Home > The Farmers National Bank of Danville > Performance and Condition Ratios
The Farmers National Bank of Danville, 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 | 4.9615% | 2,150 |
| Cost of funding earning assets | 1.3572% | 2,336 |
| Net interest margin | 3.6043% | 1,956 |
| Noninterest income to average assets | 1.4600% | 399 |
| Noninterest expense to average assets | 3.1413% | 894 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.2519% | 1,534 |
| Return on assets (ROA) | 1.2007% | 1,623 |
| Pretax return on assets | 1.5262% | 1,364 |
| Return on Equity (ROE) | 16.8000% | 977 |
| Retained earnings to average equity (ytd only) | 11.9950% | 634 |
| Net charge-offs to loans | 0.0658% | 1,191 |
| Credit loss provision to net charge-offs | 237.2208% | 1,110 |
| Earnings coverage of net charge-offs (x) | 39.5335% | 1,455 |
| Efficiency ratio | 64.4173% | 2,559 |
| Assets per employee ($millions) | 5.1785% | 3,495 |
| Cash dividends to net income (ytd only)* | 28.5960% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 1,550 |
| Loan loss allowance to noncurrent loans | 268.3711% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 1,596 |
| Noncurrent loans to loans | 0.5063% | 1,518 |
| Net loans and leases to total assets | 66.4200% | 2,209 |
| Net loans and leases to deposits | 72.5087% | 2,728 |
| Net loans and leases to core deposits | 82.2121% | 2,574 |
| Total domestic deposits to total assets | 91.6100% | 373 |
| Equity capital to assets | 7.4508% | 3,746 |
| Core capital (leverage) ratio | 8.9054% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5794% | 2,033 |
| Memoranda: | ||
| Average total assets | $918,882,600 | 1,063 |
| Average earning assets | $869,595,000 | 1,032 |
| Average equity | $65,677,400 | 1,309 |
| Average total loans | $612,446,400 | 1,077 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 2,079 |
| Cost of funding earning assets | 1.2212% | 2,367 |
| Net interest margin | 3.6692% | 1,843 |
| Noninterest income to average assets | 1.4600% | 401 |
| Noninterest expense to average assets | 3.1154% | 910 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.3188% | 1,502 |
| Return on assets (ROA) | 1.3188% | 1,484 |
| Pretax return on assets | 1.6608% | 1,238 |
| Return on Equity (ROE) | 18.6600% | 861 |
| Retained earnings to average equity (ytd only) | 13.5858% | 727 |
| Net charge-offs to loans | 0.0455% | 1,238 |
| Credit loss provision to net charge-offs | 312.1359% | 858 |
| Earnings coverage of net charge-offs (x) | 59.9903% | 1,206 |
| Efficiency ratio | 63.1964% | 2,595 |
| Assets per employee ($millions) | 4.8656% | 3,697 |
| Cash dividends to net income (ytd only)* | 27.1908% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 1,597 |
| Loan loss allowance to noncurrent loans | 252.8070% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 1,501 |
| Noncurrent loans to loans | 0.5404% | 1,476 |
| Net loans and leases to total assets | 70.1000% | 1,818 |
| Net loans and leases to deposits | 76.2446% | 2,392 |
| Net loans and leases to core deposits | 86.4025% | 2,165 |
| Total domestic deposits to total assets | 91.9400% | 464 |
| Equity capital to assets | 6.9962% | 3,610 |
| Core capital (leverage) ratio | 8.9945% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5214% | 2,071 |
| Memoranda: | ||
| Average total assets | $909,099,750 | 1,077 |
| Average earning assets | $859,892,500 | 1,041 |
| Average equity | $64,251,750 | 1,316 |
| Average total loans | $604,281,250 | 1,084 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 2,178 |
| Cost of funding earning assets | 1.0149% | 2,552 |
| Net interest margin | 3.7011% | 1,810 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 3.1462% | 845 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.2780% | 1,625 |
| Return on assets (ROA) | 1.2780% | 1,616 |
| Pretax return on assets | 1.6104% | 1,391 |
| Return on Equity (ROE) | 18.0200% | 954 |
| Retained earnings to average equity (ytd only) | 13.3551% | 760 |
| Net charge-offs to loans | 0.0636% | 921 |
| Credit loss provision to net charge-offs | 340.2116% | 796 |
| Earnings coverage of net charge-offs (x) | 43.0635% | 1,366 |
| Efficiency ratio | 63.8522% | 2,502 |
| Assets per employee ($millions) | 5.0056% | 3,598 |
| Cash dividends to net income (ytd only)* | 25.9019% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,570 |
| Loan loss allowance to noncurrent loans | 274.1772% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3431% | 1,543 |
| Noncurrent loans to loans | 0.5065% | 1,446 |
| Net loans and leases to total assets | 66.8000% | 2,079 |
| Net loans and leases to deposits | 72.6979% | 2,597 |
| Net loans and leases to core deposits | 80.1078% | 2,467 |
| Total domestic deposits to total assets | 91.8800% | 439 |
| Equity capital to assets | 7.2070% | 3,687 |
| Core capital (leverage) ratio | 8.7863% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3730% | 2,145 |
| Memoranda: | ||
| Average total assets | $915,328,667 | 1,064 |
| Average earning assets | $866,725,000 | 1,029 |
| Average equity | $64,904,000 | 1,307 |
| Average total loans | $594,764,333 | 1,085 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6072% | 2,070 |
| Cost of funding earning assets | 0.8944% | 2,386 |
| Net interest margin | 3.7128% | 1,872 |
| Noninterest income to average assets | 1.3800% | 362 |
| Noninterest expense to average assets | 3.1602% | 848 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2349% | 1,834 |
| Return on assets (ROA) | 1.2349% | 1,807 |
| Pretax return on assets | 1.5505% | 1,575 |
| Return on Equity (ROE) | 17.5600% | 1,090 |
| Retained earnings to average equity (ytd only) | 13.0099% | 1,094 |
| Net charge-offs to loans | 0.0448% | 908 |
| Credit loss provision to net charge-offs | 453.8462% | 581 |
| Earnings coverage of net charge-offs (x) | 60.9538% | 1,008 |
| Efficiency ratio | 64.4616% | 2,395 |
| Assets per employee ($millions) | 4.8594% | 3,757 |
| Cash dividends to net income (ytd only)* | 25.9141% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,538 |
| Loan loss allowance to noncurrent loans | 265.7953% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 1,424 |
| Noncurrent loans to loans | 0.5347% | 1,383 |
| Net loans and leases to total assets | 66.5500% | 2,004 |
| Net loans and leases to deposits | 72.5966% | 2,415 |
| Net loans and leases to core deposits | 75.7977% | 2,548 |
| Total domestic deposits to total assets | 91.6700% | 600 |
| Equity capital to assets | 7.4636% | 3,582 |
| Core capital (leverage) ratio | 8.4180% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3892% | 2,223 |
| Memoranda: | ||
| Average total assets | $912,478,500 | 1,083 |
| Average earning assets | $863,607,000 | 1,050 |
| Average equity | $64,166,500 | 1,329 |
| Average total loans | $580,207,000 | 1,112 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 2,508 |
| Cost of funding earning assets | 0.3438% | 2,529 |
| Net interest margin | 3.3632% | 2,372 |
| Noninterest income to average assets | 1.4200% | 369 |
| Noninterest expense to average assets | 3.0458% | 902 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 1.0991% | 2,174 |
| Return on assets (ROA) | 1.0991% | 2,110 |
| Pretax return on assets | 1.3771% | 1,837 |
| Return on Equity (ROE) | 15.4800% | 1,147 |
| Retained earnings to average equity (ytd only) | 11.2154% | 839 |
| Net charge-offs to loans | 0.0532% | 1,135 |
| Credit loss provision to net charge-offs | 581.3620% | 619 |
| Earnings coverage of net charge-offs (x) | 50.3477% | 1,356 |
| Efficiency ratio | 66.0663% | 2,222 |
| Assets per employee ($millions) | 5.1647% | 3,540 |
| Cash dividends to net income (ytd only)* | 27.5285% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,684 |
| Loan loss allowance to noncurrent loans | 256.2102% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,597 |
| Noncurrent loans to loans | 0.5272% | 1,394 |
| Net loans and leases to total assets | 59.1400% | 2,717 |
| Net loans and leases to deposits | 63.9444% | 3,049 |
| Net loans and leases to core deposits | 66.6435% | 3,085 |
| Total domestic deposits to total assets | 92.4900% | 523 |
| Equity capital to assets | 6.6384% | 3,844 |
| Core capital (leverage) ratio | 7.9966% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7173% | 2,083 |
| Memoranda: | ||
| Average total assets | $902,273,400 | 1,076 |
| Average earning assets | $854,655,600 | 1,054 |
| Average equity | $64,081,600 | 1,333 |
| Average total loans | $524,415,000 | 1,140 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 2,721 |
| Cost of funding earning assets | 0.2417% | 2,797 |
| Net interest margin | 3.2255% | 2,549 |
| Noninterest income to average assets | 1.4300% | 373 |
| Noninterest expense to average assets | 3.0083% | 894 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.0566% | 2,266 |
| Return on assets (ROA) | 1.0566% | 2,228 |
| Pretax return on assets | 1.3204% | 1,980 |
| Return on Equity (ROE) | 14.6200% | 1,253 |
| Retained earnings to average equity (ytd only) | 10.2559% | 1,272 |
| Net charge-offs to loans | 0.0498% | 987 |
| Credit loss provision to net charge-offs | 545.3125% | 580 |
| Earnings coverage of net charge-offs (x) | 51.4375% | 1,269 |
| Efficiency ratio | 66.9579% | 2,159 |
| Assets per employee ($millions) | 4.9319% | 3,734 |
| Cash dividends to net income (ytd only)* | 29.8655% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,014 |
| Loan loss allowance to noncurrent loans | 225.1728% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3545% | 1,530 |
| Noncurrent loans to loans | 0.5788% | 1,385 |
| Net loans and leases to total assets | 60.4500% | 2,452 |
| Net loans and leases to deposits | 65.1735% | 2,776 |
| Net loans and leases to core deposits | 65.5104% | 2,984 |
| Total domestic deposits to total assets | 92.7600% | 645 |
| Equity capital to assets | 6.3158% | 3,833 |
| Core capital (leverage) ratio | 8.0542% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6957% | 2,175 |
| Memoranda: | ||
| Average total assets | $891,557,250 | 1,090 |
| Average earning assets | $844,627,250 | 1,068 |
| Average equity | $64,416,500 | 1,343 |
| Average total loans | $513,863,500 | 1,152 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 2,954 |
| Cost of funding earning assets | 0.1501% | 3,576 |
| Net interest margin | 3.0800% | 2,602 |
| Noninterest income to average assets | 1.4378% | 353 |
| Noninterest expense to average assets | 3.0582% | 778 |
| Loan and lease loss provision to assets | 0.1473% | 651 |
| Net operating income to assets | 0.9313% | 2,439 |
| Return on assets (ROA) | 0.9313% | 2,419 |
| Pretax return on assets | 1.1530% | 2,232 |
| Return on Equity (ROE) | 12.3657% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.1413% | 1,567 |
| Net charge-offs to loans | 0.0406% | 982 |
| Credit loss provision to net charge-offs | 642.1569% | 542 |
| Earnings coverage of net charge-offs (x) | 56.6961% | 1,100 |
| Efficiency ratio | 70.0490% | 1,950 |
| Assets per employee ($millions) | 4.8555% | 3,807 |
| Cash dividends to net income (ytd only)* | 34.1622% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,204 |
| Loan loss allowance to noncurrent loans | 216.4301% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 1,562 |
| Noncurrent loans to loans | 0.5994% | 1,413 |
| Net loans and leases to total assets | 59.0908% | 2,431 |
| Net loans and leases to deposits | 64.8375% | 2,654 |
| Net loans and leases to core deposits | 65.1839% | 2,883 |
| Total domestic deposits to total assets | 91.1369% | 1,168 |
| Equity capital to assets | 6.9142% | 3,813 |
| Core capital (leverage) ratio | 7.9838% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7868% | 2,164 |
| Memoranda: | ||
| Average total assets | $889,540,667 | 1,087 |
| Average earning assets | $843,498,000 | 1,072 |
| Average equity | $66,991,667 | 1,327 |
| Average total loans | $501,886,333 | 1,167 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 3,186 |
| Cost of funding earning assets | 0.1233% | 3,861 |
| Net interest margin | 2.8992% | 2,841 |
| Noninterest income to average assets | 1.4293% | 373 |
| Noninterest expense to average assets | 3.0652% | 730 |
| Loan and lease loss provision to assets | 0.0502% | 1,469 |
| Net operating income to assets | 0.8691% | 2,422 |
| Return on assets (ROA) | 0.8691% | 2,411 |
| Pretax return on assets | 1.0649% | 2,247 |
| Return on Equity (ROE) | 11.0900% | 1,592 |
| Retained earnings to average equity (ytd only) | 6.5430% | 2,059 |
| Net charge-offs to loans | -0.0360% | 4,152 |
| Credit loss provision to net charge-offs | -254.5455% | 3,019 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2068% | 1,829 |
| Assets per employee ($millions) | 4.8251% | 3,900 |
| Cash dividends to net income (ytd only)* | 41.0005% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,311 |
| Loan loss allowance to noncurrent loans | 177.9307% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 1,467 |
| Noncurrent loans to loans | 0.7360% | 1,293 |
| Net loans and leases to total assets | 55.4898% | 2,580 |
| Net loans and leases to deposits | 61.2827% | 2,777 |
| Net loans and leases to core deposits | 61.6140% | 3,009 |
| Total domestic deposits to total assets | 90.5472% | 1,268 |
| Equity capital to assets | 7.4937% | 3,939 |
| Core capital (leverage) ratio | 7.8604% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2799% | 2,084 |
| Memoranda: | ||
| Average total assets | $892,459,000 | 1,090 |
| Average earning assets | $846,844,000 | 1,075 |
| Average equity | $69,937,000 | 1,333 |
| Average total loans | $488,304,000 | 1,178 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 3,303 |
| Cost of funding earning assets | 0.1480% | 3,996 |
| Net interest margin | 3.1203% | 2,842 |
| Noninterest income to average assets | 1.5245% | 489 |
| Noninterest expense to average assets | 3.1971% | 732 |
| Loan and lease loss provision to assets | 0.0706% | 1,671 |
| Net operating income to assets | 0.9731% | 2,784 |
| Return on assets (ROA) | 0.9731% | 2,847 |
| Pretax return on assets | 1.2167% | 2,609 |
| Return on Equity (ROE) | 11.1493% | 2,108 |
| Retained earnings to average equity (ytd only) | 7.7261% | 1,650 |
| Net charge-offs to loans | 0.0402% | 1,451 |
| Credit loss provision to net charge-offs | 309.5238% | 1,043 |
| Earnings coverage of net charge-offs (x) | 56.4233% | 1,223 |
| Efficiency ratio | 71.1728% | 1,594 |
| Assets per employee ($millions) | 4.9821% | 3,748 |
| Cash dividends to net income (ytd only)* | 30.7034% | 2,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 2,323 |
| Loan loss allowance to noncurrent loans | 166.9754% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4168% | 1,570 |
| Noncurrent loans to loans | 0.7826% | 1,302 |
| Net loans and leases to total assets | 52.5546% | 3,005 |
| Net loans and leases to deposits | 58.4822% | 3,205 |
| Net loans and leases to core deposits | 58.8197% | 3,405 |
| Total domestic deposits to total assets | 89.8641% | 1,021 |
| Equity capital to assets | 8.1684% | 4,259 |
| Core capital (leverage) ratio | 7.9430% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3794% | 2,087 |
| Memoranda: | ||
| Average total assets | $828,403,600 | 1,124 |
| Average earning assets | $785,821,000 | 1,105 |
| Average equity | $72,300,200 | 1,315 |
| Average total loans | $470,011,800 | 1,220 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3330% | 3,301 |
| Cost of funding earning assets | 0.1571% | 4,041 |
| Net interest margin | 3.1759% | 2,809 |
| Noninterest income to average assets | 1.5354% | 529 |
| Noninterest expense to average assets | 3.1967% | 712 |
| Loan and lease loss provision to assets | 0.0857% | 1,390 |
| Net operating income to assets | 1.0222% | 2,828 |
| Return on assets (ROA) | 1.0222% | 2,894 |
| Pretax return on assets | 1.2645% | 2,719 |
| Return on Equity (ROE) | 11.5057% | 2,212 |
| Retained earnings to average equity (ytd only) | 8.0452% | 2,042 |
| Net charge-offs to loans | 0.0551% | 1,101 |
| Credit loss provision to net charge-offs | 269.4301% | 1,054 |
| Earnings coverage of net charge-offs (x) | 42.4404% | 1,330 |
| Efficiency ratio | 70.1809% | 1,583 |
| Assets per employee ($millions) | 4.4618% | 4,151 |
| Cash dividends to net income (ytd only)* | 30.0758% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 2,349 |
| Loan loss allowance to noncurrent loans | 159.0064% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4850% | 1,570 |
| Noncurrent loans to loans | 0.8355% | 1,369 |
| Net loans and leases to total assets | 56.1556% | 2,712 |
| Net loans and leases to deposits | 63.1487% | 2,940 |
| Net loans and leases to core deposits | 63.5757% | 3,177 |
| Total domestic deposits to total assets | 88.9260% | 1,324 |
| Equity capital to assets | 8.9283% | 3,898 |
| Core capital (leverage) ratio | 8.1918% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8395% | 2,032 |
| Memoranda: | ||
| Average total assets | $808,816,750 | 1,152 |
| Average earning assets | $766,977,250 | 1,136 |
| Average equity | $71,858,500 | 1,338 |
| Average total loans | $466,802,500 | 1,249 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 3,495 |
| Cost of funding earning assets | 0.1681% | 4,058 |
| Net interest margin | 3.1062% | 3,015 |
| Noninterest income to average assets | 1.5399% | 524 |
| Noninterest expense to average assets | 3.2059% | 710 |
| Loan and lease loss provision to assets | 0.0809% | 1,503 |
| Net operating income to assets | 0.9708% | 3,000 |
| Return on assets (ROA) | 0.9708% | 3,081 |
| Pretax return on assets | 1.1971% | 2,920 |
| Return on Equity (ROE) | 10.9452% | 2,441 |
| Retained earnings to average equity (ytd only) | 7.4643% | 2,267 |
| Net charge-offs to loans | 0.0567% | 1,053 |
| Credit loss provision to net charge-offs | 246.2121% | 968 |
| Earnings coverage of net charge-offs (x) | 38.8864% | 1,183 |
| Efficiency ratio | 71.3699% | 1,491 |
| Assets per employee ($millions) | 4.3991% | 4,186 |
| Cash dividends to net income (ytd only)* | 31.8030% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,415 |
| Loan loss allowance to noncurrent loans | 132.6455% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 1,423 |
| Noncurrent loans to loans | 0.9836% | 1,253 |
| Net loans and leases to total assets | 57.3867% | 2,740 |
| Net loans and leases to deposits | 64.6250% | 2,935 |
| Net loans and leases to core deposits | 65.1364% | 3,185 |
| Total domestic deposits to total assets | 88.7995% | 1,388 |
| Equity capital to assets | 9.0052% | 3,793 |
| Core capital (leverage) ratio | 8.0539% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7488% | 2,073 |
| Memoranda: | ||
| Average total assets | $803,279,333 | 1,153 |
| Average earning assets | $761,319,667 | 1,135 |
| Average equity | $71,245,667 | 1,337 |
| Average total loans | $465,814,667 | 1,252 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1561% | 3,765 |
| Cost of funding earning assets | 0.1784% | 4,094 |
| Net interest margin | 2.9776% | 3,319 |
| Noninterest income to average assets | 1.4830% | 614 |
| Noninterest expense to average assets | 3.2378% | 672 |
| Loan and lease loss provision to assets | 0.0648% | 1,842 |
| Net operating income to assets | 0.8215% | 3,351 |
| Return on assets (ROA) | 0.8215% | 3,426 |
| Pretax return on assets | 1.0005% | 3,369 |
| Return on Equity (ROE) | 9.3343% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.7943% | 2,966 |
| Net charge-offs to loans | 0.0121% | 1,509 |
| Credit loss provision to net charge-offs | 928.5714% | 434 |
| Earnings coverage of net charge-offs (x) | 152.6429% | 485 |
| Efficiency ratio | 75.1158% | 1,209 |
| Assets per employee ($millions) | 4.4447% | 4,154 |
| Cash dividends to net income (ytd only)* | 37.9248% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,482 |
| Loan loss allowance to noncurrent loans | 110.0365% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 1,360 |
| Noncurrent loans to loans | 1.1726% | 1,132 |
| Net loans and leases to total assets | 56.7169% | 2,954 |
| Net loans and leases to deposits | 63.6010% | 3,165 |
| Net loans and leases to core deposits | 64.1173% | 3,402 |
| Total domestic deposits to total assets | 89.1761% | 1,253 |
| Equity capital to assets | 8.6487% | 3,999 |
| Core capital (leverage) ratio | 8.0964% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8722% | 1,939 |
| Memoranda: | ||
| Average total assets | $802,401,500 | 1,136 |
| Average earning assets | $759,934,500 | 1,126 |
| Average equity | $70,621,000 | 1,340 |
| Average total loans | $464,677,000 | 1,252 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 2,910 |
| Cost of funding earning assets | 0.3171% | 4,045 |
| Net interest margin | 3.6199% | 2,075 |
| Noninterest income to average assets | 1.4985% | 539 |
| Noninterest expense to average assets | 3.6405% | 570 |
| Loan and lease loss provision to assets | 0.2668% | 1,449 |
| Net operating income to assets | 0.8906% | 2,736 |
| Return on assets (ROA) | 0.8906% | 2,872 |
| Pretax return on assets | 1.0038% | 3,036 |
| Return on Equity (ROE) | 9.4767% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.8074% | 1,896 |
| Net charge-offs to loans | 0.1024% | 1,443 |
| Credit loss provision to net charge-offs | 400.8547% | 1,429 |
| Earnings coverage of net charge-offs (x) | 19.0919% | 1,999 |
| Efficiency ratio | 73.9989% | 1,442 |
| Assets per employee ($millions) | 4.3013% | 4,118 |
| Cash dividends to net income (ytd only)* | 38.7195% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,513 |
| Loan loss allowance to noncurrent loans | 134.7460% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5891% | 1,788 |
| Noncurrent loans to loans | 0.9500% | 1,490 |
| Net loans and leases to total assets | 57.6286% | 3,133 |
| Net loans and leases to deposits | 65.0231% | 3,359 |
| Net loans and leases to core deposits | 65.5789% | 3,573 |
| Total domestic deposits to total assets | 88.6279% | 1,155 |
| Equity capital to assets | 8.9580% | 4,094 |
| Core capital (leverage) ratio | 8.2297% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6862% | 1,980 |
| Memoranda: | ||
| Average total assets | $703,259,000 | 1,177 |
| Average earning assets | $662,967,200 | 1,160 |
| Average equity | $66,088,400 | 1,359 |
| Average total loans | $456,891,600 | 1,214 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 2,882 |
| Cost of funding earning assets | 0.3604% | 4,002 |
| Net interest margin | 3.6715% | 2,031 |
| Noninterest income to average assets | 1.5012% | 518 |
| Noninterest expense to average assets | 3.7137% | 518 |
| Loan and lease loss provision to assets | 0.3369% | 1,147 |
| Net operating income to assets | 0.7774% | 3,177 |
| Return on assets (ROA) | 0.7774% | 3,290 |
| Pretax return on assets | 0.9082% | 3,362 |
| Return on Equity (ROE) | 8.1617% | 2,742 |
| Retained earnings to average equity (ytd only) | 4.4117% | 2,846 |
| Net charge-offs to loans | 0.1173% | 1,188 |
| Credit loss provision to net charge-offs | 429.1771% | 1,407 |
| Earnings coverage of net charge-offs (x) | 15.8628% | 2,084 |
| Efficiency ratio | 74.7582% | 1,333 |
| Assets per employee ($millions) | 3.9824% | 4,322 |
| Cash dividends to net income (ytd only)* | 45.9466% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,829 |
| Loan loss allowance to noncurrent loans | 149.0788% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 0.5526% | 2,063 |
| Noncurrent loans to loans | 0.7860% | 1,856 |
| Net loans and leases to total assets | 67.0564% | 2,380 |
| Net loans and leases to deposits | 76.3468% | 2,714 |
| Net loans and leases to core deposits | 77.0932% | 3,088 |
| Total domestic deposits to total assets | 87.8313% | 1,294 |
| Equity capital to assets | 9.4200% | 3,752 |
| Core capital (leverage) ratio | 8.1664% | 4,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0316% | 2,187 |
| Memoranda: | ||
| Average total assets | $681,216,250 | 1,192 |
| Average earning assets | $641,496,000 | 1,173 |
| Average equity | $64,886,500 | 1,358 |
| Average total loans | $455,613,500 | 1,210 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1235% | 2,984 |
| Cost of funding earning assets | 0.4207% | 3,948 |
| Net interest margin | 3.7028% | 2,148 |
| Noninterest income to average assets | 1.4921% | 473 |
| Noninterest expense to average assets | 3.8224% | 490 |
| Loan and lease loss provision to assets | 0.2036% | 2,017 |
| Net operating income to assets | 0.8063% | 3,028 |
| Return on assets (ROA) | 0.8063% | 3,139 |
| Pretax return on assets | 0.9469% | 3,188 |
| Return on Equity (ROE) | 8.4306% | 2,589 |
| Retained earnings to average equity (ytd only) | 4.6515% | 2,638 |
| Net charge-offs to loans | 0.1050% | 1,232 |
| Credit loss provision to net charge-offs | 291.3793% | 1,644 |
| Earnings coverage of net charge-offs (x) | 16.4655% | 1,858 |
| Efficiency ratio | 76.7246% | 1,190 |
| Assets per employee ($millions) | 3.9685% | 4,345 |
| Cash dividends to net income (ytd only)* | 44.8263% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,478 |
| Loan loss allowance to noncurrent loans | 129.5133% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 2,235 |
| Noncurrent loans to loans | 0.7869% | 1,923 |
| Net loans and leases to total assets | 64.4402% | 2,827 |
| Net loans and leases to deposits | 73.0119% | 3,161 |
| Net loans and leases to core deposits | 73.8868% | 3,470 |
| Total domestic deposits to total assets | 88.2599% | 1,056 |
| Equity capital to assets | 9.1333% | 3,974 |
| Core capital (leverage) ratio | 8.3421% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1176% | 2,130 |
| Memoranda: | ||
| Average total assets | $664,035,667 | 1,195 |
| Average earning assets | $624,234,333 | 1,180 |
| Average equity | $63,506,667 | 1,373 |
| Average total loans | $441,755,667 | 1,226 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,898 |
| Cost of funding earning assets | 0.5132% | 3,878 |
| Net interest margin | 3.7967% | 1,986 |
| Noninterest income to average assets | 1.6250% | 347 |
| Noninterest expense to average assets | 4.0783% | 466 |
| Loan and lease loss provision to assets | 0.1451% | 1,941 |
| Net operating income to assets | 0.8347% | 2,774 |
| Return on assets (ROA) | 0.8347% | 2,862 |
| Pretax return on assets | 0.9688% | 2,938 |
| Return on Equity (ROE) | 8.4983% | 2,313 |
| Retained earnings to average equity (ytd only) | 4.5760% | 2,468 |
| Net charge-offs to loans | 0.0353% | 1,709 |
| Credit loss provision to net charge-offs | 610.8108% | 785 |
| Earnings coverage of net charge-offs (x) | 46.8919% | 942 |
| Efficiency ratio | 78.4098% | 1,288 |
| Assets per employee ($millions) | 3.5158% | 4,469 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,350 |
| Loan loss allowance to noncurrent loans | 123.4552% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,264 |
| Noncurrent loans to loans | 0.8678% | 1,881 |
| Net loans and leases to total assets | 65.5956% | 2,861 |
| Net loans and leases to deposits | 74.9253% | 3,176 |
| Net loans and leases to core deposits | 75.9889% | 3,494 |
| Total domestic deposits to total assets | 87.5481% | 1,306 |
| Equity capital to assets | 9.6774% | 4,062 |
| Core capital (leverage) ratio | 9.4692% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2335% | 2,185 |
| Memoranda: | ||
| Average total assets | $623,011,000 | 1,225 |
| Average earning assets | $585,346,500 | 1,219 |
| Average equity | $61,189,000 | 1,402 |
| Average total loans | $419,769,000 | 1,247 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5411% | 2,805 |
| Cost of funding earning assets | 0.5141% | 4,030 |
| Net interest margin | 4.0271% | 1,765 |
| Noninterest income to average assets | 1.7424% | 324 |
| Noninterest expense to average assets | 4.2534% | 396 |
| Loan and lease loss provision to assets | 0.1229% | 1,724 |
| Net operating income to assets | 0.9944% | 2,866 |
| Return on assets (ROA) | 1.0085% | 2,905 |
| Pretax return on assets | 1.1735% | 2,935 |
| Return on Equity (ROE) | 9.1198% | 2,698 |
| Retained earnings to average equity (ytd only) | -6.4520% | 5,015 |
| Net charge-offs to loans | 0.1504% | 1,321 |
| Credit loss provision to net charge-offs | 114.8829% | 2,187 |
| Earnings coverage of net charge-offs (x) | 11.9632% | 2,452 |
| Efficiency ratio | 76.7234% | 1,295 |
| Assets per employee ($millions) | 3.2685% | 4,668 |
| Cash dividends to net income (ytd only)* | 170.7469% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,823 |
| Loan loss allowance to noncurrent loans | 123.3105% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6247% | 2,020 |
| Noncurrent loans to loans | 0.9108% | 1,688 |
| Net loans and leases to total assets | 67.8177% | 2,705 |
| Net loans and leases to deposits | 78.2375% | 2,981 |
| Net loans and leases to core deposits | 79.6441% | 3,325 |
| Total domestic deposits to total assets | 86.6818% | 1,766 |
| Equity capital to assets | 9.9843% | 3,934 |
| Core capital (leverage) ratio | 9.7836% | 3,747 |
| Tier 1 risk-based capital ratio | 13.5366% | 3,502 |
| Total risk-based capital ratio | 14.6585% | 3,456 |
| Memoranda: | ||
| Average total assets | $558,940,200 | 1,292 |
| Average earning assets | $526,166,400 | 1,275 |
| Average equity | $61,810,600 | 1,353 |
| Average total loans | $397,711,200 | 1,271 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 2,836 |
| Cost of funding earning assets | 0.5118% | 4,091 |
| Net interest margin | 4.0576% | 1,739 |
| Noninterest income to average assets | 1.7448% | 327 |
| Noninterest expense to average assets | 4.2371% | 397 |
| Loan and lease loss provision to assets | 0.1187% | 1,646 |
| Net operating income to assets | 1.0294% | 2,863 |
| Return on assets (ROA) | 1.0482% | 2,879 |
| Pretax return on assets | 1.2302% | 2,884 |
| Return on Equity (ROE) | 9.2412% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.7727% | 3,009 |
| Net charge-offs to loans | 0.1730% | 980 |
| Credit loss provision to net charge-offs | 95.5340% | 2,337 |
| Earnings coverage of net charge-offs (x) | 10.6738% | 2,484 |
| Efficiency ratio | 76.0064% | 1,333 |
| Assets per employee ($millions) | 3.1169% | 4,824 |
| Cash dividends to net income (ytd only)* | 48.3537% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0897% | 3,081 |
| Loan loss allowance to noncurrent loans | 110.7917% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7108% | 1,928 |
| Noncurrent loans to loans | 0.9836% | 1,628 |
| Net loans and leases to total assets | 71.4847% | 2,251 |
| Net loans and leases to deposits | 84.0093% | 2,453 |
| Net loans and leases to core deposits | 87.2100% | 2,803 |
| Total domestic deposits to total assets | 85.0915% | 2,395 |
| Equity capital to assets | 11.6941% | 2,509 |
| Core capital (leverage) ratio | 11.2577% | 2,420 |
| Tier 1 risk-based capital ratio | 15.1806% | 2,767 |
| Total risk-based capital ratio | 16.2843% | 2,762 |
| Memoranda: | ||
| Average total assets | $552,411,000 | 1,306 |
| Average earning assets | $519,937,000 | 1,293 |
| Average equity | $62,659,750 | 1,333 |
| Average total loans | $396,819,250 | 1,283 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 2,831 |
| Cost of funding earning assets | 0.4961% | 4,132 |
| Net interest margin | 4.0572% | 1,732 |
| Noninterest income to average assets | 1.7080% | 330 |
| Noninterest expense to average assets | 4.2145% | 404 |
| Loan and lease loss provision to assets | 0.1079% | 1,742 |
| Net operating income to assets | 1.0283% | 2,809 |
| Return on assets (ROA) | 1.0567% | 2,759 |
| Pretax return on assets | 1.2369% | 2,795 |
| Return on Equity (ROE) | 9.4145% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.6118% | 2,461 |
| Net charge-offs to loans | 0.1520% | 1,027 |
| Credit loss provision to net charge-offs | 99.0000% | 2,020 |
| Earnings coverage of net charge-offs (x) | 12.0333% | 2,174 |
| Efficiency ratio | 76.1241% | 1,384 |
| Assets per employee ($millions) | 3.0313% | 4,885 |
| Cash dividends to net income (ytd only)* | 40.3919% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 3,066 |
| Loan loss allowance to noncurrent loans | 110.2398% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 1,882 |
| Noncurrent loans to loans | 0.9978% | 1,639 |
| Net loans and leases to total assets | 73.1411% | 2,035 |
| Net loans and leases to deposits | 85.6118% | 2,302 |
| Net loans and leases to core deposits | 87.4492% | 2,851 |
| Total domestic deposits to total assets | 85.4334% | 2,291 |
| Equity capital to assets | 11.7892% | 2,353 |
| Core capital (leverage) ratio | 11.1344% | 2,480 |
| Tier 1 risk-based capital ratio | 15.1969% | 2,756 |
| Total risk-based capital ratio | 16.3161% | 2,728 |
| Memoranda: | ||
| Average total assets | $550,571,670 | 1,312 |
| Average earning assets | $518,090,000 | 1,292 |
| Average equity | $61,798,000 | 1,336 |
| Average total loans | $394,683,000 | 1,295 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,977 |
| Cost of funding earning assets | 0.4909% | 4,099 |
| Net interest margin | 3.9766% | 1,925 |
| Noninterest income to average assets | 1.6511% | 325 |
| Noninterest expense to average assets | 4.2369% | 380 |
| Loan and lease loss provision to assets | 0.0779% | 2,126 |
| Net operating income to assets | 0.9413% | 3,081 |
| Return on assets (ROA) | 0.9413% | 3,124 |
| Pretax return on assets | 1.0819% | 3,198 |
| Return on Equity (ROE) | 8.5979% | 2,989 |
| Retained earnings to average equity (ytd only) | 4.8096% | 2,989 |
| Net charge-offs to loans | 0.0286% | 1,886 |
| Credit loss provision to net charge-offs | 385.7143% | 710 |
| Earnings coverage of net charge-offs (x) | 57.4286% | 936 |
| Efficiency ratio | 78.3480% | 1,230 |
| Assets per employee ($millions) | 2.9940% | 4,981 |
| Cash dividends to net income (ytd only)* | 44.0613% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 2,906 |
| Loan loss allowance to noncurrent loans | 111.7823% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.7224% | 1,941 |
| Noncurrent loans to loans | 1.0206% | 1,635 |
| Net loans and leases to total assets | 69.9769% | 2,485 |
| Net loans and leases to deposits | 79.5680% | 2,884 |
| Net loans and leases to core deposits | 81.5937% | 3,216 |
| Total domestic deposits to total assets | 87.9461% | 1,363 |
| Equity capital to assets | 11.0934% | 2,751 |
| Core capital (leverage) ratio | 10.9102% | 2,657 |
| Tier 1 risk-based capital ratio | 15.1358% | 2,825 |
| Total risk-based capital ratio | 16.2902% | 2,790 |
| Memoranda: | ||
| Average total assets | $554,554,500 | 1,310 |
| Average earning assets | $522,351,500 | 1,294 |
| Average equity | $60,712,500 | 1,360 |
| Average total loans | $391,383,500 | 1,309 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 2,836 |
| Cost of funding earning assets | 0.3994% | 3,992 |
| Net interest margin | 3.9779% | 2,068 |
| Noninterest income to average assets | 1.7976% | 313 |
| Noninterest expense to average assets | 4.3646% | 340 |
| Loan and lease loss provision to assets | 0.0516% | 3,150 |
| Net operating income to assets | 0.9783% | 3,105 |
| Return on assets (ROA) | 0.9876% | 3,066 |
| Pretax return on assets | 1.1388% | 3,139 |
| Return on Equity (ROE) | 8.9971% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,176 |
| Net charge-offs to loans | 0.0674% | 2,152 |
| Credit loss provision to net charge-offs | 108.4337% | 2,361 |
| Earnings coverage of net charge-offs (x) | 24.7831% | 1,795 |
| Efficiency ratio | 78.5601% | 1,081 |
| Assets per employee ($millions) | 3.1920% | 4,847 |
| Cash dividends to net income (ytd only)* | 9.6787% | 3,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 2,893 |
| Loan loss allowance to noncurrent loans | 111.9078% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,934 |
| Noncurrent loans to loans | 1.0158% | 1,604 |
| Net loans and leases to total assets | 69.5664% | 2,636 |
| Net loans and leases to deposits | 78.8961% | 3,061 |
| Net loans and leases to core deposits | 81.2476% | 3,330 |
| Total domestic deposits to total assets | 88.1747% | 1,222 |
| Equity capital to assets | 10.8013% | 2,884 |
| Core capital (leverage) ratio | 11.2024% | 2,353 |
| Tier 1 risk-based capital ratio | 15.1657% | 2,750 |
| Total risk-based capital ratio | 16.3131% | 2,734 |
| Memoranda: | ||
| Average total assets | $523,095,800 | 1,344 |
| Average earning assets | $492,699,000 | 1,334 |
| Average equity | $57,418,200 | 1,377 |
| Average total loans | $369,469,400 | 1,336 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3320% | 2,843 |
| Cost of funding earning assets | 0.3856% | 3,968 |
| Net interest margin | 3.9464% | 2,139 |
| Noninterest income to average assets | 1.8365% | 313 |
| Noninterest expense to average assets | 4.2456% | 375 |
| Loan and lease loss provision to assets | 0.0465% | 3,052 |
| Net operating income to assets | 1.0707% | 2,778 |
| Return on assets (ROA) | 1.0831% | 2,747 |
| Pretax return on assets | 1.2759% | 2,705 |
| Return on Equity (ROE) | 9.8249% | 2,699 |
| Retained earnings to average equity (ytd only) | 9.8249% | 976 |
| Net charge-offs to loans | 0.0713% | 1,820 |
| Credit loss provision to net charge-offs | 92.3077% | 2,397 |
| Earnings coverage of net charge-offs (x) | 25.9491% | 1,762 |
| Efficiency ratio | 76.2858% | 1,321 |
| Assets per employee ($millions) | 3.0364% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 2,913 |
| Loan loss allowance to noncurrent loans | 82.1181% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.0234% | 1,418 |
| Noncurrent loans to loans | 1.3989% | 1,188 |
| Net loans and leases to total assets | 72.1825% | 2,304 |
| Net loans and leases to deposits | 87.5550% | 2,207 |
| Net loans and leases to core deposits | 90.9052% | 2,571 |
| Total domestic deposits to total assets | 82.4424% | 3,477 |
| Equity capital to assets | 11.1133% | 2,555 |
| Core capital (leverage) ratio | 11.3675% | 2,273 |
| Tier 1 risk-based capital ratio | 15.4019% | 2,695 |
| Total risk-based capital ratio | 16.5674% | 2,654 |
| Memoranda: | ||
| Average total assets | $515,814,500 | 1,369 |
| Average earning assets | $485,833,750 | 1,353 |
| Average equity | $56,861,000 | 1,384 |
| Average total loans | $364,692,500 | 1,349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 2,913 |
| Cost of funding earning assets | 0.3443% | 4,111 |
| Net interest margin | 3.9145% | 2,159 |
| Noninterest income to average assets | 1.7603% | 334 |
| Noninterest expense to average assets | 4.2362% | 393 |
| Loan and lease loss provision to assets | 0.0467% | 2,968 |
| Net operating income to assets | 0.9936% | 3,054 |
| Return on assets (ROA) | 0.9936% | 3,050 |
| Pretax return on assets | 1.1607% | 3,095 |
| Return on Equity (ROE) | 9.0388% | 2,999 |
| Retained earnings to average equity (ytd only) | 9.0388% | 1,204 |
| Net charge-offs to loans | 0.0496% | 1,896 |
| Credit loss provision to net charge-offs | 134.8315% | 1,686 |
| Earnings coverage of net charge-offs (x) | 34.8427% | 1,391 |
| Efficiency ratio | 77.6482% | 1,229 |
| Assets per employee ($millions) | 3.0089% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,755 |
| Loan loss allowance to noncurrent loans | 84.2786% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.0171% | 1,479 |
| Noncurrent loans to loans | 1.4175% | 1,194 |
| Net loans and leases to total assets | 70.7607% | 2,464 |
| Net loans and leases to deposits | 84.0943% | 2,525 |
| Net loans and leases to core deposits | 90.1053% | 2,561 |
| Total domestic deposits to total assets | 84.1445% | 3,009 |
| Equity capital to assets | 11.0829% | 2,559 |
| Core capital (leverage) ratio | 11.2369% | 2,313 |
| Tier 1 risk-based capital ratio | 15.1029% | 2,826 |
| Total risk-based capital ratio | 16.2909% | 2,782 |
| Memoranda: | ||
| Average total assets | $513,664,330 | 1,376 |
| Average earning assets | $483,327,670 | 1,364 |
| Average equity | $56,467,670 | 1,390 |
| Average total loans | $359,135,000 | 1,366 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,982 |
| Cost of funding earning assets | 0.3378% | 4,084 |
| Net interest margin | 3.8331% | 2,287 |
| Noninterest income to average assets | 1.8010% | 309 |
| Noninterest expense to average assets | 4.3445% | 342 |
| Loan and lease loss provision to assets | 0.0469% | 2,830 |
| Net operating income to assets | 0.8762% | 3,382 |
| Return on assets (ROA) | 0.8762% | 3,399 |
| Pretax return on assets | 1.0107% | 3,498 |
| Return on Equity (ROE) | 8.0039% | 3,367 |
| Retained earnings to average equity (ytd only) | 8.0039% | 1,833 |
| Net charge-offs to loans | -0.0057% | 4,048 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2344% | 1,109 |
| Assets per employee ($millions) | 3.0420% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,437 |
| Loan loss allowance to noncurrent loans | 93.8763% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9378% | 1,691 |
| Noncurrent loans to loans | 1.3464% | 1,324 |
| Net loans and leases to total assets | 67.3876% | 2,838 |
| Net loans and leases to deposits | 75.9698% | 3,216 |
| Net loans and leases to core deposits | 82.6972% | 3,087 |
| Total domestic deposits to total assets | 88.7031% | 1,253 |
| Equity capital to assets | 10.8229% | 2,750 |
| Core capital (leverage) ratio | 11.0385% | 2,403 |
| Tier 1 risk-based capital ratio | 15.3383% | 2,721 |
| Total risk-based capital ratio | 16.5848% | 2,664 |
| Memoranda: | ||
| Average total assets | $511,728,000 | 1,394 |
| Average earning assets | $480,760,500 | 1,382 |
| Average equity | $56,022,500 | 1,405 |
| Average total loans | $353,382,000 | 1,385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,788 |
| Cost of funding earning assets | 0.3606% | 3,612 |
| Net interest margin | 3.8139% | 2,376 |
| Noninterest income to average assets | 1.6909% | 379 |
| Noninterest expense to average assets | 4.1767% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8477% | 2,964 |
| Return on assets (ROA) | 0.8477% | 2,988 |
| Pretax return on assets | 1.1038% | 3,172 |
| Return on Equity (ROE) | 7.4970% | 3,037 |
| Retained earnings to average equity (ytd only) | 2.8239% | 3,622 |
| Net charge-offs to loans | 0.0733% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 21.7052% | 1,886 |
| Efficiency ratio | 78.8858% | 1,240 |
| Assets per employee ($millions) | 2.9959% | 5,201 |
| Cash dividends to net income (ytd only)* | 62.3327% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,517 |
| Loan loss allowance to noncurrent loans | 112.1746% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8031% | 1,939 |
| Noncurrent loans to loans | 1.1074% | 1,595 |
| Net loans and leases to total assets | 69.0123% | 2,683 |
| Net loans and leases to deposits | 80.2693% | 2,885 |
| Net loans and leases to core deposits | 88.2663% | 2,700 |
| Total domestic deposits to total assets | 85.9759% | 2,449 |
| Equity capital to assets | 11.0752% | 2,558 |
| Core capital (leverage) ratio | 10.9184% | 2,411 |
| Tier 1 risk-based capital ratio | 15.0807% | 2,811 |
| Total risk-based capital ratio | 16.3124% | 2,755 |
| Memoranda: | ||
| Average total assets | $493,571,200 | 1,418 |
| Average earning assets | $464,536,800 | 1,400 |
| Average equity | $55,809,000 | 1,395 |
| Average total loans | $342,546,000 | 1,400 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1311% | 2,871 |
| Cost of funding earning assets | 0.3476% | 3,694 |
| Net interest margin | 3.7836% | 2,463 |
| Noninterest income to average assets | 1.7610% | 379 |
| Noninterest expense to average assets | 4.1066% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9209% | 2,921 |
| Return on assets (ROA) | 0.9209% | 2,981 |
| Pretax return on assets | 1.2151% | 2,839 |
| Return on Equity (ROE) | 8.1013% | 3,080 |
| Retained earnings to average equity (ytd only) | 4.6570% | 3,110 |
| Net charge-offs to loans | 0.0577% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 30.4006% | 1,538 |
| Efficiency ratio | 76.9581% | 1,466 |
| Assets per employee ($millions) | 3.0430% | 5,229 |
| Cash dividends to net income (ytd only)* | 42.5154% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,567 |
| Loan loss allowance to noncurrent loans | 94.3187% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 1,395 |
| Noncurrent loans to loans | 1.3380% | 1,419 |
| Net loans and leases to total assets | 69.6833% | 2,609 |
| Net loans and leases to deposits | 84.2998% | 2,526 |
| Net loans and leases to core deposits | 94.5667% | 2,217 |
| Total domestic deposits to total assets | 82.6614% | 3,563 |
| Equity capital to assets | 11.2874% | 2,580 |
| Core capital (leverage) ratio | 11.1457% | 2,328 |
| Tier 1 risk-based capital ratio | 14.9388% | 2,945 |
| Total risk-based capital ratio | 16.1791% | 2,874 |
| Memoranda: | ||
| Average total assets | $490,385,750 | 1,440 |
| Average earning assets | $461,494,000 | 1,421 |
| Average equity | $55,742,500 | 1,410 |
| Average total loans | $339,729,250 | 1,420 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0720% | 2,929 |
| Cost of funding earning assets | 0.3433% | 3,651 |
| Net interest margin | 3.7287% | 2,551 |
| Noninterest income to average assets | 1.8518% | 356 |
| Noninterest expense to average assets | 4.0822% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9644% | 2,588 |
| Return on assets (ROA) | 0.9644% | 2,643 |
| Pretax return on assets | 1.2821% | 2,456 |
| Return on Equity (ROE) | 8.4638% | 2,796 |
| Retained earnings to average equity (ytd only) | 5.3365% | 2,508 |
| Net charge-offs to loans | 0.0419% | 2,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 44.4571% | 1,169 |
| Efficiency ratio | 75.8928% | 1,739 |
| Assets per employee ($millions) | 2.9720% | 5,296 |
| Cash dividends to net income (ytd only)* | 36.9500% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,294 |
| Loan loss allowance to noncurrent loans | 96.7653% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2370% | 1,367 |
| Noncurrent loans to loans | 1.3697% | 1,413 |
| Net loans and leases to total assets | 69.0676% | 2,657 |
| Net loans and leases to deposits | 80.7998% | 2,829 |
| Net loans and leases to core deposits | 91.4247% | 2,381 |
| Total domestic deposits to total assets | 85.4799% | 2,621 |
| Equity capital to assets | 11.4862% | 2,330 |
| Core capital (leverage) ratio | 11.1066% | 2,307 |
| Tier 1 risk-based capital ratio | 15.2893% | 2,806 |
| Total risk-based capital ratio | 16.5400% | 2,738 |
| Memoranda: | ||
| Average total assets | $485,468,330 | 1,458 |
| Average earning assets | $457,320,000 | 1,433 |
| Average equity | $55,317,670 | 1,425 |
| Average total loans | $334,140,330 | 1,442 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0231% | 2,950 |
| Cost of funding earning assets | 0.3427% | 3,604 |
| Net interest margin | 3.6805% | 2,560 |
| Noninterest income to average assets | 1.8516% | 347 |
| Noninterest expense to average assets | 4.1360% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9038% | 2,739 |
| Return on assets (ROA) | 0.9038% | 2,796 |
| Pretax return on assets | 1.1862% | 2,648 |
| Return on Equity (ROE) | 7.9645% | 2,940 |
| Retained earnings to average equity (ytd only) | 7.9645% | 1,475 |
| Net charge-offs to loans | 0.0243% | 2,274 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 712 |
| Efficiency ratio | 77.4934% | 1,699 |
| Assets per employee ($millions) | 2.9789% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 2,154 |
| Loan loss allowance to noncurrent loans | 90.2987% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 1,261 |
| Noncurrent loans to loans | 1.5308% | 1,289 |
| Net loans and leases to total assets | 67.9702% | 2,690 |
| Net loans and leases to deposits | 79.4637% | 2,817 |
| Net loans and leases to core deposits | 89.3216% | 2,417 |
| Total domestic deposits to total assets | 85.5362% | 2,871 |
| Equity capital to assets | 11.4045% | 2,251 |
| Core capital (leverage) ratio | 11.3563% | 2,054 |
| Tier 1 risk-based capital ratio | 15.7679% | 2,635 |
| Total risk-based capital ratio | 17.0194% | 2,581 |
| Memoranda: | ||
| Average total assets | $481,524,500 | 1,469 |
| Average earning assets | $454,074,500 | 1,445 |
| Average equity | $54,642,500 | 1,432 |
| Average total loans | $328,547,500 | 1,466 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 3,341 |
| Cost of funding earning assets | 0.3784% | 3,224 |
| Net interest margin | 3.5826% | 3,128 |
| Noninterest income to average assets | 1.8359% | 385 |
| Noninterest expense to average assets | 3.7700% | 805 |
| Loan and lease loss provision to assets | -0.0214% | 5,525 |
| Net operating income to assets | 1.0948% | 1,921 |
| Return on assets (ROA) | 1.0948% | 2,016 |
| Pretax return on assets | 1.4702% | 1,681 |
| Return on Equity (ROE) | 9.6244% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.6244% | 474 |
| Net charge-offs to loans | 0.1268% | 1,976 |
| Credit loss provision to net charge-offs | -25.3165% | 4,776 |
| Earnings coverage of net charge-offs (x) | 17.1747% | 2,067 |
| Efficiency ratio | 72.0126% | 2,588 |
| Assets per employee ($millions) | 2.9474% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,908 |
| Loan loss allowance to noncurrent loans | 93.2010% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 1,303 |
| Noncurrent loans to loans | 1.5464% | 1,287 |
| Net loans and leases to total assets | 66.5535% | 2,995 |
| Net loans and leases to deposits | 77.7721% | 3,128 |
| Net loans and leases to core deposits | 85.3668% | 2,897 |
| Total domestic deposits to total assets | 85.5750% | 2,794 |
| Equity capital to assets | 11.2902% | 2,333 |
| Core capital (leverage) ratio | 11.2461% | 2,127 |
| Tier 1 risk-based capital ratio | 16.2961% | 2,430 |
| Total risk-based capital ratio | 17.5486% | 2,365 |
| Memoranda: | ||
| Average total assets | $468,228,600 | 1,457 |
| Average earning assets | $442,131,800 | 1,438 |
| Average equity | $53,260,400 | 1,444 |
| Average total loans | $311,479,000 | 1,473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9488% | 3,431 |
| Cost of funding earning assets | 0.3811% | 3,215 |
| Net interest margin | 3.5677% | 3,202 |
| Noninterest income to average assets | 1.8521% | 389 |
| Noninterest expense to average assets | 3.6793% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1432% | 1,838 |
| Return on assets (ROA) | 1.1432% | 1,941 |
| Pretax return on assets | 1.5433% | 1,564 |
| Return on Equity (ROE) | 10.0315% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.0315% | 570 |
| Net charge-offs to loans | 0.1049% | 1,896 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 22.1936% | 1,774 |
| Efficiency ratio | 70.2247% | 2,853 |
| Assets per employee ($millions) | 3.0397% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,623 |
| Loan loss allowance to noncurrent loans | 97.2989% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 1,341 |
| Noncurrent loans to loans | 1.5865% | 1,367 |
| Net loans and leases to total assets | 65.8955% | 3,141 |
| Net loans and leases to deposits | 83.4751% | 2,547 |
| Net loans and leases to core deposits | 88.3906% | 2,724 |
| Total domestic deposits to total assets | 78.9403% | 4,735 |
| Equity capital to assets | 11.6901% | 2,363 |
| Core capital (leverage) ratio | 11.0218% | 2,430 |
| Tier 1 risk-based capital ratio | 16.2559% | 2,525 |
| Total risk-based capital ratio | 17.5095% | 2,474 |
| Memoranda: | ||
| Average total assets | $465,914,500 | 1,466 |
| Average earning assets | $440,162,000 | 1,449 |
| Average equity | $53,098,250 | 1,454 |
| Average total loans | $308,741,250 | 1,489 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9151% | 3,558 |
| Cost of funding earning assets | 0.3863% | 3,189 |
| Net interest margin | 3.5288% | 3,375 |
| Noninterest income to average assets | 1.8473% | 391 |
| Noninterest expense to average assets | 3.6705% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1206% | 1,884 |
| Return on assets (ROA) | 1.1206% | 1,995 |
| Pretax return on assets | 1.5096% | 1,642 |
| Return on Equity (ROE) | 9.9198% | 2,085 |
| Retained earnings to average equity (ytd only) | 9.9198% | 614 |
| Net charge-offs to loans | 0.0248% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 623 |
| Efficiency ratio | 70.6319% | 2,886 |
| Assets per employee ($millions) | 3.0908% | 5,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,474 |
| Loan loss allowance to noncurrent loans | 108.7114% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 1,524 |
| Noncurrent loans to loans | 1.4892% | 1,470 |
| Net loans and leases to total assets | 65.5893% | 3,141 |
| Net loans and leases to deposits | 79.5003% | 3,000 |
| Net loans and leases to core deposits | 84.3681% | 3,048 |
| Total domestic deposits to total assets | 82.5020% | 3,842 |
| Equity capital to assets | 11.5266% | 2,517 |
| Core capital (leverage) ratio | 10.9242% | 2,515 |
| Tier 1 risk-based capital ratio | 16.0782% | 2,606 |
| Total risk-based capital ratio | 17.3332% | 2,549 |
| Memoranda: | ||
| Average total assets | $463,154,330 | 1,484 |
| Average earning assets | $437,433,330 | 1,462 |
| Average equity | $52,319,670 | 1,479 |
| Average total loans | $305,864,330 | 1,503 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 3,670 |
| Cost of funding earning assets | 0.3898% | 3,189 |
| Net interest margin | 3.4882% | 3,514 |
| Noninterest income to average assets | 1.8495% | 382 |
| Noninterest expense to average assets | 3.7557% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0386% | 2,125 |
| Return on assets (ROA) | 1.0386% | 2,249 |
| Pretax return on assets | 1.3817% | 1,955 |
| Return on Equity (ROE) | 9.2922% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.2922% | 1,029 |
| Net charge-offs to loans | 0.0398% | 2,201 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 52.7667% | 849 |
| Efficiency ratio | 72.8678% | 2,663 |
| Assets per employee ($millions) | 3.0575% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 1,442 |
| Loan loss allowance to noncurrent loans | 111.9580% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 1,259 |
| Noncurrent loans to loans | 1.4868% | 1,586 |
| Net loans and leases to total assets | 65.4115% | 3,044 |
| Net loans and leases to deposits | 78.2706% | 2,975 |
| Net loans and leases to core deposits | 83.3020% | 3,005 |
| Total domestic deposits to total assets | 83.5709% | 3,687 |
| Equity capital to assets | 11.2465% | 2,683 |
| Core capital (leverage) ratio | 10.9182% | 2,477 |
| Tier 1 risk-based capital ratio | 16.6809% | 2,404 |
| Total risk-based capital ratio | 17.9372% | 2,346 |
| Memoranda: | ||
| Average total assets | $458,287,500 | 1,496 |
| Average earning assets | $431,974,000 | 1,474 |
| Average equity | $51,225,500 | 1,498 |
| Average total loans | $301,162,500 | 1,515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 3,662 |
| Cost of funding earning assets | 0.4345% | 2,795 |
| Net interest margin | 3.4771% | 3,608 |
| Noninterest income to average assets | 1.8674% | 396 |
| Noninterest expense to average assets | 3.7028% | 975 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0773% | 2,016 |
| Return on assets (ROA) | 1.0773% | 2,089 |
| Pretax return on assets | 1.4303% | 1,791 |
| Return on Equity (ROE) | 9.5839% | 2,187 |
| Retained earnings to average equity (ytd only) | 3.5827% | 3,506 |
| Net charge-offs to loans | 0.1460% | 1,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 15.0378% | 2,237 |
| Efficiency ratio | 71.8954% | 2,925 |
| Assets per employee ($millions) | 2.9732% | 5,543 |
| Cash dividends to net income (ytd only)* | 62.6174% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 1,258 |
| Loan loss allowance to noncurrent loans | 109.5908% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6540% | 1,180 |
| Noncurrent loans to loans | 1.5893% | 1,446 |
| Net loans and leases to total assets | 63.7684% | 3,318 |
| Net loans and leases to deposits | 74.5009% | 3,436 |
| Net loans and leases to core deposits | 76.3217% | 3,726 |
| Total domestic deposits to total assets | 85.5942% | 2,821 |
| Equity capital to assets | 11.1077% | 2,721 |
| Core capital (leverage) ratio | 10.8771% | 2,522 |
| Tier 1 risk-based capital ratio | 16.1040% | 2,645 |
| Total risk-based capital ratio | 17.3602% | 2,586 |
| Memoranda: | ||
| Average total assets | $444,741,400 | 1,506 |
| Average earning assets | $417,699,800 | 1,479 |
| Average equity | $49,990,200 | 1,491 |
| Average total loans | $289,627,000 | 1,507 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9212% | 3,681 |
| Cost of funding earning assets | 0.4510% | 2,673 |
| Net interest margin | 3.4703% | 3,665 |
| Noninterest income to average assets | 1.8516% | 399 |
| Noninterest expense to average assets | 3.7174% | 955 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0514% | 2,212 |
| Return on assets (ROA) | 1.0514% | 2,307 |
| Pretax return on assets | 1.3918% | 2,051 |
| Return on Equity (ROE) | 9.3253% | 2,404 |
| Retained earnings to average equity (ytd only) | 1.3024% | 5,197 |
| Net charge-offs to loans | 0.0675% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 31.6167% | 1,447 |
| Efficiency ratio | 72.5170% | 2,788 |
| Assets per employee ($millions) | 2.9649% | 5,586 |
| Cash dividends to net income (ytd only)* | 86.0338% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 1,188 |
| Loan loss allowance to noncurrent loans | 115.7659% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.6839% | 1,288 |
| Noncurrent loans to loans | 1.5906% | 1,561 |
| Net loans and leases to total assets | 65.3886% | 3,094 |
| Net loans and leases to deposits | 80.2587% | 2,853 |
| Net loans and leases to core deposits | 82.4479% | 3,207 |
| Total domestic deposits to total assets | 81.4723% | 4,340 |
| Equity capital to assets | 11.1828% | 2,812 |
| Core capital (leverage) ratio | 10.7184% | 2,802 |
| Tier 1 risk-based capital ratio | 15.8368% | 2,876 |
| Total risk-based capital ratio | 17.0943% | 2,809 |
| Memoranda: | ||
| Average total assets | $442,203,500 | 1,523 |
| Average earning assets | $415,097,750 | 1,498 |
| Average equity | $49,855,750 | 1,500 |
| Average total loans | $288,228,750 | 1,516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8791% | 3,777 |
| Cost of funding earning assets | 0.4709% | 2,507 |
| Net interest margin | 3.4081% | 3,884 |
| Noninterest income to average assets | 1.9048% | 396 |
| Noninterest expense to average assets | 3.7057% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0571% | 2,112 |
| Return on assets (ROA) | 1.0571% | 2,223 |
| Pretax return on assets | 1.3994% | 1,980 |
| Return on Equity (ROE) | 9.3508% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.3508% | 819 |
| Net charge-offs to loans | 0.0811% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.6810% | 1,474 |
| Efficiency ratio | 72.3497% | 2,955 |
| Assets per employee ($millions) | 2.8854% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 1,147 |
| Loan loss allowance to noncurrent loans | 115.1522% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 1,377 |
| Noncurrent loans to loans | 1.6568% | 1,578 |
| Net loans and leases to total assets | 64.3021% | 3,227 |
| Net loans and leases to deposits | 78.6076% | 2,959 |
| Net loans and leases to core deposits | 81.0901% | 3,273 |
| Total domestic deposits to total assets | 81.8014% | 4,358 |
| Equity capital to assets | 11.6314% | 2,309 |
| Core capital (leverage) ratio | 11.0440% | 2,382 |
| Tier 1 risk-based capital ratio | 16.8141% | 2,480 |
| Total risk-based capital ratio | 18.0721% | 2,435 |
| Memoranda: | ||
| Average total assets | $442,346,000 | 1,536 |
| Average earning assets | $415,359,330 | 1,506 |
| Average equity | $50,006,670 | 1,500 |
| Average total loans | $286,208,330 | 1,533 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 4,016 |
| Cost of funding earning assets | 0.4841% | 2,425 |
| Net interest margin | 3.3144% | 4,155 |
| Noninterest income to average assets | 1.8606% | 393 |
| Noninterest expense to average assets | 3.7920% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8993% | 2,742 |
| Return on assets (ROA) | 0.8993% | 2,870 |
| Pretax return on assets | 1.1838% | 2,733 |
| Return on Equity (ROE) | 8.0690% | 2,922 |
| Retained earnings to average equity (ytd only) | 8.0690% | 1,543 |
| Net charge-offs to loans | 0.0321% | 2,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 57.3478% | 765 |
| Efficiency ratio | 75.9560% | 2,521 |
| Assets per employee ($millions) | 2.9948% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9437% | 1,200 |
| Loan loss allowance to noncurrent loans | 113.1944% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.7262% | 1,442 |
| Noncurrent loans to loans | 1.7172% | 1,593 |
| Net loans and leases to total assets | 63.0763% | 3,225 |
| Net loans and leases to deposits | 73.9549% | 3,321 |
| Net loans and leases to core deposits | 76.1720% | 3,580 |
| Total domestic deposits to total assets | 85.2902% | 3,273 |
| Equity capital to assets | 11.3788% | 2,576 |
| Core capital (leverage) ratio | 10.7674% | 2,665 |
| Tier 1 risk-based capital ratio | 18.0498% | 2,122 |
| Total risk-based capital ratio | 19.2995% | 2,075 |
| Memoranda: | ||
| Average total assets | $445,673,000 | 1,539 |
| Average earning assets | $418,899,000 | 1,509 |
| Average equity | $49,671,500 | 1,512 |
| Average total loans | $286,508,500 | 1,535 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 3,832 |
| Cost of funding earning assets | 0.6017% | 1,745 |
| Net interest margin | 3.3700% | 4,327 |
| Noninterest income to average assets | 1.7778% | 410 |
| Noninterest expense to average assets | 3.7820% | 1,014 |
| Loan and lease loss provision to assets | -0.0564% | 6,054 |
| Net operating income to assets | 0.9445% | 2,650 |
| Return on assets (ROA) | 0.9481% | 2,727 |
| Pretax return on assets | 1.2083% | 2,620 |
| Return on Equity (ROE) | 8.0833% | 3,084 |
| Retained earnings to average equity (ytd only) | -7.7080% | 6,263 |
| Net charge-offs to loans | 0.0096% | 4,715 |
| Credit loss provision to net charge-offs | -925.9259% | 5,890 |
| Earnings coverage of net charge-offs (x) | 188.2593% | 282 |
| Efficiency ratio | 76.4722% | 2,444 |
| Assets per employee ($millions) | 2.8007% | 5,927 |
| Cash dividends to net income (ytd only)* | 195.3571% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 1,231 |
| Loan loss allowance to noncurrent loans | 106.3037% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 1,498 |
| Noncurrent loans to loans | 1.8184% | 1,577 |
| Net loans and leases to total assets | 63.0053% | 3,361 |
| Net loans and leases to deposits | 73.6040% | 3,486 |
| Net loans and leases to core deposits | 75.7825% | 3,738 |
| Total domestic deposits to total assets | 85.6004% | 3,028 |
| Equity capital to assets | 10.9143% | 2,988 |
| Core capital (leverage) ratio | 10.4983% | 2,947 |
| Tier 1 risk-based capital ratio | 16.5373% | 2,698 |
| Total risk-based capital ratio | 17.7969% | 2,639 |
| Memoranda: | ||
| Average total assets | $443,014,600 | 1,500 |
| Average earning assets | $414,299,200 | 1,483 |
| Average equity | $51,959,200 | 1,401 |
| Average total loans | $281,816,600 | 1,511 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,752 |
| Cost of funding earning assets | 0.6240% | 1,648 |
| Net interest margin | 3.3778% | 4,325 |
| Noninterest income to average assets | 1.7968% | 407 |
| Noninterest expense to average assets | 3.8103% | 961 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9094% | 2,869 |
| Return on assets (ROA) | 0.9142% | 2,948 |
| Pretax return on assets | 1.1442% | 3,015 |
| Return on Equity (ROE) | 7.6601% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.3104% | 4,264 |
| Net charge-offs to loans | 0.0214% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 83.7978% | 682 |
| Efficiency ratio | 76.7490% | 2,380 |
| Assets per employee ($millions) | 2.7218% | 6,063 |
| Cash dividends to net income (ytd only)* | 56.7845% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 1,157 |
| Loan loss allowance to noncurrent loans | 96.1998% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.0407% | 1,389 |
| Noncurrent loans to loans | 2.1367% | 1,451 |
| Net loans and leases to total assets | 63.4301% | 3,275 |
| Net loans and leases to deposits | 77.1794% | 3,051 |
| Net loans and leases to core deposits | 79.6625% | 3,355 |
| Total domestic deposits to total assets | 82.1853% | 4,417 |
| Equity capital to assets | 12.4028% | 1,769 |
| Core capital (leverage) ratio | 11.7352% | 1,880 |
| Tier 1 risk-based capital ratio | 18.5562% | 2,032 |
| Total risk-based capital ratio | 19.8170% | 1,994 |
| Memoranda: | ||
| Average total assets | $441,740,750 | 1,517 |
| Average earning assets | $412,168,750 | 1,498 |
| Average equity | $52,722,000 | 1,396 |
| Average total loans | $280,296,250 | 1,527 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0341% | 3,603 |
| Cost of funding earning assets | 0.6436% | 1,560 |
| Net interest margin | 3.3904% | 4,217 |
| Noninterest income to average assets | 1.7354% | 427 |
| Noninterest expense to average assets | 3.8948% | 857 |
| Loan and lease loss provision to assets | 0.0009% | 4,191 |
| Net operating income to assets | 0.8341% | 3,158 |
| Return on assets (ROA) | 0.8341% | 3,248 |
| Pretax return on assets | 0.9990% | 3,481 |
| Return on Equity (ROE) | 7.0795% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.7958% | 4,419 |
| Net charge-offs to loans | -0.0057% | 5,199 |
| Credit loss provision to net charge-offs | -25.0000% | 5,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3224% | 2,121 |
| Assets per employee ($millions) | 2.7970% | 6,030 |
| Cash dividends to net income (ytd only)* | 60.5078% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1287% | 1,127 |
| Loan loss allowance to noncurrent loans | 88.6801% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2288% | 1,358 |
| Noncurrent loans to loans | 2.4004% | 1,318 |
| Net loans and leases to total assets | 61.6646% | 3,456 |
| Net loans and leases to deposits | 73.6995% | 3,358 |
| Net loans and leases to core deposits | 76.1474% | 3,614 |
| Total domestic deposits to total assets | 83.6703% | 4,047 |
| Equity capital to assets | 12.2633% | 1,800 |
| Core capital (leverage) ratio | 11.4094% | 2,080 |
| Tier 1 risk-based capital ratio | 18.8125% | 1,971 |
| Total risk-based capital ratio | 20.0742% | 1,931 |
| Memoranda: | ||
| Average total assets | $443,826,330 | 1,508 |
| Average earning assets | $413,579,000 | 1,486 |
| Average equity | $52,292,000 | 1,391 |
| Average total loans | $279,720,000 | 1,524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9537% | 3,879 |
| Cost of funding earning assets | 0.6558% | 1,549 |
| Net interest margin | 3.2980% | 4,544 |
| Noninterest income to average assets | 1.6837% | 438 |
| Noninterest expense to average assets | 3.8438% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8240% | 3,038 |
| Return on assets (ROA) | 0.8240% | 3,111 |
| Pretax return on assets | 0.9098% | 3,661 |
| Return on Equity (ROE) | 7.1357% | 3,392 |
| Retained earnings to average equity (ytd only) | 2.6856% | 4,471 |
| Net charge-offs to loans | -0.1900% | 6,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5979% | 2,113 |
| Assets per employee ($millions) | 2.9153% | 5,961 |
| Cash dividends to net income (ytd only)* | 62.3644% | 1,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1302% | 1,274 |
| Loan loss allowance to noncurrent loans | 76.4194% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.4368% | 1,321 |
| Noncurrent loans to loans | 2.7875% | 1,199 |
| Net loans and leases to total assets | 61.1568% | 3,370 |
| Net loans and leases to deposits | 71.9222% | 3,347 |
| Net loans and leases to core deposits | 74.1375% | 3,629 |
| Total domestic deposits to total assets | 85.0319% | 3,848 |
| Equity capital to assets | 11.6227% | 2,153 |
| Core capital (leverage) ratio | 11.3167% | 2,120 |
| Tier 1 risk-based capital ratio | 18.2809% | 2,181 |
| Total risk-based capital ratio | 19.5426% | 2,141 |
| Memoranda: | ||
| Average total assets | $447,575,500 | 1,496 |
| Average earning assets | $416,620,000 | 1,484 |
| Average equity | $51,684,000 | 1,400 |
| Average total loans | $282,124,000 | 1,519 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,763 |
| Cost of funding earning assets | 0.7956% | 1,234 |
| Net interest margin | 3.2984% | 4,670 |
| Noninterest income to average assets | 1.5559% | 591 |
| Noninterest expense to average assets | 3.3955% | 1,891 |
| Loan and lease loss provision to assets | 0.0108% | 4,908 |
| Net operating income to assets | 0.8876% | 2,843 |
| Return on assets (ROA) | 0.8876% | 2,934 |
| Pretax return on assets | 1.1845% | 2,642 |
| Return on Equity (ROE) | 7.7963% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.4382% | 3,017 |
| Net charge-offs to loans | 0.2336% | 2,581 |
| Credit loss provision to net charge-offs | 7.5851% | 4,615 |
| Earnings coverage of net charge-offs (x) | 8.4118% | 2,677 |
| Efficiency ratio | 73.7422% | 3,172 |
| Assets per employee ($millions) | 2.8063% | 6,099 |
| Cash dividends to net income (ytd only)* | 43.0731% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0592% | 1,422 |
| Loan loss allowance to noncurrent loans | 63.0137% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7192% | 1,226 |
| Noncurrent loans to loans | 3.2678% | 1,017 |
| Net loans and leases to total assets | 62.2738% | 3,320 |
| Net loans and leases to deposits | 73.2557% | 3,364 |
| Net loans and leases to core deposits | 75.4647% | 3,668 |
| Total domestic deposits to total assets | 85.0088% | 3,746 |
| Equity capital to assets | 11.4719% | 2,189 |
| Core capital (leverage) ratio | 11.2564% | 2,153 |
| Tier 1 risk-based capital ratio | 17.7187% | 2,335 |
| Total risk-based capital ratio | 18.9793% | 2,310 |
| Memoranda: | ||
| Average total assets | $454,604,600 | 1,458 |
| Average earning assets | $418,289,000 | 1,457 |
| Average equity | $51,755,600 | 1,375 |
| Average total loans | $276,536,600 | 1,527 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,794 |
| Cost of funding earning assets | 0.8230% | 1,198 |
| Net interest margin | 3.2688% | 4,755 |
| Noninterest income to average assets | 1.5058% | 646 |
| Noninterest expense to average assets | 3.2732% | 2,133 |
| Loan and lease loss provision to assets | 0.0134% | 4,736 |
| Net operating income to assets | 0.9599% | 2,540 |
| Return on assets (ROA) | 0.9599% | 2,646 |
| Pretax return on assets | 1.2177% | 2,628 |
| Return on Equity (ROE) | 8.4472% | 2,902 |
| Retained earnings to average equity (ytd only) | 5.1074% | 3,002 |
| Net charge-offs to loans | 0.0150% | 4,828 |
| Credit loss provision to net charge-offs | 148.3871% | 1,589 |
| Earnings coverage of net charge-offs (x) | 136.0399% | 399 |
| Efficiency ratio | 72.4610% | 3,322 |
| Assets per employee ($millions) | 2.7973% | 6,160 |
| Cash dividends to net income (ytd only)* | 39.5377% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,203 |
| Loan loss allowance to noncurrent loans | 67.5034% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.8545% | 1,302 |
| Noncurrent loans to loans | 3.3866% | 1,146 |
| Net loans and leases to total assets | 62.4163% | 3,283 |
| Net loans and leases to deposits | 74.9440% | 3,095 |
| Net loans and leases to core deposits | 77.3438% | 3,450 |
| Total domestic deposits to total assets | 83.2840% | 4,469 |
| Equity capital to assets | 11.6542% | 2,169 |
| Core capital (leverage) ratio | 11.2808% | 2,216 |
| Tier 1 risk-based capital ratio | 17.8265% | 2,391 |
| Total risk-based capital ratio | 19.0901% | 2,348 |
| Memoranda: | ||
| Average total assets | $456,705,250 | 1,459 |
| Average earning assets | $418,944,500 | 1,463 |
| Average equity | $51,897,500 | 1,380 |
| Average total loans | $274,743,500 | 1,536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0918% | 3,764 |
| Cost of funding earning assets | 0.8437% | 1,180 |
| Net interest margin | 3.2481% | 4,775 |
| Noninterest income to average assets | 1.4510% | 750 |
| Noninterest expense to average assets | 3.2183% | 2,307 |
| Loan and lease loss provision to assets | 0.0104% | 4,663 |
| Net operating income to assets | 0.9311% | 2,658 |
| Return on assets (ROA) | 0.9311% | 2,790 |
| Pretax return on assets | 1.1828% | 2,752 |
| Return on Equity (ROE) | 8.2610% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.3587% | 2,835 |
| Net charge-offs to loans | -0.1058% | 6,517 |
| Credit loss provision to net charge-offs | -16.6667% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7755% | 3,345 |
| Assets per employee ($millions) | 2.8753% | 6,061 |
| Cash dividends to net income (ytd only)* | 35.1326% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 1,032 |
| Loan loss allowance to noncurrent loans | 66.3087% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.9874% | 1,362 |
| Noncurrent loans to loans | 3.7062% | 1,103 |
| Net loans and leases to total assets | 59.2250% | 3,792 |
| Net loans and leases to deposits | 69.7095% | 3,758 |
| Net loans and leases to core deposits | 72.0386% | 4,031 |
| Total domestic deposits to total assets | 84.9597% | 3,906 |
| Equity capital to assets | 11.4790% | 2,317 |
| Core capital (leverage) ratio | 10.7261% | 2,642 |
| Tier 1 risk-based capital ratio | 18.1668% | 2,265 |
| Total risk-based capital ratio | 19.4317% | 2,216 |
| Memoranda: | ||
| Average total assets | $461,616,670 | 1,437 |
| Average earning assets | $420,741,330 | 1,456 |
| Average equity | $52,027,330 | 1,381 |
| Average total loans | $272,219,330 | 1,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9251% | 4,381 |
| Cost of funding earning assets | 0.8561% | 1,227 |
| Net interest margin | 3.0690% | 5,370 |
| Noninterest income to average assets | 1.3163% | 889 |
| Noninterest expense to average assets | 3.0928% | 2,701 |
| Loan and lease loss provision to assets | 0.0127% | 4,295 |
| Net operating income to assets | 0.8042% | 3,138 |
| Return on assets (ROA) | 0.8042% | 3,271 |
| Pretax return on assets | 0.9961% | 3,368 |
| Return on Equity (ROE) | 7.1978% | 3,385 |
| Retained earnings to average equity (ytd only) | 3.9675% | 3,857 |
| Net charge-offs to loans | -0.3038% | 6,782 |
| Credit loss provision to net charge-offs | -7.2115% | 4,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3002% | 3,042 |
| Assets per employee ($millions) | 3.0784% | 5,858 |
| Cash dividends to net income (ytd only)* | 44.8786% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,186 |
| Loan loss allowance to noncurrent loans | 53.8300% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 3.7129% | 1,118 |
| Noncurrent loans to loans | 4.5432% | 912 |
| Net loans and leases to total assets | 57.1703% | 3,889 |
| Net loans and leases to deposits | 67.1050% | 3,900 |
| Net loans and leases to core deposits | 69.1749% | 4,163 |
| Total domestic deposits to total assets | 85.1952% | 3,948 |
| Equity capital to assets | 11.3494% | 2,585 |
| Core capital (leverage) ratio | 10.5072% | 2,765 |
| Tier 1 risk-based capital ratio | 17.6323% | 2,506 |
| Total risk-based capital ratio | 18.8973% | 2,468 |
| Memoranda: | ||
| Average total assets | $471,029,500 | 1,425 |
| Average earning assets | $427,501,000 | 1,437 |
| Average equity | $52,627,000 | 1,382 |
| Average total loans | $273,904,000 | 1,552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 4,872 |
| Cost of funding earning assets | 1.0778% | 994 |
| Net interest margin | 3.0447% | 5,938 |
| Noninterest income to average assets | 1.1572% | 1,166 |
| Noninterest expense to average assets | 2.9865% | 3,327 |
| Loan and lease loss provision to assets | -0.0569% | 6,874 |
| Net operating income to assets | 0.7694% | 3,417 |
| Return on assets (ROA) | 0.7698% | 3,664 |
| Pretax return on assets | 1.0160% | 3,492 |
| Return on Equity (ROE) | 7.2022% | 3,527 |
| Retained earnings to average equity (ytd only) | 4.5788% | 3,000 |
| Net charge-offs to loans | 0.1935% | 3,825 |
| Credit loss provision to net charge-offs | -50.9398% | 6,275 |
| Earnings coverage of net charge-offs (x) | 8.5771% | 2,386 |
| Efficiency ratio | 75.7042% | 2,799 |
| Assets per employee ($millions) | 3.3140% | 5,391 |
| Cash dividends to net income (ytd only)* | 36.4256% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3381% | 1,318 |
| Loan loss allowance to noncurrent loans | 54.4709% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 3.5003% | 1,293 |
| Noncurrent loans to loans | 4.2923% | 1,029 |
| Net loans and leases to total assets | 56.3592% | 4,226 |
| Net loans and leases to deposits | 66.0291% | 4,279 |
| Net loans and leases to core deposits | 67.9289% | 4,539 |
| Total domestic deposits to total assets | 85.3551% | 3,689 |
| Equity capital to assets | 11.0007% | 2,955 |
| Core capital (leverage) ratio | 10.3332% | 2,970 |
| Tier 1 risk-based capital ratio | 17.3202% | 2,516 |
| Total risk-based capital ratio | 18.5836% | 2,485 |
| Memoranda: | ||
| Average total assets | $476,069,200 | 1,393 |
| Average earning assets | $435,900,200 | 1,382 |
| Average equity | $50,887,000 | 1,396 |
| Average total loans | $274,982,600 | 1,513 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 5,156 |
| Cost of funding earning assets | 1.1404% | 896 |
| Net interest margin | 2.9678% | 6,238 |
| Noninterest income to average assets | 1.2117% | 1,021 |
| Noninterest expense to average assets | 3.0184% | 3,176 |
| Loan and lease loss provision to assets | 0.0205% | 5,539 |
| Net operating income to assets | 0.6876% | 3,964 |
| Return on assets (ROA) | 0.6883% | 4,219 |
| Pretax return on assets | 0.8911% | 4,148 |
| Return on Equity (ROE) | 6.4863% | 4,071 |
| Retained earnings to average equity (ytd only) | 3.8110% | 4,206 |
| Net charge-offs to loans | -0.0577% | 6,741 |
| Credit loss provision to net charge-offs | -61.3445% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8205% | 2,547 |
| Assets per employee ($millions) | 3.1406% | 5,761 |
| Cash dividends to net income (ytd only)* | 41.2459% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6807% | 999 |
| Loan loss allowance to noncurrent loans | 69.3859% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 3.8961% | 1,252 |
| Noncurrent loans to loans | 3.8635% | 1,347 |
| Net loans and leases to total assets | 58.4573% | 4,054 |
| Net loans and leases to deposits | 68.8584% | 4,046 |
| Net loans and leases to core deposits | 71.4512% | 4,323 |
| Total domestic deposits to total assets | 84.8949% | 3,791 |
| Equity capital to assets | 11.2656% | 2,965 |
| Core capital (leverage) ratio | 9.9933% | 3,555 |
| Tier 1 risk-based capital ratio | 16.8292% | 2,827 |
| Total risk-based capital ratio | 18.0966% | 2,768 |
| Memoranda: | ||
| Average total assets | $475,780,750 | 1,409 |
| Average earning assets | $435,643,250 | 1,404 |
| Average equity | $50,484,250 | 1,416 |
| Average total loans | $274,878,750 | 1,523 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 5,430 |
| Cost of funding earning assets | 1.1725% | 930 |
| Net interest margin | 2.8946% | 6,437 |
| Noninterest income to average assets | 1.1834% | 1,018 |
| Noninterest expense to average assets | 2.9866% | 3,308 |
| Loan and lease loss provision to assets | 0.0191% | 5,427 |
| Net operating income to assets | 0.6386% | 4,178 |
| Return on assets (ROA) | 0.6389% | 4,423 |
| Pretax return on assets | 0.8158% | 4,419 |
| Return on Equity (ROE) | 6.1430% | 4,253 |
| Retained earnings to average equity (ytd only) | 4.0300% | 3,928 |
| Net charge-offs to loans | -0.1080% | 6,874 |
| Credit loss provision to net charge-offs | -31.0811% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1590% | 2,441 |
| Assets per employee ($millions) | 3.3320% | 5,377 |
| Cash dividends to net income (ytd only)* | 34.3974% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7310% | 1,003 |
| Loan loss allowance to noncurrent loans | 64.6609% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 3.9947% | 1,278 |
| Noncurrent loans to loans | 4.2235% | 1,286 |
| Net loans and leases to total assets | 55.1988% | 4,598 |
| Net loans and leases to deposits | 64.3826% | 4,712 |
| Net loans and leases to core deposits | 67.1744% | 4,878 |
| Total domestic deposits to total assets | 85.7356% | 3,496 |
| Equity capital to assets | 10.6321% | 3,536 |
| Core capital (leverage) ratio | 9.7524% | 3,776 |
| Tier 1 risk-based capital ratio | 16.5283% | 2,901 |
| Total risk-based capital ratio | 17.7789% | 2,861 |
| Memoranda: | ||
| Average total assets | $480,483,670 | 1,398 |
| Average earning assets | $437,853,670 | 1,398 |
| Average equity | $49,975,670 | 1,420 |
| Average total loans | $274,066,670 | 1,530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 5,440 |
| Cost of funding earning assets | 1.2195% | 895 |
| Net interest margin | 2.8845% | 6,509 |
| Noninterest income to average assets | 1.1039% | 1,158 |
| Noninterest expense to average assets | 3.0115% | 3,201 |
| Loan and lease loss provision to assets | 0.0233% | 5,050 |
| Net operating income to assets | 0.5467% | 4,612 |
| Return on assets (ROA) | 0.5474% | 4,823 |
| Pretax return on assets | 0.6772% | 4,866 |
| Return on Equity (ROE) | 5.3218% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.0006% | 4,751 |
| Net charge-offs to loans | 0.1833% | 3,007 |
| Credit loss provision to net charge-offs | 22.2222% | 3,744 |
| Earnings coverage of net charge-offs (x) | 6.6746% | 2,169 |
| Efficiency ratio | 81.1477% | 2,059 |
| Assets per employee ($millions) | 3.2358% | 5,688 |
| Cash dividends to net income (ytd only)* | 43.6170% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6186% | 1,202 |
| Loan loss allowance to noncurrent loans | 56.5190% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 4.3952% | 1,227 |
| Noncurrent loans to loans | 4.6331% | 1,237 |
| Net loans and leases to total assets | 55.1037% | 4,537 |
| Net loans and leases to deposits | 63.9322% | 4,648 |
| Net loans and leases to core deposits | 66.9828% | 4,802 |
| Total domestic deposits to total assets | 86.1908% | 3,417 |
| Equity capital to assets | 10.3193% | 3,712 |
| Core capital (leverage) ratio | 9.6785% | 3,798 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,863 |
| Total risk-based capital ratio | 17.8718% | 2,814 |
| Memoranda: | ||
| Average total assets | $480,820,000 | 1,402 |
| Average earning assets | $434,602,500 | 1,411 |
| Average equity | $49,456,500 | 1,430 |
| Average total loans | $274,957,000 | 1,529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 5,299 |
| Cost of funding earning assets | 1.4034% | 1,022 |
| Net interest margin | 3.0297% | 6,484 |
| Noninterest income to average assets | 1.0371% | 1,262 |
| Noninterest expense to average assets | 3.0390% | 3,442 |
| Loan and lease loss provision to assets | 0.2159% | 4,037 |
| Net operating income to assets | 0.4322% | 4,722 |
| Return on assets (ROA) | 0.6108% | 4,129 |
| Pretax return on assets | 0.7487% | 4,159 |
| Return on Equity (ROE) | 6.2875% | 3,739 |
| Retained earnings to average equity (ytd only) | 3.3339% | 3,850 |
| Net charge-offs to loans | 0.8338% | 2,082 |
| Credit loss provision to net charge-offs | 43.2345% | 5,571 |
| Earnings coverage of net charge-offs (x) | 1.4957% | 4,648 |
| Efficiency ratio | 80.2712% | 2,267 |
| Assets per employee ($millions) | 3.1755% | 5,756 |
| Cash dividends to net income (ytd only)* | 46.9767% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6135% | 1,176 |
| Loan loss allowance to noncurrent loans | 48.6726% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 4.7434% | 1,148 |
| Noncurrent loans to loans | 5.3696% | 1,005 |
| Net loans and leases to total assets | 56.2776% | 4,656 |
| Net loans and leases to deposits | 65.4050% | 4,817 |
| Net loans and leases to core deposits | 68.5406% | 4,963 |
| Total domestic deposits to total assets | 86.0448% | 3,300 |
| Equity capital to assets | 10.2522% | 3,846 |
| Core capital (leverage) ratio | 9.5027% | 4,020 |
| Tier 1 risk-based capital ratio | 16.4052% | 2,859 |
| Total risk-based capital ratio | 17.6719% | 2,821 |
| Memoranda: | ||
| Average total assets | $492,826,200 | 1,355 |
| Average earning assets | $447,135,200 | 1,355 |
| Average equity | $47,872,400 | 1,421 |
| Average total loans | $295,143,000 | 1,440 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 5,061 |
| Cost of funding earning assets | 1.4389% | 1,072 |
| Net interest margin | 3.1170% | 6,357 |
| Noninterest income to average assets | 1.0991% | 1,100 |
| Noninterest expense to average assets | 3.0565% | 3,327 |
| Loan and lease loss provision to assets | 0.2351% | 3,658 |
| Net operating income to assets | 0.5019% | 4,542 |
| Return on assets (ROA) | 0.6197% | 4,186 |
| Pretax return on assets | 0.7863% | 4,181 |
| Return on Equity (ROE) | 6.4659% | 3,790 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,433 |
| Net charge-offs to loans | 0.8000% | 1,960 |
| Credit loss provision to net charge-offs | 48.6652% | 5,061 |
| Earnings coverage of net charge-offs (x) | 1.8053% | 4,311 |
| Efficiency ratio | 77.7975% | 2,569 |
| Assets per employee ($millions) | 3.2279% | 5,615 |
| Cash dividends to net income (ytd only)* | 4.3365% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6937% | 1,137 |
| Loan loss allowance to noncurrent loans | 52.4827% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 4.6470% | 1,280 |
| Noncurrent loans to loans | 5.1325% | 1,194 |
| Net loans and leases to total assets | 56.4392% | 4,771 |
| Net loans and leases to deposits | 68.1662% | 4,576 |
| Net loans and leases to core deposits | 71.6399% | 4,760 |
| Total domestic deposits to total assets | 82.7964% | 4,759 |
| Equity capital to assets | 10.1847% | 4,111 |
| Core capital (leverage) ratio | 9.5515% | 4,078 |
| Tier 1 risk-based capital ratio | 15.7428% | 3,256 |
| Total risk-based capital ratio | 17.0099% | 3,203 |
| Memoranda: | ||
| Average total assets | $496,156,500 | 1,350 |
| Average earning assets | $450,415,750 | 1,361 |
| Average equity | $47,550,500 | 1,439 |
| Average total loans | $299,654,750 | 1,429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 5,186 |
| Cost of funding earning assets | 1.4647% | 1,144 |
| Net interest margin | 3.0822% | 6,446 |
| Noninterest income to average assets | 1.0738% | 1,135 |
| Noninterest expense to average assets | 3.0238% | 3,548 |
| Loan and lease loss provision to assets | 0.2314% | 3,591 |
| Net operating income to assets | 0.4850% | 4,563 |
| Return on assets (ROA) | 0.6593% | 3,872 |
| Pretax return on assets | 0.8488% | 3,834 |
| Return on Equity (ROE) | 7.0249% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.0249% | 1,866 |
| Net charge-offs to loans | 0.3907% | 2,998 |
| Credit loss provision to net charge-offs | 96.8013% | 3,253 |
| Earnings coverage of net charge-offs (x) | 3.5842% | 3,120 |
| Efficiency ratio | 77.9195% | 2,725 |
| Assets per employee ($millions) | 3.2620% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9039% | 977 |
| Loan loss allowance to noncurrent loans | 45.3279% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 5.3750% | 1,108 |
| Noncurrent loans to loans | 6.4064% | 883 |
| Net loans and leases to total assets | 57.7501% | 4,676 |
| Net loans and leases to deposits | 71.4778% | 4,209 |
| Net loans and leases to core deposits | 75.3319% | 4,396 |
| Total domestic deposits to total assets | 80.7945% | 5,597 |
| Equity capital to assets | 9.7669% | 4,432 |
| Core capital (leverage) ratio | 9.3288% | 4,209 |
| Tier 1 risk-based capital ratio | 13.9144% | 4,227 |
| Total risk-based capital ratio | 15.1813% | 4,188 |
| Memoranda: | ||
| Average total assets | $496,919,330 | 1,354 |
| Average earning assets | $452,529,670 | 1,352 |
| Average equity | $46,634,330 | 1,450 |
| Average total loans | $304,056,000 | 1,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 5,436 |
| Cost of funding earning assets | 1.4962% | 1,175 |
| Net interest margin | 2.9757% | 6,620 |
| Noninterest income to average assets | 1.0899% | 1,104 |
| Noninterest expense to average assets | 2.9792% | 3,732 |
| Loan and lease loss provision to assets | 0.2218% | 3,440 |
| Net operating income to assets | 0.4528% | 4,702 |
| Return on assets (ROA) | 0.7841% | 3,178 |
| Pretax return on assets | 1.0544% | 2,925 |
| Return on Equity (ROE) | 8.5302% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.5302% | 1,547 |
| Net charge-offs to loans | 0.6878% | 1,838 |
| Credit loss provision to net charge-offs | 51.9849% | 3,712 |
| Earnings coverage of net charge-offs (x) | 1.9414% | 3,339 |
| Efficiency ratio | 78.2415% | 2,809 |
| Assets per employee ($millions) | 3.2397% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7737% | 1,138 |
| Loan loss allowance to noncurrent loans | 41.1392% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 5.5208% | 1,095 |
| Noncurrent loans to loans | 6.7422% | 852 |
| Net loans and leases to total assets | 58.5317% | 4,542 |
| Net loans and leases to deposits | 71.9638% | 4,082 |
| Net loans and leases to core deposits | 75.5855% | 4,353 |
| Total domestic deposits to total assets | 81.3349% | 5,555 |
| Equity capital to assets | 9.1714% | 4,918 |
| Core capital (leverage) ratio | 9.2017% | 4,285 |
| Tier 1 risk-based capital ratio | 14.6394% | 3,648 |
| Total risk-based capital ratio | 15.9075% | 3,598 |
| Memoranda: | ||
| Average total assets | $495,836,500 | 1,358 |
| Average earning assets | $452,870,500 | 1,368 |
| Average equity | $45,579,000 | 1,473 |
| Average total loans | $307,663,000 | 1,421 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 3,699 |
| Cost of funding earning assets | 1.7256% | 1,481 |
| Net interest margin | 3.4552% | 5,412 |
| Noninterest income to average assets | 0.9158% | 1,791 |
| Noninterest expense to average assets | 2.8981% | 4,230 |
| Loan and lease loss provision to assets | 1.0777% | 1,489 |
| Net operating income to assets | 0.1906% | 5,295 |
| Return on assets (ROA) | 0.2020% | 5,433 |
| Pretax return on assets | 0.1229% | 5,656 |
| Return on Equity (ROE) | 2.1620% | 5,326 |
| Retained earnings to average equity (ytd only) | 0.1053% | 5,531 |
| Net charge-offs to loans | 1.6594% | 1,309 |
| Credit loss provision to net charge-offs | 99.0953% | 4,668 |
| Earnings coverage of net charge-offs (x) | 1.0934% | 5,019 |
| Efficiency ratio | 70.9064% | 4,004 |
| Assets per employee ($millions) | 3.1379% | 5,800 |
| Cash dividends to net income (ytd only)* | 95.1292% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7599% | 1,104 |
| Loan loss allowance to noncurrent loans | 61.1611% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.8983% | 1,750 |
| Noncurrent loans to loans | 4.5125% | 1,568 |
| Net loans and leases to total assets | 62.1800% | 4,246 |
| Net loans and leases to deposits | 76.4951% | 3,766 |
| Net loans and leases to core deposits | 80.5639% | 4,124 |
| Total domestic deposits to total assets | 81.2862% | 5,425 |
| Equity capital to assets | 9.2138% | 4,821 |
| Core capital (leverage) ratio | 8.9122% | 4,673 |
| Tier 1 risk-based capital ratio | 14.1114% | 3,798 |
| Total risk-based capital ratio | 15.3802% | 3,740 |
| Memoranda: | ||
| Average total assets | $498,014,000 | 1,352 |
| Average earning assets | $457,109,000 | 1,339 |
| Average equity | $46,531,600 | 1,443 |
| Average total loans | $326,374,000 | 1,369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 3,653 |
| Cost of funding earning assets | 1.7590% | 1,593 |
| Net interest margin | 3.4776% | 5,382 |
| Noninterest income to average assets | 1.0458% | 1,318 |
| Noninterest expense to average assets | 3.0004% | 3,744 |
| Loan and lease loss provision to assets | 1.2042% | 1,186 |
| Net operating income to assets | 0.0283% | 5,937 |
| Return on assets (ROA) | 0.0435% | 6,030 |
| Pretax return on assets | 0.0435% | 6,015 |
| Return on Equity (ROE) | 0.4635% | 6,020 |
| Retained earnings to average equity (ytd only) | -1.5782% | 6,111 |
| Net charge-offs to loans | 2.0231% | 933 |
| Credit loss provision to net charge-offs | 90.2858% | 4,749 |
| Earnings coverage of net charge-offs (x) | 0.9240% | 5,138 |
| Efficiency ratio | 70.8842% | 3,904 |
| Assets per employee ($millions) | 3.2748% | 5,535 |
| Cash dividends to net income (ytd only)* | 440.4868% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5664% | 1,249 |
| Loan loss allowance to noncurrent loans | 69.8756% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.7910% | 2,598 |
| Noncurrent loans to loans | 3.6728% | 2,129 |
| Net loans and leases to total assets | 60.1829% | 4,876 |
| Net loans and leases to deposits | 74.1026% | 4,490 |
| Net loans and leases to core deposits | 78.8551% | 4,690 |
| Total domestic deposits to total assets | 81.2156% | 5,295 |
| Equity capital to assets | 9.0649% | 5,493 |
| Core capital (leverage) ratio | 8.6463% | 5,275 |
| Tier 1 risk-based capital ratio | 13.7002% | 4,055 |
| Total risk-based capital ratio | 14.9661% | 3,999 |
| Memoranda: | ||
| Average total assets | $500,138,500 | 1,353 |
| Average earning assets | $458,353,500 | 1,350 |
| Average equity | $46,888,750 | 1,439 |
| Average total loans | $329,712,500 | 1,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 3,262 |
| Cost of funding earning assets | 1.7716% | 1,762 |
| Net interest margin | 3.5692% | 4,952 |
| Noninterest income to average assets | 1.0389% | 1,256 |
| Noninterest expense to average assets | 2.9645% | 3,839 |
| Loan and lease loss provision to assets | 0.5259% | 2,684 |
| Net operating income to assets | 0.6542% | 3,610 |
| Return on assets (ROA) | 0.6728% | 3,668 |
| Pretax return on assets | 0.8540% | 3,687 |
| Return on Equity (ROE) | 7.0941% | 3,259 |
| Retained earnings to average equity (ytd only) | 5.0508% | 2,879 |
| Net charge-offs to loans | 2.3249% | 757 |
| Credit loss provision to net charge-offs | 33.5744% | 5,686 |
| Earnings coverage of net charge-offs (x) | 0.8660% | 4,897 |
| Efficiency ratio | 68.6078% | 4,458 |
| Assets per employee ($millions) | 3.1924% | 5,702 |
| Cash dividends to net income (ytd only)* | 28.8034% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8672% | 2,517 |
| Loan loss allowance to noncurrent loans | 40.6242% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.2413% | 2,175 |
| Noncurrent loans to loans | 4.5963% | 1,570 |
| Net loans and leases to total assets | 64.5634% | 4,144 |
| Net loans and leases to deposits | 80.8928% | 3,449 |
| Net loans and leases to core deposits | 91.6989% | 3,030 |
| Total domestic deposits to total assets | 79.8136% | 5,783 |
| Equity capital to assets | 9.6666% | 4,440 |
| Core capital (leverage) ratio | 9.2559% | 4,198 |
| Tier 1 risk-based capital ratio | 13.9542% | 3,764 |
| Total risk-based capital ratio | 15.2118% | 3,717 |
| Memoranda: | ||
| Average total assets | $494,380,330 | 1,379 |
| Average earning assets | $454,617,670 | 1,366 |
| Average equity | $46,884,000 | 1,432 |
| Average total loans | $333,084,670 | 1,370 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 3,200 |
| Cost of funding earning assets | 1.7766% | 1,989 |
| Net interest margin | 3.5918% | 4,769 |
| Noninterest income to average assets | 1.0354% | 1,192 |
| Noninterest expense to average assets | 2.9413% | 3,907 |
| Loan and lease loss provision to assets | 0.5685% | 2,219 |
| Net operating income to assets | 0.6578% | 3,627 |
| Return on assets (ROA) | 0.6578% | 3,739 |
| Pretax return on assets | 0.8519% | 3,660 |
| Return on Equity (ROE) | 7.0046% | 3,336 |
| Retained earnings to average equity (ytd only) | 4.9378% | 3,188 |
| Net charge-offs to loans | 2.2966% | 734 |
| Credit loss provision to net charge-offs | 36.3071% | 4,710 |
| Earnings coverage of net charge-offs (x) | 0.9072% | 4,233 |
| Efficiency ratio | 67.4362% | 4,828 |
| Assets per employee ($millions) | 3.2118% | 5,739 |
| Cash dividends to net income (ytd only)* | 29.5062% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 1,681 |
| Loan loss allowance to noncurrent loans | 54.8207% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.8475% | 2,540 |
| Noncurrent loans to loans | 4.0790% | 1,912 |
| Net loans and leases to total assets | 65.9405% | 3,862 |
| Net loans and leases to deposits | 87.7328% | 2,271 |
| Net loans and leases to core deposits | 97.8768% | 2,356 |
| Total domestic deposits to total assets | 75.1606% | 6,880 |
| Equity capital to assets | 9.4271% | 4,647 |
| Core capital (leverage) ratio | 9.2035% | 4,221 |
| Tier 1 risk-based capital ratio | 13.4748% | 4,000 |
| Total risk-based capital ratio | 14.7368% | 3,958 |
| Memoranda: | ||
| Average total assets | $492,563,500 | 1,417 |
| Average earning assets | $456,150,000 | 1,389 |
| Average equity | $46,255,500 | 1,457 |
| Average total loans | $335,800,500 | 1,394 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5398% | 3,930 |
| Cost of funding earning assets | 2.0474% | 2,737 |
| Net interest margin | 3.4923% | 4,992 |
| Noninterest income to average assets | 1.0712% | 1,340 |
| Noninterest expense to average assets | 2.8813% | 4,603 |
| Loan and lease loss provision to assets | 1.6087% | 1,422 |
| Net operating income to assets | -0.0046% | 5,492 |
| Return on assets (ROA) | -0.0046% | 5,544 |
| Pretax return on assets | -0.1893% | 5,693 |
| Return on Equity (ROE) | -0.0465% | 5,547 |
| Retained earnings to average equity (ytd only) | -5.2185% | 6,052 |
| Net charge-offs to loans | 0.9040% | 2,581 |
| Credit loss provision to net charge-offs | 250.6205% | 1,411 |
| Earnings coverage of net charge-offs (x) | 2.2113% | 4,064 |
| Efficiency ratio | 66.9965% | 5,188 |
| Assets per employee ($millions) | 3.1045% | 5,980 |
| Cash dividends to net income (ytd only)* | -11,118.1818% | 8,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5705% | 1,148 |
| Loan loss allowance to noncurrent loans | 74.6328% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 2.6658% | 2,634 |
| Noncurrent loans to loans | 3.4442% | 2,208 |
| Net loans and leases to total assets | 67.1342% | 3,890 |
| Net loans and leases to deposits | 90.0169% | 2,212 |
| Net loans and leases to core deposits | 120.2479% | 1,931 |
| Total domestic deposits to total assets | 74.5795% | 6,935 |
| Equity capital to assets | 9.3541% | 4,627 |
| Core capital (leverage) ratio | 8.9890% | 4,440 |
| Tier 1 risk-based capital ratio | 11.9978% | 4,946 |
| Total risk-based capital ratio | 13.2612% | 4,892 |
| Memoranda: | ||
| Average total assets | $477,034,000 | 1,453 |
| Average earning assets | $441,136,600 | 1,431 |
| Average equity | $47,293,000 | 1,419 |
| Average total loans | $338,718,000 | 1,426 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 3,951 |
| Cost of funding earning assets | 2.0970% | 2,903 |
| Net interest margin | 3.4877% | 4,907 |
| Noninterest income to average assets | 1.0781% | 1,364 |
| Noninterest expense to average assets | 2.9193% | 4,368 |
| Loan and lease loss provision to assets | 0.9027% | 2,129 |
| Net operating income to assets | 0.3626% | 4,541 |
| Return on assets (ROA) | 0.3626% | 4,644 |
| Pretax return on assets | 0.4771% | 4,589 |
| Return on Equity (ROE) | 3.6043% | 4,534 |
| Retained earnings to average equity (ytd only) | -2.5745% | 5,836 |
| Net charge-offs to loans | 0.6964% | 2,608 |
| Credit loss provision to net charge-offs | 181.1864% | 2,524 |
| Earnings coverage of net charge-offs (x) | 2.7695% | 3,846 |
| Efficiency ratio | 67.9041% | 5,001 |
| Assets per employee ($millions) | 3.0804% | 5,959 |
| Cash dividends to net income (ytd only)* | 171.4288% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6231% | 2,905 |
| Loan loss allowance to noncurrent loans | 60.0414% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 3,258 |
| Noncurrent loans to loans | 2.7032% | 2,805 |
| Net loans and leases to total assets | 68.6566% | 3,805 |
| Net loans and leases to deposits | 94.7463% | 1,757 |
| Net loans and leases to core deposits | 126.4135% | 1,701 |
| Total domestic deposits to total assets | 72.4636% | 7,154 |
| Equity capital to assets | 9.9352% | 4,164 |
| Core capital (leverage) ratio | 9.4654% | 3,957 |
| Tier 1 risk-based capital ratio | 13.7067% | 3,707 |
| Total risk-based capital ratio | 14.9615% | 3,657 |
| Memoranda: | ||
| Average total assets | $473,665,000 | 1,482 |
| Average earning assets | $437,445,500 | 1,454 |
| Average equity | $47,645,500 | 1,436 |
| Average total loans | $338,900,500 | 1,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6491% | 3,821 |
| Cost of funding earning assets | 2.1324% | 3,120 |
| Net interest margin | 3.5167% | 4,722 |
| Noninterest income to average assets | 1.0756% | 1,373 |
| Noninterest expense to average assets | 2.9605% | 4,250 |
| Loan and lease loss provision to assets | 0.5698% | 2,734 |
| Net operating income to assets | 0.6379% | 3,516 |
| Return on assets (ROA) | 0.6379% | 3,622 |
| Pretax return on assets | 0.7824% | 3,732 |
| Return on Equity (ROE) | 6.3153% | 3,516 |
| Retained earnings to average equity (ytd only) | 0.1012% | 5,164 |
| Net charge-offs to loans | 0.3673% | 3,350 |
| Credit loss provision to net charge-offs | 214.9518% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.1013% | 2,916 |
| Efficiency ratio | 68.6462% | 5,041 |
| Assets per employee ($millions) | 3.1048% | 5,855 |
| Cash dividends to net income (ytd only)* | 98.3968% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,562 |
| Loan loss allowance to noncurrent loans | 56.8395% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.9496% | 3,270 |
| Noncurrent loans to loans | 2.5178% | 2,875 |
| Net loans and leases to total assets | 69.0138% | 3,943 |
| Net loans and leases to deposits | 95.2266% | 1,917 |
| Net loans and leases to core deposits | 124.2449% | 2,002 |
| Total domestic deposits to total assets | 72.4733% | 7,194 |
| Equity capital to assets | 9.9615% | 3,995 |
| Core capital (leverage) ratio | 9.8817% | 3,416 |
| Tier 1 risk-based capital ratio | 14.3444% | 3,331 |
| Total risk-based capital ratio | 15.6812% | 3,224 |
| Memoranda: | ||
| Average total assets | $469,318,330 | 1,512 |
| Average earning assets | $432,000,330 | 1,498 |
| Average equity | $47,409,000 | 1,454 |
| Average total loans | $338,644,670 | 1,472 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6311% | 4,170 |
| Cost of funding earning assets | 2.1579% | 3,377 |
| Net interest margin | 3.4732% | 4,837 |
| Noninterest income to average assets | 1.0299% | 1,406 |
| Noninterest expense to average assets | 2.9640% | 3,919 |
| Loan and lease loss provision to assets | 0.7528% | 1,711 |
| Net operating income to assets | 0.3381% | 5,125 |
| Return on assets (ROA) | 0.3381% | 5,308 |
| Pretax return on assets | 0.5257% | 4,998 |
| Return on Equity (ROE) | 3.3236% | 5,239 |
| Retained earnings to average equity (ytd only) | -2.9092% | 6,259 |
| Net charge-offs to loans | 0.6366% | 1,903 |
| Credit loss provision to net charge-offs | 161.4391% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.7417% | 3,395 |
| Efficiency ratio | 69.8641% | 4,613 |
| Assets per employee ($millions) | 3.0456% | 6,035 |
| Cash dividends to net income (ytd only)* | 187.5318% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 4,093 |
| Loan loss allowance to noncurrent loans | 191.6957% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 6,030 |
| Noncurrent loans to loans | 0.6772% | 5,711 |
| Net loans and leases to total assets | 70.5603% | 3,561 |
| Net loans and leases to deposits | 97.4142% | 1,751 |
| Net loans and leases to core deposits | 125.4274% | 1,961 |
| Total domestic deposits to total assets | 72.4333% | 7,147 |
| Equity capital to assets | 9.9771% | 4,029 |
| Core capital (leverage) ratio | 10.0076% | 3,405 |
| Tier 1 risk-based capital ratio | 13.2106% | 4,043 |
| Total risk-based capital ratio | 14.4617% | 3,964 |
| Memoranda: | ||
| Average total assets | $464,908,000 | 1,536 |
| Average earning assets | $430,041,500 | 1,513 |
| Average equity | $47,298,500 | 1,457 |
| Average total loans | $340,580,500 | 1,475 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 3,998 |
| Cost of funding earning assets | 2.5311% | 4,043 |
| Net interest margin | 3.7618% | 4,174 |
| Noninterest income to average assets | 1.2263% | 988 |
| Noninterest expense to average assets | 2.8646% | 4,557 |
| Loan and lease loss provision to assets | 0.3680% | 3,477 |
| Net operating income to assets | 1.0659% | 2,274 |
| Return on assets (ROA) | 1.0659% | 2,186 |
| Pretax return on assets | 1.4786% | 1,742 |
| Return on Equity (ROE) | 10.3562% | 2,138 |
| Retained earnings to average equity (ytd only) | 6.5520% | 1,318 |
| Net charge-offs to loans | 0.3334% | 3,168 |
| Credit loss provision to net charge-offs | 148.7738% | 3,545 |
| Earnings coverage of net charge-offs (x) | 7.4659% | 3,102 |
| Efficiency ratio | 60.8049% | 6,200 |
| Assets per employee ($millions) | 2.7725% | 6,628 |
| Cash dividends to net income (ytd only)* | 36.7334% | 3,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,580 |
| Loan loss allowance to noncurrent loans | 249.2966% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 6,055 |
| Noncurrent loans to loans | 0.4788% | 5,914 |
| Net loans and leases to total assets | 74.2100% | 3,054 |
| Net loans and leases to deposits | 100.9402% | 1,717 |
| Net loans and leases to core deposits | 128.1240% | 1,992 |
| Total domestic deposits to total assets | 73.5188% | 6,738 |
| Equity capital to assets | 10.3792% | 3,635 |
| Core capital (leverage) ratio | 10.4062% | 3,066 |
| Tier 1 risk-based capital ratio | 13.0791% | 4,068 |
| Total risk-based capital ratio | 14.2158% | 4,055 |
| Memoranda: | ||
| Average total assets | $445,163,200 | 1,544 |
| Average earning assets | $412,384,800 | 1,519 |
| Average equity | $45,818,000 | 1,484 |
| Average total loans | $330,223,000 | 1,469 |