Home > The Farmers Bank > Performance and Condition Ratios
The Farmers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 3,766 |
| Cost of funding earning assets | 1.2946% | 2,535 |
| Net interest margin | 2.8265% | 3,608 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.9429% | 3,751 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7463% | 3,054 |
| Return on assets (ROA) | 0.7300% | 3,089 |
| Pretax return on assets | 0.9414% | 2,839 |
| Return on Equity (ROE) | 8.0300% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.7279% | 1,615 |
| Net charge-offs to loans | -0.0139% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.9145% | 2,495 |
| Assets per employee ($millions) | 7.7962% | 1,540 |
| Cash dividends to net income (ytd only)* | 3.7659% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 1,309 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 61.7100% | 2,699 |
| Net loans and leases to deposits | 69.6747% | 2,910 |
| Net loans and leases to core deposits | 79.0775% | 2,763 |
| Total domestic deposits to total assets | 88.5700% | 1,190 |
| Equity capital to assets | 9.1334% | 2,585 |
| Core capital (leverage) ratio | 9.9036% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4279% | 842 |
| Memoranda: | ||
| Average total assets | $236,446,000 | 2,758 |
| Average earning assets | $225,930,000 | 2,711 |
| Average equity | $21,493,600 | 2,733 |
| Average total loans | $150,809,200 | 2,669 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,783 |
| Cost of funding earning assets | 1.1591% | 2,568 |
| Net interest margin | 2.8791% | 3,591 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.9583% | 3,690 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7712% | 3,111 |
| Return on assets (ROA) | 0.7490% | 3,170 |
| Pretax return on assets | 0.9692% | 2,934 |
| Return on Equity (ROE) | 8.2500% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.9417% | 1,984 |
| Net charge-offs to loans | -0.0205% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.3434% | 2,455 |
| Assets per employee ($millions) | 7.3982% | 1,695 |
| Cash dividends to net income (ytd only)* | 3.7405% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 1,370 |
| Loan loss allowance to noncurrent loans | 231.2700% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 1,459 |
| Noncurrent loans to loans | 0.6139% | 1,322 |
| Net loans and leases to total assets | 63.5500% | 2,498 |
| Net loans and leases to deposits | 71.7972% | 2,721 |
| Net loans and leases to core deposits | 82.1857% | 2,456 |
| Total domestic deposits to total assets | 88.5200% | 1,403 |
| Equity capital to assets | 9.1167% | 2,353 |
| Core capital (leverage) ratio | 10.2330% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4085% | 897 |
| Memoranda: | ||
| Average total assets | $233,187,750 | 2,787 |
| Average earning assets | $222,239,750 | 2,742 |
| Average equity | $21,170,500 | 2,747 |
| Average total loans | $149,467,750 | 2,687 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,859 |
| Cost of funding earning assets | 0.9845% | 2,653 |
| Net interest margin | 2.9218% | 3,605 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.9560% | 3,699 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 0.7963% | 3,094 |
| Return on assets (ROA) | 0.7629% | 3,196 |
| Pretax return on assets | 0.9914% | 2,935 |
| Return on Equity (ROE) | 8.4200% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.1111% | 1,927 |
| Net charge-offs to loans | 0.0296% | 1,299 |
| Credit loss provision to net charge-offs | 454.5455% | 683 |
| Earnings coverage of net charge-offs (x) | 59.0455% | 1,204 |
| Efficiency ratio | 63.5930% | 2,532 |
| Assets per employee ($millions) | 7.3134% | 1,717 |
| Cash dividends to net income (ytd only)* | 3.6158% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 1,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 64.3500% | 2,352 |
| Net loans and leases to deposits | 72.6133% | 2,603 |
| Net loans and leases to core deposits | 82.2758% | 2,315 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 9.1595% | 2,405 |
| Core capital (leverage) ratio | 10.1058% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1465% | 935 |
| Memoranda: | ||
| Average total assets | $232,003,333 | 2,801 |
| Average earning assets | $221,029,333 | 2,755 |
| Average equity | $21,033,000 | 2,770 |
| Average total loans | $148,415,000 | 2,690 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7422% | 3,962 |
| Cost of funding earning assets | 0.8115% | 2,692 |
| Net interest margin | 2.9306% | 3,738 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.9187% | 3,814 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8168% | 3,144 |
| Return on assets (ROA) | 0.7498% | 3,298 |
| Pretax return on assets | 0.9767% | 3,065 |
| Return on Equity (ROE) | 8.3100% | 3,220 |
| Retained earnings to average equity (ytd only) | 8.0071% | 2,215 |
| Net charge-offs to loans | -0.0273% | 4,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6343% | 2,620 |
| Assets per employee ($millions) | 7.2297% | 1,798 |
| Cash dividends to net income (ytd only)* | 3.6952% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 1,768 |
| Loan loss allowance to noncurrent loans | 8,533.3333% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,760 |
| Noncurrent loans to loans | 0.0160% | 3,685 |
| Net loans and leases to total assets | 64.0500% | 2,249 |
| Net loans and leases to deposits | 72.5405% | 2,421 |
| Net loans and leases to core deposits | 81.1329% | 2,172 |
| Total domestic deposits to total assets | 88.2900% | 1,825 |
| Equity capital to assets | 9.1693% | 2,393 |
| Core capital (leverage) ratio | 10.0722% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0736% | 837 |
| Memoranda: | ||
| Average total assets | $230,990,000 | 2,838 |
| Average earning assets | $219,339,000 | 2,801 |
| Average equity | $20,831,500 | 2,815 |
| Average total loans | $146,295,000 | 2,738 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3187% | 3,542 |
| Cost of funding earning assets | 0.2904% | 2,959 |
| Net interest margin | 3.0282% | 3,368 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.9018% | 3,817 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9122% | 2,907 |
| Return on assets (ROA) | 0.9122% | 2,849 |
| Pretax return on assets | 1.1969% | 2,444 |
| Return on Equity (ROE) | 10.2200% | 2,742 |
| Retained earnings to average equity (ytd only) | 9.8986% | 1,191 |
| Net charge-offs to loans | -0.0261% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.9358% | 3,064 |
| Assets per employee ($millions) | 7.2072% | 1,818 |
| Cash dividends to net income (ytd only)* | 3.1553% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,512 |
| Loan loss allowance to noncurrent loans | 8,291.6667% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,783 |
| Noncurrent loans to loans | 0.0169% | 3,714 |
| Net loans and leases to total assets | 60.8700% | 2,568 |
| Net loans and leases to deposits | 68.6628% | 2,690 |
| Net loans and leases to core deposits | 77.3016% | 2,327 |
| Total domestic deposits to total assets | 88.6400% | 1,831 |
| Equity capital to assets | 8.8670% | 2,445 |
| Core capital (leverage) ratio | 9.8162% | 2,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3973% | 911 |
| Memoranda: | ||
| Average total assets | $225,836,600 | 2,870 |
| Average earning assets | $213,821,000 | 2,838 |
| Average equity | $20,154,400 | 2,944 |
| Average total loans | $130,387,000 | 2,823 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2071% | 3,416 |
| Cost of funding earning assets | 0.2228% | 3,013 |
| Net interest margin | 2.9843% | 3,257 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9130% | 3,723 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8856% | 2,939 |
| Return on assets (ROA) | 0.8856% | 2,907 |
| Pretax return on assets | 1.1615% | 2,522 |
| Return on Equity (ROE) | 9.9100% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.5812% | 1,463 |
| Net charge-offs to loans | -0.1361% | 4,568 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7426% | 3,022 |
| Assets per employee ($millions) | 7.1653% | 1,829 |
| Cash dividends to net income (ytd only)* | 3.2842% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,333 |
| Loan loss allowance to noncurrent loans | 938.0734% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 2,992 |
| Noncurrent loans to loans | 0.1583% | 2,817 |
| Net loans and leases to total assets | 59.1800% | 2,586 |
| Net loans and leases to deposits | 64.8823% | 2,802 |
| Net loans and leases to core deposits | 74.4148% | 2,317 |
| Total domestic deposits to total assets | 91.2200% | 1,151 |
| Equity capital to assets | 8.4588% | 2,574 |
| Core capital (leverage) ratio | 9.7399% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3850% | 937 |
| Memoranda: | ||
| Average total assets | $224,638,000 | 2,891 |
| Average earning assets | $213,020,250 | 2,861 |
| Average equity | $20,080,500 | 2,986 |
| Average total loans | $127,392,500 | 2,853 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0750% | 3,362 |
| Cost of funding earning assets | 0.1894% | 3,054 |
| Net interest margin | 2.8856% | 3,209 |
| Noninterest income to average assets | 0.3362% | 3,143 |
| Noninterest expense to average assets | 1.8889% | 3,734 |
| Loan and lease loss provision to assets | 0.0753% | 1,280 |
| Net operating income to assets | 0.8427% | 2,810 |
| Return on assets (ROA) | 0.8427% | 2,781 |
| Pretax return on assets | 1.1036% | 2,396 |
| Return on Equity (ROE) | 9.2570% | 2,612 |
| Retained earnings to average equity (ytd only) | 8.9418% | 1,303 |
| Net charge-offs to loans | -0.2388% | 4,617 |
| Credit loss provision to net charge-offs | -56.7568% | 3,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5722% | 3,096 |
| Assets per employee ($millions) | 7.1593% | 1,839 |
| Cash dividends to net income (ytd only)* | 3.4043% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,171 |
| Loan loss allowance to noncurrent loans | 50,525.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 4,059 |
| Noncurrent loans to loans | 0.0032% | 3,981 |
| Net loans and leases to total assets | 54.5339% | 2,905 |
| Net loans and leases to deposits | 59.9225% | 3,054 |
| Net loans and leases to core deposits | 68.3891% | 2,617 |
| Total domestic deposits to total assets | 91.0073% | 1,243 |
| Equity capital to assets | 8.7033% | 2,611 |
| Core capital (leverage) ratio | 9.6512% | 2,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2851% | 816 |
| Memoranda: | ||
| Average total assets | $223,088,000 | 2,922 |
| Average earning assets | $211,186,000 | 2,909 |
| Average equity | $20,309,000 | 3,042 |
| Average total loans | $123,941,000 | 2,905 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9667% | 3,349 |
| Cost of funding earning assets | 0.1905% | 2,941 |
| Net interest margin | 2.7762% | 3,209 |
| Noninterest income to average assets | 0.3362% | 3,080 |
| Noninterest expense to average assets | 1.9247% | 3,622 |
| Loan and lease loss provision to assets | 0.0763% | 1,073 |
| Net operating income to assets | 0.7524% | 2,846 |
| Return on assets (ROA) | 0.7524% | 2,841 |
| Pretax return on assets | 0.9833% | 2,489 |
| Return on Equity (ROE) | 8.0804% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.7681% | 1,649 |
| Net charge-offs to loans | 0.0294% | 1,020 |
| Credit loss provision to net charge-offs | 466.6667% | 539 |
| Earnings coverage of net charge-offs (x) | 64.7778% | 829 |
| Efficiency ratio | 64.4945% | 2,968 |
| Assets per employee ($millions) | 7.0942% | 1,929 |
| Cash dividends to net income (ytd only)* | 3.8647% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 55.1173% | 2,621 |
| Net loans and leases to deposits | 60.8373% | 2,826 |
| Net loans and leases to core deposits | 69.6704% | 2,321 |
| Total domestic deposits to total assets | 90.5979% | 1,245 |
| Equity capital to assets | 9.0951% | 2,628 |
| Core capital (leverage) ratio | 9.7057% | 2,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4921% | 827 |
| Memoranda: | ||
| Average total assets | $220,083,000 | 2,965 |
| Average earning assets | $209,930,500 | 2,930 |
| Average equity | $20,494,000 | 3,104 |
| Average total loans | $122,433,000 | 2,926 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 3,887 |
| Cost of funding earning assets | 0.2239% | 3,209 |
| Net interest margin | 2.7678% | 3,734 |
| Noninterest income to average assets | 0.6458% | 1,960 |
| Noninterest expense to average assets | 1.9916% | 3,698 |
| Loan and lease loss provision to assets | 0.0804% | 1,523 |
| Net operating income to assets | 0.9029% | 3,033 |
| Return on assets (ROA) | 0.9120% | 3,059 |
| Pretax return on assets | 1.2017% | 2,660 |
| Return on Equity (ROE) | 9.4066% | 2,754 |
| Retained earnings to average equity (ytd only) | 9.0856% | 1,169 |
| Net charge-offs to loans | 0.1020% | 844 |
| Credit loss provision to net charge-offs | 143.5897% | 1,519 |
| Earnings coverage of net charge-offs (x) | 22.6838% | 1,792 |
| Efficiency ratio | 61.0508% | 2,988 |
| Assets per employee ($millions) | 7.1047% | 1,859 |
| Cash dividends to net income (ytd only)* | 3.4121% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,669 |
| Loan loss allowance to noncurrent loans | 5,963.3333% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,004 |
| Noncurrent loans to loans | 0.0246% | 3,894 |
| Net loans and leases to total assets | 54.5031% | 2,788 |
| Net loans and leases to deposits | 60.4044% | 3,043 |
| Net loans and leases to core deposits | 69.0478% | 2,543 |
| Total domestic deposits to total assets | 90.2305% | 854 |
| Equity capital to assets | 9.5284% | 3,121 |
| Core capital (leverage) ratio | 9.4272% | 2,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5633% | 811 |
| Memoranda: | ||
| Average total assets | $208,875,400 | 2,994 |
| Average earning assets | $197,448,600 | 2,974 |
| Average equity | $20,251,800 | 3,193 |
| Average total loans | $114,687,000 | 2,997 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9892% | 4,021 |
| Cost of funding earning assets | 0.2289% | 3,338 |
| Net interest margin | 2.7604% | 3,865 |
| Noninterest income to average assets | 0.6724% | 1,921 |
| Noninterest expense to average assets | 2.0216% | 3,606 |
| Loan and lease loss provision to assets | 0.0636% | 1,725 |
| Net operating income to assets | 0.8976% | 3,255 |
| Return on assets (ROA) | 0.9099% | 3,290 |
| Pretax return on assets | 1.2017% | 2,928 |
| Return on Equity (ROE) | 9.3412% | 2,989 |
| Retained earnings to average equity (ytd only) | 9.0157% | 1,684 |
| Net charge-offs to loans | -0.0555% | 4,402 |
| Credit loss provision to net charge-offs | -208.5106% | 3,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8002% | 2,730 |
| Assets per employee ($millions) | 7.0236% | 1,853 |
| Cash dividends to net income (ytd only)* | 3.4851% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6200% | 1,287 |
| Loan loss allowance to noncurrent loans | 980.7292% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 3,509 |
| Noncurrent loans to loans | 0.1652% | 3,295 |
| Net loans and leases to total assets | 52.5208% | 3,140 |
| Net loans and leases to deposits | 58.2933% | 3,383 |
| Net loans and leases to core deposits | 66.1664% | 2,937 |
| Total domestic deposits to total assets | 90.0974% | 732 |
| Equity capital to assets | 9.5099% | 3,354 |
| Core capital (leverage) ratio | 9.6231% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1374% | 790 |
| Memoranda: | ||
| Average total assets | $206,032,750 | 3,054 |
| Average earning assets | $193,979,500 | 3,038 |
| Average equity | $20,068,250 | 3,246 |
| Average total loans | $112,901,250 | 3,071 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0006% | 4,045 |
| Cost of funding earning assets | 0.2385% | 3,393 |
| Net interest margin | 2.7620% | 3,872 |
| Noninterest income to average assets | 0.6748% | 1,908 |
| Noninterest expense to average assets | 2.0165% | 3,653 |
| Loan and lease loss provision to assets | 0.0554% | 1,920 |
| Net operating income to assets | 0.9143% | 3,179 |
| Return on assets (ROA) | 0.9330% | 3,200 |
| Pretax return on assets | 1.2388% | 2,805 |
| Return on Equity (ROE) | 9.4985% | 2,951 |
| Retained earnings to average equity (ytd only) | 9.1762% | 1,657 |
| Net charge-offs to loans | -0.0948% | 4,613 |
| Credit loss provision to net charge-offs | -105.6604% | 3,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3486% | 2,822 |
| Assets per employee ($millions) | 6.6587% | 2,052 |
| Cash dividends to net income (ytd only)* | 3.3934% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,192 |
| Loan loss allowance to noncurrent loans | 951.5464% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,583 |
| Noncurrent loans to loans | 0.1724% | 3,354 |
| Net loans and leases to total assets | 53.6295% | 3,175 |
| Net loans and leases to deposits | 59.7656% | 3,409 |
| Net loans and leases to core deposits | 66.6269% | 3,059 |
| Total domestic deposits to total assets | 89.7331% | 902 |
| Equity capital to assets | 9.8130% | 3,041 |
| Core capital (leverage) ratio | 9.7987% | 2,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0183% | 705 |
| Memoranda: | ||
| Average total assets | $202,133,333 | 3,083 |
| Average earning assets | $191,164,000 | 3,056 |
| Average equity | $19,855,667 | 3,263 |
| Average total loans | $111,789,333 | 3,102 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9651% | 4,155 |
| Cost of funding earning assets | 0.2667% | 3,309 |
| Net interest margin | 2.6984% | 3,972 |
| Noninterest income to average assets | 0.6060% | 2,179 |
| Noninterest expense to average assets | 1.9801% | 3,783 |
| Loan and lease loss provision to assets | 0.0280% | 2,418 |
| Net operating income to assets | 0.8760% | 3,191 |
| Return on assets (ROA) | 0.8760% | 3,274 |
| Pretax return on assets | 1.1481% | 2,993 |
| Return on Equity (ROE) | 8.9135% | 3,059 |
| Retained earnings to average equity (ytd only) | 8.5879% | 2,067 |
| Net charge-offs to loans | -0.1400% | 4,720 |
| Credit loss provision to net charge-offs | -35.8974% | 2,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7376% | 2,642 |
| Assets per employee ($millions) | 6.6522% | 2,057 |
| Cash dividends to net income (ytd only)* | 3.6530% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,316 |
| Loan loss allowance to noncurrent loans | 600.6711% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 3,451 |
| Noncurrent loans to loans | 0.2651% | 3,155 |
| Net loans and leases to total assets | 53.6432% | 3,275 |
| Net loans and leases to deposits | 59.6101% | 3,512 |
| Net loans and leases to core deposits | 65.1515% | 3,305 |
| Total domestic deposits to total assets | 89.9902% | 828 |
| Equity capital to assets | 9.5957% | 3,108 |
| Core capital (leverage) ratio | 9.8331% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1083% | 672 |
| Memoranda: | ||
| Average total assets | $199,990,000 | 3,089 |
| Average earning assets | $189,001,000 | 3,060 |
| Average equity | $19,655,500 | 3,271 |
| Average total loans | $111,410,000 | 3,109 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 3,674 |
| Cost of funding earning assets | 0.5450% | 2,639 |
| Net interest margin | 3.1159% | 3,592 |
| Noninterest income to average assets | 0.5706% | 2,331 |
| Noninterest expense to average assets | 2.3259% | 3,338 |
| Loan and lease loss provision to assets | 0.0958% | 3,146 |
| Net operating income to assets | 0.8836% | 2,766 |
| Return on assets (ROA) | 0.8836% | 2,905 |
| Pretax return on assets | 1.1054% | 2,671 |
| Return on Equity (ROE) | 8.3106% | 2,684 |
| Retained earnings to average equity (ytd only) | 7.9621% | 1,064 |
| Net charge-offs to loans | 0.0086% | 3,023 |
| Credit loss provision to net charge-offs | 1,866.6667% | 465 |
| Earnings coverage of net charge-offs (x) | 234.1111% | 421 |
| Efficiency ratio | 65.9447% | 2,542 |
| Assets per employee ($millions) | 6.6814% | 1,794 |
| Cash dividends to net income (ytd only)* | 4.1935% | 3,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,367 |
| Loan loss allowance to noncurrent loans | 573.5974% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 3,492 |
| Noncurrent loans to loans | 0.2744% | 3,207 |
| Net loans and leases to total assets | 56.0843% | 3,292 |
| Net loans and leases to deposits | 62.7229% | 3,547 |
| Net loans and leases to core deposits | 68.4505% | 3,380 |
| Total domestic deposits to total assets | 89.4159% | 804 |
| Equity capital to assets | 10.0758% | 3,058 |
| Core capital (leverage) ratio | 9.9976% | 2,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8150% | 793 |
| Memoranda: | ||
| Average total assets | $175,418,400 | 3,147 |
| Average earning assets | $166,436,800 | 3,105 |
| Average equity | $18,650,800 | 3,311 |
| Average total loans | $104,363,800 | 3,176 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 3,648 |
| Cost of funding earning assets | 0.6015% | 2,606 |
| Net interest margin | 3.1669% | 3,570 |
| Noninterest income to average assets | 0.5292% | 2,480 |
| Noninterest expense to average assets | 2.3640% | 3,240 |
| Loan and lease loss provision to assets | 0.0983% | 3,096 |
| Net operating income to assets | 0.8624% | 2,851 |
| Return on assets (ROA) | 0.8624% | 2,990 |
| Pretax return on assets | 1.0786% | 2,815 |
| Return on Equity (ROE) | 7.9928% | 2,810 |
| Retained earnings to average equity (ytd only) | 7.6384% | 1,445 |
| Net charge-offs to loans | 0.0039% | 3,026 |
| Credit loss provision to net charge-offs | 4,200.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 502.6667% | 228 |
| Efficiency ratio | 66.7622% | 2,358 |
| Assets per employee ($millions) | 6.0255% | 2,241 |
| Cash dividends to net income (ytd only)* | 4.4344% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 1,158 |
| Loan loss allowance to noncurrent loans | 294.4637% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 2,867 |
| Noncurrent loans to loans | 0.5368% | 2,456 |
| Net loans and leases to total assets | 58.6214% | 3,362 |
| Net loans and leases to deposits | 66.0391% | 3,619 |
| Net loans and leases to core deposits | 72.5553% | 3,426 |
| Total domestic deposits to total assets | 88.7677% | 872 |
| Equity capital to assets | 10.5546% | 2,743 |
| Core capital (leverage) ratio | 10.4003% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7825% | 810 |
| Memoranda: | ||
| Average total assets | $170,832,500 | 3,170 |
| Average earning assets | $162,466,000 | 3,132 |
| Average equity | $18,432,750 | 3,326 |
| Average total loans | $102,852,750 | 3,202 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 3,648 |
| Cost of funding earning assets | 0.6602% | 2,627 |
| Net interest margin | 3.2308% | 3,575 |
| Noninterest income to average assets | 0.4740% | 2,691 |
| Noninterest expense to average assets | 2.4164% | 3,210 |
| Loan and lease loss provision to assets | 0.1003% | 3,016 |
| Net operating income to assets | 0.8333% | 2,922 |
| Return on assets (ROA) | 0.8333% | 3,044 |
| Pretax return on assets | 1.0423% | 2,895 |
| Return on Equity (ROE) | 7.6630% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.3117% | 1,532 |
| Net charge-offs to loans | -0.0079% | 4,143 |
| Credit loss provision to net charge-offs | -2,100.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8967% | 2,244 |
| Assets per employee ($millions) | 5.6990% | 2,448 |
| Cash dividends to net income (ytd only)* | 4.5845% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,013 |
| Loan loss allowance to noncurrent loans | 284.9573% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 2,981 |
| Noncurrent loans to loans | 0.5615% | 2,479 |
| Net loans and leases to total assets | 58.0317% | 3,512 |
| Net loans and leases to deposits | 65.4854% | 3,764 |
| Net loans and leases to core deposits | 71.8569% | 3,598 |
| Total domestic deposits to total assets | 88.6177% | 900 |
| Equity capital to assets | 10.6193% | 2,646 |
| Core capital (leverage) ratio | 10.5270% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $167,521,667 | 3,176 |
| Average earning assets | $159,960,333 | 3,133 |
| Average equity | $18,217,333 | 3,342 |
| Average total loans | $101,247,333 | 3,216 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0998% | 3,528 |
| Cost of funding earning assets | 0.7394% | 2,724 |
| Net interest margin | 3.3605% | 3,422 |
| Noninterest income to average assets | 0.3879% | 3,185 |
| Noninterest expense to average assets | 2.4572% | 3,399 |
| Loan and lease loss provision to assets | 0.1031% | 2,393 |
| Net operating income to assets | 0.8322% | 2,788 |
| Return on assets (ROA) | 0.8322% | 2,872 |
| Pretax return on assets | 1.0408% | 2,697 |
| Return on Equity (ROE) | 7.5562% | 2,713 |
| Retained earnings to average equity (ytd only) | 7.1996% | 1,471 |
| Net charge-offs to loans | -0.0040% | 3,793 |
| Credit loss provision to net charge-offs | -4,200.0000% | 3,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2345% | 2,627 |
| Assets per employee ($millions) | 5.2708% | 2,355 |
| Cash dividends to net income (ytd only)* | 4.7198% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 1,021 |
| Loan loss allowance to noncurrent loans | 378.0886% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 3,406 |
| Noncurrent loans to loans | 0.4286% | 2,966 |
| Net loans and leases to total assets | 60.2720% | 3,468 |
| Net loans and leases to deposits | 68.2164% | 3,716 |
| Net loans and leases to core deposits | 75.8973% | 3,500 |
| Total domestic deposits to total assets | 88.3541% | 951 |
| Equity capital to assets | 11.1459% | 2,733 |
| Core capital (leverage) ratio | 11.1261% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7246% | 776 |
| Memoranda: | ||
| Average total assets | $162,948,000 | 3,188 |
| Average earning assets | $155,812,000 | 3,138 |
| Average equity | $17,945,500 | 3,374 |
| Average total loans | $99,775,500 | 3,227 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 3,081 |
| Cost of funding earning assets | 0.8418% | 2,478 |
| Net interest margin | 3.6197% | 3,079 |
| Noninterest income to average assets | 0.4326% | 3,089 |
| Noninterest expense to average assets | 2.6229% | 3,114 |
| Loan and lease loss provision to assets | 0.0967% | 2,104 |
| Net operating income to assets | 0.9317% | 3,084 |
| Return on assets (ROA) | 0.9317% | 3,165 |
| Pretax return on assets | 1.1651% | 2,968 |
| Return on Equity (ROE) | 8.4232% | 2,975 |
| Retained earnings to average equity (ytd only) | 8.0368% | 966 |
| Net charge-offs to loans | -0.0131% | 4,539 |
| Credit loss provision to net charge-offs | -1,130.7692% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5186% | 2,527 |
| Assets per employee ($millions) | 5.2419% | 2,293 |
| Cash dividends to net income (ytd only)* | 4.5872% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,002 |
| Loan loss allowance to noncurrent loans | 4,048.7179% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,537 |
| Noncurrent loans to loans | 0.0392% | 4,407 |
| Net loans and leases to total assets | 60.2265% | 3,566 |
| Net loans and leases to deposits | 68.0542% | 3,814 |
| Net loans and leases to core deposits | 74.7643% | 3,659 |
| Total domestic deposits to total assets | 88.4978% | 889 |
| Equity capital to assets | 10.8794% | 3,108 |
| Core capital (leverage) ratio | 10.5994% | 2,859 |
| Tier 1 risk-based capital ratio | 19.3284% | 1,454 |
| Total risk-based capital ratio | 20.5838% | 1,416 |
| Memoranda: | ||
| Average total assets | $152,086,000 | 3,268 |
| Average earning assets | $145,038,000 | 3,219 |
| Average equity | $16,822,600 | 3,458 |
| Average total loans | $99,425,600 | 3,233 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 3,122 |
| Cost of funding earning assets | 0.8489% | 2,471 |
| Net interest margin | 3.6328% | 3,160 |
| Noninterest income to average assets | 0.4121% | 3,244 |
| Noninterest expense to average assets | 2.6553% | 2,997 |
| Loan and lease loss provision to assets | 0.1124% | 1,739 |
| Net operating income to assets | 0.8821% | 3,410 |
| Return on assets (ROA) | 0.8821% | 3,490 |
| Pretax return on assets | 1.1024% | 3,289 |
| Return on Equity (ROE) | 7.9395% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.5461% | 1,597 |
| Net charge-offs to loans | -0.0188% | 4,570 |
| Credit loss provision to net charge-offs | -900.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6103% | 2,321 |
| Assets per employee ($millions) | 5.0090% | 2,555 |
| Cash dividends to net income (ytd only)* | 4.9544% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 1,055 |
| Loan loss allowance to noncurrent loans | 3,994.8718% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,614 |
| Noncurrent loans to loans | 0.0394% | 4,479 |
| Net loans and leases to total assets | 62.8134% | 3,408 |
| Net loans and leases to deposits | 71.2456% | 3,664 |
| Net loans and leases to core deposits | 77.2134% | 3,615 |
| Total domestic deposits to total assets | 88.1645% | 967 |
| Equity capital to assets | 11.1599% | 2,957 |
| Core capital (leverage) ratio | 11.1133% | 2,549 |
| Tier 1 risk-based capital ratio | 18.9927% | 1,570 |
| Total risk-based capital ratio | 20.2480% | 1,543 |
| Memoranda: | ||
| Average total assets | $149,482,500 | 3,338 |
| Average earning assets | $142,294,250 | 3,282 |
| Average equity | $16,608,500 | 3,506 |
| Average total loans | $99,420,250 | 3,276 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 3,173 |
| Cost of funding earning assets | 0.8390% | 2,456 |
| Net interest margin | 3.6151% | 3,208 |
| Noninterest income to average assets | 0.3836% | 3,379 |
| Noninterest expense to average assets | 2.7082% | 2,876 |
| Loan and lease loss provision to assets | 0.1139% | 1,650 |
| Net operating income to assets | 0.8038% | 3,640 |
| Return on assets (ROA) | 0.8038% | 3,701 |
| Pretax return on assets | 1.0017% | 3,537 |
| Return on Equity (ROE) | 7.2457% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.8547% | 1,875 |
| Net charge-offs to loans | 0.0241% | 2,366 |
| Credit loss provision to net charge-offs | 700.0000% | 464 |
| Earnings coverage of net charge-offs (x) | 68.5833% | 905 |
| Efficiency ratio | 70.8259% | 2,093 |
| Assets per employee ($millions) | 4.9277% | 2,569 |
| Cash dividends to net income (ytd only)* | 5.3963% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5229% | 1,205 |
| Loan loss allowance to noncurrent loans | 517.7083% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,828 |
| Noncurrent loans to loans | 0.2942% | 3,479 |
| Net loans and leases to total assets | 63.1147% | 3,436 |
| Net loans and leases to deposits | 71.4495% | 3,728 |
| Net loans and leases to core deposits | 77.0486% | 3,643 |
| Total domestic deposits to total assets | 88.3346% | 949 |
| Equity capital to assets | 11.0644% | 2,982 |
| Core capital (leverage) ratio | 11.0865% | 2,517 |
| Tier 1 risk-based capital ratio | 18.5582% | 1,650 |
| Total risk-based capital ratio | 19.8125% | 1,615 |
| Memoranda: | ||
| Average total assets | $147,550,330 | 3,383 |
| Average earning assets | $140,412,330 | 3,324 |
| Average equity | $16,368,330 | 3,524 |
| Average total loans | $99,529,000 | 3,291 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 3,205 |
| Cost of funding earning assets | 0.7771% | 2,652 |
| Net interest margin | 3.6283% | 3,143 |
| Noninterest income to average assets | 0.3781% | 3,336 |
| Noninterest expense to average assets | 2.7403% | 2,775 |
| Loan and lease loss provision to assets | 0.1159% | 1,518 |
| Net operating income to assets | 0.7920% | 3,652 |
| Return on assets (ROA) | 0.7920% | 3,699 |
| Pretax return on assets | 0.9880% | 3,481 |
| Return on Equity (ROE) | 7.1298% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.7323% | 2,145 |
| Net charge-offs to loans | -0.0080% | 4,144 |
| Credit loss provision to net charge-offs | -2,100.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2850% | 2,148 |
| Assets per employee ($millions) | 4.8040% | 2,785 |
| Cash dividends to net income (ytd only)* | 5.5749% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,494 |
| Loan loss allowance to noncurrent loans | 850.0000% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,233 |
| Noncurrent loans to loans | 0.1712% | 3,983 |
| Net loans and leases to total assets | 66.4876% | 2,977 |
| Net loans and leases to deposits | 75.1408% | 3,341 |
| Net loans and leases to core deposits | 81.9784% | 3,186 |
| Total domestic deposits to total assets | 88.4841% | 1,098 |
| Equity capital to assets | 11.0029% | 2,849 |
| Core capital (leverage) ratio | 11.3801% | 2,227 |
| Tier 1 risk-based capital ratio | 18.0910% | 1,774 |
| Total risk-based capital ratio | 19.3450% | 1,728 |
| Memoranda: | ||
| Average total assets | $144,945,500 | 3,445 |
| Average earning assets | $138,467,000 | 3,389 |
| Average equity | $16,101,500 | 3,566 |
| Average total loans | $100,341,000 | 3,322 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 2,768 |
| Cost of funding earning assets | 0.4218% | 3,843 |
| Net interest margin | 3.9753% | 2,077 |
| Noninterest income to average assets | 0.4267% | 3,262 |
| Noninterest expense to average assets | 2.8509% | 2,516 |
| Loan and lease loss provision to assets | 0.1166% | 1,888 |
| Net operating income to assets | 0.9572% | 3,190 |
| Return on assets (ROA) | 0.9577% | 3,187 |
| Pretax return on assets | 1.2168% | 2,825 |
| Return on Equity (ROE) | 8.8286% | 3,081 |
| Retained earnings to average equity (ytd only) | 8.3975% | 1,083 |
| Net charge-offs to loans | 0.0042% | 3,577 |
| Credit loss provision to net charge-offs | 4,050.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 224 |
| Efficiency ratio | 68.1459% | 2,513 |
| Assets per employee ($millions) | 4.5473% | 3,095 |
| Cash dividends to net income (ytd only)* | 4.8835% | 3,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,576 |
| Loan loss allowance to noncurrent loans | 810.8571% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 4,202 |
| Noncurrent loans to loans | 0.1746% | 3,966 |
| Net loans and leases to total assets | 70.0767% | 2,552 |
| Net loans and leases to deposits | 79.7367% | 2,984 |
| Net loans and leases to core deposits | 87.1681% | 2,820 |
| Total domestic deposits to total assets | 87.8851% | 1,352 |
| Equity capital to assets | 11.2204% | 2,499 |
| Core capital (leverage) ratio | 11.2534% | 2,304 |
| Tier 1 risk-based capital ratio | 17.9138% | 1,780 |
| Total risk-based capital ratio | 19.1673% | 1,738 |
| Memoranda: | ||
| Average total assets | $138,975,600 | 3,523 |
| Average earning assets | $131,334,800 | 3,480 |
| Average equity | $15,076,000 | 3,634 |
| Average total loans | $95,468,800 | 3,375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 2,883 |
| Cost of funding earning assets | 0.3640% | 4,090 |
| Net interest margin | 3.9575% | 2,095 |
| Noninterest income to average assets | 0.4342% | 3,258 |
| Noninterest expense to average assets | 2.8702% | 2,399 |
| Loan and lease loss provision to assets | 0.1165% | 1,744 |
| Net operating income to assets | 0.9195% | 3,436 |
| Return on assets (ROA) | 0.9195% | 3,439 |
| Pretax return on assets | 1.1746% | 3,097 |
| Return on Equity (ROE) | 8.5509% | 3,311 |
| Retained earnings to average equity (ytd only) | 8.1122% | 1,598 |
| Net charge-offs to loans | -0.0071% | 4,306 |
| Credit loss provision to net charge-offs | -2,420.0000% | 4,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9727% | 2,362 |
| Assets per employee ($millions) | 4.4197% | 3,243 |
| Cash dividends to net income (ytd only)* | 5.1308% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,598 |
| Loan loss allowance to noncurrent loans | 642.1296% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,172 |
| Noncurrent loans to loans | 0.2225% | 3,913 |
| Net loans and leases to total assets | 69.8545% | 2,674 |
| Net loans and leases to deposits | 78.9978% | 3,139 |
| Net loans and leases to core deposits | 85.5545% | 3,041 |
| Total domestic deposits to total assets | 88.4258% | 1,079 |
| Equity capital to assets | 11.0837% | 2,591 |
| Core capital (leverage) ratio | 11.6072% | 2,080 |
| Tier 1 risk-based capital ratio | 18.2099% | 1,739 |
| Total risk-based capital ratio | 19.4638% | 1,692 |
| Memoranda: | ||
| Average total assets | $138,477,750 | 3,562 |
| Average earning assets | $130,415,250 | 3,523 |
| Average equity | $14,890,750 | 3,678 |
| Average total loans | $94,285,000 | 3,428 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 2,918 |
| Cost of funding earning assets | 0.3259% | 4,232 |
| Net interest margin | 3.9313% | 2,101 |
| Noninterest income to average assets | 0.4145% | 3,396 |
| Noninterest expense to average assets | 2.8482% | 2,510 |
| Loan and lease loss provision to assets | 0.1166% | 1,701 |
| Net operating income to assets | 0.9024% | 3,444 |
| Return on assets (ROA) | 0.9024% | 3,451 |
| Pretax return on assets | 1.1470% | 3,142 |
| Return on Equity (ROE) | 8.4774% | 3,276 |
| Retained earnings to average equity (ytd only) | 8.0447% | 1,612 |
| Net charge-offs to loans | -0.0086% | 4,272 |
| Credit loss provision to net charge-offs | -2,025.0000% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2685% | 2,435 |
| Assets per employee ($millions) | 4.4296% | 3,236 |
| Cash dividends to net income (ytd only)* | 5.1037% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,602 |
| Loan loss allowance to noncurrent loans | 836.0248% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 4,407 |
| Noncurrent loans to loans | 0.1722% | 4,138 |
| Net loans and leases to total assets | 67.1250% | 2,997 |
| Net loans and leases to deposits | 75.7244% | 3,367 |
| Net loans and leases to core deposits | 82.3799% | 3,209 |
| Total domestic deposits to total assets | 88.6438% | 1,077 |
| Equity capital to assets | 10.9127% | 2,721 |
| Core capital (leverage) ratio | 11.1310% | 2,409 |
| Tier 1 risk-based capital ratio | 18.3189% | 1,721 |
| Total risk-based capital ratio | 19.5725% | 1,685 |
| Memoranda: | ||
| Average total assets | $138,966,330 | 3,584 |
| Average earning assets | $130,695,330 | 3,541 |
| Average equity | $14,792,330 | 3,706 |
| Average total loans | $93,348,000 | 3,457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,000 |
| Cost of funding earning assets | 0.3012% | 4,341 |
| Net interest margin | 3.8672% | 2,168 |
| Noninterest income to average assets | 0.4206% | 3,314 |
| Noninterest expense to average assets | 2.8042% | 2,673 |
| Loan and lease loss provision to assets | 0.1145% | 1,649 |
| Net operating income to assets | 0.8956% | 3,314 |
| Return on assets (ROA) | 0.8956% | 3,320 |
| Pretax return on assets | 1.1388% | 3,007 |
| Return on Equity (ROE) | 8.5193% | 3,145 |
| Retained earnings to average equity (ytd only) | 8.0838% | 1,805 |
| Net charge-offs to loans | -0.0558% | 5,018 |
| Credit loss provision to net charge-offs | -307.6923% | 3,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1114% | 2,644 |
| Assets per employee ($millions) | 4.5366% | 3,100 |
| Cash dividends to net income (ytd only)* | 5.1118% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 1,828 |
| Loan loss allowance to noncurrent loans | 277.2152% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,495 |
| Noncurrent loans to loans | 0.5062% | 3,000 |
| Net loans and leases to total assets | 65.6548% | 3,095 |
| Net loans and leases to deposits | 73.6496% | 3,448 |
| Net loans and leases to core deposits | 78.3925% | 3,464 |
| Total domestic deposits to total assets | 89.1449% | 1,027 |
| Equity capital to assets | 10.4598% | 3,117 |
| Core capital (leverage) ratio | 10.9906% | 2,448 |
| Tier 1 risk-based capital ratio | 17.8665% | 1,872 |
| Total risk-based capital ratio | 19.1189% | 1,820 |
| Memoranda: | ||
| Average total assets | $139,791,000 | 3,613 |
| Average earning assets | $131,466,000 | 3,570 |
| Average equity | $14,696,000 | 3,747 |
| Average total loans | $93,262,000 | 3,479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2075% | 2,661 |
| Cost of funding earning assets | 0.2789% | 4,324 |
| Net interest margin | 3.9287% | 1,996 |
| Noninterest income to average assets | 0.3877% | 3,714 |
| Noninterest expense to average assets | 2.8171% | 2,718 |
| Loan and lease loss provision to assets | 0.1201% | 1,908 |
| Net operating income to assets | 0.7688% | 3,308 |
| Return on assets (ROA) | 0.7673% | 3,353 |
| Pretax return on assets | 1.1454% | 2,998 |
| Return on Equity (ROE) | 7.2036% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.7512% | 1,175 |
| Net charge-offs to loans | 0.0704% | 2,446 |
| Credit loss provision to net charge-offs | 257.1429% | 1,080 |
| Earnings coverage of net charge-offs (x) | 27.1429% | 1,644 |
| Efficiency ratio | 68.9655% | 2,710 |
| Assets per employee ($millions) | 4.4822% | 3,212 |
| Cash dividends to net income (ytd only)* | 6.2802% | 4,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 1,941 |
| Loan loss allowance to noncurrent loans | 1,519.2771% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 4,823 |
| Noncurrent loans to loans | 0.0894% | 4,598 |
| Net loans and leases to total assets | 65.9355% | 3,109 |
| Net loans and leases to deposits | 74.0666% | 3,518 |
| Net loans and leases to core deposits | 77.8452% | 3,598 |
| Total domestic deposits to total assets | 89.0218% | 997 |
| Equity capital to assets | 10.5665% | 3,090 |
| Core capital (leverage) ratio | 10.7080% | 2,641 |
| Tier 1 risk-based capital ratio | 17.9352% | 1,819 |
| Total risk-based capital ratio | 19.1874% | 1,765 |
| Memoranda: | ||
| Average total assets | $134,890,800 | 3,682 |
| Average earning assets | $126,939,000 | 3,629 |
| Average equity | $14,367,800 | 3,797 |
| Average total loans | $89,455,000 | 3,537 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1575% | 2,768 |
| Cost of funding earning assets | 0.2708% | 4,401 |
| Net interest margin | 3.8867% | 2,080 |
| Noninterest income to average assets | 0.3984% | 3,696 |
| Noninterest expense to average assets | 2.7985% | 2,731 |
| Loan and lease loss provision to assets | 0.1205% | 1,801 |
| Net operating income to assets | 0.7639% | 3,675 |
| Return on assets (ROA) | 0.7639% | 3,736 |
| Pretax return on assets | 1.1383% | 3,160 |
| Return on Equity (ROE) | 7.1567% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.6995% | 1,841 |
| Net charge-offs to loans | 0.0858% | 1,943 |
| Credit loss provision to net charge-offs | 212.2807% | 1,291 |
| Earnings coverage of net charge-offs (x) | 22.1749% | 1,879 |
| Efficiency ratio | 68.9740% | 2,713 |
| Assets per employee ($millions) | 4.3345% | 3,420 |
| Cash dividends to net income (ytd only)* | 6.3884% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,019 |
| Loan loss allowance to noncurrent loans | 822.8188% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 4,691 |
| Noncurrent loans to loans | 0.1666% | 4,394 |
| Net loans and leases to total assets | 65.6282% | 3,158 |
| Net loans and leases to deposits | 74.1871% | 3,541 |
| Net loans and leases to core deposits | 77.6097% | 3,670 |
| Total domestic deposits to total assets | 88.4631% | 1,143 |
| Equity capital to assets | 10.9676% | 2,896 |
| Core capital (leverage) ratio | 10.6021% | 2,878 |
| Tier 1 risk-based capital ratio | 18.3456% | 1,771 |
| Total risk-based capital ratio | 19.5986% | 1,726 |
| Memoranda: | ||
| Average total assets | $133,876,500 | 3,725 |
| Average earning assets | $126,033,500 | 3,678 |
| Average equity | $14,289,250 | 3,853 |
| Average total loans | $88,599,500 | 3,585 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,875 |
| Cost of funding earning assets | 0.2607% | 4,461 |
| Net interest margin | 3.8246% | 2,195 |
| Noninterest income to average assets | 0.3859% | 3,784 |
| Noninterest expense to average assets | 2.7881% | 2,809 |
| Loan and lease loss provision to assets | 0.1212% | 1,709 |
| Net operating income to assets | 0.7224% | 3,746 |
| Return on assets (ROA) | 0.7224% | 3,818 |
| Pretax return on assets | 1.0754% | 3,282 |
| Return on Equity (ROE) | 6.8317% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.3791% | 1,914 |
| Net charge-offs to loans | 0.1268% | 1,402 |
| Credit loss provision to net charge-offs | 144.6429% | 1,555 |
| Earnings coverage of net charge-offs (x) | 14.2857% | 2,082 |
| Efficiency ratio | 69.9700% | 2,682 |
| Assets per employee ($millions) | 4.6832% | 2,822 |
| Cash dividends to net income (ytd only)* | 6.6253% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,364.3678% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,896 |
| Noncurrent loans to loans | 0.0995% | 4,731 |
| Net loans and leases to total assets | 61.3847% | 3,702 |
| Net loans and leases to deposits | 68.7710% | 4,008 |
| Net loans and leases to core deposits | 72.2146% | 4,077 |
| Total domestic deposits to total assets | 89.2595% | 825 |
| Equity capital to assets | 10.3142% | 3,555 |
| Core capital (leverage) ratio | 10.4818% | 2,938 |
| Tier 1 risk-based capital ratio | 17.9297% | 1,874 |
| Total risk-based capital ratio | 19.1818% | 1,826 |
| Memoranda: | ||
| Average total assets | $133,712,330 | 3,756 |
| Average earning assets | $125,818,330 | 3,706 |
| Average equity | $14,140,000 | 3,877 |
| Average total loans | $88,329,330 | 3,609 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,681 |
| Cost of funding earning assets | 0.2482% | 4,549 |
| Net interest margin | 3.8443% | 1,973 |
| Noninterest income to average assets | 0.3407% | 4,119 |
| Noninterest expense to average assets | 2.8883% | 2,490 |
| Loan and lease loss provision to assets | 0.1258% | 1,529 |
| Net operating income to assets | 0.6292% | 4,022 |
| Return on assets (ROA) | 0.6292% | 4,071 |
| Pretax return on assets | 0.9392% | 3,630 |
| Return on Equity (ROE) | 5.8720% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.4137% | 2,656 |
| Net charge-offs to loans | 0.1171% | 1,235 |
| Credit loss provision to net charge-offs | 157.6923% | 1,180 |
| Earnings coverage of net charge-offs (x) | 13.3462% | 1,789 |
| Efficiency ratio | 73.0590% | 2,396 |
| Assets per employee ($millions) | 4.4529% | 3,249 |
| Cash dividends to net income (ytd only)* | 7.8049% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,323 |
| Loan loss allowance to noncurrent loans | 427.6364% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 4,085 |
| Noncurrent loans to loans | 0.3146% | 3,995 |
| Net loans and leases to total assets | 64.5569% | 3,190 |
| Net loans and leases to deposits | 72.4253% | 3,569 |
| Net loans and leases to core deposits | 75.7519% | 3,678 |
| Total domestic deposits to total assets | 89.1358% | 1,088 |
| Equity capital to assets | 10.5610% | 3,120 |
| Core capital (leverage) ratio | 10.9710% | 2,386 |
| Tier 1 risk-based capital ratio | 17.3673% | 2,078 |
| Total risk-based capital ratio | 18.6197% | 2,021 |
| Memoranda: | ||
| Average total assets | $130,320,500 | 3,834 |
| Average earning assets | $122,468,500 | 3,802 |
| Average equity | $13,964,500 | 3,928 |
| Average total loans | $88,779,000 | 3,625 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,310 |
| Cost of funding earning assets | 0.1941% | 5,075 |
| Net interest margin | 4.0569% | 1,477 |
| Noninterest income to average assets | 0.3826% | 4,016 |
| Noninterest expense to average assets | 3.0459% | 2,195 |
| Loan and lease loss provision to assets | 0.1487% | 1,674 |
| Net operating income to assets | 0.6784% | 3,878 |
| Return on assets (ROA) | 0.6784% | 3,995 |
| Pretax return on assets | 0.9875% | 3,518 |
| Return on Equity (ROE) | 5.9915% | 3,987 |
| Retained earnings to average equity (ytd only) | 5.5171% | 2,004 |
| Net charge-offs to loans | 0.0320% | 3,383 |
| Credit loss provision to net charge-offs | 642.8571% | 535 |
| Earnings coverage of net charge-offs (x) | 49.1071% | 1,018 |
| Efficiency ratio | 72.8315% | 2,449 |
| Assets per employee ($millions) | 4.2352% | 3,555 |
| Cash dividends to net income (ytd only)* | 7.9172% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,610 |
| Loan loss allowance to noncurrent loans | 129.4314% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 2,213 |
| Noncurrent loans to loans | 0.9951% | 2,102 |
| Net loans and leases to total assets | 70.0342% | 2,462 |
| Net loans and leases to deposits | 78.9001% | 3,004 |
| Net loans and leases to core deposits | 81.3163% | 3,281 |
| Total domestic deposits to total assets | 88.7631% | 1,225 |
| Equity capital to assets | 10.8780% | 2,733 |
| Core capital (leverage) ratio | 11.0713% | 2,283 |
| Tier 1 risk-based capital ratio | 17.0222% | 2,153 |
| Total risk-based capital ratio | 18.2734% | 2,106 |
| Memoranda: | ||
| Average total assets | $121,015,600 | 3,974 |
| Average earning assets | $113,336,800 | 3,941 |
| Average equity | $13,702,800 | 3,989 |
| Average total loans | $87,542,400 | 3,628 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 2,252 |
| Cost of funding earning assets | 0.1870% | 5,206 |
| Net interest margin | 4.0857% | 1,419 |
| Noninterest income to average assets | 0.3883% | 4,005 |
| Noninterest expense to average assets | 3.0681% | 2,104 |
| Loan and lease loss provision to assets | 0.1506% | 1,549 |
| Net operating income to assets | 0.6850% | 3,933 |
| Return on assets (ROA) | 0.6850% | 4,064 |
| Pretax return on assets | 0.9963% | 3,646 |
| Return on Equity (ROE) | 5.9872% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.5094% | 2,474 |
| Net charge-offs to loans | -0.0031% | 4,531 |
| Credit loss provision to net charge-offs | -6,750.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7898% | 2,462 |
| Assets per employee ($millions) | 3.9472% | 4,051 |
| Cash dividends to net income (ytd only)* | 7.9802% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 2,623 |
| Loan loss allowance to noncurrent loans | 145.4315% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8242% | 2,482 |
| Noncurrent loans to loans | 0.9019% | 2,443 |
| Net loans and leases to total assets | 72.8176% | 2,041 |
| Net loans and leases to deposits | 83.0911% | 2,589 |
| Net loans and leases to core deposits | 85.4325% | 3,000 |
| Total domestic deposits to total assets | 87.6359% | 1,594 |
| Equity capital to assets | 11.8575% | 2,211 |
| Core capital (leverage) ratio | 11.7218% | 1,866 |
| Tier 1 risk-based capital ratio | 17.6622% | 2,020 |
| Total risk-based capital ratio | 18.9144% | 1,978 |
| Memoranda: | ||
| Average total assets | $119,505,750 | 4,030 |
| Average earning assets | $111,933,250 | 3,996 |
| Average equity | $13,673,250 | 4,027 |
| Average total loans | $86,892,250 | 3,658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,290 |
| Cost of funding earning assets | 0.1868% | 5,265 |
| Net interest margin | 4.0753% | 1,434 |
| Noninterest income to average assets | 0.3604% | 4,188 |
| Noninterest expense to average assets | 3.0550% | 2,194 |
| Loan and lease loss provision to assets | 0.1502% | 1,527 |
| Net operating income to assets | 0.6774% | 3,914 |
| Return on assets (ROA) | 0.6774% | 4,052 |
| Pretax return on assets | 0.9777% | 3,667 |
| Return on Equity (ROE) | 5.9923% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.5200% | 2,409 |
| Net charge-offs to loans | -0.0092% | 4,676 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0355% | 2,510 |
| Assets per employee ($millions) | 3.7829% | 4,298 |
| Cash dividends to net income (ytd only)* | 7.8818% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,111 |
| Loan loss allowance to noncurrent loans | 150.1362% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 3,042 |
| Noncurrent loans to loans | 0.8286% | 2,672 |
| Net loans and leases to total assets | 74.5986% | 1,716 |
| Net loans and leases to deposits | 85.0676% | 2,345 |
| Net loans and leases to core deposits | 87.4827% | 2,779 |
| Total domestic deposits to total assets | 87.6933% | 1,575 |
| Equity capital to assets | 11.8122% | 2,262 |
| Core capital (leverage) ratio | 11.5127% | 1,985 |
| Tier 1 risk-based capital ratio | 17.3754% | 2,106 |
| Total risk-based capital ratio | 18.6272% | 2,071 |
| Memoranda: | ||
| Average total assets | $119,869,330 | 4,047 |
| Average earning assets | $112,434,330 | 4,006 |
| Average equity | $13,550,670 | 4,067 |
| Average total loans | $86,732,000 | 3,674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 2,681 |
| Cost of funding earning assets | 0.1899% | 5,287 |
| Net interest margin | 3.9518% | 1,778 |
| Noninterest income to average assets | 0.3631% | 4,120 |
| Noninterest expense to average assets | 3.0338% | 2,292 |
| Loan and lease loss provision to assets | 0.1486% | 1,422 |
| Net operating income to assets | 0.6239% | 4,083 |
| Return on assets (ROA) | 0.6239% | 4,198 |
| Pretax return on assets | 0.8913% | 3,877 |
| Return on Equity (ROE) | 5.6418% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.1642% | 2,842 |
| Net charge-offs to loans | 0.0047% | 2,960 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 315.0000% | 189 |
| Efficiency ratio | 74.4733% | 2,402 |
| Assets per employee ($millions) | 3.8102% | 4,279 |
| Cash dividends to net income (ytd only)* | 8.4656% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 3,301 |
| Loan loss allowance to noncurrent loans | 175.9197% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.5655% | 3,366 |
| Noncurrent loans to loans | 0.7000% | 3,092 |
| Net loans and leases to total assets | 71.4309% | 2,125 |
| Net loans and leases to deposits | 81.1503% | 2,654 |
| Net loans and leases to core deposits | 84.2625% | 2,913 |
| Total domestic deposits to total assets | 88.0229% | 1,626 |
| Equity capital to assets | 11.4691% | 2,469 |
| Core capital (leverage) ratio | 11.1241% | 2,288 |
| Tier 1 risk-based capital ratio | 17.4146% | 2,148 |
| Total risk-based capital ratio | 18.6660% | 2,117 |
| Memoranda: | ||
| Average total assets | $121,169,500 | 4,050 |
| Average earning assets | $113,770,500 | 4,012 |
| Average equity | $13,400,000 | 4,104 |
| Average total loans | $85,806,500 | 3,702 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 1,920 |
| Cost of funding earning assets | 0.2216% | 5,083 |
| Net interest margin | 4.1724% | 1,229 |
| Noninterest income to average assets | 0.4087% | 3,966 |
| Noninterest expense to average assets | 3.2757% | 1,775 |
| Loan and lease loss provision to assets | 0.1212% | 1,975 |
| Net operating income to assets | 0.6163% | 4,192 |
| Return on assets (ROA) | 0.6390% | 4,178 |
| Pretax return on assets | 0.9256% | 3,746 |
| Return on Equity (ROE) | 5.7059% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.2033% | 2,276 |
| Net charge-offs to loans | -0.0061% | 5,011 |
| Credit loss provision to net charge-offs | -2,800.0000% | 5,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3625% | 2,212 |
| Assets per employee ($millions) | 4.0072% | 3,929 |
| Cash dividends to net income (ytd only)* | 8.8076% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,649 |
| Loan loss allowance to noncurrent loans | 988.2353% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 5,035 |
| Noncurrent loans to loans | 0.1183% | 5,022 |
| Net loans and leases to total assets | 68.5716% | 2,617 |
| Net loans and leases to deposits | 77.2022% | 3,139 |
| Net loans and leases to core deposits | 79.4236% | 3,400 |
| Total domestic deposits to total assets | 88.8208% | 1,217 |
| Equity capital to assets | 10.6688% | 3,169 |
| Core capital (leverage) ratio | 10.8155% | 2,589 |
| Tier 1 risk-based capital ratio | 16.9457% | 2,300 |
| Total risk-based capital ratio | 18.1957% | 2,249 |
| Memoranda: | ||
| Average total assets | $115,487,000 | 4,147 |
| Average earning assets | $107,420,600 | 4,103 |
| Average equity | $12,934,000 | 4,156 |
| Average total loans | $82,144,200 | 3,769 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 1,779 |
| Cost of funding earning assets | 0.2323% | 5,071 |
| Net interest margin | 4.2090% | 1,144 |
| Noninterest income to average assets | 0.4236% | 3,913 |
| Noninterest expense to average assets | 3.3785% | 1,515 |
| Loan and lease loss provision to assets | 0.1294% | 1,747 |
| Net operating income to assets | 0.5724% | 4,516 |
| Return on assets (ROA) | 0.6037% | 4,472 |
| Pretax return on assets | 0.8626% | 4,126 |
| Return on Equity (ROE) | 5.3210% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.8128% | 3,040 |
| Net charge-offs to loans | 0.0148% | 3,663 |
| Credit loss provision to net charge-offs | 1,222.2222% | 313 |
| Earnings coverage of net charge-offs (x) | 89.4425% | 691 |
| Efficiency ratio | 78.1012% | 1,929 |
| Assets per employee ($millions) | 3.6238% | 4,568 |
| Cash dividends to net income (ytd only)* | 9.5514% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,888 |
| Loan loss allowance to noncurrent loans | 202.3061% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 3,815 |
| Noncurrent loans to loans | 0.5721% | 3,620 |
| Net loans and leases to total assets | 71.0736% | 2,223 |
| Net loans and leases to deposits | 80.8755% | 2,781 |
| Net loans and leases to core deposits | 83.4045% | 3,112 |
| Total domestic deposits to total assets | 87.8803% | 1,625 |
| Equity capital to assets | 11.3444% | 2,652 |
| Core capital (leverage) ratio | 11.2418% | 2,254 |
| Tier 1 risk-based capital ratio | 17.1617% | 2,312 |
| Total risk-based capital ratio | 18.4111% | 2,260 |
| Memoranda: | ||
| Average total assets | $113,303,250 | 4,239 |
| Average earning assets | $105,042,250 | 4,207 |
| Average equity | $12,854,250 | 4,206 |
| Average total loans | $81,133,000 | 3,825 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 1,660 |
| Cost of funding earning assets | 0.2407% | 5,047 |
| Net interest margin | 4.2185% | 1,072 |
| Noninterest income to average assets | 0.3861% | 4,181 |
| Noninterest expense to average assets | 3.4194% | 1,444 |
| Loan and lease loss provision to assets | 0.1423% | 1,534 |
| Net operating income to assets | 0.5077% | 4,733 |
| Return on assets (ROA) | 0.5551% | 4,649 |
| Pretax return on assets | 0.7899% | 4,351 |
| Return on Equity (ROE) | 4.8926% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.3908% | 3,218 |
| Net charge-offs to loans | -0.0672% | 5,649 |
| Credit loss provision to net charge-offs | -296.2963% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8173% | 1,789 |
| Assets per employee ($millions) | 3.4572% | 4,876 |
| Cash dividends to net income (ytd only)* | 10.2564% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 3,818 |
| Loan loss allowance to noncurrent loans | 425.8772% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 3,109 |
| Noncurrent loans to loans | 0.2807% | 4,667 |
| Net loans and leases to total assets | 70.3390% | 2,268 |
| Net loans and leases to deposits | 79.8541% | 2,808 |
| Net loans and leases to core deposits | 81.5469% | 3,233 |
| Total domestic deposits to total assets | 88.0844% | 1,609 |
| Equity capital to assets | 11.2547% | 2,613 |
| Core capital (leverage) ratio | 11.2838% | 2,178 |
| Tier 1 risk-based capital ratio | 16.8129% | 2,482 |
| Total risk-based capital ratio | 18.0623% | 2,437 |
| Memoranda: | ||
| Average total assets | $112,417,670 | 4,288 |
| Average earning assets | $103,876,330 | 4,275 |
| Average equity | $12,754,000 | 4,249 |
| Average total loans | $80,383,330 | 3,862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 1,626 |
| Cost of funding earning assets | 0.2484% | 5,040 |
| Net interest margin | 4.1953% | 1,068 |
| Noninterest income to average assets | 0.3764% | 4,191 |
| Noninterest expense to average assets | 3.4485% | 1,409 |
| Loan and lease loss provision to assets | 0.1613% | 1,252 |
| Net operating income to assets | 0.4611% | 4,824 |
| Return on assets (ROA) | 0.5592% | 4,557 |
| Pretax return on assets | 0.7779% | 4,322 |
| Return on Equity (ROE) | 4.9091% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.4056% | 3,383 |
| Net charge-offs to loans | -0.1301% | 5,943 |
| Credit loss provision to net charge-offs | -173.0769% | 4,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1130% | 1,745 |
| Assets per employee ($millions) | 3.3946% | 5,089 |
| Cash dividends to net income (ytd only)* | 10.2564% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 4,275 |
| Loan loss allowance to noncurrent loans | 231.1881% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9302% | 2,772 |
| Noncurrent loans to loans | 0.4961% | 4,091 |
| Net loans and leases to total assets | 71.8582% | 1,828 |
| Net loans and leases to deposits | 81.8675% | 2,349 |
| Net loans and leases to core deposits | 83.6419% | 2,813 |
| Total domestic deposits to total assets | 87.7738% | 1,946 |
| Equity capital to assets | 11.4817% | 2,475 |
| Core capital (leverage) ratio | 11.3946% | 2,086 |
| Tier 1 risk-based capital ratio | 16.7321% | 2,586 |
| Total risk-based capital ratio | 17.9589% | 2,541 |
| Memoranda: | ||
| Average total assets | $111,583,500 | 4,338 |
| Average earning assets | $103,068,000 | 4,325 |
| Average equity | $12,711,000 | 4,287 |
| Average total loans | $79,966,000 | 3,889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 1,689 |
| Cost of funding earning assets | 0.2854% | 4,945 |
| Net interest margin | 4.2662% | 1,121 |
| Noninterest income to average assets | 0.4102% | 4,111 |
| Noninterest expense to average assets | 3.4141% | 1,668 |
| Loan and lease loss provision to assets | 0.1111% | 2,311 |
| Net operating income to assets | 0.5790% | 4,464 |
| Return on assets (ROA) | 0.5797% | 4,544 |
| Pretax return on assets | 0.8167% | 4,201 |
| Return on Equity (ROE) | 5.1945% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.6551% | 2,856 |
| Net charge-offs to loans | 0.2974% | 1,481 |
| Credit loss provision to net charge-offs | 54.7945% | 3,383 |
| Earnings coverage of net charge-offs (x) | 4.5708% | 3,621 |
| Efficiency ratio | 78.6476% | 2,113 |
| Assets per employee ($millions) | 3.3680% | 5,133 |
| Cash dividends to net income (ytd only)* | 10.3834% | 4,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 4,537 |
| Loan loss allowance to noncurrent loans | 145.6998% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 2,326 |
| Noncurrent loans to loans | 0.7554% | 3,433 |
| Net loans and leases to total assets | 69.8520% | 2,259 |
| Net loans and leases to deposits | 79.3753% | 2,799 |
| Net loans and leases to core deposits | 80.6828% | 3,219 |
| Total domestic deposits to total assets | 88.0022% | 1,770 |
| Equity capital to assets | 11.3006% | 2,601 |
| Core capital (leverage) ratio | 11.3846% | 2,065 |
| Tier 1 risk-based capital ratio | 16.9223% | 2,541 |
| Total risk-based capital ratio | 18.0814% | 2,532 |
| Memoranda: | ||
| Average total assets | $107,991,800 | 4,416 |
| Average earning assets | $99,503,200 | 4,403 |
| Average equity | $12,051,200 | 4,350 |
| Average total loans | $73,638,400 | 4,070 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5587% | 1,675 |
| Cost of funding earning assets | 0.2929% | 4,951 |
| Net interest margin | 4.2658% | 1,118 |
| Noninterest income to average assets | 0.4539% | 3,866 |
| Noninterest expense to average assets | 3.4252% | 1,602 |
| Loan and lease loss provision to assets | 0.1119% | 2,178 |
| Net operating income to assets | 0.6044% | 4,422 |
| Return on assets (ROA) | 0.6044% | 4,515 |
| Pretax return on assets | 0.8482% | 4,185 |
| Return on Equity (ROE) | 5.4343% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.8976% | 3,161 |
| Net charge-offs to loans | 0.3590% | 1,124 |
| Credit loss provision to net charge-offs | 46.1538% | 3,174 |
| Earnings coverage of net charge-offs (x) | 3.9590% | 3,562 |
| Efficiency ratio | 78.1055% | 2,166 |
| Assets per employee ($millions) | 3.2124% | 5,402 |
| Cash dividends to net income (ytd only)* | 9.8768% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 4,419 |
| Loan loss allowance to noncurrent loans | 136.8421% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 1,987 |
| Noncurrent loans to loans | 0.8506% | 3,438 |
| Net loans and leases to total assets | 68.7250% | 2,430 |
| Net loans and leases to deposits | 78.4760% | 2,896 |
| Net loans and leases to core deposits | 79.8383% | 3,327 |
| Total domestic deposits to total assets | 87.5745% | 1,997 |
| Equity capital to assets | 11.6303% | 2,374 |
| Core capital (leverage) ratio | 11.6065% | 1,976 |
| Tier 1 risk-based capital ratio | 17.4872% | 2,402 |
| Total risk-based capital ratio | 18.6915% | 2,379 |
| Memoranda: | ||
| Average total assets | $107,203,500 | 4,474 |
| Average earning assets | $98,798,000 | 4,471 |
| Average equity | $11,924,000 | 4,398 |
| Average total loans | $72,422,750 | 4,144 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,862 |
| Cost of funding earning assets | 0.2959% | 5,006 |
| Net interest margin | 4.1934% | 1,266 |
| Noninterest income to average assets | 0.4740% | 3,678 |
| Noninterest expense to average assets | 3.4070% | 1,662 |
| Loan and lease loss provision to assets | 0.1115% | 2,164 |
| Net operating income to assets | 0.5911% | 4,398 |
| Return on assets (ROA) | 0.5911% | 4,494 |
| Pretax return on assets | 0.8271% | 4,173 |
| Return on Equity (ROE) | 5.3949% | 4,483 |
| Retained earnings to average equity (ytd only) | 4.8520% | 3,054 |
| Net charge-offs to loans | 0.1333% | 2,334 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 10.5208% | 2,242 |
| Efficiency ratio | 78.4003% | 2,243 |
| Assets per employee ($millions) | 3.3272% | 5,208 |
| Cash dividends to net income (ytd only)* | 10.0629% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3474% | 3,600 |
| Loan loss allowance to noncurrent loans | 63.2468% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 1,707 |
| Noncurrent loans to loans | 2.1304% | 1,561 |
| Net loans and leases to total assets | 66.9779% | 2,585 |
| Net loans and leases to deposits | 76.2605% | 3,022 |
| Net loans and leases to core deposits | 77.3608% | 3,504 |
| Total domestic deposits to total assets | 87.8277% | 2,015 |
| Equity capital to assets | 11.4397% | 2,477 |
| Core capital (leverage) ratio | 11.3935% | 2,090 |
| Tier 1 risk-based capital ratio | 17.8060% | 2,307 |
| Total risk-based capital ratio | 19.0573% | 2,280 |
| Memoranda: | ||
| Average total assets | $107,602,000 | 4,496 |
| Average earning assets | $99,346,000 | 4,486 |
| Average equity | $11,789,000 | 4,439 |
| Average total loans | $71,993,000 | 4,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4865% | 1,855 |
| Cost of funding earning assets | 0.3007% | 5,056 |
| Net interest margin | 4.1858% | 1,258 |
| Noninterest income to average assets | 0.4105% | 4,099 |
| Noninterest expense to average assets | 3.4280% | 1,634 |
| Loan and lease loss provision to assets | 0.1109% | 2,092 |
| Net operating income to assets | 0.5325% | 4,542 |
| Return on assets (ROA) | 0.5325% | 4,613 |
| Pretax return on assets | 0.7322% | 4,377 |
| Return on Equity (ROE) | 4.9683% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.4163% | 3,477 |
| Net charge-offs to loans | 0.1615% | 1,752 |
| Credit loss provision to net charge-offs | 103.4483% | 1,609 |
| Earnings coverage of net charge-offs (x) | 7.8621% | 2,081 |
| Efficiency ratio | 80.2597% | 2,170 |
| Assets per employee ($millions) | 3.3926% | 5,168 |
| Cash dividends to net income (ytd only)* | 11.1111% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 3,783 |
| Loan loss allowance to noncurrent loans | 170.9220% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0731% | 3,110 |
| Noncurrent loans to loans | 0.7967% | 3,881 |
| Net loans and leases to total assets | 64.3160% | 2,834 |
| Net loans and leases to deposits | 72.7341% | 3,243 |
| Net loans and leases to core deposits | 73.9692% | 3,649 |
| Total domestic deposits to total assets | 88.4262% | 1,978 |
| Equity capital to assets | 10.8572% | 2,871 |
| Core capital (leverage) ratio | 11.2803% | 2,159 |
| Tier 1 risk-based capital ratio | 18.1478% | 2,230 |
| Total risk-based capital ratio | 19.3994% | 2,202 |
| Memoranda: | ||
| Average total assets | $108,167,500 | 4,526 |
| Average earning assets | $99,765,000 | 4,516 |
| Average equity | $11,593,500 | 4,491 |
| Average total loans | $71,846,500 | 4,208 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,627 |
| Cost of funding earning assets | 0.3489% | 5,143 |
| Net interest margin | 4.3290% | 1,037 |
| Noninterest income to average assets | 0.4363% | 4,187 |
| Noninterest expense to average assets | 3.4552% | 1,761 |
| Loan and lease loss provision to assets | 0.0940% | 3,241 |
| Net operating income to assets | 0.6349% | 4,097 |
| Return on assets (ROA) | 0.6403% | 4,178 |
| Pretax return on assets | 0.8838% | 3,829 |
| Return on Equity (ROE) | 5.8860% | 4,153 |
| Retained earnings to average equity (ytd only) | 5.3242% | 2,398 |
| Net charge-offs to loans | 0.4523% | 1,463 |
| Credit loss provision to net charge-offs | 31.4465% | 4,223 |
| Earnings coverage of net charge-offs (x) | 3.2453% | 3,917 |
| Efficiency ratio | 78.0752% | 2,458 |
| Assets per employee ($millions) | 3.3678% | 5,164 |
| Cash dividends to net income (ytd only)* | 9.5448% | 4,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 4,035 |
| Loan loss allowance to noncurrent loans | 109.4318% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 3,585 |
| Noncurrent loans to loans | 1.2071% | 3,130 |
| Net loans and leases to total assets | 66.7545% | 2,562 |
| Net loans and leases to deposits | 75.2736% | 3,060 |
| Net loans and leases to core deposits | 76.5568% | 3,547 |
| Total domestic deposits to total assets | 88.6825% | 1,809 |
| Equity capital to assets | 10.5780% | 3,072 |
| Core capital (leverage) ratio | 11.1500% | 2,234 |
| Tier 1 risk-based capital ratio | 17.4900% | 2,421 |
| Total risk-based capital ratio | 18.7426% | 2,397 |
| Memoranda: | ||
| Average total assets | $106,360,600 | 4,579 |
| Average earning assets | $98,013,400 | 4,566 |
| Average equity | $11,569,800 | 4,531 |
| Average total loans | $70,306,000 | 4,255 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 1,657 |
| Cost of funding earning assets | 0.3576% | 5,220 |
| Net interest margin | 4.3191% | 1,052 |
| Noninterest income to average assets | 0.4239% | 4,338 |
| Noninterest expense to average assets | 3.4877% | 1,634 |
| Loan and lease loss provision to assets | 0.0880% | 3,302 |
| Net operating income to assets | 0.6064% | 4,321 |
| Return on assets (ROA) | 0.6138% | 4,413 |
| Pretax return on assets | 0.8377% | 4,151 |
| Return on Equity (ROE) | 5.6031% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.0520% | 3,040 |
| Net charge-offs to loans | 0.6374% | 963 |
| Credit loss provision to net charge-offs | 21.0210% | 4,059 |
| Earnings coverage of net charge-offs (x) | 2.1862% | 4,110 |
| Efficiency ratio | 79.2059% | 2,232 |
| Assets per employee ($millions) | 3.2168% | 5,464 |
| Cash dividends to net income (ytd only)* | 9.8363% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,500 |
| Loan loss allowance to noncurrent loans | 91.3347% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.9754% | 3,709 |
| Noncurrent loans to loans | 1.4016% | 3,066 |
| Net loans and leases to total assets | 68.6954% | 2,201 |
| Net loans and leases to deposits | 78.0635% | 2,658 |
| Net loans and leases to core deposits | 79.5449% | 3,170 |
| Total domestic deposits to total assets | 87.9995% | 2,130 |
| Equity capital to assets | 11.1223% | 2,641 |
| Core capital (leverage) ratio | 11.3743% | 2,147 |
| Tier 1 risk-based capital ratio | 17.2745% | 2,594 |
| Total risk-based capital ratio | 18.5255% | 2,561 |
| Memoranda: | ||
| Average total assets | $106,008,000 | 4,640 |
| Average earning assets | $97,672,750 | 4,620 |
| Average equity | $11,612,250 | 4,574 |
| Average total loans | $69,656,250 | 4,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,780 |
| Cost of funding earning assets | 0.3648% | 5,270 |
| Net interest margin | 4.2563% | 1,123 |
| Noninterest income to average assets | 0.4204% | 4,374 |
| Noninterest expense to average assets | 3.5373% | 1,523 |
| Loan and lease loss provision to assets | 0.0841% | 3,394 |
| Net operating income to assets | 0.5400% | 4,608 |
| Return on assets (ROA) | 0.5400% | 4,773 |
| Pretax return on assets | 0.7232% | 4,598 |
| Return on Equity (ROE) | 4.9543% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.4057% | 3,467 |
| Net charge-offs to loans | 0.7449% | 867 |
| Credit loss provision to net charge-offs | 17.5097% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.6809% | 3,972 |
| Efficiency ratio | 81.4194% | 1,973 |
| Assets per employee ($millions) | 3.3033% | 5,255 |
| Cash dividends to net income (ytd only)* | 11.0727% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 4,132 |
| Loan loss allowance to noncurrent loans | 150.9346% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 4,725 |
| Noncurrent loans to loans | 0.9134% | 4,100 |
| Net loans and leases to total assets | 65.5728% | 2,667 |
| Net loans and leases to deposits | 74.0766% | 3,140 |
| Net loans and leases to core deposits | 75.4326% | 3,620 |
| Total domestic deposits to total assets | 88.5202% | 1,902 |
| Equity capital to assets | 10.6975% | 3,059 |
| Core capital (leverage) ratio | 10.8552% | 2,499 |
| Tier 1 risk-based capital ratio | 17.0283% | 2,703 |
| Total risk-based capital ratio | 18.2808% | 2,674 |
| Memoranda: | ||
| Average total assets | $107,031,670 | 4,639 |
| Average earning assets | $98,677,330 | 4,633 |
| Average equity | $11,666,670 | 4,596 |
| Average total loans | $68,998,330 | 4,346 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 1,844 |
| Cost of funding earning assets | 0.3962% | 5,142 |
| Net interest margin | 4.1968% | 1,191 |
| Noninterest income to average assets | 0.4049% | 4,420 |
| Noninterest expense to average assets | 3.4691% | 1,685 |
| Loan and lease loss provision to assets | 0.1114% | 2,842 |
| Net operating income to assets | 0.5200% | 4,567 |
| Return on assets (ROA) | 0.5200% | 4,713 |
| Pretax return on assets | 0.6797% | 4,660 |
| Return on Equity (ROE) | 4.7273% | 4,723 |
| Retained earnings to average equity (ytd only) | 4.1871% | 3,707 |
| Net charge-offs to loans | 0.1756% | 2,342 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 7.1000% | 2,116 |
| Efficiency ratio | 81.4298% | 2,126 |
| Assets per employee ($millions) | 3.2960% | 5,441 |
| Cash dividends to net income (ytd only)* | 11.4286% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,916 |
| Loan loss allowance to noncurrent loans | 172.0117% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 4,802 |
| Noncurrent loans to loans | 1.0015% | 4,129 |
| Net loans and leases to total assets | 61.8908% | 3,082 |
| Net loans and leases to deposits | 70.2026% | 3,445 |
| Net loans and leases to core deposits | 71.4560% | 3,888 |
| Total domestic deposits to total assets | 88.1602% | 2,219 |
| Equity capital to assets | 10.9259% | 3,046 |
| Core capital (leverage) ratio | 10.8950% | 2,358 |
| Tier 1 risk-based capital ratio | 17.4137% | 2,596 |
| Total risk-based capital ratio | 18.6699% | 2,554 |
| Memoranda: | ||
| Average total assets | $107,694,000 | 4,662 |
| Average earning assets | $98,933,500 | 4,656 |
| Average equity | $11,846,000 | 4,607 |
| Average total loans | $68,355,500 | 4,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 2,199 |
| Cost of funding earning assets | 0.5187% | 5,079 |
| Net interest margin | 4.2808% | 1,444 |
| Noninterest income to average assets | 0.4953% | 3,933 |
| Noninterest expense to average assets | 3.5739% | 1,671 |
| Loan and lease loss provision to assets | 0.0896% | 4,571 |
| Net operating income to assets | 0.5669% | 4,392 |
| Return on assets (ROA) | 0.5926% | 4,533 |
| Pretax return on assets | 0.8027% | 4,284 |
| Return on Equity (ROE) | 5.3542% | 4,500 |
| Retained earnings to average equity (ytd only) | 4.7883% | 2,857 |
| Net charge-offs to loans | 0.1306% | 4,368 |
| Credit loss provision to net charge-offs | 109.4118% | 2,681 |
| Earnings coverage of net charge-offs (x) | 10.4706% | 2,136 |
| Efficiency ratio | 80.6480% | 2,062 |
| Assets per employee ($millions) | 3.1359% | 5,772 |
| Cash dividends to net income (ytd only)* | 10.5691% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 2,812 |
| Loan loss allowance to noncurrent loans | 178.6687% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 4,527 |
| Noncurrent loans to loans | 0.9690% | 4,258 |
| Net loans and leases to total assets | 62.8706% | 3,082 |
| Net loans and leases to deposits | 71.5008% | 3,493 |
| Net loans and leases to core deposits | 73.3223% | 3,875 |
| Total domestic deposits to total assets | 87.9299% | 2,282 |
| Equity capital to assets | 11.0749% | 2,865 |
| Core capital (leverage) ratio | 10.5027% | 2,764 |
| Tier 1 risk-based capital ratio | 17.3864% | 2,490 |
| Total risk-based capital ratio | 18.6422% | 2,467 |
| Memoranda: | ||
| Average total assets | $103,781,200 | 4,740 |
| Average earning assets | $95,425,000 | 4,712 |
| Average equity | $11,486,400 | 4,674 |
| Average total loans | $65,104,000 | 4,539 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 2,266 |
| Cost of funding earning assets | 0.5359% | 5,205 |
| Net interest margin | 4.2986% | 1,463 |
| Noninterest income to average assets | 0.5123% | 3,844 |
| Noninterest expense to average assets | 3.5741% | 1,607 |
| Loan and lease loss provision to assets | 0.0880% | 4,506 |
| Net operating income to assets | 0.5937% | 4,421 |
| Return on assets (ROA) | 0.5937% | 4,682 |
| Pretax return on assets | 0.8033% | 4,470 |
| Return on Equity (ROE) | 5.3654% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.8044% | 3,509 |
| Net charge-offs to loans | 0.0663% | 4,756 |
| Credit loss provision to net charge-offs | 212.5000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 21.5289% | 1,401 |
| Efficiency ratio | 80.0406% | 2,087 |
| Assets per employee ($millions) | 3.0782% | 5,903 |
| Cash dividends to net income (ytd only)* | 10.4579% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8008% | 2,795 |
| Loan loss allowance to noncurrent loans | 188.1804% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 3,349 |
| Noncurrent loans to loans | 0.9569% | 4,519 |
| Net loans and leases to total assets | 63.0461% | 3,197 |
| Net loans and leases to deposits | 73.1181% | 3,432 |
| Net loans and leases to core deposits | 74.8254% | 3,876 |
| Total domestic deposits to total assets | 86.2249% | 3,135 |
| Equity capital to assets | 11.1810% | 3,058 |
| Core capital (leverage) ratio | 10.7483% | 2,656 |
| Tier 1 risk-based capital ratio | 17.2484% | 2,629 |
| Total risk-based capital ratio | 18.5066% | 2,581 |
| Memoranda: | ||
| Average total assets | $103,071,750 | 4,798 |
| Average earning assets | $94,788,500 | 4,776 |
| Average equity | $11,406,000 | 4,731 |
| Average total loans | $64,326,750 | 4,615 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 2,388 |
| Cost of funding earning assets | 0.5542% | 5,274 |
| Net interest margin | 4.2751% | 1,534 |
| Noninterest income to average assets | 0.4974% | 3,940 |
| Noninterest expense to average assets | 3.5868% | 1,611 |
| Loan and lease loss provision to assets | 0.1014% | 4,259 |
| Net operating income to assets | 0.5598% | 4,538 |
| Return on assets (ROA) | 0.5598% | 4,820 |
| Pretax return on assets | 0.7509% | 4,648 |
| Return on Equity (ROE) | 5.0764% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.5103% | 3,602 |
| Net charge-offs to loans | 0.0821% | 4,323 |
| Credit loss provision to net charge-offs | 200.0000% | 1,419 |
| Earnings coverage of net charge-offs (x) | 16.8077% | 1,567 |
| Efficiency ratio | 80.7996% | 2,064 |
| Assets per employee ($millions) | 3.0365% | 5,990 |
| Cash dividends to net income (ytd only)* | 11.1498% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 2,577 |
| Loan loss allowance to noncurrent loans | 201.5126% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4045% | 3,615 |
| Noncurrent loans to loans | 0.9402% | 4,632 |
| Net loans and leases to total assets | 60.1344% | 3,790 |
| Net loans and leases to deposits | 69.7604% | 3,935 |
| Net loans and leases to core deposits | 71.4085% | 4,368 |
| Total domestic deposits to total assets | 86.2014% | 3,246 |
| Equity capital to assets | 11.1379% | 2,979 |
| Core capital (leverage) ratio | 10.7578% | 2,534 |
| Tier 1 risk-based capital ratio | 17.8604% | 2,340 |
| Total risk-based capital ratio | 19.1188% | 2,304 |
| Memoranda: | ||
| Average total assets | $102,542,330 | 4,843 |
| Average earning assets | $94,547,670 | 4,804 |
| Average equity | $11,307,330 | 4,751 |
| Average total loans | $63,371,000 | 4,658 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 2,805 |
| Cost of funding earning assets | 0.5740% | 5,326 |
| Net interest margin | 4.1866% | 1,791 |
| Noninterest income to average assets | 0.5362% | 3,656 |
| Noninterest expense to average assets | 3.6167% | 1,531 |
| Loan and lease loss provision to assets | 0.1174% | 3,875 |
| Net operating income to assets | 0.5167% | 4,753 |
| Return on assets (ROA) | 0.5167% | 4,965 |
| Pretax return on assets | 0.6850% | 4,842 |
| Return on Equity (ROE) | 4.7095% | 4,932 |
| Retained earnings to average equity (ytd only) | 4.1386% | 4,110 |
| Net charge-offs to loans | 0.1892% | 2,967 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.8333% | 2,150 |
| Efficiency ratio | 81.8423% | 1,953 |
| Assets per employee ($millions) | 2.8714% | 6,403 |
| Cash dividends to net income (ytd only)* | 12.1212% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8582% | 2,815 |
| Loan loss allowance to noncurrent loans | 265.6109% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 4,042 |
| Noncurrent loans to loans | 0.6996% | 5,261 |
| Net loans and leases to total assets | 59.9830% | 3,671 |
| Net loans and leases to deposits | 69.3506% | 3,825 |
| Net loans and leases to core deposits | 71.2423% | 4,260 |
| Total domestic deposits to total assets | 86.4923% | 3,250 |
| Equity capital to assets | 10.9276% | 2,999 |
| Core capital (leverage) ratio | 10.8590% | 2,376 |
| Tier 1 risk-based capital ratio | 17.7510% | 2,382 |
| Total risk-based capital ratio | 19.0096% | 2,357 |
| Memoranda: | ||
| Average total assets | $102,192,500 | 4,885 |
| Average earning assets | $94,777,500 | 4,824 |
| Average equity | $11,211,500 | 4,780 |
| Average total loans | $63,415,000 | 4,680 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0639% | 2,586 |
| Cost of funding earning assets | 0.7150% | 5,436 |
| Net interest margin | 4.3489% | 1,545 |
| Noninterest income to average assets | 0.5684% | 3,372 |
| Noninterest expense to average assets | 4.0264% | 1,004 |
| Loan and lease loss provision to assets | 0.1891% | 4,293 |
| Net operating income to assets | 0.2844% | 5,311 |
| Return on assets (ROA) | 0.3005% | 5,403 |
| Pretax return on assets | 0.3331% | 5,464 |
| Return on Equity (ROE) | 2.6628% | 5,415 |
| Retained earnings to average equity (ytd only) | 2.0670% | 4,742 |
| Net charge-offs to loans | -0.0465% | 7,049 |
| Credit loss provision to net charge-offs | -642.8571% | 6,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8683% | 1,286 |
| Assets per employee ($millions) | 2.7301% | 6,563 |
| Cash dividends to net income (ytd only)* | 22.3776% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,728 |
| Loan loss allowance to noncurrent loans | 305.7292% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2909% | 4,060 |
| Noncurrent loans to loans | 0.6033% | 5,510 |
| Net loans and leases to total assets | 61.8498% | 3,632 |
| Net loans and leases to deposits | 71.6520% | 3,854 |
| Net loans and leases to core deposits | 73.3513% | 4,332 |
| Total domestic deposits to total assets | 86.3197% | 3,131 |
| Equity capital to assets | 11.0153% | 2,966 |
| Core capital (leverage) ratio | 10.6227% | 2,596 |
| Tier 1 risk-based capital ratio | 17.6619% | 2,313 |
| Total risk-based capital ratio | 18.9208% | 2,279 |
| Memoranda: | ||
| Average total assets | $95,172,600 | 5,038 |
| Average earning assets | $86,712,200 | 5,035 |
| Average equity | $10,740,400 | 4,848 |
| Average total loans | $60,160,200 | 4,860 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 2,483 |
| Cost of funding earning assets | 0.7387% | 5,534 |
| Net interest margin | 4.3884% | 1,440 |
| Noninterest income to average assets | 0.5976% | 3,172 |
| Noninterest expense to average assets | 4.1872% | 809 |
| Loan and lease loss provision to assets | 0.1921% | 4,100 |
| Net operating income to assets | 0.2120% | 5,667 |
| Return on assets (ROA) | 0.2120% | 5,802 |
| Pretax return on assets | 0.1992% | 5,897 |
| Return on Equity (ROE) | 1.8664% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.2652% | 5,504 |
| Net charge-offs to loans | 0.0495% | 5,492 |
| Credit loss provision to net charge-offs | 613.6364% | 436 |
| Earnings coverage of net charge-offs (x) | 12.5012% | 1,702 |
| Efficiency ratio | 91.4543% | 1,076 |
| Assets per employee ($millions) | 2.6807% | 6,674 |
| Cash dividends to net income (ytd only)* | 32.2158% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 3,052 |
| Loan loss allowance to noncurrent loans | 320.1780% | 982 |
| Noncurrent assets plus other real estate owned to assets | 1.3025% | 4,205 |
| Noncurrent loans to loans | 0.5512% | 5,764 |
| Net loans and leases to total assets | 62.2320% | 3,663 |
| Net loans and leases to deposits | 72.6906% | 3,851 |
| Net loans and leases to core deposits | 74.5124% | 4,378 |
| Total domestic deposits to total assets | 85.6121% | 3,436 |
| Equity capital to assets | 11.4533% | 2,728 |
| Core capital (leverage) ratio | 11.4564% | 2,057 |
| Tier 1 risk-based capital ratio | 18.3002% | 2,151 |
| Total risk-based capital ratio | 19.5562% | 2,113 |
| Memoranda: | ||
| Average total assets | $93,712,250 | 5,112 |
| Average earning assets | $85,010,750 | 5,124 |
| Average equity | $10,643,750 | 4,882 |
| Average total loans | $59,287,500 | 4,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 2,491 |
| Cost of funding earning assets | 0.7598% | 5,625 |
| Net interest margin | 4.3843% | 1,422 |
| Noninterest income to average assets | 0.6079% | 3,080 |
| Noninterest expense to average assets | 4.2767% | 761 |
| Loan and lease loss provision to assets | 0.1940% | 3,989 |
| Net operating income to assets | 0.1574% | 5,863 |
| Return on assets (ROA) | 0.1574% | 5,962 |
| Pretax return on assets | 0.0927% | 6,111 |
| Return on Equity (ROE) | 1.3895% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.7804% | 5,546 |
| Net charge-offs to loans | 0.0614% | 5,038 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 7.3889% | 2,228 |
| Efficiency ratio | 93.7175% | 998 |
| Assets per employee ($millions) | 2.6834% | 6,663 |
| Cash dividends to net income (ytd only)* | 43.8356% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7296% | 3,226 |
| Loan loss allowance to noncurrent loans | 491.4692% | 674 |
| Noncurrent assets plus other real estate owned to assets | 1.3438% | 4,210 |
| Noncurrent loans to loans | 0.3519% | 6,218 |
| Net loans and leases to total assets | 64.5783% | 3,349 |
| Net loans and leases to deposits | 75.8686% | 3,503 |
| Net loans and leases to core deposits | 77.4829% | 4,120 |
| Total domestic deposits to total assets | 85.1186% | 3,825 |
| Equity capital to assets | 11.8365% | 2,218 |
| Core capital (leverage) ratio | 11.4113% | 1,964 |
| Tier 1 risk-based capital ratio | 18.6439% | 1,950 |
| Total risk-based capital ratio | 19.8996% | 1,915 |
| Memoranda: | ||
| Average total assets | $92,781,330 | 5,178 |
| Average earning assets | $83,708,670 | 5,205 |
| Average equity | $10,507,330 | 4,920 |
| Average total loans | $58,671,330 | 5,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 2,987 |
| Cost of funding earning assets | 0.7632% | 5,784 |
| Net interest margin | 4.2615% | 1,696 |
| Noninterest income to average assets | 0.6285% | 2,971 |
| Noninterest expense to average assets | 4.1003% | 920 |
| Loan and lease loss provision to assets | 0.1924% | 3,705 |
| Net operating income to assets | 0.2608% | 5,579 |
| Return on assets (ROA) | 0.2608% | 5,642 |
| Pretax return on assets | 0.1796% | 5,989 |
| Return on Equity (ROE) | 2.3549% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.7372% | 5,075 |
| Net charge-offs to loans | 0.1310% | 3,725 |
| Credit loss provision to net charge-offs | 236.8421% | 1,303 |
| Earnings coverage of net charge-offs (x) | 4.5789% | 2,440 |
| Efficiency ratio | 91.6826% | 1,185 |
| Assets per employee ($millions) | 2.9026% | 6,342 |
| Cash dividends to net income (ytd only)* | 26.2295% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,320 |
| Loan loss allowance to noncurrent loans | 324.5098% | 952 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 4,219 |
| Noncurrent loans to loans | 0.5257% | 5,973 |
| Net loans and leases to total assets | 59.7290% | 4,323 |
| Net loans and leases to deposits | 69.0616% | 4,520 |
| Net loans and leases to core deposits | 70.6984% | 4,963 |
| Total domestic deposits to total assets | 86.4865% | 3,240 |
| Equity capital to assets | 10.8826% | 2,796 |
| Core capital (leverage) ratio | 11.5926% | 1,798 |
| Tier 1 risk-based capital ratio | 18.6494% | 1,912 |
| Total risk-based capital ratio | 19.9048% | 1,860 |
| Memoranda: | ||
| Average total assets | $93,554,500 | 5,186 |
| Average earning assets | $84,383,000 | 5,214 |
| Average equity | $10,361,500 | 4,952 |
| Average total loans | $58,029,500 | 5,090 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 3,441 |
| Cost of funding earning assets | 0.9917% | 5,731 |
| Net interest margin | 4.2422% | 2,024 |
| Noninterest income to average assets | 1.2622% | 928 |
| Noninterest expense to average assets | 4.2328% | 872 |
| Loan and lease loss provision to assets | 0.5179% | 3,084 |
| Net operating income to assets | 0.2927% | 4,961 |
| Return on assets (ROA) | 0.3116% | 5,066 |
| Pretax return on assets | 0.3497% | 5,080 |
| Return on Equity (ROE) | 2.6157% | 5,124 |
| Retained earnings to average equity (ytd only) | 2.0135% | 4,458 |
| Net charge-offs to loans | 0.9612% | 2,253 |
| Credit loss provision to net charge-offs | 86.1940% | 5,275 |
| Earnings coverage of net charge-offs (x) | 1.4086% | 4,707 |
| Efficiency ratio | 83.3370% | 2,009 |
| Assets per employee ($millions) | 2.7674% | 6,578 |
| Cash dividends to net income (ytd only)* | 23.0216% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6697% | 3,330 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 1.8758% | 3,517 |
| Noncurrent loans to loans | 0.6534% | 5,752 |
| Net loans and leases to total assets | 62.2932% | 4,224 |
| Net loans and leases to deposits | 72.5427% | 4,421 |
| Net loans and leases to core deposits | 73.7034% | 5,017 |
| Total domestic deposits to total assets | 85.8710% | 3,427 |
| Equity capital to assets | 11.2776% | 2,432 |
| Core capital (leverage) ratio | 11.3102% | 1,951 |
| Tier 1 risk-based capital ratio | 18.8927% | 1,748 |
| Total risk-based capital ratio | 20.1487% | 1,715 |
| Memoranda: | ||
| Average total assets | $89,208,200 | 5,316 |
| Average earning assets | $80,264,800 | 5,338 |
| Average equity | $10,628,000 | 4,953 |
| Average total loans | $55,761,000 | 5,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 3,540 |
| Cost of funding earning assets | 1.0379% | 5,755 |
| Net interest margin | 4.2202% | 2,146 |
| Noninterest income to average assets | 1.4975% | 611 |
| Noninterest expense to average assets | 4.2218% | 804 |
| Loan and lease loss provision to assets | 0.6270% | 2,426 |
| Net operating income to assets | 0.3563% | 4,945 |
| Return on assets (ROA) | 0.3789% | 5,032 |
| Pretax return on assets | 0.4796% | 4,993 |
| Return on Equity (ROE) | 3.1371% | 5,168 |
| Retained earnings to average equity (ytd only) | 2.5395% | 4,641 |
| Net charge-offs to loans | 1.1996% | 1,698 |
| Credit loss provision to net charge-offs | 83.9034% | 5,007 |
| Earnings coverage of net charge-offs (x) | 1.4427% | 4,644 |
| Efficiency ratio | 79.6596% | 2,396 |
| Assets per employee ($millions) | 2.7827% | 6,620 |
| Cash dividends to net income (ytd only)* | 19.0482% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 3,146 |
| Loan loss allowance to noncurrent loans | 366.0305% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 3,657 |
| Noncurrent loans to loans | 0.4648% | 6,261 |
| Net loans and leases to total assets | 62.2244% | 4,482 |
| Net loans and leases to deposits | 73.4858% | 4,594 |
| Net loans and leases to core deposits | 74.7901% | 5,192 |
| Total domestic deposits to total assets | 84.6755% | 3,784 |
| Equity capital to assets | 12.1307% | 2,074 |
| Core capital (leverage) ratio | 12.1160% | 1,608 |
| Tier 1 risk-based capital ratio | 19.2695% | 1,691 |
| Total risk-based capital ratio | 20.5244% | 1,661 |
| Memoranda: | ||
| Average total assets | $88,679,500 | 5,391 |
| Average earning assets | $79,899,500 | 5,411 |
| Average equity | $10,710,250 | 4,994 |
| Average total loans | $55,237,750 | 5,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 3,996 |
| Cost of funding earning assets | 1.0791% | 5,790 |
| Net interest margin | 4.1135% | 2,495 |
| Noninterest income to average assets | 1.9287% | 372 |
| Noninterest expense to average assets | 4.2888% | 735 |
| Loan and lease loss provision to assets | 0.2823% | 4,145 |
| Net operating income to assets | 0.7663% | 3,117 |
| Return on assets (ROA) | 0.7972% | 3,132 |
| Pretax return on assets | 1.1111% | 2,749 |
| Return on Equity (ROE) | 6.6107% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.0114% | 2,323 |
| Net charge-offs to loans | 1.1921% | 1,592 |
| Credit loss provision to net charge-offs | 38.2263% | 5,632 |
| Earnings coverage of net charge-offs (x) | 1.8287% | 4,153 |
| Efficiency ratio | 76.0513% | 3,067 |
| Assets per employee ($millions) | 2.7663% | 6,647 |
| Cash dividends to net income (ytd only)* | 9.0652% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5175% | 3,830 |
| Loan loss allowance to noncurrent loans | 42.5879% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 2,717 |
| Noncurrent loans to loans | 3.5632% | 2,212 |
| Net loans and leases to total assets | 61.2905% | 4,824 |
| Net loans and leases to deposits | 72.4530% | 4,918 |
| Net loans and leases to core deposits | 74.0097% | 5,446 |
| Total domestic deposits to total assets | 84.5935% | 3,824 |
| Equity capital to assets | 12.2864% | 1,931 |
| Core capital (leverage) ratio | 11.9166% | 1,693 |
| Tier 1 risk-based capital ratio | 19.4866% | 1,610 |
| Total risk-based capital ratio | 20.7402% | 1,580 |
| Memoranda: | ||
| Average total assets | $88,557,000 | 5,434 |
| Average earning assets | $79,884,000 | 5,445 |
| Average equity | $10,679,670 | 5,009 |
| Average total loans | $54,861,000 | 5,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 4,820 |
| Cost of funding earning assets | 1.1173% | 5,817 |
| Net interest margin | 3.9257% | 3,218 |
| Noninterest income to average assets | 3.1792% | 201 |
| Noninterest expense to average assets | 4.5385% | 558 |
| Loan and lease loss provision to assets | 0.2258% | 4,234 |
| Net operating income to assets | 1.3375% | 1,205 |
| Return on assets (ROA) | 1.3593% | 1,235 |
| Pretax return on assets | 1.9690% | 641 |
| Return on Equity (ROE) | 11.3783% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.7735% | 970 |
| Net charge-offs to loans | 0.0146% | 5,381 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 239.5000% | 142 |
| Efficiency ratio | 67.7224% | 4,778 |
| Assets per employee ($millions) | 2.8012% | 6,645 |
| Cash dividends to net income (ytd only)* | 5.3156% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 2,244 |
| Loan loss allowance to noncurrent loans | 47.1608% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 4.0373% | 1,697 |
| Noncurrent loans to loans | 4.1985% | 1,839 |
| Net loans and leases to total assets | 60.0855% | 5,108 |
| Net loans and leases to deposits | 70.7706% | 5,232 |
| Net loans and leases to core deposits | 72.2662% | 5,682 |
| Total domestic deposits to total assets | 84.9017% | 3,721 |
| Equity capital to assets | 11.9591% | 2,060 |
| Core capital (leverage) ratio | 12.1723% | 1,559 |
| Tier 1 risk-based capital ratio | 18.8701% | 1,748 |
| Total risk-based capital ratio | 20.1285% | 1,710 |
| Memoranda: | ||
| Average total assets | $88,575,000 | 5,492 |
| Average earning assets | $79,475,500 | 5,524 |
| Average equity | $10,581,500 | 5,078 |
| Average total loans | $54,746,000 | 5,459 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6589% | 3,297 |
| Cost of funding earning assets | 1.3553% | 6,119 |
| Net interest margin | 4.3036% | 1,707 |
| Noninterest income to average assets | 0.6894% | 3,040 |
| Noninterest expense to average assets | 4.4535% | 834 |
| Loan and lease loss provision to assets | 0.4980% | 3,884 |
| Net operating income to assets | -0.1815% | 5,822 |
| Return on assets (ROA) | -0.0928% | 5,674 |
| Pretax return on assets | -0.2525% | 5,771 |
| Return on Equity (ROE) | -0.7408% | 5,664 |
| Retained earnings to average equity (ytd only) | -1.3410% | 5,358 |
| Net charge-offs to loans | 1.2364% | 1,999 |
| Credit loss provision to net charge-offs | 58.5635% | 6,662 |
| Earnings coverage of net charge-offs (x) | 0.1257% | 6,036 |
| Efficiency ratio | 97.6565% | 1,230 |
| Assets per employee ($millions) | 2.5739% | 7,081 |
| Cash dividends to net income (ytd only)* | -81.0127% | 7,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,253 |
| Loan loss allowance to noncurrent loans | 44.2128% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 4.5606% | 1,415 |
| Noncurrent loans to loans | 4.3084% | 1,675 |
| Net loans and leases to total assets | 61.1409% | 5,168 |
| Net loans and leases to deposits | 71.9830% | 5,332 |
| Net loans and leases to core deposits | 80.5568% | 6,034 |
| Total domestic deposits to total assets | 84.9379% | 3,579 |
| Equity capital to assets | 11.9334% | 2,069 |
| Core capital (leverage) ratio | 11.6459% | 1,843 |
| Tier 1 risk-based capital ratio | 18.3160% | 1,806 |
| Total risk-based capital ratio | 19.5722% | 1,759 |
| Memoranda: | ||
| Average total assets | $85,145,800 | 5,554 |
| Average earning assets | $76,586,800 | 5,577 |
| Average equity | $10,664,000 | 5,110 |
| Average total loans | $58,559,400 | 5,316 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7855% | 2,949 |
| Cost of funding earning assets | 1.3913% | 6,264 |
| Net interest margin | 4.3943% | 1,456 |
| Noninterest income to average assets | 0.6985% | 3,023 |
| Noninterest expense to average assets | 4.4246% | 807 |
| Loan and lease loss provision to assets | 0.1703% | 5,659 |
| Net operating income to assets | 0.0788% | 5,532 |
| Return on assets (ROA) | 0.2334% | 5,126 |
| Pretax return on assets | 0.2176% | 5,259 |
| Return on Equity (ROE) | 1.8409% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.2438% | 4,627 |
| Net charge-offs to loans | 0.7297% | 2,534 |
| Credit loss provision to net charge-offs | 33.1288% | 6,483 |
| Earnings coverage of net charge-offs (x) | 0.4540% | 5,574 |
| Efficiency ratio | 94.9898% | 1,333 |
| Assets per employee ($millions) | 2.3191% | 7,478 |
| Cash dividends to net income (ytd only)* | 32.4330% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9923% | 1,822 |
| Loan loss allowance to noncurrent loans | 142.0786% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 2.6818% | 2,596 |
| Noncurrent loans to loans | 1.4023% | 4,572 |
| Net loans and leases to total assets | 66.0514% | 4,423 |
| Net loans and leases to deposits | 78.9907% | 4,563 |
| Net loans and leases to core deposits | 88.9522% | 5,531 |
| Total domestic deposits to total assets | 83.6192% | 3,894 |
| Equity capital to assets | 12.9372% | 1,723 |
| Core capital (leverage) ratio | 12.7582% | 1,466 |
| Tier 1 risk-based capital ratio | 19.1436% | 1,710 |
| Total risk-based capital ratio | 20.4037% | 1,676 |
| Memoranda: | ||
| Average total assets | $84,554,500 | 5,604 |
| Average earning assets | $76,188,000 | 5,625 |
| Average equity | $10,719,250 | 5,139 |
| Average total loans | $59,563,250 | 5,308 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8819% | 2,666 |
| Cost of funding earning assets | 1.3941% | 6,499 |
| Net interest margin | 4.4878% | 1,192 |
| Noninterest income to average assets | 0.7090% | 2,937 |
| Noninterest expense to average assets | 4.4235% | 840 |
| Loan and lease loss provision to assets | 0.1413% | 5,657 |
| Net operating income to assets | 0.1642% | 5,378 |
| Return on assets (ROA) | 0.3627% | 4,749 |
| Pretax return on assets | 0.4240% | 4,860 |
| Return on Equity (ROE) | 2.8807% | 4,948 |
| Retained earnings to average equity (ytd only) | 2.2821% | 4,065 |
| Net charge-offs to loans | 0.2044% | 4,250 |
| Credit loss provision to net charge-offs | 96.7742% | 4,712 |
| Earnings coverage of net charge-offs (x) | 2.2903% | 3,923 |
| Efficiency ratio | 92.9703% | 1,568 |
| Assets per employee ($millions) | 2.2784% | 7,584 |
| Cash dividends to net income (ytd only)* | 20.7792% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3516% | 1,042 |
| Loan loss allowance to noncurrent loans | 67.1859% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.9565% | 2,158 |
| Noncurrent loans to loans | 3.5001% | 2,008 |
| Net loans and leases to total assets | 67.6859% | 4,211 |
| Net loans and leases to deposits | 80.9961% | 4,389 |
| Net loans and leases to core deposits | 89.3621% | 5,591 |
| Total domestic deposits to total assets | 83.5668% | 3,978 |
| Equity capital to assets | 13.0049% | 1,689 |
| Core capital (leverage) ratio | 12.7355% | 1,528 |
| Tier 1 risk-based capital ratio | 16.9873% | 2,306 |
| Total risk-based capital ratio | 18.2462% | 2,250 |
| Memoranda: | ||
| Average total assets | $84,910,000 | 5,618 |
| Average earning assets | $76,607,330 | 5,653 |
| Average equity | $10,692,000 | 5,164 |
| Average total loans | $60,662,330 | 5,300 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9012% | 2,790 |
| Cost of funding earning assets | 1.3985% | 6,735 |
| Net interest margin | 4.5027% | 1,121 |
| Noninterest income to average assets | 0.6624% | 3,116 |
| Noninterest expense to average assets | 4.3032% | 851 |
| Loan and lease loss provision to assets | 0.1390% | 5,178 |
| Net operating income to assets | 0.2316% | 5,556 |
| Return on assets (ROA) | 0.3242% | 5,371 |
| Pretax return on assets | 0.4076% | 5,373 |
| Return on Equity (ROE) | 2.6157% | 5,522 |
| Retained earnings to average equity (ytd only) | 2.0178% | 4,740 |
| Net charge-offs to loans | 0.1407% | 3,833 |
| Credit loss provision to net charge-offs | 136.3636% | 2,975 |
| Earnings coverage of net charge-offs (x) | 4.2273% | 2,940 |
| Efficiency ratio | 90.9002% | 1,655 |
| Assets per employee ($millions) | 2.5134% | 7,252 |
| Cash dividends to net income (ytd only)* | 22.8571% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1599% | 1,126 |
| Loan loss allowance to noncurrent loans | 72.9043% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.9396% | 1,930 |
| Noncurrent loans to loans | 2.9627% | 2,205 |
| Net loans and leases to total assets | 71.4540% | 3,365 |
| Net loans and leases to deposits | 84.8741% | 3,840 |
| Net loans and leases to core deposits | 94.5070% | 5,113 |
| Total domestic deposits to total assets | 84.1882% | 3,608 |
| Equity capital to assets | 12.5598% | 1,943 |
| Core capital (leverage) ratio | 12.3761% | 1,732 |
| Tier 1 risk-based capital ratio | 15.6194% | 2,807 |
| Total risk-based capital ratio | 16.8738% | 2,745 |
| Memoranda: | ||
| Average total assets | $86,353,500 | 5,594 |
| Average earning assets | $78,086,000 | 5,622 |
| Average equity | $10,704,500 | 5,185 |
| Average total loans | $62,566,000 | 5,260 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4134% | 3,344 |
| Cost of funding earning assets | 1.8045% | 6,993 |
| Net interest margin | 4.6089% | 1,155 |
| Noninterest income to average assets | 0.7031% | 3,107 |
| Noninterest expense to average assets | 4.4567% | 903 |
| Loan and lease loss provision to assets | 1.1466% | 1,274 |
| Net operating income to assets | -0.3910% | 6,812 |
| Return on assets (ROA) | -0.3903% | 6,692 |
| Pretax return on assets | -0.7130% | 6,821 |
| Return on Equity (ROE) | -3.1847% | 6,645 |
| Retained earnings to average equity (ytd only) | -3.7638% | 6,278 |
| Net charge-offs to loans | 0.8306% | 1,508 |
| Credit loss provision to net charge-offs | 190.4236% | 2,590 |
| Earnings coverage of net charge-offs (x) | 0.7182% | 5,793 |
| Efficiency ratio | 91.1545% | 1,434 |
| Assets per employee ($millions) | 2.2961% | 7,573 |
| Cash dividends to net income (ytd only)* | -18.1818% | 7,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1348% | 1,022 |
| Loan loss allowance to noncurrent loans | 125.0233% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,030 |
| Noncurrent loans to loans | 1.7075% | 3,210 |
| Net loans and leases to total assets | 70.3525% | 3,935 |
| Net loans and leases to deposits | 83.3173% | 4,523 |
| Net loans and leases to core deposits | 92.6663% | 5,569 |
| Total domestic deposits to total assets | 84.4393% | 3,108 |
| Equity capital to assets | 12.2358% | 2,146 |
| Core capital (leverage) ratio | 11.7287% | 2,110 |
| Tier 1 risk-based capital ratio | 15.3480% | 2,901 |
| Total risk-based capital ratio | 16.6014% | 2,831 |
| Memoranda: | ||
| Average total assets | $90,178,200 | 5,349 |
| Average earning assets | $81,906,400 | 5,379 |
| Average equity | $11,052,800 | 5,105 |
| Average total loans | $65,376,600 | 5,042 |