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 | 4.2332% | 3,569 |
| Cost of funding earning assets | 2.1624% | 690 |
| Net interest margin | 2.0708% | 4,391 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.1213% | 3,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0789% | 4,272 |
| Return on assets (ROA) | 0.0781% | 4,299 |
| Pretax return on assets | 0.0427% | 4,316 |
| Return on Equity (ROE) | 1.0000% | 4,263 |
| Retained earnings to average equity (ytd only) | -3.1248% | 4,335 |
| Net charge-offs to loans | 0.0138% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,457 |
| Efficiency ratio | 97.9947% | 216 |
| Assets per employee ($millions) | 10.5445% | 607 |
| Cash dividends to net income (ytd only)* | 412.0370% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,259 |
| 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 | 42.8700% | 3,940 |
| Net loans and leases to deposits | 46.1286% | 4,044 |
| Net loans and leases to core deposits | 51.6141% | 4,039 |
| Total domestic deposits to total assets | 92.9400% | 182 |
| Equity capital to assets | 6.9382% | 3,961 |
| Core capital (leverage) ratio | 11.4365% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3780% | 580 |
| Memoranda: | ||
| Average total assets | $138,216,400 | 3,478 |
| Average earning assets | $133,233,600 | 3,414 |
| Average equity | $10,784,800 | 3,642 |
| Average total loans | $65,013,600 | 3,629 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 3,256 |
| Cost of funding earning assets | 2.1091% | 584 |
| Net interest margin | 2.2109% | 4,348 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 2.1606% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1491% | 4,280 |
| Return on assets (ROA) | 0.1481% | 4,296 |
| Pretax return on assets | 0.1381% | 4,317 |
| Return on Equity (ROE) | 1.8400% | 4,217 |
| Retained earnings to average equity (ytd only) | -3.6879% | 4,387 |
| Net charge-offs to loans | 0.0062% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 46.3333% | 1,354 |
| Efficiency ratio | 93.9513% | 266 |
| Assets per employee ($millions) | 7.1746% | 1,837 |
| Cash dividends to net income (ytd only)* | 300.6757% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5444% | 1,002 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 51.9000% | 3,503 |
| Net loans and leases to deposits | 56.9712% | 3,661 |
| Net loans and leases to core deposits | 62.9674% | 3,577 |
| Total domestic deposits to total assets | 91.1000% | 647 |
| Equity capital to assets | 7.8635% | 3,143 |
| Core capital (leverage) ratio | 11.8466% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8349% | 565 |
| Memoranda: | ||
| Average total assets | $133,228,750 | 3,526 |
| Average earning assets | $128,392,500 | 3,466 |
| Average equity | $10,737,500 | 3,646 |
| Average total loans | $64,068,000 | 3,651 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 3,375 |
| Cost of funding earning assets | 1.9637% | 536 |
| Net interest margin | 2.1980% | 4,428 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.0806% | 3,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.1869% | 4,294 |
| Return on assets (ROA) | 0.1854% | 4,317 |
| Pretax return on assets | 0.1883% | 4,334 |
| Return on Equity (ROE) | 2.2800% | 4,235 |
| Retained earnings to average equity (ytd only) | -5.7196% | 4,445 |
| Net charge-offs to loans | 0.0063% | 2,015 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 1,155 |
| Efficiency ratio | 91.6399% | 307 |
| Assets per employee ($millions) | 8.1167% | 1,269 |
| Cash dividends to net income (ytd only)* | 350.3937% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,001 |
| 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 | 48.0100% | 3,690 |
| Net loans and leases to deposits | 52.5693% | 3,813 |
| Net loans and leases to core deposits | 57.7159% | 3,732 |
| Total domestic deposits to total assets | 91.3300% | 546 |
| Equity capital to assets | 8.4125% | 2,936 |
| Core capital (leverage) ratio | 11.5415% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3859% | 530 |
| Memoranda: | ||
| Average total assets | $136,982,000 | 3,499 |
| Average earning assets | $132,301,000 | 3,444 |
| Average equity | $11,119,667 | 3,625 |
| Average total loans | $63,992,000 | 3,655 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0716% | 3,312 |
| Cost of funding earning assets | 1.8387% | 423 |
| Net interest margin | 2.2329% | 4,483 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.0151% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2562% | 4,302 |
| Return on assets (ROA) | 0.2562% | 4,269 |
| Pretax return on assets | 0.2932% | 4,268 |
| Return on Equity (ROE) | 3.2100% | 4,157 |
| Retained earnings to average equity (ytd only) | -12.6594% | 4,521 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.2996% | 452 |
| Assets per employee ($millions) | 7.4853% | 1,629 |
| Cash dividends to net income (ytd only)* | 494.4444% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,132 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.0600% | 3,706 |
| Net loans and leases to deposits | 51.6218% | 3,815 |
| Net loans and leases to core deposits | 53.9249% | 3,834 |
| Total domestic deposits to total assets | 91.1600% | 751 |
| Equity capital to assets | 8.1961% | 3,110 |
| Core capital (leverage) ratio | 10.8654% | 1,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5545% | 605 |
| Memoranda: | ||
| Average total assets | $140,539,500 | 3,516 |
| Average earning assets | $135,967,500 | 3,449 |
| Average equity | $11,217,000 | 3,653 |
| Average total loans | $64,314,500 | 3,689 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4301% | 3,270 |
| Cost of funding earning assets | 0.5977% | 911 |
| Net interest margin | 2.8323% | 3,826 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 2.1028% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7098% | 3,591 |
| Return on assets (ROA) | 0.6514% | 3,705 |
| Pretax return on assets | 0.8537% | 3,480 |
| Return on Equity (ROE) | 7.0700% | 3,625 |
| Retained earnings to average equity (ytd only) | 2.5034% | 3,855 |
| Net charge-offs to loans | 0.0031% | 2,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 639.5000% | 270 |
| Efficiency ratio | 69.3873% | 1,770 |
| Assets per employee ($millions) | 9.7563% | 729 |
| Cash dividends to net income (ytd only)* | 64.5880% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5912% | 992 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.1900% | 3,923 |
| Net loans and leases to deposits | 46.8810% | 4,014 |
| Net loans and leases to core deposits | 48.7791% | 4,026 |
| Total domestic deposits to total assets | 92.1300% | 606 |
| Equity capital to assets | 7.7837% | 3,199 |
| Core capital (leverage) ratio | 11.2571% | 1,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7655% | 563 |
| Memoranda: | ||
| Average total assets | $137,863,800 | 3,554 |
| Average earning assets | $133,670,800 | 3,490 |
| Average equity | $12,702,600 | 3,599 |
| Average total loans | $65,089,600 | 3,659 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3379% | 3,079 |
| Cost of funding earning assets | 0.4242% | 1,128 |
| Net interest margin | 2.9137% | 3,454 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.1678% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7435% | 3,439 |
| Return on assets (ROA) | 0.7435% | 3,388 |
| Pretax return on assets | 0.9557% | 3,157 |
| Return on Equity (ROE) | 7.7500% | 3,399 |
| Retained earnings to average equity (ytd only) | 1.8111% | 4,068 |
| Net charge-offs to loans | 0.0020% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 973.0000% | 156 |
| Efficiency ratio | 69.4025% | 1,834 |
| Assets per employee ($millions) | 7.9290% | 1,358 |
| Cash dividends to net income (ytd only)* | 76.6182% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 1,176 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 51.3500% | 3,352 |
| Net loans and leases to deposits | 57.4509% | 3,380 |
| Net loans and leases to core deposits | 64.1561% | 3,099 |
| Total domestic deposits to total assets | 89.3700% | 1,929 |
| Equity capital to assets | 8.4066% | 2,601 |
| Core capital (leverage) ratio | 11.7477% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3598% | 533 |
| Memoranda: | ||
| Average total assets | $135,743,750 | 3,602 |
| Average earning assets | $131,694,500 | 3,528 |
| Average equity | $13,030,500 | 3,609 |
| Average total loans | $65,305,250 | 3,671 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1475% | 3,192 |
| Cost of funding earning assets | 0.2995% | 1,715 |
| Net interest margin | 2.8480% | 3,296 |
| Noninterest income to average assets | 0.3417% | 3,112 |
| Noninterest expense to average assets | 2.0893% | 3,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7945% | 2,978 |
| Return on assets (ROA) | 0.7945% | 2,950 |
| Pretax return on assets | 1.0223% | 2,647 |
| Return on Equity (ROE) | 7.9745% | 3,022 |
| Retained earnings to average equity (ytd only) | -0.4197% | 4,231 |
| Net charge-offs to loans | 0.0031% | 1,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 709.0000% | 200 |
| Efficiency ratio | 67.1455% | 2,366 |
| Assets per employee ($millions) | 7.8742% | 1,367 |
| Cash dividends to net income (ytd only)* | 105.2632% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.0757% | 3,147 |
| Net loans and leases to deposits | 58.8152% | 3,150 |
| Net loans and leases to core deposits | 59.6048% | 3,299 |
| Total domestic deposits to total assets | 88.5411% | 2,365 |
| Equity capital to assets | 8.3392% | 2,878 |
| Core capital (leverage) ratio | 11.4064% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1053% | 618 |
| Memoranda: | ||
| Average total assets | $138,703,667 | 3,612 |
| Average earning assets | $134,902,000 | 3,545 |
| Average equity | $13,819,000 | 3,601 |
| Average total loans | $65,019,667 | 3,711 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9597% | 3,371 |
| Cost of funding earning assets | 0.2728% | 1,900 |
| Net interest margin | 2.6870% | 3,435 |
| Noninterest income to average assets | 0.1956% | 3,989 |
| Noninterest expense to average assets | 2.0918% | 3,172 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5725% | 3,487 |
| Return on assets (ROA) | 0.5725% | 3,464 |
| Pretax return on assets | 0.7284% | 3,309 |
| Return on Equity (ROE) | 5.3344% | 3,532 |
| Retained earnings to average equity (ytd only) | -9.9822% | 4,561 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1709% | 1,723 |
| Assets per employee ($millions) | 8.6751% | 1,037 |
| Cash dividends to net income (ytd only)* | 287.1287% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,191 |
| 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 | 44.4662% | 3,708 |
| Net loans and leases to deposits | 49.4353% | 3,779 |
| Net loans and leases to core deposits | 50.0645% | 3,870 |
| Total domestic deposits to total assets | 89.9483% | 1,591 |
| Equity capital to assets | 9.7916% | 2,057 |
| Core capital (leverage) ratio | 10.9800% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2405% | 477 |
| Memoranda: | ||
| Average total assets | $141,125,000 | 3,606 |
| Average earning assets | $137,851,000 | 3,526 |
| Average equity | $15,147,000 | 3,553 |
| Average total loans | $62,163,500 | 3,757 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9297% | 4,005 |
| Cost of funding earning assets | 0.2960% | 2,444 |
| Net interest margin | 2.6337% | 3,988 |
| Noninterest income to average assets | 0.7139% | 1,715 |
| Noninterest expense to average assets | 2.0379% | 3,559 |
| Loan and lease loss provision to assets | 0.0764% | 1,588 |
| Net operating income to assets | 0.9042% | 3,025 |
| Return on assets (ROA) | 0.8982% | 3,110 |
| Pretax return on assets | 1.1565% | 2,799 |
| Return on Equity (ROE) | 7.1215% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.4244% | 2,605 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1590% | 2,847 |
| Assets per employee ($millions) | 7.9693% | 1,348 |
| Cash dividends to net income (ytd only)* | 23.8298% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.2167% | 3,969 |
| Net loans and leases to deposits | 47.8655% | 4,005 |
| Net loans and leases to core deposits | 48.4666% | 4,077 |
| Total domestic deposits to total assets | 88.1985% | 1,934 |
| Equity capital to assets | 11.6439% | 1,430 |
| Core capital (leverage) ratio | 11.7726% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5836% | 415 |
| Memoranda: | ||
| Average total assets | $130,822,600 | 3,676 |
| Average earning assets | $127,385,400 | 3,606 |
| Average equity | $16,499,400 | 3,505 |
| Average total loans | $58,196,200 | 3,846 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0026% | 3,996 |
| Cost of funding earning assets | 0.3054% | 2,540 |
| Net interest margin | 2.6972% | 3,985 |
| Noninterest income to average assets | 0.2016% | 4,191 |
| Noninterest expense to average assets | 2.0564% | 3,498 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6120% | 3,983 |
| Return on assets (ROA) | 0.6036% | 4,049 |
| Pretax return on assets | 0.7540% | 3,971 |
| Return on Equity (ROE) | 4.6852% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.4156% | 4,076 |
| Net charge-offs to loans | -0.0023% | 3,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8989% | 1,323 |
| Assets per employee ($millions) | 6.9374% | 1,916 |
| Cash dividends to net income (ytd only)* | 48.4429% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6591% | 1,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 1,450 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.4888% | 3,756 |
| Net loans and leases to deposits | 56.2282% | 3,563 |
| Net loans and leases to core deposits | 57.1472% | 3,691 |
| Total domestic deposits to total assets | 82.6787% | 3,781 |
| Equity capital to assets | 13.9991% | 738 |
| Core capital (leverage) ratio | 12.7794% | 899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9762% | 375 |
| Memoranda: | ||
| Average total assets | $127,666,250 | 3,743 |
| Average earning assets | $123,978,250 | 3,676 |
| Average equity | $16,448,500 | 3,556 |
| Average total loans | $57,349,500 | 3,921 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9686% | 4,099 |
| Cost of funding earning assets | 0.3003% | 2,775 |
| Net interest margin | 2.6683% | 4,042 |
| Noninterest income to average assets | 0.2032% | 4,188 |
| Noninterest expense to average assets | 1.9754% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6539% | 3,867 |
| Return on assets (ROA) | 0.6539% | 3,928 |
| Pretax return on assets | 0.8204% | 3,818 |
| Return on Equity (ROE) | 5.2106% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.2106% | 3,114 |
| Net charge-offs to loans | -0.0035% | 3,323 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6557% | 1,568 |
| Assets per employee ($millions) | 7.4389% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5615% | 1,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,710 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 46.1103% | 3,893 |
| Net loans and leases to deposits | 53.6963% | 3,877 |
| Net loans and leases to core deposits | 54.4829% | 3,997 |
| Total domestic deposits to total assets | 85.8724% | 2,786 |
| Equity capital to assets | 12.9968% | 941 |
| Core capital (leverage) ratio | 12.1002% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4722% | 457 |
| Memoranda: | ||
| Average total assets | $130,909,667 | 3,717 |
| Average earning assets | $127,198,667 | 3,656 |
| Average equity | $16,428,000 | 3,564 |
| Average total loans | $57,882,000 | 3,932 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8758% | 4,287 |
| Cost of funding earning assets | 0.3061% | 2,925 |
| Net interest margin | 2.5697% | 4,205 |
| Noninterest income to average assets | 0.2073% | 4,139 |
| Noninterest expense to average assets | 1.9379% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6069% | 3,926 |
| Return on assets (ROA) | 0.6069% | 3,989 |
| Pretax return on assets | 0.7661% | 3,873 |
| Return on Equity (ROE) | 4.9196% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.9196% | 3,242 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6667% | 1,531 |
| Assets per employee ($millions) | 8.7887% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 1,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 1,979 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.9970% | 4,177 |
| Net loans and leases to deposits | 49.1166% | 4,216 |
| Net loans and leases to core deposits | 49.7927% | 4,303 |
| Total domestic deposits to total assets | 87.5408% | 2,071 |
| Equity capital to assets | 12.2840% | 1,160 |
| Core capital (leverage) ratio | 11.5682% | 1,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9229% | 409 |
| Memoranda: | ||
| Average total assets | $133,133,500 | 3,704 |
| Average earning assets | $129,353,500 | 3,638 |
| Average equity | $16,424,000 | 3,566 |
| Average total loans | $57,204,500 | 3,967 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3134% | 4,312 |
| Cost of funding earning assets | 0.6259% | 2,148 |
| Net interest margin | 2.6875% | 4,393 |
| Noninterest income to average assets | 0.1974% | 4,292 |
| Noninterest expense to average assets | 2.2717% | 3,486 |
| Loan and lease loss provision to assets | 0.0858% | 3,295 |
| Net operating income to assets | 0.3618% | 4,326 |
| Return on assets (ROA) | 0.4815% | 4,153 |
| Pretax return on assets | 0.5836% | 4,112 |
| Return on Equity (ROE) | 3.5326% | 4,263 |
| Retained earnings to average equity (ytd only) | 2.1724% | 3,755 |
| Net charge-offs to loans | -0.0154% | 4,360 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2711% | 795 |
| Assets per employee ($millions) | 7.9081% | 1,069 |
| Cash dividends to net income (ytd only)* | 38.5027% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 2,180 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 41.5645% | 4,376 |
| Net loans and leases to deposits | 47.4935% | 4,413 |
| Net loans and leases to core deposits | 48.1333% | 4,482 |
| Total domestic deposits to total assets | 87.5161% | 1,700 |
| Equity capital to assets | 12.3880% | 1,371 |
| Core capital (leverage) ratio | 12.1388% | 1,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4372% | 369 |
| Memoranda: | ||
| Average total assets | $116,520,400 | 3,787 |
| Average earning assets | $112,634,000 | 3,726 |
| Average equity | $15,880,800 | 3,568 |
| Average total loans | $52,025,200 | 4,066 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4784% | 4,241 |
| Cost of funding earning assets | 0.7351% | 1,832 |
| Net interest margin | 2.7432% | 4,407 |
| Noninterest income to average assets | 0.1904% | 4,337 |
| Noninterest expense to average assets | 2.3467% | 3,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3900% | 4,283 |
| Return on assets (ROA) | 0.5545% | 3,986 |
| Pretax return on assets | 0.6985% | 3,903 |
| Return on Equity (ROE) | 3.9606% | 4,166 |
| Retained earnings to average equity (ytd only) | 3.9606% | 3,073 |
| Net charge-offs to loans | -0.0262% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7181% | 696 |
| Assets per employee ($millions) | 6.2754% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,067 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 46.1304% | 4,308 |
| Net loans and leases to deposits | 54.8009% | 4,303 |
| Net loans and leases to core deposits | 63.9817% | 4,010 |
| Total domestic deposits to total assets | 84.1782% | 2,758 |
| Equity capital to assets | 14.8161% | 679 |
| Core capital (leverage) ratio | 13.6737% | 788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3986% | 353 |
| Memoranda: | ||
| Average total assets | $112,041,250 | 3,851 |
| Average earning assets | $108,093,750 | 3,792 |
| Average equity | $15,687,500 | 3,587 |
| Average total loans | $50,831,000 | 4,119 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,430 |
| Cost of funding earning assets | 0.8725% | 1,487 |
| Net interest margin | 2.6120% | 4,645 |
| Noninterest income to average assets | 0.1951% | 4,301 |
| Noninterest expense to average assets | 2.2983% | 3,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3214% | 4,381 |
| Return on assets (ROA) | 0.5674% | 3,916 |
| Pretax return on assets | 0.7267% | 3,809 |
| Return on Equity (ROE) | 4.1335% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.1335% | 2,847 |
| Net charge-offs to loans | -0.0439% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6966% | 602 |
| Assets per employee ($millions) | 6.2768% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 2,163 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.9585% | 4,407 |
| Net loans and leases to deposits | 52.6389% | 4,422 |
| Net loans and leases to core deposits | 54.3628% | 4,486 |
| Total domestic deposits to total assets | 85.4092% | 2,237 |
| Equity capital to assets | 14.3607% | 763 |
| Core capital (leverage) ratio | 13.5635% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9334% | 335 |
| Memoranda: | ||
| Average total assets | $111,735,667 | 3,838 |
| Average earning assets | $107,732,333 | 3,776 |
| Average equity | $15,338,000 | 3,621 |
| Average total loans | $50,130,000 | 4,141 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 4,601 |
| Cost of funding earning assets | 1.0437% | 1,244 |
| Net interest margin | 2.4914% | 4,833 |
| Noninterest income to average assets | 0.2160% | 4,258 |
| Noninterest expense to average assets | 2.3220% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2115% | 4,509 |
| Return on assets (ROA) | 0.7092% | 3,324 |
| Pretax return on assets | 0.9216% | 3,075 |
| Return on Equity (ROE) | 5.2905% | 3,541 |
| Retained earnings to average equity (ytd only) | 5.2905% | 2,157 |
| Net charge-offs to loans | -0.0567% | 4,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8430% | 545 |
| Assets per employee ($millions) | 6.1073% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 945 |
| Loan loss allowance to noncurrent loans | 82,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,303 |
| Noncurrent loans to loans | 0.0020% | 4,578 |
| Net loans and leases to total assets | 44.4970% | 4,488 |
| Net loans and leases to deposits | 51.5084% | 4,537 |
| Net loans and leases to core deposits | 53.2222% | 4,594 |
| Total domestic deposits to total assets | 86.3878% | 1,833 |
| Equity capital to assets | 13.4357% | 1,247 |
| Core capital (leverage) ratio | 13.4717% | 1,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5623% | 347 |
| Memoranda: | ||
| Average total assets | $111,112,500 | 3,829 |
| Average earning assets | $106,928,500 | 3,772 |
| Average equity | $14,894,500 | 3,671 |
| Average total loans | $49,384,000 | 4,165 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 4,273 |
| Cost of funding earning assets | 1.0596% | 1,479 |
| Net interest margin | 2.9337% | 4,615 |
| Noninterest income to average assets | 0.2323% | 4,283 |
| Noninterest expense to average assets | 2.4662% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4661% | 4,476 |
| Return on assets (ROA) | 0.4163% | 4,601 |
| Pretax return on assets | 0.5098% | 4,559 |
| Return on Equity (ROE) | 2.9871% | 4,666 |
| Retained earnings to average equity (ytd only) | 2.9871% | 3,536 |
| Net charge-offs to loans | 0.0353% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 34.8235% | 1,432 |
| Efficiency ratio | 81.2123% | 854 |
| Assets per employee ($millions) | 6.2386% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 863 |
| Loan loss allowance to noncurrent loans | 42.2798% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.2708% | 310 |
| Noncurrent loans to loans | 3.9364% | 180 |
| Net loans and leases to total assets | 42.9346% | 4,643 |
| Net loans and leases to deposits | 49.6029% | 4,697 |
| Net loans and leases to core deposits | 51.3571% | 4,725 |
| Total domestic deposits to total assets | 86.5567% | 1,824 |
| Equity capital to assets | 13.3747% | 1,335 |
| Core capital (leverage) ratio | 14.6975% | 743 |
| Tier 1 risk-based capital ratio | 26.3760% | 652 |
| Total risk-based capital ratio | 27.6277% | 641 |
| Memoranda: | ||
| Average total assets | $103,764,600 | 3,940 |
| Average earning assets | $99,191,800 | 3,884 |
| Average equity | $14,462,400 | 3,691 |
| Average total loans | $48,188,800 | 4,220 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 3,924 |
| Cost of funding earning assets | 1.0974% | 1,368 |
| Net interest margin | 3.0997% | 4,474 |
| Noninterest income to average assets | 0.2427% | 4,286 |
| Noninterest expense to average assets | 2.4178% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6167% | 4,255 |
| Return on assets (ROA) | 0.5877% | 4,375 |
| Pretax return on assets | 0.7452% | 4,250 |
| Return on Equity (ROE) | 4.1703% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.1703% | 3,321 |
| Net charge-offs to loans | 0.0056% | 3,193 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 297.6217% | 314 |
| Efficiency ratio | 75.5638% | 1,379 |
| Assets per employee ($millions) | 5.2933% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 757 |
| Loan loss allowance to noncurrent loans | 43.0570% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 2.6764% | 229 |
| Noncurrent loans to loans | 4.0392% | 168 |
| Net loans and leases to total assets | 49.2774% | 4,465 |
| Net loans and leases to deposits | 58.6777% | 4,446 |
| Net loans and leases to core deposits | 65.5127% | 4,304 |
| Total domestic deposits to total assets | 83.9797% | 2,835 |
| Equity capital to assets | 15.7317% | 691 |
| Core capital (leverage) ratio | 15.7856% | 586 |
| Tier 1 risk-based capital ratio | 27.6779% | 594 |
| Total risk-based capital ratio | 28.9303% | 583 |
| Memoranda: | ||
| Average total assets | $101,632,250 | 4,017 |
| Average earning assets | $96,953,250 | 3,963 |
| Average equity | $14,323,250 | 3,739 |
| Average total loans | $47,978,750 | 4,276 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3505% | 3,489 |
| Cost of funding earning assets | 1.1355% | 1,179 |
| Net interest margin | 3.2150% | 4,334 |
| Noninterest income to average assets | 0.2333% | 4,354 |
| Noninterest expense to average assets | 2.3036% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7790% | 3,722 |
| Return on assets (ROA) | 0.7364% | 3,935 |
| Pretax return on assets | 0.9484% | 3,714 |
| Return on Equity (ROE) | 5.4179% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.4179% | 2,562 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6793% | 2,276 |
| Assets per employee ($millions) | 5.6718% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 2,113 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 49.9113% | 4,473 |
| Net loans and leases to deposits | 59.1849% | 4,467 |
| Net loans and leases to core deposits | 60.5361% | 4,555 |
| Total domestic deposits to total assets | 84.3312% | 2,748 |
| Equity capital to assets | 15.4199% | 724 |
| Core capital (leverage) ratio | 14.6438% | 787 |
| Tier 1 risk-based capital ratio | 26.6668% | 643 |
| Total risk-based capital ratio | 27.9186% | 636 |
| Memoranda: | ||
| Average total assets | $103,750,000 | 4,004 |
| Average earning assets | $99,160,670 | 3,940 |
| Average equity | $14,101,330 | 3,773 |
| Average total loans | $48,044,330 | 4,301 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 2,624 |
| Cost of funding earning assets | 1.1408% | 1,067 |
| Net interest margin | 3.4342% | 3,798 |
| Noninterest income to average assets | 0.2532% | 4,200 |
| Noninterest expense to average assets | 2.0854% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0985% | 2,477 |
| Return on assets (ROA) | 1.0985% | 2,523 |
| Pretax return on assets | 1.4523% | 1,912 |
| Return on Equity (ROE) | 8.6018% | 2,987 |
| Retained earnings to average equity (ytd only) | 8.6018% | 1,449 |
| Net charge-offs to loans | 0.0084% | 2,390 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 199 |
| Efficiency ratio | 58.9474% | 3,963 |
| Assets per employee ($millions) | 6.1095% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6162% | 1,031 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5970% | 2,285 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.7064% | 4,544 |
| Net loans and leases to deposits | 56.5010% | 4,572 |
| Net loans and leases to core deposits | 57.3952% | 4,659 |
| Total domestic deposits to total assets | 86.2046% | 2,184 |
| Equity capital to assets | 13.5951% | 1,179 |
| Core capital (leverage) ratio | 13.7534% | 1,011 |
| Tier 1 risk-based capital ratio | 24.2510% | 823 |
| Total risk-based capital ratio | 25.5019% | 802 |
| Memoranda: | ||
| Average total assets | $107,414,500 | 3,975 |
| Average earning assets | $102,731,500 | 3,927 |
| Average equity | $13,718,000 | 3,841 |
| Average total loans | $47,587,500 | 4,356 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6886% | 4,686 |
| Cost of funding earning assets | 0.8027% | 1,512 |
| Net interest margin | 2.8860% | 4,937 |
| Noninterest income to average assets | 0.2894% | 4,168 |
| Noninterest expense to average assets | 2.7582% | 2,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2394% | 5,071 |
| Return on assets (ROA) | 0.2394% | 5,069 |
| Pretax return on assets | 0.2751% | 5,065 |
| Return on Equity (ROE) | 1.7629% | 5,078 |
| Retained earnings to average equity (ytd only) | 1.7629% | 4,443 |
| Net charge-offs to loans | -0.0119% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9305% | 314 |
| Assets per employee ($millions) | 6.5275% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 570 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,374 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 38.6814% | 4,992 |
| Net loans and leases to deposits | 43.9822% | 5,030 |
| Net loans and leases to core deposits | 48.5165% | 4,979 |
| Total domestic deposits to total assets | 87.9479% | 1,317 |
| Equity capital to assets | 11.9999% | 1,894 |
| Core capital (leverage) ratio | 14.3734% | 826 |
| Tier 1 risk-based capital ratio | 26.5651% | 637 |
| Total risk-based capital ratio | 27.8175% | 627 |
| Memoranda: | ||
| Average total assets | $98,144,800 | 4,123 |
| Average earning assets | $93,313,400 | 4,076 |
| Average equity | $13,330,200 | 3,839 |
| Average total loans | $42,129,600 | 4,495 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 4,584 |
| Cost of funding earning assets | 0.7374% | 1,635 |
| Net interest margin | 2.9970% | 4,851 |
| Noninterest income to average assets | 0.2472% | 4,500 |
| Noninterest expense to average assets | 2.7090% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3230% | 5,069 |
| Return on assets (ROA) | 0.3230% | 5,062 |
| Pretax return on assets | 0.3806% | 5,054 |
| Return on Equity (ROE) | 2.2999% | 5,097 |
| Retained earnings to average equity (ytd only) | 2.2999% | 4,470 |
| Net charge-offs to loans | -0.0192% | 4,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6818% | 421 |
| Assets per employee ($millions) | 5.3763% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 533 |
| Loan loss allowance to noncurrent loans | 11,914.2857% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.6860% | 2,145 |
| Noncurrent loans to loans | 0.0164% | 4,842 |
| Net loans and leases to total assets | 45.8615% | 4,810 |
| Net loans and leases to deposits | 58.1617% | 4,637 |
| Net loans and leases to core deposits | 63.4850% | 4,550 |
| Total domestic deposits to total assets | 78.8516% | 4,347 |
| Equity capital to assets | 14.3298% | 873 |
| Core capital (leverage) ratio | 15.6626% | 570 |
| Tier 1 risk-based capital ratio | 25.7783% | 693 |
| Total risk-based capital ratio | 27.0300% | 678 |
| Memoranda: | ||
| Average total assets | $94,939,000 | 4,226 |
| Average earning assets | $90,043,000 | 4,188 |
| Average equity | $13,333,750 | 3,871 |
| Average total loans | $41,722,750 | 4,548 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 4,678 |
| Cost of funding earning assets | 0.7570% | 1,339 |
| Net interest margin | 2.8984% | 5,015 |
| Noninterest income to average assets | 0.2330% | 4,621 |
| Noninterest expense to average assets | 2.7216% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2143% | 5,218 |
| Return on assets (ROA) | 0.2143% | 5,212 |
| Pretax return on assets | 0.2601% | 5,198 |
| Return on Equity (ROE) | 1.5359% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.5359% | 4,628 |
| Net charge-offs to loans | -0.0290% | 4,728 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2770% | 326 |
| Assets per employee ($millions) | 5.3917% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9595% | 557 |
| Loan loss allowance to noncurrent loans | 414.9254% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8957% | 1,681 |
| Noncurrent loans to loans | 0.4723% | 3,017 |
| Net loans and leases to total assets | 45.5242% | 4,852 |
| Net loans and leases to deposits | 55.0510% | 4,799 |
| Net loans and leases to core deposits | 55.7036% | 4,878 |
| Total domestic deposits to total assets | 82.6946% | 3,495 |
| Equity capital to assets | 14.3248% | 854 |
| Core capital (leverage) ratio | 14.9264% | 687 |
| Tier 1 risk-based capital ratio | 26.4695% | 639 |
| Total risk-based capital ratio | 27.7235% | 631 |
| Memoranda: | ||
| Average total assets | $96,119,670 | 4,242 |
| Average earning assets | $91,154,000 | 4,205 |
| Average equity | $13,412,670 | 3,881 |
| Average total loans | $41,380,330 | 4,601 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6244% | 4,652 |
| Cost of funding earning assets | 0.7831% | 1,028 |
| Net interest margin | 2.8413% | 5,111 |
| Noninterest income to average assets | 0.2359% | 4,595 |
| Noninterest expense to average assets | 2.3996% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4433% | 4,831 |
| Return on assets (ROA) | 0.4433% | 4,832 |
| Pretax return on assets | 0.5369% | 4,815 |
| Return on Equity (ROE) | 3.2168% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.2168% | 3,920 |
| Net charge-offs to loans | -0.0098% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7175% | 978 |
| Assets per employee ($millions) | 6.8777% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0115% | 533 |
| Loan loss allowance to noncurrent loans | 394.2857% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.8620% | 1,837 |
| Noncurrent loans to loans | 0.5102% | 2,989 |
| Net loans and leases to total assets | 41.8900% | 4,982 |
| Net loans and leases to deposits | 50.0354% | 4,956 |
| Net loans and leases to core deposits | 50.3891% | 5,031 |
| Total domestic deposits to total assets | 83.7207% | 3,427 |
| Equity capital to assets | 13.7733% | 953 |
| Core capital (leverage) ratio | 14.3959% | 790 |
| Tier 1 risk-based capital ratio | 26.5723% | 636 |
| Total risk-based capital ratio | 27.8269% | 630 |
| Memoranda: | ||
| Average total assets | $98,350,000 | 4,244 |
| Average earning assets | $93,478,500 | 4,196 |
| Average equity | $13,554,000 | 3,897 |
| Average total loans | $40,790,000 | 4,669 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 4,818 |
| Cost of funding earning assets | 0.6641% | 1,223 |
| Net interest margin | 2.8122% | 5,153 |
| Noninterest income to average assets | 0.2226% | 4,814 |
| Noninterest expense to average assets | 2.5916% | 3,469 |
| Loan and lease loss provision to assets | -0.1282% | 5,513 |
| Net operating income to assets | 0.0394% | 5,319 |
| Return on assets (ROA) | -0.0421% | 5,394 |
| Pretax return on assets | 0.2821% | 5,224 |
| Return on Equity (ROE) | -0.2944% | 5,388 |
| Retained earnings to average equity (ytd only) | -0.2944% | 5,082 |
| Net charge-offs to loans | 0.0148% | 3,591 |
| Credit loss provision to net charge-offs | -2,083.3333% | 5,165 |
| Earnings coverage of net charge-offs (x) | 45.6667% | 1,165 |
| Efficiency ratio | 90.2143% | 425 |
| Assets per employee ($millions) | 7.1723% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0486% | 488 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 2,476 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 39.4266% | 5,154 |
| Net loans and leases to deposits | 49.7881% | 5,065 |
| Net loans and leases to core deposits | 50.1450% | 5,131 |
| Total domestic deposits to total assets | 79.1887% | 4,501 |
| Equity capital to assets | 13.7892% | 964 |
| Core capital (leverage) ratio | 15.0585% | 607 |
| Tier 1 risk-based capital ratio | 26.3348% | 640 |
| Total risk-based capital ratio | 27.5877% | 631 |
| Memoranda: | ||
| Average total assets | $97,467,400 | 4,278 |
| Average earning assets | $91,848,400 | 4,246 |
| Average equity | $13,928,200 | 3,851 |
| Average total loans | $40,641,600 | 4,713 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 4,766 |
| Cost of funding earning assets | 0.6448% | 1,275 |
| Net interest margin | 2.8769% | 5,119 |
| Noninterest income to average assets | 0.2371% | 4,789 |
| Noninterest expense to average assets | 2.3087% | 4,282 |
| Loan and lease loss provision to assets | -0.1723% | 5,642 |
| Net operating income to assets | 0.5232% | 4,671 |
| Return on assets (ROA) | 0.4121% | 5,003 |
| Pretax return on assets | 0.6354% | 4,767 |
| Return on Equity (ROE) | 2.8580% | 5,143 |
| Retained earnings to average equity (ytd only) | 2.8580% | 4,202 |
| Net charge-offs to loans | -0.0098% | 4,634 |
| Credit loss provision to net charge-offs | 4,166.6667% | 109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4543% | 1,270 |
| Assets per employee ($millions) | 6.7967% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 2,404 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 44.7107% | 4,997 |
| Net loans and leases to deposits | 61.8386% | 4,518 |
| Net loans and leases to core deposits | 62.3904% | 4,691 |
| Total domestic deposits to total assets | 72.3021% | 5,356 |
| Equity capital to assets | 16.2749% | 502 |
| Core capital (leverage) ratio | 16.0609% | 487 |
| Tier 1 risk-based capital ratio | 29.1303% | 512 |
| Total risk-based capital ratio | 30.3840% | 504 |
| Memoranda: | ||
| Average total assets | $96,731,250 | 4,335 |
| Average earning assets | $90,975,750 | 4,308 |
| Average equity | $13,948,750 | 3,888 |
| Average total loans | $40,697,750 | 4,755 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 4,832 |
| Cost of funding earning assets | 0.6153% | 1,356 |
| Net interest margin | 2.8564% | 5,157 |
| Noninterest income to average assets | 0.2311% | 4,852 |
| Noninterest expense to average assets | 2.3934% | 4,066 |
| Loan and lease loss provision to assets | -0.2512% | 5,721 |
| Net operating income to assets | 0.6665% | 3,996 |
| Return on assets (ROA) | 0.4522% | 4,873 |
| Pretax return on assets | 0.5265% | 4,959 |
| Return on Equity (ROE) | 3.2597% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.2597% | 3,777 |
| Net charge-offs to loans | -0.0098% | 4,526 |
| Credit loss provision to net charge-offs | 6,250.0000% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0248% | 1,004 |
| Assets per employee ($millions) | 6.5011% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 2,509 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 46.0260% | 4,951 |
| Net loans and leases to deposits | 60.2670% | 4,604 |
| Net loans and leases to core deposits | 60.7609% | 4,783 |
| Total domestic deposits to total assets | 76.3701% | 5,046 |
| Equity capital to assets | 15.7533% | 563 |
| Core capital (leverage) ratio | 14.7972% | 680 |
| Tier 1 risk-based capital ratio | 26.3154% | 654 |
| Total risk-based capital ratio | 27.5690% | 634 |
| Memoranda: | ||
| Average total assets | $99,522,670 | 4,317 |
| Average earning assets | $93,613,670 | 4,275 |
| Average equity | $13,805,000 | 3,917 |
| Average total loans | $40,816,330 | 4,779 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3008% | 5,098 |
| Cost of funding earning assets | 0.5986% | 1,383 |
| Net interest margin | 2.7021% | 5,392 |
| Noninterest income to average assets | 0.2274% | 4,911 |
| Noninterest expense to average assets | 2.3397% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3238% | 5,137 |
| Return on assets (ROA) | 0.3238% | 5,164 |
| Pretax return on assets | 0.4278% | 5,105 |
| Return on Equity (ROE) | 2.4818% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.4818% | 4,148 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5404% | 925 |
| Assets per employee ($millions) | 6.7633% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 2,805 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.4051% | 5,235 |
| Net loans and leases to deposits | 50.8113% | 5,078 |
| Net loans and leases to core deposits | 51.1697% | 5,178 |
| Total domestic deposits to total assets | 79.5200% | 4,707 |
| Equity capital to assets | 13.4342% | 1,093 |
| Core capital (leverage) ratio | 12.8962% | 1,185 |
| Tier 1 risk-based capital ratio | 23.2350% | 945 |
| Total risk-based capital ratio | 24.4932% | 933 |
| Memoranda: | ||
| Average total assets | $103,776,000 | 4,289 |
| Average earning assets | $97,553,000 | 4,242 |
| Average equity | $13,538,500 | 3,982 |
| Average total loans | $39,861,000 | 4,856 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3127% | 5,138 |
| Cost of funding earning assets | 0.5525% | 1,666 |
| Net interest margin | 2.7603% | 5,340 |
| Noninterest income to average assets | 0.2214% | 5,086 |
| Noninterest expense to average assets | 2.2566% | 4,640 |
| Loan and lease loss provision to assets | -0.7835% | 5,896 |
| Net operating income to assets | 0.8845% | 2,909 |
| Return on assets (ROA) | 1.0519% | 2,232 |
| Pretax return on assets | 1.6288% | 1,192 |
| Return on Equity (ROE) | 7.7790% | 3,066 |
| Retained earnings to average equity (ytd only) | 6.6925% | 1,361 |
| Net charge-offs to loans | -3.1272% | 5,872 |
| Credit loss provision to net charge-offs | 60.3318% | 3,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3388% | 1,507 |
| Assets per employee ($millions) | 7.0735% | 892 |
| Cash dividends to net income (ytd only)* | 13.9665% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5389% | 294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 2,982 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 34.6959% | 5,533 |
| Net loans and leases to deposits | 43.0033% | 5,462 |
| Net loans and leases to core deposits | 43.5096% | 5,504 |
| Total domestic deposits to total assets | 80.6818% | 4,417 |
| Equity capital to assets | 12.6746% | 1,411 |
| Core capital (leverage) ratio | 13.8103% | 867 |
| Tier 1 risk-based capital ratio | 24.4655% | 821 |
| Total risk-based capital ratio | 25.7297% | 799 |
| Memoranda: | ||
| Average total assets | $102,100,200 | 4,319 |
| Average earning assets | $97,019,800 | 4,255 |
| Average equity | $13,806,400 | 3,966 |
| Average total loans | $42,401,600 | 4,802 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 4,820 |
| Cost of funding earning assets | 0.5576% | 1,627 |
| Net interest margin | 2.9363% | 5,118 |
| Noninterest income to average assets | 0.2189% | 5,157 |
| Noninterest expense to average assets | 2.1760% | 4,827 |
| Loan and lease loss provision to assets | -1.0550% | 5,970 |
| Net operating income to assets | 1.2816% | 1,346 |
| Return on assets (ROA) | 1.5140% | 907 |
| Pretax return on assets | 2.2433% | 349 |
| Return on Equity (ROE) | 11.0149% | 1,663 |
| Retained earnings to average equity (ytd only) | 9.5756% | 665 |
| Net charge-offs to loans | -3.9822% | 5,938 |
| Credit loss provision to net charge-offs | 61.4912% | 2,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1154% | 2,565 |
| Assets per employee ($millions) | 5.9289% | 1,486 |
| Cash dividends to net income (ytd only)* | 13.0665% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,821 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 45.6496% | 5,112 |
| Net loans and leases to deposits | 60.4506% | 4,723 |
| Net loans and leases to core deposits | 61.3597% | 4,868 |
| Total domestic deposits to total assets | 75.5156% | 5,286 |
| Equity capital to assets | 16.1119% | 539 |
| Core capital (leverage) ratio | 14.3009% | 774 |
| Tier 1 risk-based capital ratio | 25.5226% | 760 |
| Total risk-based capital ratio | 26.7839% | 740 |
| Memoranda: | ||
| Average total assets | $101,099,750 | 4,372 |
| Average earning assets | $96,354,750 | 4,299 |
| Average equity | $13,896,000 | 3,987 |
| Average total loans | $43,559,000 | 4,799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 4,757 |
| Cost of funding earning assets | 0.5379% | 1,793 |
| Net interest margin | 3.0085% | 5,064 |
| Noninterest income to average assets | 0.1959% | 5,326 |
| Noninterest expense to average assets | 2.1397% | 4,975 |
| Loan and lease loss provision to assets | -1.5216% | 6,050 |
| Net operating income to assets | 1.7702% | 501 |
| Return on assets (ROA) | 2.1112% | 288 |
| Pretax return on assets | 2.9233% | 128 |
| Return on Equity (ROE) | 16.1435% | 519 |
| Retained earnings to average equity (ytd only) | 13.9619% | 191 |
| Net charge-offs to loans | -5.8868% | 6,016 |
| Credit loss provision to net charge-offs | 61.4439% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7458% | 3,021 |
| Assets per employee ($millions) | 5.8559% | 1,506 |
| Cash dividends to net income (ytd only)* | 13.5135% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 3,139 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 43.3155% | 5,269 |
| Net loans and leases to deposits | 55.4682% | 5,049 |
| Net loans and leases to core deposits | 56.1523% | 5,160 |
| Total domestic deposits to total assets | 78.0906% | 4,982 |
| Equity capital to assets | 14.3655% | 912 |
| Core capital (leverage) ratio | 13.2953% | 1,059 |
| Tier 1 risk-based capital ratio | 24.4785% | 856 |
| Total risk-based capital ratio | 25.7380% | 841 |
| Memoranda: | ||
| Average total assets | $105,155,000 | 4,332 |
| Average earning assets | $100,381,670 | 4,260 |
| Average equity | $13,751,670 | 4,023 |
| Average total loans | $44,234,670 | 4,822 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6917% | 4,352 |
| Cost of funding earning assets | 0.5235% | 1,918 |
| Net interest margin | 3.1682% | 4,681 |
| Noninterest income to average assets | 0.1890% | 5,375 |
| Noninterest expense to average assets | 2.1120% | 5,095 |
| Loan and lease loss provision to assets | -2.9641% | 6,118 |
| Net operating income to assets | 2.4973% | 156 |
| Return on assets (ROA) | 2.4973% | 161 |
| Pretax return on assets | 4.0683% | 75 |
| Return on Equity (ROE) | 20.0045% | 247 |
| Retained earnings to average equity (ytd only) | 15.5524% | 216 |
| Net charge-offs to loans | -11.7589% | 6,078 |
| Credit loss provision to net charge-offs | 61.3968% | 1,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6682% | 3,854 |
| Assets per employee ($millions) | 6.1819% | 1,283 |
| Cash dividends to net income (ytd only)* | 22.2552% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 650 |
| Loan loss allowance to noncurrent loans | 93,500.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 3,177 |
| Noncurrent loans to loans | 0.0023% | 5,526 |
| Net loans and leases to total assets | 40.8467% | 5,409 |
| Net loans and leases to deposits | 51.3831% | 5,254 |
| Net loans and leases to core deposits | 51.9716% | 5,356 |
| Total domestic deposits to total assets | 79.4944% | 4,855 |
| Equity capital to assets | 13.2216% | 1,308 |
| Core capital (leverage) ratio | 12.0628% | 1,570 |
| Tier 1 risk-based capital ratio | 24.1586% | 898 |
| Total risk-based capital ratio | 25.4228% | 882 |
| Memoranda: | ||
| Average total assets | $107,957,000 | 4,305 |
| Average earning assets | $103,151,000 | 4,232 |
| Average equity | $13,477,000 | 4,085 |
| Average total loans | $44,324,000 | 4,859 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 5,154 |
| Cost of funding earning assets | 0.5473% | 1,789 |
| Net interest margin | 2.8547% | 5,413 |
| Noninterest income to average assets | 0.1911% | 5,446 |
| Noninterest expense to average assets | 2.3161% | 4,736 |
| Loan and lease loss provision to assets | -0.0731% | 5,796 |
| Net operating income to assets | 0.4570% | 4,860 |
| Return on assets (ROA) | 0.3150% | 5,402 |
| Pretax return on assets | 0.4515% | 5,222 |
| Return on Equity (ROE) | 2.5132% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.5406% | 4,843 |
| Net charge-offs to loans | 0.0469% | 3,282 |
| Credit loss provision to net charge-offs | -394.7368% | 5,401 |
| Earnings coverage of net charge-offs (x) | 31.3684% | 1,407 |
| Efficiency ratio | 79.9394% | 1,687 |
| Assets per employee ($millions) | 6.5189% | 1,091 |
| Cash dividends to net income (ytd only)* | 38.6997% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 4,788 |
| Loan loss allowance to noncurrent loans | 180.4167% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.8257% | 2,608 |
| Noncurrent loans to loans | 0.5359% | 3,557 |
| Net loans and leases to total assets | 40.0222% | 5,511 |
| Net loans and leases to deposits | 48.9040% | 5,447 |
| Net loans and leases to core deposits | 49.4195% | 5,522 |
| Total domestic deposits to total assets | 81.8383% | 4,208 |
| Equity capital to assets | 11.7839% | 2,125 |
| Core capital (leverage) ratio | 12.3970% | 1,402 |
| Tier 1 risk-based capital ratio | 22.6370% | 1,061 |
| Total risk-based capital ratio | 23.4277% | 1,096 |
| Memoranda: | ||
| Average total assets | $102,544,200 | 4,414 |
| Average earning assets | $97,209,200 | 4,361 |
| Average equity | $12,852,200 | 4,164 |
| Average total loans | $40,518,800 | 4,987 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 5,165 |
| Cost of funding earning assets | 0.5598% | 1,716 |
| Net interest margin | 2.8594% | 5,477 |
| Noninterest income to average assets | 0.1937% | 5,496 |
| Noninterest expense to average assets | 2.3660% | 4,604 |
| Loan and lease loss provision to assets | -0.0995% | 5,999 |
| Net operating income to assets | 0.4657% | 4,913 |
| Return on assets (ROA) | 0.2614% | 5,631 |
| Pretax return on assets | 0.3556% | 5,547 |
| Return on Equity (ROE) | 2.0520% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.7500% | 5,389 |
| Net charge-offs to loans | 0.1183% | 1,936 |
| Credit loss provision to net charge-offs | -214.2857% | 5,187 |
| Earnings coverage of net charge-offs (x) | 11.4560% | 2,485 |
| Efficiency ratio | 81.6392% | 1,444 |
| Assets per employee ($millions) | 5.7545% | 1,544 |
| Cash dividends to net income (ytd only)* | 63.4508% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 5,279 |
| Loan loss allowance to noncurrent loans | 98.3491% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 2,095 |
| Noncurrent loans to loans | 0.8926% | 2,744 |
| Net loans and leases to total assets | 48.1329% | 5,068 |
| Net loans and leases to deposits | 67.8028% | 4,209 |
| Net loans and leases to core deposits | 68.7381% | 4,476 |
| Total domestic deposits to total assets | 70.9896% | 5,925 |
| Equity capital to assets | 13.4370% | 1,260 |
| Core capital (leverage) ratio | 12.7087% | 1,314 |
| Tier 1 risk-based capital ratio | 21.2985% | 1,296 |
| Total risk-based capital ratio | 22.0260% | 1,360 |
| Memoranda: | ||
| Average total assets | $100,475,000 | 4,503 |
| Average earning assets | $95,028,750 | 4,457 |
| Average equity | $12,800,500 | 4,219 |
| Average total loans | $39,452,000 | 5,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 5,341 |
| Cost of funding earning assets | 0.5634% | 1,698 |
| Net interest margin | 2.7859% | 5,642 |
| Noninterest income to average assets | 0.2447% | 5,210 |
| Noninterest expense to average assets | 2.3442% | 4,732 |
| Loan and lease loss provision to assets | -0.1480% | 6,129 |
| Net operating income to assets | 0.5337% | 4,640 |
| Return on assets (ROA) | 0.2013% | 5,752 |
| Pretax return on assets | 0.2565% | 5,730 |
| Return on Equity (ROE) | 1.6081% | 5,776 |
| Retained earnings to average equity (ytd only) | -0.3626% | 5,579 |
| Net charge-offs to loans | -0.1795% | 5,994 |
| Credit loss provision to net charge-offs | 227.2727% | 1,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4256% | 1,568 |
| Assets per employee ($millions) | 5.5943% | 1,663 |
| Cash dividends to net income (ytd only)* | 122.5490% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 4,079 |
| Loan loss allowance to noncurrent loans | 79.2484% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.6687% | 1,430 |
| Noncurrent loans to loans | 1.4514% | 1,833 |
| Net loans and leases to total assets | 43.8262% | 5,390 |
| Net loans and leases to deposits | 55.3152% | 5,170 |
| Net loans and leases to core deposits | 56.0177% | 5,308 |
| Total domestic deposits to total assets | 79.2299% | 5,042 |
| Equity capital to assets | 13.2541% | 1,276 |
| Core capital (leverage) ratio | 12.2551% | 1,509 |
| Tier 1 risk-based capital ratio | 22.4892% | 1,138 |
| Total risk-based capital ratio | 23.4039% | 1,165 |
| Memoranda: | ||
| Average total assets | $101,357,670 | 4,526 |
| Average earning assets | $95,838,330 | 4,475 |
| Average equity | $12,685,670 | 4,263 |
| Average total loans | $36,768,000 | 5,231 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1347% | 5,746 |
| Cost of funding earning assets | 0.5655% | 1,701 |
| Net interest margin | 2.5692% | 5,950 |
| Noninterest income to average assets | 0.2603% | 5,096 |
| Noninterest expense to average assets | 2.2817% | 4,928 |
| Loan and lease loss provision to assets | -0.2871% | 6,305 |
| Net operating income to assets | 0.4986% | 4,691 |
| Return on assets (ROA) | -0.0306% | 6,078 |
| Pretax return on assets | -0.1263% | 6,129 |
| Return on Equity (ROE) | -0.2515% | 6,077 |
| Retained earnings to average equity (ytd only) | -4.1804% | 5,873 |
| Net charge-offs to loans | -0.1057% | 5,876 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6591% | 1,303 |
| Assets per employee ($millions) | 5.6413% | 1,675 |
| Cash dividends to net income (ytd only)* | -1,562.5000% | 6,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 3,137 |
| Loan loss allowance to noncurrent loans | 72.9430% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 1.5826% | 1,628 |
| Noncurrent loans to loans | 1.8541% | 1,450 |
| Net loans and leases to total assets | 33.1150% | 5,961 |
| Net loans and leases to deposits | 41.2883% | 5,871 |
| Net loans and leases to core deposits | 41.9110% | 5,914 |
| Total domestic deposits to total assets | 80.2044% | 5,009 |
| Equity capital to assets | 12.7769% | 1,523 |
| Core capital (leverage) ratio | 11.7163% | 1,843 |
| Tier 1 risk-based capital ratio | 26.5756% | 751 |
| Total risk-based capital ratio | 27.5865% | 744 |
| Memoranda: | ||
| Average total assets | $104,485,000 | 4,488 |
| Average earning assets | $99,020,500 | 4,429 |
| Average equity | $12,726,000 | 4,286 |
| Average total loans | $34,069,500 | 5,369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,920 |
| Cost of funding earning assets | 0.6191% | 1,613 |
| Net interest margin | 3.0348% | 5,364 |
| Noninterest income to average assets | -0.7539% | 6,501 |
| Noninterest expense to average assets | 2.1673% | 5,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0840% | 6,145 |
| Return on assets (ROA) | 0.2553% | 5,703 |
| Pretax return on assets | 0.2925% | 5,717 |
| Return on Equity (ROE) | 2.2228% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.2228% | 4,663 |
| Net charge-offs to loans | 1.9124% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.1588% | 4,729 |
| Efficiency ratio | 104.7110% | 282 |
| Assets per employee ($millions) | 5.9682% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5476% | 2,263 |
| Loan loss allowance to noncurrent loans | 46.3093% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.9669% | 1,308 |
| Noncurrent loans to loans | 3.3419% | 636 |
| Net loans and leases to total assets | 31.2072% | 6,142 |
| Net loans and leases to deposits | 38.1404% | 6,096 |
| Net loans and leases to core deposits | 38.6723% | 6,132 |
| Total domestic deposits to total assets | 81.8221% | 4,483 |
| Equity capital to assets | 11.6153% | 2,329 |
| Core capital (leverage) ratio | 12.6490% | 1,280 |
| Tier 1 risk-based capital ratio | 26.0174% | 763 |
| Total risk-based capital ratio | 27.1817% | 751 |
| Memoranda: | ||
| Average total assets | $99,477,200 | 4,611 |
| Average earning assets | $92,561,000 | 4,593 |
| Average equity | $11,427,200 | 4,471 |
| Average total loans | $31,948,800 | 5,488 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,564 |
| Cost of funding earning assets | 0.6429% | 1,505 |
| Net interest margin | 3.1507% | 5,118 |
| Noninterest income to average assets | -1.1269% | 6,583 |
| Noninterest expense to average assets | 2.2374% | 5,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4312% | 6,351 |
| Return on assets (ROA) | -0.0916% | 6,217 |
| Pretax return on assets | 0.0821% | 6,079 |
| Return on Equity (ROE) | -0.8001% | 6,213 |
| Retained earnings to average equity (ytd only) | -0.8001% | 5,933 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0765% | 108 |
| Assets per employee ($millions) | 4.7887% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5286% | 223 |
| Loan loss allowance to noncurrent loans | 64.2212% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 3.1927% | 707 |
| Noncurrent loans to loans | 5.4944% | 290 |
| Net loans and leases to total assets | 36.0956% | 6,025 |
| Net loans and leases to deposits | 46.2798% | 5,851 |
| Net loans and leases to core deposits | 47.1266% | 5,917 |
| Total domestic deposits to total assets | 77.9943% | 5,535 |
| Equity capital to assets | 13.4519% | 1,205 |
| Core capital (leverage) ratio | 12.1535% | 1,602 |
| Tier 1 risk-based capital ratio | 26.0876% | 779 |
| Total risk-based capital ratio | 27.3537% | 757 |
| Memoranda: | ||
| Average total assets | $97,489,750 | 4,709 |
| Average earning assets | $90,221,500 | 4,699 |
| Average equity | $11,164,500 | 4,559 |
| Average total loans | $31,423,000 | 5,565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7477% | 4,706 |
| Cost of funding earning assets | 0.6353% | 1,619 |
| Net interest margin | 3.1124% | 5,221 |
| Noninterest income to average assets | -0.0691% | 6,591 |
| Noninterest expense to average assets | 2.1016% | 5,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4689% | 4,933 |
| Return on assets (ROA) | 1.1160% | 1,949 |
| Pretax return on assets | 1.6691% | 1,089 |
| Return on Equity (ROE) | 10.2532% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.2532% | 665 |
| Net charge-offs to loans | -0.0064% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9296% | 2,818 |
| Assets per employee ($millions) | 5.6824% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5320% | 244 |
| Loan loss allowance to noncurrent loans | 64.0247% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 4.0621% | 520 |
| Noncurrent loans to loans | 5.5166% | 323 |
| Net loans and leases to total assets | 32.2036% | 6,234 |
| Net loans and leases to deposits | 40.8464% | 6,116 |
| Net loans and leases to core deposits | 41.5041% | 6,169 |
| Total domestic deposits to total assets | 78.8408% | 5,491 |
| Equity capital to assets | 12.2545% | 1,810 |
| Core capital (leverage) ratio | 11.7661% | 1,814 |
| Tier 1 risk-based capital ratio | 24.0253% | 982 |
| Total risk-based capital ratio | 25.2881% | 960 |
| Memoranda: | ||
| Average total assets | $101,254,330 | 4,652 |
| Average earning assets | $93,497,330 | 4,647 |
| Average equity | $11,021,000 | 4,603 |
| Average total loans | $31,147,000 | 5,623 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7573% | 4,645 |
| Cost of funding earning assets | 0.6451% | 1,618 |
| Net interest margin | 3.1123% | 5,208 |
| Noninterest income to average assets | -0.3437% | 6,703 |
| Noninterest expense to average assets | 2.0351% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3417% | 5,348 |
| Return on assets (ROA) | 1.6258% | 671 |
| Pretax return on assets | 2.3788% | 272 |
| Return on Equity (ROE) | 15.8681% | 654 |
| Retained earnings to average equity (ytd only) | 15.8681% | 275 |
| Net charge-offs to loans | -0.0261% | 5,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5810% | 2,121 |
| Assets per employee ($millions) | 6.6807% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7091% | 234 |
| Loan loss allowance to noncurrent loans | 63.5452% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 4.0205% | 581 |
| Noncurrent loans to loans | 5.8370% | 321 |
| Net loans and leases to total assets | 29.5327% | 6,369 |
| Net loans and leases to deposits | 36.1912% | 6,310 |
| Net loans and leases to core deposits | 36.7329% | 6,342 |
| Total domestic deposits to total assets | 81.6018% | 5,058 |
| Equity capital to assets | 10.9928% | 2,715 |
| Core capital (leverage) ratio | 10.6968% | 2,704 |
| Tier 1 risk-based capital ratio | 23.6385% | 1,052 |
| Total risk-based capital ratio | 24.9035% | 1,034 |
| Memoranda: | ||
| Average total assets | $103,581,000 | 4,640 |
| Average earning assets | $95,493,000 | 4,642 |
| Average equity | $10,612,500 | 4,702 |
| Average total loans | $30,596,500 | 5,693 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 5,140 |
| Cost of funding earning assets | 0.7191% | 1,681 |
| Net interest margin | 2.9794% | 5,626 |
| Noninterest income to average assets | 0.2128% | 5,810 |
| Noninterest expense to average assets | 2.0410% | 5,943 |
| Loan and lease loss provision to assets | -0.0976% | 6,477 |
| Net operating income to assets | 0.8668% | 2,939 |
| Return on assets (ROA) | 0.8716% | 3,006 |
| Pretax return on assets | 1.0454% | 3,170 |
| Return on Equity (ROE) | 7.8730% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.8730% | 1,101 |
| Net charge-offs to loans | 0.1274% | 3,542 |
| Credit loss provision to net charge-offs | -263.1579% | 6,031 |
| Earnings coverage of net charge-offs (x) | 25.3947% | 1,331 |
| Efficiency ratio | 68.4228% | 4,122 |
| Assets per employee ($millions) | 7.1301% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7363% | 237 |
| Loan loss allowance to noncurrent loans | 63.1521% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 3.9289% | 685 |
| Noncurrent loans to loans | 5.9163% | 353 |
| Net loans and leases to total assets | 27.4144% | 6,536 |
| Net loans and leases to deposits | 32.7525% | 6,516 |
| Net loans and leases to core deposits | 33.1997% | 6,526 |
| Total domestic deposits to total assets | 83.7019% | 4,281 |
| Equity capital to assets | 9.5455% | 4,355 |
| Core capital (leverage) ratio | 10.2367% | 3,240 |
| Tier 1 risk-based capital ratio | 20.5738% | 1,518 |
| Total risk-based capital ratio | 21.8363% | 1,493 |
| Memoranda: | ||
| Average total assets | $102,450,000 | 4,685 |
| Average earning assets | $95,254,800 | 4,646 |
| Average equity | $11,342,600 | 4,570 |
| Average total loans | $29,820,000 | 5,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6772% | 5,231 |
| Cost of funding earning assets | 0.7343% | 1,714 |
| Net interest margin | 2.9429% | 5,710 |
| Noninterest income to average assets | 0.2553% | 5,612 |
| Noninterest expense to average assets | 2.0383% | 5,949 |
| Loan and lease loss provision to assets | -0.1316% | 6,659 |
| Net operating income to assets | 0.8113% | 3,289 |
| Return on assets (ROA) | 0.8172% | 3,390 |
| Pretax return on assets | 1.0988% | 3,116 |
| Return on Equity (ROE) | 7.1218% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.1218% | 1,820 |
| Net charge-offs to loans | 0.0944% | 3,622 |
| Credit loss provision to net charge-offs | -476.1905% | 6,054 |
| Earnings coverage of net charge-offs (x) | 34.7136% | 1,104 |
| Efficiency ratio | 67.9982% | 4,104 |
| Assets per employee ($millions) | 6.2707% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7310% | 282 |
| Loan loss allowance to noncurrent loans | 60.0624% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 4.2489% | 724 |
| Noncurrent loans to loans | 6.2118% | 387 |
| Net loans and leases to total assets | 29.7037% | 6,544 |
| Net loans and leases to deposits | 40.8045% | 6,360 |
| Net loans and leases to core deposits | 41.6020% | 6,395 |
| Total domestic deposits to total assets | 72.7950% | 6,447 |
| Equity capital to assets | 10.6777% | 3,095 |
| Core capital (leverage) ratio | 10.2297% | 3,361 |
| Tier 1 risk-based capital ratio | 19.8962% | 1,757 |
| Total risk-based capital ratio | 21.1584% | 1,728 |
| Memoranda: | ||
| Average total assets | $101,324,750 | 4,754 |
| Average earning assets | $94,416,750 | 4,718 |
| Average equity | $11,626,000 | 4,570 |
| Average total loans | $29,660,500 | 5,836 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5496% | 5,588 |
| Cost of funding earning assets | 0.7368% | 1,793 |
| Net interest margin | 2.8129% | 5,981 |
| Noninterest income to average assets | 0.2617% | 5,588 |
| Noninterest expense to average assets | 2.0186% | 6,013 |
| Loan and lease loss provision to assets | -0.1967% | 6,780 |
| Net operating income to assets | 0.8076% | 3,248 |
| Return on assets (ROA) | 0.8165% | 3,368 |
| Pretax return on assets | 1.0880% | 3,141 |
| Return on Equity (ROE) | 6.9571% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.9571% | 1,907 |
| Net charge-offs to loans | -0.0068% | 5,696 |
| Credit loss provision to net charge-offs | 10,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6538% | 3,892 |
| Assets per employee ($millions) | 6.8940% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8609% | 287 |
| Loan loss allowance to noncurrent loans | 48.5761% | 5,262 |
| Noncurrent assets plus other real estate owned to assets | 4.6241% | 695 |
| Noncurrent loans to loans | 7.9482% | 259 |
| Net loans and leases to total assets | 30.3659% | 6,565 |
| Net loans and leases to deposits | 37.5037% | 6,505 |
| Net loans and leases to core deposits | 38.1873% | 6,534 |
| Total domestic deposits to total assets | 80.9679% | 5,347 |
| Equity capital to assets | 11.0831% | 2,673 |
| Core capital (leverage) ratio | 10.5759% | 2,798 |
| Tier 1 risk-based capital ratio | 20.9416% | 1,504 |
| Total risk-based capital ratio | 22.2052% | 1,477 |
| Memoranda: | ||
| Average total assets | $101,656,000 | 4,774 |
| Average earning assets | $95,277,000 | 4,713 |
| Average equity | $11,930,330 | 4,550 |
| Average total loans | $29,228,330 | 5,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 6,021 |
| Cost of funding earning assets | 0.7366% | 1,947 |
| Net interest margin | 2.6248% | 6,336 |
| Noninterest income to average assets | 0.2610% | 5,595 |
| Noninterest expense to average assets | 1.9458% | 6,203 |
| Loan and lease loss provision to assets | -0.3838% | 6,933 |
| Net operating income to assets | 0.8846% | 2,726 |
| Return on assets (ROA) | 0.9019% | 2,793 |
| Pretax return on assets | 1.1974% | 2,583 |
| Return on Equity (ROE) | 7.4918% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.4918% | 1,945 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1080% | 3,771 |
| Assets per employee ($millions) | 6.9272% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1583% | 247 |
| Loan loss allowance to noncurrent loans | 52.5704% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 4.1161% | 949 |
| Noncurrent loans to loans | 7.9099% | 335 |
| Net loans and leases to total assets | 26.0856% | 6,725 |
| Net loans and leases to deposits | 32.3549% | 6,680 |
| Net loans and leases to core deposits | 33.0062% | 6,696 |
| Total domestic deposits to total assets | 80.6232% | 5,592 |
| Equity capital to assets | 12.0607% | 2,001 |
| Core capital (leverage) ratio | 11.1638% | 2,122 |
| Tier 1 risk-based capital ratio | 22.9256% | 1,169 |
| Total risk-based capital ratio | 24.1888% | 1,145 |
| Memoranda: | ||
| Average total assets | $104,226,000 | 4,768 |
| Average earning assets | $98,292,500 | 4,677 |
| Average equity | $12,547,000 | 4,463 |
| Average total loans | $28,600,000 | 5,951 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 5,273 |
| Cost of funding earning assets | 0.9262% | 1,777 |
| Net interest margin | 3.0817% | 5,857 |
| Noninterest income to average assets | -0.1202% | 6,928 |
| Noninterest expense to average assets | 2.2536% | 5,805 |
| Loan and lease loss provision to assets | 0.3006% | 2,271 |
| Net operating income to assets | 0.1893% | 5,808 |
| Return on assets (ROA) | 0.7235% | 3,879 |
| Pretax return on assets | 0.7345% | 4,544 |
| Return on Equity (ROE) | 5.9452% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.9452% | 2,106 |
| Net charge-offs to loans | 0.3356% | 2,959 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 4.8900% | 3,215 |
| Efficiency ratio | 82.1402% | 1,847 |
| Assets per employee ($millions) | 6.9696% | 778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4123% | 206 |
| Loan loss allowance to noncurrent loans | 55.5507% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 4.3828% | 955 |
| Noncurrent loans to loans | 7.9429% | 368 |
| Net loans and leases to total assets | 26.4415% | 6,799 |
| Net loans and leases to deposits | 32.6962% | 6,771 |
| Net loans and leases to core deposits | 33.3478% | 6,783 |
| Total domestic deposits to total assets | 80.8703% | 5,438 |
| Equity capital to assets | 12.0160% | 2,037 |
| Core capital (leverage) ratio | 12.3786% | 1,369 |
| Tier 1 risk-based capital ratio | 24.5222% | 907 |
| Total risk-based capital ratio | 25.7905% | 887 |
| Memoranda: | ||
| Average total assets | $99,795,000 | 4,841 |
| Average earning assets | $92,739,600 | 4,783 |
| Average equity | $12,144,200 | 4,539 |
| Average total loans | $29,796,800 | 5,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1793% | 4,891 |
| Cost of funding earning assets | 0.9816% | 1,667 |
| Net interest margin | 3.1976% | 5,711 |
| Noninterest income to average assets | -0.1001% | 7,025 |
| Noninterest expense to average assets | 2.2864% | 5,723 |
| Loan and lease loss provision to assets | 0.3042% | 2,172 |
| Net operating income to assets | 0.2130% | 5,883 |
| Return on assets (ROA) | 0.8099% | 3,643 |
| Pretax return on assets | 1.0060% | 3,683 |
| Return on Equity (ROE) | 6.6334% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.6334% | 2,311 |
| Net charge-offs to loans | 0.4486% | 2,314 |
| Credit loss provision to net charge-offs | 222.7723% | 1,245 |
| Earnings coverage of net charge-offs (x) | 4.1981% | 3,371 |
| Efficiency ratio | 79.9527% | 2,097 |
| Assets per employee ($millions) | 5.6363% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9915% | 313 |
| Loan loss allowance to noncurrent loans | 51.4139% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.8206% | 711 |
| Noncurrent loans to loans | 7.7634% | 421 |
| Net loans and leases to total assets | 32.0071% | 6,742 |
| Net loans and leases to deposits | 43.1373% | 6,544 |
| Net loans and leases to core deposits | 44.2279% | 6,587 |
| Total domestic deposits to total assets | 74.1983% | 6,586 |
| Equity capital to assets | 13.8944% | 1,197 |
| Core capital (leverage) ratio | 12.2566% | 1,513 |
| Tier 1 risk-based capital ratio | 23.4228% | 1,108 |
| Total risk-based capital ratio | 24.6870% | 1,084 |
| Memoranda: | ||
| Average total assets | $98,607,750 | 4,915 |
| Average earning assets | $91,273,750 | 4,878 |
| Average equity | $12,039,750 | 4,609 |
| Average total loans | $30,016,250 | 6,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 5,225 |
| Cost of funding earning assets | 1.0029% | 1,745 |
| Net interest margin | 3.1217% | 5,941 |
| Noninterest income to average assets | 0.3688% | 4,882 |
| Noninterest expense to average assets | 2.3053% | 5,720 |
| Loan and lease loss provision to assets | 0.2958% | 2,212 |
| Net operating income to assets | 0.4878% | 4,876 |
| Return on assets (ROA) | 1.2365% | 1,781 |
| Pretax return on assets | 1.6703% | 1,339 |
| Return on Equity (ROE) | 10.5588% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.5588% | 837 |
| Net charge-offs to loans | 0.3533% | 2,602 |
| Credit loss provision to net charge-offs | 283.0189% | 1,038 |
| Earnings coverage of net charge-offs (x) | 9.1321% | 2,205 |
| Efficiency ratio | 70.7199% | 3,647 |
| Assets per employee ($millions) | 6.1476% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9642% | 353 |
| Loan loss allowance to noncurrent loans | 48.7329% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 5.9596% | 717 |
| Noncurrent loans to loans | 8.1345% | 417 |
| Net loans and leases to total assets | 28.8902% | 6,906 |
| Net loans and leases to deposits | 37.6050% | 6,819 |
| Net loans and leases to core deposits | 39.1381% | 6,824 |
| Total domestic deposits to total assets | 76.8254% | 6,354 |
| Equity capital to assets | 12.4286% | 1,861 |
| Core capital (leverage) ratio | 11.6029% | 1,834 |
| Tier 1 risk-based capital ratio | 22.6879% | 1,177 |
| Total risk-based capital ratio | 23.9507% | 1,159 |
| Memoranda: | ||
| Average total assets | $101,417,000 | 4,870 |
| Average earning assets | $93,924,330 | 4,820 |
| Average equity | $11,876,330 | 4,632 |
| Average total loans | $30,000,330 | 6,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 5,392 |
| Cost of funding earning assets | 1.0411% | 1,739 |
| Net interest margin | 3.0773% | 6,113 |
| Noninterest income to average assets | 0.4274% | 4,474 |
| Noninterest expense to average assets | 2.2692% | 5,856 |
| Loan and lease loss provision to assets | 0.2914% | 2,136 |
| Net operating income to assets | 0.6800% | 3,979 |
| Return on assets (ROA) | 0.6800% | 4,197 |
| Pretax return on assets | 0.7149% | 4,744 |
| Return on Equity (ROE) | 5.9819% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.9819% | 2,968 |
| Net charge-offs to loans | 0.0265% | 4,311 |
| Credit loss provision to net charge-offs | 3,750.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 129.5000% | 276 |
| Efficiency ratio | 69.2764% | 3,936 |
| Assets per employee ($millions) | 5.9881% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7872% | 435 |
| Loan loss allowance to noncurrent loans | 45.0059% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 5.9019% | 804 |
| Noncurrent loans to loans | 8.4149% | 433 |
| Net loans and leases to total assets | 28.6747% | 6,956 |
| Net loans and leases to deposits | 35.2975% | 6,912 |
| Net loans and leases to core deposits | 36.6069% | 6,923 |
| Total domestic deposits to total assets | 81.2372% | 5,536 |
| Equity capital to assets | 11.5141% | 2,429 |
| Core capital (leverage) ratio | 10.5738% | 2,669 |
| Tier 1 risk-based capital ratio | 23.6785% | 1,046 |
| Total risk-based capital ratio | 24.9434% | 1,030 |
| Memoranda: | ||
| Average total assets | $102,944,500 | 4,867 |
| Average earning assets | $95,279,500 | 4,810 |
| Average equity | $11,702,000 | 4,675 |
| Average total loans | $30,205,500 | 6,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 6,487 |
| Cost of funding earning assets | 1.2089% | 1,972 |
| Net interest margin | 2.7730% | 6,848 |
| Noninterest income to average assets | 0.1131% | 6,583 |
| Noninterest expense to average assets | 2.3415% | 5,937 |
| Loan and lease loss provision to assets | 0.6834% | 1,498 |
| Net operating income to assets | -0.2045% | 6,260 |
| Return on assets (ROA) | 0.2715% | 5,515 |
| Pretax return on assets | 0.1546% | 5,878 |
| Return on Equity (ROE) | 2.6002% | 5,438 |
| Retained earnings to average equity (ytd only) | 2.6002% | 4,375 |
| Net charge-offs to loans | 2.0385% | 675 |
| Credit loss provision to net charge-offs | 105.8394% | 3,227 |
| Earnings coverage of net charge-offs (x) | 0.5606% | 5,411 |
| Efficiency ratio | 86.6109% | 1,487 |
| Assets per employee ($millions) | 6.1231% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5781% | 508 |
| Loan loss allowance to noncurrent loans | 38.8167% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 6.1359% | 791 |
| Noncurrent loans to loans | 9.2179% | 376 |
| Net loans and leases to total assets | 27.8561% | 7,064 |
| Net loans and leases to deposits | 34.1097% | 7,042 |
| Net loans and leases to core deposits | 35.2047% | 7,054 |
| Total domestic deposits to total assets | 81.6662% | 5,247 |
| Equity capital to assets | 11.2237% | 2,766 |
| Core capital (leverage) ratio | 11.1801% | 2,136 |
| Tier 1 risk-based capital ratio | 23.2920% | 1,068 |
| Total risk-based capital ratio | 24.5554% | 1,046 |
| Memoranda: | ||
| Average total assets | $106,088,000 | 4,728 |
| Average earning assets | $99,098,800 | 4,659 |
| Average equity | $11,076,000 | 4,761 |
| Average total loans | $33,602,400 | 5,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 6,506 |
| Cost of funding earning assets | 1.2534% | 1,976 |
| Net interest margin | 2.7954% | 6,889 |
| Noninterest income to average assets | 0.1901% | 6,233 |
| Noninterest expense to average assets | 2.3154% | 5,989 |
| Loan and lease loss provision to assets | 0.5004% | 1,983 |
| Net operating income to assets | 0.0313% | 6,109 |
| Return on assets (ROA) | 0.3515% | 5,381 |
| Pretax return on assets | 0.3115% | 5,678 |
| Return on Equity (ROE) | 3.4296% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.4296% | 4,293 |
| Net charge-offs to loans | 1.3725% | 1,104 |
| Credit loss provision to net charge-offs | 112.6761% | 2,899 |
| Earnings coverage of net charge-offs (x) | 1.1071% | 4,801 |
| Efficiency ratio | 82.4866% | 1,905 |
| Assets per employee ($millions) | 5.5860% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4995% | 565 |
| Loan loss allowance to noncurrent loans | 172.1338% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 4.8893% | 1,187 |
| Noncurrent loans to loans | 2.0330% | 3,326 |
| Net loans and leases to total assets | 31.3905% | 7,040 |
| Net loans and leases to deposits | 39.6861% | 6,983 |
| Net loans and leases to core deposits | 41.1323% | 7,002 |
| Total domestic deposits to total assets | 79.0969% | 5,967 |
| Equity capital to assets | 12.3639% | 1,992 |
| Core capital (leverage) ratio | 10.8162% | 2,558 |
| Tier 1 risk-based capital ratio | 24.3626% | 974 |
| Total risk-based capital ratio | 25.6274% | 958 |
| Memoranda: | ||
| Average total assets | $106,587,000 | 4,745 |
| Average earning assets | $99,781,000 | 4,676 |
| Average equity | $10,924,250 | 4,821 |
| Average total loans | $34,485,000 | 5,994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 6,679 |
| Cost of funding earning assets | 1.2603% | 2,183 |
| Net interest margin | 2.7304% | 6,995 |
| Noninterest income to average assets | 0.1286% | 6,682 |
| Noninterest expense to average assets | 2.2723% | 6,191 |
| Loan and lease loss provision to assets | 0.5884% | 1,645 |
| Net operating income to assets | -0.1159% | 6,368 |
| Return on assets (ROA) | 0.3476% | 5,315 |
| Pretax return on assets | 0.3006% | 5,667 |
| Return on Equity (ROE) | 3.6050% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.6050% | 3,943 |
| Net charge-offs to loans | 2.2251% | 579 |
| Credit loss provision to net charge-offs | 81.8640% | 3,714 |
| Earnings coverage of net charge-offs (x) | 0.5919% | 4,853 |
| Efficiency ratio | 84.2282% | 1,790 |
| Assets per employee ($millions) | 6.3606% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0041% | 897 |
| Loan loss allowance to noncurrent loans | 104.4420% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 4.3448% | 1,463 |
| Noncurrent loans to loans | 2.8763% | 2,541 |
| Net loans and leases to total assets | 28.7857% | 7,220 |
| Net loans and leases to deposits | 34.7874% | 7,198 |
| Net loans and leases to core deposits | 36.0551% | 7,219 |
| Total domestic deposits to total assets | 82.7476% | 4,875 |
| Equity capital to assets | 10.4735% | 3,540 |
| Core capital (leverage) ratio | 9.8287% | 3,481 |
| Tier 1 risk-based capital ratio | 23.4373% | 1,068 |
| Total risk-based capital ratio | 24.6988% | 1,049 |
| Memoranda: | ||
| Average total assets | $110,462,000 | 4,691 |
| Average earning assets | $103,940,000 | 4,604 |
| Average equity | $10,652,000 | 4,883 |
| Average total loans | $35,683,330 | 5,981 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1160% | 6,476 |
| Cost of funding earning assets | 1.2787% | 2,309 |
| Net interest margin | 2.8373% | 6,853 |
| Noninterest income to average assets | 0.2186% | 6,168 |
| Noninterest expense to average assets | 2.3650% | 6,002 |
| Loan and lease loss provision to assets | 0.2687% | 2,992 |
| Net operating income to assets | 0.3512% | 5,171 |
| Return on assets (ROA) | 0.3512% | 5,252 |
| Pretax return on assets | 0.2723% | 5,740 |
| Return on Equity (ROE) | 3.8001% | 5,002 |
| Retained earnings to average equity (ytd only) | 3.8001% | 3,890 |
| Net charge-offs to loans | 1.3447% | 1,032 |
| Credit loss provision to net charge-offs | 59.5238% | 3,554 |
| Earnings coverage of net charge-offs (x) | 1.1984% | 3,763 |
| Efficiency ratio | 81.3810% | 2,324 |
| Assets per employee ($millions) | 6.5302% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7926% | 1,118 |
| Loan loss allowance to noncurrent loans | 33.1650% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 4.1392% | 1,600 |
| Noncurrent loans to loans | 8.4203% | 563 |
| Net loans and leases to total assets | 30.8856% | 7,208 |
| Net loans and leases to deposits | 36.6894% | 7,204 |
| Net loans and leases to core deposits | 37.8607% | 7,223 |
| Total domestic deposits to total assets | 84.1811% | 4,417 |
| Equity capital to assets | 9.3683% | 4,625 |
| Core capital (leverage) ratio | 9.3923% | 3,975 |
| Tier 1 risk-based capital ratio | 21.5064% | 1,312 |
| Total risk-based capital ratio | 22.7647% | 1,287 |
| Memoranda: | ||
| Average total assets | $111,628,000 | 4,695 |
| Average earning assets | $105,733,000 | 4,597 |
| Average equity | $10,315,500 | 4,960 |
| Average total loans | $37,480,000 | 5,967 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 6,766 |
| Cost of funding earning assets | 1.5293% | 2,485 |
| Net interest margin | 2.7849% | 7,047 |
| Noninterest income to average assets | -0.1193% | 7,409 |
| Noninterest expense to average assets | 2.3183% | 6,308 |
| Loan and lease loss provision to assets | 1.2976% | 1,187 |
| Net operating income to assets | -0.5449% | 6,417 |
| Return on assets (ROA) | 0.0291% | 5,889 |
| Pretax return on assets | -0.2167% | 6,101 |
| Return on Equity (ROE) | 0.2936% | 5,884 |
| Retained earnings to average equity (ytd only) | 0.2936% | 5,437 |
| Net charge-offs to loans | 3.6634% | 375 |
| Credit loss provision to net charge-offs | 88.5643% | 5,183 |
| Earnings coverage of net charge-offs (x) | 0.1255% | 5,996 |
| Efficiency ratio | 92.6492% | 1,135 |
| Assets per employee ($millions) | 6.2357% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6104% | 1,282 |
| Loan loss allowance to noncurrent loans | 16.8950% | 6,915 |
| Noncurrent assets plus other real estate owned to assets | 6.3095% | 908 |
| Noncurrent loans to loans | 15.4505% | 146 |
| Net loans and leases to total assets | 34.4360% | 7,209 |
| Net loans and leases to deposits | 40.7223% | 7,229 |
| Net loans and leases to core deposits | 41.8856% | 7,260 |
| Total domestic deposits to total assets | 84.5630% | 4,073 |
| Equity capital to assets | 9.1150% | 4,972 |
| Core capital (leverage) ratio | 10.1009% | 2,974 |
| Tier 1 risk-based capital ratio | 20.8225% | 1,344 |
| Total risk-based capital ratio | 22.0824% | 1,326 |
| Memoranda: | ||
| Average total assets | $109,820,400 | 4,717 |
| Average earning assets | $103,377,600 | 4,624 |
| Average equity | $10,900,400 | 4,888 |
| Average total loans | $43,920,800 | 5,750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 6,569 |
| Cost of funding earning assets | 1.5845% | 2,476 |
| Net interest margin | 2.9299% | 6,961 |
| Noninterest income to average assets | -0.1953% | 7,591 |
| Noninterest expense to average assets | 2.3916% | 6,056 |
| Loan and lease loss provision to assets | 1.1598% | 1,248 |
| Net operating income to assets | -0.9058% | 6,845 |
| Return on assets (ROA) | 0.2967% | 5,348 |
| Pretax return on assets | 0.2075% | 5,714 |
| Return on Equity (ROE) | 2.9273% | 5,249 |
| Retained earnings to average equity (ytd only) | 2.9273% | 4,377 |
| Net charge-offs to loans | 3.2933% | 431 |
| Credit loss provision to net charge-offs | 85.5086% | 4,945 |
| Earnings coverage of net charge-offs (x) | 0.1215% | 5,899 |
| Efficiency ratio | 93.5530% | 1,024 |
| Assets per employee ($millions) | 5.7224% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 1,442 |
| Loan loss allowance to noncurrent loans | 24.9294% | 6,656 |
| Noncurrent assets plus other real estate owned to assets | 5.0949% | 1,257 |
| Noncurrent loans to loans | 9.7282% | 449 |
| Net loans and leases to total assets | 41.3654% | 7,007 |
| Net loans and leases to deposits | 50.8042% | 6,957 |
| Net loans and leases to core deposits | 52.6116% | 7,025 |
| Total domestic deposits to total assets | 81.4211% | 5,232 |
| Equity capital to assets | 11.2044% | 2,771 |
| Core capital (leverage) ratio | 10.3500% | 2,856 |
| Tier 1 risk-based capital ratio | 20.5746% | 1,427 |
| Total risk-based capital ratio | 21.8329% | 1,411 |
| Memoranda: | ||
| Average total assets | $109,214,750 | 4,792 |
| Average earning assets | $102,573,000 | 4,707 |
| Average equity | $11,067,750 | 4,905 |
| Average total loans | $44,979,000 | 5,783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 6,335 |
| Cost of funding earning assets | 1.6261% | 2,508 |
| Net interest margin | 3.0160% | 6,795 |
| Noninterest income to average assets | -0.0719% | 7,607 |
| Noninterest expense to average assets | 2.1476% | 6,771 |
| Loan and lease loss provision to assets | 0.8087% | 1,787 |
| Net operating income to assets | 0.0514% | 5,988 |
| Return on assets (ROA) | 0.1779% | 5,764 |
| Pretax return on assets | -0.0072% | 6,162 |
| Return on Equity (ROE) | 1.8148% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.8148% | 4,958 |
| Net charge-offs to loans | 2.7435% | 602 |
| Credit loss provision to net charge-offs | 72.2311% | 4,911 |
| Earnings coverage of net charge-offs (x) | 0.5393% | 5,195 |
| Efficiency ratio | 78.0536% | 2,721 |
| Assets per employee ($millions) | 5.7392% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,542 |
| Loan loss allowance to noncurrent loans | 29.6769% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 4.5422% | 1,456 |
| Noncurrent loans to loans | 7.8451% | 666 |
| Net loans and leases to total assets | 40.2806% | 7,146 |
| Net loans and leases to deposits | 48.8712% | 7,116 |
| Net loans and leases to core deposits | 50.0547% | 7,205 |
| Total domestic deposits to total assets | 82.4219% | 4,817 |
| Equity capital to assets | 10.6121% | 3,265 |
| Core capital (leverage) ratio | 9.6672% | 3,581 |
| Tier 1 risk-based capital ratio | 18.4726% | 1,841 |
| Total risk-based capital ratio | 19.7294% | 1,804 |
| Memoranda: | ||
| Average total assets | $111,285,000 | 4,767 |
| Average earning assets | $104,177,330 | 4,687 |
| Average equity | $10,910,000 | 4,943 |
| Average total loans | $45,416,330 | 5,796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 5,980 |
| Cost of funding earning assets | 1.6759% | 2,508 |
| Net interest margin | 3.1009% | 6,590 |
| Noninterest income to average assets | 0.0427% | 7,498 |
| Noninterest expense to average assets | 2.1031% | 6,934 |
| Loan and lease loss provision to assets | 1.0676% | 1,159 |
| Net operating income to assets | -0.0747% | 6,406 |
| Return on assets (ROA) | 0.3167% | 5,350 |
| Pretax return on assets | 0.1673% | 5,976 |
| Return on Equity (ROE) | 3.3652% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.3652% | 4,140 |
| Net charge-offs to loans | 4.1894% | 310 |
| Credit loss provision to net charge-offs | 62.7615% | 4,246 |
| Earnings coverage of net charge-offs (x) | 0.4958% | 4,586 |
| Efficiency ratio | 71.3768% | 4,054 |
| Assets per employee ($millions) | 6.2547% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 1,576 |
| Loan loss allowance to noncurrent loans | 71.1263% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 3.4152% | 2,066 |
| Noncurrent loans to loans | 3.2374% | 2,469 |
| Net loans and leases to total assets | 39.2685% | 7,292 |
| Net loans and leases to deposits | 46.6611% | 7,298 |
| Net loans and leases to core deposits | 47.7296% | 7,375 |
| Total domestic deposits to total assets | 84.1567% | 4,072 |
| Equity capital to assets | 9.4614% | 4,595 |
| Core capital (leverage) ratio | 9.4160% | 3,893 |
| Tier 1 risk-based capital ratio | 17.9178% | 1,962 |
| Total risk-based capital ratio | 19.1736% | 1,932 |
| Memoranda: | ||
| Average total assets | $112,405,000 | 4,810 |
| Average earning assets | $105,259,000 | 4,730 |
| Average equity | $10,579,000 | 5,080 |
| Average total loans | $45,639,000 | 5,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5843% | 3,688 |
| Cost of funding earning assets | 1.9522% | 3,200 |
| Net interest margin | 3.6321% | 4,417 |
| Noninterest income to average assets | 0.3159% | 5,821 |
| Noninterest expense to average assets | 2.9186% | 4,467 |
| Loan and lease loss provision to assets | 1.2754% | 1,812 |
| Net operating income to assets | -0.3444% | 6,021 |
| Return on assets (ROA) | 0.2198% | 4,898 |
| Pretax return on assets | 0.1010% | 5,221 |
| Return on Equity (ROE) | 2.0799% | 4,871 |
| Retained earnings to average equity (ytd only) | -1.4021% | 5,368 |
| Net charge-offs to loans | 3.0776% | 677 |
| Credit loss provision to net charge-offs | 82.4350% | 6,233 |
| Earnings coverage of net charge-offs (x) | 0.5250% | 5,592 |
| Efficiency ratio | 78.2277% | 3,154 |
| Assets per employee ($millions) | 6.2348% | 1,115 |
| Cash dividends to net income (ytd only)* | 167.4107% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 1,070 |
| Loan loss allowance to noncurrent loans | 56.7178% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 3.4849% | 1,933 |
| Noncurrent loans to loans | 4.6734% | 1,506 |
| Net loans and leases to total assets | 39.9248% | 7,354 |
| Net loans and leases to deposits | 47.3606% | 7,381 |
| Net loans and leases to core deposits | 56.1338% | 7,399 |
| Total domestic deposits to total assets | 84.2995% | 3,892 |
| Equity capital to assets | 9.3615% | 4,615 |
| Core capital (leverage) ratio | 10.6465% | 2,475 |
| Tier 1 risk-based capital ratio | 17.1904% | 2,101 |
| Total risk-based capital ratio | 18.4493% | 2,056 |
| Memoranda: | ||
| Average total assets | $101,930,800 | 5,043 |
| Average earning assets | $95,839,400 | 4,952 |
| Average equity | $10,769,800 | 5,086 |
| Average total loans | $51,241,600 | 5,612 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8365% | 2,718 |
| Cost of funding earning assets | 2.0439% | 3,148 |
| Net interest margin | 3.7926% | 3,688 |
| Noninterest income to average assets | 0.4308% | 5,036 |
| Noninterest expense to average assets | 3.0596% | 3,806 |
| Loan and lease loss provision to assets | 1.1742% | 1,650 |
| Net operating income to assets | -0.1396% | 5,970 |
| Return on assets (ROA) | 0.2590% | 5,046 |
| Pretax return on assets | 0.1637% | 5,377 |
| Return on Equity (ROE) | 2.3748% | 5,039 |
| Retained earnings to average equity (ytd only) | -2.2394% | 5,768 |
| Net charge-offs to loans | 2.5526% | 718 |
| Credit loss provision to net charge-offs | 86.9781% | 5,567 |
| Earnings coverage of net charge-offs (x) | 0.6958% | 5,338 |
| Efficiency ratio | 76.5101% | 3,417 |
| Assets per employee ($millions) | 4.9497% | 2,208 |
| Cash dividends to net income (ytd only)* | 194.2991% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7408% | 843 |
| Loan loss allowance to noncurrent loans | 50.0183% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 4.1523% | 1,514 |
| Noncurrent loans to loans | 5.4796% | 1,140 |
| Net loans and leases to total assets | 51.5423% | 6,650 |
| Net loans and leases to deposits | 64.8460% | 6,415 |
| Net loans and leases to core deposits | 80.2932% | 6,327 |
| Total domestic deposits to total assets | 79.4843% | 5,631 |
| Equity capital to assets | 11.8039% | 2,351 |
| Core capital (leverage) ratio | 11.0940% | 2,339 |
| Tier 1 risk-based capital ratio | 17.7889% | 2,050 |
| Total risk-based capital ratio | 19.0509% | 1,996 |
| Memoranda: | ||
| Average total assets | $99,357,000 | 5,139 |
| Average earning assets | $93,478,500 | 5,055 |
| Average equity | $10,835,750 | 5,102 |
| Average total loans | $52,545,500 | 5,612 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 3,564 |
| Cost of funding earning assets | 2.0616% | 3,466 |
| Net interest margin | 3.6335% | 4,230 |
| Noninterest income to average assets | 0.3659% | 5,584 |
| Noninterest expense to average assets | 3.2850% | 3,026 |
| Loan and lease loss provision to assets | 1.0877% | 1,576 |
| Net operating income to assets | -0.2084% | 6,205 |
| Return on assets (ROA) | 0.1523% | 5,508 |
| Pretax return on assets | -0.0237% | 5,895 |
| Return on Equity (ROE) | 1.4329% | 5,480 |
| Retained earnings to average equity (ytd only) | -5.5456% | 6,382 |
| Net charge-offs to loans | 2.5333% | 678 |
| Credit loss provision to net charge-offs | 81.2408% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.3737% | 5,308 |
| Efficiency ratio | 86.7816% | 2,146 |
| Assets per employee ($millions) | 5.2395% | 1,825 |
| Cash dividends to net income (ytd only)* | 487.0130% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6107% | 814 |
| Loan loss allowance to noncurrent loans | 28.7936% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 5.9588% | 817 |
| Noncurrent loans to loans | 9.0668% | 431 |
| Net loans and leases to total assets | 51.3380% | 6,753 |
| Net loans and leases to deposits | 64.6867% | 6,500 |
| Net loans and leases to core deposits | 80.3342% | 6,380 |
| Total domestic deposits to total assets | 79.3641% | 5,702 |
| Equity capital to assets | 10.3827% | 3,534 |
| Core capital (leverage) ratio | 10.4512% | 2,859 |
| Tier 1 risk-based capital ratio | 16.5327% | 2,436 |
| Total risk-based capital ratio | 17.7940% | 2,377 |
| Memoranda: | ||
| Average total assets | $101,127,670 | 5,132 |
| Average earning assets | $95,168,670 | 5,035 |
| Average equity | $10,747,330 | 5,151 |
| Average total loans | $53,447,670 | 5,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 3,090 |
| Cost of funding earning assets | 2.1546% | 3,397 |
| Net interest margin | 3.6858% | 3,962 |
| Noninterest income to average assets | 0.3925% | 5,270 |
| Noninterest expense to average assets | 2.2411% | 6,720 |
| Loan and lease loss provision to assets | 0.2944% | 3,595 |
| Net operating income to assets | 1.1430% | 1,832 |
| Return on assets (ROA) | 1.7269% | 673 |
| Pretax return on assets | 1.9859% | 677 |
| Return on Equity (ROE) | 16.0687% | 812 |
| Retained earnings to average equity (ytd only) | 2.3738% | 4,555 |
| Net charge-offs to loans | 1.8987% | 760 |
| Credit loss provision to net charge-offs | 29.2969% | 4,956 |
| Earnings coverage of net charge-offs (x) | 1.6016% | 3,926 |
| Efficiency ratio | 58.2059% | 6,669 |
| Assets per employee ($millions) | 5.0315% | 2,037 |
| Cash dividends to net income (ytd only)* | 85.2273% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4446% | 810 |
| Loan loss allowance to noncurrent loans | 27.0060% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 5.4725% | 782 |
| Noncurrent loans to loans | 9.0521% | 351 |
| Net loans and leases to total assets | 52.1882% | 6,666 |
| Net loans and leases to deposits | 63.7993% | 6,578 |
| Net loans and leases to core deposits | 77.6764% | 6,559 |
| Total domestic deposits to total assets | 81.8007% | 4,636 |
| Equity capital to assets | 10.7940% | 3,191 |
| Core capital (leverage) ratio | 10.5048% | 2,919 |
| Tier 1 risk-based capital ratio | 17.1882% | 2,279 |
| Total risk-based capital ratio | 18.4487% | 2,215 |
| Memoranda: | ||
| Average total assets | $101,916,500 | 5,126 |
| Average earning assets | $95,610,000 | 5,034 |
| Average equity | $10,953,000 | 5,122 |
| Average total loans | $53,933,000 | 5,635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3290% | 3,799 |
| Cost of funding earning assets | 2.7491% | 2,931 |
| Net interest margin | 3.5799% | 4,977 |
| Noninterest income to average assets | 0.3130% | 6,214 |
| Noninterest expense to average assets | 2.2773% | 6,764 |
| Loan and lease loss provision to assets | 0.6001% | 2,425 |
| Net operating income to assets | 0.6752% | 4,005 |
| Return on assets (ROA) | 0.7621% | 3,454 |
| Pretax return on assets | 0.9631% | 3,513 |
| Return on Equity (ROE) | 6.9915% | 3,536 |
| Retained earnings to average equity (ytd only) | 1.4864% | 4,333 |
| Net charge-offs to loans | 0.1988% | 4,206 |
| Credit loss provision to net charge-offs | 566.0377% | 775 |
| Earnings coverage of net charge-offs (x) | 13.7075% | 2,111 |
| Efficiency ratio | 61.0456% | 6,151 |
| Assets per employee ($millions) | 5.1602% | 1,771 |
| Cash dividends to net income (ytd only)* | 78.7402% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7705% | 531 |
| Loan loss allowance to noncurrent loans | 43.2159% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 3.6230% | 1,212 |
| Noncurrent loans to loans | 6.4109% | 505 |
| Net loans and leases to total assets | 50.9055% | 6,943 |
| Net loans and leases to deposits | 61.9149% | 6,951 |
| Net loans and leases to core deposits | 76.5128% | 6,833 |
| Total domestic deposits to total assets | 82.2185% | 4,115 |
| Equity capital to assets | 10.7012% | 3,296 |
| Core capital (leverage) ratio | 10.6874% | 2,834 |
| Tier 1 risk-based capital ratio | 16.0024% | 2,663 |
| Total risk-based capital ratio | 17.2644% | 2,604 |
| Memoranda: | ||
| Average total assets | $99,986,800 | 5,046 |
| Average earning assets | $95,448,800 | 4,937 |
| Average equity | $10,899,000 | 5,151 |
| Average total loans | $53,331,400 | 5,560 |