance to noncurrent loans | 197.3684% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 5,443 |
| Noncurrent loans to loans | 0.4680% | 4,753 |
| Net loans and leases to total assets | 52.6390% | 4,588 |
| Net loans and leases to deposits | 77.1319% | 2,669 |
| Net loans and leases to core deposits | 78.6281% | 3,131 |
| Total domestic deposits to total assets | 68.2454% | 6,508 |
| Equity capital to assets | 19.6098% | 231 |
| Core capital (leverage) ratio | 19.9154% | 208 |
| Tier 1 risk-based capital ratio | 31.6131% | 461 |
| Total risk-based capital ratio | 32.4101% | 477 |
| Memoranda: | ||
| Average total assets | $135,684,000 | 3,964 |
| Average earning assets | $128,102,000 | 3,887 |
| Average equity | $26,545,500 | 2,506 |
| Average total loans | $72,031,000 | 4,202 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 5,286 |
| Cost of funding earning assets | 0.4130% | 4,503 |
| Net interest margin | 3.2343% | 4,878 |
| Noninterest income to average assets | 0.5257% | 3,587 |
| Noninterest expense to average assets | 2.0324% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4712% | 876 |
| Return on assets (ROA) | 1.5112% | 839 |
| Pretax return on assets | 1.5866% | 1,203 |
| Return on Equity (ROE) | 7.8237% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.2066% | 3,180 |
| Net charge-offs to loans | 0.0146% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 208.9000% | 217 |
| Efficiency ratio | 56.8210% | 5,872 |
| Assets per employee ($millions) | 7.8726% | 502 |
| Cash dividends to net income (ytd only)* | 46.2329% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 5,744 |
| Loan loss allowance to noncurrent loans | 265.4902% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 5,735 |
| Noncurrent loans to loans | 0.3592% | 5,111 |
| Net loans and leases to total assets | 52.5378% | 4,782 |
| Net loans and leases to deposits | 77.4289% | 2,797 |
| Net loans and leases to core deposits | 78.9796% | 3,239 |
| Total domestic deposits to total assets | 67.8530% | 6,589 |
| Equity capital to assets | 19.5173% | 233 |
| Core capital (leverage) ratio | 20.0180% | 199 |
| Tier 1 risk-based capital ratio | 31.8724% | 434 |
| Total risk-based capital ratio | 32.6880% | 443 |
| Memoranda: | ||
| Average total assets | $135,258,000 | 3,974 |
| Average earning assets | $127,600,400 | 3,892 |
| Average equity | $26,125,800 | 2,530 |
| Average total loans | $68,306,800 | 4,330 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 5,498 |
| Cost of funding earning assets | 0.4233% | 4,578 |
| Net interest margin | 3.1568% | 5,125 |
| Noninterest income to average assets | 0.5260% | 3,625 |
| Noninterest expense to average assets | 1.8238% | 6,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5972% | 753 |
| Return on assets (ROA) | 1.6458% | 727 |
| Pretax return on assets | 1.7304% | 1,036 |
| Return on Equity (ROE) | 8.5427% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.7919% | 3,243 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0629% | 6,248 |
| Assets per employee ($millions) | 7.3913% | 615 |
| Cash dividends to net income (ytd only)* | 43.9071% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,650 |
| Loan loss allowance to noncurrent loans | 236.0825% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 5,793 |
| Noncurrent loans to loans | 0.4300% | 5,125 |
| Net loans and leases to total assets | 50.3503% | 5,103 |
| Net loans and leases to deposits | 76.9544% | 2,825 |
| Net loans and leases to core deposits | 78.9078% | 3,240 |
| Total domestic deposits to total assets | 65.4287% | 6,716 |
| Equity capital to assets | 19.6980% | 224 |
| Core capital (leverage) ratio | 19.6653% | 211 |
| Tier 1 risk-based capital ratio | 32.9429% | 402 |
| Total risk-based capital ratio | 33.8036% | 413 |
| Memoranda: | ||
| Average total assets | $135,613,750 | 4,001 |
| Average earning assets | $127,891,250 | 3,923 |
| Average equity | $26,127,000 | 2,571 |
| Average total loans | $67,635,750 | 4,382 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 5,549 |
| Cost of funding earning assets | 0.4324% | 4,636 |
| Net interest margin | 3.1309% | 5,186 |
| Noninterest income to average assets | 0.5466% | 3,521 |
| Noninterest expense to average assets | 1.8158% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5989% | 749 |
| Return on assets (ROA) | 1.6824% | 704 |
| Pretax return on assets | 1.7689% | 981 |
| Return on Equity (ROE) | 8.7968% | 2,714 |
| Retained earnings to average equity (ytd only) | 5.0421% | 3,030 |
| Net charge-offs to loans | -0.0089% | 5,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9279% | 6,282 |
| Assets per employee ($millions) | 7.5406% | 550 |
| Cash dividends to net income (ytd only)* | 42.6829% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 5,728 |
| Loan loss allowance to noncurrent loans | 237.1134% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 5,844 |
| Noncurrent loans to loans | 0.4310% | 5,184 |
| Net loans and leases to total assets | 49.2349% | 5,192 |
| Net loans and leases to deposits | 75.6261% | 2,931 |
| Net loans and leases to core deposits | 77.1781% | 3,400 |
| Total domestic deposits to total assets | 65.1030% | 6,774 |
| Equity capital to assets | 18.6464% | 278 |
| Core capital (leverage) ratio | 19.6178% | 210 |
| Tier 1 risk-based capital ratio | 32.2650% | 429 |
| Total risk-based capital ratio | 33.1208% | 436 |
| Memoranda: | ||
| Average total assets | $136,470,330 | 4,011 |
| Average earning assets | $128,589,330 | 3,933 |
| Average equity | $26,100,330 | 2,576 |
| Average total loans | $67,622,670 | 4,391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5638% | 5,548 |
| Cost of funding earning assets | 0.4559% | 4,528 |
| Net interest margin | 3.1078% | 5,234 |
| Noninterest income to average assets | 0.5700% | 3,302 |
| Noninterest expense to average assets | 1.8036% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6127% | 688 |
| Return on assets (ROA) | 1.7626% | 555 |
| Pretax return on assets | 1.8533% | 800 |
| Return on Equity (ROE) | 9.1033% | 2,440 |
| Retained earnings to average equity (ytd only) | 5.1027% | 3,175 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5455% | 6,406 |
| Assets per employee ($millions) | 7.6981% | 561 |
| Cash dividends to net income (ytd only)* | 43.9469% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 5,867 |
| Loan loss allowance to noncurrent loans | 222.3301% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 5,861 |
| Noncurrent loans to loans | 0.4644% | 5,261 |
| Net loans and leases to total assets | 50.3175% | 4,940 |
| Net loans and leases to deposits | 72.8692% | 3,073 |
| Net loans and leases to core deposits | 74.3301% | 3,534 |
| Total domestic deposits to total assets | 69.0518% | 6,782 |
| Equity capital to assets | 20.3504% | 204 |
| Core capital (leverage) ratio | 18.8400% | 242 |
| Tier 1 risk-based capital ratio | 32.4887% | 432 |
| Total risk-based capital ratio | 33.3574% | 440 |
| Memoranda: | ||
| Average total assets | $136,840,000 | 4,045 |
| Average earning assets | $128,965,000 | 3,962 |
| Average equity | $26,496,000 | 2,567 |
| Average total loans | $67,675,500 | 4,436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 5,310 |
| Cost of funding earning assets | 0.5749% | 4,590 |
| Net interest margin | 3.4233% | 4,804 |
| Noninterest income to average assets | 0.5276% | 3,727 |
| Noninterest expense to average assets | 1.9007% | 6,491 |
| Loan and lease loss provision to assets | 0.0547% | 5,119 |
| Net operating income to assets | 1.7350% | 574 |
| Return on assets (ROA) | 1.8963% | 486 |
| Pretax return on assets | 1.9881% | 618 |
| Return on Equity (ROE) | 10.0944% | 2,132 |
| Retained earnings to average equity (ytd only) | 5.4546% | 2,410 |
| Net charge-offs to loans | 0.1172% | 4,519 |
| Credit loss provision to net charge-offs | 91.4634% | 3,414 |
| Earnings coverage of net charge-offs (x) | 31.3415% | 974 |
| Efficiency ratio | 50.3669% | 6,572 |
| Assets per employee ($millions) | 8.9258% | 329 |
| Cash dividends to net income (ytd only)* | 45.9646% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 5,977 |
| Loan loss allowance to noncurrent loans | 214.0187% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 5,999 |
| Noncurrent loans to loans | 0.4665% | 5,356 |
| Net loans and leases to total assets | 47.7043% | 5,442 |
| Net loans and leases to deposits | 73.7739% | 3,135 |
| Net loans and leases to core deposits | 75.2480% | 3,625 |
| Total domestic deposits to total assets | 64.6629% | 6,924 |
| Equity capital to assets | 18.4577% | 295 |
| Core capital (leverage) ratio | 17.7718% | 297 |
| Tier 1 risk-based capital ratio | 31.2332% | 462 |
| Total risk-based capital ratio | 32.0794% | 469 |
| Memoranda: | ||
| Average total assets | $137,214,800 | 4,002 |
| Average earning assets | $130,110,200 | 3,891 |
| Average equity | $25,776,600 | 2,589 |
| Average total loans | $69,983,800 | 4,361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 5,148 |
| Cost of funding earning assets | 0.5926% | 4,725 |
| Net interest margin | 3.5184% | 4,572 |
| Noninterest income to average assets | 0.5075% | 3,869 |
| Noninterest expense to average assets | 1.6758% | 6,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0648% | 349 |
| Return on assets (ROA) | 2.2746% | 272 |
| Pretax return on assets | 2.3924% | 351 |
| Return on Equity (ROE) | 12.0529% | 1,619 |
| Retained earnings to average equity (ytd only) | 6.8718% | 2,196 |
| Net charge-offs to loans | 0.0569% | 4,858 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 73.7315% | 562 |
| Efficiency ratio | 43.5570% | 6,908 |
| Assets per employee ($millions) | 8.7715% | 361 |
| Cash dividends to net income (ytd only)* | 42.9867% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,135 |
| Loan loss allowance to noncurrent loans | 163.1450% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 5,688 |
| Noncurrent loans to loans | 0.6050% | 5,227 |
| Net loans and leases to total assets | 47.4591% | 5,612 |
| Net loans and leases to deposits | 77.7209% | 2,703 |
| Net loans and leases to core deposits | 79.8738% | 3,221 |
| Total domestic deposits to total assets | 61.0635% | 7,051 |
| Equity capital to assets | 18.9955% | 296 |
| Core capital (leverage) ratio | 18.2510% | 286 |
| Tier 1 risk-based capital ratio | 31.7687% | 454 |
| Total risk-based capital ratio | 32.6034% | 463 |
| Memoranda: | ||
| Average total assets | $135,815,250 | 4,066 |
| Average earning assets | $128,920,250 | 3,961 |
| Average equity | $25,630,750 | 2,624 |
| Average total loans | $70,276,000 | 4,393 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 4,796 |
| Cost of funding earning assets | 0.6110% | 4,802 |
| Net interest margin | 3.6316% | 4,129 |
| Noninterest income to average assets | 0.5123% | 3,845 |
| Noninterest expense to average assets | 1.6693% | 6,865 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.1820% | 289 |
| Return on assets (ROA) | 2.5018% | 203 |
| Pretax return on assets | 2.6313% | 249 |
| Return on Equity (ROE) | 13.2869% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.5293% | 1,849 |
| Net charge-offs to loans | 0.0786% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 55.0357% | 679 |
| Efficiency ratio | 42.1112% | 7,016 |
| Assets per employee ($millions) | 8.1411% | 440 |
| Cash dividends to net income (ytd only)* | 43.3333% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,312 |
| Loan loss allowance to noncurrent loans | 145.7330% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 5,831 |
| Noncurrent loans to loans | 0.6549% | 5,196 |
| Net loans and leases to total assets | 49.9361% | 5,366 |
| Net loans and leases to deposits | 77.6912% | 2,725 |
| Net loans and leases to core deposits | 79.7597% | 3,253 |
| Total domestic deposits to total assets | 64.2750% | 7,078 |
| Equity capital to assets | 18.5572% | 303 |
| Core capital (leverage) ratio | 18.3384% | 278 |
| Tier 1 risk-based capital ratio | 30.8641% | 484 |
| Total risk-based capital ratio | 31.6895% | 496 |
| Memoranda: | ||
| Average total assets | $134,305,670 | 4,110 |
| Average earning assets | $127,658,670 | 4,002 |
| Average equity | $25,288,000 | 2,636 |
| Average total loans | $71,278,000 | 4,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 4,559 |
| Cost of funding earning assets | 0.6365% | 4,841 |
| Net interest margin | 3.7043% | 3,805 |
| Noninterest income to average assets | 0.5141% | 3,820 |
| Noninterest expense to average assets | 1.6936% | 6,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2240% | 278 |
| Return on assets (ROA) | 2.5889% | 189 |
| Pretax return on assets | 2.7250% | 246 |
| Return on Equity (ROE) | 13.6466% | 1,266 |
| Retained earnings to average equity (ytd only) | 6.8711% | 2,491 |
| Net charge-offs to loans | 0.0389% | 4,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 110.5714% | 317 |
| Efficiency ratio | 41.9790% | 7,056 |
| Assets per employee ($millions) | 7.8084% | 533 |
| Cash dividends to net income (ytd only)* | 49.6495% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 6,404 |
| Loan loss allowance to noncurrent loans | 170.8955% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3028% | 6,136 |
| Noncurrent loans to loans | 0.5584% | 5,540 |
| Net loans and leases to total assets | 53.7140% | 4,769 |
| Net loans and leases to deposits | 78.4622% | 2,424 |
| Net loans and leases to core deposits | 82.6285% | 2,743 |
| Total domestic deposits to total assets | 68.4584% | 7,040 |
| Equity capital to assets | 19.0377% | 277 |
| Core capital (leverage) ratio | 18.6304% | 258 |
| Tier 1 risk-based capital ratio | 30.8110% | 493 |
| Total risk-based capital ratio | 31.6792% | 498 |
| Memoranda: | ||
| Average total assets | $132,259,000 | 4,181 |
| Average earning assets | $125,692,000 | 4,069 |
| Average equity | $25,090,500 | 2,651 |
| Average total loans | $72,028,500 | 4,382 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 4,458 |
| Cost of funding earning assets | 0.8108% | 4,786 |
| Net interest margin | 3.8381% | 3,634 |
| Noninterest income to average assets | 0.5705% | 3,361 |
| Noninterest expense to average assets | 1.9789% | 6,710 |
| Loan and lease loss provision to assets | 0.1072% | 5,255 |
| Net operating income to assets | 2.0166% | 301 |
| Return on assets (ROA) | 2.3549% | 180 |
| Pretax return on assets | 2.4767% | 212 |
| Return on Equity (ROE) | 12.9671% | 1,174 |
| Retained earnings to average equity (ytd only) | 7.2742% | 1,374 |
| Net charge-offs to loans | 0.3008% | 3,898 |
| Credit loss provision to net charge-offs | 63.9269% | 5,059 |
| Earnings coverage of net charge-offs (x) | 13.2831% | 1,552 |
| Efficiency ratio | 47.0417% | 6,999 |
| Assets per employee ($millions) | 8.2360% | 435 |
| Cash dividends to net income (ytd only)* | 43.9024% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 6,354 |
| Loan loss allowance to noncurrent loans | 177.9487% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 6,135 |
| Noncurrent loans to loans | 0.5411% | 5,632 |
| Net loans and leases to total assets | 54.1639% | 5,016 |
| Net loans and leases to deposits | 79.8110% | 2,554 |
| Net loans and leases to core deposits | 84.1180% | 2,878 |
| Total domestic deposits to total assets | 67.8652% | 7,080 |
| Equity capital to assets | 18.9033% | 285 |
| Core capital (leverage) ratio | 18.0478% | 295 |
| Tier 1 risk-based capital ratio | 30.5845% | 490 |
| Total risk-based capital ratio | 31.4707% | 497 |
| Memoranda: | ||
| Average total assets | $130,579,000 | 4,155 |
| Average earning assets | $123,706,000 | 4,059 |
| Average equity | $23,713,800 | 2,699 |
| Average total loans | $72,793,800 | 4,386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6732% | 4,579 |
| Cost of funding earning assets | 0.8527% | 4,752 |
| Net interest margin | 3.8205% | 3,765 |
| Noninterest income to average assets | 0.5731% | 3,355 |
| Noninterest expense to average assets | 1.7807% | 7,015 |
| Loan and lease loss provision to assets | 0.0768% | 5,486 |
| Net operating income to assets | 2.2144% | 250 |
| Return on assets (ROA) | 2.6568% | 125 |
| Pretax return on assets | 2.7990% | 165 |
| Return on Equity (ROE) | 14.7823% | 873 |
| Retained earnings to average equity (ytd only) | 8.4617% | 1,329 |
| Net charge-offs to loans | 0.2905% | 3,635 |
| Credit loss provision to net charge-offs | 47.1698% | 5,096 |
| Earnings coverage of net charge-offs (x) | 14.8116% | 1,509 |
| Efficiency ratio | 42.4908% | 7,193 |
| Assets per employee ($millions) | 8.2460% | 428 |
| Cash dividends to net income (ytd only)* | 42.7580% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 6,464 |
| Loan loss allowance to noncurrent loans | 146.5957% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 6,187 |
| Noncurrent loans to loans | 0.6453% | 5,598 |
| Net loans and leases to total assets | 54.6780% | 5,062 |
| Net loans and leases to deposits | 82.1912% | 2,324 |
| Net loans and leases to core deposits | 87.4923% | 2,563 |
| Total domestic deposits to total assets | 66.5254% | 7,184 |
| Equity capital to assets | 18.7697% | 328 |
| Core capital (leverage) ratio | 17.6666% | 353 |
| Tier 1 risk-based capital ratio | 30.5645% | 509 |
| Total risk-based capital ratio | 31.4526% | 519 |
| Memoranda: | ||
| Average total assets | $130,279,750 | 4,192 |
| Average earning assets | $123,367,750 | 4,092 |
| Average equity | $23,414,750 | 2,737 |
| Average total loans | $72,975,000 | 4,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 4,741 |
| Cost of funding earning assets | 0.8905% | 4,752 |
| Net interest margin | 3.7626% | 3,975 |
| Noninterest income to average assets | 0.6043% | 3,107 |
| Noninterest expense to average assets | 1.8177% | 7,064 |
| Loan and lease loss provision to assets | 0.1156% | 4,836 |
| Net operating income to assets | 2.1142% | 295 |
| Return on assets (ROA) | 2.3295% | 225 |
| Pretax return on assets | 2.4544% | 265 |
| Return on Equity (ROE) | 13.1592% | 1,165 |
| Retained earnings to average equity (ytd only) | 5.9743% | 2,452 |
| Net charge-offs to loans | 0.3917% | 2,993 |
| Credit loss provision to net charge-offs | 52.4476% | 4,523 |
| Earnings coverage of net charge-offs (x) | 10.6294% | 1,786 |
| Efficiency ratio | 43.6828% | 7,246 |
| Assets per employee ($millions) | 8.0997% | 438 |
| Cash dividends to net income (ytd only)* | 54.5996% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 6,395 |
| Loan loss allowance to noncurrent loans | 163.5731% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 6,242 |
| Noncurrent loans to loans | 0.6018% | 5,712 |
| Net loans and leases to total assets | 51.5037% | 5,628 |
| Net loans and leases to deposits | 77.6299% | 3,192 |
| Net loans and leases to core deposits | 85.4197% | 3,010 |
| Total domestic deposits to total assets | 66.3452% | 7,254 |
| Equity capital to assets | 17.4240% | 438 |
| Core capital (leverage) ratio | 17.4411% | 371 |
| Tier 1 risk-based capital ratio | 29.5887% | 558 |
| Total risk-based capital ratio | 30.4991% | 567 |
| Memoranda: | ||
| Average total assets | $129,727,670 | 4,236 |
| Average earning assets | $122,629,000 | 4,134 |
| Average equity | $22,965,000 | 2,763 |
| Average total loans | $73,023,670 | 4,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 4,383 |
| Cost of funding earning assets | 0.9495% | 4,572 |
| Net interest margin | 3.7776% | 3,724 |
| Noninterest income to average assets | 0.6903% | 2,626 |
| Noninterest expense to average assets | 1.9023% | 6,984 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.2267% | 248 |
| Return on assets (ROA) | 2.4081% | 203 |
| Pretax return on assets | 2.5353% | 240 |
| Return on Equity (ROE) | 13.4868% | 1,092 |
| Retained earnings to average equity (ytd only) | 3.6879% | 3,963 |
| Net charge-offs to loans | 0.3472% | 2,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.5156% | 1,550 |
| Efficiency ratio | 44.7940% | 7,251 |
| Assets per employee ($millions) | 7.4689% | 594 |
| Cash dividends to net income (ytd only)* | 72.6552% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,481 |
| Loan loss allowance to noncurrent loans | 110.6084% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 5,966 |
| Noncurrent loans to loans | 0.8813% | 5,285 |
| Net loans and leases to total assets | 56.7251% | 4,868 |
| Net loans and leases to deposits | 79.2834% | 2,845 |
| Net loans and leases to core deposits | 85.0274% | 3,025 |
| Total domestic deposits to total assets | 71.5473% | 7,106 |
| Equity capital to assets | 17.8299% | 378 |
| Core capital (leverage) ratio | 18.3611% | 312 |
| Tier 1 risk-based capital ratio | 28.3229% | 615 |
| Total risk-based capital ratio | 29.2181% | 624 |
| Memoranda: | ||
| Average total assets | $125,744,000 | 4,339 |
| Average earning assets | $118,383,000 | 4,250 |
| Average equity | $22,451,500 | 2,806 |
| Average total loans | $73,724,000 | 4,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4295% | 2,553 |
| Cost of funding earning assets | 1.1423% | 4,896 |
| Net interest margin | 4.2873% | 1,868 |
| Noninterest income to average assets | 0.6859% | 2,927 |
| Noninterest expense to average assets | 2.1980% | 6,622 |
| Loan and lease loss provision to assets | 0.1116% | 6,039 |
| Net operating income to assets | 2.3034% | 154 |
| Return on assets (ROA) | 2.4561% | 126 |
| Pretax return on assets | 2.5731% | 168 |
| Return on Equity (ROE) | 12.5154% | 1,217 |
| Retained earnings to average equity (ytd only) | 8.3967% | 867 |
| Net charge-offs to loans | 0.1846% | 5,197 |
| Credit loss provision to net charge-offs | 91.2409% | 5,072 |
| Earnings coverage of net charge-offs (x) | 20.6277% | 994 |
| Efficiency ratio | 46.5481% | 7,338 |
| Assets per employee ($millions) | 7.3245% | 640 |
| Cash dividends to net income (ytd only)* | 32.9091% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 6,221 |
| Loan loss allowance to noncurrent loans | 185.3717% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3349% | 6,412 |
| Noncurrent loans to loans | 0.5581% | 5,933 |
| Net loans and leases to total assets | 59.3827% | 4,773 |
| Net loans and leases to deposits | 80.7428% | 3,037 |
| Net loans and leases to core deposits | 87.5363% | 3,115 |
| Total domestic deposits to total assets | 73.5456% | 6,943 |
| Equity capital to assets | 17.8804% | 383 |
| Core capital (leverage) ratio | 18.0867% | 328 |
| Tier 1 risk-based capital ratio | 27.7988% | 626 |
| Total risk-based capital ratio | 28.7656% | 631 |
| Memoranda: | ||
| Average total assets | $111,965,200 | 4,661 |
| Average earning assets | $105,405,000 | 4,583 |
| Average equity | $21,973,000 | 2,878 |
| Average total loans | $74,199,800 | 4,518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5164% | 2,369 |
| Cost of funding earning assets | 1.1674% | 5,043 |
| Net interest margin | 4.3490% | 1,683 |
| Noninterest income to average assets | 0.6910% | 2,870 |
| Noninterest expense to average assets | 2.0901% | 6,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.5662% | 126 |
| Return on assets (ROA) | 2.7664% | 106 |
| Pretax return on assets | 2.9146% | 133 |
| Return on Equity (ROE) | 13.7468% | 1,084 |
| Retained earnings to average equity (ytd only) | 11.2811% | 560 |
| Net charge-offs to loans | 0.0972% | 5,556 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 40.8693% | 672 |
| Efficiency ratio | 43.5983% | 7,475 |
| Assets per employee ($millions) | 6.5379% | 945 |
| Cash dividends to net income (ytd only)* | 17.9364% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,480 |
| Loan loss allowance to noncurrent loans | 168.4332% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.5838% | 5,980 |
| Noncurrent loans to loans | 0.5813% | 6,049 |
| Net loans and leases to total assets | 62.8205% | 4,365 |
| Net loans and leases to deposits | 90.7918% | 1,609 |
| Net loans and leases to core deposits | 98.4617% | 2,002 |
| Total domestic deposits to total assets | 69.1918% | 7,317 |
| Equity capital to assets | 19.4727% | 322 |
| Core capital (leverage) ratio | 20.3849% | 231 |
| Tier 1 risk-based capital ratio | 28.1436% | 621 |
| Total risk-based capital ratio | 29.0689% | 622 |
| Memoranda: | ||
| Average total assets | $108,827,500 | 4,810 |
| Average earning assets | $102,672,500 | 4,703 |
| Average equity | $21,900,250 | 2,931 |
| Average total loans | $74,071,250 | 4,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 1,747 |
| Cost of funding earning assets | 1.2217% | 5,006 |
| Net interest margin | 4.4817% | 1,242 |
| Noninterest income to average assets | 0.7159% | 2,613 |
| Noninterest expense to average assets | 2.1402% | 6,789 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.6587% | 114 |
| Return on assets (ROA) | 2.8184% | 103 |
| Pretax return on assets | 2.9639% | 132 |
| Return on Equity (ROE) | 13.8394% | 1,073 |
| Retained earnings to average equity (ytd only) | 11.4741% | 572 |
| Net charge-offs to loans | 0.0596% | 5,558 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 67.2727% | 465 |
| Efficiency ratio | 43.3601% | 7,542 |
| Assets per employee ($millions) | 6.0372% | 1,200 |
| Cash dividends to net income (ytd only)* | 17.0912% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,292 |
| Loan loss allowance to noncurrent loans | 227.7612% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 6,118 |
| Noncurrent loans to loans | 0.4501% | 6,348 |
| Net loans and leases to total assets | 67.7823% | 3,428 |
| Net loans and leases to deposits | 98.5906% | 823 |
| Net loans and leases to core deposits | 101.7825% | 1,846 |
| Total domestic deposits to total assets | 68.7513% | 7,398 |
| Equity capital to assets | 20.4592% | 265 |
| Core capital (leverage) ratio | 20.3385% | 228 |
| Tier 1 risk-based capital ratio | 27.6633% | 652 |
| Total risk-based capital ratio | 28.6396% | 658 |
| Memoranda: | ||
| Average total assets | $105,875,670 | 4,916 |
| Average earning assets | $99,695,330 | 4,820 |
| Average equity | $21,561,670 | 2,970 |
| Average total loans | $73,875,000 | 4,647 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 1,280 |
| Cost of funding earning assets | 1.2509% | 5,108 |
| Net interest margin | 4.6167% | 918 |
| Noninterest income to average assets | 0.7198% | 2,467 |
| Noninterest expense to average assets | 2.1095% | 6,913 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.8015% | 109 |
| Return on assets (ROA) | 3.1471% | 91 |
| Pretax return on assets | 3.3117% | 110 |
| Return on Equity (ROE) | 15.4904% | 803 |
| Retained earnings to average equity (ytd only) | 15.4904% | 376 |
| Net charge-offs to loans | 0.1630% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 977 |
| Efficiency ratio | 41.7108% | 7,687 |
| Assets per employee ($millions) | 5.7518% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,334 |
| Loan loss allowance to noncurrent loans | 209.1413% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 6,019 |
| Noncurrent loans to loans | 0.4914% | 6,314 |
| Net loans and leases to total assets | 70.2288% | 2,872 |
| Net loans and leases to deposits | 97.9312% | 915 |
| Net loans and leases to core deposits | 101.1069% | 2,019 |
| Total domestic deposits to total assets | 71.7124% | 7,290 |
| Equity capital to assets | 20.8658% | 247 |
| Core capital (leverage) ratio | 20.5147% | 228 |
| Tier 1 risk-based capital ratio | 27.5707% | 668 |
| Total risk-based capital ratio | 28.5525% | 673 |
| Memoranda: | ||
| Average total assets | $104,478,500 | 5,023 |
| Average earning assets | $98,166,000 | 4,928 |
| Average equity | $21,226,000 | 3,041 |
| Average total loans | $73,601,500 | 4,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0146% | 1,811 |
| Cost of funding earning assets | 1.5758% | 5,151 |
| Net interest margin | 4.4389% | 1,320 |
| Noninterest income to average assets | 0.7065% | 2,920 |
| Noninterest expense to average assets | 2.1982% | 6,999 |
| Loan and lease loss provision to assets | 0.5345% | 3,697 |
| Net operating income to assets | 2.0339% | 215 |
| Return on assets (ROA) | 2.0515% | 222 |
| Pretax return on assets | 2.1506% | 314 |
| Return on Equity (ROE) | 10.5641% | 1,532 |
| Retained earnings to average equity (ytd only) | 6.2003% | 1,270 |
| Net charge-offs to loans | 0.9784% | 2,450 |
| Credit loss provision to net charge-offs | 75.6534% | 6,377 |
| Earnings coverage of net charge-offs (x) | 3.7744% | 3,206 |
| Efficiency ratio | 45.1858% | 7,742 |
| Assets per employee ($millions) | 5.8569% | 1,354 |
| Cash dividends to net income (ytd only)* | 41.3074% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 6,068 |
| Loan loss allowance to noncurrent loans | 199.7455% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 5,791 |
| Noncurrent loans to loans | 0.5330% | 6,185 |
| Net loans and leases to total assets | 69.1996% | 3,437 |
| Net loans and leases to deposits | 95.5120% | 1,393 |
| Net loans and leases to core deposits | 107.8213% | 3,119 |
| Total domestic deposits to total assets | 72.4512% | 7,206 |
| Equity capital to assets | 19.7763% | 313 |
| Core capital (leverage) ratio | 19.5349% | 303 |
| Tier 1 risk-based capital ratio | 26.5720% | 725 |
| Total risk-based capital ratio | 27.5955% | 728 |
| Memoranda: | ||
| Average total assets | $102,901,000 | 5,016 |
| Average earning assets | $96,398,000 | 4,941 |
| Average equity | $19,982,800 | 3,203 |
| Average total loans | $74,305,200 | 4,715 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0551% | 1,815 |
| Cost of funding earning assets | 1.6525% | 5,150 |
| Net interest margin | 4.4026% | 1,433 |
| Noninterest income to average assets | 0.6975% | 3,030 |
| Noninterest expense to average assets | 2.0833% | 7,220 |
| Loan and lease loss provision to assets | 0.4563% | 3,630 |
| Net operating income to assets | 2.1732% | 193 |
| Return on assets (ROA) | 2.1967% | 200 |
| Pretax return on assets | 2.3089% | 285 |
| Return on Equity (ROE) | 11.3659% | 1,522 |
| Retained earnings to average equity (ytd only) | 5.4839% | 2,213 |
| Net charge-offs to loans | 0.8113% | 2,337 |
| Credit loss provision to net charge-offs | 77.2627% | 5,826 |
| Earnings coverage of net charge-offs (x) | 4.6402% | 3,063 |
| Efficiency ratio | 43.1892% | 7,857 |
| Assets per employee ($millions) | 5.7818% | 1,366 |
| Cash dividends to net income (ytd only)* | 51.7509% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,330 |
| Loan loss allowance to noncurrent loans | 90.8034% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.9811% | 5,099 |
| Noncurrent loans to loans | 1.2817% | 4,798 |
| Net loans and leases to total assets | 70.0947% | 3,495 |
| Net loans and leases to deposits | 103.7977% | 790 |
| Net loans and leases to core deposits | 116.9448% | 2,529 |
| Total domestic deposits to total assets | 67.5302% | 7,608 |
| Equity capital to assets | 19.6633% | 365 |
| Core capital (leverage) ratio | 19.5877% | 343 |
| Tier 1 risk-based capital ratio | 26.5360% | 786 |
| Total risk-based capital ratio | 27.6783% | 771 |
| Memoranda: | ||
| Average total assets | $102,270,250 | 5,063 |
| Average earning assets | $95,850,000 | 4,985 |
| Average equity | $19,766,250 | 3,280 |
| Average total loans | $74,447,000 | 4,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 1,738 |
| Cost of funding earning assets | 1.7674% | 4,918 |
| Net interest margin | 4.3492% | 1,525 |
| Noninterest income to average assets | 0.7239% | 2,847 |
| Noninterest expense to average assets | 2.1344% | 7,202 |
| Loan and lease loss provision to assets | 0.6885% | 2,365 |
| Net operating income to assets | 1.8707% | 398 |
| Return on assets (ROA) | 1.9062% | 403 |
| Pretax return on assets | 2.0045% | 562 |
| Return on Equity (ROE) | 9.9213% | 2,048 |
| Retained earnings to average equity (ytd only) | 3.3993% | 3,432 |
| Net charge-offs to loans | 1.1278% | 1,613 |
| Credit loss provision to net charge-offs | 83.1354% | 5,118 |
| Earnings coverage of net charge-offs (x) | 3.2067% | 3,527 |
| Efficiency ratio | 44.5585% | 7,908 |
| Assets per employee ($millions) | 5.6787% | 1,429 |
| Cash dividends to net income (ytd only)* | 65.7379% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 4,908 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0331% | 4,904 |
| Noncurrent loans to loans | 1.4265% | 4,358 |
| Net loans and leases to total assets | 71.5507% | 3,333 |
| Net loans and leases to deposits | 100.5043% | 1,236 |
| Net loans and leases to core deposits | 112.8988% | 3,026 |
| Total domestic deposits to total assets | 71.1917% | 7,341 |
| Equity capital to assets | 19.2003% | 438 |
| Core capital (leverage) ratio | 18.7286% | 440 |
| Tier 1 risk-based capital ratio | 26.2662% | 833 |
| Total risk-based capital ratio | 27.4679% | 814 |
| Memoranda: | ||
| Average total assets | $101,669,670 | 5,114 |
| Average earning assets | $95,053,000 | 5,041 |
| Average equity | $19,533,670 | 3,319 |
| Average total loans | $74,660,000 | 4,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0966% | 1,958 |
| Cost of funding earning assets | 1.8180% | 5,030 |
| Net interest margin | 4.2786% | 1,651 |
| Noninterest income to average assets | 0.7653% | 2,503 |
| Noninterest expense to average assets | 2.0711% | 7,188 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5561% | 118 |
| Return on assets (ROA) | 2.6273% | 130 |
| Pretax return on assets | 2.7615% | 162 |
| Return on Equity (ROE) | 13.6703% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.4189% | 2,889 |
| Net charge-offs to loans | 0.2294% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 15.8372% | 1,584 |
| Efficiency ratio | 43.5323% | 7,948 |
| Assets per employee ($millions) | 5.6347% | 1,446 |
| Cash dividends to net income (ytd only)* | 60.3604% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,637 |
| Loan loss allowance to noncurrent loans | 67.8229% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.5204% | 3,655 |
| Noncurrent loans to loans | 1.8040% | 3,556 |
| Net loans and leases to total assets | 73.1484% | 2,976 |
| Net loans and leases to deposits | 103.3776% | 1,059 |
| Net loans and leases to core deposits | 116.3856% | 2,763 |
| Total domestic deposits to total assets | 70.7584% | 7,353 |
| Equity capital to assets | 19.3396% | 456 |
| Core capital (leverage) ratio | 19.2908% | 430 |
| Tier 1 risk-based capital ratio | 26.3647% | 859 |
| Total risk-based capital ratio | 27.6132% | 843 |
| Memoranda: | ||
| Average total assets | $101,396,000 | 5,136 |
| Average earning assets | $94,609,500 | 5,071 |
| Average equity | $19,487,500 | 3,345 |
| Average total loans | $74,976,000 | 4,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8118% | 1,640 |
| Cost of funding earning assets | 2.1927% | 5,633 |
| Net interest margin | 4.6192% | 1,131 |
| Noninterest income to average assets | 0.7667% | 2,689 |
| Noninterest expense to average assets | 2.1789% | 7,021 |
| Loan and lease loss provision to assets | 0.3849% | 3,384 |
| Net operating income to assets | 2.4067% | 154 |
| Return on assets (ROA) | 2.4067% | 153 |
| Pretax return on assets | 2.5206% | 186 |
| Return on Equity (ROE) | 12.5393% | 1,436 |
| Retained earnings to average equity (ytd only) | 7.0905% | 1,123 |
| Net charge-offs to loans | 0.4373% | 2,644 |
| Credit loss provision to net charge-offs | 117.1875% | 4,599 |
| Earnings coverage of net charge-offs (x) | 8.8469% | 2,810 |
| Efficiency ratio | 42.8543% | 8,045 |
| Assets per employee ($millions) | 5.6316% | 1,367 |
| Cash dividends to net income (ytd only)* | 43.4542% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 3,887 |
| Loan loss allowance to noncurrent loans | 98.9712% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 3,896 |
| Noncurrent loans to loans | 1.2987% | 3,913 |
| Net loans and leases to total assets | 72.8839% | 3,391 |
| Net loans and leases to deposits | 103.1901% | 1,440 |
| Net loans and leases to core deposits | 116.1888% | 3,103 |
| Total domestic deposits to total assets | 70.6308% | 7,211 |
| Equity capital to assets | 19.0987% | 535 |
| Core capital (leverage) ratio | 19.4337% | 477 |
| Tier 1 risk-based capital ratio | 26.3443% | 870 |
| Total risk-based capital ratio | 27.5953% | 854 |
| Memoranda: | ||
| Average total assets | $97,435,800 | 5,126 |
| Average earning assets | $91,076,600 | 5,051 |
| Average equity | $18,701,200 | 3,441 |
| Average total loans | $73,171,200 | 4,767 |