Home > The Farmers Bank and Savings Company > Performance and Condition Ratios
The Farmers Bank and Savings Company, 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 | 4.5583% | 2,996 |
| Cost of funding earning assets | 1.4190% | 2,178 |
| Net interest margin | 3.1393% | 3,004 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.7978% | 1,505 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.5509% | 3,563 |
| Return on assets (ROA) | 0.5509% | 3,551 |
| Pretax return on assets | 0.6758% | 3,488 |
| Return on Equity (ROE) | 6.9800% | 3,291 |
| Retained earnings to average equity (ytd only) | 0.3102% | 3,983 |
| Net charge-offs to loans | 0.0919% | 966 |
| Credit loss provision to net charge-offs | 121.4575% | 1,664 |
| Earnings coverage of net charge-offs (x) | 12.3887% | 2,150 |
| Efficiency ratio | 77.2332% | 1,138 |
| Assets per employee ($millions) | 4.8880% | 3,712 |
| Cash dividends to net income (ytd only)* | 95.5556% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,262 |
| Loan loss allowance to noncurrent loans | 66.9374% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 463 |
| Noncurrent loans to loans | 1.5064% | 456 |
| Net loans and leases to total assets | 64.6800% | 2,404 |
| Net loans and leases to deposits | 70.8876% | 2,824 |
| Net loans and leases to core deposits | 76.8132% | 2,924 |
| Total domestic deposits to total assets | 91.2500% | 439 |
| Equity capital to assets | 8.4633% | 3,083 |
| Core capital (leverage) ratio | 9.2504% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $408,387,600 | 1,987 |
| Average earning assets | $374,477,800 | 1,994 |
| Average equity | $32,236,400 | 2,174 |
| Average total loans | $268,722,400 | 1,920 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3727% | 3,156 |
| Cost of funding earning assets | 1.2587% | 2,260 |
| Net interest margin | 3.1140% | 3,115 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.7865% | 1,465 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5938% | 3,560 |
| Return on assets (ROA) | 0.5938% | 3,544 |
| Pretax return on assets | 0.7201% | 3,507 |
| Return on Equity (ROE) | 7.6700% | 3,271 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0490% | 1,188 |
| Credit loss provision to net charge-offs | 76.5306% | 1,772 |
| Earnings coverage of net charge-offs (x) | 23.0408% | 1,744 |
| Efficiency ratio | 78.0290% | 1,010 |
| Assets per employee ($millions) | 4.7136% | 3,800 |
| Cash dividends to net income (ytd only)* | 100.0000% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9820% | 3,456 |
| Loan loss allowance to noncurrent loans | 57.0412% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1848% | 384 |
| Noncurrent loans to loans | 1.7216% | 388 |
| Net loans and leases to total assets | 64.7900% | 2,359 |
| Net loans and leases to deposits | 72.2906% | 2,693 |
| Net loans and leases to core deposits | 77.7518% | 2,756 |
| Total domestic deposits to total assets | 89.6300% | 1,035 |
| Equity capital to assets | 7.8228% | 3,169 |
| Core capital (leverage) ratio | 9.2146% | 3,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $404,170,000 | 2,001 |
| Average earning assets | $371,694,000 | 2,002 |
| Average equity | $31,297,750 | 2,197 |
| Average total loans | $266,433,000 | 1,931 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 3,247 |
| Cost of funding earning assets | 1.1178% | 2,220 |
| Net interest margin | 3.1062% | 3,212 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.8554% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5500% | 3,697 |
| Return on assets (ROA) | 0.5500% | 3,704 |
| Pretax return on assets | 0.6742% | 3,655 |
| Return on Equity (ROE) | 7.1300% | 3,453 |
| Retained earnings to average equity (ytd only) | 3.5411% | 3,338 |
| Net charge-offs to loans | 0.0662% | 892 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 15.4023% | 1,855 |
| Efficiency ratio | 80.8981% | 786 |
| Assets per employee ($millions) | 4.8864% | 3,688 |
| Cash dividends to net income (ytd only)* | 50.3202% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0178% | 3,352 |
| Loan loss allowance to noncurrent loans | 98.9223% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 0.7668% | 664 |
| Noncurrent loans to loans | 1.0289% | 731 |
| Net loans and leases to total assets | 65.4100% | 2,219 |
| Net loans and leases to deposits | 73.9505% | 2,500 |
| Net loans and leases to core deposits | 79.4325% | 2,515 |
| Total domestic deposits to total assets | 88.4500% | 1,447 |
| Equity capital to assets | 7.7446% | 3,372 |
| Core capital (leverage) ratio | 10.1908% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $397,486,000 | 2,018 |
| Average earning assets | $367,141,000 | 2,024 |
| Average equity | $30,668,333 | 2,236 |
| Average total loans | $262,715,000 | 1,943 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 3,172 |
| Cost of funding earning assets | 0.9680% | 2,161 |
| Net interest margin | 3.1668% | 3,194 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.9664% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4911% | 3,922 |
| Return on assets (ROA) | 0.4911% | 3,884 |
| Pretax return on assets | 0.5995% | 3,840 |
| Return on Equity (ROE) | 6.3800% | 3,645 |
| Retained earnings to average equity (ytd only) | 3.4424% | 3,400 |
| Net charge-offs to loans | 0.0987% | 602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.1846% | 1,694 |
| Efficiency ratio | 83.1878% | 635 |
| Assets per employee ($millions) | 4.8550% | 3,760 |
| Cash dividends to net income (ytd only)* | 46.0123% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,465 |
| Loan loss allowance to noncurrent loans | 81.9042% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 520 |
| Noncurrent loans to loans | 1.2363% | 556 |
| Net loans and leases to total assets | 65.1100% | 2,141 |
| Net loans and leases to deposits | 74.6700% | 2,241 |
| Net loans and leases to core deposits | 79.8880% | 2,263 |
| Total domestic deposits to total assets | 87.2000% | 2,187 |
| Equity capital to assets | 7.8210% | 3,370 |
| Core capital (leverage) ratio | 10.0992% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $398,330,000 | 2,048 |
| Average earning assets | $368,192,500 | 2,045 |
| Average equity | $30,676,000 | 2,263 |
| Average total loans | $263,303,000 | 1,960 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 1,689 |
| Cost of funding earning assets | 0.4200% | 1,941 |
| Net interest margin | 3.5900% | 1,673 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.9825% | 992 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.7655% | 3,435 |
| Return on assets (ROA) | 0.7430% | 3,437 |
| Pretax return on assets | 0.9144% | 3,315 |
| Return on Equity (ROE) | 9.1200% | 3,096 |
| Retained earnings to average equity (ytd only) | 5.1541% | 2,981 |
| Net charge-offs to loans | 0.0458% | 1,228 |
| Credit loss provision to net charge-offs | 180.0000% | 1,185 |
| Earnings coverage of net charge-offs (x) | 34.1565% | 1,611 |
| Efficiency ratio | 74.9904% | 1,117 |
| Assets per employee ($millions) | 4.8012% | 3,813 |
| Cash dividends to net income (ytd only)* | 43.4560% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 3,115 |
| Loan loss allowance to noncurrent loans | 103.7750% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7529% | 625 |
| Noncurrent loans to loans | 1.0129% | 717 |
| Net loans and leases to total assets | 65.7300% | 2,066 |
| Net loans and leases to deposits | 74.4046% | 2,224 |
| Net loans and leases to core deposits | 77.9410% | 2,280 |
| Total domestic deposits to total assets | 88.3400% | 1,951 |
| Equity capital to assets | 7.5784% | 3,340 |
| Core capital (leverage) ratio | 10.0994% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $394,904,400 | 2,042 |
| Average earning assets | $365,962,600 | 2,047 |
| Average equity | $32,187,800 | 2,237 |
| Average total loans | $251,283,400 | 1,936 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 1,384 |
| Cost of funding earning assets | 0.3604% | 1,617 |
| Net interest margin | 3.5796% | 1,441 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.9213% | 1,017 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8279% | 3,144 |
| Return on assets (ROA) | 0.8279% | 3,110 |
| Pretax return on assets | 1.0212% | 2,963 |
| Return on Equity (ROE) | 9.9800% | 2,728 |
| Retained earnings to average equity (ytd only) | 5.6097% | 2,887 |
| Net charge-offs to loans | 0.0499% | 986 |
| Credit loss provision to net charge-offs | 107.5269% | 1,283 |
| Earnings coverage of net charge-offs (x) | 33.6237% | 1,464 |
| Efficiency ratio | 73.4685% | 1,334 |
| Assets per employee ($millions) | 4.8233% | 3,824 |
| Cash dividends to net income (ytd only)* | 43.8060% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,253 |
| Loan loss allowance to noncurrent loans | 161.9453% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5272% | 1,027 |
| Noncurrent loans to loans | 0.6487% | 1,257 |
| Net loans and leases to total assets | 63.4400% | 2,147 |
| Net loans and leases to deposits | 70.7405% | 2,306 |
| Net loans and leases to core deposits | 74.0650% | 2,341 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 7.4613% | 3,240 |
| Core capital (leverage) ratio | 9.9726% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $395,206,500 | 2,063 |
| Average earning assets | $366,215,500 | 2,062 |
| Average equity | $32,775,750 | 2,241 |
| Average total loans | $248,720,750 | 1,947 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 1,269 |
| Cost of funding earning assets | 0.3361% | 1,389 |
| Net interest margin | 3.4860% | 1,353 |
| Noninterest income to average assets | 0.6464% | 1,560 |
| Noninterest expense to average assets | 2.8721% | 1,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8210% | 2,884 |
| Return on assets (ROA) | 0.8210% | 2,855 |
| Pretax return on assets | 1.0134% | 2,677 |
| Return on Equity (ROE) | 9.5794% | 2,495 |
| Retained earnings to average equity (ytd only) | 5.5929% | 2,478 |
| Net charge-offs to loans | 0.0550% | 836 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 29.4412% | 1,398 |
| Efficiency ratio | 73.9187% | 1,519 |
| Assets per employee ($millions) | 4.5721% | 4,022 |
| Cash dividends to net income (ytd only)* | 41.6153% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,388 |
| Loan loss allowance to noncurrent loans | 102.3320% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.7594% | 691 |
| Noncurrent loans to loans | 1.0244% | 816 |
| Net loans and leases to total assets | 62.1515% | 2,113 |
| Net loans and leases to deposits | 67.6730% | 2,414 |
| Net loans and leases to core deposits | 70.7878% | 2,425 |
| Total domestic deposits to total assets | 91.8409% | 911 |
| Equity capital to assets | 7.8122% | 3,254 |
| Core capital (leverage) ratio | 9.7188% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,105,333 | 2,074 |
| Average earning assets | $367,128,333 | 2,077 |
| Average equity | $33,864,333 | 2,233 |
| Average total loans | $247,101,000 | 1,955 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 1,197 |
| Cost of funding earning assets | 0.3440% | 1,257 |
| Net interest margin | 3.3951% | 1,308 |
| Noninterest income to average assets | 0.6231% | 1,591 |
| Noninterest expense to average assets | 2.8844% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7312% | 2,928 |
| Return on assets (ROA) | 0.7312% | 2,919 |
| Pretax return on assets | 0.8989% | 2,779 |
| Return on Equity (ROE) | 8.1721% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.0681% | 2,571 |
| Net charge-offs to loans | 0.0097% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 148.3333% | 536 |
| Efficiency ratio | 76.2413% | 1,495 |
| Assets per employee ($millions) | 4.7746% | 3,943 |
| Cash dividends to net income (ytd only)* | 37.9834% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,439 |
| Loan loss allowance to noncurrent loans | 104.9485% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 753 |
| Noncurrent loans to loans | 1.0237% | 884 |
| Net loans and leases to total assets | 61.5959% | 1,907 |
| Net loans and leases to deposits | 67.4128% | 2,205 |
| Net loans and leases to core deposits | 70.6364% | 2,237 |
| Total domestic deposits to total assets | 91.3713% | 861 |
| Equity capital to assets | 8.4102% | 3,232 |
| Core capital (leverage) ratio | 9.6853% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $396,056,000 | 2,070 |
| Average earning assets | $368,651,500 | 2,079 |
| Average equity | $35,437,500 | 2,241 |
| Average total loans | $247,166,000 | 1,955 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 1,030 |
| Cost of funding earning assets | 0.5079% | 899 |
| Net interest margin | 3.6703% | 1,285 |
| Noninterest income to average assets | 0.6668% | 1,879 |
| Noninterest expense to average assets | 2.9253% | 1,106 |
| Loan and lease loss provision to assets | -0.0529% | 4,364 |
| Net operating income to assets | 0.9788% | 2,756 |
| Return on assets (ROA) | 0.9788% | 2,828 |
| Pretax return on assets | 1.2087% | 2,633 |
| Return on Equity (ROE) | 10.1282% | 2,478 |
| Retained earnings to average equity (ytd only) | 5.3885% | 2,623 |
| Net charge-offs to loans | 0.0272% | 1,697 |
| Credit loss provision to net charge-offs | -301.4706% | 3,614 |
| Earnings coverage of net charge-offs (x) | 65.8676% | 1,120 |
| Efficiency ratio | 71.6788% | 1,544 |
| Assets per employee ($millions) | 4.5496% | 4,078 |
| Cash dividends to net income (ytd only)* | 46.7967% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,466 |
| Loan loss allowance to noncurrent loans | 139.9895% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 1,120 |
| Noncurrent loans to loans | 0.7666% | 1,322 |
| Net loans and leases to total assets | 61.8777% | 1,957 |
| Net loans and leases to deposits | 68.5011% | 2,260 |
| Net loans and leases to core deposits | 71.6415% | 2,293 |
| Total domestic deposits to total assets | 90.3309% | 792 |
| Equity capital to assets | 9.4857% | 3,161 |
| Core capital (leverage) ratio | 9.6739% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $387,516,400 | 2,031 |
| Average earning assets | $360,489,200 | 2,039 |
| Average equity | $37,450,000 | 2,181 |
| Average total loans | $250,256,400 | 1,923 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 1,130 |
| Cost of funding earning assets | 0.5490% | 837 |
| Net interest margin | 3.6372% | 1,500 |
| Noninterest income to average assets | 0.6541% | 1,991 |
| Noninterest expense to average assets | 2.7981% | 1,343 |
| Loan and lease loss provision to assets | -0.0708% | 4,523 |
| Net operating income to assets | 1.0585% | 2,694 |
| Return on assets (ROA) | 1.0585% | 2,764 |
| Pretax return on assets | 1.3093% | 2,603 |
| Return on Equity (ROE) | 10.9012% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.0028% | 2,817 |
| Net charge-offs to loans | 0.0356% | 1,365 |
| Credit loss provision to net charge-offs | -305.9701% | 3,497 |
| Earnings coverage of net charge-offs (x) | 53.4328% | 1,203 |
| Efficiency ratio | 69.3204% | 1,672 |
| Assets per employee ($millions) | 4.6552% | 4,001 |
| Cash dividends to net income (ytd only)* | 44.9346% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,557 |
| Loan loss allowance to noncurrent loans | 122.3194% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 1,222 |
| Noncurrent loans to loans | 0.8789% | 1,305 |
| Net loans and leases to total assets | 62.5466% | 1,936 |
| Net loans and leases to deposits | 69.4446% | 2,291 |
| Net loans and leases to core deposits | 72.5997% | 2,364 |
| Total domestic deposits to total assets | 90.0669% | 746 |
| Equity capital to assets | 9.7377% | 3,164 |
| Core capital (leverage) ratio | 9.5787% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,441,000 | 2,066 |
| Average earning assets | $358,433,250 | 2,063 |
| Average equity | $37,426,000 | 2,205 |
| Average total loans | $250,925,500 | 1,952 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0694% | 1,406 |
| Cost of funding earning assets | 0.5967% | 758 |
| Net interest margin | 3.4727% | 1,940 |
| Noninterest income to average assets | 0.6580% | 1,974 |
| Noninterest expense to average assets | 2.8041% | 1,346 |
| Loan and lease loss provision to assets | -0.1069% | 4,636 |
| Net operating income to assets | 0.9594% | 3,034 |
| Return on assets (ROA) | 0.9594% | 3,117 |
| Pretax return on assets | 1.1836% | 2,957 |
| Return on Equity (ROE) | 9.8902% | 2,784 |
| Retained earnings to average equity (ytd only) | 6.1276% | 2,752 |
| Net charge-offs to loans | 0.0198% | 1,540 |
| Credit loss provision to net charge-offs | -820.0000% | 3,595 |
| Earnings coverage of net charge-offs (x) | 82.6000% | 826 |
| Efficiency ratio | 72.2558% | 1,409 |
| Assets per employee ($millions) | 4.4857% | 4,112 |
| Cash dividends to net income (ytd only)* | 38.0435% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 3,490 |
| Loan loss allowance to noncurrent loans | 164.1337% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.5027% | 1,657 |
| Noncurrent loans to loans | 0.6597% | 1,768 |
| Net loans and leases to total assets | 63.2037% | 2,042 |
| Net loans and leases to deposits | 70.1331% | 2,396 |
| Net loans and leases to core deposits | 73.0161% | 2,519 |
| Total domestic deposits to total assets | 90.1196% | 713 |
| Equity capital to assets | 9.6318% | 3,215 |
| Core capital (leverage) ratio | 9.4611% | 2,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $383,576,333 | 2,066 |
| Average earning assets | $355,978,000 | 2,065 |
| Average equity | $37,208,667 | 2,207 |
| Average total loans | $252,155,000 | 1,952 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 1,289 |
| Cost of funding earning assets | 0.6488% | 701 |
| Net interest margin | 3.5012% | 1,821 |
| Noninterest income to average assets | 0.6301% | 2,089 |
| Noninterest expense to average assets | 2.8025% | 1,363 |
| Loan and lease loss provision to assets | 0.0473% | 2,130 |
| Net operating income to assets | 0.8269% | 3,332 |
| Return on assets (ROA) | 0.8269% | 3,413 |
| Pretax return on assets | 1.0162% | 3,328 |
| Return on Equity (ROE) | 8.4931% | 3,188 |
| Retained earnings to average equity (ytd only) | 4.9813% | 3,225 |
| Net charge-offs to loans | 0.0316% | 1,170 |
| Credit loss provision to net charge-offs | 225.0000% | 852 |
| Earnings coverage of net charge-offs (x) | 50.5500% | 895 |
| Efficiency ratio | 72.4898% | 1,449 |
| Assets per employee ($millions) | 5.0528% | 3,596 |
| Cash dividends to net income (ytd only)* | 41.3486% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 3,115 |
| Loan loss allowance to noncurrent loans | 172.5044% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 1,863 |
| Noncurrent loans to loans | 0.6760% | 1,897 |
| Net loans and leases to total assets | 64.3751% | 1,996 |
| Net loans and leases to deposits | 71.1757% | 2,402 |
| Net loans and leases to core deposits | 74.5275% | 2,463 |
| Total domestic deposits to total assets | 90.4453% | 606 |
| Equity capital to assets | 9.4187% | 3,276 |
| Core capital (leverage) ratio | 9.5854% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $380,235,000 | 2,061 |
| Average earning assets | $351,421,500 | 2,071 |
| Average equity | $37,018,500 | 2,205 |
| Average total loans | $253,553,500 | 1,945 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,089 |
| Cost of funding earning assets | 0.8842% | 900 |
| Net interest margin | 3.7204% | 1,731 |
| Noninterest income to average assets | 0.6687% | 1,956 |
| Noninterest expense to average assets | 2.8822% | 1,734 |
| Loan and lease loss provision to assets | 0.1883% | 2,071 |
| Net operating income to assets | 0.8238% | 2,998 |
| Return on assets (ROA) | 0.8238% | 3,123 |
| Pretax return on assets | 1.0198% | 2,979 |
| Return on Equity (ROE) | 8.0293% | 2,808 |
| Retained earnings to average equity (ytd only) | 3.3449% | 3,153 |
| Net charge-offs to loans | 0.1268% | 1,243 |
| Credit loss provision to net charge-offs | 206.7901% | 2,129 |
| Earnings coverage of net charge-offs (x) | 13.2654% | 2,290 |
| Efficiency ratio | 70.4645% | 1,884 |
| Assets per employee ($millions) | 4.5852% | 3,827 |
| Cash dividends to net income (ytd only)* | 58.3419% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 3,186 |
| Loan loss allowance to noncurrent loans | 194.4260% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4750% | 2,133 |
| Noncurrent loans to loans | 0.5940% | 2,211 |
| Net loans and leases to total assets | 67.5169% | 1,886 |
| Net loans and leases to deposits | 75.5070% | 2,332 |
| Net loans and leases to core deposits | 79.1329% | 2,441 |
| Total domestic deposits to total assets | 89.4180% | 803 |
| Equity capital to assets | 10.0677% | 3,067 |
| Core capital (leverage) ratio | 9.6828% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $355,772,200 | 2,022 |
| Average earning assets | $327,198,800 | 2,040 |
| Average equity | $36,503,600 | 2,154 |
| Average total loans | $255,480,600 | 1,900 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6760% | 1,117 |
| Cost of funding earning assets | 0.9243% | 983 |
| Net interest margin | 3.7517% | 1,757 |
| Noninterest income to average assets | 0.6692% | 1,910 |
| Noninterest expense to average assets | 2.9314% | 1,609 |
| Loan and lease loss provision to assets | 0.1856% | 2,134 |
| Net operating income to assets | 0.8109% | 3,051 |
| Return on assets (ROA) | 0.8109% | 3,173 |
| Pretax return on assets | 1.0034% | 3,062 |
| Return on Equity (ROE) | 7.8642% | 2,856 |
| Retained earnings to average equity (ytd only) | 2.5908% | 3,689 |
| Net charge-offs to loans | 0.1141% | 1,210 |
| Credit loss provision to net charge-offs | 223.7443% | 2,025 |
| Earnings coverage of net charge-offs (x) | 14.3288% | 2,161 |
| Efficiency ratio | 71.1422% | 1,735 |
| Assets per employee ($millions) | 4.5326% | 3,806 |
| Cash dividends to net income (ytd only)* | 67.0561% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,141 |
| Loan loss allowance to noncurrent loans | 154.9946% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 1,888 |
| Noncurrent loans to loans | 0.7178% | 2,003 |
| Net loans and leases to total assets | 69.1151% | 2,091 |
| Net loans and leases to deposits | 77.3125% | 2,615 |
| Net loans and leases to core deposits | 81.2967% | 2,726 |
| Total domestic deposits to total assets | 89.3970% | 616 |
| Equity capital to assets | 10.0697% | 3,166 |
| Core capital (leverage) ratio | 9.6134% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,864,000 | 2,023 |
| Average earning assets | $323,688,250 | 2,039 |
| Average equity | $36,281,500 | 2,151 |
| Average total loans | $255,928,000 | 1,889 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 1,263 |
| Cost of funding earning assets | 0.9667% | 1,082 |
| Net interest margin | 3.7898% | 1,867 |
| Noninterest income to average assets | 0.6644% | 1,882 |
| Noninterest expense to average assets | 2.9829% | 1,623 |
| Loan and lease loss provision to assets | 0.1615% | 2,383 |
| Net operating income to assets | 0.8103% | 3,008 |
| Return on assets (ROA) | 0.8103% | 3,122 |
| Pretax return on assets | 1.0018% | 3,028 |
| Return on Equity (ROE) | 7.7943% | 2,830 |
| Retained earnings to average equity (ytd only) | 3.6336% | 3,107 |
| Net charge-offs to loans | 0.1205% | 1,123 |
| Credit loss provision to net charge-offs | 181.8182% | 1,987 |
| Earnings coverage of net charge-offs (x) | 13.0974% | 2,011 |
| Efficiency ratio | 71.9432% | 1,689 |
| Assets per employee ($millions) | 4.4365% | 3,871 |
| Cash dividends to net income (ytd only)* | 53.3808% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,390 |
| Loan loss allowance to noncurrent loans | 129.4174% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7148% | 1,722 |
| Noncurrent loans to loans | 0.7999% | 1,896 |
| Net loans and leases to total assets | 70.3587% | 1,975 |
| Net loans and leases to deposits | 78.8267% | 2,568 |
| Net loans and leases to core deposits | 83.0756% | 2,682 |
| Total domestic deposits to total assets | 89.2575% | 660 |
| Equity capital to assets | 9.9682% | 3,235 |
| Core capital (leverage) ratio | 9.8009% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,772,000 | 2,019 |
| Average earning assets | $318,595,333 | 2,038 |
| Average equity | $36,052,000 | 2,158 |
| Average total loans | $255,702,667 | 1,865 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 1,009 |
| Cost of funding earning assets | 1.0275% | 1,305 |
| Net interest margin | 3.9526% | 1,524 |
| Noninterest income to average assets | 0.7451% | 1,473 |
| Noninterest expense to average assets | 3.2151% | 1,396 |
| Loan and lease loss provision to assets | 0.1428% | 1,959 |
| Net operating income to assets | 0.8130% | 2,864 |
| Return on assets (ROA) | 0.8130% | 2,952 |
| Pretax return on assets | 1.0046% | 2,829 |
| Return on Equity (ROE) | 7.6473% | 2,657 |
| Retained earnings to average equity (ytd only) | 3.4486% | 2,902 |
| Net charge-offs to loans | 0.1567% | 825 |
| Credit loss provision to net charge-offs | 121.2121% | 1,703 |
| Earnings coverage of net charge-offs (x) | 9.7374% | 1,806 |
| Efficiency ratio | 73.6971% | 1,858 |
| Assets per employee ($millions) | 4.0188% | 3,893 |
| Cash dividends to net income (ytd only)* | 54.9048% | 1,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,505 |
| Loan loss allowance to noncurrent loans | 103.2092% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 1,384 |
| Noncurrent loans to loans | 1.0048% | 1,649 |
| Net loans and leases to total assets | 73.6408% | 1,671 |
| Net loans and leases to deposits | 83.0604% | 2,326 |
| Net loans and leases to core deposits | 87.8039% | 2,538 |
| Total domestic deposits to total assets | 88.6594% | 818 |
| Equity capital to assets | 10.7141% | 3,120 |
| Core capital (leverage) ratio | 10.4384% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $336,043,000 | 2,015 |
| Average earning assets | $307,541,500 | 2,037 |
| Average equity | $35,725,000 | 2,159 |
| Average total loans | $252,658,000 | 1,845 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 1,317 |
| Cost of funding earning assets | 1.0440% | 1,537 |
| Net interest margin | 4.0149% | 1,810 |
| Noninterest income to average assets | 0.7257% | 1,723 |
| Noninterest expense to average assets | 3.2486% | 1,411 |
| Loan and lease loss provision to assets | 0.0698% | 2,604 |
| Net operating income to assets | 0.9424% | 3,050 |
| Return on assets (ROA) | 0.9424% | 3,133 |
| Pretax return on assets | 1.0871% | 3,209 |
| Return on Equity (ROE) | 9.1023% | 2,708 |
| Retained earnings to average equity (ytd only) | 4.6372% | 2,624 |
| Net charge-offs to loans | 0.0792% | 1,968 |
| Credit loss provision to net charge-offs | 119.6891% | 2,113 |
| Earnings coverage of net charge-offs (x) | 19.8394% | 1,972 |
| Efficiency ratio | 73.7398% | 1,633 |
| Assets per employee ($millions) | 3.9354% | 3,990 |
| Cash dividends to net income (ytd only)* | 49.0542% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,403 |
| Loan loss allowance to noncurrent loans | 105.3404% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.9635% | 1,309 |
| Noncurrent loans to loans | 0.9653% | 1,584 |
| Net loans and leases to total assets | 75.1945% | 1,551 |
| Net loans and leases to deposits | 84.6195% | 2,259 |
| Net loans and leases to core deposits | 90.3194% | 2,395 |
| Total domestic deposits to total assets | 88.8620% | 718 |
| Equity capital to assets | 10.5473% | 3,400 |
| Core capital (leverage) ratio | 10.2864% | 3,204 |
| Tier 1 risk-based capital ratio | 15.5334% | 2,570 |
| Total risk-based capital ratio | 16.6886% | 2,530 |
| Memoranda: | ||
| Average total assets | $330,975,600 | 1,975 |
| Average earning assets | $303,346,400 | 2,000 |
| Average equity | $34,266,200 | 2,176 |
| Average total loans | $243,732,400 | 1,865 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0034% | 1,525 |
| Cost of funding earning assets | 1.0257% | 1,654 |
| Net interest margin | 3.9777% | 2,027 |
| Noninterest income to average assets | 0.7210% | 1,696 |
| Noninterest expense to average assets | 3.2544% | 1,367 |
| Loan and lease loss provision to assets | 0.0121% | 3,654 |
| Net operating income to assets | 0.9145% | 3,290 |
| Return on assets (ROA) | 0.9145% | 3,372 |
| Pretax return on assets | 1.0995% | 3,297 |
| Return on Equity (ROE) | 8.8750% | 2,932 |
| Retained earnings to average equity (ytd only) | 4.9550% | 2,909 |
| Net charge-offs to loans | 0.0730% | 1,779 |
| Credit loss provision to net charge-offs | 22.7273% | 2,955 |
| Earnings coverage of net charge-offs (x) | 20.8480% | 1,941 |
| Efficiency ratio | 74.5397% | 1,489 |
| Assets per employee ($millions) | 3.8963% | 4,036 |
| Cash dividends to net income (ytd only)* | 44.1696% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,654 |
| Loan loss allowance to noncurrent loans | 101.2008% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.9123% | 1,490 |
| Noncurrent loans to loans | 0.9743% | 1,641 |
| Net loans and leases to total assets | 73.2422% | 1,959 |
| Net loans and leases to deposits | 82.3303% | 2,645 |
| Net loans and leases to core deposits | 87.5034% | 2,783 |
| Total domestic deposits to total assets | 88.9614% | 621 |
| Equity capital to assets | 10.4593% | 3,575 |
| Core capital (leverage) ratio | 10.2246% | 3,393 |
| Tier 1 risk-based capital ratio | 15.6974% | 2,561 |
| Total risk-based capital ratio | 16.8121% | 2,558 |
| Memoranda: | ||
| Average total assets | $330,091,750 | 1,993 |
| Average earning assets | $302,482,500 | 2,022 |
| Average equity | $34,012,250 | 2,207 |
| Average total loans | $241,136,000 | 1,888 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9305% | 1,662 |
| Cost of funding earning assets | 0.9894% | 1,744 |
| Net interest margin | 3.9410% | 2,118 |
| Noninterest income to average assets | 0.6942% | 1,741 |
| Noninterest expense to average assets | 3.2506% | 1,398 |
| Loan and lease loss provision to assets | 0.0183% | 3,421 |
| Net operating income to assets | 0.8544% | 3,455 |
| Return on assets (ROA) | 0.8544% | 3,514 |
| Pretax return on assets | 1.0298% | 3,450 |
| Return on Equity (ROE) | 8.3345% | 3,140 |
| Retained earnings to average equity (ytd only) | 4.6217% | 2,964 |
| Net charge-offs to loans | 0.0737% | 1,632 |
| Credit loss provision to net charge-offs | 34.0909% | 2,580 |
| Earnings coverage of net charge-offs (x) | 19.5568% | 1,816 |
| Efficiency ratio | 75.6198% | 1,446 |
| Assets per employee ($millions) | 3.7295% | 4,208 |
| Cash dividends to net income (ytd only)* | 44.5474% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 3,492 |
| Loan loss allowance to noncurrent loans | 107.8925% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 1,563 |
| Noncurrent loans to loans | 0.9479% | 1,718 |
| Net loans and leases to total assets | 71.7361% | 2,247 |
| Net loans and leases to deposits | 80.7093% | 2,881 |
| Net loans and leases to core deposits | 85.4975% | 2,997 |
| Total domestic deposits to total assets | 88.8820% | 713 |
| Equity capital to assets | 10.2585% | 3,739 |
| Core capital (leverage) ratio | 10.1333% | 3,471 |
| Tier 1 risk-based capital ratio | 15.8536% | 2,475 |
| Total risk-based capital ratio | 17.0161% | 2,452 |
| Memoranda: | ||
| Average total assets | $328,429,000 | 2,009 |
| Average earning assets | $300,378,000 | 2,035 |
| Average equity | $33,667,330 | 2,216 |
| Average total loans | $238,893,330 | 1,912 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 1,623 |
| Cost of funding earning assets | 0.9437% | 1,818 |
| Net interest margin | 3.9442% | 2,048 |
| Noninterest income to average assets | 0.6785% | 1,689 |
| Noninterest expense to average assets | 3.2855% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8325% | 3,510 |
| Return on assets (ROA) | 0.8325% | 3,550 |
| Pretax return on assets | 1.0012% | 3,436 |
| Return on Equity (ROE) | 8.1239% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.5186% | 3,115 |
| Net charge-offs to loans | 0.0913% | 1,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 15.0556% | 1,759 |
| Efficiency ratio | 76.6446% | 1,432 |
| Assets per employee ($millions) | 3.8438% | 4,127 |
| Cash dividends to net income (ytd only)* | 44.3787% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,445 |
| Loan loss allowance to noncurrent loans | 108.8210% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 1,598 |
| Noncurrent loans to loans | 0.9582% | 1,743 |
| Net loans and leases to total assets | 72.3888% | 2,093 |
| Net loans and leases to deposits | 81.4889% | 2,663 |
| Net loans and leases to core deposits | 86.0406% | 2,866 |
| Total domestic deposits to total assets | 88.8327% | 942 |
| Equity capital to assets | 10.2935% | 3,527 |
| Core capital (leverage) ratio | 10.3498% | 3,218 |
| Tier 1 risk-based capital ratio | 15.8776% | 2,496 |
| Total risk-based capital ratio | 17.0576% | 2,457 |
| Memoranda: | ||
| Average total assets | $324,816,500 | 2,040 |
| Average earning assets | $297,142,000 | 2,063 |
| Average equity | $33,284,500 | 2,234 |
| Average total loans | $236,703,500 | 1,945 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 1,621 |
| Cost of funding earning assets | 0.9070% | 1,061 |
| Net interest margin | 3.8594% | 2,469 |
| Noninterest income to average assets | 0.7762% | 1,538 |
| Noninterest expense to average assets | 3.1119% | 1,767 |
| Loan and lease loss provision to assets | 0.0552% | 3,068 |
| Net operating income to assets | 0.9469% | 3,248 |
| Return on assets (ROA) | 0.9469% | 3,242 |
| Pretax return on assets | 1.1246% | 3,189 |
| Return on Equity (ROE) | 9.6598% | 2,662 |
| Retained earnings to average equity (ytd only) | 6.3148% | 2,026 |
| Net charge-offs to loans | 0.0787% | 2,003 |
| Credit loss provision to net charge-offs | 99.4475% | 2,575 |
| Earnings coverage of net charge-offs (x) | 21.2707% | 1,953 |
| Efficiency ratio | 72.5098% | 1,839 |
| Assets per employee ($millions) | 3.8442% | 4,109 |
| Cash dividends to net income (ytd only)* | 34.6278% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,190 |
| Loan loss allowance to noncurrent loans | 151.6379% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6928% | 1,998 |
| Noncurrent loans to loans | 0.7163% | 2,197 |
| Net loans and leases to total assets | 71.8028% | 2,298 |
| Net loans and leases to deposits | 80.7759% | 2,875 |
| Net loans and leases to core deposits | 85.1259% | 2,994 |
| Total domestic deposits to total assets | 88.8914% | 903 |
| Equity capital to assets | 10.2003% | 3,467 |
| Core capital (leverage) ratio | 10.1644% | 3,392 |
| Tier 1 risk-based capital ratio | 16.2314% | 2,329 |
| Total risk-based capital ratio | 17.4778% | 2,275 |
| Memoranda: | ||
| Average total assets | $326,328,200 | 2,015 |
| Average earning assets | $297,245,800 | 2,036 |
| Average equity | $31,988,400 | 2,220 |
| Average total loans | $230,090,000 | 1,946 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,624 |
| Cost of funding earning assets | 0.8944% | 946 |
| Net interest margin | 3.8221% | 2,558 |
| Noninterest income to average assets | 0.7702% | 1,579 |
| Noninterest expense to average assets | 3.0853% | 1,796 |
| Loan and lease loss provision to assets | 0.0183% | 3,645 |
| Net operating income to assets | 0.9650% | 3,239 |
| Return on assets (ROA) | 0.9650% | 3,253 |
| Pretax return on assets | 1.1427% | 3,229 |
| Return on Equity (ROE) | 9.9438% | 2,645 |
| Retained earnings to average equity (ytd only) | 7.1723% | 2,038 |
| Net charge-offs to loans | 0.0536% | 2,056 |
| Credit loss provision to net charge-offs | 48.9130% | 2,839 |
| Earnings coverage of net charge-offs (x) | 30.9683% | 1,579 |
| Efficiency ratio | 72.6583% | 1,786 |
| Assets per employee ($millions) | 3.8877% | 4,058 |
| Cash dividends to net income (ytd only)* | 27.8717% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,309 |
| Loan loss allowance to noncurrent loans | 126.9680% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,271 |
| Noncurrent loans to loans | 0.8490% | 2,006 |
| Net loans and leases to total assets | 70.2535% | 2,604 |
| Net loans and leases to deposits | 78.7303% | 3,168 |
| Net loans and leases to core deposits | 82.8216% | 3,266 |
| Total domestic deposits to total assets | 89.2331% | 759 |
| Equity capital to assets | 9.8908% | 3,747 |
| Core capital (leverage) ratio | 10.0038% | 3,628 |
| Tier 1 risk-based capital ratio | 15.9585% | 2,465 |
| Total risk-based capital ratio | 17.1733% | 2,411 |
| Memoranda: | ||
| Average total assets | $327,182,500 | 2,018 |
| Average earning assets | $297,557,250 | 2,041 |
| Average equity | $31,751,000 | 2,236 |
| Average total loans | $229,011,250 | 1,960 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 1,639 |
| Cost of funding earning assets | 0.8714% | 826 |
| Net interest margin | 3.7800% | 2,639 |
| Noninterest income to average assets | 0.7795% | 1,539 |
| Noninterest expense to average assets | 3.0893% | 1,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9591% | 3,196 |
| Return on assets (ROA) | 0.9591% | 3,201 |
| Pretax return on assets | 1.1247% | 3,212 |
| Return on Equity (ROE) | 9.9468% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.5393% | 1,826 |
| Net charge-offs to loans | 0.0403% | 2,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 40.0217% | 1,301 |
| Efficiency ratio | 73.3111% | 1,803 |
| Assets per employee ($millions) | 3.4891% | 4,609 |
| Cash dividends to net income (ytd only)* | 24.2038% | 2,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,296 |
| Loan loss allowance to noncurrent loans | 131.4932% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 2,256 |
| Noncurrent loans to loans | 0.8323% | 2,060 |
| Net loans and leases to total assets | 68.1901% | 2,834 |
| Net loans and leases to deposits | 76.4770% | 3,288 |
| Net loans and leases to core deposits | 80.2055% | 3,401 |
| Total domestic deposits to total assets | 89.1642% | 863 |
| Equity capital to assets | 9.6625% | 3,951 |
| Core capital (leverage) ratio | 9.7955% | 3,794 |
| Tier 1 risk-based capital ratio | 16.2293% | 2,356 |
| Total risk-based capital ratio | 17.4795% | 2,299 |
| Memoranda: | ||
| Average total assets | $327,388,000 | 2,021 |
| Average earning assets | $297,458,330 | 2,058 |
| Average equity | $31,568,000 | 2,249 |
| Average total loans | $228,040,330 | 1,965 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 1,540 |
| Cost of funding earning assets | 0.8410% | 796 |
| Net interest margin | 3.7684% | 2,553 |
| Noninterest income to average assets | 0.6455% | 2,052 |
| Noninterest expense to average assets | 3.0380% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8594% | 3,463 |
| Return on assets (ROA) | 0.8594% | 3,473 |
| Pretax return on assets | 1.0340% | 3,415 |
| Return on Equity (ROE) | 8.9221% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.6457% | 1,972 |
| Net charge-offs to loans | 0.0667% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 22.1316% | 1,414 |
| Efficiency ratio | 74.6075% | 1,809 |
| Assets per employee ($millions) | 3.8462% | 4,218 |
| Cash dividends to net income (ytd only)* | 14.3062% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,434 |
| Loan loss allowance to noncurrent loans | 141.2725% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 2,421 |
| Noncurrent loans to loans | 0.7734% | 2,271 |
| Net loans and leases to total assets | 68.6617% | 2,679 |
| Net loans and leases to deposits | 76.8434% | 3,130 |
| Net loans and leases to core deposits | 80.2678% | 3,303 |
| Total domestic deposits to total assets | 89.3528% | 939 |
| Equity capital to assets | 9.5253% | 4,068 |
| Core capital (leverage) ratio | 9.8001% | 3,758 |
| Tier 1 risk-based capital ratio | 15.8810% | 2,529 |
| Total risk-based capital ratio | 17.1312% | 2,463 |
| Memoranda: | ||
| Average total assets | $325,349,000 | 2,047 |
| Average earning assets | $295,825,000 | 2,088 |
| Average equity | $31,338,000 | 2,283 |
| Average total loans | $227,796,500 | 1,979 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7845% | 1,004 |
| Cost of funding earning assets | 0.7548% | 803 |
| Net interest margin | 4.0298% | 1,658 |
| Noninterest income to average assets | 0.7124% | 1,909 |
| Noninterest expense to average assets | 3.2534% | 1,488 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7956% | 3,181 |
| Return on assets (ROA) | 0.7956% | 3,223 |
| Pretax return on assets | 1.1162% | 3,118 |
| Return on Equity (ROE) | 7.5395% | 3,017 |
| Retained earnings to average equity (ytd only) | 3.6772% | 3,035 |
| Net charge-offs to loans | 0.1126% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 13.3566% | 2,402 |
| Efficiency ratio | 74.4552% | 1,832 |
| Assets per employee ($millions) | 3.6773% | 4,467 |
| Cash dividends to net income (ytd only)* | 51.2269% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 3,202 |
| Loan loss allowance to noncurrent loans | 116.5142% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 2,024 |
| Noncurrent loans to loans | 0.9674% | 1,828 |
| Net loans and leases to total assets | 69.8359% | 2,540 |
| Net loans and leases to deposits | 78.7314% | 3,036 |
| Net loans and leases to core deposits | 82.3807% | 3,217 |
| Total domestic deposits to total assets | 88.7015% | 1,147 |
| Equity capital to assets | 9.7425% | 3,980 |
| Core capital (leverage) ratio | 10.2976% | 3,073 |
| Tier 1 risk-based capital ratio | 16.1667% | 2,372 |
| Total risk-based capital ratio | 17.4176% | 2,312 |
| Memoranda: | ||
| Average total assets | $291,969,800 | 2,208 |
| Average earning assets | $264,978,600 | 2,249 |
| Average equity | $30,811,200 | 2,307 |
| Average total loans | $216,745,400 | 2,022 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 832 |
| Cost of funding earning assets | 0.7355% | 820 |
| Net interest margin | 4.1166% | 1,349 |
| Noninterest income to average assets | 0.7135% | 1,942 |
| Noninterest expense to average assets | 3.3237% | 1,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8337% | 3,366 |
| Return on assets (ROA) | 0.8337% | 3,403 |
| Pretax return on assets | 1.1215% | 3,228 |
| Return on Equity (ROE) | 7.7337% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.2835% | 3,353 |
| Net charge-offs to loans | 0.1181% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 12.6156% | 2,416 |
| Efficiency ratio | 74.7711% | 1,778 |
| Assets per employee ($millions) | 3.5379% | 4,672 |
| Cash dividends to net income (ytd only)* | 44.6127% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 2,962 |
| Loan loss allowance to noncurrent loans | 120.0831% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 2,087 |
| Noncurrent loans to loans | 0.9942% | 1,944 |
| Net loans and leases to total assets | 73.3091% | 2,039 |
| Net loans and leases to deposits | 83.6690% | 2,599 |
| Net loans and leases to core deposits | 88.1895% | 2,755 |
| Total domestic deposits to total assets | 87.6180% | 1,568 |
| Equity capital to assets | 10.6544% | 3,209 |
| Core capital (leverage) ratio | 10.7080% | 2,753 |
| Tier 1 risk-based capital ratio | 16.5216% | 2,319 |
| Total risk-based capital ratio | 17.7734% | 2,271 |
| Memoranda: | ||
| Average total assets | $284,980,500 | 2,273 |
| Average earning assets | $258,330,250 | 2,305 |
| Average equity | $30,721,750 | 2,325 |
| Average total loans | $214,439,000 | 2,050 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7853% | 885 |
| Cost of funding earning assets | 0.7103% | 846 |
| Net interest margin | 4.0750% | 1,393 |
| Noninterest income to average assets | 0.6523% | 2,196 |
| Noninterest expense to average assets | 3.2351% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8331% | 3,231 |
| Return on assets (ROA) | 0.8331% | 3,288 |
| Pretax return on assets | 1.1188% | 3,094 |
| Return on Equity (ROE) | 7.6964% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.2248% | 3,192 |
| Net charge-offs to loans | 0.0891% | 1,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 16.6105% | 1,973 |
| Efficiency ratio | 74.3039% | 1,959 |
| Assets per employee ($millions) | 3.2120% | 5,076 |
| Cash dividends to net income (ytd only)* | 45.1064% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,664 |
| Loan loss allowance to noncurrent loans | 85.2355% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 1,407 |
| Noncurrent loans to loans | 1.4714% | 1,284 |
| Net loans and leases to total assets | 74.2567% | 1,821 |
| Net loans and leases to deposits | 85.2263% | 2,320 |
| Net loans and leases to core deposits | 90.1812% | 2,503 |
| Total domestic deposits to total assets | 87.1289% | 1,892 |
| Equity capital to assets | 10.8446% | 2,971 |
| Core capital (leverage) ratio | 10.6711% | 2,736 |
| Tier 1 risk-based capital ratio | 16.8530% | 2,191 |
| Total risk-based capital ratio | 18.1068% | 2,152 |
| Memoranda: | ||
| Average total assets | $282,093,000 | 2,298 |
| Average earning assets | $256,245,670 | 2,331 |
| Average equity | $30,533,670 | 2,336 |
| Average total loans | $213,296,000 | 2,059 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 826 |
| Cost of funding earning assets | 0.6832% | 914 |
| Net interest margin | 4.0755% | 1,286 |
| Noninterest income to average assets | 0.6824% | 2,032 |
| Noninterest expense to average assets | 3.1948% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8765% | 2,875 |
| Return on assets (ROA) | 0.8765% | 2,930 |
| Pretax return on assets | 1.1834% | 2,664 |
| Return on Equity (ROE) | 8.1056% | 2,865 |
| Retained earnings to average equity (ytd only) | 4.6073% | 3,119 |
| Net charge-offs to loans | 0.0791% | 1,544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.7381% | 1,512 |
| Efficiency ratio | 72.9703% | 2,409 |
| Assets per employee ($millions) | 3.5732% | 4,678 |
| Cash dividends to net income (ytd only)* | 43.1596% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,612 |
| Loan loss allowance to noncurrent loans | 93.8204% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 1,317 |
| Noncurrent loans to loans | 1.3695% | 1,470 |
| Net loans and leases to total assets | 73.8573% | 1,767 |
| Net loans and leases to deposits | 84.4484% | 2,227 |
| Net loans and leases to core deposits | 89.5779% | 2,389 |
| Total domestic deposits to total assets | 87.4585% | 2,009 |
| Equity capital to assets | 10.6808% | 2,983 |
| Core capital (leverage) ratio | 10.8225% | 2,578 |
| Tier 1 risk-based capital ratio | 15.9416% | 2,577 |
| Total risk-based capital ratio | 17.1947% | 2,519 |
| Memoranda: | ||
| Average total assets | $280,207,000 | 2,323 |
| Average earning assets | $254,106,000 | 2,366 |
| Average equity | $30,300,000 | 2,355 |
| Average total loans | $212,459,000 | 2,078 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9220% | 700 |
| Cost of funding earning assets | 0.6886% | 861 |
| Net interest margin | 4.2333% | 1,048 |
| Noninterest income to average assets | 0.6718% | 2,310 |
| Noninterest expense to average assets | 3.2136% | 1,762 |
| Loan and lease loss provision to assets | 0.1352% | 1,848 |
| Net operating income to assets | 0.9021% | 2,810 |
| Return on assets (ROA) | 0.9021% | 2,929 |
| Pretax return on assets | 1.2000% | 2,677 |
| Return on Equity (ROE) | 8.2012% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.2108% | 2,912 |
| Net charge-offs to loans | 0.2172% | 1,275 |
| Credit loss provision to net charge-offs | 81.7778% | 2,948 |
| Earnings coverage of net charge-offs (x) | 8.0778% | 2,927 |
| Efficiency ratio | 70.6476% | 2,802 |
| Assets per employee ($millions) | 3.3079% | 5,030 |
| Cash dividends to net income (ytd only)* | 48.6564% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 2,416 |
| Loan loss allowance to noncurrent loans | 98.5175% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2850% | 1,379 |
| Noncurrent loans to loans | 1.3424% | 1,531 |
| Net loans and leases to total assets | 75.8505% | 1,534 |
| Net loans and leases to deposits | 88.6949% | 1,846 |
| Net loans and leases to core deposits | 93.0573% | 2,206 |
| Total domestic deposits to total assets | 85.5184% | 2,823 |
| Equity capital to assets | 10.9515% | 2,664 |
| Core capital (leverage) ratio | 10.7117% | 2,642 |
| Tier 1 risk-based capital ratio | 16.5520% | 2,329 |
| Total risk-based capital ratio | 17.8077% | 2,267 |
| Memoranda: | ||
| Average total assets | $272,247,400 | 2,342 |
| Average earning assets | $249,330,600 | 2,362 |
| Average equity | $29,946,800 | 2,352 |
| Average total loans | $207,138,400 | 2,063 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8818% | 750 |
| Cost of funding earning assets | 0.6854% | 876 |
| Net interest margin | 4.1964% | 1,126 |
| Noninterest income to average assets | 0.6964% | 2,187 |
| Noninterest expense to average assets | 3.2494% | 1,682 |
| Loan and lease loss provision to assets | 0.1305% | 1,795 |
| Net operating income to assets | 0.8780% | 3,019 |
| Return on assets (ROA) | 0.8780% | 3,145 |
| Pretax return on assets | 1.1627% | 2,992 |
| Return on Equity (ROE) | 7.9731% | 3,021 |
| Retained earnings to average equity (ytd only) | 4.4300% | 3,179 |
| Net charge-offs to loans | 0.2755% | 840 |
| Credit loss provision to net charge-offs | 62.4413% | 2,884 |
| Earnings coverage of net charge-offs (x) | 6.1854% | 3,026 |
| Efficiency ratio | 71.5320% | 2,644 |
| Assets per employee ($millions) | 3.4284% | 4,872 |
| Cash dividends to net income (ytd only)* | 44.4382% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,706 |
| Loan loss allowance to noncurrent loans | 131.3166% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1281% | 1,790 |
| Noncurrent loans to loans | 0.9880% | 2,266 |
| Net loans and leases to total assets | 75.2490% | 1,662 |
| Net loans and leases to deposits | 87.4595% | 2,088 |
| Net loans and leases to core deposits | 91.8280% | 2,399 |
| Total domestic deposits to total assets | 86.0387% | 2,330 |
| Equity capital to assets | 11.1094% | 2,912 |
| Core capital (leverage) ratio | 10.6430% | 2,834 |
| Tier 1 risk-based capital ratio | 16.5639% | 2,386 |
| Total risk-based capital ratio | 17.8171% | 2,340 |
| Memoranda: | ||
| Average total assets | $271,670,250 | 2,361 |
| Average earning assets | $248,999,000 | 2,383 |
| Average equity | $29,916,500 | 2,374 |
| Average total loans | $206,162,250 | 2,078 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 806 |
| Cost of funding earning assets | 0.6779% | 907 |
| Net interest margin | 4.1686% | 1,184 |
| Noninterest income to average assets | 0.7297% | 2,006 |
| Noninterest expense to average assets | 3.1876% | 1,838 |
| Loan and lease loss provision to assets | 0.1034% | 2,118 |
| Net operating income to assets | 0.9416% | 2,667 |
| Return on assets (ROA) | 0.9416% | 2,809 |
| Pretax return on assets | 1.2629% | 2,553 |
| Return on Equity (ROE) | 8.5766% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.0114% | 2,735 |
| Net charge-offs to loans | 0.3109% | 764 |
| Credit loss provision to net charge-offs | 43.8871% | 2,733 |
| Earnings coverage of net charge-offs (x) | 5.7994% | 2,819 |
| Efficiency ratio | 69.9968% | 2,988 |
| Assets per employee ($millions) | 3.4946% | 4,758 |
| Cash dividends to net income (ytd only)* | 41.5686% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,766 |
| Loan loss allowance to noncurrent loans | 119.7333% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 1,691 |
| Noncurrent loans to loans | 1.0881% | 2,111 |
| Net loans and leases to total assets | 74.8734% | 1,677 |
| Net loans and leases to deposits | 86.1541% | 2,233 |
| Net loans and leases to core deposits | 90.5452% | 2,485 |
| Total domestic deposits to total assets | 86.9064% | 1,956 |
| Equity capital to assets | 11.1000% | 2,944 |
| Core capital (leverage) ratio | 10.5903% | 2,859 |
| Tier 1 risk-based capital ratio | 16.9020% | 2,254 |
| Total risk-based capital ratio | 18.1560% | 2,212 |
| Memoranda: | ||
| Average total assets | $270,803,000 | 2,377 |
| Average earning assets | $248,430,330 | 2,396 |
| Average equity | $29,732,000 | 2,388 |
| Average total loans | $205,183,000 | 2,095 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 782 |
| Cost of funding earning assets | 0.6730% | 932 |
| Net interest margin | 4.1660% | 1,183 |
| Noninterest income to average assets | 0.7232% | 1,922 |
| Noninterest expense to average assets | 3.2543% | 1,711 |
| Loan and lease loss provision to assets | 0.0667% | 2,631 |
| Net operating income to assets | 0.9084% | 2,712 |
| Return on assets (ROA) | 0.9084% | 2,832 |
| Pretax return on assets | 1.2182% | 2,627 |
| Return on Equity (ROE) | 8.3203% | 2,751 |
| Retained earnings to average equity (ytd only) | 4.7234% | 3,102 |
| Net charge-offs to loans | 0.3366% | 662 |
| Credit loss provision to net charge-offs | 26.1628% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.0407% | 2,368 |
| Efficiency ratio | 71.6944% | 2,842 |
| Assets per employee ($millions) | 3.3315% | 5,078 |
| Cash dividends to net income (ytd only)* | 43.2300% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 2,737 |
| Loan loss allowance to noncurrent loans | 98.5642% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 1,533 |
| Noncurrent loans to loans | 1.3536% | 1,762 |
| Net loans and leases to total assets | 75.2535% | 1,511 |
| Net loans and leases to deposits | 87.0691% | 1,935 |
| Net loans and leases to core deposits | 91.2511% | 2,252 |
| Total domestic deposits to total assets | 86.4296% | 2,477 |
| Equity capital to assets | 11.0186% | 2,918 |
| Core capital (leverage) ratio | 10.6456% | 2,800 |
| Tier 1 risk-based capital ratio | 16.3502% | 2,541 |
| Total risk-based capital ratio | 17.6048% | 2,493 |
| Memoranda: | ||
| Average total assets | $269,916,500 | 2,384 |
| Average earning assets | $247,238,000 | 2,410 |
| Average equity | $29,470,000 | 2,403 |
| Average total loans | $204,384,000 | 2,102 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 746 |
| Cost of funding earning assets | 0.7014% | 819 |
| Net interest margin | 4.2111% | 1,146 |
| Noninterest income to average assets | 0.6974% | 2,213 |
| Noninterest expense to average assets | 3.2643% | 1,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9504% | 2,608 |
| Return on assets (ROA) | 0.9504% | 2,690 |
| Pretax return on assets | 1.2886% | 2,328 |
| Return on Equity (ROE) | 8.7516% | 2,594 |
| Retained earnings to average equity (ytd only) | 4.9959% | 2,422 |
| Net charge-offs to loans | 0.1669% | 1,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 10.2018% | 2,718 |
| Efficiency ratio | 71.6972% | 2,952 |
| Assets per employee ($millions) | 3.3331% | 5,096 |
| Cash dividends to net income (ytd only)* | 42.9143% | 2,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 2,347 |
| Loan loss allowance to noncurrent loans | 99.8610% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 1,485 |
| Noncurrent loans to loans | 1.4176% | 1,642 |
| Net loans and leases to total assets | 74.1074% | 1,709 |
| Net loans and leases to deposits | 85.5018% | 2,188 |
| Net loans and leases to core deposits | 89.5904% | 2,444 |
| Total domestic deposits to total assets | 86.6735% | 2,287 |
| Equity capital to assets | 10.8178% | 3,007 |
| Core capital (leverage) ratio | 10.4626% | 2,970 |
| Tier 1 risk-based capital ratio | 16.8095% | 2,359 |
| Total risk-based capital ratio | 18.0670% | 2,305 |
| Memoranda: | ||
| Average total assets | $262,840,600 | 2,401 |
| Average earning assets | $240,650,800 | 2,419 |
| Average equity | $28,543,200 | 2,419 |
| Average total loans | $198,900,400 | 2,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9210% | 733 |
| Cost of funding earning assets | 0.7041% | 821 |
| Net interest margin | 4.2169% | 1,130 |
| Noninterest income to average assets | 0.7304% | 2,108 |
| Noninterest expense to average assets | 3.3131% | 1,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9443% | 2,739 |
| Return on assets (ROA) | 0.9443% | 2,843 |
| Pretax return on assets | 1.2835% | 2,459 |
| Return on Equity (ROE) | 8.6874% | 2,739 |
| Retained earnings to average equity (ytd only) | 5.4549% | 2,604 |
| Net charge-offs to loans | 0.1253% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.5109% | 2,320 |
| Efficiency ratio | 72.0778% | 2,866 |
| Assets per employee ($millions) | 3.2582% | 5,200 |
| Cash dividends to net income (ytd only)* | 37.2093% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 2,140 |
| Loan loss allowance to noncurrent loans | 115.0972% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.2981% | 1,802 |
| Noncurrent loans to loans | 1.3068% | 1,955 |
| Net loans and leases to total assets | 74.9114% | 1,564 |
| Net loans and leases to deposits | 86.3261% | 2,112 |
| Net loans and leases to core deposits | 90.7807% | 2,373 |
| Total domestic deposits to total assets | 86.7773% | 2,152 |
| Equity capital to assets | 11.0296% | 2,988 |
| Core capital (leverage) ratio | 10.7647% | 2,752 |
| Tier 1 risk-based capital ratio | 16.7005% | 2,478 |
| Total risk-based capital ratio | 17.9568% | 2,432 |
| Memoranda: | ||
| Average total assets | $261,055,500 | 2,435 |
| Average earning assets | $239,351,000 | 2,444 |
| Average equity | $28,377,500 | 2,443 |
| Average total loans | $197,888,250 | 2,091 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 764 |
| Cost of funding earning assets | 0.7040% | 826 |
| Net interest margin | 4.1773% | 1,158 |
| Noninterest income to average assets | 0.7374% | 2,052 |
| Noninterest expense to average assets | 3.3225% | 1,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9173% | 2,795 |
| Return on assets (ROA) | 0.9173% | 2,922 |
| Pretax return on assets | 1.2426% | 2,583 |
| Return on Equity (ROE) | 8.4809% | 2,806 |
| Retained earnings to average equity (ytd only) | 5.3033% | 2,669 |
| Net charge-offs to loans | 0.0965% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 17.0105% | 1,876 |
| Efficiency ratio | 72.7809% | 2,882 |
| Assets per employee ($millions) | 3.2684% | 5,212 |
| Cash dividends to net income (ytd only)* | 37.4686% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 1,947 |
| Loan loss allowance to noncurrent loans | 113.4622% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 1,861 |
| Noncurrent loans to loans | 1.3997% | 1,927 |
| Net loans and leases to total assets | 72.7945% | 1,845 |
| Net loans and leases to deposits | 83.6331% | 2,360 |
| Net loans and leases to core deposits | 87.8299% | 2,567 |
| Total domestic deposits to total assets | 87.0403% | 2,145 |
| Equity capital to assets | 10.7523% | 3,163 |
| Core capital (leverage) ratio | 10.6354% | 2,812 |
| Tier 1 risk-based capital ratio | 17.2344% | 2,313 |
| Total risk-based capital ratio | 18.4923% | 2,268 |
| Memoranda: | ||
| Average total assets | $260,101,670 | 2,453 |
| Average earning assets | $238,338,330 | 2,474 |
| Average equity | $28,133,670 | 2,472 |
| Average total loans | $196,943,330 | 2,108 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8688% | 750 |
| Cost of funding earning assets | 0.7113% | 811 |
| Net interest margin | 4.1575% | 1,153 |
| Noninterest income to average assets | 0.7340% | 1,998 |
| Noninterest expense to average assets | 3.3238% | 1,662 |
| Loan and lease loss provision to assets | 0.1164% | 1,773 |
| Net operating income to assets | 0.8069% | 3,226 |
| Return on assets (ROA) | 0.8069% | 3,348 |
| Pretax return on assets | 1.0940% | 3,108 |
| Return on Equity (ROE) | 7.4372% | 3,251 |
| Retained earnings to average equity (ytd only) | 4.2621% | 3,458 |
| Net charge-offs to loans | 0.0810% | 1,898 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,447 |
| Efficiency ratio | 73.3060% | 2,944 |
| Assets per employee ($millions) | 3.2403% | 5,339 |
| Cash dividends to net income (ytd only)* | 42.6923% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,916 |
| Loan loss allowance to noncurrent loans | 106.1271% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 1,730 |
| Noncurrent loans to loans | 1.5478% | 1,814 |
| Net loans and leases to total assets | 74.8171% | 1,385 |
| Net loans and leases to deposits | 85.8813% | 1,845 |
| Net loans and leases to core deposits | 90.0595% | 2,122 |
| Total domestic deposits to total assets | 87.1169% | 2,310 |
| Equity capital to assets | 10.8937% | 3,097 |
| Core capital (leverage) ratio | 10.6716% | 2,775 |
| Tier 1 risk-based capital ratio | 15.8514% | 2,990 |
| Total risk-based capital ratio | 17.1012% | 2,929 |
| Memoranda: | ||
| Average total assets | $257,780,500 | 2,487 |
| Average earning assets | $235,622,500 | 2,510 |
| Average equity | $27,967,500 | 2,507 |
| Average total loans | $197,500,500 | 2,108 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0506% | 705 |
| Cost of funding earning assets | 0.8184% | 589 |
| Net interest margin | 4.2322% | 1,211 |
| Noninterest income to average assets | 0.8022% | 1,870 |
| Noninterest expense to average assets | 3.3327% | 1,844 |
| Loan and lease loss provision to assets | 0.1444% | 1,836 |
| Net operating income to assets | 0.8780% | 2,985 |
| Return on assets (ROA) | 0.8896% | 3,007 |
| Pretax return on assets | 1.2005% | 2,650 |
| Return on Equity (ROE) | 8.3918% | 2,914 |
| Retained earnings to average equity (ytd only) | 4.6265% | 2,880 |
| Net charge-offs to loans | 0.3107% | 1,413 |
| Credit loss provision to net charge-offs | 61.2583% | 3,263 |
| Earnings coverage of net charge-offs (x) | 5.6407% | 3,383 |
| Efficiency ratio | 71.4872% | 3,293 |
| Assets per employee ($millions) | 3.2448% | 5,360 |
| Cash dividends to net income (ytd only)* | 44.8684% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6202% | 2,028 |
| Loan loss allowance to noncurrent loans | 118.0914% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3779% | 2,023 |
| Noncurrent loans to loans | 1.3720% | 2,139 |
| Net loans and leases to total assets | 75.9208% | 1,280 |
| Net loans and leases to deposits | 86.8234% | 1,865 |
| Net loans and leases to core deposits | 91.1314% | 2,173 |
| Total domestic deposits to total assets | 87.4427% | 2,062 |
| Equity capital to assets | 10.8045% | 3,113 |
| Core capital (leverage) ratio | 10.6007% | 2,836 |
| Tier 1 risk-based capital ratio | 16.2200% | 2,850 |
| Total risk-based capital ratio | 17.4778% | 2,786 |
| Memoranda: | ||
| Average total assets | $256,305,800 | 2,469 |
| Average earning assets | $233,754,600 | 2,480 |
| Average equity | $27,169,400 | 2,477 |
| Average total loans | $194,376,400 | 2,079 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0225% | 740 |
| Cost of funding earning assets | 0.8375% | 568 |
| Net interest margin | 4.1851% | 1,334 |
| Noninterest income to average assets | 0.7502% | 2,100 |
| Noninterest expense to average assets | 3.3341% | 1,833 |
| Loan and lease loss provision to assets | 0.0910% | 2,530 |
| Net operating income to assets | 0.8502% | 3,177 |
| Return on assets (ROA) | 0.8656% | 3,183 |
| Pretax return on assets | 1.1648% | 2,931 |
| Return on Equity (ROE) | 8.2056% | 3,091 |
| Retained earnings to average equity (ytd only) | 4.8573% | 3,179 |
| Net charge-offs to loans | 0.3417% | 1,173 |
| Credit loss provision to net charge-offs | 35.2823% | 3,371 |
| Earnings coverage of net charge-offs (x) | 4.7863% | 3,381 |
| Efficiency ratio | 72.9705% | 3,006 |
| Assets per employee ($millions) | 3.2310% | 5,368 |
| Cash dividends to net income (ytd only)* | 40.8053% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6055% | 2,288 |
| Loan loss allowance to noncurrent loans | 107.0007% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 1,896 |
| Noncurrent loans to loans | 1.5004% | 2,164 |
| Net loans and leases to total assets | 74.8637% | 1,385 |
| Net loans and leases to deposits | 85.5169% | 1,965 |
| Net loans and leases to core deposits | 89.6631% | 2,261 |
| Total domestic deposits to total assets | 87.5425% | 2,013 |
| Equity capital to assets | 10.7462% | 3,244 |
| Core capital (leverage) ratio | 10.5577% | 2,972 |
| Tier 1 risk-based capital ratio | 16.3908% | 2,857 |
| Total risk-based capital ratio | 17.6486% | 2,810 |
| Memoranda: | ||
| Average total assets | $256,298,000 | 2,487 |
| Average earning assets | $233,873,500 | 2,499 |
| Average equity | $27,037,750 | 2,489 |
| Average total loans | $193,516,000 | 2,097 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9900% | 765 |
| Cost of funding earning assets | 0.8492% | 561 |
| Net interest margin | 4.1408% | 1,403 |
| Noninterest income to average assets | 0.7099% | 2,227 |
| Noninterest expense to average assets | 3.2979% | 1,930 |
| Loan and lease loss provision to assets | 0.0584% | 3,117 |
| Net operating income to assets | 0.8416% | 3,125 |
| Return on assets (ROA) | 0.8416% | 3,216 |
| Pretax return on assets | 1.1307% | 2,970 |
| Return on Equity (ROE) | 8.0277% | 3,073 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,130 |
| Net charge-offs to loans | 0.3032% | 1,333 |
| Credit loss provision to net charge-offs | 25.5973% | 3,111 |
| Earnings coverage of net charge-offs (x) | 5.2082% | 2,965 |
| Efficiency ratio | 73.4977% | 3,063 |
| Assets per employee ($millions) | 3.2742% | 5,299 |
| Cash dividends to net income (ytd only)* | 41.1111% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,201 |
| Loan loss allowance to noncurrent loans | 105.1583% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.5824% | 2,066 |
| Noncurrent loans to loans | 1.5946% | 2,186 |
| Net loans and leases to total assets | 73.0142% | 1,569 |
| Net loans and leases to deposits | 82.7031% | 2,171 |
| Net loans and leases to core deposits | 86.6660% | 2,453 |
| Total domestic deposits to total assets | 88.2847% | 1,746 |
| Equity capital to assets | 10.4975% | 3,442 |
| Core capital (leverage) ratio | 10.2552% | 3,259 |
| Tier 1 risk-based capital ratio | 16.3465% | 2,908 |
| Total risk-based capital ratio | 17.6056% | 2,856 |
| Memoranda: | ||
| Average total assets | $256,646,670 | 2,489 |
| Average earning assets | $234,107,330 | 2,500 |
| Average equity | $26,907,000 | 2,485 |
| Average total loans | $193,285,000 | 2,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9861% | 735 |
| Cost of funding earning assets | 0.8488% | 587 |
| Net interest margin | 4.1373% | 1,372 |
| Noninterest income to average assets | 0.6102% | 2,672 |
| Noninterest expense to average assets | 3.2749% | 2,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8246% | 3,034 |
| Return on assets (ROA) | 0.8246% | 3,106 |
| Pretax return on assets | 1.1031% | 2,889 |
| Return on Equity (ROE) | 7.8704% | 2,996 |
| Retained earnings to average equity (ytd only) | 4.7342% | 3,274 |
| Net charge-offs to loans | 0.4023% | 905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6154% | 2,654 |
| Efficiency ratio | 74.8034% | 2,997 |
| Assets per employee ($millions) | 3.2156% | 5,500 |
| Cash dividends to net income (ytd only)* | 39.8482% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6638% | 2,459 |
| Loan loss allowance to noncurrent loans | 97.0676% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 1,909 |
| Noncurrent loans to loans | 1.7140% | 2,262 |
| Net loans and leases to total assets | 74.5321% | 1,184 |
| Net loans and leases to deposits | 84.1030% | 1,811 |
| Net loans and leases to core deposits | 88.2375% | 2,067 |
| Total domestic deposits to total assets | 88.6200% | 1,880 |
| Equity capital to assets | 10.4319% | 3,317 |
| Core capital (leverage) ratio | 10.3348% | 3,134 |
| Tier 1 risk-based capital ratio | 15.6572% | 3,357 |
| Total risk-based capital ratio | 16.9158% | 3,314 |
| Memoranda: | ||
| Average total assets | $255,639,000 | 2,497 |
| Average earning assets | $232,807,000 | 2,516 |
| Average equity | $26,784,000 | 2,484 |
| Average total loans | $193,887,000 | 2,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2848% | 547 |
| Cost of funding earning assets | 0.8645% | 887 |
| Net interest margin | 4.4203% | 877 |
| Noninterest income to average assets | 0.7810% | 2,161 |
| Noninterest expense to average assets | 3.3454% | 2,016 |
| Loan and lease loss provision to assets | 0.1157% | 2,877 |
| Net operating income to assets | 1.0057% | 2,306 |
| Return on assets (ROA) | 1.0057% | 2,366 |
| Pretax return on assets | 1.3516% | 1,961 |
| Return on Equity (ROE) | 9.5851% | 2,288 |
| Retained earnings to average equity (ytd only) | 4.9422% | 2,635 |
| Net charge-offs to loans | 0.2764% | 2,320 |
| Credit loss provision to net charge-offs | 55.4286% | 3,692 |
| Earnings coverage of net charge-offs (x) | 7.0286% | 2,927 |
| Efficiency ratio | 69.5117% | 3,919 |
| Assets per employee ($millions) | 3.2156% | 5,463 |
| Cash dividends to net income (ytd only)* | 48.4381% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 2,118 |
| Loan loss allowance to noncurrent loans | 89.2088% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 1,703 |
| Noncurrent loans to loans | 1.9995% | 1,992 |
| Net loans and leases to total assets | 74.5419% | 1,280 |
| Net loans and leases to deposits | 85.3083% | 1,773 |
| Net loans and leases to core deposits | 89.6488% | 2,064 |
| Total domestic deposits to total assets | 87.3794% | 2,538 |
| Equity capital to assets | 10.5232% | 3,124 |
| Core capital (leverage) ratio | 10.3294% | 3,118 |
| Tier 1 risk-based capital ratio | 15.6249% | 3,290 |
| Total risk-based capital ratio | 16.8847% | 3,244 |
| Memoranda: | ||
| Average total assets | $251,477,400 | 2,517 |
| Average earning assets | $229,373,000 | 2,518 |
| Average equity | $26,384,800 | 2,512 |
| Average total loans | $189,927,600 | 2,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 516 |
| Cost of funding earning assets | 0.8647% | 974 |
| Net interest margin | 4.4491% | 808 |
| Noninterest income to average assets | 0.7989% | 2,153 |
| Noninterest expense to average assets | 3.3678% | 1,902 |
| Loan and lease loss provision to assets | 0.1419% | 2,514 |
| Net operating income to assets | 1.0079% | 2,345 |
| Return on assets (ROA) | 1.0083% | 2,429 |
| Pretax return on assets | 1.3538% | 2,104 |
| Return on Equity (ROE) | 9.6177% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.1764% | 2,952 |
| Net charge-offs to loans | 0.3023% | 2,020 |
| Credit loss provision to net charge-offs | 62.2378% | 3,248 |
| Earnings coverage of net charge-offs (x) | 6.5571% | 2,951 |
| Efficiency ratio | 69.2535% | 3,881 |
| Assets per employee ($millions) | 3.1822% | 5,531 |
| Cash dividends to net income (ytd only)* | 46.1781% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 2,278 |
| Loan loss allowance to noncurrent loans | 105.1198% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.8274% | 2,236 |
| Noncurrent loans to loans | 1.7201% | 2,618 |
| Net loans and leases to total assets | 75.8408% | 1,021 |
| Net loans and leases to deposits | 87.3749% | 1,444 |
| Net loans and leases to core deposits | 91.2856% | 1,844 |
| Total domestic deposits to total assets | 86.7993% | 2,801 |
| Equity capital to assets | 10.5161% | 3,257 |
| Core capital (leverage) ratio | 10.2810% | 3,272 |
| Tier 1 risk-based capital ratio | 15.3952% | 3,516 |
| Total risk-based capital ratio | 16.6555% | 3,472 |
| Memoranda: | ||
| Average total assets | $250,839,500 | 2,537 |
| Average earning assets | $229,133,750 | 2,536 |
| Average equity | $26,298,000 | 2,551 |
| Average total loans | $189,210,250 | 2,105 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 517 |
| Cost of funding earning assets | 0.8601% | 1,083 |
| Net interest margin | 4.4506% | 778 |
| Noninterest income to average assets | 0.7859% | 2,258 |
| Noninterest expense to average assets | 3.3680% | 1,893 |
| Loan and lease loss provision to assets | 0.1149% | 2,891 |
| Net operating income to assets | 1.0173% | 2,257 |
| Return on assets (ROA) | 1.0173% | 2,380 |
| Pretax return on assets | 1.3660% | 2,058 |
| Return on Equity (ROE) | 9.7137% | 2,311 |
| Retained earnings to average equity (ytd only) | 5.3254% | 2,853 |
| Net charge-offs to loans | 0.3487% | 1,798 |
| Credit loss provision to net charge-offs | 44.0367% | 3,342 |
| Earnings coverage of net charge-offs (x) | 5.6758% | 2,848 |
| Efficiency ratio | 69.4586% | 3,931 |
| Assets per employee ($millions) | 3.1789% | 5,533 |
| Cash dividends to net income (ytd only)* | 45.1765% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8568% | 2,243 |
| Loan loss allowance to noncurrent loans | 107.1538% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.9101% | 2,270 |
| Noncurrent loans to loans | 1.7328% | 2,722 |
| Net loans and leases to total assets | 73.4559% | 1,333 |
| Net loans and leases to deposits | 84.3945% | 1,746 |
| Net loans and leases to core deposits | 88.7388% | 2,031 |
| Total domestic deposits to total assets | 87.0387% | 2,798 |
| Equity capital to assets | 10.5056% | 3,298 |
| Core capital (leverage) ratio | 10.1455% | 3,301 |
| Tier 1 risk-based capital ratio | 15.5019% | 3,482 |
| Total risk-based capital ratio | 16.7626% | 3,428 |
| Memoranda: | ||
| Average total assets | $250,654,330 | 2,550 |
| Average earning assets | $228,822,330 | 2,551 |
| Average equity | $26,251,670 | 2,564 |
| Average total loans | $187,556,670 | 2,130 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3205% | 493 |
| Cost of funding earning assets | 0.8565% | 1,223 |
| Net interest margin | 4.4640% | 721 |
| Noninterest income to average assets | 0.7619% | 2,286 |
| Noninterest expense to average assets | 3.3720% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0846% | 1,921 |
| Return on assets (ROA) | 1.0846% | 2,029 |
| Pretax return on assets | 1.4696% | 1,653 |
| Return on Equity (ROE) | 10.3720% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.0878% | 2,115 |
| Net charge-offs to loans | 0.3779% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.1977% | 2,398 |
| Efficiency ratio | 69.6470% | 4,028 |
| Assets per employee ($millions) | 3.1965% | 5,636 |
| Cash dividends to net income (ytd only)* | 31.6642% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 2,449 |
| Loan loss allowance to noncurrent loans | 90.3593% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.1539% | 2,180 |
| Noncurrent loans to loans | 2.0461% | 2,572 |
| Net loans and leases to total assets | 73.4979% | 1,143 |
| Net loans and leases to deposits | 83.8853% | 1,610 |
| Net loans and leases to core deposits | 87.3126% | 1,977 |
| Total domestic deposits to total assets | 87.6172% | 2,558 |
| Equity capital to assets | 10.4911% | 3,546 |
| Core capital (leverage) ratio | 10.1064% | 3,269 |
| Tier 1 risk-based capital ratio | 15.3074% | 3,647 |
| Total risk-based capital ratio | 16.5682% | 3,599 |
| Memoranda: | ||
| Average total assets | $250,415,000 | 2,576 |
| Average earning assets | $228,851,500 | 2,576 |
| Average equity | $26,186,000 | 2,597 |
| Average total loans | $187,354,000 | 2,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 638 |
| Cost of funding earning assets | 1.0362% | 1,185 |
| Net interest margin | 4.4503% | 1,047 |
| Noninterest income to average assets | 0.7351% | 2,562 |
| Noninterest expense to average assets | 3.1765% | 2,690 |
| Loan and lease loss provision to assets | 0.3431% | 1,954 |
| Net operating income to assets | 1.0002% | 2,330 |
| Return on assets (ROA) | 1.0071% | 2,522 |
| Pretax return on assets | 1.3418% | 2,242 |
| Return on Equity (ROE) | 10.1062% | 2,126 |
| Retained earnings to average equity (ytd only) | 6.2765% | 1,928 |
| Net charge-offs to loans | 0.2773% | 3,277 |
| Credit loss provision to net charge-offs | 168.4211% | 1,571 |
| Earnings coverage of net charge-offs (x) | 8.2261% | 2,446 |
| Efficiency ratio | 65.4636% | 4,607 |
| Assets per employee ($millions) | 3.1432% | 5,752 |
| Cash dividends to net income (ytd only)* | 37.8943% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9788% | 2,076 |
| Loan loss allowance to noncurrent loans | 114.0329% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.8835% | 2,593 |
| Noncurrent loans to loans | 1.7353% | 3,010 |
| Net loans and leases to total assets | 73.2721% | 1,291 |
| Net loans and leases to deposits | 84.7038% | 1,674 |
| Net loans and leases to core deposits | 87.2147% | 2,167 |
| Total domestic deposits to total assets | 86.5040% | 3,093 |
| Equity capital to assets | 10.4225% | 3,623 |
| Core capital (leverage) ratio | 10.0459% | 3,343 |
| Tier 1 risk-based capital ratio | 15.3812% | 3,496 |
| Total risk-based capital ratio | 16.6439% | 3,453 |
| Memoranda: | ||
| Average total assets | $251,818,400 | 2,512 |
| Average earning assets | $232,973,800 | 2,473 |
| Average equity | $25,093,600 | 2,648 |
| Average total loans | $185,014,000 | 2,141 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 680 |
| Cost of funding earning assets | 1.0749% | 1,169 |
| Net interest margin | 4.4215% | 1,161 |
| Noninterest income to average assets | 0.7123% | 2,647 |
| Noninterest expense to average assets | 3.1552% | 2,700 |
| Loan and lease loss provision to assets | 0.3751% | 1,724 |
| Net operating income to assets | 0.9706% | 2,657 |
| Return on assets (ROA) | 0.9798% | 2,837 |
| Pretax return on assets | 1.2916% | 2,634 |
| Return on Equity (ROE) | 9.9447% | 2,367 |
| Retained earnings to average equity (ytd only) | 5.9497% | 2,725 |
| Net charge-offs to loans | 0.3238% | 2,831 |
| Credit loss provision to net charge-offs | 158.3519% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.9844% | 2,681 |
| Efficiency ratio | 65.5989% | 4,523 |
| Assets per employee ($millions) | 3.1171% | 5,809 |
| Cash dividends to net income (ytd only)* | 40.1722% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9448% | 2,343 |
| Loan loss allowance to noncurrent loans | 91.8739% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 2.1299% | 2,517 |
| Noncurrent loans to loans | 2.1168% | 2,707 |
| Net loans and leases to total assets | 73.3833% | 1,340 |
| Net loans and leases to deposits | 83.4570% | 1,932 |
| Net loans and leases to core deposits | 85.9065% | 2,475 |
| Total domestic deposits to total assets | 87.9294% | 2,086 |
| Equity capital to assets | 10.3683% | 3,988 |
| Core capital (leverage) ratio | 9.6749% | 4,001 |
| Tier 1 risk-based capital ratio | 15.2440% | 3,678 |
| Total risk-based capital ratio | 16.5062% | 3,623 |
| Memoranda: | ||
| Average total assets | $252,695,500 | 2,530 |
| Average earning assets | $234,181,250 | 2,487 |
| Average equity | $24,897,000 | 2,698 |
| Average total loans | $184,863,750 | 2,169 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 768 |
| Cost of funding earning assets | 1.1104% | 1,173 |
| Net interest margin | 4.3595% | 1,308 |
| Noninterest income to average assets | 0.6663% | 2,859 |
| Noninterest expense to average assets | 3.0646% | 3,035 |
| Loan and lease loss provision to assets | 0.3437% | 1,915 |
| Net operating income to assets | 0.9814% | 2,539 |
| Return on assets (ROA) | 0.9896% | 2,744 |
| Pretax return on assets | 1.3114% | 2,516 |
| Return on Equity (ROE) | 10.2166% | 2,274 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,765 |
| Net charge-offs to loans | 0.3048% | 2,810 |
| Credit loss provision to net charge-offs | 155.3191% | 1,784 |
| Earnings coverage of net charge-offs (x) | 7.4291% | 2,483 |
| Efficiency ratio | 65.0833% | 4,712 |
| Assets per employee ($millions) | 3.2046% | 5,640 |
| Cash dividends to net income (ytd only)* | 42.3473% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 2,556 |
| Loan loss allowance to noncurrent loans | 80.9967% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 2,441 |
| Noncurrent loans to loans | 2.3467% | 2,551 |
| Net loans and leases to total assets | 70.9056% | 1,749 |
| Net loans and leases to deposits | 80.8371% | 2,260 |
| Net loans and leases to core deposits | 83.3500% | 2,776 |
| Total domestic deposits to total assets | 87.7142% | 2,330 |
| Equity capital to assets | 9.9103% | 4,468 |
| Core capital (leverage) ratio | 9.3970% | 4,302 |
| Tier 1 risk-based capital ratio | 15.1111% | 3,694 |
| Total risk-based capital ratio | 16.3728% | 3,652 |
| Memoranda: | ||
| Average total assets | $254,843,670 | 2,499 |
| Average earning assets | $236,312,670 | 2,462 |
| Average equity | $24,685,330 | 2,698 |
| Average total loans | $185,054,670 | 2,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 811 |
| Cost of funding earning assets | 1.1702% | 1,104 |
| Net interest margin | 4.2901% | 1,504 |
| Noninterest income to average assets | 0.6899% | 2,710 |
| Noninterest expense to average assets | 2.9771% | 3,342 |
| Loan and lease loss provision to assets | 0.3051% | 2,065 |
| Net operating income to assets | 1.0388% | 2,329 |
| Return on assets (ROA) | 1.0388% | 2,520 |
| Pretax return on assets | 1.3939% | 2,209 |
| Return on Equity (ROE) | 10.8481% | 2,090 |
| Retained earnings to average equity (ytd only) | 7.2212% | 2,316 |
| Net charge-offs to loans | 0.3418% | 2,281 |
| Credit loss provision to net charge-offs | 122.6415% | 1,947 |
| Earnings coverage of net charge-offs (x) | 6.8302% | 2,152 |
| Efficiency ratio | 63.6668% | 4,988 |
| Assets per employee ($millions) | 3.2456% | 5,668 |
| Cash dividends to net income (ytd only)* | 33.4337% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,889 |
| Loan loss allowance to noncurrent loans | 89.3085% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 2.1528% | 2,725 |
| Noncurrent loans to loans | 2.0493% | 3,089 |
| Net loans and leases to total assets | 70.2460% | 1,714 |
| Net loans and leases to deposits | 79.5849% | 2,265 |
| Net loans and leases to core deposits | 82.0144% | 2,834 |
| Total domestic deposits to total assets | 88.2655% | 2,153 |
| Equity capital to assets | 9.6160% | 4,631 |
| Core capital (leverage) ratio | 9.1943% | 4,524 |
| Tier 1 risk-based capital ratio | 14.9104% | 3,816 |
| Total risk-based capital ratio | 16.1710% | 3,776 |
| Memoranda: | ||
| Average total assets | $255,684,500 | 2,511 |
| Average earning assets | $237,567,500 | 2,472 |
| Average equity | $24,483,500 | 2,717 |
| Average total loans | $186,090,000 | 2,159 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6867% | 800 |
| Cost of funding earning assets | 1.4065% | 1,010 |
| Net interest margin | 4.2802% | 1,772 |
| Noninterest income to average assets | 0.7479% | 2,346 |
| Noninterest expense to average assets | 2.8662% | 4,101 |
| Loan and lease loss provision to assets | 0.4988% | 2,111 |
| Net operating income to assets | 1.0375% | 2,055 |
| Return on assets (ROA) | 1.0378% | 2,206 |
| Pretax return on assets | 1.3867% | 1,820 |
| Return on Equity (ROE) | 11.4756% | 1,565 |
| Retained earnings to average equity (ytd only) | 8.3958% | 955 |
| Net charge-offs to loans | 0.4450% | 3,209 |
| Credit loss provision to net charge-offs | 150.1767% | 1,880 |
| Earnings coverage of net charge-offs (x) | 5.6761% | 2,711 |
| Efficiency ratio | 60.3244% | 5,703 |
| Assets per employee ($millions) | 3.2274% | 5,657 |
| Cash dividends to net income (ytd only)* | 26.8375% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 2,988 |
| Loan loss allowance to noncurrent loans | 105.0285% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 1.9854% | 2,988 |
| Noncurrent loans to loans | 1.6756% | 3,650 |
| Net loans and leases to total assets | 72.7109% | 1,512 |
| Net loans and leases to deposits | 82.5122% | 2,130 |
| Net loans and leases to core deposits | 84.9358% | 2,755 |
| Total domestic deposits to total assets | 88.1214% | 2,081 |
| Equity capital to assets | 9.5351% | 4,824 |
| Core capital (leverage) ratio | 9.0211% | 4,743 |
| Tier 1 risk-based capital ratio | 14.2509% | 4,145 |
| Total risk-based capital ratio | 15.5109% | 4,101 |
| Memoranda: | ||
| Average total assets | $255,636,600 | 2,461 |
| Average earning assets | $239,100,400 | 2,413 |
| Average equity | $23,118,600 | 2,768 |
| Average total loans | $190,795,200 | 2,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6522% | 929 |
| Cost of funding earning assets | 1.4399% | 1,066 |
| Net interest margin | 4.2123% | 2,047 |
| Noninterest income to average assets | 0.7323% | 2,404 |
| Noninterest expense to average assets | 2.8813% | 4,007 |
| Loan and lease loss provision to assets | 0.5082% | 1,950 |
| Net operating income to assets | 0.9732% | 2,418 |
| Return on assets (ROA) | 0.9736% | 2,586 |
| Pretax return on assets | 1.2848% | 2,342 |
| Return on Equity (ROE) | 10.9139% | 1,892 |
| Retained earnings to average equity (ytd only) | 8.7931% | 1,217 |
| Net charge-offs to loans | 0.5687% | 2,533 |
| Credit loss provision to net charge-offs | 119.4853% | 2,729 |
| Earnings coverage of net charge-offs (x) | 4.2145% | 3,142 |
| Efficiency ratio | 61.6483% | 5,468 |
| Assets per employee ($millions) | 3.2111% | 5,650 |
| Cash dividends to net income (ytd only)* | 19.4327% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,650 |
| Loan loss allowance to noncurrent loans | 78.2130% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 2.2816% | 2,807 |
| Noncurrent loans to loans | 2.0502% | 3,303 |
| Net loans and leases to total assets | 72.9765% | 1,513 |
| Net loans and leases to deposits | 82.6496% | 2,232 |
| Net loans and leases to core deposits | 84.8258% | 2,939 |
| Total domestic deposits to total assets | 88.2963% | 1,878 |
| Equity capital to assets | 9.3342% | 5,325 |
| Core capital (leverage) ratio | 8.7846% | 5,288 |
| Tier 1 risk-based capital ratio | 13.8838% | 4,428 |
| Total risk-based capital ratio | 15.1413% | 4,386 |
| Memoranda: | ||
| Average total assets | $255,805,000 | 2,475 |
| Average earning assets | $239,359,000 | 2,413 |
| Average equity | $22,820,500 | 2,802 |
| Average total loans | $191,317,250 | 2,139 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 862 |
| Cost of funding earning assets | 1.4639% | 1,150 |
| Net interest margin | 4.2429% | 1,868 |
| Noninterest income to average assets | 0.7634% | 2,189 |
| Noninterest expense to average assets | 2.9580% | 3,801 |
| Loan and lease loss provision to assets | 0.6264% | 1,526 |
| Net operating income to assets | 0.8904% | 2,681 |
| Return on assets (ROA) | 0.8910% | 2,785 |
| Pretax return on assets | 1.1556% | 2,654 |
| Return on Equity (ROE) | 10.1450% | 2,068 |
| Retained earnings to average equity (ytd only) | 6.9089% | 1,919 |
| Net charge-offs to loans | 0.7830% | 1,936 |
| Credit loss provision to net charge-offs | 106.6667% | 2,890 |
| Earnings coverage of net charge-offs (x) | 3.0333% | 3,338 |
| Efficiency ratio | 62.4153% | 5,518 |
| Assets per employee ($millions) | 3.2725% | 5,474 |
| Cash dividends to net income (ytd only)* | 31.8981% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 3,862 |
| Loan loss allowance to noncurrent loans | 99.9322% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 3,370 |
| Noncurrent loans to loans | 1.5620% | 4,068 |
| Net loans and leases to total assets | 71.8654% | 1,812 |
| Net loans and leases to deposits | 81.2829% | 2,557 |
| Net loans and leases to core deposits | 83.4351% | 3,303 |
| Total domestic deposits to total assets | 88.4139% | 1,913 |
| Equity capital to assets | 8.8773% | 5,734 |
| Core capital (leverage) ratio | 8.4872% | 5,572 |
| Tier 1 risk-based capital ratio | 13.6276% | 4,434 |
| Total risk-based capital ratio | 14.8849% | 4,409 |
| Memoranda: | ||
| Average total assets | $255,445,330 | 2,492 |
| Average earning assets | $239,365,330 | 2,431 |
| Average equity | $22,434,670 | 2,823 |
| Average total loans | $191,583,000 | 2,164 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7407% | 814 |
| Cost of funding earning assets | 1.4726% | 1,281 |
| Net interest margin | 4.2681% | 1,672 |
| Noninterest income to average assets | 0.7672% | 2,176 |
| Noninterest expense to average assets | 3.0247% | 3,537 |
| Loan and lease loss provision to assets | 0.5514% | 1,567 |
| Net operating income to assets | 0.9074% | 2,528 |
| Return on assets (ROA) | 0.9074% | 2,588 |
| Pretax return on assets | 1.1910% | 2,411 |
| Return on Equity (ROE) | 10.3891% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.3891% | 1,026 |
| Net charge-offs to loans | 0.4290% | 2,411 |
| Credit loss provision to net charge-offs | 169.0821% | 1,706 |
| Earnings coverage of net charge-offs (x) | 5.3430% | 2,296 |
| Efficiency ratio | 63.4501% | 5,450 |
| Assets per employee ($millions) | 3.3264% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 3,820 |
| Loan loss allowance to noncurrent loans | 116.9361% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 3,550 |
| Noncurrent loans to loans | 1.3505% | 4,458 |
| Net loans and leases to total assets | 73.9216% | 1,358 |
| Net loans and leases to deposits | 83.3140% | 2,135 |
| Net loans and leases to core deposits | 85.6775% | 2,924 |
| Total domestic deposits to total assets | 88.7265% | 1,937 |
| Equity capital to assets | 8.7927% | 5,508 |
| Core capital (leverage) ratio | 8.5642% | 5,322 |
| Tier 1 risk-based capital ratio | 13.3062% | 4,571 |
| Total risk-based capital ratio | 14.5634% | 4,545 |
| Memoranda: | ||
| Average total assets | $253,905,500 | 2,531 |
| Average earning assets | $237,951,000 | 2,464 |
| Average equity | $22,177,000 | 2,849 |
| Average total loans | $193,006,500 | 2,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0968% | 704 |
| Cost of funding earning assets | 1.7204% | 1,508 |
| Net interest margin | 4.3764% | 1,569 |
| Noninterest income to average assets | 0.7685% | 2,435 |
| Noninterest expense to average assets | 2.8570% | 4,385 |
| Loan and lease loss provision to assets | 0.4416% | 3,469 |
| Net operating income to assets | 1.1669% | 1,492 |
| Return on assets (ROA) | 1.1744% | 1,551 |
| Pretax return on assets | 1.5855% | 1,160 |
| Return on Equity (ROE) | 13.9098% | 900 |
| Retained earnings to average equity (ytd only) | 9.5918% | 588 |
| Net charge-offs to loans | 0.3329% | 4,344 |
| Credit loss provision to net charge-offs | 171.3396% | 1,972 |
| Earnings coverage of net charge-offs (x) | 7.8255% | 2,060 |
| Efficiency ratio | 58.6161% | 6,260 |
| Assets per employee ($millions) | 3.2686% | 5,495 |
| Cash dividends to net income (ytd only)* | 31.0427% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 4,038 |
| Loan loss allowance to noncurrent loans | 161.7877% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3430% | 4,331 |
| Noncurrent loans to loans | 0.9244% | 5,205 |
| Net loans and leases to total assets | 75.7878% | 1,323 |
| Net loans and leases to deposits | 85.4276% | 2,202 |
| Net loans and leases to core deposits | 88.1306% | 3,034 |
| Total domestic deposits to total assets | 88.7158% | 1,816 |
| Equity capital to assets | 8.6749% | 5,617 |
| Core capital (leverage) ratio | 8.3791% | 5,580 |
| Tier 1 risk-based capital ratio | 12.5026% | 5,019 |
| Total risk-based capital ratio | 13.7525% | 5,005 |
| Memoranda: | ||
| Average total assets | $249,069,600 | 2,549 |
| Average earning assets | $233,663,400 | 2,493 |
| Average equity | $21,028,400 | 3,003 |
| Average total loans | $192,840,000 | 2,221 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0886% | 779 |
| Cost of funding earning assets | 1.7627% | 1,574 |
| Net interest margin | 4.3260% | 1,752 |
| Noninterest income to average assets | 0.8056% | 2,205 |
| Noninterest expense to average assets | 2.8875% | 4,139 |
| Loan and lease loss provision to assets | 0.4025% | 3,495 |
| Net operating income to assets | 1.1644% | 1,692 |
| Return on assets (ROA) | 1.1743% | 1,759 |
| Pretax return on assets | 1.5860% | 1,379 |
| Return on Equity (ROE) | 14.0069% | 1,034 |
| Retained earnings to average equity (ytd only) | 10.4028% | 700 |
| Net charge-offs to loans | 0.3315% | 4,001 |
| Credit loss provision to net charge-offs | 156.5762% | 2,450 |
| Earnings coverage of net charge-offs (x) | 7.6827% | 2,283 |
| Efficiency ratio | 59.3819% | 6,049 |
| Assets per employee ($millions) | 3.2562% | 5,567 |
| Cash dividends to net income (ytd only)* | 25.7313% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 4,426 |
| Loan loss allowance to noncurrent loans | 221.2418% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 4,815 |
| Noncurrent loans to loans | 0.6358% | 5,936 |
| Net loans and leases to total assets | 75.7037% | 1,462 |
| Net loans and leases to deposits | 85.2529% | 2,477 |
| Net loans and leases to core deposits | 87.8647% | 3,385 |
| Total domestic deposits to total assets | 88.7989% | 1,508 |
| Equity capital to assets | 8.7259% | 5,973 |
| Core capital (leverage) ratio | 8.2765% | 5,915 |
| Tier 1 risk-based capital ratio | 12.5152% | 4,970 |
| Total risk-based capital ratio | 13.7701% | 4,938 |
| Memoranda: | ||
| Average total assets | $248,417,250 | 2,591 |
| Average earning assets | $232,974,250 | 2,531 |
| Average equity | $20,827,250 | 3,069 |
| Average total loans | $192,640,500 | 2,264 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0805% | 789 |
| Cost of funding earning assets | 1.8072% | 1,614 |
| Net interest margin | 4.2733% | 1,876 |
| Noninterest income to average assets | 0.8326% | 1,958 |
| Noninterest expense to average assets | 2.9033% | 4,063 |
| Loan and lease loss provision to assets | 0.4442% | 3,099 |
| Net operating income to assets | 1.1092% | 1,821 |
| Return on assets (ROA) | 1.1242% | 1,842 |
| Pretax return on assets | 1.5118% | 1,527 |
| Return on Equity (ROE) | 13.5957% | 1,118 |
| Retained earnings to average equity (ytd only) | 8.0969% | 1,410 |
| Net charge-offs to loans | 0.4038% | 3,368 |
| Credit loss provision to net charge-offs | 141.3882% | 2,823 |
| Earnings coverage of net charge-offs (x) | 6.1620% | 2,516 |
| Efficiency ratio | 59.9967% | 6,047 |
| Assets per employee ($millions) | 3.2535% | 5,544 |
| Cash dividends to net income (ytd only)* | 40.4454% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 4,640 |
| Loan loss allowance to noncurrent loans | 265.1020% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0881% | 4,958 |
| Noncurrent loans to loans | 0.5120% | 6,229 |
| Net loans and leases to total assets | 75.3715% | 1,614 |
| Net loans and leases to deposits | 84.5142% | 2,789 |
| Net loans and leases to core deposits | 88.3935% | 3,498 |
| Total domestic deposits to total assets | 89.1821% | 1,332 |
| Equity capital to assets | 8.3060% | 6,420 |
| Core capital (leverage) ratio | 7.9995% | 6,277 |
| Tier 1 risk-based capital ratio | 12.6893% | 4,698 |
| Total risk-based capital ratio | 13.9443% | 4,666 |
| Memoranda: | ||
| Average total assets | $247,648,000 | 2,624 |
| Average earning assets | $232,185,000 | 2,565 |
| Average equity | $20,477,000 | 3,110 |
| Average total loans | $192,682,000 | 2,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0995% | 779 |
| Cost of funding earning assets | 1.8690% | 1,571 |
| Net interest margin | 4.2305% | 1,927 |
| Noninterest income to average assets | 0.8107% | 1,970 |
| Noninterest expense to average assets | 2.8837% | 4,125 |
| Loan and lease loss provision to assets | 0.4874% | 2,551 |
| Net operating income to assets | 1.0544% | 1,991 |
| Return on assets (ROA) | 1.0544% | 2,052 |
| Pretax return on assets | 1.4037% | 1,770 |
| Return on Equity (ROE) | 12.7809% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.7809% | 652 |
| Net charge-offs to loans | 0.3725% | 2,927 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 2,219 |
| Efficiency ratio | 60.3947% | 6,097 |
| Assets per employee ($millions) | 3.1940% | 5,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,809 |
| Loan loss allowance to noncurrent loans | 152.3838% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2560% | 4,663 |
| Noncurrent loans to loans | 0.8686% | 5,580 |
| Net loans and leases to total assets | 76.5195% | 1,430 |
| Net loans and leases to deposits | 85.7278% | 2,639 |
| Net loans and leases to core deposits | 88.9852% | 3,499 |
| Total domestic deposits to total assets | 89.2586% | 1,393 |
| Equity capital to assets | 8.2977% | 6,303 |
| Core capital (leverage) ratio | 8.0616% | 6,145 |
| Tier 1 risk-based capital ratio | 12.0828% | 5,104 |
| Total risk-based capital ratio | 13.3368% | 5,070 |
| Memoranda: | ||
| Average total assets | $246,212,500 | 2,688 |
| Average earning assets | $230,706,500 | 2,639 |
| Average equity | $20,311,500 | 3,169 |
| Average total loans | $193,314,000 | 2,341 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4596% | 727 |
| Cost of funding earning assets | 2.4985% | 1,028 |
| Net interest margin | 3.9611% | 3,024 |
| Noninterest income to average assets | 0.8756% | 2,047 |
| Noninterest expense to average assets | 2.9421% | 4,373 |
| Loan and lease loss provision to assets | 0.3814% | 4,500 |
| Net operating income to assets | 0.9697% | 1,943 |
| Return on assets (ROA) | 0.9697% | 2,000 |
| Pretax return on assets | 1.2697% | 1,781 |
| Return on Equity (ROE) | 12.0153% | 1,161 |
| Retained earnings to average equity (ytd only) | 8.0715% | 680 |
| Net charge-offs to loans | 0.2297% | 5,174 |
| Credit loss provision to net charge-offs | 213.7767% | 1,796 |
| Earnings coverage of net charge-offs (x) | 9.2542% | 1,827 |
| Efficiency ratio | 64.0524% | 5,770 |
| Assets per employee ($millions) | 3.1192% | 5,948 |
| Cash dividends to net income (ytd only)* | 32.8234% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 4,986 |
| Loan loss allowance to noncurrent loans | 102.0938% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 4,539 |
| Noncurrent loans to loans | 1.2345% | 4,888 |
| Net loans and leases to total assets | 78.5055% | 1,284 |
| Net loans and leases to deposits | 87.8605% | 2,581 |
| Net loans and leases to core deposits | 112.7875% | 2,617 |
| Total domestic deposits to total assets | 89.3524% | 1,295 |
| Equity capital to assets | 8.2003% | 6,344 |
| Core capital (leverage) ratio | 7.8968% | 6,326 |
| Tier 1 risk-based capital ratio | 11.6738% | 5,225 |
| Total risk-based capital ratio | 12.9268% | 5,177 |
| Memoranda: | ||
| Average total assets | $235,952,600 | 2,758 |
| Average earning assets | $221,452,600 | 2,685 |
| Average equity | $19,042,400 | 3,340 |
| Average total loans | $183,322,400 | 2,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4863% | 770 |
| Cost of funding earning assets | 2.6121% | 1,001 |
| Net interest margin | 3.8742% | 3,327 |
| Noninterest income to average assets | 0.8639% | 2,129 |
| Noninterest expense to average assets | 2.9284% | 4,320 |
| Loan and lease loss provision to assets | 0.3559% | 4,190 |
| Net operating income to assets | 0.9357% | 2,285 |
| Return on assets (ROA) | 0.9357% | 2,350 |
| Pretax return on assets | 1.2193% | 2,204 |
| Return on Equity (ROE) | 11.6427% | 1,457 |
| Retained earnings to average equity (ytd only) | 8.5390% | 961 |
| Net charge-offs to loans | 0.1586% | 5,119 |
| Credit loss provision to net charge-offs | 290.6977% | 1,430 |
| Earnings coverage of net charge-offs (x) | 12.8651% | 1,721 |
| Efficiency ratio | 65.0228% | 5,546 |
| Assets per employee ($millions) | 3.3148% | 5,356 |
| Cash dividends to net income (ytd only)* | 26.6588% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,835 |
| Loan loss allowance to noncurrent loans | 109.7776% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 4,586 |
| Noncurrent loans to loans | 1.1385% | 5,042 |
| Net loans and leases to total assets | 78.4314% | 1,496 |
| Net loans and leases to deposits | 89.1957% | 2,746 |
| Net loans and leases to core deposits | 113.8511% | 2,840 |
| Total domestic deposits to total assets | 87.9319% | 1,691 |
| Equity capital to assets | 8.3109% | 6,494 |
| Core capital (leverage) ratio | 7.9020% | 6,499 |
| Tier 1 risk-based capital ratio | 12.0904% | 4,886 |
| Total risk-based capital ratio | 13.3432% | 4,833 |
| Memoranda: | ||
| Average total assets | $234,117,000 | 2,792 |
| Average earning assets | $219,945,000 | 2,721 |
| Average equity | $18,815,250 | 3,399 |
| Average total loans | $180,793,500 | 2,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4475% | 919 |
| Cost of funding earning assets | 2.7003% | 1,027 |
| Net interest margin | 3.7472% | 3,764 |
| Noninterest income to average assets | 0.8134% | 2,347 |
| Noninterest expense to average assets | 2.9673% | 4,220 |
| Loan and lease loss provision to assets | 0.3654% | 3,740 |
| Net operating income to assets | 0.7790% | 2,940 |
| Return on assets (ROA) | 0.7790% | 3,036 |
| Pretax return on assets | 1.0017% | 3,005 |
| Return on Equity (ROE) | 9.8077% | 2,086 |
| Retained earnings to average equity (ytd only) | 5.0662% | 2,472 |
| Net charge-offs to loans | 0.1822% | 4,427 |
| Credit loss provision to net charge-offs | 262.3457% | 1,782 |
| Earnings coverage of net charge-offs (x) | 9.8148% | 2,072 |
| Efficiency ratio | 68.4586% | 5,080 |
| Assets per employee ($millions) | 3.2950% | 5,335 |
| Cash dividends to net income (ytd only)* | 48.3444% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 4,842 |
| Loan loss allowance to noncurrent loans | 144.7557% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 4,957 |
| Noncurrent loans to loans | 0.8384% | 5,545 |
| Net loans and leases to total assets | 76.2403% | 2,128 |
| Net loans and leases to deposits | 84.5372% | 3,787 |
| Net loans and leases to core deposits | 107.8454% | 3,628 |
| Total domestic deposits to total assets | 90.1855% | 753 |
| Equity capital to assets | 7.8532% | 6,907 |
| Core capital (leverage) ratio | 7.6293% | 6,859 |
| Tier 1 risk-based capital ratio | 11.5636% | 5,319 |
| Total risk-based capital ratio | 12.7683% | 5,287 |
| Memoranda: | ||
| Average total assets | $232,602,000 | 2,831 |
| Average earning assets | $218,566,000 | 2,757 |
| Average equity | $18,475,330 | 3,472 |
| Average total loans | $177,873,000 | 2,604 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 1,030 |
| Cost of funding earning assets | 2.7221% | 1,198 |
| Net interest margin | 3.6967% | 3,903 |
| Noninterest income to average assets | 0.7295% | 2,708 |
| Noninterest expense to average assets | 2.9598% | 3,941 |
| Loan and lease loss provision to assets | 0.3474% | 3,239 |
| Net operating income to assets | 0.7035% | 3,541 |
| Return on assets (ROA) | 0.7035% | 3,729 |
| Pretax return on assets | 0.8946% | 3,740 |
| Return on Equity (ROE) | 8.8055% | 2,793 |
| Retained earnings to average equity (ytd only) | 7.7184% | 1,918 |
| Net charge-offs to loans | 0.1096% | 4,097 |
| Credit loss provision to net charge-offs | 416.6667% | 1,264 |
| Earnings coverage of net charge-offs (x) | 14.8958% | 1,638 |
| Efficiency ratio | 70.4423% | 4,486 |
| Assets per employee ($millions) | 3.2535% | 5,446 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,865 |
| Loan loss allowance to noncurrent loans | 161.5149% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.9216% | 4,887 |
| Noncurrent loans to loans | 0.7377% | 5,585 |
| Net loans and leases to total assets | 74.7347% | 2,568 |
| Net loans and leases to deposits | 82.9180% | 4,145 |
| Net loans and leases to core deposits | 105.5357% | 3,968 |
| Total domestic deposits to total assets | 90.1308% | 735 |
| Equity capital to assets | 7.9521% | 6,883 |
| Core capital (leverage) ratio | 7.8459% | 6,699 |
| Tier 1 risk-based capital ratio | 12.1743% | 4,809 |
| Total risk-based capital ratio | 13.4264% | 4,703 |
| Memoranda: | ||
| Average total assets | $230,282,000 | 2,872 |
| Average earning assets | $216,301,000 | 2,806 |
| Average equity | $18,397,500 | 3,500 |
| Average total loans | $175,261,500 | 2,649 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0517% | 1,006 |
| Cost of funding earning assets | 3.0221% | 1,793 |
| Net interest margin | 4.0296% | 2,980 |
| Noninterest income to average assets | 0.8868% | 2,017 |
| Noninterest expense to average assets | 3.0244% | 3,989 |
| Loan and lease loss provision to assets | 0.3382% | 3,689 |
| Net operating income to assets | 0.9535% | 2,772 |
| Return on assets (ROA) | 0.9535% | 2,637 |
| Pretax return on assets | 1.2540% | 2,465 |
| Return on Equity (ROE) | 11.7119% | 1,680 |
| Retained earnings to average equity (ytd only) | 6.8243% | 1,212 |
| Net charge-offs to loans | 0.2272% | 3,966 |
| Credit loss provision to net charge-offs | 197.0109% | 2,485 |
| Earnings coverage of net charge-offs (x) | 9.2745% | 2,717 |
| Efficiency ratio | 65.5113% | 5,220 |
| Assets per employee ($millions) | 3.1432% | 5,642 |
| Cash dividends to net income (ytd only)* | 41.7319% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 5,061 |
| Loan loss allowance to noncurrent loans | 151.1574% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9845% | 4,369 |
| Noncurrent loans to loans | 0.7477% | 5,157 |
| Net loans and leases to total assets | 75.7298% | 2,700 |
| Net loans and leases to deposits | 84.3479% | 4,375 |
| Net loans and leases to core deposits | 108.3742% | 3,927 |
| Total domestic deposits to total assets | 89.7826% | 727 |
| Equity capital to assets | 8.0275% | 6,807 |
| Core capital (leverage) ratio | 7.9623% | 6,550 |
| Tier 1 risk-based capital ratio | 11.6061% | 5,151 |
| Total risk-based capital ratio | 12.8565% | 5,042 |
| Memoranda: | ||
| Average total assets | $214,359,800 | 2,948 |
| Average earning assets | $198,405,200 | 2,911 |
| Average equity | $17,452,400 | 3,656 |
| Average total loans | $161,995,400 | 2,746 |