Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,260 |
| Cost of funding earning assets | 0.8192% | 3,683 |
| Net interest margin | 2.8968% | 3,497 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.0844% | 3,443 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8159% | 2,819 |
| Return on assets (ROA) | 0.8219% | 2,781 |
| Pretax return on assets | 1.0531% | 2,525 |
| Return on Equity (ROE) | 7.9000% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.1868% | 1,836 |
| Net charge-offs to loans | -0.0126% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.0188% | 2,478 |
| Assets per employee ($millions) | 7.1136% | 1,999 |
| Cash dividends to net income (ytd only)* | 9.0415% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8312% | 511 |
| Loan loss allowance to noncurrent loans | 70.0550% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 306 |
| Noncurrent loans to loans | 2.6139% | 179 |
| Net loans and leases to total assets | 50.1500% | 3,583 |
| Net loans and leases to deposits | 61.4096% | 3,443 |
| Net loans and leases to core deposits | 65.0995% | 3,538 |
| Total domestic deposits to total assets | 81.6600% | 3,188 |
| Equity capital to assets | 11.5511% | 1,269 |
| Core capital (leverage) ratio | 13.3529% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8916% | 486 |
| Memoranda: | ||
| Average total assets | $648,639,600 | 1,376 |
| Average earning assets | $617,439,200 | 1,345 |
| Average equity | $67,470,600 | 1,284 |
| Average total loans | $318,085,400 | 1,731 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,297 |
| Cost of funding earning assets | 0.5797% | 4,007 |
| Net interest margin | 3.0308% | 3,278 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.9940% | 3,609 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0048% | 2,352 |
| Return on assets (ROA) | 1.0097% | 2,324 |
| Pretax return on assets | 1.2980% | 2,048 |
| Return on Equity (ROE) | 9.9800% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.2450% | 1,621 |
| Net charge-offs to loans | -0.0177% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.7642% | 2,996 |
| Assets per employee ($millions) | 7.5513% | 1,603 |
| Cash dividends to net income (ytd only)* | 7.3458% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 660 |
| Loan loss allowance to noncurrent loans | 55.7431% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5873% | 227 |
| Noncurrent loans to loans | 3.1047% | 133 |
| Net loans and leases to total assets | 50.2400% | 3,602 |
| Net loans and leases to deposits | 64.2241% | 3,251 |
| Net loans and leases to core deposits | 67.3794% | 3,357 |
| Total domestic deposits to total assets | 78.2300% | 3,792 |
| Equity capital to assets | 10.4787% | 1,562 |
| Core capital (leverage) ratio | 13.2322% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2842% | 533 |
| Memoranda: | ||
| Average total assets | $650,743,750 | 1,374 |
| Average earning assets | $619,617,750 | 1,340 |
| Average equity | $65,850,000 | 1,295 |
| Average total loans | $315,843,500 | 1,739 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4798% | 4,361 |
| Cost of funding earning assets | 0.4508% | 4,083 |
| Net interest margin | 3.0290% | 3,355 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.0068% | 3,578 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9640% | 2,534 |
| Return on assets (ROA) | 0.9696% | 2,512 |
| Pretax return on assets | 1.2436% | 2,245 |
| Return on Equity (ROE) | 9.7000% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.9562% | 1,697 |
| Net charge-offs to loans | -0.0271% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4608% | 2,900 |
| Assets per employee ($millions) | 7.6136% | 1,533 |
| Cash dividends to net income (ytd only)* | 7.6338% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 636 |
| Loan loss allowance to noncurrent loans | 58.5609% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4985% | 238 |
| Noncurrent loans to loans | 3.0470% | 138 |
| Net loans and leases to total assets | 48.3000% | 3,667 |
| Net loans and leases to deposits | 60.3464% | 3,403 |
| Net loans and leases to core deposits | 62.4219% | 3,519 |
| Total domestic deposits to total assets | 80.0400% | 3,577 |
| Equity capital to assets | 10.2424% | 1,719 |
| Core capital (leverage) ratio | 13.1079% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2729% | 539 |
| Memoranda: | ||
| Average total assets | $651,188,000 | 1,373 |
| Average earning assets | $620,204,000 | 1,343 |
| Average equity | $65,116,667 | 1,303 |
| Average total loans | $310,452,667 | 1,743 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3072% | 4,431 |
| Cost of funding earning assets | 0.2981% | 4,204 |
| Net interest margin | 3.0091% | 3,578 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0382% | 3,532 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 0.8191% | 3,137 |
| Return on assets (ROA) | 0.8254% | 3,062 |
| Pretax return on assets | 1.1032% | 2,699 |
| Return on Equity (ROE) | 8.3600% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.6080% | 2,333 |
| Net charge-offs to loans | -0.0013% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.0360% | 2,692 |
| Assets per employee ($millions) | 7.5246% | 1,609 |
| Cash dividends to net income (ytd only)* | 8.9552% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 598 |
| Loan loss allowance to noncurrent loans | 58.4409% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 217 |
| Noncurrent loans to loans | 3.1695% | 139 |
| Net loans and leases to total assets | 46.7100% | 3,734 |
| Net loans and leases to deposits | 53.9491% | 3,687 |
| Net loans and leases to core deposits | 55.2495% | 3,783 |
| Total domestic deposits to total assets | 86.5900% | 2,413 |
| Equity capital to assets | 10.2568% | 1,686 |
| Core capital (leverage) ratio | 13.0129% | 971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4766% | 538 |
| Memoranda: | ||
| Average total assets | $649,398,500 | 1,398 |
| Average earning assets | $619,988,000 | 1,362 |
| Average equity | $64,143,000 | 1,330 |
| Average total loans | $304,668,500 | 1,775 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7479% | 4,370 |
| Cost of funding earning assets | 0.1516% | 4,112 |
| Net interest margin | 2.5963% | 4,179 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 1.8859% | 3,863 |
| Loan and lease loss provision to assets | -0.1200% | 4,559 |
| Net operating income to assets | 0.9285% | 2,852 |
| Return on assets (ROA) | 0.9264% | 2,798 |
| Pretax return on assets | 1.1584% | 2,579 |
| Return on Equity (ROE) | 9.1600% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.7998% | 1,916 |
| Net charge-offs to loans | -0.0157% | 3,974 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.3330% | 2,454 |
| Assets per employee ($millions) | 7.5777% | 1,564 |
| Cash dividends to net income (ytd only)* | 14.8745% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 645 |
| Loan loss allowance to noncurrent loans | 57.0219% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 219 |
| Noncurrent loans to loans | 3.1758% | 130 |
| Net loans and leases to total assets | 45.4000% | 3,826 |
| Net loans and leases to deposits | 50.2683% | 3,886 |
| Net loans and leases to core deposits | 51.1018% | 3,936 |
| Total domestic deposits to total assets | 90.3200% | 1,232 |
| Equity capital to assets | 9.5004% | 2,012 |
| Core capital (leverage) ratio | 12.3399% | 1,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6407% | 503 |
| Memoranda: | ||
| Average total assets | $649,517,400 | 1,377 |
| Average earning assets | $623,200,600 | 1,344 |
| Average equity | $65,668,200 | 1,314 |
| Average total loans | $273,090,000 | 1,842 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6052% | 4,386 |
| Cost of funding earning assets | 0.1505% | 3,840 |
| Net interest margin | 2.4547% | 4,258 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.8313% | 3,921 |
| Loan and lease loss provision to assets | -0.1500% | 4,632 |
| Net operating income to assets | 0.9225% | 2,783 |
| Return on assets (ROA) | 0.9190% | 2,766 |
| Pretax return on assets | 1.1193% | 2,660 |
| Return on Equity (ROE) | 8.9500% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.4064% | 2,227 |
| Net charge-offs to loans | -0.0050% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.3855% | 2,358 |
| Assets per employee ($millions) | 7.6968% | 1,489 |
| Cash dividends to net income (ytd only)* | 17.2815% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 701 |
| Loan loss allowance to noncurrent loans | 53.9809% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 215 |
| Noncurrent loans to loans | 3.3723% | 135 |
| Net loans and leases to total assets | 44.7100% | 3,834 |
| Net loans and leases to deposits | 49.2498% | 3,899 |
| Net loans and leases to core deposits | 50.1512% | 3,934 |
| Total domestic deposits to total assets | 90.7900% | 1,323 |
| Equity capital to assets | 8.9120% | 2,272 |
| Core capital (leverage) ratio | 12.2919% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3838% | 531 |
| Memoranda: | ||
| Average total assets | $648,977,250 | 1,384 |
| Average earning assets | $622,679,250 | 1,351 |
| Average equity | $66,607,250 | 1,311 |
| Average total loans | $266,027,000 | 1,873 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4561% | 4,415 |
| Cost of funding earning assets | 0.1547% | 3,514 |
| Net interest margin | 2.3014% | 4,332 |
| Noninterest income to average assets | 0.4369% | 2,527 |
| Noninterest expense to average assets | 1.8235% | 3,897 |
| Loan and lease loss provision to assets | -0.2318% | 4,700 |
| Net operating income to assets | 0.8902% | 2,623 |
| Return on assets (ROA) | 0.8844% | 2,622 |
| Pretax return on assets | 1.0454% | 2,588 |
| Return on Equity (ROE) | 8.2509% | 2,953 |
| Retained earnings to average equity (ytd only) | 6.3683% | 2,217 |
| Net charge-offs to loans | 0.0016% | 2,065 |
| Credit loss provision to net charge-offs | -37,500.0000% | 3,907 |
| Earnings coverage of net charge-offs (x) | 1,327.5000% | 88 |
| Efficiency ratio | 68.9691% | 2,108 |
| Assets per employee ($millions) | 7.5388% | 1,585 |
| Cash dividends to net income (ytd only)* | 22.8162% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 619 |
| Loan loss allowance to noncurrent loans | 55.9669% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 233 |
| Noncurrent loans to loans | 3.4640% | 127 |
| Net loans and leases to total assets | 42.7191% | 3,918 |
| Net loans and leases to deposits | 47.6071% | 3,937 |
| Net loans and leases to core deposits | 48.9938% | 3,980 |
| Total domestic deposits to total assets | 89.7327% | 1,832 |
| Equity capital to assets | 9.9986% | 1,717 |
| Core capital (leverage) ratio | 11.4450% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5453% | 578 |
| Memoranda: | ||
| Average total assets | $647,226,000 | 1,390 |
| Average earning assets | $620,660,000 | 1,368 |
| Average equity | $69,374,667 | 1,300 |
| Average total loans | $255,384,000 | 1,920 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5306% | 4,229 |
| Cost of funding earning assets | 0.1595% | 3,382 |
| Net interest margin | 2.3711% | 4,124 |
| Noninterest income to average assets | 0.4385% | 2,450 |
| Noninterest expense to average assets | 1.8031% | 3,932 |
| Loan and lease loss provision to assets | -0.4612% | 4,754 |
| Net operating income to assets | 1.1820% | 1,291 |
| Return on assets (ROA) | 1.1783% | 1,303 |
| Pretax return on assets | 1.3597% | 1,358 |
| Return on Equity (ROE) | 10.6405% | 1,748 |
| Retained earnings to average equity (ytd only) | 7.6805% | 1,680 |
| Net charge-offs to loans | 0.0016% | 1,770 |
| Credit loss provision to net charge-offs | -75,000.0000% | 3,628 |
| Earnings coverage of net charge-offs (x) | 1,468.0000% | 50 |
| Efficiency ratio | 66.6364% | 2,687 |
| Assets per employee ($millions) | 7.6359% | 1,601 |
| Cash dividends to net income (ytd only)* | 27.8184% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2155% | 426 |
| Loan loss allowance to noncurrent loans | 386.9192% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,352 |
| Noncurrent loans to loans | 0.5726% | 1,611 |
| Net loans and leases to total assets | 36.8096% | 4,163 |
| Net loans and leases to deposits | 41.1481% | 4,198 |
| Net loans and leases to core deposits | 43.1471% | 4,192 |
| Total domestic deposits to total assets | 89.4563% | 1,838 |
| Equity capital to assets | 10.3699% | 1,644 |
| Core capital (leverage) ratio | 11.6431% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6185% | 454 |
| Memoranda: | ||
| Average total assets | $650,439,000 | 1,388 |
| Average earning assets | $621,993,500 | 1,369 |
| Average equity | $72,026,500 | 1,304 |
| Average total loans | $243,498,000 | 1,970 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8860% | 4,079 |
| Cost of funding earning assets | 0.2047% | 3,418 |
| Net interest margin | 2.6813% | 3,909 |
| Noninterest income to average assets | 0.5243% | 2,468 |
| Noninterest expense to average assets | 1.8731% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9903% | 2,709 |
| Return on assets (ROA) | 0.9956% | 2,758 |
| Pretax return on assets | 1.2529% | 2,512 |
| Return on Equity (ROE) | 7.9231% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.2618% | 2,244 |
| Net charge-offs to loans | -0.0065% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0492% | 3,139 |
| Assets per employee ($millions) | 7.6685% | 1,518 |
| Cash dividends to net income (ytd only)* | 20.9672% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5401% | 260 |
| Loan loss allowance to noncurrent loans | 525.9386% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 2,680 |
| Noncurrent loans to loans | 0.4830% | 1,919 |
| Net loans and leases to total assets | 36.2836% | 4,274 |
| Net loans and leases to deposits | 41.1708% | 4,302 |
| Net loans and leases to core deposits | 43.4218% | 4,287 |
| Total domestic deposits to total assets | 88.1295% | 1,975 |
| Equity capital to assets | 11.7742% | 1,357 |
| Core capital (leverage) ratio | 12.1555% | 1,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9920% | 401 |
| Memoranda: | ||
| Average total assets | $612,673,400 | 1,426 |
| Average earning assets | $592,969,200 | 1,389 |
| Average equity | $76,990,400 | 1,244 |
| Average total loans | $260,469,200 | 1,879 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9063% | 4,161 |
| Cost of funding earning assets | 0.2136% | 3,478 |
| Net interest margin | 2.6928% | 3,995 |
| Noninterest income to average assets | 0.5480% | 2,416 |
| Noninterest expense to average assets | 1.8690% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0116% | 2,861 |
| Return on assets (ROA) | 1.0166% | 2,910 |
| Pretax return on assets | 1.3064% | 2,611 |
| Return on Equity (ROE) | 7.9547% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.9491% | 2,841 |
| Net charge-offs to loans | -0.0086% | 3,610 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9783% | 3,125 |
| Assets per employee ($millions) | 7.1667% | 1,762 |
| Cash dividends to net income (ytd only)* | 25.2121% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 360 |
| Loan loss allowance to noncurrent loans | 228.8048% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,751 |
| Noncurrent loans to loans | 1.0257% | 1,113 |
| Net loans and leases to total assets | 40.6693% | 4,176 |
| Net loans and leases to deposits | 46.5557% | 4,208 |
| Net loans and leases to core deposits | 49.2658% | 4,178 |
| Total domestic deposits to total assets | 87.3561% | 2,184 |
| Equity capital to assets | 12.3220% | 1,250 |
| Core capital (leverage) ratio | 12.4936% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3706% | 465 |
| Memoranda: | ||
| Average total assets | $602,885,750 | 1,460 |
| Average earning assets | $586,793,500 | 1,417 |
| Average equity | $77,051,250 | 1,260 |
| Average total loans | $264,919,250 | 1,884 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9293% | 4,177 |
| Cost of funding earning assets | 0.2231% | 3,528 |
| Net interest margin | 2.7063% | 3,969 |
| Noninterest income to average assets | 0.5832% | 2,286 |
| Noninterest expense to average assets | 1.8968% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0275% | 2,799 |
| Return on assets (ROA) | 1.0323% | 2,855 |
| Pretax return on assets | 1.3247% | 2,565 |
| Return on Equity (ROE) | 7.9759% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.5308% | 2,237 |
| Net charge-offs to loans | -0.0128% | 3,779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9899% | 3,155 |
| Assets per employee ($millions) | 7.0704% | 1,754 |
| Cash dividends to net income (ytd only)* | 5.5809% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 364 |
| Loan loss allowance to noncurrent loans | 582.0585% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 3,131 |
| Noncurrent loans to loans | 0.3941% | 2,493 |
| Net loans and leases to total assets | 42.2017% | 4,166 |
| Net loans and leases to deposits | 48.3834% | 4,191 |
| Net loans and leases to core deposits | 51.0122% | 4,184 |
| Total domestic deposits to total assets | 87.2237% | 2,209 |
| Equity capital to assets | 12.4565% | 1,151 |
| Core capital (leverage) ratio | 12.6863% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5869% | 451 |
| Memoranda: | ||
| Average total assets | $593,624,333 | 1,474 |
| Average earning assets | $577,402,000 | 1,425 |
| Average equity | $76,831,333 | 1,256 |
| Average total loans | $265,674,667 | 1,897 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9587% | 4,171 |
| Cost of funding earning assets | 0.2358% | 3,602 |
| Net interest margin | 2.7229% | 3,916 |
| Noninterest income to average assets | 0.7160% | 1,821 |
| Noninterest expense to average assets | 1.9388% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1029% | 2,467 |
| Return on assets (ROA) | 1.1116% | 2,517 |
| Pretax return on assets | 1.4354% | 2,182 |
| Return on Equity (ROE) | 8.4189% | 3,208 |
| Retained earnings to average equity (ytd only) | 8.3666% | 2,131 |
| Net charge-offs to loans | -0.0242% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6473% | 3,354 |
| Assets per employee ($millions) | 6.7908% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.6211% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3364% | 339 |
| Loan loss allowance to noncurrent loans | 491.0757% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 3,103 |
| Noncurrent loans to loans | 0.4758% | 2,420 |
| Net loans and leases to total assets | 43.1097% | 4,171 |
| Net loans and leases to deposits | 49.6715% | 4,179 |
| Net loans and leases to core deposits | 51.8687% | 4,203 |
| Total domestic deposits to total assets | 86.7896% | 2,395 |
| Equity capital to assets | 12.8468% | 958 |
| Core capital (leverage) ratio | 13.2202% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7621% | 422 |
| Memoranda: | ||
| Average total assets | $579,338,000 | 1,495 |
| Average earning assets | $563,221,500 | 1,440 |
| Average equity | $76,495,000 | 1,255 |
| Average total loans | $264,141,000 | 1,900 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 3,885 |
| Cost of funding earning assets | 0.3052% | 4,108 |
| Net interest margin | 3.2616% | 3,181 |
| Noninterest income to average assets | 0.4802% | 2,724 |
| Noninterest expense to average assets | 2.1843% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1323% | 1,795 |
| Return on assets (ROA) | 1.1396% | 1,891 |
| Pretax return on assets | 1.4601% | 1,470 |
| Return on Equity (ROE) | 7.8646% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.0659% | 1,768 |
| Net charge-offs to loans | -0.0018% | 3,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0872% | 3,444 |
| Assets per employee ($millions) | 6.5243% | 1,904 |
| Cash dividends to net income (ytd only)* | 22.8709% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3240% | 338 |
| Loan loss allowance to noncurrent loans | 431.6713% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,026 |
| Noncurrent loans to loans | 0.5384% | 2,365 |
| Net loans and leases to total assets | 46.0451% | 4,123 |
| Net loans and leases to deposits | 53.4728% | 4,137 |
| Net loans and leases to core deposits | 55.8813% | 4,158 |
| Total domestic deposits to total assets | 86.1093% | 2,318 |
| Equity capital to assets | 13.5842% | 906 |
| Core capital (leverage) ratio | 13.4767% | 793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9361% | 393 |
| Memoranda: | ||
| Average total assets | $511,051,800 | 1,515 |
| Average earning assets | $494,354,800 | 1,468 |
| Average equity | $74,053,800 | 1,233 |
| Average total loans | $276,306,000 | 1,793 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 3,973 |
| Cost of funding earning assets | 0.3195% | 4,219 |
| Net interest margin | 3.3006% | 3,188 |
| Noninterest income to average assets | 0.4835% | 2,683 |
| Noninterest expense to average assets | 2.2197% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1173% | 1,925 |
| Return on assets (ROA) | 1.1251% | 2,016 |
| Pretax return on assets | 1.4674% | 1,521 |
| Return on Equity (ROE) | 7.6303% | 2,943 |
| Retained earnings to average equity (ytd only) | 5.6043% | 2,286 |
| Net charge-offs to loans | -0.0033% | 3,968 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3636% | 3,338 |
| Assets per employee ($millions) | 6.2215% | 2,069 |
| Cash dividends to net income (ytd only)* | 26.5510% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1519% | 380 |
| Loan loss allowance to noncurrent loans | 474.4599% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2422% | 3,221 |
| Noncurrent loans to loans | 0.4536% | 2,690 |
| Net loans and leases to total assets | 52.2557% | 3,951 |
| Net loans and leases to deposits | 61.2538% | 3,976 |
| Net loans and leases to core deposits | 63.9921% | 4,009 |
| Total domestic deposits to total assets | 85.3101% | 2,314 |
| Equity capital to assets | 14.0429% | 848 |
| Core capital (leverage) ratio | 13.9671% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2505% | 440 |
| Memoranda: | ||
| Average total assets | $498,543,000 | 1,531 |
| Average earning assets | $482,401,250 | 1,472 |
| Average equity | $73,512,500 | 1,227 |
| Average total loans | $279,257,500 | 1,767 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 4,009 |
| Cost of funding earning assets | 0.3339% | 4,344 |
| Net interest margin | 3.4047% | 3,083 |
| Noninterest income to average assets | 0.4749% | 2,684 |
| Noninterest expense to average assets | 2.2069% | 3,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1977% | 1,644 |
| Return on assets (ROA) | 1.2094% | 1,742 |
| Pretax return on assets | 1.5745% | 1,282 |
| Return on Equity (ROE) | 8.0607% | 2,722 |
| Retained earnings to average equity (ytd only) | 6.8493% | 1,718 |
| Net charge-offs to loans | -0.0043% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5917% | 3,611 |
| Assets per employee ($millions) | 5.9372% | 2,241 |
| Cash dividends to net income (ytd only)* | 15.0289% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 383 |
| Loan loss allowance to noncurrent loans | 185.9649% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 1,883 |
| Noncurrent loans to loans | 1.1235% | 1,402 |
| Net loans and leases to total assets | 56.4249% | 3,650 |
| Net loans and leases to deposits | 66.7036% | 3,664 |
| Net loans and leases to core deposits | 69.9096% | 3,713 |
| Total domestic deposits to total assets | 84.5905% | 2,532 |
| Equity capital to assets | 14.6322% | 700 |
| Core capital (leverage) ratio | 14.4991% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4051% | 477 |
| Memoranda: | ||
| Average total assets | $486,374,667 | 1,540 |
| Average earning assets | $470,235,667 | 1,481 |
| Average equity | $72,971,333 | 1,226 |
| Average total loans | $277,096,000 | 1,756 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,118 |
| Cost of funding earning assets | 0.3393% | 4,551 |
| Net interest margin | 3.8907% | 1,701 |
| Noninterest income to average assets | 0.4926% | 2,586 |
| Noninterest expense to average assets | 2.3236% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4667% | 843 |
| Return on assets (ROA) | 1.4667% | 921 |
| Pretax return on assets | 1.9306% | 533 |
| Return on Equity (ROE) | 9.6476% | 1,860 |
| Retained earnings to average equity (ytd only) | 8.9818% | 977 |
| Net charge-offs to loans | -0.0089% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6193% | 4,346 |
| Assets per employee ($millions) | 5.5495% | 2,065 |
| Cash dividends to net income (ytd only)* | 6.9005% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3188% | 319 |
| Loan loss allowance to noncurrent loans | 195.6715% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,031 |
| Noncurrent loans to loans | 1.1850% | 1,388 |
| Net loans and leases to total assets | 54.2657% | 3,963 |
| Net loans and leases to deposits | 64.4877% | 3,951 |
| Net loans and leases to core deposits | 67.7041% | 4,004 |
| Total domestic deposits to total assets | 84.1489% | 2,738 |
| Equity capital to assets | 15.4306% | 692 |
| Core capital (leverage) ratio | 15.2311% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0009% | 493 |
| Memoranda: | ||
| Average total assets | $474,262,500 | 1,523 |
| Average earning assets | $458,529,000 | 1,473 |
| Average equity | $72,101,000 | 1,235 |
| Average total loans | $268,517,500 | 1,765 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1654% | 3,897 |
| Cost of funding earning assets | 0.2652% | 4,813 |
| Net interest margin | 3.9002% | 2,171 |
| Noninterest income to average assets | 0.5097% | 2,680 |
| Noninterest expense to average assets | 2.3127% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5323% | 985 |
| Return on assets (ROA) | 1.5325% | 1,035 |
| Pretax return on assets | 1.9358% | 684 |
| Return on Equity (ROE) | 10.2166% | 2,198 |
| Retained earnings to average equity (ytd only) | 3.0429% | 3,504 |
| Net charge-offs to loans | -0.0453% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4383% | 4,384 |
| Assets per employee ($millions) | 5.4798% | 2,081 |
| Cash dividends to net income (ytd only)* | 70.2164% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2589% | 305 |
| Loan loss allowance to noncurrent loans | 198.3850% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.6570% | 1,944 |
| Noncurrent loans to loans | 1.1387% | 1,327 |
| Net loans and leases to total assets | 56.3922% | 3,897 |
| Net loans and leases to deposits | 66.4319% | 3,929 |
| Net loans and leases to core deposits | 69.6917% | 3,974 |
| Total domestic deposits to total assets | 84.8872% | 2,543 |
| Equity capital to assets | 14.9721% | 800 |
| Core capital (leverage) ratio | 14.9983% | 691 |
| Tier 1 risk-based capital ratio | 22.0023% | 1,022 |
| Total risk-based capital ratio | 23.2610% | 1,000 |
| Memoranda: | ||
| Average total assets | $461,410,200 | 1,518 |
| Average earning assets | $442,290,400 | 1,477 |
| Average equity | $69,210,800 | 1,230 |
| Average total loans | $260,229,600 | 1,775 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2276% | 3,864 |
| Cost of funding earning assets | 0.2503% | 4,923 |
| Net interest margin | 3.9773% | 2,029 |
| Noninterest income to average assets | 0.5136% | 2,647 |
| Noninterest expense to average assets | 2.2858% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5520% | 1,054 |
| Return on assets (ROA) | 1.5522% | 1,106 |
| Pretax return on assets | 2.0374% | 637 |
| Return on Equity (ROE) | 10.3433% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.9641% | 4,573 |
| Net charge-offs to loans | -0.0492% | 4,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8763% | 4,520 |
| Assets per employee ($millions) | 5.4960% | 2,036 |
| Cash dividends to net income (ytd only)* | 90.6794% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2782% | 298 |
| Loan loss allowance to noncurrent loans | 351.0614% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 2,993 |
| Noncurrent loans to loans | 0.6490% | 2,336 |
| Net loans and leases to total assets | 56.8520% | 3,982 |
| Net loans and leases to deposits | 67.2194% | 3,976 |
| Net loans and leases to core deposits | 69.3667% | 4,087 |
| Total domestic deposits to total assets | 84.5767% | 2,595 |
| Equity capital to assets | 14.9228% | 863 |
| Core capital (leverage) ratio | 15.1155% | 719 |
| Tier 1 risk-based capital ratio | 21.7314% | 1,108 |
| Total risk-based capital ratio | 22.9905% | 1,076 |
| Memoranda: | ||
| Average total assets | $458,946,750 | 1,532 |
| Average earning assets | $439,545,750 | 1,490 |
| Average equity | $68,874,000 | 1,233 |
| Average total loans | $257,312,500 | 1,802 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 3,732 |
| Cost of funding earning assets | 0.2357% | 4,994 |
| Net interest margin | 4.0337% | 1,821 |
| Noninterest income to average assets | 0.4895% | 2,736 |
| Noninterest expense to average assets | 2.2836% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5737% | 964 |
| Return on assets (ROA) | 1.5741% | 1,000 |
| Pretax return on assets | 2.0701% | 592 |
| Return on Equity (ROE) | 10.4694% | 2,194 |
| Retained earnings to average equity (ytd only) | 10.4519% | 645 |
| Net charge-offs to loans | -0.0710% | 4,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4574% | 4,618 |
| Assets per employee ($millions) | 5.3724% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.1664% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3034% | 294 |
| Loan loss allowance to noncurrent loans | 714.2523% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,823 |
| Noncurrent loans to loans | 0.3225% | 3,377 |
| Net loans and leases to total assets | 57.4631% | 3,964 |
| Net loans and leases to deposits | 68.6078% | 3,934 |
| Net loans and leases to core deposits | 70.7688% | 4,074 |
| Total domestic deposits to total assets | 83.7559% | 2,963 |
| Equity capital to assets | 15.9153% | 629 |
| Core capital (leverage) ratio | 15.8174% | 572 |
| Tier 1 risk-based capital ratio | 22.9204% | 953 |
| Total risk-based capital ratio | 24.1795% | 926 |
| Memoranda: | ||
| Average total assets | $458,041,000 | 1,537 |
| Average earning assets | $438,753,330 | 1,497 |
| Average equity | $68,867,670 | 1,223 |
| Average total loans | $253,555,330 | 1,828 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,626 |
| Cost of funding earning assets | 0.2054% | 5,106 |
| Net interest margin | 3.6458% | 3,087 |
| Noninterest income to average assets | 0.4577% | 2,809 |
| Noninterest expense to average assets | 2.2574% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2821% | 1,766 |
| Return on assets (ROA) | 1.2821% | 1,810 |
| Pretax return on assets | 1.6783% | 1,263 |
| Return on Equity (ROE) | 8.7788% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.7788% | 1,393 |
| Net charge-offs to loans | -0.1405% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3568% | 4,161 |
| Assets per employee ($millions) | 5.4740% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4644% | 258 |
| Loan loss allowance to noncurrent loans | 231.3896% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,348 |
| Noncurrent loans to loans | 1.0650% | 1,566 |
| Net loans and leases to total assets | 52.5999% | 4,296 |
| Net loans and leases to deposits | 62.0529% | 4,298 |
| Net loans and leases to core deposits | 63.8740% | 4,387 |
| Total domestic deposits to total assets | 84.7662% | 2,765 |
| Equity capital to assets | 14.9446% | 765 |
| Core capital (leverage) ratio | 15.2515% | 647 |
| Tier 1 risk-based capital ratio | 22.7633% | 963 |
| Total risk-based capital ratio | 24.0237% | 939 |
| Memoranda: | ||
| Average total assets | $461,420,000 | 1,544 |
| Average earning assets | $440,183,000 | 1,506 |
| Average equity | $67,390,000 | 1,239 |
| Average total loans | $247,615,500 | 1,870 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6708% | 4,707 |
| Cost of funding earning assets | 0.1794% | 5,076 |
| Net interest margin | 3.4915% | 3,730 |
| Noninterest income to average assets | 0.5222% | 2,704 |
| Noninterest expense to average assets | 2.2705% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2711% | 1,911 |
| Return on assets (ROA) | 1.2711% | 1,908 |
| Pretax return on assets | 1.6031% | 1,460 |
| Return on Equity (ROE) | 9.1919% | 2,897 |
| Retained earnings to average equity (ytd only) | 9.1919% | 804 |
| Net charge-offs to loans | -0.0369% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6138% | 4,062 |
| Assets per employee ($millions) | 5.5122% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4363% | 244 |
| Loan loss allowance to noncurrent loans | 614.6939% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,765 |
| Noncurrent loans to loans | 0.3963% | 3,110 |
| Net loans and leases to total assets | 52.0996% | 4,403 |
| Net loans and leases to deposits | 60.9087% | 4,434 |
| Net loans and leases to core deposits | 62.5919% | 4,513 |
| Total domestic deposits to total assets | 85.5371% | 2,425 |
| Equity capital to assets | 14.2676% | 898 |
| Core capital (leverage) ratio | 14.5294% | 791 |
| Tier 1 risk-based capital ratio | 22.1937% | 1,003 |
| Total risk-based capital ratio | 23.4546% | 980 |
| Memoranda: | ||
| Average total assets | $454,797,400 | 1,523 |
| Average earning assets | $436,551,800 | 1,487 |
| Average equity | $62,892,600 | 1,272 |
| Average total loans | $225,066,000 | 1,988 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,831 |
| Cost of funding earning assets | 0.1744% | 5,123 |
| Net interest margin | 3.4071% | 3,988 |
| Noninterest income to average assets | 0.5269% | 2,701 |
| Noninterest expense to average assets | 2.2284% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2110% | 2,199 |
| Return on assets (ROA) | 1.2110% | 2,202 |
| Pretax return on assets | 1.5835% | 1,622 |
| Return on Equity (ROE) | 8.8286% | 3,168 |
| Retained earnings to average equity (ytd only) | 8.8286% | 1,292 |
| Net charge-offs to loans | -0.0443% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4595% | 4,049 |
| Assets per employee ($millions) | 5.3729% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4965% | 240 |
| Loan loss allowance to noncurrent loans | 797.6127% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 4,129 |
| Noncurrent loans to loans | 0.3130% | 3,548 |
| Net loans and leases to total assets | 52.0423% | 4,483 |
| Net loans and leases to deposits | 60.9051% | 4,505 |
| Net loans and leases to core deposits | 62.8659% | 4,580 |
| Total domestic deposits to total assets | 85.4482% | 2,430 |
| Equity capital to assets | 14.0942% | 932 |
| Core capital (leverage) ratio | 14.6016% | 798 |
| Tier 1 risk-based capital ratio | 21.9084% | 1,063 |
| Total risk-based capital ratio | 23.1701% | 1,041 |
| Memoranda: | ||
| Average total assets | $452,740,000 | 1,539 |
| Average earning assets | $436,525,750 | 1,492 |
| Average equity | $62,100,000 | 1,285 |
| Average total loans | $219,517,750 | 2,036 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4246% | 5,011 |
| Cost of funding earning assets | 0.1702% | 5,154 |
| Net interest margin | 3.2544% | 4,373 |
| Noninterest income to average assets | 0.4898% | 2,916 |
| Noninterest expense to average assets | 2.2285% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0759% | 2,683 |
| Return on assets (ROA) | 1.0759% | 2,690 |
| Pretax return on assets | 1.4007% | 2,142 |
| Return on Equity (ROE) | 7.9161% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.9161% | 1,662 |
| Net charge-offs to loans | -0.0565% | 4,964 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4056% | 3,711 |
| Assets per employee ($millions) | 5.2775% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 200 |
| Loan loss allowance to noncurrent loans | 697.7907% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1940% | 4,018 |
| Noncurrent loans to loans | 0.3856% | 3,315 |
| Net loans and leases to total assets | 48.9510% | 4,665 |
| Net loans and leases to deposits | 57.2269% | 4,684 |
| Net loans and leases to core deposits | 58.8983% | 4,753 |
| Total domestic deposits to total assets | 85.5384% | 2,483 |
| Equity capital to assets | 14.0509% | 917 |
| Core capital (leverage) ratio | 14.1211% | 876 |
| Tier 1 risk-based capital ratio | 22.5301% | 981 |
| Total risk-based capital ratio | 23.7935% | 961 |
| Memoranda: | ||
| Average total assets | $453,211,000 | 1,548 |
| Average earning assets | $437,192,670 | 1,499 |
| Average equity | $61,596,330 | 1,293 |
| Average total loans | $212,392,000 | 2,092 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3213% | 5,111 |
| Cost of funding earning assets | 0.1656% | 5,185 |
| Net interest margin | 3.1557% | 4,588 |
| Noninterest income to average assets | 0.4802% | 2,937 |
| Noninterest expense to average assets | 2.2341% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9909% | 2,885 |
| Return on assets (ROA) | 0.9909% | 2,913 |
| Pretax return on assets | 1.2904% | 2,407 |
| Return on Equity (ROE) | 7.4122% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.4122% | 2,097 |
| Net charge-offs to loans | -0.1140% | 5,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3887% | 3,579 |
| Assets per employee ($millions) | 5.4663% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9153% | 171 |
| Loan loss allowance to noncurrent loans | 722.0217% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 4,117 |
| Noncurrent loans to loans | 0.4038% | 3,337 |
| Net loans and leases to total assets | 43.5154% | 4,919 |
| Net loans and leases to deposits | 50.4434% | 4,943 |
| Net loans and leases to core deposits | 51.9183% | 4,981 |
| Total domestic deposits to total assets | 86.2657% | 2,414 |
| Equity capital to assets | 13.3323% | 1,101 |
| Core capital (leverage) ratio | 13.7550% | 932 |
| Tier 1 risk-based capital ratio | 22.8955% | 954 |
| Total risk-based capital ratio | 24.1599% | 933 |
| Memoranda: | ||
| Average total assets | $458,161,000 | 1,546 |
| Average earning assets | $441,993,000 | 1,485 |
| Average equity | $61,250,000 | 1,302 |
| Average total loans | $207,085,000 | 2,139 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2969% | 5,085 |
| Cost of funding earning assets | 0.1742% | 5,131 |
| Net interest margin | 3.1227% | 4,646 |
| Noninterest income to average assets | 0.4830% | 3,107 |
| Noninterest expense to average assets | 2.3165% | 4,281 |
| Loan and lease loss provision to assets | -0.1685% | 5,555 |
| Net operating income to assets | 0.9002% | 2,705 |
| Return on assets (ROA) | 0.9002% | 2,739 |
| Pretax return on assets | 1.3361% | 2,228 |
| Return on Equity (ROE) | 6.5640% | 3,500 |
| Retained earnings to average equity (ytd only) | -2.0427% | 5,285 |
| Net charge-offs to loans | -0.2716% | 5,554 |
| Credit loss provision to net charge-offs | 140.7129% | 1,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4883% | 3,173 |
| Assets per employee ($millions) | 5.4423% | 1,994 |
| Cash dividends to net income (ytd only)* | 131.1205% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8513% | 168 |
| Loan loss allowance to noncurrent loans | 596.4859% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,044 |
| Noncurrent loans to loans | 0.4780% | 3,078 |
| Net loans and leases to total assets | 44.2784% | 4,963 |
| Net loans and leases to deposits | 51.3407% | 5,013 |
| Net loans and leases to core deposits | 53.0511% | 5,041 |
| Total domestic deposits to total assets | 86.2442% | 2,330 |
| Equity capital to assets | 13.4052% | 1,096 |
| Core capital (leverage) ratio | 13.4861% | 969 |
| Tier 1 risk-based capital ratio | 22.7669% | 938 |
| Total risk-based capital ratio | 24.0305% | 920 |
| Memoranda: | ||
| Average total assets | $445,113,400 | 1,560 |
| Average earning assets | $427,768,600 | 1,510 |
| Average equity | $61,045,200 | 1,293 |
| Average total loans | $196,270,800 | 2,189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2817% | 5,137 |
| Cost of funding earning assets | 0.1758% | 5,157 |
| Net interest margin | 3.1060% | 4,700 |
| Noninterest income to average assets | 0.4907% | 3,082 |
| Noninterest expense to average assets | 2.2887% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8517% | 3,267 |
| Return on assets (ROA) | 0.8517% | 3,316 |
| Pretax return on assets | 1.1864% | 2,960 |
| Return on Equity (ROE) | 6.1739% | 4,044 |
| Retained earnings to average equity (ytd only) | -5.0458% | 5,544 |
| Net charge-offs to loans | -0.3636% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8596% | 3,235 |
| Assets per employee ($millions) | 5.3692% | 2,048 |
| Cash dividends to net income (ytd only)* | 181.7281% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2531% | 117 |
| Loan loss allowance to noncurrent loans | 689.8865% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,192 |
| Noncurrent loans to loans | 0.4715% | 3,274 |
| Net loans and leases to total assets | 44.6125% | 5,001 |
| Net loans and leases to deposits | 52.0711% | 5,052 |
| Net loans and leases to core deposits | 53.8782% | 5,074 |
| Total domestic deposits to total assets | 85.6761% | 2,439 |
| Equity capital to assets | 13.7701% | 1,056 |
| Core capital (leverage) ratio | 13.5956% | 990 |
| Tier 1 risk-based capital ratio | 22.7682% | 965 |
| Total risk-based capital ratio | 24.0356% | 949 |
| Memoranda: | ||
| Average total assets | $442,104,000 | 1,582 |
| Average earning assets | $424,807,500 | 1,532 |
| Average equity | $60,986,000 | 1,305 |
| Average total loans | $193,248,500 | 2,229 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2247% | 5,203 |
| Cost of funding earning assets | 0.1761% | 5,167 |
| Net interest margin | 3.0486% | 4,794 |
| Noninterest income to average assets | 0.4876% | 3,103 |
| Noninterest expense to average assets | 2.2802% | 4,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8192% | 3,301 |
| Return on assets (ROA) | 0.8192% | 3,355 |
| Pretax return on assets | 1.1367% | 3,021 |
| Return on Equity (ROE) | 5.9350% | 4,076 |
| Retained earnings to average equity (ytd only) | -10.5357% | 5,662 |
| Net charge-offs to loans | -0.5540% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7330% | 3,222 |
| Assets per employee ($millions) | 5.2796% | 2,081 |
| Cash dividends to net income (ytd only)* | 277.5194% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4059% | 110 |
| Loan loss allowance to noncurrent loans | 625.0702% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 4,162 |
| Noncurrent loans to loans | 0.5449% | 3,111 |
| Net loans and leases to total assets | 43.2456% | 5,082 |
| Net loans and leases to deposits | 50.4736% | 5,120 |
| Net loans and leases to core deposits | 52.2519% | 5,136 |
| Total domestic deposits to total assets | 85.6797% | 2,531 |
| Equity capital to assets | 13.8142% | 1,029 |
| Core capital (leverage) ratio | 13.4560% | 1,010 |
| Tier 1 risk-based capital ratio | 23.0505% | 948 |
| Total risk-based capital ratio | 24.3187% | 935 |
| Memoranda: | ||
| Average total assets | $440,925,330 | 1,588 |
| Average earning assets | $423,672,670 | 1,537 |
| Average equity | $60,859,670 | 1,304 |
| Average total loans | $189,166,000 | 2,266 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1740% | 5,275 |
| Cost of funding earning assets | 0.1763% | 5,183 |
| Net interest margin | 2.9977% | 4,897 |
| Noninterest income to average assets | 0.5110% | 2,906 |
| Noninterest expense to average assets | 2.3279% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7669% | 3,389 |
| Return on assets (ROA) | 0.7669% | 3,441 |
| Pretax return on assets | 1.0581% | 3,144 |
| Return on Equity (ROE) | 5.5587% | 4,113 |
| Retained earnings to average equity (ytd only) | -26.4757% | 5,780 |
| Net charge-offs to loans | -1.1117% | 5,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7500% | 3,089 |
| Assets per employee ($millions) | 5.2498% | 2,134 |
| Cash dividends to net income (ytd only)* | 576.2972% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6809% | 102 |
| Loan loss allowance to noncurrent loans | 559.4300% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 4,127 |
| Noncurrent loans to loans | 0.6580% | 2,860 |
| Net loans and leases to total assets | 39.6022% | 5,261 |
| Net loans and leases to deposits | 45.9730% | 5,303 |
| Net loans and leases to core deposits | 47.5761% | 5,317 |
| Total domestic deposits to total assets | 86.1423% | 2,610 |
| Equity capital to assets | 13.4328% | 1,096 |
| Core capital (leverage) ratio | 13.1404% | 1,089 |
| Tier 1 risk-based capital ratio | 23.8934% | 883 |
| Total risk-based capital ratio | 25.1642% | 860 |
| Memoranda: | ||
| Average total assets | $442,283,500 | 1,595 |
| Average earning assets | $424,198,500 | 1,550 |
| Average equity | $61,022,000 | 1,305 |
| Average total loans | $185,655,000 | 2,309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1906% | 5,316 |
| Cost of funding earning assets | 0.1822% | 5,186 |
| Net interest margin | 3.0084% | 4,943 |
| Noninterest income to average assets | 0.4945% | 3,275 |
| Noninterest expense to average assets | 2.1952% | 4,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8127% | 3,246 |
| Return on assets (ROA) | 0.9085% | 2,893 |
| Pretax return on assets | 1.3418% | 2,132 |
| Return on Equity (ROE) | 6.4447% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.6666% | 1,910 |
| Net charge-offs to loans | -0.0268% | 5,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6393% | 3,829 |
| Assets per employee ($millions) | 5.2808% | 2,085 |
| Cash dividends to net income (ytd only)* | 12.0732% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2411% | 138 |
| Loan loss allowance to noncurrent loans | 437.0476% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 3,968 |
| Noncurrent loans to loans | 0.7416% | 2,673 |
| Net loans and leases to total assets | 41.4440% | 5,258 |
| Net loans and leases to deposits | 48.4391% | 5,278 |
| Net loans and leases to core deposits | 50.2427% | 5,298 |
| Total domestic deposits to total assets | 85.5591% | 2,804 |
| Equity capital to assets | 14.1591% | 840 |
| Core capital (leverage) ratio | 13.9047% | 840 |
| Tier 1 risk-based capital ratio | 24.3219% | 837 |
| Total risk-based capital ratio | 25.5891% | 810 |
| Memoranda: | ||
| Average total assets | $444,918,800 | 1,527 |
| Average earning assets | $429,129,200 | 1,474 |
| Average equity | $62,718,600 | 1,246 |
| Average total loans | $186,559,000 | 2,243 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 5,378 |
| Cost of funding earning assets | 0.1827% | 5,242 |
| Net interest margin | 3.0067% | 5,001 |
| Noninterest income to average assets | 0.5028% | 3,229 |
| Noninterest expense to average assets | 2.1992% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8591% | 3,107 |
| Return on assets (ROA) | 0.9924% | 2,613 |
| Pretax return on assets | 1.3993% | 2,038 |
| Return on Equity (ROE) | 7.0476% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.2735% | 2,024 |
| Net charge-offs to loans | -0.0366% | 5,241 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4776% | 3,855 |
| Assets per employee ($millions) | 5.2830% | 2,065 |
| Cash dividends to net income (ytd only)* | 10.9837% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1466% | 160 |
| Loan loss allowance to noncurrent loans | 376.9278% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 3,886 |
| Noncurrent loans to loans | 0.8348% | 2,594 |
| Net loans and leases to total assets | 43.2340% | 5,241 |
| Net loans and leases to deposits | 51.0358% | 5,251 |
| Net loans and leases to core deposits | 53.0402% | 5,265 |
| Total domestic deposits to total assets | 84.7131% | 2,938 |
| Equity capital to assets | 14.7494% | 801 |
| Core capital (leverage) ratio | 14.3264% | 768 |
| Tier 1 risk-based capital ratio | 24.5715% | 852 |
| Total risk-based capital ratio | 25.8365% | 838 |
| Memoranda: | ||
| Average total assets | $445,252,000 | 1,525 |
| Average earning assets | $430,621,500 | 1,469 |
| Average equity | $62,696,250 | 1,256 |
| Average total loans | $185,699,250 | 2,259 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1400% | 5,505 |
| Cost of funding earning assets | 0.1820% | 5,303 |
| Net interest margin | 2.9580% | 5,158 |
| Noninterest income to average assets | 0.5006% | 3,185 |
| Noninterest expense to average assets | 2.1510% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8652% | 3,025 |
| Return on assets (ROA) | 0.9242% | 2,883 |
| Pretax return on assets | 1.2943% | 2,431 |
| Return on Equity (ROE) | 6.6670% | 3,710 |
| Retained earnings to average equity (ytd only) | 5.8836% | 2,195 |
| Net charge-offs to loans | -0.0406% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9771% | 4,018 |
| Assets per employee ($millions) | 5.2732% | 2,010 |
| Cash dividends to net income (ytd only)* | 11.7505% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2011% | 159 |
| Loan loss allowance to noncurrent loans | 341.0100% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 3,854 |
| Noncurrent loans to loans | 0.9387% | 2,399 |
| Net loans and leases to total assets | 42.4556% | 5,316 |
| Net loans and leases to deposits | 50.8245% | 5,298 |
| Net loans and leases to core deposits | 52.8617% | 5,330 |
| Total domestic deposits to total assets | 83.5337% | 3,449 |
| Equity capital to assets | 14.6469% | 829 |
| Core capital (leverage) ratio | 13.9218% | 846 |
| Tier 1 risk-based capital ratio | 24.0383% | 899 |
| Total risk-based capital ratio | 25.3027% | 882 |
| Memoranda: | ||
| Average total assets | $447,505,000 | 1,527 |
| Average earning assets | $432,934,670 | 1,471 |
| Average equity | $62,036,670 | 1,270 |
| Average total loans | $182,353,330 | 2,294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0138% | 5,678 |
| Cost of funding earning assets | 0.1801% | 5,375 |
| Net interest margin | 2.8337% | 5,422 |
| Noninterest income to average assets | 0.4615% | 3,406 |
| Noninterest expense to average assets | 2.1546% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7595% | 3,440 |
| Return on assets (ROA) | 0.7595% | 3,549 |
| Pretax return on assets | 1.0477% | 3,286 |
| Return on Equity (ROE) | 5.6326% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.8457% | 3,037 |
| Net charge-offs to loans | -0.0428% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2833% | 3,585 |
| Assets per employee ($millions) | 5.4106% | 1,914 |
| Cash dividends to net income (ytd only)* | 13.9697% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5076% | 136 |
| Loan loss allowance to noncurrent loans | 298.4413% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.5338% | 3,478 |
| Noncurrent loans to loans | 1.1753% | 2,061 |
| Net loans and leases to total assets | 37.5322% | 5,574 |
| Net loans and leases to deposits | 43.7255% | 5,602 |
| Net loans and leases to core deposits | 45.4384% | 5,610 |
| Total domestic deposits to total assets | 85.8360% | 2,747 |
| Equity capital to assets | 13.8153% | 1,049 |
| Core capital (leverage) ratio | 13.5765% | 956 |
| Tier 1 risk-based capital ratio | 24.6240% | 852 |
| Total risk-based capital ratio | 25.8899% | 828 |
| Memoranda: | ||
| Average total assets | $452,419,500 | 1,514 |
| Average earning assets | $437,593,500 | 1,457 |
| Average equity | $61,002,000 | 1,282 |
| Average total loans | $177,548,500 | 2,341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 5,679 |
| Cost of funding earning assets | 0.1851% | 5,396 |
| Net interest margin | 2.8771% | 5,377 |
| Noninterest income to average assets | 0.6286% | 2,567 |
| Noninterest expense to average assets | 2.2060% | 5,038 |
| Loan and lease loss provision to assets | -0.1699% | 5,952 |
| Net operating income to assets | 1.0302% | 2,212 |
| Return on assets (ROA) | 1.0383% | 2,262 |
| Pretax return on assets | 1.3738% | 2,005 |
| Return on Equity (ROE) | 7.8516% | 3,037 |
| Retained earnings to average equity (ytd only) | 7.0089% | 1,276 |
| Net charge-offs to loans | -0.1739% | 5,934 |
| Credit loss provision to net charge-offs | 246.7105% | 1,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8964% | 4,097 |
| Assets per employee ($millions) | 5.5580% | 1,731 |
| Cash dividends to net income (ytd only)* | 10.7330% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3854% | 146 |
| Loan loss allowance to noncurrent loans | 346.0623% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5562% | 3,431 |
| Noncurrent loans to loans | 0.9783% | 2,380 |
| Net loans and leases to total assets | 38.2466% | 5,612 |
| Net loans and leases to deposits | 44.1083% | 5,649 |
| Net loans and leases to core deposits | 45.6940% | 5,663 |
| Total domestic deposits to total assets | 86.7107% | 2,269 |
| Equity capital to assets | 13.1565% | 1,278 |
| Core capital (leverage) ratio | 13.0317% | 1,140 |
| Tier 1 risk-based capital ratio | 23.7204% | 940 |
| Total risk-based capital ratio | 24.9870% | 930 |
| Memoranda: | ||
| Average total assets | $441,483,200 | 1,511 |
| Average earning assets | $425,150,800 | 1,466 |
| Average equity | $58,382,800 | 1,288 |
| Average total loans | $174,801,600 | 2,298 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0668% | 5,749 |
| Cost of funding earning assets | 0.1873% | 5,478 |
| Net interest margin | 2.8795% | 5,448 |
| Noninterest income to average assets | 0.6841% | 2,307 |
| Noninterest expense to average assets | 2.2390% | 4,942 |
| Loan and lease loss provision to assets | -0.2284% | 6,120 |
| Net operating income to assets | 1.0317% | 2,319 |
| Return on assets (ROA) | 1.0419% | 2,354 |
| Pretax return on assets | 1.4590% | 1,806 |
| Return on Equity (ROE) | 7.8681% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.0243% | 1,672 |
| Net charge-offs to loans | -0.2176% | 6,013 |
| Credit loss provision to net charge-offs | 265.0177% | 1,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7987% | 4,101 |
| Assets per employee ($millions) | 5.5775% | 1,702 |
| Cash dividends to net income (ytd only)* | 10.7247% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3500% | 172 |
| Loan loss allowance to noncurrent loans | 230.6556% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,949 |
| Noncurrent loans to loans | 1.4524% | 1,721 |
| Net loans and leases to total assets | 39.8558% | 5,597 |
| Net loans and leases to deposits | 46.3767% | 5,632 |
| Net loans and leases to core deposits | 48.1916% | 5,648 |
| Total domestic deposits to total assets | 85.9393% | 2,559 |
| Equity capital to assets | 13.6171% | 1,170 |
| Core capital (leverage) ratio | 13.5505% | 998 |
| Tier 1 risk-based capital ratio | 24.2033% | 929 |
| Total risk-based capital ratio | 25.4692% | 911 |
| Memoranda: | ||
| Average total assets | $437,914,500 | 1,533 |
| Average earning assets | $421,446,000 | 1,482 |
| Average equity | $57,988,000 | 1,306 |
| Average total loans | $173,397,000 | 2,327 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0235% | 5,837 |
| Cost of funding earning assets | 0.1881% | 5,545 |
| Net interest margin | 2.8354% | 5,545 |
| Noninterest income to average assets | 0.7890% | 1,824 |
| Noninterest expense to average assets | 2.2338% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9236% | 2,766 |
| Return on assets (ROA) | 0.9451% | 2,779 |
| Pretax return on assets | 1.3103% | 2,322 |
| Return on Equity (ROE) | 7.2055% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.3471% | 2,033 |
| Net charge-offs to loans | -0.3141% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5630% | 4,417 |
| Assets per employee ($millions) | 5.4684% | 1,767 |
| Cash dividends to net income (ytd only)* | 11.9128% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7331% | 134 |
| Loan loss allowance to noncurrent loans | 252.8540% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 2,970 |
| Noncurrent loans to loans | 1.4764% | 1,797 |
| Net loans and leases to total assets | 40.7227% | 5,588 |
| Net loans and leases to deposits | 48.0032% | 5,600 |
| Net loans and leases to core deposits | 50.0240% | 5,615 |
| Total domestic deposits to total assets | 84.8333% | 3,196 |
| Equity capital to assets | 13.4816% | 1,176 |
| Core capital (leverage) ratio | 13.2109% | 1,088 |
| Tier 1 risk-based capital ratio | 23.2596% | 1,042 |
| Total risk-based capital ratio | 24.5297% | 1,022 |
| Memoranda: | ||
| Average total assets | $437,011,330 | 1,545 |
| Average earning assets | $420,045,000 | 1,494 |
| Average equity | $57,317,330 | 1,326 |
| Average total loans | $170,629,000 | 2,370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9107% | 5,983 |
| Cost of funding earning assets | 0.1866% | 5,629 |
| Net interest margin | 2.7241% | 5,769 |
| Noninterest income to average assets | 1.1030% | 930 |
| Noninterest expense to average assets | 2.3171% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0038% | 2,249 |
| Return on assets (ROA) | 1.0038% | 2,387 |
| Pretax return on assets | 1.4034% | 1,875 |
| Return on Equity (ROE) | 7.7600% | 3,093 |
| Retained earnings to average equity (ytd only) | 6.8806% | 2,062 |
| Net charge-offs to loans | -0.0705% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2798% | 4,758 |
| Assets per employee ($millions) | 5.5149% | 1,784 |
| Cash dividends to net income (ytd only)* | 11.3327% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9287% | 139 |
| Loan loss allowance to noncurrent loans | 246.1855% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 3,101 |
| Noncurrent loans to loans | 1.5958% | 1,752 |
| Net loans and leases to total assets | 36.9488% | 5,778 |
| Net loans and leases to deposits | 42.8073% | 5,807 |
| Net loans and leases to core deposits | 44.5637% | 5,825 |
| Total domestic deposits to total assets | 86.3141% | 2,760 |
| Equity capital to assets | 13.3379% | 1,244 |
| Core capital (leverage) ratio | 13.0176% | 1,149 |
| Tier 1 risk-based capital ratio | 23.8847% | 1,009 |
| Total risk-based capital ratio | 25.1537% | 993 |
| Memoranda: | ||
| Average total assets | $439,514,500 | 1,551 |
| Average earning assets | $422,303,000 | 1,497 |
| Average equity | $56,855,500 | 1,340 |
| Average total loans | $164,570,500 | 2,439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2313% | 5,795 |
| Cost of funding earning assets | 0.2024% | 5,722 |
| Net interest margin | 3.0289% | 5,377 |
| Noninterest income to average assets | 0.5106% | 3,427 |
| Noninterest expense to average assets | 2.3196% | 5,059 |
| Loan and lease loss provision to assets | -0.4211% | 6,429 |
| Net operating income to assets | 1.0869% | 2,024 |
| Return on assets (ROA) | 1.0709% | 2,136 |
| Pretax return on assets | 1.4677% | 1,662 |
| Return on Equity (ROE) | 8.3641% | 2,933 |
| Retained earnings to average equity (ytd only) | 6.8551% | 1,473 |
| Net charge-offs to loans | -1.5039% | 6,455 |
| Credit loss provision to net charge-offs | 71.3412% | 3,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4633% | 3,812 |
| Assets per employee ($millions) | 5.6121% | 1,680 |
| Cash dividends to net income (ytd only)* | 18.0409% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0834% | 125 |
| Loan loss allowance to noncurrent loans | 139.4631% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 1,589 |
| Noncurrent loans to loans | 2.9279% | 779 |
| Net loans and leases to total assets | 34.9570% | 5,996 |
| Net loans and leases to deposits | 40.0652% | 6,035 |
| Net loans and leases to core deposits | 41.6027% | 6,056 |
| Total domestic deposits to total assets | 87.2503% | 2,147 |
| Equity capital to assets | 12.5410% | 1,622 |
| Core capital (leverage) ratio | 12.5116% | 1,350 |
| Tier 1 risk-based capital ratio | 24.6543% | 872 |
| Total risk-based capital ratio | 25.9254% | 851 |
| Memoranda: | ||
| Average total assets | $415,625,000 | 1,590 |
| Average earning assets | $394,858,000 | 1,548 |
| Average equity | $53,215,800 | 1,375 |
| Average total loans | $163,110,800 | 2,400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1722% | 5,932 |
| Cost of funding earning assets | 0.2051% | 5,777 |
| Net interest margin | 2.9671% | 5,567 |
| Noninterest income to average assets | 0.5213% | 3,399 |
| Noninterest expense to average assets | 2.4174% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7008% | 3,936 |
| Return on assets (ROA) | 0.6782% | 4,145 |
| Pretax return on assets | 0.8916% | 4,024 |
| Return on Equity (ROE) | 5.2679% | 4,598 |
| Retained earnings to average equity (ytd only) | 3.5449% | 4,123 |
| Net charge-offs to loans | -1.9686% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4057% | 3,106 |
| Assets per employee ($millions) | 5.1195% | 2,116 |
| Cash dividends to net income (ytd only)* | 32.7079% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0244% | 79 |
| Loan loss allowance to noncurrent loans | 135.6350% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 2.1976% | 1,257 |
| Noncurrent loans to loans | 3.7044% | 615 |
| Net loans and leases to total assets | 37.8762% | 5,951 |
| Net loans and leases to deposits | 43.6534% | 5,989 |
| Net loans and leases to core deposits | 45.3709% | 5,982 |
| Total domestic deposits to total assets | 86.7658% | 2,441 |
| Equity capital to assets | 12.8963% | 1,479 |
| Core capital (leverage) ratio | 12.8714% | 1,237 |
| Tier 1 risk-based capital ratio | 24.1070% | 977 |
| Total risk-based capital ratio | 25.3891% | 955 |
| Memoranda: | ||
| Average total assets | $408,693,000 | 1,635 |
| Average earning assets | $388,072,750 | 1,579 |
| Average equity | $52,619,500 | 1,398 |
| Average total loans | $163,493,250 | 2,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1977% | 5,957 |
| Cost of funding earning assets | 0.2069% | 5,856 |
| Net interest margin | 2.9908% | 5,552 |
| Noninterest income to average assets | 0.5291% | 3,275 |
| Noninterest expense to average assets | 2.4396% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7042% | 3,819 |
| Return on assets (ROA) | 0.7042% | 3,911 |
| Pretax return on assets | 0.9255% | 3,781 |
| Return on Equity (ROE) | 5.4726% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.5669% | 3,261 |
| Net charge-offs to loans | -2.2374% | 6,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4974% | 3,244 |
| Assets per employee ($millions) | 5.0972% | 2,094 |
| Cash dividends to net income (ytd only)* | 16.5503% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6138% | 106 |
| Loan loss allowance to noncurrent loans | 120.2962% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 2.3024% | 1,296 |
| Noncurrent loans to loans | 3.8354% | 638 |
| Net loans and leases to total assets | 38.6418% | 5,914 |
| Net loans and leases to deposits | 44.5618% | 5,953 |
| Net loans and leases to core deposits | 46.3530% | 5,978 |
| Total domestic deposits to total assets | 86.7150% | 2,622 |
| Equity capital to assets | 12.9604% | 1,392 |
| Core capital (leverage) ratio | 12.8808% | 1,206 |
| Tier 1 risk-based capital ratio | 23.4736% | 1,051 |
| Total risk-based capital ratio | 24.7511% | 1,030 |
| Memoranda: | ||
| Average total assets | $406,698,330 | 1,637 |
| Average earning assets | $385,654,330 | 1,593 |
| Average equity | $52,333,330 | 1,390 |
| Average total loans | $162,866,670 | 2,416 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 6,241 |
| Cost of funding earning assets | 0.2092% | 5,927 |
| Net interest margin | 2.7966% | 5,943 |
| Noninterest income to average assets | 0.5114% | 3,321 |
| Noninterest expense to average assets | 2.5143% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5183% | 4,593 |
| Return on assets (ROA) | 0.5183% | 4,668 |
| Pretax return on assets | 0.6472% | 4,675 |
| Return on Equity (ROE) | 4.0429% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.1230% | 4,250 |
| Net charge-offs to loans | -2.5593% | 6,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5298% | 2,271 |
| Assets per employee ($millions) | 5.1021% | 2,125 |
| Cash dividends to net income (ytd only)* | 22.7533% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3816% | 139 |
| Loan loss allowance to noncurrent loans | 89.2714% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 2.4786% | 1,296 |
| Noncurrent loans to loans | 4.9082% | 461 |
| Net loans and leases to total assets | 37.0140% | 6,016 |
| Net loans and leases to deposits | 42.5434% | 6,049 |
| Net loans and leases to core deposits | 44.3079% | 6,063 |
| Total domestic deposits to total assets | 87.0029% | 2,809 |
| Equity capital to assets | 12.7556% | 1,427 |
| Core capital (leverage) ratio | 12.8093% | 1,241 |
| Tier 1 risk-based capital ratio | 23.8483% | 1,025 |
| Total risk-based capital ratio | 25.1232% | 1,000 |
| Memoranda: | ||
| Average total assets | $403,611,500 | 1,654 |
| Average earning assets | $382,467,000 | 1,609 |
| Average equity | $51,745,000 | 1,399 |
| Average total loans | $160,671,000 | 2,450 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1691% | 6,172 |
| Cost of funding earning assets | 0.2287% | 6,114 |
| Net interest margin | 2.9404% | 5,710 |
| Noninterest income to average assets | 0.4186% | 4,307 |
| Noninterest expense to average assets | 2.5981% | 4,468 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4918% | 4,764 |
| Return on assets (ROA) | 0.5393% | 4,683 |
| Pretax return on assets | 0.6715% | 4,630 |
| Return on Equity (ROE) | 4.0525% | 5,085 |
| Retained earnings to average equity (ytd only) | 0.5490% | 5,594 |
| Net charge-offs to loans | 0.3724% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.9493% | 3,712 |
| Efficiency ratio | 80.8771% | 2,037 |
| Assets per employee ($millions) | 4.9882% | 2,190 |
| Cash dividends to net income (ytd only)* | 86.4534% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6090% | 262 |
| Loan loss allowance to noncurrent loans | 71.1527% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 2.7101% | 1,232 |
| Noncurrent loans to loans | 5.0722% | 484 |
| Net loans and leases to total assets | 39.4544% | 6,004 |
| Net loans and leases to deposits | 45.3873% | 6,052 |
| Net loans and leases to core deposits | 47.4378% | 6,066 |
| Total domestic deposits to total assets | 86.9282% | 2,761 |
| Equity capital to assets | 12.8869% | 1,329 |
| Core capital (leverage) ratio | 12.7023% | 1,255 |
| Tier 1 risk-based capital ratio | 23.0221% | 1,096 |
| Total risk-based capital ratio | 24.2905% | 1,070 |
| Memoranda: | ||
| Average total assets | $394,205,600 | 1,675 |
| Average earning assets | $374,267,600 | 1,612 |
| Average equity | $52,461,400 | 1,353 |
| Average total loans | $164,080,800 | 2,369 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2063% | 6,189 |
| Cost of funding earning assets | 0.2320% | 6,208 |
| Net interest margin | 2.9744% | 5,654 |
| Noninterest income to average assets | 0.4092% | 4,463 |
| Noninterest expense to average assets | 2.5750% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5198% | 4,721 |
| Return on assets (ROA) | 0.5825% | 4,545 |
| Pretax return on assets | 0.7413% | 4,526 |
| Return on Equity (ROE) | 4.3423% | 5,055 |
| Retained earnings to average equity (ytd only) | -0.0051% | 5,938 |
| Net charge-offs to loans | 0.5316% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.9786% | 3,846 |
| Efficiency ratio | 79.4990% | 2,182 |
| Assets per employee ($millions) | 5.0086% | 2,154 |
| Cash dividends to net income (ytd only)* | 100.1162% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4972% | 338 |
| Loan loss allowance to noncurrent loans | 63.3431% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 3.1236% | 1,165 |
| Noncurrent loans to loans | 5.5211% | 494 |
| Net loans and leases to total assets | 41.3273% | 5,947 |
| Net loans and leases to deposits | 47.8554% | 5,969 |
| Net loans and leases to core deposits | 50.1422% | 6,014 |
| Total domestic deposits to total assets | 86.3586% | 3,045 |
| Equity capital to assets | 13.2313% | 1,230 |
| Core capital (leverage) ratio | 13.1491% | 1,146 |
| Tier 1 risk-based capital ratio | 23.2661% | 1,102 |
| Total risk-based capital ratio | 24.5346% | 1,081 |
| Memoranda: | ||
| Average total assets | $392,993,000 | 1,687 |
| Average earning assets | $373,628,250 | 1,625 |
| Average equity | $52,720,250 | 1,358 |
| Average total loans | $164,266,000 | 2,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1550% | 6,284 |
| Cost of funding earning assets | 0.2353% | 6,270 |
| Net interest margin | 2.9197% | 5,753 |
| Noninterest income to average assets | 0.4333% | 4,292 |
| Noninterest expense to average assets | 2.4431% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7045% | 3,782 |
| Return on assets (ROA) | 0.8127% | 3,381 |
| Pretax return on assets | 0.8889% | 3,951 |
| Return on Equity (ROE) | 6.0305% | 4,156 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,846 |
| Net charge-offs to loans | 1.0132% | 600 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.8331% | 3,915 |
| Efficiency ratio | 75.9880% | 2,790 |
| Assets per employee ($millions) | 4.8030% | 2,371 |
| Cash dividends to net income (ytd only)* | 100.0000% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3390% | 421 |
| Loan loss allowance to noncurrent loans | 53.5092% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 3.5715% | 1,055 |
| Noncurrent loans to loans | 6.2401% | 427 |
| Net loans and leases to total assets | 42.7933% | 5,840 |
| Net loans and leases to deposits | 49.5957% | 5,875 |
| Net loans and leases to core deposits | 51.9383% | 5,894 |
| Total domestic deposits to total assets | 86.2844% | 3,213 |
| Equity capital to assets | 13.3482% | 1,205 |
| Core capital (leverage) ratio | 12.8471% | 1,230 |
| Tier 1 risk-based capital ratio | 22.6945% | 1,185 |
| Total risk-based capital ratio | 23.9612% | 1,157 |
| Memoranda: | ||
| Average total assets | $393,766,670 | 1,683 |
| Average earning assets | $374,899,670 | 1,620 |
| Average equity | $53,063,330 | 1,354 |
| Average total loans | $163,253,000 | 2,396 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0189% | 6,495 |
| Cost of funding earning assets | 0.2413% | 6,340 |
| Net interest margin | 2.7776% | 6,077 |
| Noninterest income to average assets | 0.3704% | 4,700 |
| Noninterest expense to average assets | 2.4651% | 4,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8019% | 3,157 |
| Return on assets (ROA) | 0.8019% | 3,287 |
| Pretax return on assets | 0.5510% | 5,108 |
| Return on Equity (ROE) | 5.9239% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.9239% | 2,721 |
| Net charge-offs to loans | 2.2049% | 206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.6232% | 3,613 |
| Efficiency ratio | 81.6639% | 2,089 |
| Assets per employee ($millions) | 4.9361% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5746% | 396 |
| Loan loss allowance to noncurrent loans | 50.0178% | 5,165 |
| Noncurrent assets plus other real estate owned to assets | 3.6076% | 1,161 |
| Noncurrent loans to loans | 7.1466% | 402 |
| Net loans and leases to total assets | 38.4254% | 6,126 |
| Net loans and leases to deposits | 44.6532% | 6,150 |
| Net loans and leases to core deposits | 46.7113% | 6,169 |
| Total domestic deposits to total assets | 86.0529% | 3,501 |
| Equity capital to assets | 13.7415% | 1,118 |
| Core capital (leverage) ratio | 13.0191% | 1,108 |
| Tier 1 risk-based capital ratio | 24.3714% | 971 |
| Total risk-based capital ratio | 25.6391% | 954 |
| Memoranda: | ||
| Average total assets | $398,530,000 | 1,679 |
| Average earning assets | $379,607,000 | 1,611 |
| Average equity | $53,950,500 | 1,352 |
| Average total loans | $159,825,000 | 2,450 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 6,202 |
| Cost of funding earning assets | 0.2925% | 6,494 |
| Net interest margin | 3.3221% | 5,176 |
| Noninterest income to average assets | 0.4024% | 4,591 |
| Noninterest expense to average assets | 2.7384% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6255% | 4,111 |
| Return on assets (ROA) | 0.7278% | 3,859 |
| Pretax return on assets | 0.9389% | 3,782 |
| Return on Equity (ROE) | 5.2859% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.2859% | 2,511 |
| Net charge-offs to loans | -0.0912% | 6,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1692% | 2,570 |
| Assets per employee ($millions) | 5.0272% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0089% | 284 |
| Loan loss allowance to noncurrent loans | 48.3430% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 4.1507% | 1,018 |
| Noncurrent loans to loans | 8.2926% | 343 |
| Net loans and leases to total assets | 38.7351% | 6,253 |
| Net loans and leases to deposits | 44.7400% | 6,326 |
| Net loans and leases to core deposits | 46.7452% | 6,337 |
| Total domestic deposits to total assets | 86.5782% | 3,055 |
| Equity capital to assets | 13.3370% | 1,294 |
| Core capital (leverage) ratio | 13.0007% | 1,114 |
| Tier 1 risk-based capital ratio | 23.6584% | 1,012 |
| Total risk-based capital ratio | 24.9304% | 987 |
| Memoranda: | ||
| Average total assets | $378,937,200 | 1,720 |
| Average earning assets | $358,600,600 | 1,663 |
| Average equity | $52,176,600 | 1,365 |
| Average total loans | $176,519,200 | 2,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6664% | 6,288 |
| Cost of funding earning assets | 0.3061% | 6,589 |
| Net interest margin | 3.3603% | 5,179 |
| Noninterest income to average assets | 0.4024% | 4,618 |
| Noninterest expense to average assets | 2.7375% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6530% | 4,127 |
| Return on assets (ROA) | 0.7897% | 3,741 |
| Pretax return on assets | 1.0202% | 3,637 |
| Return on Equity (ROE) | 5.6872% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.6872% | 2,905 |
| Net charge-offs to loans | -0.1081% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4148% | 2,607 |
| Assets per employee ($millions) | 4.6630% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6691% | 405 |
| Loan loss allowance to noncurrent loans | 37.4769% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 5.6490% | 742 |
| Noncurrent loans to loans | 9.7902% | 257 |
| Net loans and leases to total assets | 45.6847% | 5,797 |
| Net loans and leases to deposits | 53.5328% | 5,842 |
| Net loans and leases to core deposits | 56.1645% | 5,875 |
| Total domestic deposits to total assets | 85.3398% | 3,596 |
| Equity capital to assets | 14.3176% | 1,031 |
| Core capital (leverage) ratio | 13.6307% | 968 |
| Tier 1 risk-based capital ratio | 23.2341% | 1,140 |
| Total risk-based capital ratio | 24.5057% | 1,113 |
| Memoranda: | ||
| Average total assets | $373,127,750 | 1,765 |
| Average earning assets | $352,852,250 | 1,708 |
| Average equity | $51,811,250 | 1,377 |
| Average total loans | $180,076,750 | 2,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 6,339 |
| Cost of funding earning assets | 0.3172% | 6,658 |
| Net interest margin | 3.3813% | 5,155 |
| Noninterest income to average assets | 0.2321% | 5,912 |
| Noninterest expense to average assets | 2.7286% | 4,294 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5496% | 4,587 |
| Return on assets (ROA) | 0.7600% | 3,828 |
| Pretax return on assets | 0.9637% | 3,841 |
| Return on Equity (ROE) | 5.5306% | 4,568 |
| Retained earnings to average equity (ytd only) | 5.5306% | 2,974 |
| Net charge-offs to loans | -0.3489% | 7,093 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5995% | 2,252 |
| Assets per employee ($millions) | 4.3569% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6500% | 445 |
| Loan loss allowance to noncurrent loans | 36.7909% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 6.0003% | 709 |
| Noncurrent loans to loans | 9.9209% | 274 |
| Net loans and leases to total assets | 47.4793% | 5,664 |
| Net loans and leases to deposits | 55.4441% | 5,711 |
| Net loans and leases to core deposits | 58.4208% | 5,744 |
| Total domestic deposits to total assets | 85.6346% | 3,545 |
| Equity capital to assets | 14.0962% | 1,053 |
| Core capital (leverage) ratio | 13.3185% | 1,048 |
| Tier 1 risk-based capital ratio | 21.9394% | 1,306 |
| Total risk-based capital ratio | 23.2108% | 1,279 |
| Memoranda: | ||
| Average total assets | $373,158,000 | 1,763 |
| Average earning assets | $352,467,670 | 1,708 |
| Average equity | $51,278,330 | 1,387 |
| Average total loans | $181,131,670 | 2,212 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 6,478 |
| Cost of funding earning assets | 0.3298% | 6,729 |
| Net interest margin | 3.3467% | 5,315 |
| Noninterest income to average assets | -0.0683% | 7,151 |
| Noninterest expense to average assets | 2.7039% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3812% | 5,341 |
| Return on assets (ROA) | 0.3812% | 5,526 |
| Pretax return on assets | 0.3919% | 5,746 |
| Return on Equity (ROE) | 2.8101% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.8101% | 4,852 |
| Net charge-offs to loans | 0.0022% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 367.0000% | 83 |
| Efficiency ratio | 87.2715% | 1,358 |
| Assets per employee ($millions) | 4.4201% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6201% | 492 |
| Loan loss allowance to noncurrent loans | 36.3574% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 5.6182% | 865 |
| Noncurrent loans to loans | 9.9570% | 310 |
| Net loans and leases to total assets | 44.9550% | 5,900 |
| Net loans and leases to deposits | 52.1134% | 5,959 |
| Net loans and leases to core deposits | 54.7518% | 6,000 |
| Total domestic deposits to total assets | 86.2638% | 3,378 |
| Equity capital to assets | 13.5695% | 1,211 |
| Core capital (leverage) ratio | 12.8905% | 1,166 |
| Tier 1 risk-based capital ratio | 21.9226% | 1,300 |
| Total risk-based capital ratio | 23.1935% | 1,268 |
| Memoranda: | ||
| Average total assets | $374,570,000 | 1,772 |
| Average earning assets | $354,142,500 | 1,709 |
| Average equity | $50,816,000 | 1,393 |
| Average total loans | $180,451,000 | 2,235 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 6,107 |
| Cost of funding earning assets | 0.4731% | 6,643 |
| Net interest margin | 3.7080% | 4,261 |
| Noninterest income to average assets | 0.1606% | 6,344 |
| Noninterest expense to average assets | 2.8673% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6273% | 3,845 |
| Return on assets (ROA) | 0.6205% | 4,082 |
| Pretax return on assets | 0.7477% | 4,164 |
| Return on Equity (ROE) | 4.6689% | 4,541 |
| Retained earnings to average equity (ytd only) | 4.6689% | 2,871 |
| Net charge-offs to loans | 1.4270% | 1,143 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 0.9483% | 5,091 |
| Efficiency ratio | 79.0853% | 2,429 |
| Assets per employee ($millions) | 4.3933% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4208% | 565 |
| Loan loss allowance to noncurrent loans | 35.7219% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 5.9443% | 827 |
| Noncurrent loans to loans | 9.5762% | 347 |
| Net loans and leases to total assets | 48.0161% | 5,821 |
| Net loans and leases to deposits | 55.6141% | 5,920 |
| Net loans and leases to core deposits | 58.5938% | 5,966 |
| Total domestic deposits to total assets | 86.3380% | 3,123 |
| Equity capital to assets | 13.5634% | 1,236 |
| Core capital (leverage) ratio | 12.7369% | 1,246 |
| Tier 1 risk-based capital ratio | 20.6613% | 1,488 |
| Total risk-based capital ratio | 21.9303% | 1,456 |
| Memoranda: | ||
| Average total assets | $368,710,000 | 1,765 |
| Average earning assets | $344,309,800 | 1,730 |
| Average equity | $49,005,200 | 1,390 |
| Average total loans | $205,949,800 | 1,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 5,920 |
| Cost of funding earning assets | 0.5037% | 6,681 |
| Net interest margin | 3.8047% | 3,856 |
| Noninterest income to average assets | 0.1077% | 6,715 |
| Noninterest expense to average assets | 2.8427% | 4,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6715% | 3,760 |
| Return on assets (ROA) | 0.6624% | 3,985 |
| Pretax return on assets | 0.7970% | 4,139 |
| Return on Equity (ROE) | 5.0101% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.0101% | 3,166 |
| Net charge-offs to loans | -0.3551% | 7,318 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8197% | 2,567 |
| Assets per employee ($millions) | 4.2996% | 3,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8819% | 205 |
| Loan loss allowance to noncurrent loans | 45.0519% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 7.6812% | 607 |
| Noncurrent loans to loans | 10.8362% | 302 |
| Net loans and leases to total assets | 51.9339% | 5,456 |
| Net loans and leases to deposits | 60.3580% | 5,592 |
| Net loans and leases to core deposits | 63.5771% | 5,667 |
| Total domestic deposits to total assets | 86.0432% | 3,197 |
| Equity capital to assets | 13.6166% | 1,319 |
| Core capital (leverage) ratio | 12.8591% | 1,271 |
| Tier 1 risk-based capital ratio | 19.3734% | 1,845 |
| Total risk-based capital ratio | 20.6585% | 1,811 |
| Memoranda: | ||
| Average total assets | $367,529,750 | 1,771 |
| Average earning assets | $342,233,500 | 1,742 |
| Average equity | $48,594,000 | 1,407 |
| Average total loans | $211,022,750 | 1,964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 5,810 |
| Cost of funding earning assets | 0.5360% | 6,722 |
| Net interest margin | 3.8278% | 3,658 |
| Noninterest income to average assets | 0.5442% | 3,517 |
| Noninterest expense to average assets | 2.9341% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8881% | 2,694 |
| Return on assets (ROA) | 0.8757% | 2,843 |
| Pretax return on assets | 1.1565% | 2,652 |
| Return on Equity (ROE) | 6.6904% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.6904% | 2,029 |
| Net charge-offs to loans | -0.4223% | 7,379 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4020% | 3,854 |
| Assets per employee ($millions) | 4.1490% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6590% | 241 |
| Loan loss allowance to noncurrent loans | 43.0021% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 8.3155% | 534 |
| Noncurrent loans to loans | 10.8343% | 329 |
| Net loans and leases to total assets | 55.2523% | 5,111 |
| Net loans and leases to deposits | 64.5632% | 5,202 |
| Net loans and leases to core deposits | 69.6139% | 5,114 |
| Total domestic deposits to total assets | 85.5786% | 3,579 |
| Equity capital to assets | 13.7388% | 1,186 |
| Core capital (leverage) ratio | 12.8388% | 1,226 |
| Tier 1 risk-based capital ratio | 18.9685% | 1,862 |
| Total risk-based capital ratio | 20.2520% | 1,808 |
| Memoranda: | ||
| Average total assets | $366,785,670 | 1,783 |
| Average earning assets | $341,397,000 | 1,752 |
| Average equity | $48,009,000 | 1,409 |
| Average total loans | $214,067,670 | 1,958 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 6,509 |
| Cost of funding earning assets | 0.5755% | 6,707 |
| Net interest margin | 3.5204% | 4,915 |
| Noninterest income to average assets | 0.4360% | 4,403 |
| Noninterest expense to average assets | 2.9711% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6232% | 3,906 |
| Return on assets (ROA) | 0.6232% | 3,975 |
| Pretax return on assets | 0.7476% | 4,105 |
| Return on Equity (ROE) | 4.8795% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.8795% | 3,265 |
| Net charge-offs to loans | 0.8517% | 1,548 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.4989% | 3,586 |
| Efficiency ratio | 79.8371% | 2,569 |
| Assets per employee ($millions) | 4.2493% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2103% | 368 |
| Loan loss allowance to noncurrent loans | 32.0605% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 9.5574% | 440 |
| Noncurrent loans to loans | 13.1325% | 224 |
| Net loans and leases to total assets | 54.3588% | 5,250 |
| Net loans and leases to deposits | 62.5212% | 5,440 |
| Net loans and leases to core deposits | 67.2276% | 5,385 |
| Total domestic deposits to total assets | 86.9445% | 2,974 |
| Equity capital to assets | 12.8461% | 1,450 |
| Core capital (leverage) ratio | 12.1494% | 1,481 |
| Tier 1 risk-based capital ratio | 17.7499% | 2,201 |
| Total risk-based capital ratio | 19.0278% | 2,155 |
| Memoranda: | ||
| Average total assets | $369,696,500 | 1,787 |
| Average earning assets | $344,737,000 | 1,747 |
| Average equity | $47,217,500 | 1,417 |
| Average total loans | $216,508,000 | 1,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 6,039 |
| Cost of funding earning assets | 0.8501% | 6,368 |
| Net interest margin | 3.7748% | 4,053 |
| Noninterest income to average assets | 0.5065% | 4,120 |
| Noninterest expense to average assets | 2.9531% | 4,026 |
| Loan and lease loss provision to assets | 0.7367% | 2,228 |
| Net operating income to assets | 0.3613% | 4,705 |
| Return on assets (ROA) | 0.3724% | 4,813 |
| Pretax return on assets | 0.3800% | 5,003 |
| Return on Equity (ROE) | 2.9718% | 4,971 |
| Retained earnings to average equity (ytd only) | 2.9718% | 3,774 |
| Net charge-offs to loans | 2.4663% | 763 |
| Credit loss provision to net charge-offs | 43.4575% | 6,344 |
| Earnings coverage of net charge-offs (x) | 0.6520% | 5,458 |
| Efficiency ratio | 72.7176% | 3,653 |
| Assets per employee ($millions) | 4.1078% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1635% | 348 |
| Loan loss allowance to noncurrent loans | 41.2169% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 7.4198% | 712 |
| Noncurrent loans to loans | 10.1016% | 416 |
| Net loans and leases to total assets | 57.8654% | 5,048 |
| Net loans and leases to deposits | 66.3887% | 5,353 |
| Net loans and leases to core deposits | 72.1531% | 5,190 |
| Total domestic deposits to total assets | 87.1615% | 2,736 |
| Equity capital to assets | 12.6978% | 1,532 |
| Core capital (leverage) ratio | 11.8666% | 1,638 |
| Tier 1 risk-based capital ratio | 16.8422% | 2,408 |
| Total risk-based capital ratio | 18.1209% | 2,364 |
| Memoranda: | ||
| Average total assets | $370,555,800 | 1,776 |
| Average earning assets | $348,677,000 | 1,717 |
| Average equity | $46,437,000 | 1,446 |
| Average total loans | $254,710,400 | 1,736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6715% | 6,120 |
| Cost of funding earning assets | 0.8982% | 6,398 |
| Net interest margin | 3.7733% | 4,081 |
| Noninterest income to average assets | 0.5178% | 4,042 |
| Noninterest expense to average assets | 2.8549% | 4,260 |
| Loan and lease loss provision to assets | 0.9817% | 1,521 |
| Net operating income to assets | 0.2589% | 5,318 |
| Return on assets (ROA) | 0.2740% | 5,425 |
| Pretax return on assets | 0.2524% | 5,610 |
| Return on Equity (ROE) | 2.1938% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.1938% | 4,857 |
| Net charge-offs to loans | 2.7556% | 588 |
| Credit loss provision to net charge-offs | 50.3040% | 5,874 |
| Earnings coverage of net charge-offs (x) | 0.6247% | 5,413 |
| Efficiency ratio | 70.0327% | 4,061 |
| Assets per employee ($millions) | 4.0937% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1768% | 319 |
| Loan loss allowance to noncurrent loans | 44.1596% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 7.5430% | 691 |
| Noncurrent loans to loans | 9.4585% | 480 |
| Net loans and leases to total assets | 63.1835% | 4,279 |
| Net loans and leases to deposits | 72.7325% | 4,731 |
| Net loans and leases to core deposits | 79.6410% | 4,569 |
| Total domestic deposits to total assets | 86.8712% | 2,600 |
| Equity capital to assets | 12.7852% | 1,689 |
| Core capital (leverage) ratio | 11.9361% | 1,706 |
| Tier 1 risk-based capital ratio | 15.7254% | 2,896 |
| Total risk-based capital ratio | 17.0056% | 2,838 |
| Memoranda: | ||
| Average total assets | $370,769,500 | 1,789 |
| Average earning assets | $349,429,000 | 1,734 |
| Average equity | $46,310,250 | 1,459 |
| Average total loans | $262,582,250 | 1,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 6,164 |
| Cost of funding earning assets | 0.9426% | 6,415 |
| Net interest margin | 3.7511% | 4,128 |
| Noninterest income to average assets | 0.5297% | 3,881 |
| Noninterest expense to average assets | 2.8066% | 4,454 |
| Loan and lease loss provision to assets | 0.9312% | 1,569 |
| Net operating income to assets | 0.3370% | 5,042 |
| Return on assets (ROA) | 0.3596% | 5,091 |
| Pretax return on assets | 0.3596% | 5,343 |
| Return on Equity (ROE) | 2.9015% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.9015% | 4,294 |
| Net charge-offs to loans | 2.5935% | 646 |
| Credit loss provision to net charge-offs | 49.5702% | 5,428 |
| Earnings coverage of net charge-offs (x) | 0.6751% | 5,069 |
| Efficiency ratio | 68.8243% | 4,424 |
| Assets per employee ($millions) | 4.0384% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2290% | 313 |
| Loan loss allowance to noncurrent loans | 37.9000% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 8.3372% | 570 |
| Noncurrent loans to loans | 11.1582% | 354 |
| Net loans and leases to total assets | 70.6386% | 2,761 |
| Net loans and leases to deposits | 81.6656% | 3,319 |
| Net loans and leases to core deposits | 87.3993% | 3,637 |
| Total domestic deposits to total assets | 86.4973% | 2,819 |
| Equity capital to assets | 13.1873% | 1,480 |
| Core capital (leverage) ratio | 11.7710% | 1,767 |
| Tier 1 risk-based capital ratio | 14.7353% | 3,310 |
| Total risk-based capital ratio | 16.0155% | 3,258 |
| Memoranda: | ||
| Average total assets | $371,548,330 | 1,805 |
| Average earning assets | $351,150,000 | 1,742 |
| Average equity | $46,045,330 | 1,463 |
| Average total loans | $269,131,000 | 1,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 6,577 |
| Cost of funding earning assets | 0.9920% | 6,415 |
| Net interest margin | 3.6024% | 4,718 |
| Noninterest income to average assets | 0.4436% | 4,532 |
| Noninterest expense to average assets | 2.8638% | 4,209 |
| Loan and lease loss provision to assets | 1.8228% | 616 |
| Net operating income to assets | -0.8377% | 7,023 |
| Return on assets (ROA) | -0.8377% | 7,055 |
| Pretax return on assets | -0.8377% | 6,971 |
| Return on Equity (ROE) | -6.9683% | 6,987 |
| Retained earnings to average equity (ytd only) | -6.9683% | 6,735 |
| Net charge-offs to loans | 2.7318% | 586 |
| Credit loss provision to net charge-offs | 92.9108% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.5021% | 4,581 |
| Efficiency ratio | 74.3498% | 3,520 |
| Assets per employee ($millions) | 4.0640% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7854% | 204 |
| Loan loss allowance to noncurrent loans | 36.6014% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 9.4751% | 439 |
| Noncurrent loans to loans | 13.0745% | 247 |
| Net loans and leases to total assets | 68.3701% | 3,300 |
| Net loans and leases to deposits | 78.0529% | 4,028 |
| Net loans and leases to core deposits | 83.6369% | 4,257 |
| Total domestic deposits to total assets | 87.5945% | 2,302 |
| Equity capital to assets | 12.2251% | 1,920 |
| Core capital (leverage) ratio | 10.7732% | 2,390 |
| Tier 1 risk-based capital ratio | 13.8714% | 3,746 |
| Total risk-based capital ratio | 15.1605% | 3,677 |
| Memoranda: | ||
| Average total assets | $379,632,000 | 1,811 |
| Average earning assets | $358,875,000 | 1,748 |
| Average equity | $45,635,500 | 1,477 |
| Average total loans | $272,636,000 | 1,720 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 6,256 |
| Cost of funding earning assets | 1.4141% | 5,872 |
| Net interest margin | 3.6375% | 4,396 |
| Noninterest income to average assets | 0.4469% | 4,833 |
| Noninterest expense to average assets | 2.4893% | 6,173 |
| Loan and lease loss provision to assets | 3.7473% | 389 |
| Net operating income to assets | -1.2076% | 6,715 |
| Return on assets (ROA) | -1.1747% | 6,694 |
| Pretax return on assets | -2.2668% | 7,048 |
| Return on Equity (ROE) | -9.8025% | 6,610 |
| Retained earnings to average equity (ytd only) | -10.3086% | 6,544 |
| Net charge-offs to loans | 1.5189% | 1,651 |
| Credit loss provision to net charge-offs | 339.1605% | 954 |
| Earnings coverage of net charge-offs (x) | 1.2934% | 4,834 |
| Efficiency ratio | 63.4844% | 5,871 |
| Assets per employee ($millions) | 4.2796% | 3,304 |
| Cash dividends to net income (ytd only)* | -5.1627% | 7,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5911% | 235 |
| Loan loss allowance to noncurrent loans | 39.2362% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 8.4159% | 506 |
| Noncurrent loans to loans | 11.7011% | 297 |
| Net loans and leases to total assets | 68.5274% | 3,584 |
| Net loans and leases to deposits | 77.8699% | 4,402 |
| Net loans and leases to core deposits | 99.3977% | 4,061 |
| Total domestic deposits to total assets | 88.0024% | 1,975 |
| Equity capital to assets | 11.8271% | 2,120 |
| Core capital (leverage) ratio | 10.7536% | 2,383 |
| Tier 1 risk-based capital ratio | 13.4904% | 3,825 |
| Total risk-based capital ratio | 14.7768% | 3,749 |
| Memoranda: | ||
| Average total assets | $392,442,600 | 1,752 |
| Average earning assets | $374,519,000 | 1,678 |
| Average equity | $47,028,600 | 1,431 |
| Average total loans | $285,475,200 | 1,679 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1465% | 6,121 |
| Cost of funding earning assets | 1.5010% | 5,819 |
| Net interest margin | 3.6455% | 4,298 |
| Noninterest income to average assets | 0.4544% | 4,871 |
| Noninterest expense to average assets | 2.5768% | 5,795 |
| Loan and lease loss provision to assets | 2.9162% | 517 |
| Net operating income to assets | -1.9603% | 7,300 |
| Return on assets (ROA) | -1.8918% | 7,275 |
| Pretax return on assets | -1.4798% | 6,950 |
| Return on Equity (ROE) | -15.7359% | 7,223 |
| Retained earnings to average equity (ytd only) | -16.7457% | 7,222 |
| Net charge-offs to loans | 0.0846% | 5,838 |
| Credit loss provision to net charge-offs | 4,725.2747% | 85 |
| Earnings coverage of net charge-offs (x) | 22.1649% | 1,169 |
| Efficiency ratio | 65.2798% | 5,505 |
| Assets per employee ($millions) | 4.1464% | 3,468 |
| Cash dividends to net income (ytd only)* | -6.4169% | 7,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6558% | 371 |
| Loan loss allowance to noncurrent loans | 28.6645% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 9.8350% | 353 |
| Noncurrent loans to loans | 12.7537% | 237 |
| Net loans and leases to total assets | 74.2961% | 2,441 |
| Net loans and leases to deposits | 85.5732% | 3,402 |
| Net loans and leases to core deposits | 110.4636% | 3,183 |
| Total domestic deposits to total assets | 86.8217% | 2,274 |
| Equity capital to assets | 11.6802% | 2,448 |
| Core capital (leverage) ratio | 11.2018% | 2,264 |
| Tier 1 risk-based capital ratio | 13.9118% | 3,603 |
| Total risk-based capital ratio | 15.1369% | 3,557 |
| Memoranda: | ||
| Average total assets | $393,192,500 | 1,760 |
| Average earning assets | $376,453,500 | 1,685 |
| Average equity | $47,270,750 | 1,449 |
| Average total loans | $286,914,750 | 1,688 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 6,478 |
| Cost of funding earning assets | 1.5470% | 5,937 |
| Net interest margin | 3.5423% | 4,606 |
| Noninterest income to average assets | 0.4443% | 4,899 |
| Noninterest expense to average assets | 2.4709% | 6,221 |
| Loan and lease loss provision to assets | 2.9667% | 515 |
| Net operating income to assets | -2.0120% | 7,434 |
| Return on assets (ROA) | -2.0100% | 7,424 |
| Pretax return on assets | -1.6006% | 7,130 |
| Return on Equity (ROE) | -16.5659% | 7,404 |
| Retained earnings to average equity (ytd only) | -17.5573% | 7,376 |
| Net charge-offs to loans | 0.0663% | 5,576 |
| Credit loss provision to net charge-offs | 6,244.6809% | 74 |
| Earnings coverage of net charge-offs (x) | 28.7128% | 1,030 |
| Efficiency ratio | 64.3911% | 5,830 |
| Assets per employee ($millions) | 4.3109% | 3,097 |
| Cash dividends to net income (ytd only)* | -5.9844% | 7,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7746% | 695 |
| Loan loss allowance to noncurrent loans | 35.4190% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 5.9813% | 811 |
| Noncurrent loans to loans | 7.8336% | 571 |
| Net loans and leases to total assets | 72.0379% | 3,215 |
| Net loans and leases to deposits | 85.4274% | 3,662 |
| Net loans and leases to core deposits | 112.8502% | 3,032 |
| Total domestic deposits to total assets | 84.3265% | 3,584 |
| Equity capital to assets | 11.6375% | 2,437 |
| Core capital (leverage) ratio | 11.6476% | 2,004 |
| Tier 1 risk-based capital ratio | 14.1799% | 3,415 |
| Total risk-based capital ratio | 15.3947% | 3,372 |
| Memoranda: | ||
| Average total assets | $395,719,670 | 1,781 |
| Average earning assets | $378,791,670 | 1,710 |
| Average equity | $48,014,330 | 1,433 |
| Average total loans | $283,431,330 | 1,745 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 6,621 |
| Cost of funding earning assets | 1.6274% | 5,915 |
| Net interest margin | 3.4802% | 4,803 |
| Noninterest income to average assets | 0.4304% | 4,958 |
| Noninterest expense to average assets | 2.5000% | 5,843 |
| Loan and lease loss provision to assets | 5.8710% | 127 |
| Net operating income to assets | -5.0224% | 8,042 |
| Return on assets (ROA) | -5.0183% | 8,033 |
| Pretax return on assets | -4.6072% | 7,959 |
| Return on Equity (ROE) | -40.5151% | 7,996 |
| Retained earnings to average equity (ytd only) | -41.4926% | 7,983 |
| Net charge-offs to loans | 0.1287% | 3,934 |
| Credit loss provision to net charge-offs | 6,483.1461% | 110 |
| Earnings coverage of net charge-offs (x) | 13.9101% | 1,709 |
| Efficiency ratio | 66.4411% | 5,245 |
| Assets per employee ($millions) | 4.2418% | 3,189 |
| Cash dividends to net income (ytd only)* | -2.4128% | 8,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9151% | 519 |
| Loan loss allowance to noncurrent loans | 295.5040% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.8887% | 4,972 |
| Noncurrent loans to loans | 0.9865% | 5,024 |
| Net loans and leases to total assets | 69.5525% | 3,789 |
| Net loans and leases to deposits | 79.1491% | 4,750 |
| Net loans and leases to core deposits | 103.6392% | 4,177 |
| Total domestic deposits to total assets | 87.8753% | 1,806 |
| Equity capital to assets | 11.7938% | 2,389 |
| Core capital (leverage) ratio | 11.4425% | 2,181 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,227 |
| Total risk-based capital ratio | 15.8684% | 3,180 |
| Memoranda: | ||
| Average total assets | $393,120,500 | 1,790 |
| Average earning assets | $376,066,000 | 1,725 |
| Average equity | $48,693,000 | 1,419 |
| Average total loans | $276,619,500 | 1,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9730% | 5,679 |
| Cost of funding earning assets | 2.2319% | 5,450 |
| Net interest margin | 3.7411% | 4,269 |
| Noninterest income to average assets | 0.6920% | 3,172 |
| Noninterest expense to average assets | 2.4970% | 6,016 |
| Loan and lease loss provision to assets | 0.0259% | 7,077 |
| Net operating income to assets | 1.1658% | 1,889 |
| Return on assets (ROA) | 1.1847% | 1,756 |
| Pretax return on assets | 1.7279% | 1,085 |
| Return on Equity (ROE) | 9.3831% | 2,483 |
| Retained earnings to average equity (ytd only) | 8.3829% | 738 |
| Net charge-offs to loans | 0.0336% | 6,349 |
| Credit loss provision to net charge-offs | 112.3596% | 4,796 |
| Earnings coverage of net charge-offs (x) | 74.9551% | 544 |
| Efficiency ratio | 59.0809% | 6,518 |
| Assets per employee ($millions) | 4.2580% | 3,024 |
| Cash dividends to net income (ytd only)* | 10.6597% | 4,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 6,662 |
| Loan loss allowance to noncurrent loans | 73.7470% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 4,513 |
| Noncurrent loans to loans | 1.2249% | 4,065 |
| Net loans and leases to total assets | 68.4834% | 4,373 |
| Net loans and leases to deposits | 79.7264% | 5,093 |
| Net loans and leases to core deposits | 102.1312% | 4,593 |
| Total domestic deposits to total assets | 85.8981% | 2,451 |
| Equity capital to assets | 12.9701% | 1,802 |
| Core capital (leverage) ratio | 12.9415% | 1,563 |
| Tier 1 risk-based capital ratio | 16.2741% | 2,561 |
| Total risk-based capital ratio | 17.0882% | 2,668 |
| Memoranda: | ||
| Average total assets | $386,424,800 | 1,754 |
| Average earning assets | $364,756,000 | 1,707 |
| Average equity | $48,790,000 | 1,404 |
| Average total loans | $264,990,600 | 1,802 |