Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 2,618 |
| Cost of funding earning assets | 1.6138% | 2,929 |
| Net interest margin | 3.6388% | 1,994 |
| Noninterest income to average assets | 0.8300% | 770 |
| Noninterest expense to average assets | 3.0574% | 1,053 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9219% | 2,504 |
| Return on assets (ROA) | 0.9219% | 2,507 |
| Pretax return on assets | 1.0220% | 2,690 |
| Return on Equity (ROE) | 7.2500% | 3,068 |
| Retained earnings to average equity (ytd only) | -6.7981% | 4,166 |
| Net charge-offs to loans | 0.0232% | 1,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 79.4444% | 804 |
| Efficiency ratio | 74.9474% | 1,339 |
| Assets per employee ($millions) | 4.6274% | 3,866 |
| Cash dividends to net income (ytd only)* | 193.7984% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8204% | 3,820 |
| Loan loss allowance to noncurrent loans | 430.5085% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 2,985 |
| Noncurrent loans to loans | 0.1906% | 2,815 |
| Net loans and leases to total assets | 54.3900% | 3,315 |
| Net loans and leases to deposits | 62.5389% | 3,347 |
| Net loans and leases to core deposits | 67.2923% | 3,422 |
| Total domestic deposits to total assets | 86.9700% | 1,932 |
| Equity capital to assets | 12.6711% | 1,012 |
| Core capital (leverage) ratio | 15.8448% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $279,842,500 | 2,577 |
| Average earning assets | $250,085,500 | 2,622 |
| Average equity | $35,598,000 | 2,206 |
| Average total loans | $155,408,500 | 2,718 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 2,863 |
| Cost of funding earning assets | 1.6843% | 2,985 |
| Net interest margin | 3.4537% | 2,164 |
| Noninterest income to average assets | 1.4100% | 367 |
| Noninterest expense to average assets | 3.2264% | 848 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.0021% | 2,048 |
| Return on assets (ROA) | 1.0021% | 2,043 |
| Pretax return on assets | 1.2436% | 1,887 |
| Return on Equity (ROE) | 8.0600% | 2,749 |
| Retained earnings to average equity (ytd only) | 4.4776% | 2,445 |
| Net charge-offs to loans | 0.0330% | 1,911 |
| Credit loss provision to net charge-offs | 123.0769% | 1,633 |
| Earnings coverage of net charge-offs (x) | 68.3654% | 1,026 |
| Efficiency ratio | 71.8126% | 1,789 |
| Assets per employee ($millions) | 4.5478% | 3,897 |
| Cash dividends to net income (ytd only)* | 44.4365% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8198% | 3,822 |
| Loan loss allowance to noncurrent loans | 475.4647% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 3,004 |
| Noncurrent loans to loans | 0.1724% | 2,820 |
| Net loans and leases to total assets | 55.7800% | 3,280 |
| Net loans and leases to deposits | 64.2048% | 3,334 |
| Net loans and leases to core deposits | 69.6541% | 3,374 |
| Total domestic deposits to total assets | 86.8800% | 1,909 |
| Equity capital to assets | 12.7712% | 956 |
| Core capital (leverage) ratio | 16.1557% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $280,718,000 | 2,553 |
| Average earning assets | $250,661,800 | 2,588 |
| Average equity | $34,907,400 | 2,174 |
| Average total loans | $157,591,600 | 2,667 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 2,899 |
| Cost of funding earning assets | 1.6788% | 2,998 |
| Net interest margin | 3.4026% | 2,223 |
| Noninterest income to average assets | 1.5700% | 332 |
| Noninterest expense to average assets | 3.1360% | 921 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.1034% | 1,748 |
| Return on assets (ROA) | 1.1034% | 1,755 |
| Pretax return on assets | 1.4482% | 1,410 |
| Return on Equity (ROE) | 8.9300% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.1406% | 2,797 |
| Net charge-offs to loans | 0.0304% | 1,717 |
| Credit loss provision to net charge-offs | 177.7778% | 1,161 |
| Earnings coverage of net charge-offs (x) | 86.7222% | 870 |
| Efficiency ratio | 67.9598% | 2,271 |
| Assets per employee ($millions) | 4.6147% | 3,883 |
| Cash dividends to net income (ytd only)* | 53.6481% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8274% | 3,849 |
| Loan loss allowance to noncurrent loans | 931.6547% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,386 |
| Noncurrent loans to loans | 0.0888% | 3,243 |
| Net loans and leases to total assets | 55.1400% | 3,330 |
| Net loans and leases to deposits | 63.8097% | 3,377 |
| Net loans and leases to core deposits | 69.7738% | 3,402 |
| Total domestic deposits to total assets | 86.4100% | 1,793 |
| Equity capital to assets | 13.2209% | 908 |
| Core capital (leverage) ratio | 15.9737% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $281,544,250 | 2,540 |
| Average earning assets | $251,758,500 | 2,583 |
| Average equity | $34,777,000 | 2,177 |
| Average total loans | $157,984,750 | 2,664 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0434% | 2,875 |
| Cost of funding earning assets | 1.6415% | 2,991 |
| Net interest margin | 3.4019% | 2,170 |
| Noninterest income to average assets | 1.8700% | 274 |
| Noninterest expense to average assets | 3.1148% | 936 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 1.2651% | 1,336 |
| Return on assets (ROA) | 1.2651% | 1,336 |
| Pretax return on assets | 1.7822% | 869 |
| Return on Equity (ROE) | 10.4900% | 2,038 |
| Retained earnings to average equity (ytd only) | 3.1268% | 3,001 |
| Net charge-offs to loans | 0.0278% | 1,596 |
| Credit loss provision to net charge-offs | 45.4545% | 1,846 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 716 |
| Efficiency ratio | 63.5139% | 2,832 |
| Assets per employee ($millions) | 4.6584% | 3,834 |
| Cash dividends to net income (ytd only)* | 70.1853% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 3,942 |
| Loan loss allowance to noncurrent loans | 232.8386% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 2,462 |
| Noncurrent loans to loans | 0.3421% | 2,167 |
| Net loans and leases to total assets | 55.0000% | 3,340 |
| Net loans and leases to deposits | 62.8973% | 3,424 |
| Net loans and leases to core deposits | 69.0956% | 3,408 |
| Total domestic deposits to total assets | 87.4400% | 1,500 |
| Equity capital to assets | 12.1693% | 1,112 |
| Core capital (leverage) ratio | 15.6478% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $281,561,000 | 2,541 |
| Average earning assets | $250,741,333 | 2,586 |
| Average equity | $33,964,000 | 2,183 |
| Average total loans | $158,476,667 | 2,655 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9777% | 2,820 |
| Cost of funding earning assets | 1.5880% | 3,009 |
| Net interest margin | 3.3896% | 2,134 |
| Noninterest income to average assets | 1.6900% | 293 |
| Noninterest expense to average assets | 2.9910% | 1,103 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.9117% | 2,209 |
| Return on assets (ROA) | 0.9117% | 2,219 |
| Pretax return on assets | 1.6977% | 955 |
| Return on Equity (ROE) | 7.6500% | 2,795 |
| Retained earnings to average equity (ytd only) | -7.3378% | 4,217 |
| Net charge-offs to loans | 0.0528% | 1,012 |
| Credit loss provision to net charge-offs | 47.6190% | 1,401 |
| Earnings coverage of net charge-offs (x) | 57.0476% | 918 |
| Efficiency ratio | 63.5977% | 2,865 |
| Assets per employee ($millions) | 4.7225% | 3,830 |
| Cash dividends to net income (ytd only)* | 195.9248% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0157% | 3,218 |
| Loan loss allowance to noncurrent loans | 784.3902% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,170 |
| Noncurrent loans to loans | 0.1295% | 2,963 |
| Net loans and leases to total assets | 55.3000% | 3,247 |
| Net loans and leases to deposits | 62.8337% | 3,353 |
| Net loans and leases to core deposits | 68.6347% | 3,402 |
| Total domestic deposits to total assets | 88.0200% | 1,417 |
| Equity capital to assets | 11.6435% | 1,245 |
| Core capital (leverage) ratio | 15.3162% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $279,907,000 | 2,559 |
| Average earning assets | $249,112,500 | 2,601 |
| Average equity | $33,361,500 | 2,208 |
| Average total loans | $158,948,000 | 2,652 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,690 |
| Cost of funding earning assets | 1.2492% | 2,658 |
| Net interest margin | 3.4480% | 2,304 |
| Noninterest income to average assets | 1.0700% | 571 |
| Noninterest expense to average assets | 3.0342% | 1,073 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8669% | 2,645 |
| Return on assets (ROA) | 0.8669% | 2,620 |
| Pretax return on assets | 1.0672% | 2,499 |
| Return on Equity (ROE) | 7.4900% | 3,160 |
| Retained earnings to average equity (ytd only) | 3.2891% | 3,196 |
| Net charge-offs to loans | 0.0390% | 1,529 |
| Credit loss provision to net charge-offs | 50.0000% | 2,188 |
| Earnings coverage of net charge-offs (x) | 48.2742% | 1,319 |
| Efficiency ratio | 73.7778% | 1,483 |
| Assets per employee ($millions) | 4.3197% | 4,039 |
| Cash dividends to net income (ytd only)* | 56.1097% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 3,235 |
| Loan loss allowance to noncurrent loans | 233.9595% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 1,843 |
| Noncurrent loans to loans | 0.4336% | 1,699 |
| Net loans and leases to total assets | 57.1400% | 3,111 |
| Net loans and leases to deposits | 65.3177% | 3,213 |
| Net loans and leases to core deposits | 71.0048% | 3,244 |
| Total domestic deposits to total assets | 87.4800% | 1,527 |
| Equity capital to assets | 12.2009% | 1,064 |
| Core capital (leverage) ratio | 15.9112% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $277,536,800 | 2,541 |
| Average earning assets | $244,549,800 | 2,604 |
| Average equity | $32,105,800 | 2,184 |
| Average total loans | $159,009,400 | 2,608 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 11,301.0000% | 6 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,616 |
| Cost of funding earning assets | 27.0000% | 29 |
| Net interest margin | 13.0000% | 16 |
| Noninterest income to average assets | 0.0048% | 4,551 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.9853% | 2,399 |
| Pretax return on assets | 1.1648% | 2,375 |
| Return on Equity (ROE) | 8.6400% | 3,023 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0221% | 1,658 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,417 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 0.5692% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.4380% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0015% | 4,486 |
| Total domestic deposits to total assets | 4,626.0000% | 6 |
| Equity capital to assets | 4,377.0000% | 32 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $28,653,000 | 4,495 |
| Average earning assets | $1,743 | 4,615 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 11,342.0000% | 30 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,642 |
| Cost of funding earning assets | 27.0000% | 20 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0007% | 4,590 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 0.9805% | 2,465 |
| Pretax return on assets | 1.2490% | 2,228 |
| Return on Equity (ROE) | 8.5500% | 3,097 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0251% | 1,384 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,237 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | 0.7794% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.4287% | 2,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0101% | 3,714 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0014% | 4,536 |
| Total domestic deposits to total assets | 3,710.0000% | 12 |
| Equity capital to assets | 4,647.0000% | 38 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $19,605,000 | 4,576 |
| Average earning assets | $1,570 | 4,644 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 2,367 |
| Cost of funding earning assets | 1.0410% | 1,914 |
| Net interest margin | 3.4379% | 2,537 |
| Noninterest income to average assets | 1.3300% | 377 |
| Noninterest expense to average assets | 2.8554% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0032% | 2,512 |
| Return on assets (ROA) | 1.0032% | 2,482 |
| Pretax return on assets | 1.5135% | 1,645 |
| Return on Equity (ROE) | 8.7400% | 3,120 |
| Retained earnings to average equity (ytd only) | -8.2121% | 4,440 |
| Net charge-offs to loans | 0.0605% | 770 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 1,149 |
| Efficiency ratio | 65.3580% | 2,289 |
| Assets per employee ($millions) | 4.3984% | 4,078 |
| Cash dividends to net income (ytd only)* | 193.9655% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,401 |
| Loan loss allowance to noncurrent loans | 589.1304% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 2,644 |
| Noncurrent loans to loans | 0.1744% | 2,605 |
| Net loans and leases to total assets | 55.6600% | 3,059 |
| Net loans and leases to deposits | 62.9742% | 3,168 |
| Net loans and leases to core deposits | 66.5316% | 3,186 |
| Total domestic deposits to total assets | 88.3800% | 1,783 |
| Equity capital to assets | 11.3020% | 1,224 |
| Core capital (leverage) ratio | 14.9701% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $277,508,500 | 2,571 |
| Average earning assets | $245,151,500 | 2,642 |
| Average equity | $31,855,500 | 2,219 |
| Average total loans | $158,774,000 | 2,635 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 1,417 |
| Cost of funding earning assets | 0.3251% | 2,681 |
| Net interest margin | 3.8008% | 1,159 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 3.2458% | 678 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.9707% | 2,672 |
| Return on assets (ROA) | 0.9707% | 2,614 |
| Pretax return on assets | 1.2086% | 2,407 |
| Return on Equity (ROE) | 7.6400% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.2715% | 3,638 |
| Net charge-offs to loans | 0.0566% | 1,085 |
| Credit loss provision to net charge-offs | 404.7619% | 772 |
| Earnings coverage of net charge-offs (x) | 42.9286% | 1,463 |
| Efficiency ratio | 70.8653% | 1,581 |
| Assets per employee ($millions) | 4.2737% | 4,155 |
| Cash dividends to net income (ytd only)* | 57.1864% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,170 |
| Loan loss allowance to noncurrent loans | 392.8571% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 2,294 |
| Noncurrent loans to loans | 0.2637% | 2,212 |
| Net loans and leases to total assets | 57.6200% | 2,855 |
| Net loans and leases to deposits | 66.5234% | 2,856 |
| Net loans and leases to core deposits | 68.4067% | 2,984 |
| Total domestic deposits to total assets | 86.6100% | 2,531 |
| Equity capital to assets | 11.6613% | 1,031 |
| Core capital (leverage) ratio | 15.6694% | 495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $270,227,600 | 2,605 |
| Average earning assets | $239,951,200 | 2,671 |
| Average equity | $34,327,200 | 2,140 |
| Average total loans | $148,461,400 | 2,647 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 1,171 |
| Cost of funding earning assets | 0.1942% | 3,344 |
| Net interest margin | 3.8510% | 880 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 3.0625% | 838 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1249% | 1,985 |
| Return on assets (ROA) | 1.1249% | 1,955 |
| Pretax return on assets | 1.3476% | 1,894 |
| Return on Equity (ROE) | 8.6700% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.9502% | 3,783 |
| Net charge-offs to loans | 0.0576% | 901 |
| Credit loss provision to net charge-offs | 352.3810% | 746 |
| Earnings coverage of net charge-offs (x) | 46.7460% | 1,320 |
| Efficiency ratio | 67.7543% | 2,059 |
| Assets per employee ($millions) | 4.2219% | 4,207 |
| Cash dividends to net income (ytd only)* | 65.9921% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,427 |
| Loan loss allowance to noncurrent loans | 404.4271% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 2,615 |
| Noncurrent loans to loans | 0.2495% | 2,382 |
| Net loans and leases to total assets | 56.3800% | 2,866 |
| Net loans and leases to deposits | 63.9108% | 2,873 |
| Net loans and leases to core deposits | 65.7238% | 2,969 |
| Total domestic deposits to total assets | 88.2100% | 2,365 |
| Equity capital to assets | 11.4366% | 1,027 |
| Core capital (leverage) ratio | 15.4181% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $269,404,750 | 2,629 |
| Average earning assets | $239,652,250 | 2,687 |
| Average equity | $34,935,000 | 2,144 |
| Average total loans | $145,765,250 | 2,674 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 1,085 |
| Cost of funding earning assets | 0.1589% | 3,467 |
| Net interest margin | 3.7574% | 826 |
| Noninterest income to average assets | 1.0768% | 573 |
| Noninterest expense to average assets | 3.0520% | 788 |
| Loan and lease loss provision to assets | 0.1174% | 855 |
| Net operating income to assets | 1.0411% | 2,018 |
| Return on assets (ROA) | 1.0411% | 1,986 |
| Pretax return on assets | 1.2640% | 1,857 |
| Return on Equity (ROE) | 7.7234% | 3,096 |
| Retained earnings to average equity (ytd only) | -0.5458% | 4,246 |
| Net charge-offs to loans | 0.0545% | 842 |
| Credit loss provision to net charge-offs | 405.1282% | 696 |
| Earnings coverage of net charge-offs (x) | 47.6667% | 1,179 |
| Efficiency ratio | 68.8401% | 2,122 |
| Assets per employee ($millions) | 4.1777% | 4,277 |
| Cash dividends to net income (ytd only)* | 107.0664% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,512 |
| Loan loss allowance to noncurrent loans | 299.0119% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,400 |
| Noncurrent loans to loans | 0.3415% | 2,120 |
| Net loans and leases to total assets | 54.8506% | 2,877 |
| Net loans and leases to deposits | 62.2703% | 2,869 |
| Net loans and leases to core deposits | 64.1298% | 2,957 |
| Total domestic deposits to total assets | 88.0847% | 2,541 |
| Equity capital to assets | 11.6019% | 998 |
| Core capital (leverage) ratio | 15.0865% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $269,139,000 | 2,654 |
| Average earning assets | $240,435,333 | 2,719 |
| Average equity | $36,279,333 | 2,148 |
| Average total loans | $143,059,333 | 2,719 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 1,061 |
| Cost of funding earning assets | 0.1488% | 3,518 |
| Net interest margin | 3.6637% | 803 |
| Noninterest income to average assets | 0.9984% | 681 |
| Noninterest expense to average assets | 2.9968% | 818 |
| Loan and lease loss provision to assets | 0.0563% | 1,381 |
| Net operating income to assets | 1.0058% | 1,862 |
| Return on assets (ROA) | 1.0058% | 1,852 |
| Pretax return on assets | 1.2280% | 1,707 |
| Return on Equity (ROE) | 6.9804% | 3,044 |
| Retained earnings to average equity (ytd only) | -8.4402% | 4,532 |
| Net charge-offs to loans | 0.0427% | 856 |
| Credit loss provision to net charge-offs | 253.3333% | 715 |
| Earnings coverage of net charge-offs (x) | 57.8000% | 866 |
| Efficiency ratio | 70.0000% | 2,233 |
| Assets per employee ($millions) | 4.2755% | 4,263 |
| Cash dividends to net income (ytd only)* | 220.9131% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,725 |
| Loan loss allowance to noncurrent loans | 414.3275% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 2,934 |
| Noncurrent loans to loans | 0.2417% | 2,629 |
| Net loans and leases to total assets | 51.1989% | 3,047 |
| Net loans and leases to deposits | 59.2264% | 2,975 |
| Net loans and leases to core deposits | 60.8551% | 3,077 |
| Total domestic deposits to total assets | 86.4461% | 3,123 |
| Equity capital to assets | 13.2791% | 639 |
| Core capital (leverage) ratio | 14.9752% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,023,500 | 2,663 |
| Average earning assets | $241,944,000 | 2,723 |
| Average equity | $38,909,000 | 2,097 |
| Average total loans | $140,505,500 | 2,747 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 1,489 |
| Cost of funding earning assets | 0.1867% | 3,583 |
| Net interest margin | 3.7637% | 1,078 |
| Noninterest income to average assets | 1.0121% | 983 |
| Noninterest expense to average assets | 3.1400% | 799 |
| Loan and lease loss provision to assets | 0.0124% | 2,834 |
| Net operating income to assets | 0.9624% | 2,827 |
| Return on assets (ROA) | 0.9624% | 2,895 |
| Pretax return on assets | 1.2240% | 2,590 |
| Return on Equity (ROE) | 6.0284% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.8683% | 3,694 |
| Net charge-offs to loans | 0.0499% | 1,316 |
| Credit loss provision to net charge-offs | 47.0588% | 2,152 |
| Earnings coverage of net charge-offs (x) | 46.8529% | 1,336 |
| Efficiency ratio | 71.7478% | 1,533 |
| Assets per employee ($millions) | 4.1627% | 4,345 |
| Cash dividends to net income (ytd only)* | 52.4194% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,758 |
| Loan loss allowance to noncurrent loans | 598.2833% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,328 |
| Noncurrent loans to loans | 0.1670% | 3,110 |
| Net loans and leases to total assets | 51.8377% | 3,085 |
| Net loans and leases to deposits | 61.5904% | 2,930 |
| Net loans and leases to core deposits | 63.3093% | 3,042 |
| Total domestic deposits to total assets | 84.1652% | 3,516 |
| Equity capital to assets | 15.5705% | 427 |
| Core capital (leverage) ratio | 15.5158% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,678,600 | 2,677 |
| Average earning assets | $230,330,600 | 2,742 |
| Average equity | $41,138,800 | 2,046 |
| Average total loans | $136,395,200 | 2,767 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 1,552 |
| Cost of funding earning assets | 0.1959% | 3,648 |
| Net interest margin | 3.7957% | 1,127 |
| Noninterest income to average assets | 1.0176% | 1,040 |
| Noninterest expense to average assets | 3.1384% | 775 |
| Loan and lease loss provision to assets | 0.0168% | 2,670 |
| Net operating income to assets | 1.1089% | 2,522 |
| Return on assets (ROA) | 1.1089% | 2,575 |
| Pretax return on assets | 1.2498% | 2,774 |
| Return on Equity (ROE) | 6.9015% | 3,693 |
| Retained earnings to average equity (ytd only) | 2.6794% | 4,009 |
| Net charge-offs to loans | 0.0531% | 1,124 |
| Credit loss provision to net charge-offs | 59.2593% | 1,810 |
| Earnings coverage of net charge-offs (x) | 44.9444% | 1,290 |
| Efficiency ratio | 71.2475% | 1,468 |
| Assets per employee ($millions) | 4.0934% | 4,391 |
| Cash dividends to net income (ytd only)* | 61.1765% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 3,730 |
| Loan loss allowance to noncurrent loans | 282.7309% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,849 |
| Noncurrent loans to loans | 0.3656% | 2,474 |
| Net loans and leases to total assets | 51.4600% | 3,251 |
| Net loans and leases to deposits | 61.4612% | 3,098 |
| Net loans and leases to core deposits | 63.2202% | 3,200 |
| Total domestic deposits to total assets | 83.7276% | 3,530 |
| Equity capital to assets | 16.0445% | 412 |
| Core capital (leverage) ratio | 15.5919% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $255,494,750 | 2,712 |
| Average earning assets | $228,009,500 | 2,777 |
| Average equity | $41,053,000 | 2,075 |
| Average total loans | $135,619,750 | 2,815 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 1,366 |
| Cost of funding earning assets | 0.2063% | 3,684 |
| Net interest margin | 3.8830% | 1,003 |
| Noninterest income to average assets | 0.9655% | 1,129 |
| Noninterest expense to average assets | 3.1508% | 779 |
| Loan and lease loss provision to assets | 0.0253% | 2,467 |
| Net operating income to assets | 1.1092% | 2,511 |
| Return on assets (ROA) | 1.1092% | 2,575 |
| Pretax return on assets | 1.2513% | 2,763 |
| Return on Equity (ROE) | 6.8997% | 3,684 |
| Retained earnings to average equity (ytd only) | 0.5156% | 4,433 |
| Net charge-offs to loans | 0.0561% | 1,058 |
| Credit loss provision to net charge-offs | 84.2105% | 1,469 |
| Earnings coverage of net charge-offs (x) | 42.5526% | 1,130 |
| Efficiency ratio | 71.1662% | 1,510 |
| Assets per employee ($millions) | 4.0763% | 4,407 |
| Cash dividends to net income (ytd only)* | 92.5267% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,668 |
| Loan loss allowance to noncurrent loans | 348.1663% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,211 |
| Noncurrent loans to loans | 0.2992% | 2,859 |
| Net loans and leases to total assets | 51.8510% | 3,357 |
| Net loans and leases to deposits | 61.7165% | 3,232 |
| Net loans and leases to core deposits | 63.5707% | 3,326 |
| Total domestic deposits to total assets | 84.0149% | 3,438 |
| Equity capital to assets | 15.7076% | 442 |
| Core capital (leverage) ratio | 15.4576% | 425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,333,667 | 2,719 |
| Average earning assets | $225,855,000 | 2,786 |
| Average equity | $40,726,333 | 2,072 |
| Average total loans | $135,419,000 | 2,827 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 1,307 |
| Cost of funding earning assets | 0.2098% | 3,832 |
| Net interest margin | 3.9286% | 939 |
| Noninterest income to average assets | 0.9857% | 1,157 |
| Noninterest expense to average assets | 3.0710% | 874 |
| Loan and lease loss provision to assets | 0.0513% | 2,078 |
| Net operating income to assets | 1.1996% | 2,147 |
| Return on assets (ROA) | 1.1925% | 2,248 |
| Pretax return on assets | 1.3368% | 2,468 |
| Return on Equity (ROE) | 7.3300% | 3,516 |
| Retained earnings to average equity (ytd only) | -5.4778% | 4,714 |
| Net charge-offs to loans | 0.0920% | 733 |
| Credit loss provision to net charge-offs | 103.2258% | 1,095 |
| Earnings coverage of net charge-offs (x) | 28.0968% | 1,120 |
| Efficiency ratio | 68.7478% | 1,839 |
| Assets per employee ($millions) | 3.9936% | 4,482 |
| Cash dividends to net income (ytd only)* | 174.7312% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,568 |
| Loan loss allowance to noncurrent loans | 332.0186% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 2,894 |
| Noncurrent loans to loans | 0.3225% | 2,948 |
| Net loans and leases to total assets | 51.7348% | 3,471 |
| Net loans and leases to deposits | 61.4326% | 3,373 |
| Net loans and leases to core deposits | 63.3884% | 3,466 |
| Total domestic deposits to total assets | 84.2139% | 3,368 |
| Equity capital to assets | 15.5517% | 434 |
| Core capital (leverage) ratio | 15.8894% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,557,500 | 2,727 |
| Average earning assets | $221,149,000 | 2,810 |
| Average equity | $40,600,000 | 2,062 |
| Average total loans | $134,780,500 | 2,838 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 1,424 |
| Cost of funding earning assets | 0.3638% | 3,795 |
| Net interest margin | 4.0932% | 795 |
| Noninterest income to average assets | 0.9810% | 1,086 |
| Noninterest expense to average assets | 3.4494% | 746 |
| Loan and lease loss provision to assets | 0.0519% | 3,726 |
| Net operating income to assets | 0.8578% | 2,873 |
| Return on assets (ROA) | 0.9884% | 2,477 |
| Pretax return on assets | 1.2580% | 2,126 |
| Return on Equity (ROE) | 5.6414% | 3,695 |
| Retained earnings to average equity (ytd only) | 1.8130% | 3,902 |
| Net charge-offs to loans | 0.1248% | 1,255 |
| Credit loss provision to net charge-offs | 72.2892% | 3,034 |
| Earnings coverage of net charge-offs (x) | 15.9337% | 2,152 |
| Efficiency ratio | 75.0848% | 1,326 |
| Assets per employee ($millions) | 3.8050% | 4,506 |
| Cash dividends to net income (ytd only)* | 67.8634% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 3,678 |
| Loan loss allowance to noncurrent loans | 283.1683% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 2,828 |
| Noncurrent loans to loans | 0.3716% | 2,868 |
| Net loans and leases to total assets | 55.2186% | 3,371 |
| Net loans and leases to deposits | 66.7332% | 3,207 |
| Net loans and leases to core deposits | 69.0223% | 3,332 |
| Total domestic deposits to total assets | 82.7454% | 3,479 |
| Equity capital to assets | 17.0214% | 335 |
| Core capital (leverage) ratio | 16.7887% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,084,800 | 2,709 |
| Average earning assets | $203,970,400 | 2,794 |
| Average equity | $40,486,400 | 2,004 |
| Average total loans | $132,981,200 | 2,830 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,312 |
| Cost of funding earning assets | 0.4039% | 3,787 |
| Net interest margin | 4.1944% | 744 |
| Noninterest income to average assets | 0.9346% | 1,145 |
| Noninterest expense to average assets | 3.4295% | 771 |
| Loan and lease loss provision to assets | 0.0263% | 4,011 |
| Net operating income to assets | 1.0204% | 2,258 |
| Return on assets (ROA) | 1.2065% | 1,745 |
| Pretax return on assets | 1.3995% | 1,735 |
| Return on Equity (ROE) | 6.8341% | 3,261 |
| Retained earnings to average equity (ytd only) | 1.6994% | 4,030 |
| Net charge-offs to loans | 0.1341% | 1,077 |
| Credit loss provision to net charge-offs | 33.8346% | 2,941 |
| Earnings coverage of net charge-offs (x) | 15.5489% | 2,095 |
| Efficiency ratio | 73.9284% | 1,412 |
| Assets per employee ($millions) | 3.6156% | 4,602 |
| Cash dividends to net income (ytd only)* | 75.1333% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,601 |
| Loan loss allowance to noncurrent loans | 205.0222% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 2,734 |
| Noncurrent loans to loans | 0.4991% | 2,561 |
| Net loans and leases to total assets | 58.0239% | 3,413 |
| Net loans and leases to deposits | 70.7881% | 3,236 |
| Net loans and leases to core deposits | 73.3853% | 3,365 |
| Total domestic deposits to total assets | 81.9685% | 3,427 |
| Equity capital to assets | 17.8167% | 314 |
| Core capital (leverage) ratio | 16.8938% | 344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,975,250 | 2,715 |
| Average earning assets | $201,344,000 | 2,793 |
| Average equity | $40,248,000 | 2,005 |
| Average total loans | $132,251,500 | 2,846 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 1,316 |
| Cost of funding earning assets | 0.4545% | 3,772 |
| Net interest margin | 4.2813% | 786 |
| Noninterest income to average assets | 0.9179% | 1,129 |
| Noninterest expense to average assets | 3.4016% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1105% | 1,934 |
| Return on assets (ROA) | 1.2758% | 1,536 |
| Pretax return on assets | 1.4874% | 1,484 |
| Return on Equity (ROE) | 7.2493% | 3,036 |
| Retained earnings to average equity (ytd only) | -0.5160% | 4,406 |
| Net charge-offs to loans | 0.0366% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 61.2083% | 952 |
| Efficiency ratio | 72.4235% | 1,632 |
| Assets per employee ($millions) | 3.7246% | 4,532 |
| Cash dividends to net income (ytd only)* | 107.1182% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,214 |
| Loan loss allowance to noncurrent loans | 189.8039% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3797% | 2,777 |
| Noncurrent loans to loans | 0.5654% | 2,466 |
| Net loans and leases to total assets | 56.1508% | 3,670 |
| Net loans and leases to deposits | 67.9286% | 3,571 |
| Net loans and leases to core deposits | 70.3352% | 3,677 |
| Total domestic deposits to total assets | 82.6614% | 3,189 |
| Equity capital to assets | 17.0919% | 370 |
| Core capital (leverage) ratio | 16.6981% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,833,333 | 2,706 |
| Average earning assets | $200,221,333 | 2,779 |
| Average equity | $39,921,333 | 2,005 |
| Average total loans | $131,116,667 | 2,854 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7165% | 1,663 |
| Cost of funding earning assets | 0.5429% | 3,727 |
| Net interest margin | 4.1737% | 970 |
| Noninterest income to average assets | 0.9916% | 878 |
| Noninterest expense to average assets | 3.5194% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0337% | 2,065 |
| Return on assets (ROA) | 1.3318% | 1,243 |
| Pretax return on assets | 1.4584% | 1,415 |
| Return on Equity (ROE) | 7.4512% | 2,761 |
| Retained earnings to average equity (ytd only) | -8.2408% | 4,701 |
| Net charge-offs to loans | 0.0279% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 69.4444% | 732 |
| Efficiency ratio | 75.6809% | 1,599 |
| Assets per employee ($millions) | 3.4813% | 4,498 |
| Cash dividends to net income (ytd only)* | 210.5978% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1248% | 3,073 |
| Loan loss allowance to noncurrent loans | 133.1216% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 2,513 |
| Noncurrent loans to loans | 0.8449% | 1,922 |
| Net loans and leases to total assets | 57.8814% | 3,678 |
| Net loans and leases to deposits | 70.2287% | 3,572 |
| Net loans and leases to core deposits | 72.9211% | 3,704 |
| Total domestic deposits to total assets | 82.4185% | 3,289 |
| Equity capital to assets | 17.3526% | 403 |
| Core capital (leverage) ratio | 17.2848% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,062,000 | 2,705 |
| Average earning assets | $193,786,500 | 2,796 |
| Average equity | $39,510,500 | 2,002 |
| Average total loans | $129,024,000 | 2,849 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 1,924 |
| Cost of funding earning assets | 0.5618% | 3,817 |
| Net interest margin | 4.2793% | 1,139 |
| Noninterest income to average assets | 0.6486% | 2,008 |
| Noninterest expense to average assets | 3.6691% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5837% | 4,212 |
| Return on assets (ROA) | 0.6217% | 4,160 |
| Pretax return on assets | 0.7263% | 4,152 |
| Return on Equity (ROE) | 3.3140% | 4,604 |
| Retained earnings to average equity (ytd only) | -1.0168% | 4,806 |
| Net charge-offs to loans | -0.2400% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3256% | 637 |
| Assets per employee ($millions) | 3.4269% | 4,542 |
| Cash dividends to net income (ytd only)* | 130.6818% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 2,662 |
| Loan loss allowance to noncurrent loans | 141.5149% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 2,505 |
| Noncurrent loans to loans | 0.8173% | 1,871 |
| Net loans and leases to total assets | 57.5154% | 3,807 |
| Net loans and leases to deposits | 70.6626% | 3,614 |
| Net loans and leases to core deposits | 73.2778% | 3,777 |
| Total domestic deposits to total assets | 81.3945% | 3,678 |
| Equity capital to assets | 18.4017% | 335 |
| Core capital (leverage) ratio | 18.0917% | 334 |
| Tier 1 risk-based capital ratio | 29.1292% | 509 |
| Total risk-based capital ratio | 30.2392% | 507 |
| Memoranda: | ||
| Average total assets | $212,311,800 | 2,735 |
| Average earning assets | $183,698,200 | 2,850 |
| Average equity | $39,831,000 | 1,942 |
| Average total loans | $122,900,800 | 2,913 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 1,923 |
| Cost of funding earning assets | 0.5585% | 3,878 |
| Net interest margin | 4.3095% | 1,146 |
| Noninterest income to average assets | 1.0448% | 850 |
| Noninterest expense to average assets | 3.6904% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9284% | 3,238 |
| Return on assets (ROA) | 0.9802% | 3,128 |
| Pretax return on assets | 1.1322% | 3,197 |
| Return on Equity (ROE) | 5.1990% | 4,278 |
| Retained earnings to average equity (ytd only) | -0.5944% | 4,819 |
| Net charge-offs to loans | -0.3626% | 5,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4794% | 1,156 |
| Assets per employee ($millions) | 3.2929% | 4,677 |
| Cash dividends to net income (ytd only)* | 111.4339% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,480 |
| Loan loss allowance to noncurrent loans | 268.5613% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 2,007 |
| Noncurrent loans to loans | 0.4482% | 2,961 |
| Net loans and leases to total assets | 58.8870% | 3,786 |
| Net loans and leases to deposits | 73.1949% | 3,542 |
| Net loans and leases to core deposits | 76.0415% | 3,695 |
| Total domestic deposits to total assets | 80.4523% | 3,876 |
| Equity capital to assets | 19.2269% | 295 |
| Core capital (leverage) ratio | 18.7286% | 306 |
| Tier 1 risk-based capital ratio | 29.8797% | 488 |
| Total risk-based capital ratio | 31.0397% | 483 |
| Memoranda: | ||
| Average total assets | $210,559,250 | 2,770 |
| Average earning assets | $181,670,250 | 2,887 |
| Average equity | $39,699,000 | 1,953 |
| Average total loans | $121,721,000 | 2,957 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,850 |
| Cost of funding earning assets | 0.5473% | 3,891 |
| Net interest margin | 4.3212% | 1,097 |
| Noninterest income to average assets | 0.9948% | 880 |
| Noninterest expense to average assets | 3.6761% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9009% | 3,278 |
| Return on assets (ROA) | 0.9786% | 3,069 |
| Pretax return on assets | 1.1212% | 3,172 |
| Return on Equity (ROE) | 5.2251% | 4,286 |
| Retained earnings to average equity (ytd only) | -3.5257% | 4,995 |
| Net charge-offs to loans | -0.5065% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0827% | 1,139 |
| Assets per employee ($millions) | 3.3187% | 4,687 |
| Cash dividends to net income (ytd only)* | 167.4757% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,504 |
| Loan loss allowance to noncurrent loans | 383.9793% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7166% | 1,917 |
| Noncurrent loans to loans | 0.3136% | 3,414 |
| Net loans and leases to total assets | 57.4046% | 3,970 |
| Net loans and leases to deposits | 70.8887% | 3,773 |
| Net loans and leases to core deposits | 73.4603% | 3,920 |
| Total domestic deposits to total assets | 80.9785% | 3,820 |
| Equity capital to assets | 18.7711% | 306 |
| Core capital (leverage) ratio | 18.1861% | 326 |
| Tier 1 risk-based capital ratio | 29.1977% | 510 |
| Total risk-based capital ratio | 30.3451% | 509 |
| Memoranda: | ||
| Average total assets | $210,497,000 | 2,782 |
| Average earning assets | $180,874,000 | 2,912 |
| Average equity | $39,425,330 | 1,959 |
| Average total loans | $120,423,330 | 2,984 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9712% | 1,412 |
| Cost of funding earning assets | 0.5207% | 3,972 |
| Net interest margin | 4.4505% | 814 |
| Noninterest income to average assets | 1.0537% | 722 |
| Noninterest expense to average assets | 3.7299% | 718 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9124% | 3,189 |
| Return on assets (ROA) | 0.9124% | 3,228 |
| Pretax return on assets | 1.1415% | 3,003 |
| Return on Equity (ROE) | 4.8771% | 4,354 |
| Retained earnings to average equity (ytd only) | -12.7234% | 5,168 |
| Net charge-offs to loans | -1.1065% | 5,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5674% | 1,440 |
| Assets per employee ($millions) | 3.3209% | 4,723 |
| Cash dividends to net income (ytd only)* | 360.8787% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2652% | 2,249 |
| Loan loss allowance to noncurrent loans | 248.7644% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 1,702 |
| Noncurrent loans to loans | 0.5086% | 2,788 |
| Net loans and leases to total assets | 55.4426% | 4,103 |
| Net loans and leases to deposits | 67.9944% | 3,928 |
| Net loans and leases to core deposits | 70.3346% | 4,068 |
| Total domestic deposits to total assets | 81.5400% | 3,844 |
| Equity capital to assets | 18.2718% | 326 |
| Core capital (leverage) ratio | 18.4386% | 309 |
| Tier 1 risk-based capital ratio | 29.5159% | 492 |
| Total risk-based capital ratio | 30.6908% | 488 |
| Memoranda: | ||
| Average total assets | $209,547,500 | 2,811 |
| Average earning assets | $179,754,500 | 2,953 |
| Average equity | $39,203,500 | 1,957 |
| Average total loans | $118,929,500 | 3,029 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7327% | 1,725 |
| Cost of funding earning assets | 0.3431% | 4,327 |
| Net interest margin | 4.3896% | 961 |
| Noninterest income to average assets | 1.4889% | 418 |
| Noninterest expense to average assets | 3.8128% | 670 |
| Loan and lease loss provision to assets | 0.1658% | 1,220 |
| Net operating income to assets | 1.0802% | 2,676 |
| Return on assets (ROA) | 1.0802% | 2,673 |
| Pretax return on assets | 1.2417% | 2,735 |
| Return on Equity (ROE) | 5.7196% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.2336% | 4,266 |
| Net charge-offs to loans | 0.1045% | 1,713 |
| Credit loss provision to net charge-offs | 283.3333% | 1,072 |
| Earnings coverage of net charge-offs (x) | 24.0500% | 1,829 |
| Efficiency ratio | 73.0381% | 1,757 |
| Assets per employee ($millions) | 3.2275% | 4,802 |
| Cash dividends to net income (ytd only)* | 60.9481% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 3,725 |
| Loan loss allowance to noncurrent loans | 156.2169% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 1,452 |
| Noncurrent loans to loans | 0.6379% | 2,391 |
| Net loans and leases to total assets | 56.8034% | 4,067 |
| Net loans and leases to deposits | 70.3861% | 3,803 |
| Net loans and leases to core deposits | 73.0191% | 3,920 |
| Total domestic deposits to total assets | 80.7025% | 3,953 |
| Equity capital to assets | 19.1581% | 266 |
| Core capital (leverage) ratio | 19.4189% | 248 |
| Tier 1 risk-based capital ratio | 30.8327% | 435 |
| Total risk-based capital ratio | 31.7622% | 446 |
| Memoranda: | ||
| Average total assets | $205,048,000 | 2,811 |
| Average earning assets | $174,299,400 | 2,988 |
| Average equity | $38,726,400 | 1,911 |
| Average total loans | $114,795,400 | 3,061 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 1,533 |
| Cost of funding earning assets | 0.3106% | 4,447 |
| Net interest margin | 4.4446% | 824 |
| Noninterest income to average assets | 1.6292% | 369 |
| Noninterest expense to average assets | 3.7230% | 738 |
| Loan and lease loss provision to assets | 0.2215% | 747 |
| Net operating income to assets | 1.2332% | 2,112 |
| Return on assets (ROA) | 1.2332% | 2,114 |
| Pretax return on assets | 1.4514% | 2,058 |
| Return on Equity (ROE) | 6.5532% | 4,090 |
| Retained earnings to average equity (ytd only) | 1.8797% | 4,618 |
| Net charge-offs to loans | 0.1323% | 1,218 |
| Credit loss provision to net charge-offs | 300.8850% | 1,019 |
| Earnings coverage of net charge-offs (x) | 22.7261% | 1,861 |
| Efficiency ratio | 68.9967% | 2,356 |
| Assets per employee ($millions) | 3.2192% | 4,868 |
| Cash dividends to net income (ytd only)* | 71.3155% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 3,660 |
| Loan loss allowance to noncurrent loans | 183.9009% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 1,457 |
| Noncurrent loans to loans | 0.5527% | 2,725 |
| Net loans and leases to total assets | 57.0418% | 4,127 |
| Net loans and leases to deposits | 70.7222% | 3,863 |
| Net loans and leases to core deposits | 73.4617% | 3,982 |
| Total domestic deposits to total assets | 80.6562% | 3,965 |
| Equity capital to assets | 19.1500% | 268 |
| Core capital (leverage) ratio | 19.2757% | 265 |
| Tier 1 risk-based capital ratio | 30.9192% | 437 |
| Total risk-based capital ratio | 31.8645% | 443 |
| Memoranda: | ||
| Average total assets | $204,670,000 | 2,836 |
| Average earning assets | $173,448,000 | 3,013 |
| Average equity | $38,514,750 | 1,928 |
| Average total loans | $113,865,750 | 3,103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 1,341 |
| Cost of funding earning assets | 0.2720% | 4,620 |
| Net interest margin | 4.4922% | 711 |
| Noninterest income to average assets | 1.2246% | 643 |
| Noninterest expense to average assets | 3.6417% | 830 |
| Loan and lease loss provision to assets | 0.2192% | 747 |
| Net operating income to assets | 0.9772% | 3,116 |
| Return on assets (ROA) | 0.9772% | 3,121 |
| Pretax return on assets | 1.1769% | 3,024 |
| Return on Equity (ROE) | 5.2230% | 4,488 |
| Retained earnings to average equity (ytd only) | -1.8070% | 5,133 |
| Net charge-offs to loans | 0.1843% | 853 |
| Credit loss provision to net charge-offs | 216.3462% | 1,233 |
| Earnings coverage of net charge-offs (x) | 13.7788% | 2,133 |
| Efficiency ratio | 72.2878% | 1,952 |
| Assets per employee ($millions) | 3.2711% | 4,852 |
| Cash dividends to net income (ytd only)* | 134.5962% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,123 |
| Loan loss allowance to noncurrent loans | 176.7974% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 1,359 |
| Noncurrent loans to loans | 0.5365% | 2,809 |
| Net loans and leases to total assets | 54.8330% | 4,261 |
| Net loans and leases to deposits | 67.4194% | 4,060 |
| Net loans and leases to core deposits | 69.8201% | 4,154 |
| Total domestic deposits to total assets | 81.3312% | 3,906 |
| Equity capital to assets | 18.5198% | 289 |
| Core capital (leverage) ratio | 18.8563% | 276 |
| Tier 1 risk-based capital ratio | 30.2022% | 466 |
| Total risk-based capital ratio | 31.0628% | 477 |
| Memoranda: | ||
| Average total assets | $205,290,330 | 2,853 |
| Average earning assets | $174,258,330 | 3,016 |
| Average equity | $38,407,000 | 1,938 |
| Average total loans | $112,863,000 | 3,126 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 1,627 |
| Cost of funding earning assets | 0.2463% | 4,737 |
| Net interest margin | 4.3344% | 895 |
| Noninterest income to average assets | 1.3763% | 490 |
| Noninterest expense to average assets | 3.6663% | 806 |
| Loan and lease loss provision to assets | 0.2538% | 580 |
| Net operating income to assets | 0.9175% | 3,220 |
| Return on assets (ROA) | 0.9175% | 3,231 |
| Pretax return on assets | 1.1323% | 3,040 |
| Return on Equity (ROE) | 4.8796% | 4,533 |
| Retained earnings to average equity (ytd only) | -9.1363% | 5,345 |
| Net charge-offs to loans | 0.1889% | 777 |
| Credit loss provision to net charge-offs | 245.2830% | 925 |
| Earnings coverage of net charge-offs (x) | 13.3962% | 1,757 |
| Efficiency ratio | 72.5657% | 2,111 |
| Assets per employee ($millions) | 3.2837% | 4,917 |
| Cash dividends to net income (ytd only)* | 287.2340% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 4,370 |
| Loan loss allowance to noncurrent loans | 70.3729% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.4855% | 942 |
| Noncurrent loans to loans | 1.3028% | 1,372 |
| Net loans and leases to total assets | 54.2273% | 4,266 |
| Net loans and leases to deposits | 66.4009% | 4,061 |
| Net loans and leases to core deposits | 69.0077% | 4,149 |
| Total domestic deposits to total assets | 81.6664% | 4,046 |
| Equity capital to assets | 18.2296% | 296 |
| Core capital (leverage) ratio | 18.6867% | 271 |
| Tier 1 risk-based capital ratio | 28.6414% | 530 |
| Total risk-based capital ratio | 29.4353% | 544 |
| Memoranda: | ||
| Average total assets | $204,894,500 | 2,889 |
| Average earning assets | $173,774,000 | 3,054 |
| Average equity | $38,527,500 | 1,938 |
| Average total loans | $112,253,000 | 3,158 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,646 |
| Cost of funding earning assets | 0.2048% | 4,904 |
| Net interest margin | 4.3175% | 929 |
| Noninterest income to average assets | 1.1362% | 788 |
| Noninterest expense to average assets | 3.7379% | 749 |
| Loan and lease loss provision to assets | 0.1043% | 2,147 |
| Net operating income to assets | 0.6653% | 3,751 |
| Return on assets (ROA) | 0.8874% | 2,806 |
| Pretax return on assets | 1.2643% | 2,491 |
| Return on Equity (ROE) | 4.5805% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.5046% | 4,401 |
| Net charge-offs to loans | 0.2366% | 1,096 |
| Credit loss provision to net charge-offs | 86.4198% | 2,848 |
| Earnings coverage of net charge-offs (x) | 8.7119% | 2,875 |
| Efficiency ratio | 78.0485% | 1,341 |
| Assets per employee ($millions) | 3.2209% | 5,013 |
| Cash dividends to net income (ytd only)* | 67.1517% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,621 |
| Loan loss allowance to noncurrent loans | 57.1004% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.6682% | 778 |
| Noncurrent loans to loans | 1.5123% | 1,124 |
| Net loans and leases to total assets | 54.3700% | 4,327 |
| Net loans and leases to deposits | 67.5177% | 4,059 |
| Net loans and leases to core deposits | 70.2615% | 4,158 |
| Total domestic deposits to total assets | 80.5270% | 4,240 |
| Equity capital to assets | 19.3887% | 233 |
| Core capital (leverage) ratio | 19.3581% | 220 |
| Tier 1 risk-based capital ratio | 30.0149% | 461 |
| Total risk-based capital ratio | 30.7674% | 472 |
| Memoranda: | ||
| Average total assets | $201,371,800 | 2,912 |
| Average earning assets | $170,374,600 | 3,067 |
| Average equity | $39,013,400 | 1,898 |
| Average total loans | $102,693,600 | 3,304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 1,658 |
| Cost of funding earning assets | 0.2007% | 4,970 |
| Net interest margin | 4.2947% | 935 |
| Noninterest income to average assets | 1.1264% | 796 |
| Noninterest expense to average assets | 3.7229% | 747 |
| Loan and lease loss provision to assets | 0.1393% | 1,530 |
| Net operating income to assets | 0.6791% | 4,084 |
| Return on assets (ROA) | 0.9971% | 2,620 |
| Pretax return on assets | 1.3228% | 2,386 |
| Return on Equity (ROE) | 5.1474% | 4,471 |
| Retained earnings to average equity (ytd only) | 1.0377% | 4,963 |
| Net charge-offs to loans | 0.0756% | 2,060 |
| Credit loss provision to net charge-offs | 368.4211% | 832 |
| Earnings coverage of net charge-offs (x) | 27.4554% | 1,635 |
| Efficiency ratio | 78.1942% | 1,311 |
| Assets per employee ($millions) | 3.2352% | 5,033 |
| Cash dividends to net income (ytd only)* | 79.8403% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,643 |
| Loan loss allowance to noncurrent loans | 64.6561% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4338% | 1,073 |
| Noncurrent loans to loans | 1.6615% | 1,097 |
| Net loans and leases to total assets | 52.6578% | 4,528 |
| Net loans and leases to deposits | 65.6645% | 4,278 |
| Net loans and leases to core deposits | 68.3753% | 4,342 |
| Total domestic deposits to total assets | 80.1921% | 4,278 |
| Equity capital to assets | 19.5910% | 245 |
| Core capital (leverage) ratio | 19.1636% | 244 |
| Tier 1 risk-based capital ratio | 30.5107% | 457 |
| Total risk-based capital ratio | 31.4329% | 466 |
| Memoranda: | ||
| Average total assets | $200,985,500 | 2,942 |
| Average earning assets | $170,098,750 | 3,099 |
| Average equity | $38,931,000 | 1,917 |
| Average total loans | $100,545,250 | 3,373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4777% | 1,580 |
| Cost of funding earning assets | 0.1962% | 5,021 |
| Net interest margin | 4.2815% | 908 |
| Noninterest income to average assets | 1.1227% | 796 |
| Noninterest expense to average assets | 3.6506% | 818 |
| Loan and lease loss provision to assets | 0.1989% | 930 |
| Net operating income to assets | 0.7322% | 3,695 |
| Return on assets (ROA) | 0.9875% | 2,535 |
| Pretax return on assets | 1.2092% | 2,735 |
| Return on Equity (ROE) | 5.1173% | 4,427 |
| Retained earnings to average equity (ytd only) | -1.0668% | 5,243 |
| Net charge-offs to loans | 0.0650% | 2,007 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 34.4688% | 1,366 |
| Efficiency ratio | 76.8957% | 1,596 |
| Assets per employee ($millions) | 3.2551% | 5,028 |
| Cash dividends to net income (ytd only)* | 120.8459% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 3,421 |
| Loan loss allowance to noncurrent loans | 88.8379% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 1,354 |
| Noncurrent loans to loans | 1.2719% | 1,521 |
| Net loans and leases to total assets | 50.3828% | 4,682 |
| Net loans and leases to deposits | 62.6722% | 4,459 |
| Net loans and leases to core deposits | 65.3975% | 4,515 |
| Total domestic deposits to total assets | 80.3910% | 4,325 |
| Equity capital to assets | 19.3435% | 250 |
| Core capital (leverage) ratio | 18.8156% | 251 |
| Tier 1 risk-based capital ratio | 30.7808% | 439 |
| Total risk-based capital ratio | 31.7362% | 447 |
| Memoranda: | ||
| Average total assets | $201,120,000 | 2,959 |
| Average earning assets | $170,267,670 | 3,104 |
| Average equity | $38,809,330 | 1,923 |
| Average total loans | $98,470,670 | 3,423 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 1,471 |
| Cost of funding earning assets | 0.1841% | 5,120 |
| Net interest margin | 4.2760% | 833 |
| Noninterest income to average assets | 1.1496% | 765 |
| Noninterest expense to average assets | 3.6459% | 832 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8906% | 2,814 |
| Return on assets (ROA) | 0.8906% | 2,858 |
| Pretax return on assets | 1.1137% | 2,927 |
| Return on Equity (ROE) | 4.6208% | 4,552 |
| Retained earnings to average equity (ytd only) | -7.7840% | 5,514 |
| Net charge-offs to loans | 0.1039% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.3600% | 1,417 |
| Efficiency ratio | 76.6011% | 1,818 |
| Assets per employee ($millions) | 3.2631% | 5,088 |
| Cash dividends to net income (ytd only)* | 268.4564% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 4,338 |
| Loan loss allowance to noncurrent loans | 66.5065% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4003% | 1,194 |
| Noncurrent loans to loans | 1.4913% | 1,344 |
| Net loans and leases to total assets | 47.8138% | 4,840 |
| Net loans and leases to deposits | 59.1652% | 4,623 |
| Net loans and leases to core deposits | 61.4602% | 4,694 |
| Total domestic deposits to total assets | 80.8140% | 4,459 |
| Equity capital to assets | 18.9666% | 249 |
| Core capital (leverage) ratio | 18.6997% | 249 |
| Tier 1 risk-based capital ratio | 31.7451% | 424 |
| Total risk-based capital ratio | 32.5789% | 430 |
| Memoranda: | ||
| Average total assets | $200,772,500 | 2,992 |
| Average earning assets | $169,503,500 | 3,137 |
| Average equity | $38,695,000 | 1,937 |
| Average total loans | $96,285,000 | 3,476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3869% | 1,859 |
| Cost of funding earning assets | 0.1786% | 5,229 |
| Net interest margin | 4.2083% | 1,096 |
| Noninterest income to average assets | 1.1332% | 890 |
| Noninterest expense to average assets | 3.9295% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5709% | 4,343 |
| Return on assets (ROA) | 0.6420% | 4,144 |
| Pretax return on assets | 0.8644% | 3,960 |
| Return on Equity (ROE) | 3.3184% | 5,067 |
| Retained earnings to average equity (ytd only) | 0.3601% | 5,174 |
| Net charge-offs to loans | 0.0774% | 2,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.3768% | 1,736 |
| Efficiency ratio | 83.6441% | 1,043 |
| Assets per employee ($millions) | 3.2134% | 5,135 |
| Cash dividends to net income (ytd only)* | 89.1473% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 4,024 |
| Loan loss allowance to noncurrent loans | 74.1238% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4932% | 1,120 |
| Noncurrent loans to loans | 1.4136% | 1,438 |
| Net loans and leases to total assets | 47.1177% | 4,947 |
| Net loans and leases to deposits | 58.7205% | 4,750 |
| Net loans and leases to core deposits | 61.0508% | 4,802 |
| Total domestic deposits to total assets | 80.2405% | 4,521 |
| Equity capital to assets | 19.5843% | 219 |
| Core capital (leverage) ratio | 19.1610% | 221 |
| Tier 1 risk-based capital ratio | 33.2262% | 369 |
| Total risk-based capital ratio | 34.1036% | 372 |
| Memoranda: | ||
| Average total assets | $200,940,200 | 2,944 |
| Average earning assets | $170,211,400 | 3,109 |
| Average equity | $38,874,600 | 1,885 |
| Average total loans | $89,160,600 | 3,588 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 1,962 |
| Cost of funding earning assets | 0.1765% | 5,291 |
| Net interest margin | 4.1867% | 1,155 |
| Noninterest income to average assets | 1.1673% | 842 |
| Noninterest expense to average assets | 3.8939% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6920% | 3,894 |
| Return on assets (ROA) | 0.7204% | 3,875 |
| Pretax return on assets | 0.8561% | 4,137 |
| Return on Equity (ROE) | 3.7350% | 5,015 |
| Retained earnings to average equity (ytd only) | -0.2128% | 5,395 |
| Net charge-offs to loans | 0.0957% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 19.7138% | 1,917 |
| Efficiency ratio | 82.5635% | 1,118 |
| Assets per employee ($millions) | 3.1962% | 5,184 |
| Cash dividends to net income (ytd only)* | 105.6989% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 3,846 |
| Loan loss allowance to noncurrent loans | 77.2201% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5371% | 1,147 |
| Noncurrent loans to loans | 1.4227% | 1,529 |
| Net loans and leases to total assets | 45.4278% | 5,124 |
| Net loans and leases to deposits | 56.7844% | 4,949 |
| Net loans and leases to core deposits | 58.4069% | 5,026 |
| Total domestic deposits to total assets | 80.0005% | 4,514 |
| Equity capital to assets | 19.7255% | 234 |
| Core capital (leverage) ratio | 19.0472% | 229 |
| Tier 1 risk-based capital ratio | 34.1018% | 352 |
| Total risk-based capital ratio | 35.0124% | 361 |
| Memoranda: | ||
| Average total assets | $201,367,500 | 2,948 |
| Average earning assets | $170,695,500 | 3,116 |
| Average equity | $38,838,750 | 1,901 |
| Average total loans | $87,734,000 | 3,640 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,825 |
| Cost of funding earning assets | 0.1779% | 5,344 |
| Net interest margin | 4.2229% | 1,073 |
| Noninterest income to average assets | 1.1046% | 917 |
| Noninterest expense to average assets | 3.8906% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7430% | 3,584 |
| Return on assets (ROA) | 0.7430% | 3,739 |
| Pretax return on assets | 0.8022% | 4,271 |
| Return on Equity (ROE) | 3.8808% | 4,956 |
| Retained earnings to average equity (ytd only) | -2.0539% | 5,552 |
| Net charge-offs to loans | 0.1108% | 1,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.9167% | 1,905 |
| Efficiency ratio | 82.9053% | 1,161 |
| Assets per employee ($millions) | 3.2448% | 5,142 |
| Cash dividends to net income (ytd only)* | 152.9255% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,745 |
| Loan loss allowance to noncurrent loans | 144.1761% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2457% | 1,644 |
| Noncurrent loans to loans | 0.7876% | 2,782 |
| Net loans and leases to total assets | 43.9275% | 5,237 |
| Net loans and leases to deposits | 54.5795% | 5,102 |
| Net loans and leases to core deposits | 56.1059% | 5,164 |
| Total domestic deposits to total assets | 80.4835% | 4,416 |
| Equity capital to assets | 19.2639% | 245 |
| Core capital (leverage) ratio | 18.5642% | 253 |
| Tier 1 risk-based capital ratio | 34.1117% | 358 |
| Total risk-based capital ratio | 35.0445% | 363 |
| Memoranda: | ||
| Average total assets | $202,435,000 | 2,957 |
| Average earning assets | $172,013,670 | 3,119 |
| Average equity | $38,755,330 | 1,906 |
| Average total loans | $86,638,000 | 3,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3685% | 1,901 |
| Cost of funding earning assets | 0.1835% | 5,346 |
| Net interest margin | 4.1850% | 1,128 |
| Noninterest income to average assets | 0.9948% | 1,089 |
| Noninterest expense to average assets | 3.7742% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7111% | 3,659 |
| Return on assets (ROA) | 0.7111% | 3,779 |
| Pretax return on assets | 0.7702% | 4,303 |
| Return on Equity (ROE) | 3.7259% | 4,986 |
| Retained earnings to average equity (ytd only) | -8.1434% | 5,757 |
| Net charge-offs to loans | 0.0375% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 48.8750% | 896 |
| Efficiency ratio | 83.0516% | 1,253 |
| Assets per employee ($millions) | 3.3171% | 5,099 |
| Cash dividends to net income (ytd only)* | 318.5596% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,490 |
| Loan loss allowance to noncurrent loans | 119.6145% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 1,616 |
| Noncurrent loans to loans | 1.0019% | 2,380 |
| Net loans and leases to total assets | 42.9869% | 5,299 |
| Net loans and leases to deposits | 53.1896% | 5,156 |
| Net loans and leases to core deposits | 54.7519% | 5,197 |
| Total domestic deposits to total assets | 80.8182% | 4,551 |
| Equity capital to assets | 18.9579% | 258 |
| Core capital (leverage) ratio | 18.2713% | 276 |
| Tier 1 risk-based capital ratio | 33.9136% | 370 |
| Total risk-based capital ratio | 34.8879% | 368 |
| Memoranda: | ||
| Average total assets | $203,063,000 | 2,954 |
| Average earning assets | $172,233,000 | 3,129 |
| Average equity | $38,755,500 | 1,900 |
| Average total loans | $85,263,000 | 3,717 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,003 |
| Cost of funding earning assets | 0.1768% | 5,491 |
| Net interest margin | 3.9024% | 2,023 |
| Noninterest income to average assets | 1.3128% | 703 |
| Noninterest expense to average assets | 3.7453% | 925 |
| Loan and lease loss provision to assets | 0.0201% | 3,999 |
| Net operating income to assets | 0.6239% | 4,169 |
| Return on assets (ROA) | 0.6363% | 4,189 |
| Pretax return on assets | 0.8772% | 3,930 |
| Return on Equity (ROE) | 3.2679% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.3041% | 5,389 |
| Net charge-offs to loans | 0.3647% | 800 |
| Credit loss provision to net charge-offs | 13.8408% | 3,797 |
| Earnings coverage of net charge-offs (x) | 6.0692% | 3,283 |
| Efficiency ratio | 80.9699% | 1,540 |
| Assets per employee ($millions) | 3.3407% | 5,083 |
| Cash dividends to net income (ytd only)* | 90.6940% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,972 |
| Loan loss allowance to noncurrent loans | 149.2978% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.2435% | 1,725 |
| Noncurrent loans to loans | 0.8631% | 2,625 |
| Net loans and leases to total assets | 39.9577% | 5,514 |
| Net loans and leases to deposits | 49.5868% | 5,412 |
| Net loans and leases to core deposits | 51.1213% | 5,449 |
| Total domestic deposits to total assets | 80.5813% | 4,591 |
| Equity capital to assets | 19.2121% | 242 |
| Core capital (leverage) ratio | 18.8515% | 246 |
| Tier 1 risk-based capital ratio | 35.7157% | 320 |
| Total risk-based capital ratio | 36.7278% | 320 |
| Memoranda: | ||
| Average total assets | $199,263,400 | 2,960 |
| Average earning assets | $169,153,800 | 3,137 |
| Average equity | $38,802,000 | 1,853 |
| Average total loans | $79,234,000 | 3,851 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,171 |
| Cost of funding earning assets | 0.1773% | 5,576 |
| Net interest margin | 3.8632% | 2,149 |
| Noninterest income to average assets | 1.2530% | 771 |
| Noninterest expense to average assets | 3.6776% | 1,012 |
| Loan and lease loss provision to assets | 0.0269% | 3,721 |
| Net operating income to assets | 0.6622% | 4,066 |
| Return on assets (ROA) | 0.6622% | 4,180 |
| Pretax return on assets | 0.8338% | 4,227 |
| Return on Equity (ROE) | 3.3888% | 5,256 |
| Retained earnings to average equity (ytd only) | -0.5717% | 5,700 |
| Net charge-offs to loans | 0.4659% | 538 |
| Credit loss provision to net charge-offs | 14.5985% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.6679% | 3,318 |
| Efficiency ratio | 81.0350% | 1,517 |
| Assets per employee ($millions) | 3.2353% | 5,239 |
| Cash dividends to net income (ytd only)* | 116.8701% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,830 |
| Loan loss allowance to noncurrent loans | 159.4675% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 1,812 |
| Noncurrent loans to loans | 0.8484% | 2,851 |
| Net loans and leases to total assets | 39.8297% | 5,601 |
| Net loans and leases to deposits | 49.7283% | 5,482 |
| Net loans and leases to core deposits | 51.2468% | 5,536 |
| Total domestic deposits to total assets | 80.0948% | 4,720 |
| Equity capital to assets | 19.6980% | 249 |
| Core capital (leverage) ratio | 19.0371% | 240 |
| Tier 1 risk-based capital ratio | 32.8588% | 417 |
| Total risk-based capital ratio | 33.8114% | 423 |
| Memoranda: | ||
| Average total assets | $198,133,500 | 2,993 |
| Average earning assets | $168,493,750 | 3,171 |
| Average equity | $38,714,750 | 1,876 |
| Average total loans | $78,420,000 | 3,912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,169 |
| Cost of funding earning assets | 0.1767% | 5,640 |
| Net interest margin | 3.8516% | 2,136 |
| Noninterest income to average assets | 1.2773% | 749 |
| Noninterest expense to average assets | 3.5929% | 1,142 |
| Loan and lease loss provision to assets | 0.0252% | 3,630 |
| Net operating income to assets | 0.7410% | 3,681 |
| Return on assets (ROA) | 0.7410% | 3,787 |
| Pretax return on assets | 0.9325% | 3,834 |
| Return on Equity (ROE) | 3.8022% | 5,097 |
| Retained earnings to average equity (ytd only) | -2.1468% | 5,843 |
| Net charge-offs to loans | 0.7103% | 318 |
| Credit loss provision to net charge-offs | 9.0253% | 3,108 |
| Earnings coverage of net charge-offs (x) | 3.4296% | 3,199 |
| Efficiency ratio | 78.9544% | 1,924 |
| Assets per employee ($millions) | 3.2391% | 5,275 |
| Cash dividends to net income (ytd only)* | 156.4626% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 2,991 |
| Loan loss allowance to noncurrent loans | 161.0942% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.3741% | 1,822 |
| Noncurrent loans to loans | 0.8377% | 3,031 |
| Net loans and leases to total assets | 39.2151% | 5,677 |
| Net loans and leases to deposits | 48.8325% | 5,564 |
| Net loans and leases to core deposits | 50.2233% | 5,606 |
| Total domestic deposits to total assets | 80.3054% | 4,792 |
| Equity capital to assets | 19.5489% | 242 |
| Core capital (leverage) ratio | 18.7684% | 246 |
| Tier 1 risk-based capital ratio | 32.0479% | 456 |
| Total risk-based capital ratio | 32.9675% | 460 |
| Memoranda: | ||
| Average total assets | $198,393,000 | 3,009 |
| Average earning assets | $168,603,670 | 3,181 |
| Average equity | $38,661,330 | 1,885 |
| Average total loans | $77,998,670 | 3,950 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 3,199 |
| Cost of funding earning assets | 0.1753% | 5,722 |
| Net interest margin | 3.8346% | 2,117 |
| Noninterest income to average assets | 1.2073% | 781 |
| Noninterest expense to average assets | 3.5977% | 1,141 |
| Loan and lease loss provision to assets | 0.0302% | 3,287 |
| Net operating income to assets | 0.8370% | 3,071 |
| Return on assets (ROA) | 0.8370% | 3,198 |
| Pretax return on assets | 0.8370% | 4,108 |
| Return on Equity (ROE) | 4.3021% | 4,843 |
| Retained earnings to average equity (ytd only) | -7.5907% | 6,060 |
| Net charge-offs to loans | 0.2522% | 949 |
| Credit loss provision to net charge-offs | 30.6122% | 2,274 |
| Earnings coverage of net charge-offs (x) | 8.7959% | 2,058 |
| Efficiency ratio | 80.5768% | 1,818 |
| Assets per employee ($millions) | 3.2642% | 5,303 |
| Cash dividends to net income (ytd only)* | 276.4423% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,863 |
| Loan loss allowance to noncurrent loans | 188.7740% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 1,800 |
| Noncurrent loans to loans | 0.8778% | 3,052 |
| Net loans and leases to total assets | 38.0905% | 5,717 |
| Net loans and leases to deposits | 47.2319% | 5,608 |
| Net loans and leases to core deposits | 48.4834% | 5,651 |
| Total domestic deposits to total assets | 80.6456% | 4,903 |
| Equity capital to assets | 19.2409% | 256 |
| Core capital (leverage) ratio | 18.6421% | 254 |
| Tier 1 risk-based capital ratio | 31.9032% | 461 |
| Total risk-based capital ratio | 33.0163% | 463 |
| Memoranda: | ||
| Average total assets | $198,796,000 | 3,025 |
| Average earning assets | $168,881,500 | 3,199 |
| Average equity | $38,679,000 | 1,892 |
| Average total loans | $77,726,000 | 3,971 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3622% | 2,365 |
| Cost of funding earning assets | 0.2139% | 5,634 |
| Net interest margin | 4.1483% | 1,438 |
| Noninterest income to average assets | 1.0193% | 1,174 |
| Noninterest expense to average assets | 3.7083% | 1,131 |
| Loan and lease loss provision to assets | 0.0211% | 4,192 |
| Net operating income to assets | 0.6181% | 4,285 |
| Return on assets (ROA) | 0.6181% | 4,388 |
| Pretax return on assets | 0.7719% | 4,360 |
| Return on Equity (ROE) | 3.0351% | 5,465 |
| Retained earnings to average equity (ytd only) | 0.5145% | 5,542 |
| Net charge-offs to loans | 0.3991% | 1,076 |
| Credit loss provision to net charge-offs | 12.9032% | 4,065 |
| Earnings coverage of net charge-offs (x) | 4.8581% | 3,549 |
| Efficiency ratio | 82.3839% | 1,617 |
| Assets per employee ($millions) | 3.2537% | 5,343 |
| Cash dividends to net income (ytd only)* | 83.0494% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 1,842 |
| Loan loss allowance to noncurrent loans | 144.4934% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 1,681 |
| Noncurrent loans to loans | 1.1592% | 2,518 |
| Net loans and leases to total assets | 38.8046% | 5,805 |
| Net loans and leases to deposits | 48.3590% | 5,666 |
| Net loans and leases to core deposits | 49.6528% | 5,729 |
| Total domestic deposits to total assets | 80.2428% | 4,954 |
| Equity capital to assets | 19.6731% | 236 |
| Core capital (leverage) ratio | 20.1679% | 206 |
| Tier 1 risk-based capital ratio | 36.2543% | 304 |
| Total risk-based capital ratio | 37.5045% | 296 |
| Memoranda: | ||
| Average total assets | $189,926,800 | 3,101 |
| Average earning assets | $159,413,200 | 3,294 |
| Average equity | $38,681,200 | 1,825 |
| Average total loans | $77,680,000 | 3,940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4306% | 2,119 |
| Cost of funding earning assets | 0.2257% | 5,624 |
| Net interest margin | 4.2048% | 1,277 |
| Noninterest income to average assets | 1.0650% | 1,082 |
| Noninterest expense to average assets | 3.7786% | 1,002 |
| Loan and lease loss provision to assets | 0.0177% | 4,057 |
| Net operating income to assets | 0.6766% | 4,070 |
| Return on assets (ROA) | 0.6766% | 4,159 |
| Pretax return on assets | 0.7867% | 4,409 |
| Return on Equity (ROE) | 3.2926% | 5,433 |
| Retained earnings to average equity (ytd only) | -0.0760% | 5,808 |
| Net charge-offs to loans | 0.5246% | 727 |
| Credit loss provision to net charge-offs | 8.1967% | 3,728 |
| Earnings coverage of net charge-offs (x) | 3.7147% | 3,608 |
| Efficiency ratio | 82.4477% | 1,556 |
| Assets per employee ($millions) | 3.0303% | 5,696 |
| Cash dividends to net income (ytd only)* | 102.3091% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 2,107 |
| Loan loss allowance to noncurrent loans | 223.7113% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.5965% | 1,905 |
| Noncurrent loans to loans | 0.7411% | 3,755 |
| Net loans and leases to total assets | 41.7789% | 5,692 |
| Net loans and leases to deposits | 52.9848% | 5,461 |
| Net loans and leases to core deposits | 54.8604% | 5,515 |
| Total domestic deposits to total assets | 78.8506% | 5,358 |
| Equity capital to assets | 21.0039% | 188 |
| Core capital (leverage) ratio | 20.0630% | 210 |
| Tier 1 risk-based capital ratio | 36.8508% | 303 |
| Total risk-based capital ratio | 38.1014% | 297 |
| Memoranda: | ||
| Average total assets | $187,790,000 | 3,156 |
| Average earning assets | $157,116,500 | 3,347 |
| Average equity | $38,590,000 | 1,839 |
| Average total loans | $77,517,750 | 3,976 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4007% | 2,171 |
| Cost of funding earning assets | 0.2292% | 5,669 |
| Net interest margin | 4.1715% | 1,312 |
| Noninterest income to average assets | 1.0277% | 1,126 |
| Noninterest expense to average assets | 3.7188% | 1,104 |
| Loan and lease loss provision to assets | 0.0106% | 4,031 |
| Net operating income to assets | 0.6770% | 3,957 |
| Return on assets (ROA) | 0.6770% | 4,060 |
| Pretax return on assets | 0.7883% | 4,322 |
| Return on Equity (ROE) | 3.3185% | 5,418 |
| Retained earnings to average equity (ytd only) | -1.7449% | 5,957 |
| Net charge-offs to loans | 0.4690% | 863 |
| Credit loss provision to net charge-offs | 5.5249% | 3,354 |
| Earnings coverage of net charge-offs (x) | 4.1657% | 3,165 |
| Efficiency ratio | 82.3171% | 1,710 |
| Assets per employee ($millions) | 3.1015% | 5,596 |
| Cash dividends to net income (ytd only)* | 152.5822% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,738 |
| Loan loss allowance to noncurrent loans | 213.4644% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 2,027 |
| Noncurrent loans to loans | 0.8606% | 3,546 |
| Net loans and leases to total assets | 39.8512% | 5,830 |
| Net loans and leases to deposits | 50.1160% | 5,630 |
| Net loans and leases to core deposits | 52.2574% | 5,653 |
| Total domestic deposits to total assets | 79.5178% | 5,345 |
| Equity capital to assets | 20.3558% | 204 |
| Core capital (leverage) ratio | 19.5889% | 217 |
| Tier 1 risk-based capital ratio | 36.5657% | 311 |
| Total risk-based capital ratio | 37.8171% | 304 |
| Memoranda: | ||
| Average total assets | $188,771,000 | 3,166 |
| Average earning assets | $157,928,670 | 3,350 |
| Average equity | $38,511,670 | 1,835 |
| Average total loans | $77,180,670 | 3,997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4153% | 2,081 |
| Cost of funding earning assets | 0.2361% | 5,700 |
| Net interest margin | 4.1792% | 1,271 |
| Noninterest income to average assets | 1.0182% | 1,091 |
| Noninterest expense to average assets | 3.7463% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6576% | 3,903 |
| Return on assets (ROA) | 0.6576% | 4,002 |
| Pretax return on assets | 0.7637% | 4,260 |
| Return on Equity (ROE) | 3.2198% | 5,381 |
| Retained earnings to average equity (ytd only) | -6.9070% | 6,236 |
| Net charge-offs to loans | 0.4860% | 756 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.8298% | 2,621 |
| Efficiency ratio | 83.0668% | 1,790 |
| Assets per employee ($millions) | 3.1106% | 5,666 |
| Cash dividends to net income (ytd only)* | 314.5161% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 1,713 |
| Loan loss allowance to noncurrent loans | 100.6766% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.9020% | 1,812 |
| Noncurrent loans to loans | 1.8989% | 1,998 |
| Net loans and leases to total assets | 40.2364% | 5,792 |
| Net loans and leases to deposits | 50.4333% | 5,563 |
| Net loans and leases to core deposits | 52.5759% | 5,584 |
| Total domestic deposits to total assets | 79.7814% | 5,527 |
| Equity capital to assets | 20.1227% | 211 |
| Core capital (leverage) ratio | 19.5630% | 224 |
| Tier 1 risk-based capital ratio | 35.7688% | 327 |
| Total risk-based capital ratio | 37.0216% | 317 |
| Memoranda: | ||
| Average total assets | $188,559,500 | 3,182 |
| Average earning assets | $157,543,000 | 3,382 |
| Average equity | $38,511,500 | 1,829 |
| Average total loans | $77,367,500 | 4,017 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,843 |
| Cost of funding earning assets | 0.2855% | 5,706 |
| Net interest margin | 4.0457% | 1,817 |
| Noninterest income to average assets | 1.0928% | 1,177 |
| Noninterest expense to average assets | 3.8420% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5200% | 4,649 |
| Return on assets (ROA) | 0.5200% | 4,779 |
| Pretax return on assets | 0.6633% | 4,655 |
| Return on Equity (ROE) | 2.5401% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.5401% | 4,443 |
| Net charge-offs to loans | 0.1689% | 3,131 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.5769% | 2,486 |
| Efficiency ratio | 85.2767% | 1,492 |
| Assets per employee ($millions) | 3.0717% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 1,429 |
| Loan loss allowance to noncurrent loans | 227.9539% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 2,383 |
| Noncurrent loans to loans | 0.9025% | 3,729 |
| Net loans and leases to total assets | 40.1968% | 5,946 |
| Net loans and leases to deposits | 50.7606% | 5,708 |
| Net loans and leases to core deposits | 52.9599% | 5,734 |
| Total domestic deposits to total assets | 79.1891% | 5,621 |
| Equity capital to assets | 20.7292% | 176 |
| Core capital (leverage) ratio | 19.9844% | 201 |
| Tier 1 risk-based capital ratio | 36.9898% | 277 |
| Total risk-based capital ratio | 38.2436% | 274 |
| Memoranda: | ||
| Average total assets | $187,689,600 | 3,190 |
| Average earning assets | $158,314,600 | 3,371 |
| Average equity | $38,423,400 | 1,812 |
| Average total loans | $76,979,600 | 4,027 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3158% | 2,922 |
| Cost of funding earning assets | 0.2947% | 5,773 |
| Net interest margin | 4.0210% | 1,875 |
| Noninterest income to average assets | 1.1042% | 1,202 |
| Noninterest expense to average assets | 3.8039% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6192% | 4,259 |
| Return on assets (ROA) | 0.6192% | 4,389 |
| Pretax return on assets | 0.7008% | 4,689 |
| Return on Equity (ROE) | 3.0341% | 5,591 |
| Retained earnings to average equity (ytd only) | 3.0341% | 4,504 |
| Net charge-offs to loans | 0.2164% | 2,529 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.8961% | 2,709 |
| Efficiency ratio | 84.4420% | 1,541 |
| Assets per employee ($millions) | 3.0387% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 1,601 |
| Loan loss allowance to noncurrent loans | 220.7232% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 1.5170% | 2,656 |
| Noncurrent loans to loans | 0.9305% | 3,953 |
| Net loans and leases to total assets | 40.8292% | 5,976 |
| Net loans and leases to deposits | 51.7127% | 5,729 |
| Net loans and leases to core deposits | 53.9896% | 5,765 |
| Total domestic deposits to total assets | 78.9539% | 5,750 |
| Equity capital to assets | 20.8983% | 180 |
| Core capital (leverage) ratio | 20.0500% | 201 |
| Tier 1 risk-based capital ratio | 36.8868% | 289 |
| Total risk-based capital ratio | 38.1405% | 286 |
| Memoranda: | ||
| Average total assets | $187,768,750 | 3,219 |
| Average earning assets | $158,793,750 | 3,400 |
| Average equity | $38,319,000 | 1,827 |
| Average total loans | $76,999,500 | 4,057 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 2,969 |
| Cost of funding earning assets | 0.3021% | 5,811 |
| Net interest margin | 3.9942% | 1,879 |
| Noninterest income to average assets | 1.0935% | 1,276 |
| Noninterest expense to average assets | 3.7376% | 1,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6735% | 3,937 |
| Return on assets (ROA) | 0.6735% | 4,100 |
| Pretax return on assets | 0.7636% | 4,451 |
| Return on Equity (ROE) | 3.3264% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.3264% | 4,194 |
| Net charge-offs to loans | 0.2652% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.0588% | 2,603 |
| Efficiency ratio | 83.0349% | 1,752 |
| Assets per employee ($millions) | 3.1100% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0809% | 1,674 |
| Loan loss allowance to noncurrent loans | 413.8817% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 3,105 |
| Noncurrent loans to loans | 0.5028% | 5,013 |
| Net loans and leases to total assets | 39.9359% | 6,051 |
| Net loans and leases to deposits | 50.1841% | 5,825 |
| Net loans and leases to core deposits | 52.3319% | 5,864 |
| Total domestic deposits to total assets | 79.5787% | 5,699 |
| Equity capital to assets | 20.2948% | 192 |
| Core capital (leverage) ratio | 19.7335% | 203 |
| Tier 1 risk-based capital ratio | 37.8613% | 272 |
| Total risk-based capital ratio | 39.1163% | 266 |
| Memoranda: | ||
| Average total assets | $188,571,670 | 3,217 |
| Average earning assets | $160,884,670 | 3,384 |
| Average equity | $38,179,670 | 1,835 |
| Average total loans | $76,910,000 | 4,073 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 2,692 |
| Cost of funding earning assets | 0.3157% | 5,832 |
| Net interest margin | 4.0344% | 1,666 |
| Noninterest income to average assets | 1.0574% | 1,332 |
| Noninterest expense to average assets | 3.8063% | 1,102 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6128% | 4,155 |
| Return on assets (ROA) | 0.6128% | 4,316 |
| Pretax return on assets | 0.6766% | 4,670 |
| Return on Equity (ROE) | 3.0301% | 5,580 |
| Retained earnings to average equity (ytd only) | 3.0301% | 4,465 |
| Net charge-offs to loans | 0.1721% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.6364% | 1,816 |
| Efficiency ratio | 84.9075% | 1,649 |
| Assets per employee ($millions) | 3.1097% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,604 |
| Loan loss allowance to noncurrent loans | 296.6431% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6885% | 2,759 |
| Noncurrent loans to loans | 0.7379% | 4,657 |
| Net loans and leases to total assets | 39.5506% | 6,030 |
| Net loans and leases to deposits | 49.5758% | 5,816 |
| Net loans and leases to core deposits | 51.6954% | 5,846 |
| Total domestic deposits to total assets | 79.7782% | 5,802 |
| Equity capital to assets | 20.1190% | 213 |
| Core capital (leverage) ratio | 19.7661% | 204 |
| Tier 1 risk-based capital ratio | 36.9763% | 293 |
| Total risk-based capital ratio | 38.2315% | 287 |
| Memoranda: | ||
| Average total assets | $188,003,000 | 3,246 |
| Average earning assets | $159,627,500 | 3,437 |
| Average equity | $38,019,000 | 1,863 |
| Average total loans | $76,679,000 | 4,113 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9393% | 1,718 |
| Cost of funding earning assets | 0.3843% | 6,019 |
| Net interest margin | 4.5550% | 850 |
| Noninterest income to average assets | 0.9821% | 1,585 |
| Noninterest expense to average assets | 3.9228% | 1,077 |
| Loan and lease loss provision to assets | 0.2249% | 2,882 |
| Net operating income to assets | 0.5420% | 4,511 |
| Return on assets (ROA) | 0.5420% | 4,765 |
| Pretax return on assets | 0.6753% | 4,742 |
| Return on Equity (ROE) | 2.5779% | 5,721 |
| Retained earnings to average equity (ytd only) | -3.8668% | 6,348 |
| Net charge-offs to loans | 1.3205% | 729 |
| Credit loss provision to net charge-offs | 40.8063% | 4,922 |
| Earnings coverage of net charge-offs (x) | 1.6332% | 4,630 |
| Efficiency ratio | 81.3350% | 1,967 |
| Assets per employee ($millions) | 3.1053% | 5,835 |
| Cash dividends to net income (ytd only)* | 250.0000% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 1,499 |
| Loan loss allowance to noncurrent loans | 209.5471% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 1.7159% | 2,824 |
| Noncurrent loans to loans | 1.0658% | 4,075 |
| Net loans and leases to total assets | 40.2238% | 6,152 |
| Net loans and leases to deposits | 50.5426% | 5,918 |
| Net loans and leases to core deposits | 52.6433% | 5,968 |
| Total domestic deposits to total assets | 79.5840% | 5,763 |
| Equity capital to assets | 20.3279% | 212 |
| Core capital (leverage) ratio | 19.8980% | 199 |
| Tier 1 risk-based capital ratio | 36.8734% | 293 |
| Total risk-based capital ratio | 38.1291% | 286 |
| Memoranda: | ||
| Average total assets | $184,511,000 | 3,250 |
| Average earning assets | $155,587,800 | 3,456 |
| Average equity | $38,791,400 | 1,791 |
| Average total loans | $77,018,000 | 4,121 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0949% | 1,440 |
| Cost of funding earning assets | 0.3993% | 6,123 |
| Net interest margin | 4.6957% | 677 |
| Noninterest income to average assets | 0.9576% | 1,648 |
| Noninterest expense to average assets | 3.9450% | 1,009 |
| Loan and lease loss provision to assets | 0.2463% | 2,595 |
| Net operating income to assets | 0.5795% | 4,477 |
| Return on assets (ROA) | 0.5795% | 4,755 |
| Pretax return on assets | 0.7193% | 4,796 |
| Return on Equity (ROE) | 2.7335% | 5,776 |
| Retained earnings to average equity (ytd only) | -0.6834% | 6,214 |
| Net charge-offs to loans | 1.1308% | 890 |
| Credit loss provision to net charge-offs | 51.9878% | 4,350 |
| Earnings coverage of net charge-offs (x) | 2.0382% | 4,251 |
| Efficiency ratio | 80.3363% | 2,044 |
| Assets per employee ($millions) | 3.0421% | 5,977 |
| Cash dividends to net income (ytd only)* | 125.0000% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5819% | 1,099 |
| Loan loss allowance to noncurrent loans | 188.8574% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 2.0413% | 2,592 |
| Noncurrent loans to loans | 1.3671% | 3,739 |
| Net loans and leases to total assets | 41.3427% | 6,173 |
| Net loans and leases to deposits | 52.7408% | 5,913 |
| Net loans and leases to core deposits | 55.0191% | 5,965 |
| Total domestic deposits to total assets | 78.3885% | 5,995 |
| Equity capital to assets | 21.4636% | 188 |
| Core capital (leverage) ratio | 20.8912% | 174 |
| Tier 1 risk-based capital ratio | 37.8637% | 289 |
| Total risk-based capital ratio | 39.1235% | 281 |
| Memoranda: | ||
| Average total assets | $184,060,000 | 3,287 |
| Average earning assets | $154,947,250 | 3,499 |
| Average equity | $39,020,750 | 1,796 |
| Average total loans | $77,108,750 | 4,157 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 1,279 |
| Cost of funding earning assets | 0.4162% | 6,186 |
| Net interest margin | 4.7752% | 587 |
| Noninterest income to average assets | 0.9221% | 1,700 |
| Noninterest expense to average assets | 3.9139% | 1,056 |
| Loan and lease loss provision to assets | 0.2872% | 2,284 |
| Net operating income to assets | 0.5819% | 4,444 |
| Return on assets (ROA) | 0.5819% | 4,712 |
| Pretax return on assets | 0.7368% | 4,716 |
| Return on Equity (ROE) | 2.7561% | 5,783 |
| Retained earnings to average equity (ytd only) | -2.3763% | 6,398 |
| Net charge-offs to loans | 1.6573% | 559 |
| Credit loss provision to net charge-offs | 41.5361% | 4,233 |
| Earnings coverage of net charge-offs (x) | 1.4812% | 4,254 |
| Efficiency ratio | 79.2627% | 2,293 |
| Assets per employee ($millions) | 3.0743% | 5,902 |
| Cash dividends to net income (ytd only)* | 186.2197% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5604% | 1,191 |
| Loan loss allowance to noncurrent loans | 1,010.9375% | 404 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 3,314 |
| Noncurrent loans to loans | 0.2533% | 6,070 |
| Net loans and leases to total assets | 40.0458% | 6,333 |
| Net loans and leases to deposits | 50.8344% | 6,121 |
| Net loans and leases to core deposits | 52.6959% | 6,187 |
| Total domestic deposits to total assets | 78.7769% | 6,000 |
| Equity capital to assets | 21.0974% | 197 |
| Core capital (leverage) ratio | 20.5272% | 182 |
| Tier 1 risk-based capital ratio | 37.0015% | 307 |
| Total risk-based capital ratio | 38.2600% | 295 |
| Memoranda: | ||
| Average total assets | $184,570,670 | 3,287 |
| Average earning assets | $155,220,000 | 3,511 |
| Average equity | $38,968,670 | 1,785 |
| Average total loans | $76,991,000 | 4,187 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3662% | 971 |
| Cost of funding earning assets | 0.4360% | 6,226 |
| Net interest margin | 4.9302% | 451 |
| Noninterest income to average assets | 1.0074% | 1,408 |
| Noninterest expense to average assets | 3.9301% | 1,021 |
| Loan and lease loss provision to assets | 0.3900% | 1,620 |
| Net operating income to assets | 0.5178% | 4,747 |
| Return on assets (ROA) | 0.5178% | 4,958 |
| Pretax return on assets | 0.8276% | 4,309 |
| Return on Equity (ROE) | 2.4516% | 5,922 |
| Retained earnings to average equity (ytd only) | -7.8061% | 6,756 |
| Net charge-offs to loans | 0.1753% | 3,042 |
| Credit loss provision to net charge-offs | 529.4118% | 632 |
| Earnings coverage of net charge-offs (x) | 16.5294% | 1,362 |
| Efficiency ratio | 76.3468% | 2,735 |
| Assets per employee ($millions) | 3.1418% | 5,879 |
| Cash dividends to net income (ytd only)* | 418.4100% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1715% | 703 |
| Loan loss allowance to noncurrent loans | 265.9459% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 2.0700% | 2,805 |
| Noncurrent loans to loans | 1.1925% | 4,342 |
| Net loans and leases to total assets | 40.5181% | 6,306 |
| Net loans and leases to deposits | 51.2459% | 6,047 |
| Net loans and leases to core deposits | 53.6606% | 6,083 |
| Total domestic deposits to total assets | 79.0661% | 6,060 |
| Equity capital to assets | 20.8293% | 193 |
| Core capital (leverage) ratio | 20.3629% | 184 |
| Tier 1 risk-based capital ratio | 35.7427% | 322 |
| Total risk-based capital ratio | 37.0062% | 313 |
| Memoranda: | ||
| Average total assets | $184,626,500 | 3,307 |
| Average earning assets | $155,045,000 | 3,532 |
| Average equity | $38,995,000 | 1,782 |
| Average total loans | $77,582,000 | 4,195 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3316% | 1,619 |
| Cost of funding earning assets | 0.5753% | 6,210 |
| Net interest margin | 4.7563% | 678 |
| Noninterest income to average assets | 1.1896% | 936 |
| Noninterest expense to average assets | 3.8057% | 1,341 |
| Loan and lease loss provision to assets | 0.4341% | 2,429 |
| Net operating income to assets | 0.7823% | 3,125 |
| Return on assets (ROA) | 0.7823% | 3,287 |
| Pretax return on assets | 0.9919% | 3,272 |
| Return on Equity (ROE) | 3.7543% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.1758% | 5,303 |
| Net charge-offs to loans | 0.1477% | 4,965 |
| Credit loss provision to net charge-offs | 662.2951% | 337 |
| Earnings coverage of net charge-offs (x) | 21.7541% | 1,079 |
| Efficiency ratio | 72.7431% | 3,441 |
| Assets per employee ($millions) | 3.2837% | 5,543 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9820% | 826 |
| Loan loss allowance to noncurrent loans | 200.1730% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 2.2470% | 2,682 |
| Noncurrent loans to loans | 1.4897% | 3,914 |
| Net loans and leases to total assets | 40.9399% | 6,471 |
| Net loans and leases to deposits | 52.2041% | 6,191 |
| Net loans and leases to core deposits | 54.1725% | 6,290 |
| Total domestic deposits to total assets | 78.4229% | 6,112 |
| Equity capital to assets | 21.4151% | 175 |
| Core capital (leverage) ratio | 20.6604% | 174 |
| Tier 1 risk-based capital ratio | 36.2809% | 303 |
| Total risk-based capital ratio | 37.5430% | 300 |
| Memoranda: | ||
| Average total assets | $186,114,800 | 3,244 |
| Average earning assets | $158,168,800 | 3,439 |
| Average equity | $38,781,800 | 1,738 |
| Average total loans | $82,613,000 | 4,062 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 1,586 |
| Cost of funding earning assets | 0.5955% | 6,298 |
| Net interest margin | 4.7804% | 650 |
| Noninterest income to average assets | 1.3735% | 689 |
| Noninterest expense to average assets | 3.9048% | 1,145 |
| Loan and lease loss provision to assets | 0.4671% | 2,115 |
| Net operating income to assets | 0.6635% | 3,802 |
| Return on assets (ROA) | 0.6635% | 3,976 |
| Pretax return on assets | 1.0785% | 3,101 |
| Return on Equity (ROE) | 3.2062% | 5,347 |
| Retained earnings to average equity (ytd only) | -0.2450% | 6,018 |
| Net charge-offs to loans | 0.0270% | 5,768 |
| Credit loss provision to net charge-offs | 3,847.0588% | 82 |
| Earnings coverage of net charge-offs (x) | 127.2722% | 290 |
| Efficiency ratio | 71.6420% | 3,629 |
| Assets per employee ($millions) | 3.0770% | 5,950 |
| Cash dividends to net income (ytd only)* | 107.6423% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8055% | 1,026 |
| Loan loss allowance to noncurrent loans | 174.4992% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 3,062 |
| Noncurrent loans to loans | 1.6078% | 3,887 |
| Net loans and leases to total assets | 42.5031% | 6,466 |
| Net loans and leases to deposits | 54.0142% | 6,213 |
| Net loans and leases to core deposits | 56.0386% | 6,316 |
| Total domestic deposits to total assets | 78.6889% | 6,051 |
| Equity capital to assets | 21.0484% | 207 |
| Core capital (leverage) ratio | 20.3446% | 202 |
| Tier 1 risk-based capital ratio | 35.3905% | 337 |
| Total risk-based capital ratio | 36.6513% | 329 |
| Memoranda: | ||
| Average total assets | $186,671,250 | 3,251 |
| Average earning assets | $159,200,750 | 3,441 |
| Average equity | $38,632,250 | 1,745 |
| Average total loans | $83,866,750 | 4,065 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 1,855 |
| Cost of funding earning assets | 0.6205% | 6,362 |
| Net interest margin | 4.6889% | 750 |
| Noninterest income to average assets | 1.4294% | 620 |
| Noninterest expense to average assets | 3.8611% | 1,260 |
| Loan and lease loss provision to assets | 0.5380% | 1,813 |
| Net operating income to assets | 0.6352% | 3,884 |
| Return on assets (ROA) | 0.6352% | 4,009 |
| Pretax return on assets | 1.0312% | 3,115 |
| Return on Equity (ROE) | 3.0864% | 5,361 |
| Retained earnings to average equity (ytd only) | -2.1008% | 6,268 |
| Net charge-offs to loans | 0.0448% | 5,229 |
| Credit loss provision to net charge-offs | 2,652.6316% | 121 |
| Earnings coverage of net charge-offs (x) | 77.3684% | 442 |
| Efficiency ratio | 71.1028% | 3,918 |
| Assets per employee ($millions) | 3.1162% | 5,841 |
| Cash dividends to net income (ytd only)* | 168.0672% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5510% | 1,369 |
| Loan loss allowance to noncurrent loans | 165.0781% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 2.1089% | 3,093 |
| Noncurrent loans to loans | 1.5453% | 4,085 |
| Net loans and leases to total assets | 43.1714% | 6,505 |
| Net loans and leases to deposits | 54.5654% | 6,265 |
| Net loans and leases to core deposits | 56.8861% | 6,354 |
| Total domestic deposits to total assets | 79.1187% | 6,057 |
| Equity capital to assets | 20.6016% | 231 |
| Core capital (leverage) ratio | 19.8863% | 231 |
| Tier 1 risk-based capital ratio | 34.3226% | 372 |
| Total risk-based capital ratio | 35.5817% | 362 |
| Memoranda: | ||
| Average total assets | $187,356,000 | 3,262 |
| Average earning assets | $159,868,330 | 3,449 |
| Average equity | $38,556,670 | 1,741 |
| Average total loans | $84,911,330 | 4,071 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3538% | 1,712 |
| Cost of funding earning assets | 0.6552% | 6,363 |
| Net interest margin | 4.6987% | 706 |
| Noninterest income to average assets | 1.1453% | 996 |
| Noninterest expense to average assets | 3.8198% | 1,304 |
| Loan and lease loss provision to assets | 0.4244% | 2,065 |
| Net operating income to assets | 0.6846% | 3,583 |
| Return on assets (ROA) | 0.6846% | 3,648 |
| Pretax return on assets | 0.9086% | 3,463 |
| Return on Equity (ROE) | 3.3285% | 5,225 |
| Retained earnings to average equity (ytd only) | -7.0407% | 6,678 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1308% | 3,490 |
| Assets per employee ($millions) | 3.0836% | 5,979 |
| Cash dividends to net income (ytd only)* | 311.5265% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 2,066 |
| Loan loss allowance to noncurrent loans | 126.3485% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 2.1568% | 3,119 |
| Noncurrent loans to loans | 1.7049% | 3,933 |
| Net loans and leases to total assets | 44.1178% | 6,459 |
| Net loans and leases to deposits | 55.4653% | 6,180 |
| Net loans and leases to core deposits | 57.9244% | 6,261 |
| Total domestic deposits to total assets | 79.5413% | 6,048 |
| Equity capital to assets | 20.3274% | 238 |
| Core capital (leverage) ratio | 19.5981% | 250 |
| Tier 1 risk-based capital ratio | 33.5079% | 391 |
| Total risk-based capital ratio | 34.7631% | 383 |
| Memoranda: | ||
| Average total assets | $187,548,500 | 3,275 |
| Average earning assets | $159,960,500 | 3,467 |
| Average equity | $38,575,500 | 1,726 |
| Average total loans | $85,951,500 | 4,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 1,424 |
| Cost of funding earning assets | 0.9014% | 6,174 |
| Net interest margin | 4.8424% | 618 |
| Noninterest income to average assets | 1.1575% | 1,103 |
| Noninterest expense to average assets | 4.0140% | 1,140 |
| Loan and lease loss provision to assets | 0.5031% | 3,141 |
| Net operating income to assets | 0.6007% | 3,662 |
| Return on assets (ROA) | 0.6149% | 3,776 |
| Pretax return on assets | 0.7708% | 3,723 |
| Return on Equity (ROE) | 3.0569% | 4,933 |
| Retained earnings to average equity (ytd only) | -0.8191% | 5,773 |
| Net charge-offs to loans | 0.4258% | 3,918 |
| Credit loss provision to net charge-offs | 246.3104% | 1,168 |
| Earnings coverage of net charge-offs (x) | 6.1501% | 2,428 |
| Efficiency ratio | 76.1637% | 3,034 |
| Assets per employee ($millions) | 2.9682% | 6,175 |
| Cash dividends to net income (ytd only)* | 126.7963% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 2,642 |
| Loan loss allowance to noncurrent loans | 112.8988% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 2.3182% | 2,949 |
| Noncurrent loans to loans | 1.6558% | 4,022 |
| Net loans and leases to total assets | 45.7026% | 6,584 |
| Net loans and leases to deposits | 57.7825% | 6,277 |
| Net loans and leases to core deposits | 60.5946% | 6,350 |
| Total domestic deposits to total assets | 79.0942% | 6,060 |
| Equity capital to assets | 20.8106% | 218 |
| Core capital (leverage) ratio | 19.5164% | 259 |
| Tier 1 risk-based capital ratio | 33.5330% | 386 |
| Total risk-based capital ratio | 34.7861% | 376 |
| Memoranda: | ||
| Average total assets | $192,402,000 | 3,197 |
| Average earning assets | $163,410,600 | 3,387 |
| Average equity | $38,699,400 | 1,709 |
| Average total loans | $92,305,400 | 4,000 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8268% | 1,322 |
| Cost of funding earning assets | 0.9392% | 6,227 |
| Net interest margin | 4.8876% | 564 |
| Noninterest income to average assets | 1.1636% | 1,029 |
| Noninterest expense to average assets | 3.9589% | 1,102 |
| Loan and lease loss provision to assets | 0.4053% | 3,476 |
| Net operating income to assets | 0.6575% | 3,611 |
| Return on assets (ROA) | 0.6737% | 3,690 |
| Pretax return on assets | 0.9696% | 3,295 |
| Return on Equity (ROE) | 3.3776% | 5,063 |
| Retained earnings to average equity (ytd only) | -1.7975% | 6,161 |
| Net charge-offs to loans | 0.4529% | 3,488 |
| Credit loss provision to net charge-offs | 185.2201% | 1,952 |
| Earnings coverage of net charge-offs (x) | 6.1761% | 2,581 |
| Efficiency ratio | 74.5497% | 3,220 |
| Assets per employee ($millions) | 3.0532% | 6,019 |
| Cash dividends to net income (ytd only)* | 153.2177% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,083 |
| Loan loss allowance to noncurrent loans | 97.1387% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 2.1580% | 3,258 |
| Noncurrent loans to loans | 1.5172% | 4,360 |
| Net loans and leases to total assets | 46.0177% | 6,691 |
| Net loans and leases to deposits | 57.9044% | 6,467 |
| Net loans and leases to core deposits | 61.1161% | 6,532 |
| Total domestic deposits to total assets | 79.4718% | 5,876 |
| Equity capital to assets | 20.1310% | 278 |
| Core capital (leverage) ratio | 19.1826% | 288 |
| Tier 1 risk-based capital ratio | 32.5756% | 417 |
| Total risk-based capital ratio | 33.7386% | 410 |
| Memoranda: | ||
| Average total assets | $193,753,500 | 3,228 |
| Average earning assets | $164,384,750 | 3,417 |
| Average equity | $38,645,500 | 1,724 |
| Average total loans | $93,609,250 | 4,033 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8652% | 1,266 |
| Cost of funding earning assets | 0.9707% | 6,287 |
| Net interest margin | 4.8946% | 544 |
| Noninterest income to average assets | 1.1461% | 987 |
| Noninterest expense to average assets | 3.7679% | 1,421 |
| Loan and lease loss provision to assets | 0.4510% | 3,069 |
| Net operating income to assets | 0.8187% | 2,884 |
| Return on assets (ROA) | 0.8187% | 3,034 |
| Pretax return on assets | 1.0761% | 2,860 |
| Return on Equity (ROE) | 4.1170% | 4,727 |
| Retained earnings to average equity (ytd only) | -3.6510% | 6,396 |
| Net charge-offs to loans | 0.5798% | 2,797 |
| Credit loss provision to net charge-offs | 159.2727% | 2,471 |
| Earnings coverage of net charge-offs (x) | 5.3927% | 2,674 |
| Efficiency ratio | 71.1591% | 3,959 |
| Assets per employee ($millions) | 3.0528% | 6,031 |
| Cash dividends to net income (ytd only)* | 188.6792% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 4,849 |
| Loan loss allowance to noncurrent loans | 88.1798% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.1993% | 3,260 |
| Noncurrent loans to loans | 1.4864% | 4,474 |
| Net loans and leases to total assets | 46.8614% | 6,717 |
| Net loans and leases to deposits | 58.7945% | 6,513 |
| Net loans and leases to core deposits | 62.6581% | 6,497 |
| Total domestic deposits to total assets | 79.7038% | 5,818 |
| Equity capital to assets | 19.7245% | 299 |
| Core capital (leverage) ratio | 19.2123% | 280 |
| Tier 1 risk-based capital ratio | 31.6228% | 434 |
| Total risk-based capital ratio | 32.6649% | 434 |
| Memoranda: | ||
| Average total assets | $194,221,330 | 3,246 |
| Average earning assets | $164,630,670 | 3,429 |
| Average equity | $38,620,000 | 1,723 |
| Average total loans | $94,866,000 | 4,042 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 1,186 |
| Cost of funding earning assets | 0.9897% | 6,420 |
| Net interest margin | 4.9191% | 496 |
| Noninterest income to average assets | 0.9915% | 1,330 |
| Noninterest expense to average assets | 3.8214% | 1,296 |
| Loan and lease loss provision to assets | 0.5742% | 2,197 |
| Net operating income to assets | 0.7126% | 3,383 |
| Return on assets (ROA) | 0.7126% | 3,490 |
| Pretax return on assets | 0.7643% | 4,011 |
| Return on Equity (ROE) | 3.5694% | 5,083 |
| Retained earnings to average equity (ytd only) | -11.9499% | 7,063 |
| Net charge-offs to loans | 0.8549% | 1,831 |
| Credit loss provision to net charge-offs | 135.6098% | 2,606 |
| Earnings coverage of net charge-offs (x) | 3.1610% | 2,999 |
| Efficiency ratio | 74.0592% | 3,566 |
| Assets per employee ($millions) | 3.0478% | 6,105 |
| Cash dividends to net income (ytd only)* | 434.7826% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 5,557 |
| Loan loss allowance to noncurrent loans | 86.6821% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 3,410 |
| Noncurrent loans to loans | 1.3714% | 4,683 |
| Net loans and leases to total assets | 47.9839% | 6,677 |
| Net loans and leases to deposits | 59.8680% | 6,483 |
| Net loans and leases to core deposits | 63.9158% | 6,458 |
| Total domestic deposits to total assets | 80.1496% | 5,736 |
| Equity capital to assets | 19.5243% | 307 |
| Core capital (leverage) ratio | 19.1463% | 303 |
| Tier 1 risk-based capital ratio | 31.0584% | 471 |
| Total risk-based capital ratio | 32.0179% | 478 |
| Memoranda: | ||
| Average total assets | $193,644,000 | 3,310 |
| Average earning assets | $164,096,500 | 3,492 |
| Average equity | $38,661,500 | 1,738 |
| Average total loans | $95,913,000 | 4,078 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4681% | 719 |
| Cost of funding earning assets | 1.2303% | 6,547 |
| Net interest margin | 5.2378% | 272 |
| Noninterest income to average assets | 1.3587% | 804 |
| Noninterest expense to average assets | 3.9448% | 1,447 |
| Loan and lease loss provision to assets | 0.3206% | 4,893 |
| Net operating income to assets | 1.0766% | 1,576 |
| Return on assets (ROA) | 1.0766% | 1,627 |
| Pretax return on assets | 1.5615% | 1,050 |
| Return on Equity (ROE) | 5.3588% | 3,494 |
| Retained earnings to average equity (ytd only) | 1.4662% | 4,042 |
| Net charge-offs to loans | 0.7308% | 3,005 |
| Credit loss provision to net charge-offs | 82.1095% | 6,243 |
| Earnings coverage of net charge-offs (x) | 4.8198% | 2,805 |
| Efficiency ratio | 67.6986% | 5,060 |
| Assets per employee ($millions) | 3.0513% | 6,088 |
| Cash dividends to net income (ytd only)* | 72.6392% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 5,975 |
| Loan loss allowance to noncurrent loans | 80.9377% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 3,219 |
| Noncurrent loans to loans | 1.3398% | 4,684 |
| Net loans and leases to total assets | 49.9664% | 6,646 |
| Net loans and leases to deposits | 63.0125% | 6,362 |
| Net loans and leases to core deposits | 80.3188% | 6,059 |
| Total domestic deposits to total assets | 79.2960% | 5,904 |
| Equity capital to assets | 20.4126% | 275 |
| Core capital (leverage) ratio | 19.8811% | 287 |
| Tier 1 risk-based capital ratio | 31.7662% | 449 |
| Total risk-based capital ratio | 32.6558% | 461 |
| Memoranda: | ||
| Average total assets | $191,798,800 | 3,270 |
| Average earning assets | $163,618,200 | 3,450 |
| Average equity | $38,535,000 | 1,743 |
| Average total loans | $102,484,000 | 3,881 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5925% | 625 |
| Cost of funding earning assets | 1.2773% | 6,633 |
| Net interest margin | 5.3151% | 242 |
| Noninterest income to average assets | 1.4544% | 702 |
| Noninterest expense to average assets | 3.8916% | 1,444 |
| Loan and lease loss provision to assets | 0.3791% | 4,056 |
| Net operating income to assets | 1.1532% | 1,579 |
| Return on assets (ROA) | 1.1532% | 1,644 |
| Pretax return on assets | 1.7277% | 917 |
| Return on Equity (ROE) | 5.7630% | 3,622 |
| Retained earnings to average equity (ytd only) | 0.5492% | 4,980 |
| Net charge-offs to loans | 0.5355% | 3,075 |
| Credit loss provision to net charge-offs | 130.6954% | 3,830 |
| Earnings coverage of net charge-offs (x) | 7.2637% | 2,438 |
| Efficiency ratio | 64.8771% | 5,572 |
| Assets per employee ($millions) | 2.9938% | 6,171 |
| Cash dividends to net income (ytd only)* | 90.4705% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,543 |
| Loan loss allowance to noncurrent loans | 100.6891% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,934 |
| Noncurrent loans to loans | 1.2841% | 4,793 |
| Net loans and leases to total assets | 53.2249% | 6,469 |
| Net loans and leases to deposits | 67.4098% | 6,180 |
| Net loans and leases to core deposits | 86.3426% | 5,830 |
| Total domestic deposits to total assets | 78.9572% | 5,823 |
| Equity capital to assets | 20.5815% | 300 |
| Core capital (leverage) ratio | 19.5105% | 348 |
| Tier 1 risk-based capital ratio | 31.4449% | 495 |
| Total risk-based capital ratio | 32.5570% | 492 |
| Memoranda: | ||
| Average total assets | $191,691,250 | 3,297 |
| Average earning assets | $163,879,750 | 3,475 |
| Average equity | $38,359,000 | 1,775 |
| Average total loans | $103,829,250 | 3,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6621% | 584 |
| Cost of funding earning assets | 1.3254% | 6,715 |
| Net interest margin | 5.3367% | 232 |
| Noninterest income to average assets | 1.5193% | 644 |
| Noninterest expense to average assets | 3.9239% | 1,439 |
| Loan and lease loss provision to assets | 0.4099% | 3,473 |
| Net operating income to assets | 1.1768% | 1,543 |
| Return on assets (ROA) | 1.1768% | 1,625 |
| Pretax return on assets | 1.7487% | 932 |
| Return on Equity (ROE) | 5.9363% | 3,682 |
| Retained earnings to average equity (ytd only) | -1.9159% | 5,716 |
| Net charge-offs to loans | 0.3692% | 3,340 |
| Credit loss provision to net charge-offs | 204.6632% | 2,224 |
| Earnings coverage of net charge-offs (x) | 10.7772% | 1,961 |
| Efficiency ratio | 64.5112% | 5,804 |
| Assets per employee ($millions) | 2.9800% | 6,189 |
| Cash dividends to net income (ytd only)* | 132.2751% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 4,102 |
| Loan loss allowance to noncurrent loans | 857.4074% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 6,060 |
| Noncurrent loans to loans | 0.1550% | 7,135 |
| Net loans and leases to total assets | 53.2369% | 6,540 |
| Net loans and leases to deposits | 66.8436% | 6,314 |
| Net loans and leases to core deposits | 84.4479% | 6,062 |
| Total domestic deposits to total assets | 79.6440% | 5,574 |
| Equity capital to assets | 19.7597% | 402 |
| Core capital (leverage) ratio | 19.1116% | 409 |
| Tier 1 risk-based capital ratio | 30.1980% | 593 |
| Total risk-based capital ratio | 31.3428% | 585 |
| Memoranda: | ||
| Average total assets | $192,718,000 | 3,313 |
| Average earning assets | $164,783,330 | 3,475 |
| Average equity | $38,205,670 | 1,789 |
| Average total loans | $104,538,000 | 3,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7537% | 526 |
| Cost of funding earning assets | 1.3917% | 6,766 |
| Net interest margin | 5.3620% | 215 |
| Noninterest income to average assets | 1.1923% | 1,021 |
| Noninterest expense to average assets | 3.7477% | 1,569 |
| Loan and lease loss provision to assets | 0.1249% | 5,359 |
| Net operating income to assets | 1.2735% | 1,446 |
| Return on assets (ROA) | 1.2735% | 1,547 |
| Pretax return on assets | 1.8978% | 802 |
| Return on Equity (ROE) | 6.4132% | 3,852 |
| Retained earnings to average equity (ytd only) | -9.3055% | 7,039 |
| Net charge-offs to loans | 0.0497% | 4,781 |
| Credit loss provision to net charge-offs | 461.5385% | 1,153 |
| Earnings coverage of net charge-offs (x) | 74.7692% | 550 |
| Efficiency ratio | 64.9477% | 5,515 |
| Assets per employee ($millions) | 2.9767% | 6,222 |
| Cash dividends to net income (ytd only)* | 245.0980% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 4,952 |
| Loan loss allowance to noncurrent loans | 371.6867% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.8094% | 5,155 |
| Noncurrent loans to loans | 0.3168% | 6,649 |
| Net loans and leases to total assets | 53.5326% | 6,523 |
| Net loans and leases to deposits | 66.8506% | 6,290 |
| Net loans and leases to core deposits | 84.7401% | 6,002 |
| Total domestic deposits to total assets | 80.0779% | 5,341 |
| Equity capital to assets | 19.5050% | 446 |
| Core capital (leverage) ratio | 18.9468% | 454 |
| Tier 1 risk-based capital ratio | 29.3469% | 665 |
| Total risk-based capital ratio | 30.3500% | 662 |
| Memoranda: | ||
| Average total assets | $192,226,000 | 3,329 |
| Average earning assets | $164,117,000 | 3,512 |
| Average equity | $38,171,000 | 1,786 |
| Average total loans | $104,552,000 | 3,918 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2056% | 736 |
| Cost of funding earning assets | 2.0942% | 6,075 |
| Net interest margin | 5.1114% | 393 |
| Noninterest income to average assets | 1.3905% | 744 |
| Noninterest expense to average assets | 3.7257% | 1,900 |
| Loan and lease loss provision to assets | 0.0794% | 6,403 |
| Net operating income to assets | 1.2856% | 1,527 |
| Return on assets (ROA) | 1.2856% | 1,475 |
| Pretax return on assets | 1.9440% | 703 |
| Return on Equity (ROE) | 6.5568% | 3,725 |
| Retained earnings to average equity (ytd only) | 1.2648% | 4,463 |
| Net charge-offs to loans | 0.2099% | 4,109 |
| Credit loss provision to net charge-offs | 67.6991% | 6,114 |
| Earnings coverage of net charge-offs (x) | 17.2566% | 1,787 |
| Efficiency ratio | 64.8046% | 5,370 |
| Assets per employee ($millions) | 3.0312% | 5,982 |
| Cash dividends to net income (ytd only)* | 80.7103% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,002 |
| Loan loss allowance to noncurrent loans | 423.9286% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 4,962 |
| Noncurrent loans to loans | 0.2685% | 6,570 |
| Net loans and leases to total assets | 53.9912% | 6,653 |
| Net loans and leases to deposits | 68.1796% | 6,445 |
| Net loans and leases to core deposits | 85.3343% | 6,183 |
| Total domestic deposits to total assets | 79.1897% | 5,302 |
| Equity capital to assets | 20.2144% | 455 |
| Core capital (leverage) ratio | 19.6119% | 460 |
| Tier 1 risk-based capital ratio | 30.1330% | 639 |
| Total risk-based capital ratio | 31.1006% | 628 |
| Memoranda: | ||
| Average total assets | $192,743,200 | 3,233 |
| Average earning assets | $164,358,200 | 3,412 |
| Average equity | $37,792,600 | 1,787 |
| Average total loans | $107,666,800 | 3,746 |