Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 2,360 |
| Cost of funding earning assets | 0.5418% | 4,154 |
| Net interest margin | 4.3192% | 786 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.7536% | 1,621 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.7075% | 726 |
| Return on assets (ROA) | 1.6960% | 702 |
| Pretax return on assets | 1.6960% | 1,073 |
| Return on Equity (ROE) | 14.1600% | 1,451 |
| Retained earnings to average equity (ytd only) | 2.5715% | 3,418 |
| Net charge-offs to loans | 0.0620% | 1,232 |
| Credit loss provision to net charge-offs | 222.2222% | 1,148 |
| Earnings coverage of net charge-offs (x) | 49.5778% | 1,300 |
| Efficiency ratio | 60.6364% | 3,009 |
| Assets per employee ($millions) | 4.8399% | 3,746 |
| Cash dividends to net income (ytd only)* | 81.8425% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 816 |
| Loan loss allowance to noncurrent loans | 47.3958% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.0501% | 135 |
| Noncurrent loans to loans | 3.3991% | 119 |
| Net loans and leases to total assets | 57.5600% | 3,074 |
| Net loans and leases to deposits | 66.3165% | 3,153 |
| Net loans and leases to core deposits | 70.6681% | 3,267 |
| Total domestic deposits to total assets | 86.8000% | 1,754 |
| Equity capital to assets | 12.6870% | 946 |
| Core capital (leverage) ratio | 13.9776% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2596% | 522 |
| Memoranda: | ||
| Average total assets | $374,415,200 | 2,100 |
| Average earning assets | $351,061,400 | 2,087 |
| Average equity | $44,837,200 | 1,737 |
| Average total loans | $217,592,000 | 2,178 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 2,647 |
| Cost of funding earning assets | 0.4516% | 4,200 |
| Net interest margin | 4.1617% | 977 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.7268% | 1,589 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6898% | 806 |
| Return on assets (ROA) | 1.6898% | 795 |
| Pretax return on assets | 1.6898% | 1,181 |
| Return on Equity (ROE) | 14.3200% | 1,576 |
| Retained earnings to average equity (ytd only) | 7.7391% | 2,059 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.2487% | 2,813 |
| Assets per employee ($millions) | 4.8584% | 3,706 |
| Cash dividends to net income (ytd only)* | 45.9505% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,079 |
| Loan loss allowance to noncurrent loans | 54.1892% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.7003% | 196 |
| Noncurrent loans to loans | 2.7897% | 158 |
| Net loans and leases to total assets | 60.0300% | 2,843 |
| Net loans and leases to deposits | 68.9895% | 2,916 |
| Net loans and leases to core deposits | 73.3905% | 3,029 |
| Total domestic deposits to total assets | 87.0100% | 1,894 |
| Equity capital to assets | 12.2918% | 970 |
| Core capital (leverage) ratio | 14.3024% | 753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5443% | 512 |
| Memoranda: | ||
| Average total assets | $376,060,500 | 2,101 |
| Average earning assets | $353,694,500 | 2,076 |
| Average equity | $44,379,750 | 1,735 |
| Average total loans | $218,188,750 | 2,170 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 2,825 |
| Cost of funding earning assets | 0.3789% | 4,200 |
| Net interest margin | 4.0468% | 1,160 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.6590% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6171% | 921 |
| Return on assets (ROA) | 1.6171% | 921 |
| Pretax return on assets | 1.6171% | 1,377 |
| Return on Equity (ROE) | 13.8900% | 1,704 |
| Retained earnings to average equity (ytd only) | 6.9385% | 2,302 |
| Net charge-offs to loans | 0.0120% | 1,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 235.3077% | 531 |
| Efficiency ratio | 62.1832% | 2,692 |
| Assets per employee ($millions) | 4.7783% | 3,766 |
| Cash dividends to net income (ytd only)* | 50.0490% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 1,150 |
| Loan loss allowance to noncurrent loans | 53.4710% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.6718% | 196 |
| Noncurrent loans to loans | 2.8227% | 155 |
| Net loans and leases to total assets | 58.3300% | 2,930 |
| Net loans and leases to deposits | 66.9760% | 2,995 |
| Net loans and leases to core deposits | 70.9794% | 3,064 |
| Total domestic deposits to total assets | 87.1000% | 1,900 |
| Equity capital to assets | 12.3194% | 968 |
| Core capital (leverage) ratio | 13.7290% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4843% | 522 |
| Memoranda: | ||
| Average total assets | $378,334,333 | 2,084 |
| Average earning assets | $355,788,667 | 2,066 |
| Average equity | $44,044,333 | 1,751 |
| Average total loans | $215,905,333 | 2,183 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1657% | 3,109 |
| Cost of funding earning assets | 0.2988% | 4,198 |
| Net interest margin | 3.8669% | 1,549 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6762% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3360% | 1,578 |
| Return on assets (ROA) | 1.3360% | 1,547 |
| Pretax return on assets | 1.3360% | 2,069 |
| Return on Equity (ROE) | 11.8100% | 2,266 |
| Retained earnings to average equity (ytd only) | 8.3312% | 2,136 |
| Net charge-offs to loans | 0.0019% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 1,281.0000% | 75 |
| Efficiency ratio | 66.7013% | 2,125 |
| Assets per employee ($millions) | 5.0588% | 3,619 |
| Cash dividends to net income (ytd only)* | 29.4301% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 1,294 |
| Loan loss allowance to noncurrent loans | 44.5073% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.9625% | 128 |
| Noncurrent loans to loans | 3.3517% | 124 |
| Net loans and leases to total assets | 57.4700% | 2,913 |
| Net loans and leases to deposits | 65.5667% | 2,969 |
| Net loans and leases to core deposits | 69.1992% | 3,009 |
| Total domestic deposits to total assets | 87.6500% | 2,038 |
| Equity capital to assets | 11.7638% | 1,068 |
| Core capital (leverage) ratio | 13.2958% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1169% | 562 |
| Memoranda: | ||
| Average total assets | $383,536,000 | 2,090 |
| Average earning assets | $360,083,000 | 2,069 |
| Average equity | $43,403,000 | 1,786 |
| Average total loans | $214,900,500 | 2,203 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0552% | 4,066 |
| Cost of funding earning assets | 0.1410% | 4,170 |
| Net interest margin | 2.9142% | 3,648 |
| Noninterest income to average assets | 1.1700% | 494 |
| Noninterest expense to average assets | 2.4957% | 2,132 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 1.4620% | 973 |
| Return on assets (ROA) | 1.4620% | 936 |
| Pretax return on assets | 1.4620% | 1,566 |
| Return on Equity (ROE) | 13.9500% | 1,547 |
| Retained earnings to average equity (ytd only) | 8.2080% | 1,751 |
| Net charge-offs to loans | -0.2183% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.7914% | 2,524 |
| Assets per employee ($millions) | 5.1008% | 3,596 |
| Cash dividends to net income (ytd only)* | 41.1635% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5841% | 1,008 |
| Loan loss allowance to noncurrent loans | 46.0209% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8508% | 138 |
| Noncurrent loans to loans | 3.4421% | 114 |
| Net loans and leases to total assets | 52.9200% | 3,290 |
| Net loans and leases to deposits | 59.6727% | 3,346 |
| Net loans and leases to core deposits | 62.7899% | 3,344 |
| Total domestic deposits to total assets | 88.6800% | 1,821 |
| Equity capital to assets | 10.8788% | 1,312 |
| Core capital (leverage) ratio | 12.8754% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7462% | 495 |
| Memoranda: | ||
| Average total assets | $403,286,200 | 2,018 |
| Average earning assets | $380,007,800 | 1,986 |
| Average equity | $42,263,800 | 1,850 |
| Average total loans | $186,907,000 | 2,328 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8060% | 4,188 |
| Cost of funding earning assets | 0.1118% | 4,182 |
| Net interest margin | 2.6942% | 3,940 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.8445% | 3,889 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 1.1585% | 1,860 |
| Return on assets (ROA) | 1.1585% | 1,836 |
| Pretax return on assets | 1.1585% | 2,530 |
| Return on Equity (ROE) | 11.1600% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.7113% | 1,427 |
| Net charge-offs to loans | -0.3085% | 4,692 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.2230% | 2,511 |
| Assets per employee ($millions) | 4.9917% | 3,681 |
| Cash dividends to net income (ytd only)* | 12.9452% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,151 |
| Loan loss allowance to noncurrent loans | 33.3011% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 96 |
| Noncurrent loans to loans | 4.6828% | 68 |
| Net loans and leases to total assets | 50.2300% | 3,437 |
| Net loans and leases to deposits | 56.3749% | 3,449 |
| Net loans and leases to core deposits | 59.2804% | 3,436 |
| Total domestic deposits to total assets | 89.1000% | 2,046 |
| Equity capital to assets | 10.2164% | 1,511 |
| Core capital (leverage) ratio | 12.5379% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6445% | 453 |
| Memoranda: | ||
| Average total assets | $407,192,500 | 2,020 |
| Average earning assets | $383,926,250 | 1,987 |
| Average equity | $42,286,500 | 1,874 |
| Average total loans | $181,521,500 | 2,364 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7162% | 4,118 |
| Cost of funding earning assets | 0.1104% | 4,075 |
| Net interest margin | 2.6058% | 3,898 |
| Noninterest income to average assets | 0.4270% | 2,583 |
| Noninterest expense to average assets | 2.4989% | 1,934 |
| Loan and lease loss provision to assets | -0.1936% | 4,675 |
| Net operating income to assets | 0.5795% | 3,682 |
| Return on assets (ROA) | 0.5795% | 3,628 |
| Pretax return on assets | 0.5795% | 3,853 |
| Return on Equity (ROE) | 5.5516% | 3,693 |
| Retained earnings to average equity (ytd only) | 5.2826% | 2,593 |
| Net charge-offs to loans | -0.4767% | 4,688 |
| Credit loss provision to net charge-offs | 95.4654% | 1,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6253% | 558 |
| Assets per employee ($millions) | 4.9869% | 3,687 |
| Cash dividends to net income (ytd only)* | 4.8454% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 1,005 |
| Loan loss allowance to noncurrent loans | 33.2724% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 90 |
| Noncurrent loans to loans | 5.0226% | 60 |
| Net loans and leases to total assets | 46.8323% | 3,647 |
| Net loans and leases to deposits | 52.6680% | 3,634 |
| Net loans and leases to core deposits | 55.3903% | 3,620 |
| Total domestic deposits to total assets | 88.9199% | 2,217 |
| Equity capital to assets | 10.4888% | 1,438 |
| Core capital (leverage) ratio | 12.0465% | 1,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8213% | 428 |
| Memoranda: | ||
| Average total assets | $413,139,000 | 1,997 |
| Average earning assets | $389,662,000 | 1,982 |
| Average equity | $43,122,667 | 1,887 |
| Average total loans | $175,807,667 | 2,412 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2871% | 4,464 |
| Cost of funding earning assets | 0.1086% | 4,038 |
| Net interest margin | 2.1785% | 4,372 |
| Noninterest income to average assets | 0.4534% | 2,382 |
| Noninterest expense to average assets | 2.4627% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0470% | 4,516 |
| Return on assets (ROA) | 0.0470% | 4,494 |
| Pretax return on assets | 0.0470% | 4,490 |
| Return on Equity (ROE) | 0.4516% | 4,487 |
| Retained earnings to average equity (ytd only) | 0.4516% | 3,926 |
| Net charge-offs to loans | 0.0585% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 1,720 |
| Efficiency ratio | 98.1259% | 277 |
| Assets per employee ($millions) | 5.1964% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 873 |
| Loan loss allowance to noncurrent loans | 31.5387% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.4023% | 108 |
| Noncurrent loans to loans | 5.7283% | 50 |
| Net loans and leases to total assets | 40.9260% | 3,952 |
| Net loans and leases to deposits | 45.8936% | 3,981 |
| Net loans and leases to core deposits | 47.7428% | 3,995 |
| Total domestic deposits to total assets | 89.1759% | 1,989 |
| Equity capital to assets | 10.3148% | 1,682 |
| Core capital (leverage) ratio | 10.8775% | 1,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7294% | 585 |
| Memoranda: | ||
| Average total assets | $425,220,000 | 1,964 |
| Average earning assets | $401,381,500 | 1,950 |
| Average equity | $44,284,500 | 1,912 |
| Average total loans | $171,080,000 | 2,446 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9882% | 3,894 |
| Cost of funding earning assets | 0.1570% | 3,900 |
| Net interest margin | 2.8312% | 3,600 |
| Noninterest income to average assets | 0.4397% | 2,860 |
| Noninterest expense to average assets | 2.6099% | 1,844 |
| Loan and lease loss provision to assets | -0.0361% | 4,299 |
| Net operating income to assets | 0.5120% | 4,062 |
| Return on assets (ROA) | 0.5120% | 4,109 |
| Pretax return on assets | 0.5120% | 4,239 |
| Return on Equity (ROE) | 4.3865% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.5669% | 3,399 |
| Net charge-offs to loans | -0.0323% | 4,154 |
| Credit loss provision to net charge-offs | 254.3860% | 1,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5794% | 543 |
| Assets per employee ($millions) | 5.8569% | 2,899 |
| Cash dividends to net income (ytd only)* | 18.6861% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 910 |
| Loan loss allowance to noncurrent loans | 31.8168% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 2.1861% | 136 |
| Noncurrent loans to loans | 5.5828% | 59 |
| Net loans and leases to total assets | 38.2256% | 4,182 |
| Net loans and leases to deposits | 42.8920% | 4,232 |
| Net loans and leases to core deposits | 44.4949% | 4,248 |
| Total domestic deposits to total assets | 89.1205% | 1,447 |
| Equity capital to assets | 10.5052% | 2,175 |
| Core capital (leverage) ratio | 11.4187% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8356% | 504 |
| Memoranda: | ||
| Average total assets | $401,400,600 | 1,984 |
| Average earning assets | $375,143,200 | 1,989 |
| Average equity | $46,847,800 | 1,863 |
| Average total loans | $176,251,200 | 2,411 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 3,447 |
| Cost of funding earning assets | 0.1730% | 3,893 |
| Net interest margin | 3.1056% | 3,044 |
| Noninterest income to average assets | 0.4282% | 2,938 |
| Noninterest expense to average assets | 2.7436% | 1,475 |
| Loan and lease loss provision to assets | -0.0494% | 4,457 |
| Net operating income to assets | 0.6276% | 3,957 |
| Return on assets (ROA) | 0.6276% | 4,008 |
| Pretax return on assets | 0.6276% | 4,195 |
| Return on Equity (ROE) | 5.2286% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.1362% | 3,532 |
| Net charge-offs to loans | -0.0362% | 4,213 |
| Credit loss provision to net charge-offs | 302.0833% | 1,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5966% | 605 |
| Assets per employee ($millions) | 5.1578% | 3,548 |
| Cash dividends to net income (ytd only)* | 20.8923% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 881 |
| Loan loss allowance to noncurrent loans | 27.7036% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.8793% | 91 |
| Noncurrent loans to loans | 6.5996% | 46 |
| Net loans and leases to total assets | 42.5992% | 4,052 |
| Net loans and leases to deposits | 48.8750% | 4,078 |
| Net loans and leases to core deposits | 50.9331% | 4,084 |
| Total domestic deposits to total assets | 87.1594% | 2,285 |
| Equity capital to assets | 12.2052% | 1,308 |
| Core capital (leverage) ratio | 12.0564% | 1,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1542% | 476 |
| Memoranda: | ||
| Average total assets | $390,470,500 | 2,040 |
| Average earning assets | $363,805,250 | 2,045 |
| Average equity | $46,869,500 | 1,881 |
| Average total loans | $177,007,250 | 2,441 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 3,019 |
| Cost of funding earning assets | 0.1891% | 3,860 |
| Net interest margin | 3.2653% | 2,564 |
| Noninterest income to average assets | 0.4396% | 2,905 |
| Noninterest expense to average assets | 2.7272% | 1,518 |
| Loan and lease loss provision to assets | 0.0511% | 2,013 |
| Net operating income to assets | 0.7113% | 3,733 |
| Return on assets (ROA) | 0.7113% | 3,800 |
| Pretax return on assets | 0.7113% | 4,044 |
| Return on Equity (ROE) | 5.9588% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.9588% | 2,818 |
| Net charge-offs to loans | 0.1200% | 648 |
| Credit loss provision to net charge-offs | 92.5926% | 1,425 |
| Earnings coverage of net charge-offs (x) | 13.8241% | 1,682 |
| Efficiency ratio | 78.1534% | 900 |
| Assets per employee ($millions) | 5.4144% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 905 |
| Loan loss allowance to noncurrent loans | 30.2722% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.5147% | 137 |
| Noncurrent loans to loans | 5.8953% | 61 |
| Net loans and leases to total assets | 41.1530% | 4,230 |
| Net loans and leases to deposits | 46.6109% | 4,285 |
| Net loans and leases to core deposits | 48.2630% | 4,313 |
| Total domestic deposits to total assets | 88.2905% | 1,673 |
| Equity capital to assets | 11.1877% | 1,840 |
| Core capital (leverage) ratio | 12.1362% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7364% | 561 |
| Memoranda: | ||
| Average total assets | $391,682,000 | 2,030 |
| Average earning assets | $365,850,000 | 2,033 |
| Average equity | $46,754,667 | 1,873 |
| Average total loans | $180,057,000 | 2,434 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 3,444 |
| Cost of funding earning assets | 0.2289% | 3,654 |
| Net interest margin | 3.0718% | 3,076 |
| Noninterest income to average assets | 0.4421% | 2,862 |
| Noninterest expense to average assets | 2.7824% | 1,402 |
| Loan and lease loss provision to assets | 0.1063% | 1,291 |
| Net operating income to assets | 0.4060% | 4,350 |
| Return on assets (ROA) | 0.4060% | 4,378 |
| Pretax return on assets | 0.4060% | 4,475 |
| Return on Equity (ROE) | 3.2855% | 4,419 |
| Retained earnings to average equity (ytd only) | 3.2855% | 3,693 |
| Net charge-offs to loans | 0.4493% | 183 |
| Credit loss provision to net charge-offs | 49.0196% | 1,313 |
| Earnings coverage of net charge-offs (x) | 2.3627% | 1,809 |
| Efficiency ratio | 84.4516% | 571 |
| Assets per employee ($millions) | 4.8361% | 3,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,140 |
| Loan loss allowance to noncurrent loans | 29.6235% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7950% | 123 |
| Noncurrent loans to loans | 5.6136% | 63 |
| Net loans and leases to total assets | 47.9858% | 3,823 |
| Net loans and leases to deposits | 55.1208% | 3,857 |
| Net loans and leases to core deposits | 57.5983% | 3,866 |
| Total domestic deposits to total assets | 87.0556% | 2,290 |
| Equity capital to assets | 12.2864% | 1,158 |
| Core capital (leverage) ratio | 12.1214% | 1,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8317% | 600 |
| Memoranda: | ||
| Average total assets | $376,362,000 | 2,076 |
| Average earning assets | $349,497,000 | 2,082 |
| Average equity | $46,508,000 | 1,871 |
| Average total loans | $181,607,500 | 2,429 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7263% | 3,510 |
| Cost of funding earning assets | 0.4642% | 3,192 |
| Net interest margin | 3.2621% | 3,178 |
| Noninterest income to average assets | 0.6656% | 1,967 |
| Noninterest expense to average assets | 2.8871% | 1,719 |
| Loan and lease loss provision to assets | 0.6091% | 324 |
| Net operating income to assets | 0.1891% | 4,586 |
| Return on assets (ROA) | 0.2007% | 4,631 |
| Pretax return on assets | 0.2007% | 4,649 |
| Return on Equity (ROE) | 1.5718% | 4,613 |
| Retained earnings to average equity (ytd only) | 0.4184% | 4,390 |
| Net charge-offs to loans | 1.1891% | 101 |
| Credit loss provision to net charge-offs | 102.1356% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.3384% | 3,264 |
| Efficiency ratio | 78.3412% | 1,010 |
| Assets per employee ($millions) | 4.8142% | 3,595 |
| Cash dividends to net income (ytd only)* | 73.3793% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7667% | 915 |
| Loan loss allowance to noncurrent loans | 100.8604% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 1,117 |
| Noncurrent loans to loans | 1.7517% | 716 |
| Net loans and leases to total assets | 46.8643% | 4,066 |
| Net loans and leases to deposits | 53.8004% | 4,122 |
| Net loans and leases to core deposits | 56.4321% | 4,131 |
| Total domestic deposits to total assets | 87.1077% | 1,885 |
| Equity capital to assets | 12.4284% | 1,355 |
| Core capital (leverage) ratio | 11.9179% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8703% | 595 |
| Memoranda: | ||
| Average total assets | $361,189,600 | 2,002 |
| Average earning assets | $334,356,000 | 2,006 |
| Average equity | $46,126,600 | 1,808 |
| Average total loans | $181,152,000 | 2,404 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 3,437 |
| Cost of funding earning assets | 0.5241% | 3,087 |
| Net interest margin | 3.3170% | 3,136 |
| Noninterest income to average assets | 0.6788% | 1,860 |
| Noninterest expense to average assets | 2.9041% | 1,693 |
| Loan and lease loss provision to assets | 0.3723% | 992 |
| Net operating income to assets | 0.4684% | 4,123 |
| Return on assets (ROA) | 0.4684% | 4,194 |
| Pretax return on assets | 0.4684% | 4,348 |
| Return on Equity (ROE) | 3.6117% | 4,266 |
| Retained earnings to average equity (ytd only) | 2.0843% | 3,904 |
| Net charge-offs to loans | 1.5524% | 72 |
| Credit loss provision to net charge-offs | 47.2813% | 2,897 |
| Earnings coverage of net charge-offs (x) | 1.0676% | 3,097 |
| Efficiency ratio | 77.5480% | 1,082 |
| Assets per employee ($millions) | 4.7868% | 3,504 |
| Cash dividends to net income (ytd only)* | 42.2893% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,402 |
| Loan loss allowance to noncurrent loans | 56.8511% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.0119% | 1,089 |
| Noncurrent loans to loans | 1.8679% | 690 |
| Net loans and leases to total assets | 48.7567% | 4,172 |
| Net loans and leases to deposits | 56.0050% | 4,260 |
| Net loans and leases to core deposits | 58.7239% | 4,266 |
| Total domestic deposits to total assets | 87.0579% | 1,646 |
| Equity capital to assets | 12.3446% | 1,492 |
| Core capital (leverage) ratio | 11.9931% | 1,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4268% | 731 |
| Memoranda: | ||
| Average total assets | $358,059,500 | 1,987 |
| Average earning assets | $330,976,500 | 2,002 |
| Average equity | $46,440,750 | 1,797 |
| Average total loans | $181,653,750 | 2,399 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 3,537 |
| Cost of funding earning assets | 0.6107% | 2,914 |
| Net interest margin | 3.3186% | 3,336 |
| Noninterest income to average assets | 0.9075% | 1,150 |
| Noninterest expense to average assets | 2.9986% | 1,574 |
| Loan and lease loss provision to assets | 0.2287% | 1,834 |
| Net operating income to assets | 0.7313% | 3,276 |
| Return on assets (ROA) | 0.7313% | 3,389 |
| Pretax return on assets | 0.7313% | 3,795 |
| Return on Equity (ROE) | 5.5412% | 3,661 |
| Retained earnings to average equity (ytd only) | 3.8645% | 2,979 |
| Net charge-offs to loans | 0.9515% | 159 |
| Credit loss provision to net charge-offs | 46.8933% | 2,637 |
| Earnings coverage of net charge-offs (x) | 1.9683% | 2,812 |
| Efficiency ratio | 75.7475% | 1,290 |
| Assets per employee ($millions) | 4.6940% | 3,534 |
| Cash dividends to net income (ytd only)* | 30.2580% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,482 |
| Loan loss allowance to noncurrent loans | 89.3168% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9237% | 1,327 |
| Noncurrent loans to loans | 1.6009% | 922 |
| Net loans and leases to total assets | 50.2167% | 4,155 |
| Net loans and leases to deposits | 58.1757% | 4,209 |
| Net loans and leases to core deposits | 61.3156% | 4,197 |
| Total domestic deposits to total assets | 86.3190% | 1,884 |
| Equity capital to assets | 12.9411% | 1,193 |
| Core capital (leverage) ratio | 12.6402% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0210% | 672 |
| Memoranda: | ||
| Average total assets | $349,764,667 | 2,001 |
| Average earning assets | $321,586,000 | 2,016 |
| Average equity | $46,163,333 | 1,790 |
| Average total loans | $179,300,000 | 2,410 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 3,507 |
| Cost of funding earning assets | 0.6804% | 3,016 |
| Net interest margin | 3.4276% | 3,219 |
| Noninterest income to average assets | 0.5715% | 2,171 |
| Noninterest expense to average assets | 3.0657% | 1,733 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6441% | 3,464 |
| Return on assets (ROA) | 0.6441% | 3,527 |
| Pretax return on assets | 0.6441% | 3,828 |
| Return on Equity (ROE) | 4.8294% | 3,693 |
| Retained earnings to average equity (ytd only) | 3.5650% | 2,866 |
| Net charge-offs to loans | 0.7855% | 194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.5942% | 2,369 |
| Efficiency ratio | 82.6389% | 924 |
| Assets per employee ($millions) | 4.4748% | 3,296 |
| Cash dividends to net income (ytd only)* | 26.1818% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 1,207 |
| Loan loss allowance to noncurrent loans | 59.6687% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.8296% | 487 |
| Noncurrent loans to loans | 2.5893% | 448 |
| Net loans and leases to total assets | 50.6452% | 4,205 |
| Net loans and leases to deposits | 58.7969% | 4,256 |
| Net loans and leases to core deposits | 62.2169% | 4,265 |
| Total domestic deposits to total assets | 86.1358% | 1,953 |
| Equity capital to assets | 13.1511% | 1,364 |
| Core capital (leverage) ratio | 13.3389% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7820% | 1,014 |
| Memoranda: | ||
| Average total assets | $341,582,500 | 1,992 |
| Average earning assets | $312,753,500 | 2,011 |
| Average equity | $45,554,500 | 1,803 |
| Average total loans | $175,687,500 | 2,407 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 3,283 |
| Cost of funding earning assets | 0.7139% | 3,098 |
| Net interest margin | 3.6750% | 2,885 |
| Noninterest income to average assets | 0.5531% | 2,455 |
| Noninterest expense to average assets | 3.1388% | 1,672 |
| Loan and lease loss provision to assets | 0.0680% | 2,651 |
| Net operating income to assets | 0.7133% | 3,829 |
| Return on assets (ROA) | 0.7133% | 3,888 |
| Pretax return on assets | 0.7133% | 4,179 |
| Return on Equity (ROE) | 5.3454% | 4,123 |
| Retained earnings to average equity (ytd only) | 2.7327% | 3,670 |
| Net charge-offs to loans | -0.4011% | 5,110 |
| Credit loss provision to net charge-offs | -31.1203% | 4,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0679% | 942 |
| Assets per employee ($millions) | 4.2295% | 3,600 |
| Cash dividends to net income (ytd only)* | 48.8766% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 637 |
| Loan loss allowance to noncurrent loans | 67.0968% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.9115% | 429 |
| Noncurrent loans to loans | 2.7061% | 383 |
| Net loans and leases to total assets | 50.4928% | 4,309 |
| Net loans and leases to deposits | 58.8097% | 4,340 |
| Net loans and leases to core deposits | 62.4627% | 4,343 |
| Total domestic deposits to total assets | 85.8579% | 2,116 |
| Equity capital to assets | 13.5298% | 1,265 |
| Core capital (leverage) ratio | 13.4783% | 1,062 |
| Tier 1 risk-based capital ratio | 20.8853% | 1,183 |
| Total risk-based capital ratio | 22.1380% | 1,161 |
| Memoranda: | ||
| Average total assets | $330,700,200 | 1,980 |
| Average earning assets | $302,990,400 | 2,004 |
| Average equity | $44,131,800 | 1,786 |
| Average total loans | $180,253,800 | 2,315 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4350% | 3,253 |
| Cost of funding earning assets | 0.7024% | 3,214 |
| Net interest margin | 3.7326% | 2,815 |
| Noninterest income to average assets | 0.5004% | 2,728 |
| Noninterest expense to average assets | 3.1788% | 1,504 |
| Loan and lease loss provision to assets | 0.0909% | 2,087 |
| Net operating income to assets | 0.6524% | 4,156 |
| Return on assets (ROA) | 0.6524% | 4,203 |
| Pretax return on assets | 0.6524% | 4,442 |
| Return on Equity (ROE) | 4.9061% | 4,349 |
| Retained earnings to average equity (ytd only) | 3.3376% | 3,735 |
| Net charge-offs to loans | -0.5250% | 5,192 |
| Credit loss provision to net charge-offs | -31.3370% | 3,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0471% | 829 |
| Assets per employee ($millions) | 4.1115% | 3,741 |
| Cash dividends to net income (ytd only)* | 31.9701% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 810 |
| Loan loss allowance to noncurrent loans | 78.3396% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 590 |
| Noncurrent loans to loans | 2.1763% | 593 |
| Net loans and leases to total assets | 53.9108% | 4,188 |
| Net loans and leases to deposits | 62.9674% | 4,237 |
| Net loans and leases to core deposits | 67.0124% | 4,218 |
| Total domestic deposits to total assets | 85.6169% | 2,156 |
| Equity capital to assets | 13.5024% | 1,361 |
| Core capital (leverage) ratio | 13.7611% | 1,052 |
| Tier 1 risk-based capital ratio | 20.2410% | 1,331 |
| Total risk-based capital ratio | 21.4930% | 1,298 |
| Memoranda: | ||
| Average total assets | $329,843,000 | 1,996 |
| Average earning assets | $302,372,250 | 2,023 |
| Average equity | $43,863,000 | 1,805 |
| Average total loans | $182,359,500 | 2,319 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 3,100 |
| Cost of funding earning assets | 0.6886% | 3,227 |
| Net interest margin | 3.7828% | 2,639 |
| Noninterest income to average assets | 0.4441% | 2,991 |
| Noninterest expense to average assets | 3.1705% | 1,567 |
| Loan and lease loss provision to assets | 0.0912% | 2,031 |
| Net operating income to assets | 0.6509% | 4,162 |
| Return on assets (ROA) | 0.6509% | 4,211 |
| Pretax return on assets | 0.6509% | 4,446 |
| Return on Equity (ROE) | 4.9201% | 4,366 |
| Retained earnings to average equity (ytd only) | 3.2326% | 3,609 |
| Net charge-offs to loans | -0.7813% | 5,248 |
| Credit loss provision to net charge-offs | -21.0674% | 3,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0323% | 883 |
| Assets per employee ($millions) | 4.0268% | 3,831 |
| Cash dividends to net income (ytd only)* | 34.2991% | 2,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6864% | 847 |
| Loan loss allowance to noncurrent loans | 68.2033% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.9197% | 495 |
| Noncurrent loans to loans | 2.4726% | 489 |
| Net loans and leases to total assets | 54.8887% | 4,152 |
| Net loans and leases to deposits | 64.2824% | 4,213 |
| Net loans and leases to core deposits | 68.0403% | 4,200 |
| Total domestic deposits to total assets | 85.3868% | 2,312 |
| Equity capital to assets | 13.7725% | 1,210 |
| Core capital (leverage) ratio | 13.4412% | 1,136 |
| Tier 1 risk-based capital ratio | 20.0691% | 1,340 |
| Total risk-based capital ratio | 21.3208% | 1,308 |
| Memoranda: | ||
| Average total assets | $328,780,670 | 2,007 |
| Average earning assets | $301,466,330 | 2,029 |
| Average equity | $43,495,000 | 1,813 |
| Average total loans | $182,261,670 | 2,324 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 3,177 |
| Cost of funding earning assets | 0.6690% | 3,209 |
| Net interest margin | 3.7445% | 2,727 |
| Noninterest income to average assets | 0.5577% | 2,238 |
| Noninterest expense to average assets | 3.0967% | 1,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8925% | 3,257 |
| Return on assets (ROA) | 0.8925% | 3,312 |
| Pretax return on assets | 0.8925% | 3,790 |
| Return on Equity (ROE) | 6.8836% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.2825% | 3,210 |
| Net charge-offs to loans | 0.0785% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.5833% | 1,551 |
| Efficiency ratio | 77.6268% | 1,314 |
| Assets per employee ($millions) | 4.0750% | 3,812 |
| Cash dividends to net income (ytd only)* | 37.7868% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 2,726 |
| Loan loss allowance to noncurrent loans | 42.9606% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7487% | 616 |
| Noncurrent loans to loans | 2.7290% | 437 |
| Net loans and leases to total assets | 54.5505% | 4,166 |
| Net loans and leases to deposits | 63.3597% | 4,227 |
| Net loans and leases to core deposits | 67.3681% | 4,216 |
| Total domestic deposits to total assets | 86.0965% | 2,236 |
| Equity capital to assets | 13.2506% | 1,314 |
| Core capital (leverage) ratio | 13.1460% | 1,204 |
| Tier 1 risk-based capital ratio | 19.7088% | 1,396 |
| Total risk-based capital ratio | 20.6783% | 1,432 |
| Memoranda: | ||
| Average total assets | $332,100,500 | 2,013 |
| Average earning assets | $304,343,500 | 2,028 |
| Average equity | $43,059,000 | 1,816 |
| Average total loans | $183,466,500 | 2,329 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,708 |
| Cost of funding earning assets | 0.4058% | 3,954 |
| Net interest margin | 3.7056% | 3,014 |
| Noninterest income to average assets | 0.5787% | 2,403 |
| Noninterest expense to average assets | 3.1777% | 1,603 |
| Loan and lease loss provision to assets | 0.4762% | 260 |
| Net operating income to assets | 0.3541% | 4,935 |
| Return on assets (ROA) | 0.3572% | 4,927 |
| Pretax return on assets | 0.3572% | 4,990 |
| Return on Equity (ROE) | 2.7538% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.3485% | 4,596 |
| Net charge-offs to loans | 0.6916% | 235 |
| Credit loss provision to net charge-offs | 121.3448% | 2,145 |
| Earnings coverage of net charge-offs (x) | 2.1157% | 3,555 |
| Efficiency ratio | 79.2834% | 1,016 |
| Assets per employee ($millions) | 4.0747% | 3,782 |
| Cash dividends to net income (ytd only)* | 51.0309% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,688 |
| Loan loss allowance to noncurrent loans | 39.6640% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.8783% | 533 |
| Noncurrent loans to loans | 2.9642% | 347 |
| Net loans and leases to total assets | 54.6403% | 4,237 |
| Net loans and leases to deposits | 62.9759% | 4,316 |
| Net loans and leases to core deposits | 67.1489% | 4,291 |
| Total domestic deposits to total assets | 86.7639% | 1,887 |
| Equity capital to assets | 12.6842% | 1,489 |
| Core capital (leverage) ratio | 12.5167% | 1,448 |
| Tier 1 risk-based capital ratio | 19.1968% | 1,478 |
| Total risk-based capital ratio | 19.1968% | 1,732 |
| Memoranda: | ||
| Average total assets | $325,899,400 | 2,017 |
| Average earning assets | $301,596,800 | 2,014 |
| Average equity | $42,269,400 | 1,772 |
| Average total loans | $184,943,200 | 2,297 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 3,466 |
| Cost of funding earning assets | 0.3344% | 4,283 |
| Net interest margin | 3.8138% | 2,595 |
| Noninterest income to average assets | 0.5138% | 2,781 |
| Noninterest expense to average assets | 3.1430% | 1,663 |
| Loan and lease loss provision to assets | 0.3425% | 399 |
| Net operating income to assets | 0.5645% | 4,604 |
| Return on assets (ROA) | 0.5682% | 4,596 |
| Pretax return on assets | 0.5682% | 4,786 |
| Return on Equity (ROE) | 4.3558% | 4,733 |
| Retained earnings to average equity (ytd only) | 2.4809% | 4,409 |
| Net charge-offs to loans | 0.6523% | 219 |
| Credit loss provision to net charge-offs | 91.9337% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.4342% | 3,244 |
| Efficiency ratio | 77.6050% | 1,157 |
| Assets per employee ($millions) | 4.5172% | 3,094 |
| Cash dividends to net income (ytd only)* | 43.0436% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,723 |
| Loan loss allowance to noncurrent loans | 22.8039% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4321% | 368 |
| Noncurrent loans to loans | 4.4066% | 170 |
| Net loans and leases to total assets | 49.1370% | 4,652 |
| Net loans and leases to deposits | 55.8540% | 4,756 |
| Net loans and leases to core deposits | 59.1772% | 4,736 |
| Total domestic deposits to total assets | 87.9740% | 1,250 |
| Equity capital to assets | 11.5174% | 2,251 |
| Core capital (leverage) ratio | 12.3187% | 1,598 |
| Tier 1 risk-based capital ratio | 18.5058% | 1,668 |
| Total risk-based capital ratio | 18.9486% | 1,829 |
| Memoranda: | ||
| Average total assets | $323,843,000 | 2,034 |
| Average earning assets | $300,267,750 | 2,032 |
| Average equity | $42,241,500 | 1,771 |
| Average total loans | $184,994,250 | 2,307 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,291 |
| Cost of funding earning assets | 0.2932% | 4,460 |
| Net interest margin | 3.8538% | 2,369 |
| Noninterest income to average assets | 0.5889% | 2,389 |
| Noninterest expense to average assets | 3.2107% | 1,512 |
| Loan and lease loss provision to assets | 0.0967% | 1,998 |
| Net operating income to assets | 0.8668% | 3,596 |
| Return on assets (ROA) | 0.8727% | 3,579 |
| Pretax return on assets | 0.8727% | 4,049 |
| Return on Equity (ROE) | 6.3616% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.5687% | 3,815 |
| Net charge-offs to loans | 1.0853% | 121 |
| Credit loss provision to net charge-offs | 14.8515% | 2,714 |
| Earnings coverage of net charge-offs (x) | 1.4792% | 3,059 |
| Efficiency ratio | 76.9159% | 1,326 |
| Assets per employee ($millions) | 3.8287% | 4,168 |
| Cash dividends to net income (ytd only)* | 43.9024% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5485% | 5,197 |
| Loan loss allowance to noncurrent loans | 11.2545% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.2959% | 207 |
| Noncurrent loans to loans | 4.8739% | 142 |
| Net loans and leases to total assets | 62.2200% | 3,575 |
| Net loans and leases to deposits | 72.9079% | 3,641 |
| Net loans and leases to core deposits | 78.3669% | 3,545 |
| Total domestic deposits to total assets | 85.3405% | 2,551 |
| Equity capital to assets | 14.0432% | 922 |
| Core capital (leverage) ratio | 14.1051% | 881 |
| Tier 1 risk-based capital ratio | 19.1971% | 1,502 |
| Total risk-based capital ratio | 19.6589% | 1,658 |
| Memoranda: | ||
| Average total assets | $310,088,670 | 2,118 |
| Average earning assets | $288,496,000 | 2,105 |
| Average equity | $42,536,670 | 1,764 |
| Average total loans | $186,121,330 | 2,300 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1204% | 3,164 |
| Cost of funding earning assets | 0.2572% | 4,666 |
| Net interest margin | 3.8632% | 2,183 |
| Noninterest income to average assets | 0.4919% | 2,854 |
| Noninterest expense to average assets | 3.0545% | 1,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0360% | 2,708 |
| Return on assets (ROA) | 1.0526% | 2,646 |
| Pretax return on assets | 1.0526% | 3,349 |
| Return on Equity (ROE) | 7.7619% | 3,484 |
| Retained earnings to average equity (ytd only) | 5.0462% | 3,148 |
| Net charge-offs to loans | 0.0607% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 29.0357% | 1,260 |
| Efficiency ratio | 74.6729% | 1,800 |
| Assets per employee ($millions) | 3.8239% | 4,255 |
| Cash dividends to net income (ytd only)* | 34.9879% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 4,050 |
| Loan loss allowance to noncurrent loans | 24.7224% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 2.7509% | 316 |
| Noncurrent loans to loans | 3.9767% | 252 |
| Net loans and leases to total assets | 62.3450% | 3,506 |
| Net loans and leases to deposits | 72.9453% | 3,519 |
| Net loans and leases to core deposits | 79.7743% | 3,341 |
| Total domestic deposits to total assets | 85.4681% | 2,767 |
| Equity capital to assets | 14.0201% | 888 |
| Core capital (leverage) ratio | 13.7738% | 926 |
| Tier 1 risk-based capital ratio | 18.8695% | 1,583 |
| Total risk-based capital ratio | 18.8695% | 1,893 |
| Memoranda: | ||
| Average total assets | $313,899,500 | 2,120 |
| Average earning assets | $292,400,500 | 2,112 |
| Average equity | $42,567,000 | 1,771 |
| Average total loans | $184,565,500 | 2,327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,358 |
| Cost of funding earning assets | 0.2619% | 4,465 |
| Net interest margin | 3.7513% | 2,602 |
| Noninterest income to average assets | 0.5196% | 2,880 |
| Noninterest expense to average assets | 2.8705% | 2,550 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0970% | 1,863 |
| Return on assets (ROA) | 1.1512% | 1,709 |
| Pretax return on assets | 1.1512% | 2,979 |
| Return on Equity (ROE) | 8.8899% | 2,363 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,474 |
| Net charge-offs to loans | 0.7895% | 256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.5355% | 3,733 |
| Efficiency ratio | 72.3495% | 2,171 |
| Assets per employee ($millions) | 4.1229% | 3,778 |
| Cash dividends to net income (ytd only)* | 65.6038% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0608% | 3,555 |
| Loan loss allowance to noncurrent loans | 29.6331% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 2.1955% | 472 |
| Noncurrent loans to loans | 3.5797% | 278 |
| Net loans and leases to total assets | 54.3508% | 4,329 |
| Net loans and leases to deposits | 62.9025% | 4,382 |
| Net loans and leases to core deposits | 69.4793% | 4,207 |
| Total domestic deposits to total assets | 86.4049% | 2,272 |
| Equity capital to assets | 13.1346% | 1,200 |
| Core capital (leverage) ratio | 12.8609% | 1,194 |
| Tier 1 risk-based capital ratio | 18.3158% | 1,711 |
| Total risk-based capital ratio | 19.1360% | 1,781 |
| Memoranda: | ||
| Average total assets | $332,350,000 | 1,995 |
| Average earning assets | $305,471,000 | 2,014 |
| Average equity | $43,037,400 | 1,727 |
| Average total loans | $182,130,400 | 2,304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,224 |
| Cost of funding earning assets | 0.2629% | 4,455 |
| Net interest margin | 3.7744% | 2,487 |
| Noninterest income to average assets | 0.6183% | 2,374 |
| Noninterest expense to average assets | 2.7995% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2746% | 1,418 |
| Return on assets (ROA) | 1.3464% | 1,230 |
| Pretax return on assets | 1.3464% | 2,303 |
| Return on Equity (ROE) | 10.4340% | 1,936 |
| Retained earnings to average equity (ytd only) | 6.3322% | 2,040 |
| Net charge-offs to loans | 0.4745% | 433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.9048% | 3,170 |
| Efficiency ratio | 68.7145% | 2,753 |
| Assets per employee ($millions) | 4.2006% | 3,640 |
| Cash dividends to net income (ytd only)* | 39.3123% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5455% | 1,377 |
| Loan loss allowance to noncurrent loans | 36.4463% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.6338% | 387 |
| Noncurrent loans to loans | 4.2405% | 223 |
| Net loans and leases to total assets | 51.5438% | 4,609 |
| Net loans and leases to deposits | 59.9331% | 4,644 |
| Net loans and leases to core deposits | 67.6994% | 4,372 |
| Total domestic deposits to total assets | 86.0022% | 2,312 |
| Equity capital to assets | 13.3393% | 1,233 |
| Core capital (leverage) ratio | 12.8149% | 1,280 |
| Tier 1 risk-based capital ratio | 18.9031% | 1,616 |
| Total risk-based capital ratio | 20.0801% | 1,590 |
| Memoranda: | ||
| Average total assets | $334,009,500 | 1,995 |
| Average earning assets | $305,805,500 | 2,025 |
| Average equity | $43,101,500 | 1,740 |
| Average total loans | $182,931,750 | 2,309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,233 |
| Cost of funding earning assets | 0.2639% | 4,429 |
| Net interest margin | 3.7280% | 2,555 |
| Noninterest income to average assets | 0.6298% | 2,318 |
| Noninterest expense to average assets | 2.8148% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2422% | 1,470 |
| Return on assets (ROA) | 1.3354% | 1,227 |
| Pretax return on assets | 1.3354% | 2,252 |
| Return on Equity (ROE) | 10.4651% | 1,850 |
| Retained earnings to average equity (ytd only) | 6.3540% | 1,933 |
| Net charge-offs to loans | 0.6108% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.6602% | 3,016 |
| Efficiency ratio | 69.3814% | 2,792 |
| Assets per employee ($millions) | 4.1607% | 3,695 |
| Cash dividends to net income (ytd only)* | 39.2841% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,547 |
| Loan loss allowance to noncurrent loans | 29.2786% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.2629% | 259 |
| Noncurrent loans to loans | 5.1539% | 140 |
| Net loans and leases to total assets | 54.9651% | 4,317 |
| Net loans and leases to deposits | 63.7888% | 4,381 |
| Net loans and leases to core deposits | 72.8663% | 4,028 |
| Total domestic deposits to total assets | 86.1674% | 2,307 |
| Equity capital to assets | 13.3176% | 1,220 |
| Core capital (leverage) ratio | 12.1831% | 1,543 |
| Tier 1 risk-based capital ratio | 17.8862% | 1,892 |
| Total risk-based capital ratio | 19.0530% | 1,877 |
| Memoranda: | ||
| Average total assets | $334,730,670 | 2,003 |
| Average earning assets | $307,722,330 | 2,013 |
| Average equity | $42,713,330 | 1,750 |
| Average total loans | $185,998,670 | 2,298 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,271 |
| Cost of funding earning assets | 0.2597% | 4,457 |
| Net interest margin | 3.6721% | 2,596 |
| Noninterest income to average assets | 0.5531% | 2,645 |
| Noninterest expense to average assets | 2.7298% | 3,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2222% | 1,457 |
| Return on assets (ROA) | 1.2222% | 1,494 |
| Pretax return on assets | 1.2222% | 2,503 |
| Return on Equity (ROE) | 9.7859% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.5852% | 2,548 |
| Net charge-offs to loans | 0.2755% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,090 |
| Efficiency ratio | 69.0740% | 3,033 |
| Assets per employee ($millions) | 4.2061% | 3,650 |
| Cash dividends to net income (ytd only)* | 42.9264% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7481% | 1,060 |
| Loan loss allowance to noncurrent loans | 34.4139% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.8325% | 367 |
| Noncurrent loans to loans | 5.0796% | 159 |
| Net loans and leases to total assets | 54.2288% | 4,322 |
| Net loans and leases to deposits | 62.5716% | 4,400 |
| Net loans and leases to core deposits | 71.2318% | 4,053 |
| Total domestic deposits to total assets | 86.6668% | 2,365 |
| Equity capital to assets | 12.8854% | 1,310 |
| Core capital (leverage) ratio | 12.3020% | 1,444 |
| Tier 1 risk-based capital ratio | 17.0966% | 2,153 |
| Total risk-based capital ratio | 18.3470% | 2,103 |
| Memoranda: | ||
| Average total assets | $337,749,000 | 2,006 |
| Average earning assets | $312,631,500 | 2,010 |
| Average equity | $42,183,000 | 1,772 |
| Average total loans | $187,280,500 | 2,297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,266 |
| Cost of funding earning assets | 0.2594% | 4,473 |
| Net interest margin | 3.4230% | 3,737 |
| Noninterest income to average assets | 0.6263% | 2,524 |
| Noninterest expense to average assets | 2.7037% | 3,329 |
| Loan and lease loss provision to assets | 0.0565% | 3,252 |
| Net operating income to assets | 1.1018% | 1,900 |
| Return on assets (ROA) | 1.1018% | 1,988 |
| Pretax return on assets | 1.1018% | 3,102 |
| Return on Equity (ROE) | 9.2126% | 2,308 |
| Retained earnings to average equity (ytd only) | 6.0591% | 1,677 |
| Net charge-offs to loans | 1.9955% | 70 |
| Credit loss provision to net charge-offs | 5.4630% | 3,763 |
| Earnings coverage of net charge-offs (x) | 1.1199% | 4,037 |
| Efficiency ratio | 67.5640% | 3,332 |
| Assets per employee ($millions) | 4.3445% | 3,371 |
| Cash dividends to net income (ytd only)* | 34.2308% | 3,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7451% | 1,049 |
| Loan loss allowance to noncurrent loans | 27.6456% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.5438% | 245 |
| Noncurrent loans to loans | 6.3124% | 89 |
| Net loans and leases to total assets | 54.7255% | 4,368 |
| Net loans and leases to deposits | 62.5388% | 4,506 |
| Net loans and leases to core deposits | 71.1551% | 4,140 |
| Total domestic deposits to total assets | 87.5064% | 1,876 |
| Equity capital to assets | 12.1061% | 1,740 |
| Core capital (leverage) ratio | 11.6860% | 1,804 |
| Tier 1 risk-based capital ratio | 16.2449% | 2,453 |
| Total risk-based capital ratio | 17.4956% | 2,392 |
| Memoranda: | ||
| Average total assets | $353,959,800 | 1,887 |
| Average earning assets | $334,594,400 | 1,852 |
| Average equity | $42,333,200 | 1,746 |
| Average total loans | $183,463,400 | 2,279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,148 |
| Cost of funding earning assets | 0.2586% | 4,529 |
| Net interest margin | 3.4708% | 3,584 |
| Noninterest income to average assets | 0.6755% | 2,284 |
| Noninterest expense to average assets | 2.7294% | 3,255 |
| Loan and lease loss provision to assets | 0.0748% | 2,723 |
| Net operating income to assets | 1.1529% | 1,797 |
| Return on assets (ROA) | 1.1529% | 1,895 |
| Pretax return on assets | 1.1529% | 3,032 |
| Return on Equity (ROE) | 9.6685% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.6685% | 649 |
| Net charge-offs to loans | 1.7678% | 70 |
| Credit loss provision to net charge-offs | 8.3091% | 3,374 |
| Earnings coverage of net charge-offs (x) | 1.3644% | 3,703 |
| Efficiency ratio | 66.6037% | 3,486 |
| Assets per employee ($millions) | 4.3579% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5133% | 331 |
| Loan loss allowance to noncurrent loans | 54.0935% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 2.4838% | 550 |
| Noncurrent loans to loans | 4.6462% | 198 |
| Net loans and leases to total assets | 51.7367% | 4,674 |
| Net loans and leases to deposits | 59.7815% | 4,775 |
| Net loans and leases to core deposits | 68.2040% | 4,455 |
| Total domestic deposits to total assets | 86.5430% | 2,108 |
| Equity capital to assets | 12.8912% | 1,552 |
| Core capital (leverage) ratio | 11.4997% | 2,031 |
| Tier 1 risk-based capital ratio | 16.8830% | 2,267 |
| Total risk-based capital ratio | 18.1407% | 2,219 |
| Memoranda: | ||
| Average total assets | $356,646,000 | 1,878 |
| Average earning assets | $337,202,750 | 1,843 |
| Average equity | $42,529,000 | 1,749 |
| Average total loans | $181,538,750 | 2,298 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,305 |
| Cost of funding earning assets | 0.2571% | 4,579 |
| Net interest margin | 3.4422% | 3,715 |
| Noninterest income to average assets | 0.6181% | 2,517 |
| Noninterest expense to average assets | 2.7170% | 3,333 |
| Loan and lease loss provision to assets | 0.1109% | 2,026 |
| Net operating income to assets | 1.0489% | 2,183 |
| Return on assets (ROA) | 1.0489% | 2,308 |
| Pretax return on assets | 1.0489% | 3,399 |
| Return on Equity (ROE) | 9.0285% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.0285% | 841 |
| Net charge-offs to loans | 2.6332% | 55 |
| Credit loss provision to net charge-offs | 8.3857% | 3,007 |
| Earnings coverage of net charge-offs (x) | 0.8771% | 3,474 |
| Efficiency ratio | 67.6963% | 3,404 |
| Assets per employee ($millions) | 4.6388% | 2,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6009% | 320 |
| Loan loss allowance to noncurrent loans | 55.1189% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 2.2842% | 655 |
| Noncurrent loans to loans | 4.7187% | 199 |
| Net loans and leases to total assets | 47.1489% | 5,055 |
| Net loans and leases to deposits | 53.7633% | 5,152 |
| Net loans and leases to core deposits | 61.2343% | 4,918 |
| Total domestic deposits to total assets | 87.6972% | 1,573 |
| Equity capital to assets | 11.8220% | 2,253 |
| Core capital (leverage) ratio | 10.6187% | 2,833 |
| Tier 1 risk-based capital ratio | 16.3670% | 2,477 |
| Total risk-based capital ratio | 17.6245% | 2,419 |
| Memoranda: | ||
| Average total assets | $360,770,000 | 1,858 |
| Average earning assets | $341,530,000 | 1,823 |
| Average equity | $41,911,670 | 1,770 |
| Average total loans | $181,149,000 | 2,302 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,837 |
| Cost of funding earning assets | 0.2575% | 4,631 |
| Net interest margin | 3.5736% | 3,190 |
| Noninterest income to average assets | 0.8784% | 1,362 |
| Noninterest expense to average assets | 2.8990% | 2,709 |
| Loan and lease loss provision to assets | 0.1118% | 1,864 |
| Net operating income to assets | 1.2494% | 1,410 |
| Return on assets (ROA) | 1.2494% | 1,507 |
| Pretax return on assets | 1.2494% | 2,506 |
| Return on Equity (ROE) | 10.8529% | 1,651 |
| Retained earnings to average equity (ytd only) | 10.8529% | 678 |
| Net charge-offs to loans | 0.3016% | 714 |
| Credit loss provision to net charge-offs | 72.4638% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.8261% | 2,026 |
| Efficiency ratio | 65.8447% | 3,827 |
| Assets per employee ($millions) | 4.4612% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7427% | 107 |
| Loan loss allowance to noncurrent loans | 66.3688% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.8888% | 451 |
| Noncurrent loans to loans | 5.6392% | 160 |
| Net loans and leases to total assets | 48.1056% | 4,963 |
| Net loans and leases to deposits | 54.6639% | 5,064 |
| Net loans and leases to core deposits | 62.3403% | 4,796 |
| Total domestic deposits to total assets | 88.0025% | 1,639 |
| Equity capital to assets | 11.6358% | 2,303 |
| Core capital (leverage) ratio | 10.7672% | 2,655 |
| Tier 1 risk-based capital ratio | 17.9111% | 2,009 |
| Total risk-based capital ratio | 19.1835% | 1,970 |
| Memoranda: | ||
| Average total assets | $357,920,500 | 1,873 |
| Average earning assets | $338,702,000 | 1,836 |
| Average equity | $41,205,500 | 1,792 |
| Average total loans | $183,023,500 | 2,282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6167% | 4,622 |
| Cost of funding earning assets | 0.2560% | 4,722 |
| Net interest margin | 3.3607% | 4,073 |
| Noninterest income to average assets | 0.5754% | 2,856 |
| Noninterest expense to average assets | 2.4898% | 4,254 |
| Loan and lease loss provision to assets | 2.5442% | 20 |
| Net operating income to assets | -1.2751% | 6,118 |
| Return on assets (ROA) | -1.2453% | 6,118 |
| Pretax return on assets | -1.2453% | 6,116 |
| Return on Equity (ROE) | -10.3229% | 6,103 |
| Retained earnings to average equity (ytd only) | -12.1559% | 6,062 |
| Net charge-offs to loans | 2.6347% | 43 |
| Credit loss provision to net charge-offs | 189.4397% | 1,456 |
| Earnings coverage of net charge-offs (x) | 0.9450% | 4,157 |
| Efficiency ratio | 64.2785% | 4,204 |
| Assets per employee ($millions) | 4.3230% | 3,354 |
| Cash dividends to net income (ytd only)* | -17.7570% | 6,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6661% | 108 |
| Loan loss allowance to noncurrent loans | 81.5032% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 2.3533% | 681 |
| Noncurrent loans to loans | 4.4982% | 240 |
| Net loans and leases to total assets | 50.3989% | 4,837 |
| Net loans and leases to deposits | 57.1067% | 4,973 |
| Net loans and leases to core deposits | 65.2154% | 4,652 |
| Total domestic deposits to total assets | 88.2538% | 1,506 |
| Equity capital to assets | 11.3868% | 2,457 |
| Core capital (leverage) ratio | 10.4259% | 3,027 |
| Tier 1 risk-based capital ratio | 17.6017% | 2,089 |
| Total risk-based capital ratio | 18.8748% | 2,036 |
| Memoranda: | ||
| Average total assets | $369,473,000 | 1,778 |
| Average earning assets | $349,985,800 | 1,730 |
| Average equity | $44,570,800 | 1,657 |
| Average total loans | $188,331,000 | 2,171 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,726 |
| Cost of funding earning assets | 0.2531% | 4,843 |
| Net interest margin | 3.3514% | 4,134 |
| Noninterest income to average assets | 0.5552% | 3,022 |
| Noninterest expense to average assets | 2.4682% | 4,291 |
| Loan and lease loss provision to assets | 1.4468% | 35 |
| Net operating income to assets | -0.1858% | 6,040 |
| Return on assets (ROA) | -0.1465% | 6,041 |
| Pretax return on assets | -0.1465% | 6,028 |
| Return on Equity (ROE) | -1.1982% | 6,037 |
| Retained earnings to average equity (ytd only) | -3.5859% | 5,969 |
| Net charge-offs to loans | 0.0092% | 3,843 |
| Credit loss provision to net charge-offs | 31,153.8462% | 9 |
| Earnings coverage of net charge-offs (x) | 271.5840% | 260 |
| Efficiency ratio | 64.3836% | 4,178 |
| Assets per employee ($millions) | 4.3451% | 3,251 |
| Cash dividends to net income (ytd only)* | -199.2701% | 6,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3556% | 170 |
| Loan loss allowance to noncurrent loans | 48.7987% | 4,981 |
| Noncurrent assets plus other real estate owned to assets | 3.6798% | 334 |
| Noncurrent loans to loans | 6.8764% | 106 |
| Net loans and leases to total assets | 51.7184% | 4,778 |
| Net loans and leases to deposits | 59.5988% | 4,882 |
| Net loans and leases to core deposits | 67.7038% | 4,568 |
| Total domestic deposits to total assets | 86.7775% | 2,151 |
| Equity capital to assets | 12.6592% | 1,647 |
| Core capital (leverage) ratio | 11.5561% | 1,994 |
| Tier 1 risk-based capital ratio | 19.1539% | 1,736 |
| Total risk-based capital ratio | 20.4242% | 1,696 |
| Memoranda: | ||
| Average total assets | $373,220,750 | 1,774 |
| Average earning assets | $353,474,750 | 1,719 |
| Average equity | $45,622,500 | 1,622 |
| Average total loans | $189,050,250 | 2,180 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,840 |
| Cost of funding earning assets | 0.2499% | 4,943 |
| Net interest margin | 3.3080% | 4,272 |
| Noninterest income to average assets | 0.5348% | 3,139 |
| Noninterest expense to average assets | 2.4109% | 4,512 |
| Loan and lease loss provision to assets | 2.0852% | 21 |
| Net operating income to assets | -0.8240% | 6,246 |
| Return on assets (ROA) | -0.7660% | 6,240 |
| Pretax return on assets | -0.7660% | 6,230 |
| Return on Equity (ROE) | -6.3369% | 6,211 |
| Retained earnings to average equity (ytd only) | -8.6253% | 6,150 |
| Net charge-offs to loans | 0.0329% | 3,006 |
| Credit loss provision to net charge-offs | 12,741.9355% | 38 |
| Earnings coverage of net charge-offs (x) | 77.0645% | 723 |
| Efficiency ratio | 64.1604% | 4,328 |
| Assets per employee ($millions) | 4.4870% | 3,007 |
| Cash dividends to net income (ytd only)* | -36.1130% | 6,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3017% | 192 |
| Loan loss allowance to noncurrent loans | 45.0955% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.7849% | 361 |
| Noncurrent loans to loans | 7.3216% | 109 |
| Net loans and leases to total assets | 49.9886% | 4,934 |
| Net loans and leases to deposits | 57.0349% | 5,058 |
| Net loans and leases to core deposits | 64.7700% | 4,754 |
| Total domestic deposits to total assets | 87.6455% | 1,820 |
| Equity capital to assets | 11.8633% | 2,130 |
| Core capital (leverage) ratio | 10.7372% | 2,691 |
| Tier 1 risk-based capital ratio | 18.4968% | 1,923 |
| Total risk-based capital ratio | 19.7660% | 1,880 |
| Memoranda: | ||
| Average total assets | $378,862,670 | 1,753 |
| Average earning assets | $359,308,330 | 1,706 |
| Average equity | $45,795,330 | 1,627 |
| Average total loans | $188,511,000 | 2,197 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5288% | 4,890 |
| Cost of funding earning assets | 0.2476% | 5,051 |
| Net interest margin | 3.2812% | 4,289 |
| Noninterest income to average assets | 0.5006% | 3,284 |
| Noninterest expense to average assets | 2.3376% | 4,774 |
| Loan and lease loss provision to assets | 0.1041% | 1,970 |
| Net operating income to assets | 1.1761% | 1,615 |
| Return on assets (ROA) | 1.2906% | 1,387 |
| Pretax return on assets | 1.2906% | 2,325 |
| Return on Equity (ROE) | 10.5828% | 1,771 |
| Retained earnings to average equity (ytd only) | 6.1107% | 2,429 |
| Net charge-offs to loans | 0.0533% | 2,244 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 49.2000% | 844 |
| Efficiency ratio | 63.1185% | 4,610 |
| Assets per employee ($millions) | 4.6498% | 2,834 |
| Cash dividends to net income (ytd only)* | 42.2581% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 3,369 |
| Loan loss allowance to noncurrent loans | 18.8457% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 3.4066% | 498 |
| Noncurrent loans to loans | 6.9289% | 130 |
| Net loans and leases to total assets | 48.2880% | 5,002 |
| Net loans and leases to deposits | 55.4026% | 5,087 |
| Net loans and leases to core deposits | 63.0627% | 4,775 |
| Total domestic deposits to total assets | 87.1585% | 2,284 |
| Equity capital to assets | 12.4400% | 1,728 |
| Core capital (leverage) ratio | 11.3342% | 2,130 |
| Tier 1 risk-based capital ratio | 20.6758% | 1,484 |
| Total risk-based capital ratio | 21.8183% | 1,480 |
| Memoranda: | ||
| Average total assets | $384,328,000 | 1,737 |
| Average earning assets | $365,114,500 | 1,685 |
| Average equity | $46,868,500 | 1,597 |
| Average total loans | $187,664,500 | 2,204 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,586 |
| Cost of funding earning assets | 0.2661% | 5,147 |
| Net interest margin | 3.5021% | 3,780 |
| Noninterest income to average assets | 0.5704% | 3,049 |
| Noninterest expense to average assets | 2.3305% | 5,021 |
| Loan and lease loss provision to assets | 0.3068% | 670 |
| Net operating income to assets | 1.2420% | 1,460 |
| Return on assets (ROA) | 1.2573% | 1,468 |
| Pretax return on assets | 1.2573% | 2,409 |
| Return on Equity (ROE) | 10.7376% | 1,805 |
| Retained earnings to average equity (ytd only) | 3.3993% | 3,791 |
| Net charge-offs to loans | 0.2131% | 1,963 |
| Credit loss provision to net charge-offs | 303.3419% | 859 |
| Earnings coverage of net charge-offs (x) | 15.3136% | 2,090 |
| Efficiency ratio | 57.8379% | 5,476 |
| Assets per employee ($millions) | 4.7823% | 2,615 |
| Cash dividends to net income (ytd only)* | 68.3416% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 3,717 |
| Loan loss allowance to noncurrent loans | 18.4655% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 3.3170% | 574 |
| Noncurrent loans to loans | 6.7731% | 149 |
| Net loans and leases to total assets | 48.1236% | 5,141 |
| Net loans and leases to deposits | 54.8555% | 5,262 |
| Net loans and leases to core deposits | 62.0287% | 4,996 |
| Total domestic deposits to total assets | 87.7280% | 1,910 |
| Equity capital to assets | 11.9537% | 2,045 |
| Core capital (leverage) ratio | 10.7736% | 2,646 |
| Tier 1 risk-based capital ratio | 16.6913% | 2,642 |
| Total risk-based capital ratio | 17.6014% | 2,731 |
| Memoranda: | ||
| Average total assets | $384,633,000 | 1,707 |
| Average earning assets | $363,409,200 | 1,653 |
| Average equity | $45,038,200 | 1,601 |
| Average total loans | $182,574,600 | 2,201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8735% | 4,263 |
| Cost of funding earning assets | 0.2686% | 5,222 |
| Net interest margin | 3.6049% | 3,406 |
| Noninterest income to average assets | 0.5695% | 3,071 |
| Noninterest expense to average assets | 2.2798% | 5,155 |
| Loan and lease loss provision to assets | 0.1840% | 1,330 |
| Net operating income to assets | 1.5081% | 925 |
| Return on assets (ROA) | 1.5286% | 920 |
| Pretax return on assets | 1.5286% | 1,550 |
| Return on Equity (ROE) | 13.1239% | 1,192 |
| Retained earnings to average equity (ytd only) | 7.6054% | 1,529 |
| Net charge-offs to loans | 0.1606% | 2,198 |
| Credit loss provision to net charge-offs | 243.1193% | 1,078 |
| Earnings coverage of net charge-offs (x) | 22.3532% | 1,632 |
| Efficiency ratio | 55.1582% | 5,729 |
| Assets per employee ($millions) | 4.7920% | 2,532 |
| Cash dividends to net income (ytd only)* | 42.0491% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 5,152 |
| Loan loss allowance to noncurrent loans | 156.6556% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 4,473 |
| Noncurrent loans to loans | 0.6469% | 3,995 |
| Net loans and leases to total assets | 47.9765% | 5,207 |
| Net loans and leases to deposits | 54.9253% | 5,312 |
| Net loans and leases to core deposits | 62.3330% | 5,017 |
| Total domestic deposits to total assets | 87.3485% | 2,123 |
| Equity capital to assets | 12.2380% | 1,881 |
| Core capital (leverage) ratio | 11.0495% | 2,438 |
| Tier 1 risk-based capital ratio | 17.3061% | 2,471 |
| Total risk-based capital ratio | 18.0427% | 2,637 |
| Memoranda: | ||
| Average total assets | $383,949,000 | 1,717 |
| Average earning assets | $362,388,500 | 1,671 |
| Average equity | $44,721,500 | 1,616 |
| Average total loans | $181,024,000 | 2,233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,568 |
| Cost of funding earning assets | 0.2671% | 5,318 |
| Net interest margin | 3.7781% | 2,644 |
| Noninterest income to average assets | 0.4061% | 4,202 |
| Noninterest expense to average assets | 2.2991% | 5,158 |
| Loan and lease loss provision to assets | 0.1197% | 2,056 |
| Net operating income to assets | 1.5510% | 793 |
| Return on assets (ROA) | 1.6140% | 712 |
| Pretax return on assets | 1.6140% | 1,218 |
| Return on Equity (ROE) | 14.0941% | 936 |
| Retained earnings to average equity (ytd only) | 8.5429% | 1,132 |
| Net charge-offs to loans | 0.1037% | 2,645 |
| Credit loss provision to net charge-offs | 247.3118% | 1,002 |
| Earnings coverage of net charge-offs (x) | 34.5054% | 1,164 |
| Efficiency ratio | 55.5934% | 5,785 |
| Assets per employee ($millions) | 4.6098% | 2,755 |
| Cash dividends to net income (ytd only)* | 39.3871% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 5,614 |
| Loan loss allowance to noncurrent loans | 61.2487% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 3,334 |
| Noncurrent loans to loans | 1.5287% | 2,274 |
| Net loans and leases to total assets | 48.3698% | 5,143 |
| Net loans and leases to deposits | 55.4946% | 5,239 |
| Net loans and leases to core deposits | 62.9973% | 4,899 |
| Total domestic deposits to total assets | 87.1613% | 2,366 |
| Equity capital to assets | 12.3958% | 1,708 |
| Core capital (leverage) ratio | 11.4398% | 2,061 |
| Tier 1 risk-based capital ratio | 17.4805% | 2,420 |
| Total risk-based capital ratio | 18.1666% | 2,622 |
| Memoranda: | ||
| Average total assets | $384,144,330 | 1,715 |
| Average earning assets | $362,346,670 | 1,665 |
| Average equity | $43,990,000 | 1,630 |
| Average total loans | $179,429,670 | 2,241 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0390% | 3,527 |
| Cost of funding earning assets | 0.2662% | 5,432 |
| Net interest margin | 3.7729% | 2,583 |
| Noninterest income to average assets | 0.4672% | 3,654 |
| Noninterest expense to average assets | 2.3968% | 4,933 |
| Loan and lease loss provision to assets | 0.1335% | 1,814 |
| Net operating income to assets | 1.5178% | 784 |
| Return on assets (ROA) | 1.5517% | 761 |
| Pretax return on assets | 1.5517% | 1,285 |
| Return on Equity (ROE) | 14.1075% | 929 |
| Retained earnings to average equity (ytd only) | 8.5616% | 1,395 |
| Net charge-offs to loans | 0.2764% | 1,241 |
| Credit loss provision to net charge-offs | 105.6911% | 1,584 |
| Earnings coverage of net charge-offs (x) | 13.0732% | 1,683 |
| Efficiency ratio | 56.6971% | 5,783 |
| Assets per employee ($millions) | 4.7939% | 2,524 |
| Cash dividends to net income (ytd only)* | 39.3117% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,939 |
| Loan loss allowance to noncurrent loans | 62.1505% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 3,747 |
| Noncurrent loans to loans | 1.4072% | 2,677 |
| Net loans and leases to total assets | 45.4985% | 5,386 |
| Net loans and leases to deposits | 51.4205% | 5,487 |
| Net loans and leases to core deposits | 59.3068% | 5,104 |
| Total domestic deposits to total assets | 88.4831% | 1,946 |
| Equity capital to assets | 11.1600% | 2,566 |
| Core capital (leverage) ratio | 10.9394% | 2,449 |
| Tier 1 risk-based capital ratio | 16.8823% | 2,741 |
| Total risk-based capital ratio | 17.5098% | 2,988 |
| Memoranda: | ||
| Average total assets | $389,519,500 | 1,708 |
| Average earning assets | $369,693,500 | 1,651 |
| Average equity | $42,842,500 | 1,660 |
| Average total loans | $177,986,000 | 2,256 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8156% | 4,760 |
| Cost of funding earning assets | 0.3460% | 5,186 |
| Net interest margin | 3.4696% | 4,028 |
| Noninterest income to average assets | 0.4317% | 4,219 |
| Noninterest expense to average assets | 2.3549% | 5,216 |
| Loan and lease loss provision to assets | 0.0453% | 4,212 |
| Net operating income to assets | 1.3160% | 1,213 |
| Return on assets (ROA) | 1.3320% | 1,217 |
| Pretax return on assets | 1.3320% | 2,037 |
| Return on Equity (ROE) | 11.6612% | 1,533 |
| Retained earnings to average equity (ytd only) | 5.2800% | 2,429 |
| Net charge-offs to loans | 0.1405% | 3,405 |
| Credit loss provision to net charge-offs | 71.1297% | 3,276 |
| Earnings coverage of net charge-offs (x) | 21.3724% | 1,498 |
| Efficiency ratio | 61.1948% | 5,331 |
| Assets per employee ($millions) | 4.8242% | 2,412 |
| Cash dividends to net income (ytd only)* | 54.7219% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 5,951 |
| Loan loss allowance to noncurrent loans | 50.5473% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 3,535 |
| Noncurrent loans to loans | 1.7694% | 2,276 |
| Net loans and leases to total assets | 45.0769% | 5,575 |
| Net loans and leases to deposits | 50.7545% | 5,709 |
| Net loans and leases to core deposits | 58.3638% | 5,360 |
| Total domestic deposits to total assets | 88.8137% | 1,741 |
| Equity capital to assets | 10.8346% | 2,783 |
| Core capital (leverage) ratio | 10.3932% | 3,027 |
| Tier 1 risk-based capital ratio | 16.8925% | 2,662 |
| Total risk-based capital ratio | 17.5326% | 2,922 |
| Memoranda: | ||
| Average total assets | $375,223,200 | 1,747 |
| Average earning assets | $355,203,000 | 1,690 |
| Average equity | $42,860,200 | 1,638 |
| Average total loans | $170,057,800 | 2,304 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 4,700 |
| Cost of funding earning assets | 0.3679% | 5,121 |
| Net interest margin | 3.4717% | 4,007 |
| Noninterest income to average assets | 0.3926% | 4,590 |
| Noninterest expense to average assets | 2.3735% | 5,104 |
| Loan and lease loss provision to assets | 0.0215% | 4,573 |
| Net operating income to assets | 1.2805% | 1,396 |
| Return on assets (ROA) | 1.3020% | 1,406 |
| Pretax return on assets | 1.3020% | 2,320 |
| Return on Equity (ROE) | 11.2486% | 1,729 |
| Retained earnings to average equity (ytd only) | 7.1826% | 1,797 |
| Net charge-offs to loans | 0.0142% | 4,846 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 202.1063% | 289 |
| Efficiency ratio | 62.7459% | 5,023 |
| Assets per employee ($millions) | 4.9288% | 2,263 |
| Cash dividends to net income (ytd only)* | 36.1462% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 5,733 |
| Loan loss allowance to noncurrent loans | 55.6070% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 4,090 |
| Noncurrent loans to loans | 1.7929% | 2,506 |
| Net loans and leases to total assets | 41.8130% | 5,914 |
| Net loans and leases to deposits | 47.1810% | 6,021 |
| Net loans and leases to core deposits | 52.0795% | 5,886 |
| Total domestic deposits to total assets | 88.6227% | 1,769 |
| Equity capital to assets | 10.8558% | 2,910 |
| Core capital (leverage) ratio | 10.6136% | 2,874 |
| Tier 1 risk-based capital ratio | 17.0364% | 2,692 |
| Total risk-based capital ratio | 17.7312% | 2,915 |
| Memoranda: | ||
| Average total assets | $372,544,500 | 1,764 |
| Average earning assets | $352,284,750 | 1,716 |
| Average equity | $43,121,500 | 1,634 |
| Average total loans | $168,687,500 | 2,326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 4,636 |
| Cost of funding earning assets | 0.4048% | 4,894 |
| Net interest margin | 3.4507% | 4,002 |
| Noninterest income to average assets | 0.4587% | 4,101 |
| Noninterest expense to average assets | 2.4210% | 4,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2914% | 1,345 |
| Return on assets (ROA) | 1.3244% | 1,342 |
| Pretax return on assets | 1.3244% | 2,215 |
| Return on Equity (ROE) | 11.1873% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.2151% | 1,783 |
| Net charge-offs to loans | 0.0261% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 106.7273% | 444 |
| Efficiency ratio | 63.3630% | 4,952 |
| Assets per employee ($millions) | 4.4128% | 2,958 |
| Cash dividends to net income (ytd only)* | 35.5066% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,011 |
| Loan loss allowance to noncurrent loans | 117.4419% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 5,164 |
| Noncurrent loans to loans | 0.8039% | 4,303 |
| Net loans and leases to total assets | 48.0300% | 5,327 |
| Net loans and leases to deposits | 54.6466% | 5,463 |
| Net loans and leases to core deposits | 61.7959% | 5,115 |
| Total domestic deposits to total assets | 87.8921% | 2,320 |
| Equity capital to assets | 11.5961% | 2,218 |
| Core capital (leverage) ratio | 11.2977% | 2,090 |
| Tier 1 risk-based capital ratio | 16.9662% | 2,731 |
| Total risk-based capital ratio | 17.6451% | 2,947 |
| Memoranda: | ||
| Average total assets | $363,648,670 | 1,804 |
| Average earning assets | $342,888,330 | 1,751 |
| Average equity | $43,048,670 | 1,632 |
| Average total loans | $168,712,670 | 2,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 4,895 |
| Cost of funding earning assets | 0.4223% | 4,889 |
| Net interest margin | 3.3556% | 4,291 |
| Noninterest income to average assets | 0.3881% | 4,551 |
| Noninterest expense to average assets | 2.3580% | 5,245 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1915% | 1,548 |
| Return on assets (ROA) | 1.1915% | 1,661 |
| Pretax return on assets | 1.1915% | 2,611 |
| Return on Equity (ROE) | 9.9672% | 2,072 |
| Retained earnings to average equity (ytd only) | 5.8951% | 2,741 |
| Net charge-offs to loans | 0.0215% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 122.1111% | 313 |
| Efficiency ratio | 64.5388% | 4,914 |
| Assets per employee ($millions) | 4.5664% | 2,856 |
| Cash dividends to net income (ytd only)* | 40.8553% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,084 |
| Loan loss allowance to noncurrent loans | 145.9677% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 5,638 |
| Noncurrent loans to loans | 0.6617% | 4,799 |
| Net loans and leases to total assets | 45.7223% | 5,463 |
| Net loans and leases to deposits | 52.2851% | 5,591 |
| Net loans and leases to core deposits | 59.5899% | 5,186 |
| Total domestic deposits to total assets | 87.4481% | 2,660 |
| Equity capital to assets | 12.0765% | 1,990 |
| Core capital (leverage) ratio | 10.6887% | 2,559 |
| Tier 1 risk-based capital ratio | 16.7463% | 2,885 |
| Total risk-based capital ratio | 17.4383% | 3,112 |
| Memoranda: | ||
| Average total assets | $368,960,500 | 1,790 |
| Average earning assets | $347,596,500 | 1,747 |
| Average equity | $44,104,500 | 1,620 |
| Average total loans | $167,482,000 | 2,347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 3,967 |
| Cost of funding earning assets | 0.5197% | 5,073 |
| Net interest margin | 3.8445% | 3,046 |
| Noninterest income to average assets | 0.5917% | 3,324 |
| Noninterest expense to average assets | 2.4477% | 5,259 |
| Loan and lease loss provision to assets | 0.0562% | 5,084 |
| Net operating income to assets | 1.6825% | 642 |
| Return on assets (ROA) | 1.8468% | 529 |
| Pretax return on assets | 1.8468% | 836 |
| Return on Equity (ROE) | 15.2782% | 763 |
| Retained earnings to average equity (ytd only) | 6.7957% | 1,674 |
| Net charge-offs to loans | 0.4877% | 2,281 |
| Credit loss provision to net charge-offs | 23.0150% | 5,242 |
| Earnings coverage of net charge-offs (x) | 7.1151% | 2,676 |
| Efficiency ratio | 56.7878% | 5,972 |
| Assets per employee ($millions) | 4.4892% | 2,980 |
| Cash dividends to net income (ytd only)* | 55.5200% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 6,010 |
| Loan loss allowance to noncurrent loans | 138.9313% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.3247% | 5,694 |
| Noncurrent loans to loans | 0.7089% | 4,769 |
| Net loans and leases to total assets | 44.1932% | 5,799 |
| Net loans and leases to deposits | 50.3347% | 5,931 |
| Net loans and leases to core deposits | 57.3513% | 5,604 |
| Total domestic deposits to total assets | 87.7987% | 2,348 |
| Equity capital to assets | 11.8334% | 2,156 |
| Core capital (leverage) ratio | 10.8444% | 2,397 |
| Tier 1 risk-based capital ratio | 16.3848% | 2,947 |
| Total risk-based capital ratio | 17.0781% | 3,212 |
| Memoranda: | ||
| Average total assets | $355,595,200 | 1,824 |
| Average earning assets | $332,504,800 | 1,777 |
| Average equity | $42,982,800 | 1,619 |
| Average total loans | $178,175,000 | 2,226 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 3,675 |
| Cost of funding earning assets | 0.5383% | 5,177 |
| Net interest margin | 3.9525% | 2,693 |
| Noninterest income to average assets | 0.7051% | 2,694 |
| Noninterest expense to average assets | 2.5725% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8215% | 543 |
| Return on assets (ROA) | 1.9210% | 503 |
| Pretax return on assets | 1.9210% | 832 |
| Return on Equity (ROE) | 15.8040% | 772 |
| Retained earnings to average equity (ytd only) | 10.2560% | 846 |
| Net charge-offs to loans | -0.0331% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9307% | 5,929 |
| Assets per employee ($millions) | 4.2352% | 3,395 |
| Cash dividends to net income (ytd only)* | 35.1047% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,713 |
| Loan loss allowance to noncurrent loans | 89.0950% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 4,799 |
| Noncurrent loans to loans | 1.4849% | 3,561 |
| Net loans and leases to total assets | 49.9275% | 5,318 |
| Net loans and leases to deposits | 57.6446% | 5,464 |
| Net loans and leases to core deposits | 65.5966% | 4,994 |
| Total domestic deposits to total assets | 86.6126% | 2,915 |
| Equity capital to assets | 12.8734% | 1,661 |
| Core capital (leverage) ratio | 11.0102% | 2,371 |
| Tier 1 risk-based capital ratio | 16.2420% | 3,136 |
| Total risk-based capital ratio | 17.2213% | 3,248 |
| Memoranda: | ||
| Average total assets | $351,342,250 | 1,862 |
| Average earning assets | $327,916,750 | 1,832 |
| Average equity | $42,705,500 | 1,647 |
| Average total loans | $181,142,500 | 2,212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4504% | 3,976 |
| Cost of funding earning assets | 0.5545% | 5,270 |
| Net interest margin | 3.8960% | 2,919 |
| Noninterest income to average assets | 0.7532% | 2,403 |
| Noninterest expense to average assets | 2.5336% | 5,022 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8441% | 520 |
| Return on assets (ROA) | 1.9933% | 453 |
| Pretax return on assets | 1.9933% | 705 |
| Return on Equity (ROE) | 16.7287% | 675 |
| Retained earnings to average equity (ytd only) | 10.9517% | 756 |
| Net charge-offs to loans | -0.0505% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2492% | 6,085 |
| Assets per employee ($millions) | 4.2060% | 3,444 |
| Cash dividends to net income (ytd only)* | 34.5330% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 4,991 |
| Loan loss allowance to noncurrent loans | 140.8139% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,577 |
| Noncurrent loans to loans | 0.9084% | 4,683 |
| Net loans and leases to total assets | 50.7947% | 5,251 |
| Net loans and leases to deposits | 58.0476% | 5,441 |
| Net loans and leases to core deposits | 65.8727% | 5,019 |
| Total domestic deposits to total assets | 87.5052% | 2,466 |
| Equity capital to assets | 12.1029% | 2,069 |
| Core capital (leverage) ratio | 10.6665% | 2,642 |
| Tier 1 risk-based capital ratio | 15.4170% | 3,501 |
| Total risk-based capital ratio | 16.3725% | 3,653 |
| Memoranda: | ||
| Average total assets | $351,281,670 | 1,868 |
| Average earning assets | $326,799,000 | 1,835 |
| Average equity | $41,856,330 | 1,671 |
| Average total loans | $182,236,670 | 2,191 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 3,802 |
| Cost of funding earning assets | 0.5712% | 5,352 |
| Net interest margin | 3.9574% | 2,678 |
| Noninterest income to average assets | 0.6273% | 3,070 |
| Noninterest expense to average assets | 2.4069% | 5,450 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8819% | 508 |
| Return on assets (ROA) | 2.1748% | 361 |
| Pretax return on assets | 2.1748% | 563 |
| Return on Equity (ROE) | 18.4010% | 505 |
| Retained earnings to average equity (ytd only) | 12.3742% | 773 |
| Net charge-offs to loans | -0.0154% | 6,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4602% | 6,301 |
| Assets per employee ($millions) | 4.2049% | 3,568 |
| Cash dividends to net income (ytd only)* | 32.7522% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 5,131 |
| Loan loss allowance to noncurrent loans | 155.8249% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 5,729 |
| Noncurrent loans to loans | 0.8185% | 5,042 |
| Net loans and leases to total assets | 50.7078% | 5,203 |
| Net loans and leases to deposits | 57.7208% | 5,415 |
| Net loans and leases to core deposits | 65.3661% | 4,981 |
| Total domestic deposits to total assets | 87.8501% | 2,420 |
| Equity capital to assets | 11.7682% | 2,207 |
| Core capital (leverage) ratio | 10.5885% | 2,656 |
| Tier 1 risk-based capital ratio | 15.2298% | 3,605 |
| Total risk-based capital ratio | 16.1852% | 3,763 |
| Memoranda: | ||
| Average total assets | $348,167,500 | 1,897 |
| Average earning assets | $322,130,500 | 1,871 |
| Average equity | $41,150,000 | 1,691 |
| Average total loans | $181,380,500 | 2,217 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6595% | 4,422 |
| Cost of funding earning assets | 0.6662% | 5,733 |
| Net interest margin | 3.9932% | 2,919 |
| Noninterest income to average assets | 0.6498% | 2,890 |
| Noninterest expense to average assets | 2.5874% | 5,142 |
| Loan and lease loss provision to assets | 0.0024% | 6,482 |
| Net operating income to assets | 1.7514% | 504 |
| Return on assets (ROA) | 1.8027% | 491 |
| Pretax return on assets | 1.8027% | 798 |
| Return on Equity (ROE) | 15.5570% | 670 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,085 |
| Net charge-offs to loans | 0.1496% | 4,946 |
| Credit loss provision to net charge-offs | 3.0418% | 6,054 |
| Earnings coverage of net charge-offs (x) | 22.2395% | 1,068 |
| Efficiency ratio | 57.8740% | 6,071 |
| Assets per employee ($millions) | 4.2890% | 3,279 |
| Cash dividends to net income (ytd only)* | 48.6860% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2722% | 5,049 |
| Loan loss allowance to noncurrent loans | 137.2397% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 5,682 |
| Noncurrent loans to loans | 0.9270% | 4,842 |
| Net loans and leases to total assets | 52.1778% | 5,290 |
| Net loans and leases to deposits | 59.4806% | 5,549 |
| Net loans and leases to core deposits | 67.1998% | 5,138 |
| Total domestic deposits to total assets | 87.7224% | 2,321 |
| Equity capital to assets | 11.8713% | 2,217 |
| Core capital (leverage) ratio | 10.4317% | 2,808 |
| Tier 1 risk-based capital ratio | 14.8184% | 3,747 |
| Total risk-based capital ratio | 15.7801% | 3,927 |
| Memoranda: | ||
| Average total assets | $333,500,000 | 1,941 |
| Average earning assets | $308,297,600 | 1,906 |
| Average equity | $38,645,000 | 1,747 |
| Average total loans | $175,752,800 | 2,311 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 4,477 |
| Cost of funding earning assets | 0.6887% | 5,832 |
| Net interest margin | 4.0091% | 2,883 |
| Noninterest income to average assets | 0.6077% | 3,122 |
| Noninterest expense to average assets | 2.5813% | 5,145 |
| Loan and lease loss provision to assets | 0.0032% | 6,375 |
| Net operating income to assets | 1.7340% | 585 |
| Return on assets (ROA) | 1.8029% | 560 |
| Pretax return on assets | 1.8029% | 950 |
| Return on Equity (ROE) | 15.6577% | 726 |
| Retained earnings to average equity (ytd only) | 11.1076% | 614 |
| Net charge-offs to loans | 0.1300% | 4,748 |
| Credit loss provision to net charge-offs | 4.7059% | 5,707 |
| Earnings coverage of net charge-offs (x) | 25.3766% | 1,050 |
| Efficiency ratio | 58.0287% | 6,008 |
| Assets per employee ($millions) | 4.1914% | 3,461 |
| Cash dividends to net income (ytd only)* | 29.0596% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,901 |
| Loan loss allowance to noncurrent loans | 816.6667% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 6,774 |
| Noncurrent loans to loans | 0.1622% | 6,544 |
| Net loans and leases to total assets | 53.3528% | 5,268 |
| Net loans and leases to deposits | 61.1622% | 5,492 |
| Net loans and leases to core deposits | 68.7403% | 5,094 |
| Total domestic deposits to total assets | 87.2317% | 2,505 |
| Equity capital to assets | 12.2547% | 2,054 |
| Core capital (leverage) ratio | 10.6929% | 2,673 |
| Tier 1 risk-based capital ratio | 15.1511% | 3,579 |
| Total risk-based capital ratio | 16.1736% | 3,680 |
| Memoranda: | ||
| Average total assets | $331,094,750 | 1,960 |
| Average earning assets | $306,465,250 | 1,927 |
| Average equity | $38,123,000 | 1,769 |
| Average total loans | $174,356,000 | 2,332 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 4,666 |
| Cost of funding earning assets | 0.7241% | 5,807 |
| Net interest margin | 3.9447% | 3,109 |
| Noninterest income to average assets | 0.6000% | 3,144 |
| Noninterest expense to average assets | 2.6364% | 5,052 |
| Loan and lease loss provision to assets | 0.0049% | 6,187 |
| Net operating income to assets | 1.6070% | 722 |
| Return on assets (ROA) | 1.7107% | 632 |
| Pretax return on assets | 1.7107% | 1,034 |
| Return on Equity (ROE) | 15.1885% | 766 |
| Retained earnings to average equity (ytd only) | 10.5889% | 735 |
| Net charge-offs to loans | 0.1418% | 4,347 |
| Credit loss provision to net charge-offs | 6.5574% | 5,278 |
| Earnings coverage of net charge-offs (x) | 21.7787% | 1,141 |
| Efficiency ratio | 60.2742% | 5,831 |
| Assets per employee ($millions) | 4.0908% | 3,571 |
| Cash dividends to net income (ytd only)* | 30.2837% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,621 |
| Loan loss allowance to noncurrent loans | 937.9310% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 6,836 |
| Noncurrent loans to loans | 0.1483% | 6,609 |
| Net loans and leases to total assets | 52.3603% | 5,525 |
| Net loans and leases to deposits | 59.6404% | 5,763 |
| Net loans and leases to core deposits | 66.5891% | 5,434 |
| Total domestic deposits to total assets | 87.7933% | 2,287 |
| Equity capital to assets | 11.7332% | 2,301 |
| Core capital (leverage) ratio | 10.2766% | 2,954 |
| Tier 1 risk-based capital ratio | 14.9402% | 3,524 |
| Total risk-based capital ratio | 16.0063% | 3,607 |
| Memoranda: | ||
| Average total assets | $329,688,000 | 1,976 |
| Average earning assets | $304,915,670 | 1,945 |
| Average equity | $37,133,330 | 1,801 |
| Average total loans | $172,041,000 | 2,383 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 4,784 |
| Cost of funding earning assets | 0.7626% | 5,789 |
| Net interest margin | 3.8775% | 3,258 |
| Noninterest income to average assets | 0.6057% | 3,124 |
| Noninterest expense to average assets | 2.5178% | 5,494 |
| Loan and lease loss provision to assets | 0.0097% | 5,778 |
| Net operating income to assets | 1.6591% | 609 |
| Return on assets (ROA) | 1.6591% | 643 |
| Pretax return on assets | 1.6591% | 1,061 |
| Return on Equity (ROE) | 15.0467% | 815 |
| Retained earnings to average equity (ytd only) | 15.0467% | 390 |
| Net charge-offs to loans | 0.0564% | 4,367 |
| Credit loss provision to net charge-offs | 33.3333% | 4,063 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 515 |
| Efficiency ratio | 58.3382% | 6,228 |
| Assets per employee ($millions) | 3.9558% | 3,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 4,350 |
| Loan loss allowance to noncurrent loans | 360.1132% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 6,615 |
| Noncurrent loans to loans | 0.4078% | 6,183 |
| Net loans and leases to total assets | 51.4084% | 5,661 |
| Net loans and leases to deposits | 58.0977% | 5,911 |
| Net loans and leases to core deposits | 64.9680% | 5,628 |
| Total domestic deposits to total assets | 88.4861% | 2,087 |
| Equity capital to assets | 11.1843% | 2,519 |
| Core capital (leverage) ratio | 10.2573% | 2,856 |
| Tier 1 risk-based capital ratio | 14.8044% | 3,541 |
| Total risk-based capital ratio | 15.9247% | 3,587 |
| Memoranda: | ||
| Average total assets | $328,853,000 | 1,990 |
| Average earning assets | $303,701,500 | 1,966 |
| Average equity | $36,260,500 | 1,823 |
| Average total loans | $170,087,500 | 2,434 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7155% | 5,754 |
| Cost of funding earning assets | 1.0004% | 5,687 |
| Net interest margin | 3.7152% | 4,286 |
| Noninterest income to average assets | 0.7069% | 2,804 |
| Noninterest expense to average assets | 2.5925% | 5,454 |
| Loan and lease loss provision to assets | 0.3333% | 4,155 |
| Net operating income to assets | 1.2035% | 1,405 |
| Return on assets (ROA) | 1.2689% | 1,314 |
| Pretax return on assets | 1.2689% | 2,020 |
| Return on Equity (ROE) | 11.4090% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.6637% | 2,007 |
| Net charge-offs to loans | 0.2148% | 5,002 |
| Credit loss provision to net charge-offs | 316.0237% | 827 |
| Earnings coverage of net charge-offs (x) | 14.5727% | 1,331 |
| Efficiency ratio | 60.8897% | 5,913 |
| Assets per employee ($millions) | 4.0678% | 3,644 |
| Cash dividends to net income (ytd only)* | 50.3576% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,837 |
| Loan loss allowance to noncurrent loans | 219.7256% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 6,264 |
| Noncurrent loans to loans | 0.6990% | 5,653 |
| Net loans and leases to total assets | 50.4714% | 6,123 |
| Net loans and leases to deposits | 56.8491% | 6,368 |
| Net loans and leases to core deposits | 61.2412% | 6,296 |
| Total domestic deposits to total assets | 88.7813% | 1,776 |
| Equity capital to assets | 10.8650% | 2,804 |
| Core capital (leverage) ratio | 9.9041% | 3,200 |
| Tier 1 risk-based capital ratio | 14.5380% | 3,518 |
| Total risk-based capital ratio | 15.6994% | 3,536 |
| Memoranda: | ||
| Average total assets | $319,572,000 | 2,041 |
| Average earning assets | $294,388,600 | 2,018 |
| Average equity | $35,542,000 | 1,861 |
| Average total loans | $156,888,800 | 2,656 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 5,806 |
| Cost of funding earning assets | 1.0644% | 5,621 |
| Net interest margin | 3.7007% | 4,396 |
| Noninterest income to average assets | 0.6270% | 3,271 |
| Noninterest expense to average assets | 2.5433% | 5,552 |
| Loan and lease loss provision to assets | 0.3835% | 3,586 |
| Net operating income to assets | 1.0998% | 1,885 |
| Return on assets (ROA) | 1.1874% | 1,723 |
| Pretax return on assets | 1.1874% | 2,539 |
| Return on Equity (ROE) | 10.6137% | 1,894 |
| Retained earnings to average equity (ytd only) | 7.8001% | 1,483 |
| Net charge-offs to loans | 0.1753% | 4,914 |
| Credit loss provision to net charge-offs | 450.7389% | 667 |
| Earnings coverage of net charge-offs (x) | 17.4335% | 1,325 |
| Efficiency ratio | 61.2158% | 5,751 |
| Assets per employee ($millions) | 3.8848% | 4,069 |
| Cash dividends to net income (ytd only)* | 26.5090% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,621 |
| Loan loss allowance to noncurrent loans | 213.4116% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4659% | 6,263 |
| Noncurrent loans to loans | 0.7397% | 5,723 |
| Net loans and leases to total assets | 50.4484% | 6,280 |
| Net loans and leases to deposits | 57.5985% | 6,496 |
| Net loans and leases to core deposits | 61.9867% | 6,468 |
| Total domestic deposits to total assets | 87.5864% | 2,217 |
| Equity capital to assets | 11.8667% | 2,243 |
| Core capital (leverage) ratio | 10.1577% | 3,088 |
| Tier 1 risk-based capital ratio | 14.7275% | 3,376 |
| Total risk-based capital ratio | 15.8964% | 3,404 |
| Memoranda: | ||
| Average total assets | $318,110,000 | 2,075 |
| Average earning assets | $292,227,750 | 2,058 |
| Average equity | $35,588,250 | 1,880 |
| Average total loans | $154,409,500 | 2,738 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 6,365 |
| Cost of funding earning assets | 1.0964% | 5,690 |
| Net interest margin | 3.5366% | 5,102 |
| Noninterest income to average assets | 0.5907% | 3,406 |
| Noninterest expense to average assets | 2.4407% | 5,940 |
| Loan and lease loss provision to assets | 0.3759% | 3,460 |
| Net operating income to assets | 1.0318% | 2,079 |
| Return on assets (ROA) | 1.1627% | 1,725 |
| Pretax return on assets | 1.1627% | 2,546 |
| Return on Equity (ROE) | 10.6045% | 1,891 |
| Retained earnings to average equity (ytd only) | 7.9705% | 1,448 |
| Net charge-offs to loans | 0.2603% | 4,047 |
| Credit loss provision to net charge-offs | 303.0303% | 1,206 |
| Earnings coverage of net charge-offs (x) | 11.3485% | 1,771 |
| Efficiency ratio | 61.3869% | 5,795 |
| Assets per employee ($millions) | 3.7625% | 4,313 |
| Cash dividends to net income (ytd only)* | 24.8384% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4784% | 4,023 |
| Loan loss allowance to noncurrent loans | 247.0718% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 6,309 |
| Noncurrent loans to loans | 0.5984% | 6,043 |
| Net loans and leases to total assets | 47.7164% | 6,640 |
| Net loans and leases to deposits | 54.1811% | 6,850 |
| Net loans and leases to core deposits | 58.7087% | 6,789 |
| Total domestic deposits to total assets | 88.0683% | 1,964 |
| Equity capital to assets | 11.5227% | 2,425 |
| Core capital (leverage) ratio | 9.9253% | 3,252 |
| Tier 1 risk-based capital ratio | 14.9243% | 3,193 |
| Total risk-based capital ratio | 15.9895% | 3,281 |
| Memoranda: | ||
| Average total assets | $319,256,670 | 2,076 |
| Average earning assets | $294,064,670 | 2,062 |
| Average equity | $35,004,000 | 1,909 |
| Average total loans | $152,115,330 | 2,798 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 6,780 |
| Cost of funding earning assets | 1.1435% | 5,683 |
| Net interest margin | 3.3622% | 5,747 |
| Noninterest income to average assets | 0.6594% | 2,885 |
| Noninterest expense to average assets | 2.4453% | 5,930 |
| Loan and lease loss provision to assets | 0.3718% | 3,139 |
| Net operating income to assets | 0.9469% | 2,371 |
| Return on assets (ROA) | 0.9469% | 2,437 |
| Pretax return on assets | 0.9469% | 3,278 |
| Return on Equity (ROE) | 8.8544% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.8544% | 1,440 |
| Net charge-offs to loans | 0.1862% | 3,805 |
| Credit loss provision to net charge-offs | 422.5352% | 980 |
| Earnings coverage of net charge-offs (x) | 14.9859% | 1,400 |
| Efficiency ratio | 62.9239% | 5,674 |
| Assets per employee ($millions) | 3.7459% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 4,538 |
| Loan loss allowance to noncurrent loans | 376.6423% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 6,624 |
| Noncurrent loans to loans | 0.3654% | 6,567 |
| Net loans and leases to total assets | 46.4566% | 6,799 |
| Net loans and leases to deposits | 52.3784% | 7,016 |
| Net loans and leases to core deposits | 56.4530% | 6,966 |
| Total domestic deposits to total assets | 88.6943% | 1,678 |
| Equity capital to assets | 10.9859% | 2,776 |
| Core capital (leverage) ratio | 9.5463% | 3,702 |
| Tier 1 risk-based capital ratio | 14.8044% | 3,207 |
| Total risk-based capital ratio | 15.8018% | 3,315 |
| Memoranda: | ||
| Average total assets | $322,741,500 | 2,103 |
| Average earning assets | $298,023,500 | 2,089 |
| Average equity | $34,514,000 | 1,955 |
| Average total loans | $152,549,000 | 2,852 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 5,136 |
| Cost of funding earning assets | 1.3670% | 6,066 |
| Net interest margin | 3.9415% | 3,114 |
| Noninterest income to average assets | 0.5495% | 4,028 |
| Noninterest expense to average assets | 2.6995% | 5,399 |
| Loan and lease loss provision to assets | 0.2614% | 5,315 |
| Net operating income to assets | 1.2226% | 1,191 |
| Return on assets (ROA) | 1.2887% | 1,104 |
| Pretax return on assets | 1.2887% | 1,725 |
| Return on Equity (ROE) | 11.3265% | 1,346 |
| Retained earnings to average equity (ytd only) | 4.6344% | 2,012 |
| Net charge-offs to loans | 0.2978% | 4,768 |
| Credit loss provision to net charge-offs | 173.7668% | 2,431 |
| Earnings coverage of net charge-offs (x) | 9.8632% | 1,746 |
| Efficiency ratio | 62.5111% | 6,054 |
| Assets per employee ($millions) | 3.8939% | 4,035 |
| Cash dividends to net income (ytd only)* | 59.0838% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,460 |
| Loan loss allowance to noncurrent loans | 217.8147% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 6,411 |
| Noncurrent loans to loans | 0.5428% | 6,158 |
| Net loans and leases to total assets | 46.8634% | 6,906 |
| Net loans and leases to deposits | 52.4647% | 7,132 |
| Net loans and leases to core deposits | 65.7652% | 6,996 |
| Total domestic deposits to total assets | 89.3236% | 1,314 |
| Equity capital to assets | 10.4098% | 3,273 |
| Core capital (leverage) ratio | 9.8933% | 3,210 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,283 |
| Total risk-based capital ratio | 15.2464% | 3,457 |
| Memoranda: | ||
| Average total assets | $296,427,800 | 2,236 |
| Average earning assets | $273,297,200 | 2,216 |
| Average equity | $33,726,200 | 1,987 |
| Average total loans | $149,741,200 | 2,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4702% | 4,577 |
| Cost of funding earning assets | 1.4363% | 6,100 |
| Net interest margin | 4.0338% | 2,663 |
| Noninterest income to average assets | 0.6293% | 3,504 |
| Noninterest expense to average assets | 2.7399% | 5,147 |
| Loan and lease loss provision to assets | 0.2193% | 5,225 |
| Net operating income to assets | 1.3930% | 1,049 |
| Return on assets (ROA) | 1.3930% | 1,113 |
| Pretax return on assets | 1.3930% | 1,716 |
| Return on Equity (ROE) | 11.9557% | 1,365 |
| Retained earnings to average equity (ytd only) | 7.3074% | 1,394 |
| Net charge-offs to loans | 0.4429% | 3,466 |
| Credit loss provision to net charge-offs | 96.3489% | 5,291 |
| Earnings coverage of net charge-offs (x) | 7.0831% | 2,477 |
| Efficiency ratio | 60.9697% | 6,285 |
| Assets per employee ($millions) | 3.4639% | 5,018 |
| Cash dividends to net income (ytd only)* | 38.8796% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,490 |
| Loan loss allowance to noncurrent loans | 199.0629% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 5,976 |
| Noncurrent loans to loans | 0.4820% | 6,354 |
| Net loans and leases to total assets | 52.7511% | 6,528 |
| Net loans and leases to deposits | 60.2853% | 6,813 |
| Net loans and leases to core deposits | 80.4754% | 6,311 |
| Total domestic deposits to total assets | 87.5025% | 1,886 |
| Equity capital to assets | 12.0177% | 2,231 |
| Core capital (leverage) ratio | 10.3686% | 2,908 |
| Tier 1 risk-based capital ratio | 15.2147% | 2,942 |
| Total risk-based capital ratio | 15.9682% | 3,121 |
| Memoranda: | ||
| Average total assets | $288,763,500 | 2,305 |
| Average earning assets | $266,506,250 | 2,282 |
| Average equity | $33,645,500 | 2,016 |
| Average total loans | $148,397,250 | 2,975 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5271% | 4,462 |
| Cost of funding earning assets | 1.5029% | 6,129 |
| Net interest margin | 4.0241% | 2,602 |
| Noninterest income to average assets | 0.5090% | 4,367 |
| Noninterest expense to average assets | 2.6872% | 5,431 |
| Loan and lease loss provision to assets | 0.1562% | 5,507 |
| Net operating income to assets | 1.3783% | 1,073 |
| Return on assets (ROA) | 1.5144% | 863 |
| Pretax return on assets | 1.5144% | 1,401 |
| Return on Equity (ROE) | 13.1367% | 1,150 |
| Retained earnings to average equity (ytd only) | 8.1916% | 1,155 |
| Net charge-offs to loans | 0.1204% | 4,958 |
| Credit loss provision to net charge-offs | 255.6818% | 1,820 |
| Earnings coverage of net charge-offs (x) | 25.1136% | 1,129 |
| Efficiency ratio | 61.5954% | 6,301 |
| Assets per employee ($millions) | 3.4907% | 4,839 |
| Cash dividends to net income (ytd only)* | 37.6433% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,880 |
| Loan loss allowance to noncurrent loans | 224.7606% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5418% | 6,074 |
| Noncurrent loans to loans | 0.4691% | 6,355 |
| Net loans and leases to total assets | 55.2086% | 6,316 |
| Net loans and leases to deposits | 62.8615% | 6,663 |
| Net loans and leases to core deposits | 82.6610% | 6,188 |
| Total domestic deposits to total assets | 87.8257% | 1,851 |
| Equity capital to assets | 11.9992% | 2,204 |
| Core capital (leverage) ratio | 10.3550% | 2,945 |
| Tier 1 risk-based capital ratio | 14.6172% | 3,181 |
| Total risk-based capital ratio | 15.4319% | 3,350 |
| Memoranda: | ||
| Average total assets | $288,028,000 | 2,337 |
| Average earning assets | $265,746,000 | 2,304 |
| Average equity | $33,204,670 | 2,047 |
| Average total loans | $146,204,000 | 3,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5046% | 4,887 |
| Cost of funding earning assets | 1.5831% | 6,099 |
| Net interest margin | 3.9215% | 2,970 |
| Noninterest income to average assets | 0.4692% | 4,596 |
| Noninterest expense to average assets | 2.5471% | 5,659 |
| Loan and lease loss provision to assets | 0.1368% | 5,211 |
| Net operating income to assets | 1.4144% | 1,112 |
| Return on assets (ROA) | 1.6825% | 739 |
| Pretax return on assets | 1.6825% | 1,212 |
| Return on Equity (ROE) | 14.8852% | 997 |
| Retained earnings to average equity (ytd only) | 14.8852% | 430 |
| Net charge-offs to loans | 0.1867% | 3,517 |
| Credit loss provision to net charge-offs | 151.5152% | 2,754 |
| Earnings coverage of net charge-offs (x) | 17.1818% | 1,520 |
| Efficiency ratio | 60.0801% | 6,395 |
| Assets per employee ($millions) | 3.8525% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0772% | 5,631 |
| Loan loss allowance to noncurrent loans | 191.8953% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 5,745 |
| Noncurrent loans to loans | 0.5614% | 6,009 |
| Net loans and leases to total assets | 48.2697% | 7,005 |
| Net loans and leases to deposits | 54.6504% | 7,243 |
| Net loans and leases to core deposits | 70.9927% | 6,960 |
| Total domestic deposits to total assets | 88.3247% | 1,562 |
| Equity capital to assets | 11.4513% | 2,622 |
| Core capital (leverage) ratio | 10.0096% | 3,401 |
| Tier 1 risk-based capital ratio | 15.6740% | 2,793 |
| Total risk-based capital ratio | 16.4976% | 2,902 |
| Memoranda: | ||
| Average total assets | $292,416,000 | 2,318 |
| Average earning assets | $270,608,000 | 2,288 |
| Average equity | $33,053,000 | 2,050 |
| Average total loans | $141,399,000 | 3,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3549% | 3,667 |
| Cost of funding earning assets | 2.2289% | 5,463 |
| Net interest margin | 4.1259% | 2,597 |
| Noninterest income to average assets | 0.9093% | 1,922 |
| Noninterest expense to average assets | 2.8556% | 4,580 |
| Loan and lease loss provision to assets | 0.2025% | 4,867 |
| Net operating income to assets | 1.6248% | 799 |
| Return on assets (ROA) | 1.6294% | 751 |
| Pretax return on assets | 1.6294% | 1,314 |
| Return on Equity (ROE) | 13.9591% | 1,117 |
| Retained earnings to average equity (ytd only) | 5.8930% | 1,575 |
| Net charge-offs to loans | 0.1867% | 4,331 |
| Credit loss provision to net charge-offs | 206.5637% | 2,346 |
| Earnings coverage of net charge-offs (x) | 18.6371% | 1,691 |
| Efficiency ratio | 60.9782% | 6,167 |
| Assets per employee ($millions) | 3.8939% | 3,751 |
| Cash dividends to net income (ytd only)* | 57.7835% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 5,452 |
| Loan loss allowance to noncurrent loans | 131.7863% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 0.6588% | 5,243 |
| Noncurrent loans to loans | 0.8161% | 5,006 |
| Net loans and leases to total assets | 47.3990% | 7,231 |
| Net loans and leases to deposits | 53.5408% | 7,465 |
| Net loans and leases to core deposits | 66.9242% | 7,332 |
| Total domestic deposits to total assets | 88.5288% | 1,234 |
| Equity capital to assets | 11.1552% | 2,914 |
| Core capital (leverage) ratio | 9.5942% | 3,887 |
| Tier 1 risk-based capital ratio | 15.3168% | 2,914 |
| Total risk-based capital ratio | 16.1402% | 3,019 |
| Memoranda: | ||
| Average total assets | $264,150,800 | 2,425 |
| Average earning assets | $241,594,400 | 2,441 |
| Average equity | $30,833,000 | 2,188 |
| Average total loans | $138,694,400 | 3,118 |