Home > The Farmers Savings Bank > Performance and Condition Ratios
The Farmers Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 4,044 |
| Cost of funding earning assets | 0.9425% | 3,430 |
| Net interest margin | 2.9937% | 3,298 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.5384% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5418% | 950 |
| Return on assets (ROA) | 1.5387% | 920 |
| Pretax return on assets | 1.5387% | 1,343 |
| Return on Equity (ROE) | 9.1100% | 2,727 |
| Retained earnings to average equity (ytd only) | 1.9358% | 3,590 |
| Net charge-offs to loans | -0.0421% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.9438% | 3,986 |
| Assets per employee ($millions) | 11.1315% | 521 |
| Cash dividends to net income (ytd only)* | 78.7579% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9684% | 119 |
| Loan loss allowance to noncurrent loans | 129.2081% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.7985% | 640 |
| Noncurrent loans to loans | 2.2974% | 226 |
| Net loans and leases to total assets | 33.7200% | 4,217 |
| Net loans and leases to deposits | 41.9549% | 4,152 |
| Net loans and leases to core deposits | 51.6836% | 4,038 |
| Total domestic deposits to total assets | 80.3800% | 3,402 |
| Equity capital to assets | 19.3571% | 302 |
| Core capital (leverage) ratio | 28.2895% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $288,809,800 | 2,481 |
| Average earning assets | $282,028,600 | 2,403 |
| Average equity | $48,766,200 | 1,641 |
| Average total loans | $99,808,400 | 3,178 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8689% | 4,043 |
| Cost of funding earning assets | 0.8455% | 3,412 |
| Net interest margin | 3.0235% | 3,300 |
| Noninterest income to average assets | 0.1600% | 4,013 |
| Noninterest expense to average assets | 1.4785% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6319% | 888 |
| Return on assets (ROA) | 1.6277% | 883 |
| Pretax return on assets | 1.6277% | 1,300 |
| Return on Equity (ROE) | 10.0100% | 2,630 |
| Retained earnings to average equity (ytd only) | 2.1979% | 3,689 |
| Net charge-offs to loans | -0.0522% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.5349% | 4,067 |
| Assets per employee ($millions) | 9.9220% | 686 |
| Cash dividends to net income (ytd only)* | 78.0363% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9434% | 126 |
| Loan loss allowance to noncurrent loans | 124.6032% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.8617% | 630 |
| Noncurrent loans to loans | 2.3622% | 215 |
| Net loans and leases to total assets | 35.4100% | 4,201 |
| Net loans and leases to deposits | 41.1997% | 4,179 |
| Net loans and leases to core deposits | 49.2682% | 4,058 |
| Total domestic deposits to total assets | 85.9400% | 2,216 |
| Equity capital to assets | 13.7599% | 682 |
| Core capital (leverage) ratio | 29.7002% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $288,657,500 | 2,482 |
| Average earning assets | $281,654,250 | 2,404 |
| Average equity | $46,952,000 | 1,673 |
| Average total loans | $99,612,500 | 3,181 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,115 |
| Cost of funding earning assets | 0.7036% | 3,477 |
| Net interest margin | 3.0197% | 3,380 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 1.4480% | 4,371 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6649% | 842 |
| Return on assets (ROA) | 1.6635% | 847 |
| Pretax return on assets | 1.6635% | 1,288 |
| Return on Equity (ROE) | 9.7500% | 2,776 |
| Retained earnings to average equity (ytd only) | 1.7288% | 3,777 |
| Net charge-offs to loans | -0.0666% | 4,446 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.5157% | 4,141 |
| Assets per employee ($millions) | 9.9848% | 676 |
| Cash dividends to net income (ytd only)* | 82.2707% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9672% | 134 |
| Loan loss allowance to noncurrent loans | 122.1083% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 596 |
| Noncurrent loans to loans | 2.4300% | 192 |
| Net loans and leases to total assets | 33.6200% | 4,249 |
| Net loans and leases to deposits | 41.0363% | 4,186 |
| Net loans and leases to core deposits | 49.1769% | 4,040 |
| Total domestic deposits to total assets | 81.9300% | 3,243 |
| Equity capital to assets | 17.8766% | 348 |
| Core capital (leverage) ratio | 29.0887% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $292,271,667 | 2,470 |
| Average earning assets | $285,661,000 | 2,390 |
| Average equity | $49,860,333 | 1,600 |
| Average total loans | $99,034,667 | 3,183 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 2,587 |
| Cost of funding earning assets | 0.2357% | 3,457 |
| Net interest margin | 3.4436% | 2,121 |
| Noninterest income to average assets | 0.1500% | 4,220 |
| Noninterest expense to average assets | 1.5135% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0060% | 296 |
| Return on assets (ROA) | 1.9351% | 323 |
| Pretax return on assets | 1.9351% | 539 |
| Return on Equity (ROE) | 10.3300% | 2,703 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,640 |
| Net charge-offs to loans | 0.0367% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 173.0571% | 721 |
| Efficiency ratio | 43.0037% | 4,462 |
| Assets per employee ($millions) | 10.5111% | 578 |
| Cash dividends to net income (ytd only)* | 68.4580% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0198% | 116 |
| Loan loss allowance to noncurrent loans | 121.8039% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 564 |
| Noncurrent loans to loans | 2.4792% | 190 |
| Net loans and leases to total assets | 32.1200% | 4,337 |
| Net loans and leases to deposits | 38.5347% | 4,282 |
| Net loans and leases to core deposits | 43.9622% | 4,179 |
| Total domestic deposits to total assets | 83.3700% | 3,341 |
| Equity capital to assets | 16.5730% | 356 |
| Core capital (leverage) ratio | 30.5925% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $301,949,800 | 2,442 |
| Average earning assets | $295,333,200 | 2,364 |
| Average equity | $56,554,600 | 1,468 |
| Average total loans | $95,299,600 | 3,213 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 2,213 |
| Cost of funding earning assets | 0.2203% | 3,036 |
| Net interest margin | 3.4226% | 1,906 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.4138% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.0851% | 255 |
| Return on assets (ROA) | 2.0671% | 263 |
| Pretax return on assets | 2.0671% | 404 |
| Return on Equity (ROE) | 10.7400% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.8997% | 3,478 |
| Net charge-offs to loans | 0.0408% | 1,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 163.8621% | 712 |
| Efficiency ratio | 40.4063% | 4,563 |
| Assets per employee ($millions) | 10.2170% | 610 |
| Cash dividends to net income (ytd only)* | 63.6807% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0958% | 125 |
| Loan loss allowance to noncurrent loans | 227.8764% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5051% | 1,086 |
| Noncurrent loans to loans | 1.3585% | 535 |
| Net loans and leases to total assets | 32.2900% | 4,361 |
| Net loans and leases to deposits | 37.3134% | 4,331 |
| Net loans and leases to core deposits | 42.6724% | 4,205 |
| Total domestic deposits to total assets | 86.5400% | 2,905 |
| Equity capital to assets | 13.4216% | 627 |
| Core capital (leverage) ratio | 28.2891% | 128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $303,859,750 | 2,446 |
| Average earning assets | $297,195,500 | 2,372 |
| Average equity | $58,499,250 | 1,447 |
| Average total loans | $94,752,000 | 3,239 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 2,720 |
| Cost of funding earning assets | 0.2158% | 2,695 |
| Net interest margin | 3.0906% | 2,562 |
| Noninterest income to average assets | 0.1466% | 4,285 |
| Noninterest expense to average assets | 1.3461% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8238% | 323 |
| Return on assets (ROA) | 1.8225% | 318 |
| Pretax return on assets | 1.8225% | 564 |
| Return on Equity (ROE) | 8.6595% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.5245% | 3,613 |
| Net charge-offs to loans | 0.0677% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 88.2813% | 876 |
| Efficiency ratio | 42.4644% | 4,556 |
| Assets per employee ($millions) | 10.6256% | 552 |
| Cash dividends to net income (ytd only)* | 70.8466% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1200% | 132 |
| Loan loss allowance to noncurrent loans | 107.0054% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9764% | 489 |
| Noncurrent loans to loans | 2.9157% | 174 |
| Net loans and leases to total assets | 30.7679% | 4,438 |
| Net loans and leases to deposits | 37.1123% | 4,365 |
| Net loans and leases to core deposits | 42.8255% | 4,236 |
| Total domestic deposits to total assets | 82.9049% | 3,889 |
| Equity capital to assets | 17.0531% | 275 |
| Core capital (leverage) ratio | 25.5029% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,787,667 | 2,434 |
| Average earning assets | $303,051,000 | 2,361 |
| Average equity | $65,200,333 | 1,358 |
| Average total loans | $94,561,333 | 3,264 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1950% | 2,707 |
| Cost of funding earning assets | 0.2137% | 2,616 |
| Net interest margin | 2.9813% | 2,564 |
| Noninterest income to average assets | 0.1380% | 4,329 |
| Noninterest expense to average assets | 1.3332% | 4,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7194% | 390 |
| Return on assets (ROA) | 1.7169% | 397 |
| Pretax return on assets | 1.7169% | 660 |
| Return on Equity (ROE) | 7.4884% | 2,872 |
| Retained earnings to average equity (ytd only) | 1.9660% | 3,552 |
| Net charge-offs to loans | -0.0085% | 3,516 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6748% | 4,564 |
| Assets per employee ($millions) | 10.9731% | 515 |
| Cash dividends to net income (ytd only)* | 73.7463% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1962% | 133 |
| Loan loss allowance to noncurrent loans | 100.9137% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 537 |
| Noncurrent loans to loans | 3.1673% | 159 |
| Net loans and leases to total assets | 29.3952% | 4,464 |
| Net loans and leases to deposits | 37.2233% | 4,347 |
| Net loans and leases to core deposits | 43.0652% | 4,199 |
| Total domestic deposits to total assets | 78.9700% | 4,348 |
| Equity capital to assets | 20.9867% | 142 |
| Core capital (leverage) ratio | 23.5756% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,922,500 | 2,416 |
| Average earning assets | $308,860,500 | 2,340 |
| Average equity | $72,432,500 | 1,296 |
| Average total loans | $94,598,000 | 3,265 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 3,435 |
| Cost of funding earning assets | 0.2882% | 2,522 |
| Net interest margin | 2.9302% | 3,373 |
| Noninterest income to average assets | 0.1444% | 4,434 |
| Noninterest expense to average assets | 1.3816% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6298% | 739 |
| Return on assets (ROA) | 1.6454% | 751 |
| Pretax return on assets | 1.6454% | 1,292 |
| Return on Equity (ROE) | 6.3927% | 3,677 |
| Retained earnings to average equity (ytd only) | 1.5350% | 4,111 |
| Net charge-offs to loans | -0.1008% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8792% | 4,506 |
| Assets per employee ($millions) | 10.8199% | 534 |
| Cash dividends to net income (ytd only)* | 75.9878% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1064% | 137 |
| Loan loss allowance to noncurrent loans | 60.3770% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5200% | 271 |
| Noncurrent loans to loans | 5.1450% | 71 |
| Net loans and leases to total assets | 28.6259% | 4,551 |
| Net loans and leases to deposits | 38.0699% | 4,399 |
| Net loans and leases to core deposits | 43.9130% | 4,270 |
| Total domestic deposits to total assets | 75.1930% | 4,546 |
| Equity capital to assets | 24.7642% | 94 |
| Core capital (leverage) ratio | 23.8594% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,918,200 | 2,343 |
| Average earning assets | $313,020,400 | 2,267 |
| Average equity | $82,344,000 | 1,171 |
| Average total loans | $92,224,000 | 3,304 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2077% | 3,589 |
| Cost of funding earning assets | 0.3082% | 2,520 |
| Net interest margin | 2.8996% | 3,553 |
| Noninterest income to average assets | 0.1464% | 4,462 |
| Noninterest expense to average assets | 1.3352% | 4,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6489% | 920 |
| Return on assets (ROA) | 1.6698% | 925 |
| Pretax return on assets | 1.6698% | 1,488 |
| Return on Equity (ROE) | 6.4255% | 3,814 |
| Retained earnings to average equity (ytd only) | 1.5967% | 4,295 |
| Net charge-offs to loans | -0.1124% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7435% | 4,553 |
| Assets per employee ($millions) | 10.7827% | 515 |
| Cash dividends to net income (ytd only)* | 75.1503% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1748% | 131 |
| Loan loss allowance to noncurrent loans | 119.9595% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 945 |
| Noncurrent loans to loans | 2.6466% | 273 |
| Net loans and leases to total assets | 27.9354% | 4,649 |
| Net loans and leases to deposits | 37.4694% | 4,529 |
| Net loans and leases to core deposits | 43.2485% | 4,407 |
| Total domestic deposits to total assets | 74.5553% | 4,614 |
| Equity capital to assets | 25.3968% | 90 |
| Core capital (leverage) ratio | 23.5084% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,748,250 | 2,374 |
| Average earning assets | $311,946,750 | 2,293 |
| Average equity | $82,834,000 | 1,191 |
| Average total loans | $91,305,500 | 3,359 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2102% | 3,657 |
| Cost of funding earning assets | 0.3383% | 2,423 |
| Net interest margin | 2.8719% | 3,635 |
| Noninterest income to average assets | 0.1469% | 4,462 |
| Noninterest expense to average assets | 1.3911% | 4,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5607% | 1,145 |
| Return on assets (ROA) | 1.5922% | 1,118 |
| Pretax return on assets | 1.5922% | 1,753 |
| Return on Equity (ROE) | 6.0799% | 3,889 |
| Retained earnings to average equity (ytd only) | 1.2641% | 4,286 |
| Net charge-offs to loans | -0.1611% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1267% | 4,455 |
| Assets per employee ($millions) | 11.0091% | 455 |
| Cash dividends to net income (ytd only)* | 79.2079% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2619% | 122 |
| Loan loss allowance to noncurrent loans | 83.3521% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 653 |
| Noncurrent loans to loans | 3.9134% | 144 |
| Net loans and leases to total assets | 27.4866% | 4,715 |
| Net loans and leases to deposits | 37.1596% | 4,606 |
| Net loans and leases to core deposits | 43.1857% | 4,490 |
| Total domestic deposits to total assets | 73.9690% | 4,652 |
| Equity capital to assets | 25.9806% | 86 |
| Core capital (leverage) ratio | 23.9521% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.4693% | 51 |
| Memoranda: | ||
| Average total assets | $317,170,333 | 2,375 |
| Average earning assets | $309,760,667 | 2,286 |
| Average equity | $83,060,667 | 1,184 |
| Average total loans | $90,631,000 | 3,389 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1563% | 3,764 |
| Cost of funding earning assets | 0.3940% | 2,145 |
| Net interest margin | 2.7622% | 3,844 |
| Noninterest income to average assets | 0.1379% | 4,516 |
| Noninterest expense to average assets | 1.4033% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4311% | 1,493 |
| Return on assets (ROA) | 1.4944% | 1,410 |
| Pretax return on assets | 1.4944% | 2,010 |
| Return on Equity (ROE) | 5.6835% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.8711% | 4,241 |
| Net charge-offs to loans | -0.0221% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5089% | 4,228 |
| Assets per employee ($millions) | 10.8311% | 468 |
| Cash dividends to net income (ytd only)* | 84.6740% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1998% | 129 |
| Loan loss allowance to noncurrent loans | 74.1853% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 589 |
| Noncurrent loans to loans | 4.3133% | 119 |
| Net loans and leases to total assets | 27.8436% | 4,753 |
| Net loans and leases to deposits | 37.5663% | 4,639 |
| Net loans and leases to core deposits | 43.6356% | 4,509 |
| Total domestic deposits to total assets | 74.1185% | 4,664 |
| Equity capital to assets | 25.7844% | 85 |
| Core capital (leverage) ratio | 24.3147% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.8446% | 48 |
| Memoranda: | ||
| Average total assets | $316,123,000 | 2,368 |
| Average earning assets | $308,592,000 | 2,280 |
| Average equity | $83,117,500 | 1,170 |
| Average total loans | $90,589,500 | 3,402 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4761% | 4,071 |
| Cost of funding earning assets | 0.5899% | 2,388 |
| Net interest margin | 2.8863% | 4,132 |
| Noninterest income to average assets | 0.1341% | 4,614 |
| Noninterest expense to average assets | 1.4105% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.5330% | 741 |
| Return on assets (ROA) | 1.5293% | 810 |
| Pretax return on assets | 1.5293% | 1,246 |
| Return on Equity (ROE) | 5.5794% | 3,718 |
| Retained earnings to average equity (ytd only) | 0.7362% | 4,307 |
| Net charge-offs to loans | -0.2608% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9197% | 4,635 |
| Assets per employee ($millions) | 11.7831% | 335 |
| Cash dividends to net income (ytd only)* | 86.8056% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1784% | 125 |
| Loan loss allowance to noncurrent loans | 71.9054% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.2805% | 635 |
| Noncurrent loans to loans | 4.4203% | 116 |
| Net loans and leases to total assets | 27.6427% | 4,798 |
| Net loans and leases to deposits | 37.8078% | 4,704 |
| Net loans and leases to core deposits | 43.9790% | 4,599 |
| Total domestic deposits to total assets | 73.1138% | 4,676 |
| Equity capital to assets | 26.7947% | 80 |
| Core capital (leverage) ratio | 24.3561% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.9383% | 48 |
| Memoranda: | ||
| Average total assets | $301,312,400 | 2,289 |
| Average earning assets | $293,284,600 | 2,217 |
| Average equity | $82,589,600 | 1,124 |
| Average total loans | $90,506,000 | 3,392 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 4,132 |
| Cost of funding earning assets | 0.6235% | 2,473 |
| Net interest margin | 2.9195% | 4,145 |
| Noninterest income to average assets | 0.1391% | 4,605 |
| Noninterest expense to average assets | 1.3683% | 4,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6097% | 711 |
| Return on assets (ROA) | 1.6048% | 789 |
| Pretax return on assets | 1.6048% | 1,172 |
| Return on Equity (ROE) | 5.8198% | 3,614 |
| Retained earnings to average equity (ytd only) | 0.9374% | 4,273 |
| Net charge-offs to loans | -0.4468% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9464% | 4,714 |
| Assets per employee ($millions) | 10.2759% | 464 |
| Cash dividends to net income (ytd only)* | 83.8926% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1847% | 119 |
| Loan loss allowance to noncurrent loans | 64.2314% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 559 |
| Noncurrent loans to loans | 4.9582% | 111 |
| Net loans and leases to total assets | 29.1302% | 4,843 |
| Net loans and leases to deposits | 40.1732% | 4,743 |
| Net loans and leases to core deposits | 46.2883% | 4,659 |
| Total domestic deposits to total assets | 72.5115% | 4,669 |
| Equity capital to assets | 27.3396% | 76 |
| Core capital (leverage) ratio | 23.5760% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.7178% | 51 |
| Memoranda: | ||
| Average total assets | $297,104,250 | 2,294 |
| Average earning assets | $288,901,750 | 2,223 |
| Average equity | $81,925,500 | 1,124 |
| Average total loans | $90,424,750 | 3,405 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 4,285 |
| Cost of funding earning assets | 0.6450% | 2,728 |
| Net interest margin | 2.9404% | 4,241 |
| Noninterest income to average assets | 0.1432% | 4,592 |
| Noninterest expense to average assets | 1.4118% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6061% | 753 |
| Return on assets (ROA) | 1.5986% | 832 |
| Pretax return on assets | 1.5986% | 1,227 |
| Return on Equity (ROE) | 5.7801% | 3,587 |
| Retained earnings to average equity (ytd only) | 0.8504% | 4,127 |
| Net charge-offs to loans | -0.6447% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7811% | 4,687 |
| Assets per employee ($millions) | 10.0385% | 494 |
| Cash dividends to net income (ytd only)* | 85.2878% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2342% | 114 |
| Loan loss allowance to noncurrent loans | 55.5997% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.7552% | 470 |
| Noncurrent loans to loans | 5.8170% | 76 |
| Net loans and leases to total assets | 29.1985% | 4,873 |
| Net loans and leases to deposits | 40.5161% | 4,784 |
| Net loans and leases to core deposits | 46.9612% | 4,687 |
| Total domestic deposits to total assets | 72.0663% | 4,702 |
| Equity capital to assets | 27.7969% | 74 |
| Core capital (leverage) ratio | 25.4575% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.0435% | 48 |
| Memoranda: | ||
| Average total assets | $293,379,667 | 2,291 |
| Average earning assets | $286,835,000 | 2,212 |
| Average equity | $81,140,000 | 1,126 |
| Average total loans | $89,647,667 | 3,417 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,269 |
| Cost of funding earning assets | 0.6720% | 3,048 |
| Net interest margin | 3.1031% | 4,089 |
| Noninterest income to average assets | 0.1534% | 4,606 |
| Noninterest expense to average assets | 1.4895% | 4,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.7009% | 515 |
| Return on assets (ROA) | 1.7009% | 565 |
| Pretax return on assets | 1.7009% | 854 |
| Return on Equity (ROE) | 6.1663% | 3,252 |
| Retained earnings to average equity (ytd only) | 1.1571% | 3,703 |
| Net charge-offs to loans | -1.2579% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6869% | 4,806 |
| Assets per employee ($millions) | 9.7781% | 412 |
| Cash dividends to net income (ytd only)* | 81.2348% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2753% | 113 |
| Loan loss allowance to noncurrent loans | 55.5009% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8003% | 507 |
| Noncurrent loans to loans | 5.9013% | 84 |
| Net loans and leases to total assets | 29.5074% | 4,914 |
| Net loans and leases to deposits | 40.9775% | 4,821 |
| Net loans and leases to core deposits | 47.7419% | 4,735 |
| Total domestic deposits to total assets | 72.0089% | 4,772 |
| Equity capital to assets | 27.8319% | 85 |
| Core capital (leverage) ratio | 26.3151% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.0297% | 50 |
| Memoranda: | ||
| Average total assets | $289,491,500 | 2,268 |
| Average earning assets | $283,334,000 | 2,182 |
| Average equity | $79,854,000 | 1,139 |
| Average total loans | $89,035,500 | 3,416 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,588 |
| Cost of funding earning assets | 0.6884% | 3,220 |
| Net interest margin | 3.0905% | 4,384 |
| Noninterest income to average assets | 0.1704% | 4,636 |
| Noninterest expense to average assets | 1.5338% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6410% | 754 |
| Return on assets (ROA) | 1.6618% | 770 |
| Pretax return on assets | 1.6618% | 1,298 |
| Return on Equity (ROE) | 6.2883% | 3,824 |
| Retained earnings to average equity (ytd only) | 0.9491% | 4,399 |
| Net charge-offs to loans | -0.8950% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3111% | 4,818 |
| Assets per employee ($millions) | 9.2142% | 468 |
| Cash dividends to net income (ytd only)* | 84.9077% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9916% | 128 |
| Loan loss allowance to noncurrent loans | 53.1169% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7466% | 518 |
| Noncurrent loans to loans | 5.6321% | 79 |
| Net loans and leases to total assets | 30.0840% | 4,968 |
| Net loans and leases to deposits | 41.4846% | 4,879 |
| Net loans and leases to core deposits | 48.2829% | 4,785 |
| Total domestic deposits to total assets | 72.5186% | 4,851 |
| Equity capital to assets | 27.3299% | 95 |
| Core capital (leverage) ratio | 26.1671% | 109 |
| Tier 1 risk-based capital ratio | 66.7683% | 74 |
| Total risk-based capital ratio | 68.0320% | 73 |
| Memoranda: | ||
| Average total assets | $283,484,000 | 2,261 |
| Average earning assets | $275,582,200 | 2,174 |
| Average equity | $74,916,600 | 1,154 |
| Average total loans | $85,472,200 | 3,490 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 4,925 |
| Cost of funding earning assets | 0.6826% | 3,292 |
| Net interest margin | 2.8616% | 4,793 |
| Noninterest income to average assets | 0.1550% | 4,773 |
| Noninterest expense to average assets | 1.5008% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4297% | 1,388 |
| Return on assets (ROA) | 1.4344% | 1,429 |
| Pretax return on assets | 1.4344% | 2,176 |
| Return on Equity (ROE) | 5.4750% | 4,197 |
| Retained earnings to average equity (ytd only) | 0.0791% | 4,742 |
| Net charge-offs to loans | 0.2267% | 780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 21.0689% | 1,928 |
| Efficiency ratio | 51.2140% | 4,658 |
| Assets per employee ($millions) | 9.6013% | 393 |
| Cash dividends to net income (ytd only)* | 98.5544% | 339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 447 |
| Loan loss allowance to noncurrent loans | 27.4763% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 2.2011% | 364 |
| Noncurrent loans to loans | 7.3547% | 50 |
| Net loans and leases to total assets | 29.3227% | 5,062 |
| Net loans and leases to deposits | 40.3500% | 4,987 |
| Net loans and leases to core deposits | 46.8047% | 4,903 |
| Total domestic deposits to total assets | 72.6708% | 4,886 |
| Equity capital to assets | 27.1025% | 99 |
| Core capital (leverage) ratio | 26.1710% | 110 |
| Tier 1 risk-based capital ratio | 64.4883% | 81 |
| Total risk-based capital ratio | 65.7412% | 81 |
| Memoranda: | ||
| Average total assets | $282,945,000 | 2,278 |
| Average earning assets | $274,427,750 | 2,196 |
| Average equity | $74,129,500 | 1,161 |
| Average total loans | $84,694,750 | 3,552 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5745% | 4,955 |
| Cost of funding earning assets | 0.6650% | 3,338 |
| Net interest margin | 2.9095% | 4,814 |
| Noninterest income to average assets | 0.1536% | 4,810 |
| Noninterest expense to average assets | 1.5090% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4635% | 1,250 |
| Return on assets (ROA) | 1.4578% | 1,328 |
| Pretax return on assets | 1.4578% | 2,004 |
| Return on Equity (ROE) | 5.6305% | 4,171 |
| Retained earnings to average equity (ytd only) | 0.1373% | 4,652 |
| Net charge-offs to loans | -0.0048% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7656% | 4,739 |
| Assets per employee ($millions) | 9.1183% | 444 |
| Cash dividends to net income (ytd only)* | 97.5610% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1964% | 334 |
| Loan loss allowance to noncurrent loans | 29.1294% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 2.3625% | 327 |
| Noncurrent loans to loans | 7.5403% | 48 |
| Net loans and leases to total assets | 29.7257% | 5,102 |
| Net loans and leases to deposits | 40.9213% | 5,033 |
| Net loans and leases to core deposits | 47.6162% | 4,919 |
| Total domestic deposits to total assets | 72.6410% | 4,931 |
| Equity capital to assets | 27.1396% | 97 |
| Core capital (leverage) ratio | 26.1888% | 104 |
| Tier 1 risk-based capital ratio | 64.6675% | 81 |
| Total risk-based capital ratio | 65.9220% | 80 |
| Memoranda: | ||
| Average total assets | $281,246,670 | 2,288 |
| Average earning assets | $272,482,330 | 2,211 |
| Average equity | $72,817,330 | 1,176 |
| Average total loans | $84,192,000 | 3,579 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 5,044 |
| Cost of funding earning assets | 0.6118% | 3,503 |
| Net interest margin | 2.8970% | 4,880 |
| Noninterest income to average assets | 0.1554% | 4,811 |
| Noninterest expense to average assets | 1.5827% | 5,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3816% | 1,429 |
| Return on assets (ROA) | 1.3702% | 1,498 |
| Pretax return on assets | 1.3702% | 2,192 |
| Return on Equity (ROE) | 5.4241% | 4,208 |
| Retained earnings to average equity (ytd only) | -0.2201% | 4,564 |
| Net charge-offs to loans | 0.1488% | 878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 31.2581% | 1,310 |
| Efficiency ratio | 53.3911% | 4,589 |
| Assets per employee ($millions) | 9.3572% | 416 |
| Cash dividends to net income (ytd only)* | 104.0583% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 344 |
| Loan loss allowance to noncurrent loans | 26.0241% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 2.5392% | 300 |
| Noncurrent loans to loans | 8.5472% | 37 |
| Net loans and leases to total assets | 29.0474% | 5,162 |
| Net loans and leases to deposits | 39.4402% | 5,086 |
| Net loans and leases to core deposits | 45.5163% | 5,007 |
| Total domestic deposits to total assets | 73.6493% | 4,957 |
| Equity capital to assets | 26.2357% | 101 |
| Core capital (leverage) ratio | 26.0757% | 99 |
| Tier 1 risk-based capital ratio | 66.6059% | 71 |
| Total risk-based capital ratio | 67.8613% | 70 |
| Memoranda: | ||
| Average total assets | $280,536,000 | 2,310 |
| Average earning assets | $272,001,000 | 2,225 |
| Average equity | $70,868,500 | 1,197 |
| Average total loans | $83,332,000 | 3,626 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5341% | 4,880 |
| Cost of funding earning assets | 0.4945% | 3,393 |
| Net interest margin | 3.0395% | 4,751 |
| Noninterest income to average assets | 0.1695% | 4,879 |
| Noninterest expense to average assets | 1.4685% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6452% | 781 |
| Return on assets (ROA) | 1.6791% | 720 |
| Pretax return on assets | 1.6791% | 1,220 |
| Return on Equity (ROE) | 6.9511% | 3,845 |
| Retained earnings to average equity (ytd only) | 3.2180% | 3,793 |
| Net charge-offs to loans | 0.0354% | 2,695 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 162.8929% | 529 |
| Efficiency ratio | 47.1617% | 5,079 |
| Assets per employee ($millions) | 9.3452% | 416 |
| Cash dividends to net income (ytd only)* | 53.7057% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 297 |
| Loan loss allowance to noncurrent loans | 25.5940% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 2.6270% | 274 |
| Noncurrent loans to loans | 8.8449% | 34 |
| Net loans and leases to total assets | 29.0286% | 5,217 |
| Net loans and leases to deposits | 38.4270% | 5,147 |
| Net loans and leases to core deposits | 43.9806% | 5,077 |
| Total domestic deposits to total assets | 75.5421% | 4,806 |
| Equity capital to assets | 24.2867% | 120 |
| Core capital (leverage) ratio | 25.6682% | 104 |
| Tier 1 risk-based capital ratio | 65.6582% | 75 |
| Total risk-based capital ratio | 66.9131% | 75 |
| Memoranda: | ||
| Average total assets | $277,224,000 | 2,284 |
| Average earning assets | $268,530,000 | 2,206 |
| Average equity | $66,967,600 | 1,209 |
| Average total loans | $79,048,000 | 3,684 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 4,933 |
| Cost of funding earning assets | 0.4742% | 3,365 |
| Net interest margin | 3.0171% | 4,825 |
| Noninterest income to average assets | 0.1727% | 4,921 |
| Noninterest expense to average assets | 1.4320% | 5,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6620% | 812 |
| Return on assets (ROA) | 1.7074% | 737 |
| Pretax return on assets | 1.7074% | 1,265 |
| Return on Equity (ROE) | 7.0776% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.0786% | 3,734 |
| Net charge-offs to loans | 0.0308% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 191.4396% | 451 |
| Efficiency ratio | 46.2822% | 5,137 |
| Assets per employee ($millions) | 9.8127% | 352 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 286 |
| Loan loss allowance to noncurrent loans | 25.8527% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 2.6678% | 307 |
| Noncurrent loans to loans | 9.1093% | 36 |
| Net loans and leases to total assets | 28.5970% | 5,299 |
| Net loans and leases to deposits | 37.3816% | 5,252 |
| Net loans and leases to core deposits | 42.6922% | 5,186 |
| Total domestic deposits to total assets | 76.5002% | 4,728 |
| Equity capital to assets | 23.4011% | 135 |
| Core capital (leverage) ratio | 25.8738% | 97 |
| Tier 1 risk-based capital ratio | 66.4887% | 72 |
| Total risk-based capital ratio | 67.7441% | 71 |
| Memoranda: | ||
| Average total assets | $276,441,250 | 2,302 |
| Average earning assets | $267,667,750 | 2,225 |
| Average equity | $66,687,250 | 1,207 |
| Average total loans | $77,993,000 | 3,736 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4740% | 4,952 |
| Cost of funding earning assets | 0.4601% | 3,282 |
| Net interest margin | 3.0139% | 4,859 |
| Noninterest income to average assets | 0.1740% | 4,951 |
| Noninterest expense to average assets | 1.4195% | 5,382 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6679% | 777 |
| Return on assets (ROA) | 1.7357% | 673 |
| Pretax return on assets | 1.7357% | 1,125 |
| Return on Equity (ROE) | 7.1246% | 3,862 |
| Retained earnings to average equity (ytd only) | 4.1610% | 3,531 |
| Net charge-offs to loans | 0.0570% | 1,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 677 |
| Efficiency ratio | 45.9775% | 5,209 |
| Assets per employee ($millions) | 9.8312% | 335 |
| Cash dividends to net income (ytd only)* | 41.5973% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4183% | 270 |
| Loan loss allowance to noncurrent loans | 28.9522% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.3715% | 381 |
| Noncurrent loans to loans | 8.3528% | 41 |
| Net loans and leases to total assets | 27.7044% | 5,362 |
| Net loans and leases to deposits | 36.5486% | 5,316 |
| Net loans and leases to core deposits | 41.6806% | 5,247 |
| Total domestic deposits to total assets | 75.8016% | 4,871 |
| Equity capital to assets | 24.1240% | 125 |
| Core capital (leverage) ratio | 25.7966% | 98 |
| Tier 1 risk-based capital ratio | 68.1876% | 72 |
| Total risk-based capital ratio | 69.4440% | 72 |
| Memoranda: | ||
| Average total assets | $277,003,000 | 2,304 |
| Average earning assets | $267,759,000 | 2,223 |
| Average equity | $67,484,330 | 1,194 |
| Average total loans | $77,168,330 | 3,772 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4554% | 4,941 |
| Cost of funding earning assets | 0.4481% | 3,211 |
| Net interest margin | 3.0073% | 4,871 |
| Noninterest income to average assets | 0.1857% | 4,914 |
| Noninterest expense to average assets | 1.5374% | 5,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.5561% | 945 |
| Return on assets (ROA) | 1.5489% | 962 |
| Pretax return on assets | 1.5489% | 1,531 |
| Return on Equity (ROE) | 6.3273% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.3871% | 3,855 |
| Net charge-offs to loans | 0.1356% | 995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 41.5769% | 1,048 |
| Efficiency ratio | 49.6975% | 5,100 |
| Assets per employee ($millions) | 9.8114% | 346 |
| Cash dividends to net income (ytd only)* | 46.4684% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4810% | 256 |
| Loan loss allowance to noncurrent loans | 28.7258% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 2.3912% | 402 |
| Noncurrent loans to loans | 8.6367% | 41 |
| Net loans and leases to total assets | 26.9992% | 5,423 |
| Net loans and leases to deposits | 35.6432% | 5,365 |
| Net loans and leases to core deposits | 40.7310% | 5,293 |
| Total domestic deposits to total assets | 75.7487% | 4,985 |
| Equity capital to assets | 24.1702% | 116 |
| Core capital (leverage) ratio | 25.7793% | 99 |
| Tier 1 risk-based capital ratio | 68.7994% | 64 |
| Total risk-based capital ratio | 70.0557% | 63 |
| Memoranda: | ||
| Average total assets | $277,867,500 | 2,320 |
| Average earning assets | $268,678,000 | 2,235 |
| Average equity | $68,023,000 | 1,197 |
| Average total loans | $76,676,000 | 3,814 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 4,864 |
| Cost of funding earning assets | 0.4510% | 2,767 |
| Net interest margin | 2.9985% | 4,891 |
| Noninterest income to average assets | 0.1574% | 5,176 |
| Noninterest expense to average assets | 1.4074% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6366% | 604 |
| Return on assets (ROA) | 1.6573% | 593 |
| Pretax return on assets | 1.6573% | 1,128 |
| Return on Equity (ROE) | 6.7971% | 3,382 |
| Retained earnings to average equity (ytd only) | 3.8686% | 2,887 |
| Net charge-offs to loans | 0.3973% | 628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.7871% | 2,303 |
| Efficiency ratio | 46.2350% | 5,390 |
| Assets per employee ($millions) | 9.6902% | 356 |
| Cash dividends to net income (ytd only)* | 43.0849% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 252 |
| Loan loss allowance to noncurrent loans | 28.2051% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.4148% | 399 |
| Noncurrent loans to loans | 8.7796% | 34 |
| Net loans and leases to total assets | 26.8237% | 5,493 |
| Net loans and leases to deposits | 35.6976% | 5,436 |
| Net loans and leases to core deposits | 40.5628% | 5,372 |
| Total domestic deposits to total assets | 75.1416% | 5,079 |
| Equity capital to assets | 24.7836% | 101 |
| Core capital (leverage) ratio | 24.9079% | 101 |
| Tier 1 risk-based capital ratio | 67.0314% | 67 |
| Total risk-based capital ratio | 68.2881% | 65 |
| Memoranda: | ||
| Average total assets | $280,091,600 | 2,288 |
| Average earning assets | $269,631,000 | 2,211 |
| Average equity | $68,293,600 | 1,171 |
| Average total loans | $78,025,000 | 3,788 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4593% | 4,885 |
| Cost of funding earning assets | 0.4477% | 2,737 |
| Net interest margin | 3.0116% | 4,889 |
| Noninterest income to average assets | 0.1572% | 5,230 |
| Noninterest expense to average assets | 1.3726% | 5,584 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6789% | 604 |
| Return on assets (ROA) | 1.7065% | 585 |
| Pretax return on assets | 1.7065% | 1,105 |
| Return on Equity (ROE) | 7.0280% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.0849% | 3,489 |
| Net charge-offs to loans | 0.0102% | 3,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 587.3188% | 175 |
| Efficiency ratio | 44.9805% | 5,454 |
| Assets per employee ($millions) | 9.8921% | 325 |
| Cash dividends to net income (ytd only)* | 41.8761% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7985% | 184 |
| Loan loss allowance to noncurrent loans | 32.8739% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.3519% | 484 |
| Noncurrent loans to loans | 8.5129% | 38 |
| Net loans and leases to total assets | 26.8546% | 5,552 |
| Net loans and leases to deposits | 35.7515% | 5,499 |
| Net loans and leases to core deposits | 40.6096% | 5,449 |
| Total domestic deposits to total assets | 75.1146% | 5,117 |
| Equity capital to assets | 24.8080% | 107 |
| Core capital (leverage) ratio | 24.9164% | 100 |
| Tier 1 risk-based capital ratio | 66.9466% | 71 |
| Total risk-based capital ratio | 68.2070% | 68 |
| Memoranda: | ||
| Average total assets | $279,860,500 | 2,303 |
| Average earning assets | $268,951,250 | 2,230 |
| Average equity | $67,955,500 | 1,181 |
| Average total loans | $78,208,000 | 3,817 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 4,854 |
| Cost of funding earning assets | 0.4445% | 2,653 |
| Net interest margin | 3.0150% | 4,876 |
| Noninterest income to average assets | 0.1585% | 5,257 |
| Noninterest expense to average assets | 1.3685% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6935% | 571 |
| Return on assets (ROA) | 1.6935% | 580 |
| Pretax return on assets | 1.6935% | 1,071 |
| Return on Equity (ROE) | 7.0270% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.0368% | 3,311 |
| Net charge-offs to loans | -0.0077% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6929% | 5,503 |
| Assets per employee ($millions) | 9.6991% | 332 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8256% | 196 |
| Loan loss allowance to noncurrent loans | 33.5089% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 2.3628% | 485 |
| Noncurrent loans to loans | 8.4325% | 40 |
| Net loans and leases to total assets | 27.2285% | 5,584 |
| Net loans and leases to deposits | 36.4466% | 5,529 |
| Net loans and leases to core deposits | 41.4288% | 5,458 |
| Total domestic deposits to total assets | 74.7080% | 5,234 |
| Equity capital to assets | 25.2212% | 96 |
| Core capital (leverage) ratio | 24.7787% | 100 |
| Tier 1 risk-based capital ratio | 67.2921% | 67 |
| Total risk-based capital ratio | 68.5529% | 67 |
| Memoranda: | ||
| Average total assets | $277,523,670 | 2,325 |
| Average earning assets | $267,268,000 | 2,254 |
| Average equity | $66,885,000 | 1,199 |
| Average total loans | $77,858,670 | 3,837 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4870% | 4,728 |
| Cost of funding earning assets | 0.4410% | 2,605 |
| Net interest margin | 3.0461% | 4,798 |
| Noninterest income to average assets | 0.1596% | 5,320 |
| Noninterest expense to average assets | 1.4381% | 5,671 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6586% | 597 |
| Return on assets (ROA) | 1.6586% | 610 |
| Pretax return on assets | 1.6586% | 1,098 |
| Return on Equity (ROE) | 7.0494% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.9656% | 3,463 |
| Net charge-offs to loans | 0.0672% | 1,658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 87.9231% | 609 |
| Efficiency ratio | 46.4386% | 5,514 |
| Assets per employee ($millions) | 9.9064% | 315 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8837% | 201 |
| Loan loss allowance to noncurrent loans | 34.0678% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 2.3398% | 518 |
| Noncurrent loans to loans | 8.4645% | 53 |
| Net loans and leases to total assets | 26.8449% | 5,657 |
| Net loans and leases to deposits | 35.2969% | 5,597 |
| Net loans and leases to core deposits | 40.0202% | 5,521 |
| Total domestic deposits to total assets | 76.0544% | 5,224 |
| Equity capital to assets | 23.8681% | 119 |
| Core capital (leverage) ratio | 24.7537% | 101 |
| Tier 1 risk-based capital ratio | 67.5753% | 70 |
| Total risk-based capital ratio | 68.8367% | 70 |
| Memoranda: | ||
| Average total assets | $275,648,000 | 2,358 |
| Average earning assets | $265,784,500 | 2,274 |
| Average equity | $64,857,000 | 1,229 |
| Average total loans | $77,381,000 | 3,872 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 4,844 |
| Cost of funding earning assets | 0.4600% | 2,444 |
| Net interest margin | 3.0090% | 4,941 |
| Noninterest income to average assets | 0.1830% | 5,306 |
| Noninterest expense to average assets | 1.4293% | 5,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6513% | 610 |
| Return on assets (ROA) | 1.7453% | 517 |
| Pretax return on assets | 1.7453% | 903 |
| Return on Equity (ROE) | 7.0367% | 3,449 |
| Retained earnings to average equity (ytd only) | 3.0730% | 3,712 |
| Net charge-offs to loans | -0.5854% | 5,843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3967% | 5,629 |
| Assets per employee ($millions) | 9.7828% | 329 |
| Cash dividends to net income (ytd only)* | 56.3294% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8468% | 209 |
| Loan loss allowance to noncurrent loans | 34.3267% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 2.3642% | 522 |
| Noncurrent loans to loans | 8.2931% | 49 |
| Net loans and leases to total assets | 27.6967% | 5,688 |
| Net loans and leases to deposits | 36.1057% | 5,636 |
| Net loans and leases to core deposits | 41.1011% | 5,569 |
| Total domestic deposits to total assets | 76.7101% | 5,153 |
| Equity capital to assets | 23.1855% | 124 |
| Core capital (leverage) ratio | 24.4783% | 106 |
| Tier 1 risk-based capital ratio | 67.0571% | 65 |
| Total risk-based capital ratio | 68.3187% | 66 |
| Memoranda: | ||
| Average total assets | $279,721,200 | 2,286 |
| Average earning assets | $269,354,800 | 2,216 |
| Average equity | $69,378,800 | 1,133 |
| Average total loans | $77,900,000 | 3,851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 4,893 |
| Cost of funding earning assets | 0.4601% | 2,458 |
| Net interest margin | 3.0094% | 4,997 |
| Noninterest income to average assets | 0.1783% | 5,387 |
| Noninterest expense to average assets | 1.3903% | 5,822 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6815% | 615 |
| Return on assets (ROA) | 1.8128% | 501 |
| Pretax return on assets | 1.8128% | 877 |
| Return on Equity (ROE) | 7.1947% | 3,450 |
| Retained earnings to average equity (ytd only) | 3.9013% | 3,527 |
| Net charge-offs to loans | -0.8220% | 5,914 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2609% | 5,701 |
| Assets per employee ($millions) | 9.7816% | 319 |
| Cash dividends to net income (ytd only)* | 45.7756% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8663% | 221 |
| Loan loss allowance to noncurrent loans | 34.7618% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 2.2787% | 634 |
| Noncurrent loans to loans | 8.2454% | 56 |
| Net loans and leases to total assets | 26.8442% | 5,780 |
| Net loans and leases to deposits | 36.2328% | 5,721 |
| Net loans and leases to core deposits | 41.2433% | 5,652 |
| Total domestic deposits to total assets | 74.0879% | 5,426 |
| Equity capital to assets | 25.8320% | 93 |
| Core capital (leverage) ratio | 24.6436% | 105 |
| Tier 1 risk-based capital ratio | 67.2544% | 68 |
| Total risk-based capital ratio | 68.5159% | 68 |
| Memoranda: | ||
| Average total assets | $281,172,250 | 2,286 |
| Average earning assets | $270,345,250 | 2,213 |
| Average equity | $70,846,250 | 1,113 |
| Average total loans | $77,852,750 | 3,880 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4553% | 4,972 |
| Cost of funding earning assets | 0.4595% | 2,480 |
| Net interest margin | 2.9958% | 5,092 |
| Noninterest income to average assets | 0.1948% | 5,331 |
| Noninterest expense to average assets | 1.3740% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7044% | 573 |
| Return on assets (ROA) | 1.7828% | 515 |
| Pretax return on assets | 1.7828% | 916 |
| Return on Equity (ROE) | 7.1363% | 3,466 |
| Retained earnings to average equity (ytd only) | 3.5667% | 3,621 |
| Net charge-offs to loans | -1.2051% | 5,998 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6350% | 5,804 |
| Assets per employee ($millions) | 9.7313% | 309 |
| Cash dividends to net income (ytd only)* | 50.0200% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8987% | 223 |
| Loan loss allowance to noncurrent loans | 32.9403% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 2.4043% | 596 |
| Noncurrent loans to loans | 8.7999% | 49 |
| Net loans and leases to total assets | 26.5294% | 5,859 |
| Net loans and leases to deposits | 35.8549% | 5,790 |
| Net loans and leases to core deposits | 40.9077% | 5,712 |
| Total domestic deposits to total assets | 73.9908% | 5,521 |
| Equity capital to assets | 25.9337% | 87 |
| Core capital (leverage) ratio | 24.2306% | 104 |
| Tier 1 risk-based capital ratio | 66.4256% | 75 |
| Total risk-based capital ratio | 67.6878% | 75 |
| Memoranda: | ||
| Average total assets | $280,340,670 | 2,299 |
| Average earning assets | $269,844,000 | 2,231 |
| Average equity | $70,036,000 | 1,127 |
| Average total loans | $77,672,000 | 3,913 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 4,743 |
| Cost of funding earning assets | 0.4600% | 2,465 |
| Net interest margin | 3.0980% | 4,866 |
| Noninterest income to average assets | 0.1646% | 5,509 |
| Noninterest expense to average assets | 1.4516% | 5,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7022% | 574 |
| Return on assets (ROA) | 1.9341% | 400 |
| Pretax return on assets | 1.9341% | 652 |
| Return on Equity (ROE) | 7.8936% | 2,975 |
| Retained earnings to average equity (ytd only) | 4.9722% | 2,960 |
| Net charge-offs to loans | -0.0667% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0281% | 5,812 |
| Assets per employee ($millions) | 9.6901% | 314 |
| Cash dividends to net income (ytd only)* | 37.0096% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2980% | 511 |
| Loan loss allowance to noncurrent loans | 26.0768% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.4291% | 627 |
| Noncurrent loans to loans | 8.8123% | 56 |
| Net loans and leases to total assets | 26.9311% | 5,895 |
| Net loans and leases to deposits | 35.8089% | 5,833 |
| Net loans and leases to core deposits | 40.8423% | 5,752 |
| Total domestic deposits to total assets | 75.2079% | 5,498 |
| Equity capital to assets | 24.7102% | 97 |
| Core capital (leverage) ratio | 24.3416% | 101 |
| Tier 1 risk-based capital ratio | 65.2440% | 78 |
| Total risk-based capital ratio | 66.4999% | 77 |
| Memoranda: | ||
| Average total assets | $279,407,000 | 2,318 |
| Average earning assets | $269,590,000 | 2,245 |
| Average equity | $68,460,500 | 1,147 |
| Average total loans | $77,956,500 | 3,916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,484 |
| Cost of funding earning assets | 0.4959% | 2,191 |
| Net interest margin | 3.1661% | 4,731 |
| Noninterest income to average assets | 0.0966% | 5,885 |
| Noninterest expense to average assets | 1.4318% | 6,022 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.7007% | 576 |
| Return on assets (ROA) | 1.7706% | 524 |
| Pretax return on assets | 1.7706% | 850 |
| Return on Equity (ROE) | 7.4459% | 3,276 |
| Retained earnings to average equity (ytd only) | 4.0352% | 3,150 |
| Net charge-offs to loans | 0.0632% | 2,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 94.3600% | 609 |
| Efficiency ratio | 45.7077% | 5,936 |
| Assets per employee ($millions) | 9.2600% | 351 |
| Cash dividends to net income (ytd only)* | 45.8062% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 548 |
| Loan loss allowance to noncurrent loans | 24.9753% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 2.5468% | 603 |
| Noncurrent loans to loans | 9.0181% | 55 |
| Net loans and leases to total assets | 27.6047% | 5,950 |
| Net loans and leases to deposits | 36.5010% | 5,878 |
| Net loans and leases to core deposits | 41.5638% | 5,775 |
| Total domestic deposits to total assets | 75.6272% | 5,490 |
| Equity capital to assets | 24.2915% | 107 |
| Core capital (leverage) ratio | 23.7335% | 106 |
| Tier 1 risk-based capital ratio | 64.1875% | 79 |
| Total risk-based capital ratio | 65.4427% | 78 |
| Memoranda: | ||
| Average total assets | $277,417,600 | 2,292 |
| Average earning assets | $266,002,800 | 2,228 |
| Average equity | $65,969,400 | 1,147 |
| Average total loans | $79,129,800 | 3,855 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6779% | 4,486 |
| Cost of funding earning assets | 0.5002% | 2,206 |
| Net interest margin | 3.1778% | 4,750 |
| Noninterest income to average assets | 0.0856% | 6,005 |
| Noninterest expense to average assets | 1.4409% | 6,075 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6870% | 645 |
| Return on assets (ROA) | 1.6832% | 671 |
| Pretax return on assets | 1.6832% | 1,152 |
| Return on Equity (ROE) | 7.1166% | 3,559 |
| Retained earnings to average equity (ytd only) | 4.0675% | 3,565 |
| Net charge-offs to loans | 0.1059% | 2,073 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 55.6970% | 967 |
| Efficiency ratio | 46.0652% | 5,961 |
| Assets per employee ($millions) | 9.1961% | 350 |
| Cash dividends to net income (ytd only)* | 42.8449% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 631 |
| Loan loss allowance to noncurrent loans | 20.5362% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 3.1122% | 472 |
| Noncurrent loans to loans | 10.8646% | 34 |
| Net loans and leases to total assets | 27.8594% | 6,031 |
| Net loans and leases to deposits | 36.7574% | 5,963 |
| Net loans and leases to core deposits | 42.1085% | 5,849 |
| Total domestic deposits to total assets | 75.7925% | 5,520 |
| Equity capital to assets | 24.1208% | 112 |
| Core capital (leverage) ratio | 23.6854% | 110 |
| Tier 1 risk-based capital ratio | 64.0229% | 84 |
| Total risk-based capital ratio | 65.2788% | 83 |
| Memoranda: | ||
| Average total assets | $277,321,750 | 2,306 |
| Average earning assets | $265,504,750 | 2,248 |
| Average equity | $65,591,250 | 1,161 |
| Average total loans | $79,299,000 | 3,885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7301% | 4,315 |
| Cost of funding earning assets | 0.5021% | 2,232 |
| Net interest margin | 3.2280% | 4,569 |
| Noninterest income to average assets | 0.1656% | 5,709 |
| Noninterest expense to average assets | 1.4104% | 6,165 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8423% | 467 |
| Return on assets (ROA) | 1.8387% | 497 |
| Pretax return on assets | 1.8387% | 830 |
| Return on Equity (ROE) | 7.8256% | 3,150 |
| Retained earnings to average equity (ytd only) | 4.7615% | 3,017 |
| Net charge-offs to loans | 0.1836% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 35.0548% | 1,231 |
| Efficiency ratio | 43.3599% | 6,136 |
| Assets per employee ($millions) | 9.1619% | 349 |
| Cash dividends to net income (ytd only)* | 39.1543% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 748 |
| Loan loss allowance to noncurrent loans | 23.5294% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.9062% | 585 |
| Noncurrent loans to loans | 9.2910% | 63 |
| Net loans and leases to total assets | 28.3900% | 6,088 |
| Net loans and leases to deposits | 36.9302% | 6,004 |
| Net loans and leases to core deposits | 42.0937% | 5,892 |
| Total domestic deposits to total assets | 76.8749% | 5,475 |
| Equity capital to assets | 23.0425% | 125 |
| Core capital (leverage) ratio | 23.5463% | 110 |
| Tier 1 risk-based capital ratio | 62.5694% | 93 |
| Total risk-based capital ratio | 63.8244% | 93 |
| Memoranda: | ||
| Average total assets | $277,801,670 | 2,322 |
| Average earning assets | $265,673,330 | 2,263 |
| Average equity | $65,273,330 | 1,176 |
| Average total loans | $79,527,670 | 3,900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 4,619 |
| Cost of funding earning assets | 0.5051% | 2,239 |
| Net interest margin | 3.1173% | 4,895 |
| Noninterest income to average assets | 0.1590% | 5,785 |
| Noninterest expense to average assets | 1.3779% | 6,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7689% | 514 |
| Return on assets (ROA) | 1.7617% | 548 |
| Pretax return on assets | 1.7617% | 934 |
| Return on Equity (ROE) | 7.4272% | 3,259 |
| Retained earnings to average equity (ytd only) | 4.4080% | 3,381 |
| Net charge-offs to loans | 0.2871% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,372 |
| Efficiency ratio | 43.7870% | 6,186 |
| Assets per employee ($millions) | 9.3574% | 320 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 768 |
| Loan loss allowance to noncurrent loans | 21.5238% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 3.1084% | 588 |
| Noncurrent loans to loans | 10.3888% | 54 |
| Net loans and leases to total assets | 27.4115% | 6,156 |
| Net loans and leases to deposits | 36.1553% | 6,053 |
| Net loans and leases to core deposits | 41.3307% | 5,926 |
| Total domestic deposits to total assets | 75.8159% | 5,754 |
| Equity capital to assets | 24.0829% | 107 |
| Core capital (leverage) ratio | 23.3266% | 111 |
| Tier 1 risk-based capital ratio | 60.4889% | 106 |
| Total risk-based capital ratio | 61.7385% | 107 |
| Memoranda: | ||
| Average total assets | $279,274,000 | 2,317 |
| Average earning assets | $267,671,000 | 2,264 |
| Average equity | $66,243,000 | 1,159 |
| Average total loans | $79,403,500 | 3,915 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,080 |
| Cost of funding earning assets | 0.6121% | 1,663 |
| Net interest margin | 3.3016% | 4,555 |
| Noninterest income to average assets | 0.1504% | 5,943 |
| Noninterest expense to average assets | 1.3689% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.9458% | 360 |
| Return on assets (ROA) | 2.1279% | 260 |
| Pretax return on assets | 2.1279% | 382 |
| Return on Equity (ROE) | 10.2654% | 2,002 |
| Retained earnings to average equity (ytd only) | 6.7779% | 1,503 |
| Net charge-offs to loans | 0.4238% | 1,001 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.7859% | 2,060 |
| Efficiency ratio | 41.2977% | 6,377 |
| Assets per employee ($millions) | 9.2609% | 307 |
| Cash dividends to net income (ytd only)* | 33.9732% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2685% | 755 |
| Loan loss allowance to noncurrent loans | 23.4119% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 3.0026% | 671 |
| Noncurrent loans to loans | 9.6895% | 71 |
| Net loans and leases to total assets | 28.1759% | 6,230 |
| Net loans and leases to deposits | 36.8047% | 6,144 |
| Net loans and leases to core deposits | 41.8589% | 6,049 |
| Total domestic deposits to total assets | 76.5551% | 5,663 |
| Equity capital to assets | 23.3527% | 123 |
| Core capital (leverage) ratio | 22.6933% | 126 |
| Tier 1 risk-based capital ratio | 61.8818% | 86 |
| Total risk-based capital ratio | 63.1379% | 86 |
| Memoranda: | ||
| Average total assets | $276,651,800 | 2,307 |
| Average earning assets | $265,145,400 | 2,236 |
| Average equity | $57,348,200 | 1,276 |
| Average total loans | $80,463,000 | 3,860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,818 |
| Cost of funding earning assets | 0.6271% | 1,621 |
| Net interest margin | 3.3568% | 4,402 |
| Noninterest income to average assets | 0.1529% | 6,000 |
| Noninterest expense to average assets | 1.3649% | 6,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0085% | 339 |
| Return on assets (ROA) | 2.1802% | 252 |
| Pretax return on assets | 2.1802% | 379 |
| Return on Equity (ROE) | 10.8630% | 1,852 |
| Retained earnings to average equity (ytd only) | 7.2572% | 1,692 |
| Net charge-offs to loans | 0.0530% | 3,460 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 130.0804% | 459 |
| Efficiency ratio | 40.4605% | 6,445 |
| Assets per employee ($millions) | 9.2536% | 305 |
| Cash dividends to net income (ytd only)* | 33.1932% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6450% | 533 |
| Loan loss allowance to noncurrent loans | 24.5129% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 3.2524% | 685 |
| Noncurrent loans to loans | 10.7901% | 64 |
| Net loans and leases to total assets | 28.1884% | 6,315 |
| Net loans and leases to deposits | 36.2566% | 6,236 |
| Net loans and leases to core deposits | 41.4544% | 6,138 |
| Total domestic deposits to total assets | 77.7470% | 5,576 |
| Equity capital to assets | 22.1461% | 158 |
| Core capital (leverage) ratio | 22.3457% | 135 |
| Tier 1 risk-based capital ratio | 60.7089% | 89 |
| Total risk-based capital ratio | 61.9689% | 88 |
| Memoranda: | ||
| Average total assets | $276,358,250 | 2,324 |
| Average earning assets | $265,124,000 | 2,248 |
| Average equity | $55,465,250 | 1,318 |
| Average total loans | $80,554,500 | 3,887 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 4,048 |
| Cost of funding earning assets | 0.6397% | 1,591 |
| Net interest margin | 3.2815% | 4,663 |
| Noninterest income to average assets | 0.1508% | 6,052 |
| Noninterest expense to average assets | 1.3380% | 6,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9620% | 364 |
| Return on assets (ROA) | 2.1896% | 241 |
| Pretax return on assets | 2.1896% | 374 |
| Return on Equity (ROE) | 11.3018% | 1,629 |
| Retained earnings to average equity (ytd only) | 7.5607% | 1,495 |
| Net charge-offs to loans | 0.0323% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 208.2308% | 320 |
| Efficiency ratio | 40.5447% | 6,511 |
| Assets per employee ($millions) | 9.6685% | 258 |
| Cash dividends to net income (ytd only)* | 33.1016% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6617% | 560 |
| Loan loss allowance to noncurrent loans | 26.2610% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 3.0479% | 832 |
| Noncurrent loans to loans | 10.1355% | 77 |
| Net loans and leases to total assets | 27.9767% | 6,363 |
| Net loans and leases to deposits | 35.5662% | 6,305 |
| Net loans and leases to core deposits | 40.6976% | 6,199 |
| Total domestic deposits to total assets | 78.6609% | 5,522 |
| Equity capital to assets | 21.2378% | 169 |
| Core capital (leverage) ratio | 21.7843% | 136 |
| Tier 1 risk-based capital ratio | 59.4569% | 90 |
| Total risk-based capital ratio | 60.7167% | 89 |
| Memoranda: | ||
| Average total assets | $275,942,000 | 2,327 |
| Average earning assets | $264,815,670 | 2,246 |
| Average equity | $53,460,670 | 1,359 |
| Average total loans | $80,613,000 | 3,892 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,642 |
| Cost of funding earning assets | 0.6577% | 1,534 |
| Net interest margin | 3.3525% | 4,326 |
| Noninterest income to average assets | 0.1476% | 6,085 |
| Noninterest expense to average assets | 1.3298% | 6,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0357% | 319 |
| Return on assets (ROA) | 2.0357% | 331 |
| Pretax return on assets | 2.0357% | 498 |
| Return on Equity (ROE) | 11.0518% | 1,666 |
| Retained earnings to average equity (ytd only) | 7.0849% | 1,998 |
| Net charge-offs to loans | 0.1488% | 1,825 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 46.4333% | 798 |
| Efficiency ratio | 39.5137% | 6,599 |
| Assets per employee ($millions) | 9.5170% | 279 |
| Cash dividends to net income (ytd only)* | 35.8938% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6701% | 658 |
| Loan loss allowance to noncurrent loans | 25.6231% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.1197% | 889 |
| Noncurrent loans to loans | 10.4208% | 90 |
| Net loans and leases to total assets | 28.1052% | 6,410 |
| Net loans and leases to deposits | 34.8243% | 6,352 |
| Net loans and leases to core deposits | 39.8912% | 6,238 |
| Total domestic deposits to total assets | 80.7056% | 5,313 |
| Equity capital to assets | 19.1774% | 252 |
| Core capital (leverage) ratio | 21.4219% | 148 |
| Tier 1 risk-based capital ratio | 58.5060% | 94 |
| Total risk-based capital ratio | 59.7658% | 94 |
| Memoranda: | ||
| Average total assets | $273,719,500 | 2,352 |
| Average earning assets | $262,727,500 | 2,265 |
| Average equity | $50,417,000 | 1,437 |
| Average total loans | $80,625,500 | 3,913 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,852 |
| Cost of funding earning assets | 0.7342% | 1,603 |
| Net interest margin | 3.3338% | 4,537 |
| Noninterest income to average assets | 0.1479% | 6,206 |
| Noninterest expense to average assets | 1.1280% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.2113% | 241 |
| Return on assets (ROA) | 2.0386% | 317 |
| Pretax return on assets | 2.0386% | 438 |
| Return on Equity (ROE) | 10.1726% | 2,044 |
| Retained earnings to average equity (ytd only) | 2.9750% | 4,124 |
| Net charge-offs to loans | 0.0024% | 5,431 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3,162.0000% | 9 |
| Efficiency ratio | 33.7801% | 6,746 |
| Assets per employee ($millions) | 10.0536% | 224 |
| Cash dividends to net income (ytd only)* | 70.7547% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6461% | 701 |
| Loan loss allowance to noncurrent loans | 25.3912% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.2434% | 939 |
| Noncurrent loans to loans | 10.4212% | 102 |
| Net loans and leases to total assets | 29.2495% | 6,490 |
| Net loans and leases to deposits | 35.5697% | 6,437 |
| Net loans and leases to core deposits | 40.8964% | 6,334 |
| Total domestic deposits to total assets | 82.2315% | 4,799 |
| Equity capital to assets | 17.6484% | 339 |
| Core capital (leverage) ratio | 20.8965% | 161 |
| Tier 1 risk-based capital ratio | 57.1382% | 99 |
| Total risk-based capital ratio | 58.3985% | 97 |
| Memoranda: | ||
| Average total assets | $285,987,000 | 2,227 |
| Average earning assets | $273,770,400 | 2,152 |
| Average equity | $57,310,800 | 1,255 |
| Average total loans | $81,804,000 | 3,885 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,984 |
| Cost of funding earning assets | 0.7433% | 1,644 |
| Net interest margin | 3.2945% | 4,659 |
| Noninterest income to average assets | 0.1597% | 6,230 |
| Noninterest expense to average assets | 1.0561% | 6,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2539% | 236 |
| Return on assets (ROA) | 2.0187% | 364 |
| Pretax return on assets | 2.0187% | 556 |
| Return on Equity (ROE) | 9.7994% | 2,261 |
| Retained earnings to average equity (ytd only) | 1.6984% | 5,290 |
| Net charge-offs to loans | 0.0228% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 349.6433% | 169 |
| Efficiency ratio | 31.9054% | 6,820 |
| Assets per employee ($millions) | 10.1639% | 223 |
| Cash dividends to net income (ytd only)* | 82.6682% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6407% | 795 |
| Loan loss allowance to noncurrent loans | 24.1912% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 3.3601% | 1,032 |
| Noncurrent loans to loans | 10.9159% | 105 |
| Net loans and leases to total assets | 28.8317% | 6,571 |
| Net loans and leases to deposits | 34.9561% | 6,542 |
| Net loans and leases to core deposits | 40.1729% | 6,443 |
| Total domestic deposits to total assets | 82.4797% | 4,772 |
| Equity capital to assets | 17.3808% | 375 |
| Core capital (leverage) ratio | 20.4863% | 185 |
| Tier 1 risk-based capital ratio | 55.7166% | 107 |
| Total risk-based capital ratio | 56.9767% | 106 |
| Memoranda: | ||
| Average total assets | $289,622,000 | 2,221 |
| Average earning assets | $276,943,500 | 2,145 |
| Average equity | $59,662,000 | 1,218 |
| Average total loans | $81,866,250 | 3,919 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,966 |
| Cost of funding earning assets | 0.7400% | 1,770 |
| Net interest margin | 3.2986% | 4,584 |
| Noninterest income to average assets | 0.1473% | 6,311 |
| Noninterest expense to average assets | 1.0452% | 6,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2573% | 234 |
| Return on assets (ROA) | 2.6292% | 159 |
| Pretax return on assets | 2.6292% | 234 |
| Return on Equity (ROE) | 12.1728% | 1,436 |
| Retained earnings to average equity (ytd only) | 4.7101% | 3,256 |
| Net charge-offs to loans | -0.1925% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6482% | 6,869 |
| Assets per employee ($millions) | 9.7240% | 240 |
| Cash dividends to net income (ytd only)* | 61.3061% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7335% | 758 |
| Loan loss allowance to noncurrent loans | 24.5021% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 3.4050% | 1,142 |
| Noncurrent loans to loans | 11.1563% | 110 |
| Net loans and leases to total assets | 28.2523% | 6,626 |
| Net loans and leases to deposits | 34.9350% | 6,579 |
| Net loans and leases to core deposits | 40.0473% | 6,472 |
| Total domestic deposits to total assets | 80.8709% | 5,381 |
| Equity capital to assets | 18.9627% | 257 |
| Core capital (leverage) ratio | 20.5877% | 162 |
| Tier 1 risk-based capital ratio | 55.5682% | 104 |
| Total risk-based capital ratio | 56.8290% | 104 |
| Memoranda: | ||
| Average total assets | $294,688,000 | 2,198 |
| Average earning assets | $281,873,330 | 2,116 |
| Average equity | $63,650,330 | 1,151 |
| Average total loans | $82,066,000 | 3,925 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 4,082 |
| Cost of funding earning assets | 0.7330% | 1,975 |
| Net interest margin | 3.2757% | 4,611 |
| Noninterest income to average assets | 0.1488% | 6,359 |
| Noninterest expense to average assets | 1.0497% | 6,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.2403% | 226 |
| Return on assets (ROA) | 2.8050% | 126 |
| Pretax return on assets | 2.8050% | 187 |
| Return on Equity (ROE) | 12.2842% | 1,350 |
| Retained earnings to average equity (ytd only) | 6.4651% | 2,424 |
| Net charge-offs to loans | -0.1023% | 6,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9063% | 6,950 |
| Assets per employee ($millions) | 10.3499% | 200 |
| Cash dividends to net income (ytd only)* | 47.3709% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6866% | 930 |
| Loan loss allowance to noncurrent loans | 26.8299% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 2.8249% | 1,599 |
| Noncurrent loans to loans | 10.0133% | 208 |
| Net loans and leases to total assets | 26.3207% | 6,720 |
| Net loans and leases to deposits | 34.0654% | 6,635 |
| Net loans and leases to core deposits | 38.8769% | 6,529 |
| Total domestic deposits to total assets | 77.2652% | 6,218 |
| Equity capital to assets | 22.5935% | 135 |
| Core capital (leverage) ratio | 18.9961% | 239 |
| Tier 1 risk-based capital ratio | 55.0457% | 111 |
| Total risk-based capital ratio | 56.3057% | 109 |
| Memoranda: | ||
| Average total assets | $301,034,500 | 2,182 |
| Average earning assets | $288,673,000 | 2,092 |
| Average equity | $68,738,500 | 1,059 |
| Average total loans | $82,144,500 | 3,956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 4,718 |
| Cost of funding earning assets | 0.9180% | 1,832 |
| Net interest margin | 3.2453% | 5,442 |
| Noninterest income to average assets | 0.1547% | 6,262 |
| Noninterest expense to average assets | 1.0531% | 7,002 |
| Loan and lease loss provision to assets | 0.2943% | 2,324 |
| Net operating income to assets | 1.8732% | 452 |
| Return on assets (ROA) | 2.8772% | 111 |
| Pretax return on assets | 2.8772% | 158 |
| Return on Equity (ROE) | 12.4885% | 1,363 |
| Retained earnings to average equity (ytd only) | 3.4726% | 3,775 |
| Net charge-offs to loans | 1.1468% | 901 |
| Credit loss provision to net charge-offs | 86.0324% | 3,627 |
| Earnings coverage of net charge-offs (x) | 6.3370% | 2,826 |
| Efficiency ratio | 32.6991% | 7,010 |
| Assets per employee ($millions) | 10.7829% | 187 |
| Cash dividends to net income (ytd only)* | 72.1935% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5991% | 1,018 |
| Loan loss allowance to noncurrent loans | 25.3491% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 2.9385% | 1,617 |
| Noncurrent loans to loans | 10.2530% | 222 |
| Net loans and leases to total assets | 26.8107% | 6,791 |
| Net loans and leases to deposits | 34.9117% | 6,711 |
| Net loans and leases to core deposits | 39.8834% | 6,621 |
| Total domestic deposits to total assets | 76.7956% | 6,253 |
| Equity capital to assets | 23.0733% | 125 |
| Core capital (leverage) ratio | 20.0855% | 192 |
| Tier 1 risk-based capital ratio | 53.7854% | 123 |
| Total risk-based capital ratio | 55.0448% | 121 |
| Memoranda: | ||
| Average total assets | $288,860,600 | 2,214 |
| Average earning assets | $272,889,400 | 2,139 |
| Average equity | $66,549,000 | 1,062 |
| Average total loans | $86,152,600 | 3,840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 4,640 |
| Cost of funding earning assets | 0.9387% | 1,931 |
| Net interest margin | 3.3136% | 5,342 |
| Noninterest income to average assets | 0.1550% | 6,375 |
| Noninterest expense to average assets | 1.0033% | 7,116 |
| Loan and lease loss provision to assets | 0.0934% | 4,424 |
| Net operating income to assets | 2.1797% | 294 |
| Return on assets (ROA) | 3.5326% | 74 |
| Pretax return on assets | 3.5326% | 99 |
| Return on Equity (ROE) | 15.3398% | 840 |
| Retained earnings to average equity (ytd only) | 7.2310% | 1,996 |
| Net charge-offs to loans | 1.5402% | 553 |
| Credit loss provision to net charge-offs | 19.9203% | 4,954 |
| Earnings coverage of net charge-offs (x) | 4.8496% | 3,186 |
| Efficiency ratio | 30.6213% | 7,119 |
| Assets per employee ($millions) | 10.9889% | 180 |
| Cash dividends to net income (ytd only)* | 52.8611% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7472% | 2,975 |
| Loan loss allowance to noncurrent loans | 17.7857% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 2.8463% | 1,847 |
| Noncurrent loans to loans | 9.8236% | 256 |
| Net loans and leases to total assets | 28.3162% | 6,869 |
| Net loans and leases to deposits | 37.1415% | 6,780 |
| Net loans and leases to core deposits | 42.3048% | 6,662 |
| Total domestic deposits to total assets | 76.2389% | 6,350 |
| Equity capital to assets | 23.6051% | 123 |
| Core capital (leverage) ratio | 20.9950% | 172 |
| Tier 1 risk-based capital ratio | 54.4428% | 119 |
| Total risk-based capital ratio | 55.6942% | 118 |
| Memoranda: | ||
| Average total assets | $285,595,500 | 2,259 |
| Average earning assets | $269,024,500 | 2,188 |
| Average equity | $65,770,500 | 1,080 |
| Average total loans | $86,914,000 | 3,863 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 4,648 |
| Cost of funding earning assets | 0.9581% | 2,010 |
| Net interest margin | 3.3220% | 5,383 |
| Noninterest income to average assets | 0.1596% | 6,391 |
| Noninterest expense to average assets | 1.0209% | 7,182 |
| Loan and lease loss provision to assets | 0.1419% | 3,745 |
| Net operating income to assets | 2.1285% | 315 |
| Return on assets (ROA) | 2.8479% | 121 |
| Pretax return on assets | 2.8479% | 184 |
| Return on Equity (ROE) | 12.4758% | 1,511 |
| Retained earnings to average equity (ytd only) | 5.4826% | 2,997 |
| Net charge-offs to loans | 1.0506% | 1,045 |
| Credit loss provision to net charge-offs | 43.5730% | 4,179 |
| Earnings coverage of net charge-offs (x) | 6.9717% | 2,547 |
| Efficiency ratio | 31.0196% | 7,172 |
| Assets per employee ($millions) | 11.0402% | 175 |
| Cash dividends to net income (ytd only)* | 56.0538% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3635% | 1,474 |
| Loan loss allowance to noncurrent loans | 21.5130% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 3.3176% | 1,630 |
| Noncurrent loans to loans | 10.9862% | 216 |
| Net loans and leases to total assets | 29.3448% | 6,890 |
| Net loans and leases to deposits | 38.4266% | 6,786 |
| Net loans and leases to core deposits | 43.9331% | 6,664 |
| Total domestic deposits to total assets | 76.3658% | 6,411 |
| Equity capital to assets | 23.4837% | 123 |
| Core capital (leverage) ratio | 20.1501% | 197 |
| Tier 1 risk-based capital ratio | 53.8526% | 117 |
| Total risk-based capital ratio | 55.1105% | 115 |
| Memoranda: | ||
| Average total assets | $281,894,330 | 2,289 |
| Average earning assets | $265,741,330 | 2,217 |
| Average equity | $64,348,670 | 1,099 |
| Average total loans | $87,382,670 | 3,871 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3782% | 4,414 |
| Cost of funding earning assets | 0.9914% | 2,029 |
| Net interest margin | 3.3868% | 5,172 |
| Noninterest income to average assets | 0.1747% | 6,329 |
| Noninterest expense to average assets | 1.0067% | 7,255 |
| Loan and lease loss provision to assets | 0.2148% | 2,803 |
| Net operating income to assets | 2.1381% | 325 |
| Return on assets (ROA) | 2.9758% | 131 |
| Pretax return on assets | 2.9758% | 190 |
| Return on Equity (ROE) | 13.2318% | 1,339 |
| Retained earnings to average equity (ytd only) | 6.8642% | 2,494 |
| Net charge-offs to loans | 2.1697% | 414 |
| Credit loss provision to net charge-offs | 31.4465% | 3,601 |
| Earnings coverage of net charge-offs (x) | 3.4444% | 2,838 |
| Efficiency ratio | 29.9659% | 7,237 |
| Assets per employee ($millions) | 10.9316% | 186 |
| Cash dividends to net income (ytd only)* | 48.1232% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2616% | 1,757 |
| Loan loss allowance to noncurrent loans | 21.1526% | 6,527 |
| Noncurrent assets plus other real estate owned to assets | 3.2943% | 1,754 |
| Noncurrent loans to loans | 10.6917% | 264 |
| Net loans and leases to total assets | 29.9699% | 6,909 |
| Net loans and leases to deposits | 38.7551% | 6,794 |
| Net loans and leases to core deposits | 44.1886% | 6,645 |
| Total domestic deposits to total assets | 77.3315% | 6,352 |
| Equity capital to assets | 22.5113% | 136 |
| Core capital (leverage) ratio | 20.2725% | 189 |
| Tier 1 risk-based capital ratio | 52.8741% | 117 |
| Total risk-based capital ratio | 54.1315% | 116 |
| Memoranda: | ||
| Average total assets | $279,318,500 | 2,319 |
| Average earning assets | $262,665,500 | 2,254 |
| Average equity | $62,818,500 | 1,131 |
| Average total loans | $87,938,000 | 3,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 4,276 |
| Cost of funding earning assets | 1.1511% | 2,349 |
| Net interest margin | 3.5413% | 4,978 |
| Noninterest income to average assets | 0.1336% | 6,486 |
| Noninterest expense to average assets | 1.0796% | 7,284 |
| Loan and lease loss provision to assets | 0.2283% | 3,914 |
| Net operating income to assets | 2.1679% | 240 |
| Return on assets (ROA) | 2.2703% | 212 |
| Pretax return on assets | 2.2703% | 321 |
| Return on Equity (ROE) | 10.5888% | 1,845 |
| Retained earnings to average equity (ytd only) | 4.1549% | 3,225 |
| Net charge-offs to loans | 0.0826% | 5,498 |
| Credit loss provision to net charge-offs | 800.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 83.9600% | 350 |
| Efficiency ratio | 31.0598% | 7,290 |
| Assets per employee ($millions) | 9.8005% | 254 |
| Cash dividends to net income (ytd only)* | 60.7610% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5901% | 1,208 |
| Loan loss allowance to noncurrent loans | 24.7496% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 3.4000% | 1,744 |
| Noncurrent loans to loans | 10.4650% | 288 |
| Net loans and leases to total assets | 31.4946% | 6,954 |
| Net loans and leases to deposits | 40.6998% | 6,840 |
| Net loans and leases to core deposits | 45.7259% | 6,746 |
| Total domestic deposits to total assets | 77.3828% | 6,288 |
| Equity capital to assets | 22.4678% | 146 |
| Core capital (leverage) ratio | 20.2880% | 189 |
| Tier 1 risk-based capital ratio | 52.4245% | 121 |
| Total risk-based capital ratio | 53.6860% | 120 |
| Memoranda: | ||
| Average total assets | $262,787,400 | 2,404 |
| Average earning assets | $248,018,400 | 2,322 |
| Average equity | $56,342,600 | 1,208 |
| Average total loans | $90,817,600 | 3,831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7919% | 4,052 |
| Cost of funding earning assets | 1.1891% | 2,390 |
| Net interest margin | 3.6028% | 4,755 |
| Noninterest income to average assets | 0.1313% | 6,596 |
| Noninterest expense to average assets | 1.0553% | 7,368 |
| Loan and lease loss provision to assets | 0.2309% | 3,708 |
| Net operating income to assets | 2.2384% | 242 |
| Return on assets (ROA) | 2.3508% | 208 |
| Pretax return on assets | 2.3508% | 332 |
| Return on Equity (ROE) | 11.1047% | 1,832 |
| Retained earnings to average equity (ytd only) | 5.9546% | 2,580 |
| Net charge-offs to loans | 0.1387% | 4,670 |
| Credit loss provision to net charge-offs | 473.6842% | 590 |
| Earnings coverage of net charge-offs (x) | 50.6645% | 639 |
| Efficiency ratio | 29.9418% | 7,369 |
| Assets per employee ($millions) | 10.1312% | 241 |
| Cash dividends to net income (ytd only)* | 46.3771% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3899% | 1,548 |
| Loan loss allowance to noncurrent loans | 23.1053% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 3.4620% | 1,822 |
| Noncurrent loans to loans | 10.3433% | 337 |
| Net loans and leases to total assets | 31.7739% | 7,032 |
| Net loans and leases to deposits | 41.4116% | 6,934 |
| Net loans and leases to core deposits | 46.5600% | 6,822 |
| Total domestic deposits to total assets | 76.7272% | 6,418 |
| Equity capital to assets | 23.1080% | 143 |
| Core capital (leverage) ratio | 20.8952% | 181 |
| Tier 1 risk-based capital ratio | 52.7382% | 136 |
| Total risk-based capital ratio | 53.9980% | 134 |
| Memoranda: | ||
| Average total assets | $259,880,500 | 2,436 |
| Average earning assets | $244,767,250 | 2,355 |
| Average equity | $55,014,500 | 1,233 |
| Average total loans | $91,341,000 | 3,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 3,580 |
| Cost of funding earning assets | 1.2442% | 2,291 |
| Net interest margin | 3.6644% | 4,442 |
| Noninterest income to average assets | 0.1010% | 6,816 |
| Noninterest expense to average assets | 1.0818% | 7,442 |
| Loan and lease loss provision to assets | 0.2350% | 3,562 |
| Net operating income to assets | 2.2356% | 248 |
| Return on assets (ROA) | 2.3773% | 204 |
| Pretax return on assets | 2.3773% | 295 |
| Return on Equity (ROE) | 11.6100% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.3501% | 2,212 |
| Net charge-offs to loans | 0.2019% | 3,937 |
| Credit loss provision to net charge-offs | 322.5806% | 938 |
| Earnings coverage of net charge-offs (x) | 33.9140% | 848 |
| Efficiency ratio | 30.4520% | 7,437 |
| Assets per employee ($millions) | 9.6549% | 266 |
| Cash dividends to net income (ytd only)* | 45.3048% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1844% | 1,953 |
| Loan loss allowance to noncurrent loans | 21.0236% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 3.7126% | 1,754 |
| Noncurrent loans to loans | 10.3903% | 364 |
| Net loans and leases to total assets | 34.0117% | 7,043 |
| Net loans and leases to deposits | 43.1981% | 6,947 |
| Net loans and leases to core deposits | 48.6088% | 6,829 |
| Total domestic deposits to total assets | 78.7342% | 6,143 |
| Equity capital to assets | 21.0990% | 209 |
| Core capital (leverage) ratio | 21.1158% | 184 |
| Tier 1 risk-based capital ratio | 51.8769% | 142 |
| Total risk-based capital ratio | 53.1341% | 140 |
| Memoranda: | ||
| Average total assets | $255,326,670 | 2,494 |
| Average earning assets | $240,475,000 | 2,421 |
| Average equity | $52,282,670 | 1,287 |
| Average total loans | $92,107,000 | 3,886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 3,237 |
| Cost of funding earning assets | 1.3412% | 1,942 |
| Net interest margin | 3.6314% | 4,417 |
| Noninterest income to average assets | 0.0095% | 7,272 |
| Noninterest expense to average assets | 1.0861% | 7,504 |
| Loan and lease loss provision to assets | 0.2375% | 3,289 |
| Net operating income to assets | 2.1025% | 298 |
| Return on assets (ROA) | 2.1025% | 308 |
| Pretax return on assets | 2.1025% | 467 |
| Return on Equity (ROE) | 10.4313% | 1,945 |
| Retained earnings to average equity (ytd only) | 5.5220% | 2,900 |
| Net charge-offs to loans | 0.5601% | 2,088 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | 11.3692% | 1,558 |
| Efficiency ratio | 31.7006% | 7,486 |
| Assets per employee ($millions) | 9.1444% | 314 |
| Cash dividends to net income (ytd only)* | 47.0633% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9418% | 2,562 |
| Loan loss allowance to noncurrent loans | 25.6143% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 2.8550% | 2,414 |
| Noncurrent loans to loans | 7.5810% | 684 |
| Net loans and leases to total assets | 35.3623% | 7,031 |
| Net loans and leases to deposits | 44.4241% | 6,938 |
| Net loans and leases to core deposits | 49.2925% | 6,816 |
| Total domestic deposits to total assets | 79.6016% | 6,037 |
| Equity capital to assets | 20.1836% | 250 |
| Core capital (leverage) ratio | 21.3626% | 174 |
| Tier 1 risk-based capital ratio | 50.7662% | 141 |
| Total risk-based capital ratio | 52.0212% | 141 |
| Memoranda: | ||
| Average total assets | $252,649,500 | 2,545 |
| Average earning assets | $237,702,500 | 2,466 |
| Average equity | $50,923,500 | 1,309 |
| Average total loans | $92,839,500 | 3,903 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2589% | 3,317 |
| Cost of funding earning assets | 1.6667% | 1,748 |
| Net interest margin | 3.5922% | 4,859 |
| Noninterest income to average assets | 0.1976% | 6,361 |
| Noninterest expense to average assets | 1.1409% | 7,560 |
| Loan and lease loss provision to assets | 0.6316% | 2,604 |
| Net operating income to assets | 1.7806% | 441 |
| Return on assets (ROA) | 1.9636% | 316 |
| Pretax return on assets | 1.9636% | 523 |
| Return on Equity (ROE) | 8.8529% | 2,362 |
| Retained earnings to average equity (ytd only) | 3.8009% | 3,203 |
| Net charge-offs to loans | 1.3110% | 1,704 |
| Credit loss provision to net charge-offs | 123.6045% | 3,347 |
| Earnings coverage of net charge-offs (x) | 4.7209% | 2,832 |
| Efficiency ratio | 32.1101% | 7,574 |
| Assets per employee ($millions) | 8.9020% | 351 |
| Cash dividends to net income (ytd only)* | 57.0658% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,568 |
| Loan loss allowance to noncurrent loans | 24.4013% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 3.0828% | 2,289 |
| Noncurrent loans to loans | 7.7842% | 674 |
| Net loans and leases to total assets | 36.7375% | 7,123 |
| Net loans and leases to deposits | 46.1177% | 7,039 |
| Net loans and leases to core deposits | 51.3069% | 6,934 |
| Total domestic deposits to total assets | 79.6602% | 5,922 |
| Equity capital to assets | 20.1272% | 256 |
| Core capital (leverage) ratio | 20.9880% | 201 |
| Tier 1 risk-based capital ratio | 49.8479% | 146 |
| Total risk-based capital ratio | 51.0665% | 145 |
| Memoranda: | ||
| Average total assets | $245,420,600 | 2,590 |
| Average earning assets | $229,249,600 | 2,529 |
| Average equity | $54,434,000 | 1,227 |
| Average total loans | $95,655,600 | 3,904 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 3,253 |
| Cost of funding earning assets | 1.7226% | 1,755 |
| Net interest margin | 3.5976% | 4,888 |
| Noninterest income to average assets | 0.1985% | 6,473 |
| Noninterest expense to average assets | 1.1208% | 7,679 |
| Loan and lease loss provision to assets | 0.7908% | 1,926 |
| Net operating income to assets | 1.6357% | 690 |
| Return on assets (ROA) | 1.7687% | 595 |
| Pretax return on assets | 1.7687% | 981 |
| Return on Equity (ROE) | 7.7907% | 2,988 |
| Retained earnings to average equity (ytd only) | 3.2864% | 4,132 |
| Net charge-offs to loans | 1.5656% | 1,275 |
| Credit loss provision to net charge-offs | 128.3186% | 3,166 |
| Earnings coverage of net charge-offs (x) | 3.9372% | 3,245 |
| Efficiency ratio | 31.5959% | 7,673 |
| Assets per employee ($millions) | 8.6600% | 390 |
| Cash dividends to net income (ytd only)* | 57.8169% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8945% | 2,496 |
| Loan loss allowance to noncurrent loans | 22.9209% | 6,760 |
| Noncurrent assets plus other real estate owned to assets | 3.2882% | 2,172 |
| Noncurrent loans to loans | 8.2655% | 609 |
| Net loans and leases to total assets | 37.0530% | 7,224 |
| Net loans and leases to deposits | 48.4238% | 7,070 |
| Net loans and leases to core deposits | 53.5584% | 6,982 |
| Total domestic deposits to total assets | 76.5183% | 6,564 |
| Equity capital to assets | 23.2424% | 158 |
| Core capital (leverage) ratio | 21.2232% | 199 |
| Tier 1 risk-based capital ratio | 49.3456% | 156 |
| Total risk-based capital ratio | 50.5849% | 156 |
| Memoranda: | ||
| Average total assets | $244,462,000 | 2,643 |
| Average earning assets | $227,551,500 | 2,587 |
| Average equity | $55,500,500 | 1,200 |
| Average total loans | $96,233,750 | 3,962 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 2,887 |
| Cost of funding earning assets | 1.7645% | 1,794 |
| Net interest margin | 3.6565% | 4,554 |
| Noninterest income to average assets | 0.2006% | 6,470 |
| Noninterest expense to average assets | 1.0981% | 7,756 |
| Loan and lease loss provision to assets | 0.2477% | 4,448 |
| Net operating income to assets | 2.2408% | 211 |
| Return on assets (ROA) | 2.3002% | 211 |
| Pretax return on assets | 2.3002% | 339 |
| Return on Equity (ROE) | 10.2157% | 2,018 |
| Retained earnings to average equity (ytd only) | 5.1738% | 2,802 |
| Net charge-offs to loans | 0.2461% | 4,119 |
| Credit loss provision to net charge-offs | 252.1008% | 1,517 |
| Earnings coverage of net charge-offs (x) | 25.3277% | 1,041 |
| Efficiency ratio | 30.6169% | 7,744 |
| Assets per employee ($millions) | 8.5398% | 409 |
| Cash dividends to net income (ytd only)* | 49.3539% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7216% | 2,992 |
| Loan loss allowance to noncurrent loans | 20.7743% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 3.3745% | 2,085 |
| Noncurrent loans to loans | 8.2874% | 613 |
| Net loans and leases to total assets | 38.2168% | 7,260 |
| Net loans and leases to deposits | 50.7091% | 7,039 |
| Net loans and leases to core deposits | 56.1488% | 6,932 |
| Total domestic deposits to total assets | 75.3647% | 6,803 |
| Equity capital to assets | 22.3854% | 186 |
| Core capital (leverage) ratio | 21.4119% | 194 |
| Tier 1 risk-based capital ratio | 49.5871% | 157 |
| Total risk-based capital ratio | 50.8408% | 158 |
| Memoranda: | ||
| Average total assets | $242,236,000 | 2,685 |
| Average earning assets | $224,313,000 | 2,635 |
| Average equity | $54,543,670 | 1,216 |
| Average total loans | $96,694,330 | 3,992 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 2,075 |
| Cost of funding earning assets | 1.8084% | 1,841 |
| Net interest margin | 3.8109% | 3,752 |
| Noninterest income to average assets | 0.2004% | 6,530 |
| Noninterest expense to average assets | 1.0821% | 7,861 |
| Loan and lease loss provision to assets | 0.2505% | 4,040 |
| Net operating income to assets | 2.3446% | 191 |
| Return on assets (ROA) | 2.9091% | 106 |
| Pretax return on assets | 2.9091% | 149 |
| Return on Equity (ROE) | 12.8807% | 1,276 |
| Retained earnings to average equity (ytd only) | 8.2593% | 1,601 |
| Net charge-offs to loans | 0.0991% | 4,430 |
| Credit loss provision to net charge-offs | 625.0000% | 695 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 474 |
| Efficiency ratio | 29.4278% | 7,851 |
| Assets per employee ($millions) | 8.3061% | 450 |
| Cash dividends to net income (ytd only)* | 35.8783% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,205 |
| Loan loss allowance to noncurrent loans | 21.2374% | 6,949 |
| Noncurrent assets plus other real estate owned to assets | 3.5138% | 2,002 |
| Noncurrent loans to loans | 7.8280% | 701 |
| Net loans and leases to total assets | 39.3647% | 7,285 |
| Net loans and leases to deposits | 52.3662% | 7,019 |
| Net loans and leases to core deposits | 58.3490% | 6,859 |
| Total domestic deposits to total assets | 75.1719% | 6,878 |
| Equity capital to assets | 22.4738% | 195 |
| Core capital (leverage) ratio | 21.8606% | 189 |
| Tier 1 risk-based capital ratio | 49.3370% | 159 |
| Total risk-based capital ratio | 50.5904% | 158 |
| Memoranda: | ||
| Average total assets | $239,527,500 | 2,768 |
| Average earning assets | $218,533,500 | 2,755 |
| Average equity | $54,096,500 | 1,235 |
| Average total loans | $96,890,000 | 4,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7508% | 2,861 |
| Cost of funding earning assets | 2.0367% | 2,791 |
| Net interest margin | 3.7141% | 4,073 |
| Noninterest income to average assets | 0.1578% | 6,942 |
| Noninterest expense to average assets | 1.1962% | 7,909 |
| Loan and lease loss provision to assets | 0.9095% | 2,474 |
| Net operating income to assets | 1.5412% | 621 |
| Return on assets (ROA) | 1.8243% | 350 |
| Pretax return on assets | 1.8243% | 604 |
| Return on Equity (ROE) | 7.9092% | 2,409 |
| Retained earnings to average equity (ytd only) | 2.2082% | 3,566 |
| Net charge-offs to loans | 1.7219% | 1,459 |
| Credit loss provision to net charge-offs | 123.8067% | 4,253 |
| Earnings coverage of net charge-offs (x) | 3.3359% | 3,396 |
| Efficiency ratio | 32.8005% | 7,920 |
| Assets per employee ($millions) | 8.2131% | 465 |
| Cash dividends to net income (ytd only)* | 72.0807% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 3,637 |
| Loan loss allowance to noncurrent loans | 20.7444% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 3.3479% | 2,038 |
| Noncurrent loans to loans | 7.3133% | 734 |
| Net loans and leases to total assets | 40.2554% | 7,337 |
| Net loans and leases to deposits | 53.7140% | 7,071 |
| Net loans and leases to core deposits | 69.3195% | 6,811 |
| Total domestic deposits to total assets | 74.9441% | 6,872 |
| Equity capital to assets | 22.6968% | 209 |
| Core capital (leverage) ratio | 21.4585% | 223 |
| Tier 1 risk-based capital ratio | 47.8198% | 171 |
| Total risk-based capital ratio | 49.0715% | 171 |
| Memoranda: | ||
| Average total assets | $228,136,600 | 2,843 |
| Average earning assets | $214,317,200 | 2,775 |
| Average equity | $52,622,400 | 1,256 |
| Average total loans | $97,334,000 | 4,024 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8284% | 2,762 |
| Cost of funding earning assets | 2.0902% | 2,931 |
| Net interest margin | 3.7382% | 3,917 |
| Noninterest income to average assets | 0.2553% | 6,406 |
| Noninterest expense to average assets | 1.3048% | 7,961 |
| Loan and lease loss provision to assets | 0.5909% | 3,020 |
| Net operating income to assets | 1.8768% | 377 |
| Return on assets (ROA) | 2.0127% | 309 |
| Pretax return on assets | 2.0127% | 529 |
| Return on Equity (ROE) | 8.6891% | 2,379 |
| Retained earnings to average equity (ytd only) | 3.5869% | 3,281 |
| Net charge-offs to loans | 1.1850% | 1,711 |
| Credit loss provision to net charge-offs | 115.6069% | 4,392 |
| Earnings coverage of net charge-offs (x) | 4.8278% | 3,000 |
| Efficiency ratio | 34.5865% | 7,981 |
| Assets per employee ($millions) | 8.0554% | 504 |
| Cash dividends to net income (ytd only)* | 58.7199% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,889 |
| Loan loss allowance to noncurrent loans | 24.3574% | 6,822 |
| Noncurrent assets plus other real estate owned to assets | 2.3634% | 2,913 |
| Noncurrent loans to loans | 5.1018% | 1,270 |
| Net loans and leases to total assets | 41.2656% | 7,401 |
| Net loans and leases to deposits | 55.7513% | 7,108 |
| Net loans and leases to core deposits | 71.2346% | 6,894 |
| Total domestic deposits to total assets | 74.0174% | 6,942 |
| Equity capital to assets | 23.5525% | 204 |
| Core capital (leverage) ratio | 22.2690% | 228 |
| Tier 1 risk-based capital ratio | 49.2833% | 172 |
| Total risk-based capital ratio | 50.4455% | 171 |
| Memoranda: | ||
| Average total assets | $225,626,000 | 2,889 |
| Average earning assets | $212,287,250 | 2,823 |
| Average equity | $52,263,250 | 1,287 |
| Average total loans | $97,328,250 | 4,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9136% | 2,525 |
| Cost of funding earning assets | 2.1390% | 3,093 |
| Net interest margin | 3.7746% | 3,654 |
| Noninterest income to average assets | 0.2234% | 6,695 |
| Noninterest expense to average assets | 1.3939% | 8,010 |
| Loan and lease loss provision to assets | 0.8297% | 2,022 |
| Net operating income to assets | 1.5706% | 729 |
| Return on assets (ROA) | 1.7402% | 565 |
| Pretax return on assets | 1.7402% | 952 |
| Return on Equity (ROE) | 7.5568% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.6877% | 3,834 |
| Net charge-offs to loans | 1.7833% | 1,062 |
| Credit loss provision to net charge-offs | 106.6897% | 4,321 |
| Earnings coverage of net charge-offs (x) | 3.0865% | 3,578 |
| Efficiency ratio | 36.7376% | 8,060 |
| Assets per employee ($millions) | 7.7931% | 541 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,133 |
| Loan loss allowance to noncurrent loans | 48.7136% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 4,397 |
| Noncurrent loans to loans | 2.4050% | 3,005 |
| Net loans and leases to total assets | 42.4020% | 7,425 |
| Net loans and leases to deposits | 56.6885% | 7,114 |
| Net loans and leases to core deposits | 74.3598% | 6,768 |
| Total domestic deposits to total assets | 74.7983% | 6,801 |
| Equity capital to assets | 22.6614% | 261 |
| Core capital (leverage) ratio | 22.3034% | 269 |
| Tier 1 risk-based capital ratio | 48.9136% | 193 |
| Total risk-based capital ratio | 50.0092% | 193 |
| Memoranda: | ||
| Average total assets | $222,966,000 | 2,939 |
| Average earning assets | $210,936,330 | 2,857 |
| Average equity | $51,344,330 | 1,331 |
| Average total loans | $97,233,670 | 4,091 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8185% | 3,207 |
| Cost of funding earning assets | 2.1645% | 3,347 |
| Net interest margin | 3.6540% | 4,081 |
| Noninterest income to average assets | 0.2222% | 6,695 |
| Noninterest expense to average assets | 1.4270% | 8,031 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2470% | 216 |
| Return on assets (ROA) | 2.2470% | 248 |
| Pretax return on assets | 2.2470% | 398 |
| Return on Equity (ROE) | 9.6792% | 2,456 |
| Retained earnings to average equity (ytd only) | 3.8437% | 3,751 |
| Net charge-offs to loans | 0.1561% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 32.7368% | 995 |
| Efficiency ratio | 38.8397% | 8,073 |
| Assets per employee ($millions) | 7.7383% | 560 |
| Cash dividends to net income (ytd only)* | 60.2894% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 5,710 |
| Loan loss allowance to noncurrent loans | 28.6422% | 6,642 |
| Noncurrent assets plus other real estate owned to assets | 1.8431% | 3,153 |
| Noncurrent loans to loans | 3.7221% | 1,669 |
| Net loans and leases to total assets | 43.0074% | 7,409 |
| Net loans and leases to deposits | 58.0048% | 7,037 |
| Net loans and leases to core deposits | 74.4125% | 6,784 |
| Total domestic deposits to total assets | 74.1446% | 6,863 |
| Equity capital to assets | 23.3051% | 270 |
| Core capital (leverage) ratio | 22.8937% | 284 |
| Tier 1 risk-based capital ratio | 49.9412% | 210 |
| Total risk-based capital ratio | 50.9692% | 206 |
| Memoranda: | ||
| Average total assets | $221,448,500 | 2,971 |
| Average earning assets | $209,195,500 | 2,892 |
| Average equity | $51,409,000 | 1,335 |
| Average total loans | $97,368,000 | 4,103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0416% | 5,346 |
| Cost of funding earning assets | 2.6526% | 3,409 |
| Net interest margin | 3.3890% | 5,700 |
| Noninterest income to average assets | 0.2455% | 6,686 |
| Noninterest expense to average assets | 1.1151% | 8,186 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.3780% | 164 |
| Return on assets (ROA) | 2.4151% | 150 |
| Pretax return on assets | 2.4151% | 238 |
| Return on Equity (ROE) | 10.7138% | 2,000 |
| Retained earnings to average equity (ytd only) | 4.1116% | 2,574 |
| Net charge-offs to loans | 0.3171% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 16.8604% | 1,810 |
| Efficiency ratio | 31.9219% | 8,222 |
| Assets per employee ($millions) | 8.0921% | 460 |
| Cash dividends to net income (ytd only)* | 61.6231% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,203 |
| Loan loss allowance to noncurrent loans | 31.9124% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 2,355 |
| Noncurrent loans to loans | 3.4759% | 1,458 |
| Net loans and leases to total assets | 43.9866% | 7,467 |
| Net loans and leases to deposits | 59.2334% | 7,139 |
| Net loans and leases to core deposits | 76.1674% | 6,853 |
| Total domestic deposits to total assets | 74.2598% | 6,613 |
| Equity capital to assets | 23.1222% | 311 |
| Core capital (leverage) ratio | 22.7470% | 317 |
| Tier 1 risk-based capital ratio | 49.3982% | 222 |
| Total risk-based capital ratio | 50.4626% | 220 |
| Memoranda: | ||
| Average total assets | $218,373,800 | 2,894 |
| Average earning assets | $209,265,800 | 2,782 |
| Average equity | $49,226,400 | 1,385 |
| Average total loans | $97,115,600 | 4,028 |