Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5349% | 2,986 |
| Cost of funding earning assets | 0.2995% | 2,881 |
| Net interest margin | 3.2355% | 2,748 |
| Noninterest income to average assets | 1.5100% | 342 |
| Noninterest expense to average assets | 3.2558% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0349% | 2,439 |
| Return on assets (ROA) | 0.9510% | 2,715 |
| Pretax return on assets | 1.0992% | 2,771 |
| Return on Equity (ROE) | 11.7600% | 2,225 |
| Retained earnings to average equity (ytd only) | 7.3987% | 2,067 |
| Net charge-offs to loans | 0.0681% | 966 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 38.1383% | 1,537 |
| Efficiency ratio | 72.0531% | 1,435 |
| Assets per employee ($millions) | 6.2685% | 2,535 |
| Cash dividends to net income (ytd only)* | 37.0672% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0849% | 371 |
| Loan loss allowance to noncurrent loans | 1,782.6347% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 2,993 |
| Noncurrent loans to loans | 0.1170% | 2,943 |
| Net loans and leases to total assets | 46.9600% | 3,739 |
| Net loans and leases to deposits | 53.5161% | 3,704 |
| Net loans and leases to core deposits | 56.8971% | 3,684 |
| Total domestic deposits to total assets | 87.7400% | 2,164 |
| Equity capital to assets | 6.5524% | 3,880 |
| Core capital (leverage) ratio | 10.8549% | 1,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8515% | 1,152 |
| Memoranda: | ||
| Average total assets | $607,352,200 | 1,461 |
| Average earning assets | $550,000,000 | 1,501 |
| Average equity | $49,130,200 | 1,646 |
| Average total loans | $276,100,400 | 1,835 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3950% | 2,933 |
| Cost of funding earning assets | 0.2721% | 2,465 |
| Net interest margin | 3.1229% | 2,857 |
| Noninterest income to average assets | 1.3400% | 413 |
| Noninterest expense to average assets | 3.2533% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8111% | 3,210 |
| Return on assets (ROA) | 0.7795% | 3,279 |
| Pretax return on assets | 0.8957% | 3,332 |
| Return on Equity (ROE) | 9.2100% | 2,969 |
| Retained earnings to average equity (ytd only) | 5.0717% | 3,077 |
| Net charge-offs to loans | 0.0784% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 26.2733% | 1,589 |
| Efficiency ratio | 76.4669% | 1,036 |
| Assets per employee ($millions) | 5.6192% | 3,110 |
| Cash dividends to net income (ytd only)* | 44.9271% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 421 |
| Loan loss allowance to noncurrent loans | 506.0068% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 2,084 |
| Noncurrent loans to loans | 0.4133% | 1,780 |
| Net loans and leases to total assets | 48.3800% | 3,592 |
| Net loans and leases to deposits | 54.6409% | 3,570 |
| Net loans and leases to core deposits | 58.2211% | 3,485 |
| Total domestic deposits to total assets | 88.5500% | 2,256 |
| Equity capital to assets | 5.6113% | 4,097 |
| Core capital (leverage) ratio | 10.3311% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3494% | 1,324 |
| Memoranda: | ||
| Average total assets | $610,312,500 | 1,464 |
| Average earning assets | $554,178,500 | 1,498 |
| Average equity | $51,657,750 | 1,601 |
| Average total loans | $273,729,750 | 1,841 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2421% | 2,916 |
| Cost of funding earning assets | 0.2472% | 2,309 |
| Net interest margin | 2.9949% | 2,897 |
| Noninterest income to average assets | 1.2980% | 429 |
| Noninterest expense to average assets | 3.0817% | 751 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8382% | 2,829 |
| Return on assets (ROA) | 0.7973% | 2,938 |
| Pretax return on assets | 0.9081% | 3,037 |
| Return on Equity (ROE) | 8.5269% | 2,858 |
| Retained earnings to average equity (ytd only) | 4.8474% | 2,769 |
| Net charge-offs to loans | 0.0630% | 779 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 34.6118% | 1,332 |
| Efficiency ratio | 75.0400% | 1,385 |
| Assets per employee ($millions) | 5.5232% | 3,204 |
| Cash dividends to net income (ytd only)* | 43.1515% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 393 |
| Loan loss allowance to noncurrent loans | 505.5927% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 2,207 |
| Noncurrent loans to loans | 0.4320% | 1,827 |
| Net loans and leases to total assets | 44.6514% | 3,782 |
| Net loans and leases to deposits | 52.0492% | 3,679 |
| Net loans and leases to core deposits | 55.7345% | 3,589 |
| Total domestic deposits to total assets | 85.7870% | 3,303 |
| Equity capital to assets | 7.3365% | 3,576 |
| Core capital (leverage) ratio | 10.1567% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5158% | 1,300 |
| Memoranda: | ||
| Average total assets | $620,823,333 | 1,455 |
| Average earning assets | $566,233,667 | 1,479 |
| Average equity | $58,051,333 | 1,481 |
| Average total loans | $269,633,667 | 1,850 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1229% | 2,902 |
| Cost of funding earning assets | 0.2325% | 2,356 |
| Net interest margin | 2.8904% | 2,870 |
| Noninterest income to average assets | 1.3674% | 399 |
| Noninterest expense to average assets | 2.9937% | 825 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8942% | 2,293 |
| Return on assets (ROA) | 0.8045% | 2,636 |
| Pretax return on assets | 0.9301% | 2,661 |
| Return on Equity (ROE) | 7.7913% | 2,762 |
| Retained earnings to average equity (ytd only) | 4.4945% | 2,784 |
| Net charge-offs to loans | 0.0993% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 24.2576% | 1,215 |
| Efficiency ratio | 73.1459% | 1,842 |
| Assets per employee ($millions) | 5.6855% | 3,138 |
| Cash dividends to net income (ytd only)* | 42.3138% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2758% | 388 |
| Loan loss allowance to noncurrent loans | 554.4708% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 2,447 |
| Noncurrent loans to loans | 0.4105% | 2,021 |
| Net loans and leases to total assets | 41.3487% | 3,931 |
| Net loans and leases to deposits | 46.8015% | 3,937 |
| Net loans and leases to core deposits | 51.0429% | 3,803 |
| Total domestic deposits to total assets | 88.3490% | 2,362 |
| Equity capital to assets | 8.9246% | 2,782 |
| Core capital (leverage) ratio | 10.0545% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2792% | 1,428 |
| Memoranda: | ||
| Average total assets | $627,457,500 | 1,439 |
| Average earning assets | $574,599,000 | 1,460 |
| Average equity | $64,790,500 | 1,408 |
| Average total loans | $265,781,000 | 1,853 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2030% | 3,465 |
| Cost of funding earning assets | 0.2545% | 2,872 |
| Net interest margin | 2.9485% | 3,329 |
| Noninterest income to average assets | 2.0656% | 302 |
| Noninterest expense to average assets | 3.0678% | 891 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4323% | 1,177 |
| Return on assets (ROA) | 1.4759% | 1,125 |
| Pretax return on assets | 1.7634% | 993 |
| Return on Equity (ROE) | 12.1588% | 1,755 |
| Retained earnings to average equity (ytd only) | 9.3592% | 1,083 |
| Net charge-offs to loans | 0.0772% | 1,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.8244% | 1,310 |
| Efficiency ratio | 63.0878% | 2,700 |
| Assets per employee ($millions) | 5.6712% | 3,099 |
| Cash dividends to net income (ytd only)* | 23.0256% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3218% | 372 |
| Loan loss allowance to noncurrent loans | 553.8323% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2013% | 2,560 |
| Noncurrent loans to loans | 0.4192% | 2,096 |
| Net loans and leases to total assets | 41.4212% | 4,007 |
| Net loans and leases to deposits | 48.4377% | 3,970 |
| Net loans and leases to core deposits | 53.1553% | 3,819 |
| Total domestic deposits to total assets | 85.5144% | 3,087 |
| Equity capital to assets | 11.7435% | 1,371 |
| Core capital (leverage) ratio | 10.1867% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1226% | 1,234 |
| Memoranda: | ||
| Average total assets | $589,415,600 | 1,475 |
| Average earning assets | $539,807,600 | 1,492 |
| Average equity | $71,544,600 | 1,324 |
| Average total loans | $265,643,000 | 1,857 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2510% | 3,510 |
| Cost of funding earning assets | 0.2620% | 2,995 |
| Net interest margin | 2.9889% | 3,335 |
| Noninterest income to average assets | 2.2194% | 289 |
| Noninterest expense to average assets | 3.0162% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6220% | 980 |
| Return on assets (ROA) | 1.7097% | 849 |
| Pretax return on assets | 2.0541% | 729 |
| Return on Equity (ROE) | 13.9637% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.2058% | 1,010 |
| Net charge-offs to loans | 0.1048% | 718 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 40.3684% | 1,366 |
| Efficiency ratio | 59.6450% | 3,037 |
| Assets per employee ($millions) | 5.4665% | 3,228 |
| Cash dividends to net income (ytd only)* | 19.7503% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4943% | 289 |
| Loan loss allowance to noncurrent loans | 545.1155% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 2,728 |
| Noncurrent loans to loans | 0.4576% | 2,189 |
| Net loans and leases to total assets | 39.5433% | 4,231 |
| Net loans and leases to deposits | 46.2899% | 4,219 |
| Net loans and leases to core deposits | 50.9096% | 4,086 |
| Total domestic deposits to total assets | 85.4252% | 2,973 |
| Equity capital to assets | 11.9307% | 1,430 |
| Core capital (leverage) ratio | 10.3034% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9160% | 1,147 |
| Memoranda: | ||
| Average total assets | $580,812,500 | 1,509 |
| Average earning assets | $531,195,250 | 1,532 |
| Average equity | $71,116,000 | 1,353 |
| Average total loans | $265,919,000 | 1,881 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2654% | 3,525 |
| Cost of funding earning assets | 0.2726% | 3,064 |
| Net interest margin | 2.9929% | 3,343 |
| Noninterest income to average assets | 2.5385% | 236 |
| Noninterest expense to average assets | 2.9936% | 1,000 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8914% | 600 |
| Return on assets (ROA) | 2.0236% | 493 |
| Pretax return on assets | 2.4511% | 384 |
| Return on Equity (ROE) | 16.3785% | 884 |
| Retained earnings to average equity (ytd only) | 13.7218% | 595 |
| Net charge-offs to loans | 0.1681% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 28.4541% | 1,337 |
| Efficiency ratio | 55.5968% | 3,589 |
| Assets per employee ($millions) | 5.3103% | 3,339 |
| Cash dividends to net income (ytd only)* | 16.2204% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 345 |
| Loan loss allowance to noncurrent loans | 5,664.8148% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,966 |
| Noncurrent loans to loans | 0.0410% | 3,986 |
| Net loans and leases to total assets | 43.6991% | 4,058 |
| Net loans and leases to deposits | 51.5155% | 4,020 |
| Net loans and leases to core deposits | 56.8550% | 3,843 |
| Total domestic deposits to total assets | 84.8271% | 3,172 |
| Equity capital to assets | 12.4690% | 1,145 |
| Core capital (leverage) ratio | 10.3503% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5007% | 1,226 |
| Memoranda: | ||
| Average total assets | $572,156,333 | 1,519 |
| Average earning assets | $522,443,000 | 1,542 |
| Average equity | $70,690,333 | 1,350 |
| Average total loans | $272,532,333 | 1,871 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4098% | 3,167 |
| Cost of funding earning assets | 0.2878% | 3,122 |
| Net interest margin | 3.1219% | 2,921 |
| Noninterest income to average assets | 1.5141% | 588 |
| Noninterest expense to average assets | 3.0608% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1007% | 2,476 |
| Return on assets (ROA) | 1.4324% | 1,563 |
| Pretax return on assets | 1.7135% | 1,460 |
| Return on Equity (ROE) | 11.6502% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,965 |
| Net charge-offs to loans | 0.1675% | 482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 15.8103% | 1,334 |
| Efficiency ratio | 68.6951% | 1,845 |
| Assets per employee ($millions) | 5.3255% | 3,304 |
| Cash dividends to net income (ytd only)* | 23.2408% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3169% | 355 |
| Loan loss allowance to noncurrent loans | 1,635.1706% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 3,250 |
| Noncurrent loans to loans | 0.1417% | 3,608 |
| Net loans and leases to total assets | 45.6673% | 3,987 |
| Net loans and leases to deposits | 53.7847% | 3,954 |
| Net loans and leases to core deposits | 59.5598% | 3,735 |
| Total domestic deposits to total assets | 84.9076% | 3,139 |
| Equity capital to assets | 11.8377% | 1,370 |
| Core capital (leverage) ratio | 9.9841% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8241% | 1,629 |
| Memoranda: | ||
| Average total assets | $563,512,000 | 1,530 |
| Average earning assets | $514,171,000 | 1,550 |
| Average equity | $69,286,500 | 1,360 |
| Average total loans | $276,948,500 | 1,850 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 3,453 |
| Cost of funding earning assets | 0.4179% | 3,476 |
| Net interest margin | 3.3295% | 2,987 |
| Noninterest income to average assets | 1.7491% | 409 |
| Noninterest expense to average assets | 3.3821% | 805 |
| Loan and lease loss provision to assets | 0.1788% | 2,158 |
| Net operating income to assets | 1.0669% | 2,044 |
| Return on assets (ROA) | 1.0835% | 2,110 |
| Pretax return on assets | 1.2508% | 2,154 |
| Return on Equity (ROE) | 8.5115% | 2,597 |
| Retained earnings to average equity (ytd only) | 5.3582% | 2,115 |
| Net charge-offs to loans | 0.0885% | 1,573 |
| Credit loss provision to net charge-offs | 366.9323% | 1,533 |
| Earnings coverage of net charge-offs (x) | 28.7012% | 1,650 |
| Efficiency ratio | 69.2870% | 2,048 |
| Assets per employee ($millions) | 4.9718% | 3,421 |
| Cash dividends to net income (ytd only)* | 37.0477% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2269% | 385 |
| Loan loss allowance to noncurrent loans | 1,724.7283% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 3,343 |
| Noncurrent loans to loans | 0.1291% | 3,765 |
| Net loans and leases to total assets | 50.4943% | 3,788 |
| Net loans and leases to deposits | 61.2930% | 3,653 |
| Net loans and leases to core deposits | 68.5010% | 3,375 |
| Total domestic deposits to total assets | 82.3818% | 3,572 |
| Equity capital to assets | 12.7726% | 1,192 |
| Core capital (leverage) ratio | 10.0862% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9896% | 1,530 |
| Memoranda: | ||
| Average total assets | $515,190,400 | 1,500 |
| Average earning assets | $469,055,000 | 1,541 |
| Average equity | $65,582,000 | 1,366 |
| Average total loans | $283,536,200 | 1,750 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 3,479 |
| Cost of funding earning assets | 0.4528% | 3,511 |
| Net interest margin | 3.3763% | 2,989 |
| Noninterest income to average assets | 1.6260% | 449 |
| Noninterest expense to average assets | 3.3539% | 842 |
| Loan and lease loss provision to assets | 0.2427% | 1,675 |
| Net operating income to assets | 0.9773% | 2,423 |
| Return on assets (ROA) | 0.9870% | 2,518 |
| Pretax return on assets | 1.1246% | 2,662 |
| Return on Equity (ROE) | 7.7488% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.2045% | 2,471 |
| Net charge-offs to loans | 0.0951% | 1,359 |
| Credit loss provision to net charge-offs | 455.9406% | 1,354 |
| Earnings coverage of net charge-offs (x) | 25.3020% | 1,728 |
| Efficiency ratio | 69.6861% | 1,926 |
| Assets per employee ($millions) | 4.7514% | 3,538 |
| Cash dividends to net income (ytd only)* | 32.8350% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 352 |
| Loan loss allowance to noncurrent loans | 2,205.5172% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.1792% | 3,537 |
| Noncurrent loans to loans | 0.0999% | 3,976 |
| Net loans and leases to total assets | 52.8799% | 3,903 |
| Net loans and leases to deposits | 65.0333% | 3,699 |
| Net loans and leases to core deposits | 73.0886% | 3,391 |
| Total domestic deposits to total assets | 81.3121% | 3,589 |
| Equity capital to assets | 12.7753% | 1,294 |
| Core capital (leverage) ratio | 10.1578% | 2,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0765% | 1,805 |
| Memoranda: | ||
| Average total assets | $506,021,000 | 1,504 |
| Average earning assets | $460,811,500 | 1,540 |
| Average equity | $64,455,500 | 1,365 |
| Average total loans | $283,168,000 | 1,750 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 3,411 |
| Cost of funding earning assets | 0.4968% | 3,552 |
| Net interest margin | 3.4706% | 2,881 |
| Noninterest income to average assets | 1.5831% | 414 |
| Noninterest expense to average assets | 3.4225% | 827 |
| Loan and lease loss provision to assets | 0.2626% | 1,619 |
| Net operating income to assets | 0.9273% | 2,595 |
| Return on assets (ROA) | 0.9856% | 2,513 |
| Pretax return on assets | 1.1309% | 2,613 |
| Return on Equity (ROE) | 7.7461% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.0922% | 2,431 |
| Net charge-offs to loans | 0.1090% | 1,201 |
| Credit loss provision to net charge-offs | 425.4902% | 1,350 |
| Earnings coverage of net charge-offs (x) | 21.3399% | 1,657 |
| Efficiency ratio | 70.5226% | 1,883 |
| Assets per employee ($millions) | 4.7536% | 3,467 |
| Cash dividends to net income (ytd only)* | 34.2612% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1065% | 371 |
| Loan loss allowance to noncurrent loans | 2,845.6221% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 3,679 |
| Noncurrent loans to loans | 0.0740% | 4,167 |
| Net loans and leases to total assets | 54.8797% | 3,798 |
| Net loans and leases to deposits | 67.1148% | 3,634 |
| Net loans and leases to core deposits | 75.6099% | 3,315 |
| Total domestic deposits to total assets | 81.7699% | 3,433 |
| Equity capital to assets | 12.4672% | 1,390 |
| Core capital (leverage) ratio | 9.8702% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2626% | 1,709 |
| Memoranda: | ||
| Average total assets | $495,725,000 | 1,512 |
| Average earning assets | $450,869,000 | 1,536 |
| Average equity | $63,076,667 | 1,378 |
| Average total loans | $280,786,333 | 1,744 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,649 |
| Cost of funding earning assets | 0.6059% | 3,402 |
| Net interest margin | 3.4454% | 3,159 |
| Noninterest income to average assets | 1.6875% | 324 |
| Noninterest expense to average assets | 3.6753% | 720 |
| Loan and lease loss provision to assets | 0.1037% | 2,385 |
| Net operating income to assets | 0.9085% | 2,494 |
| Return on assets (ROA) | 0.9068% | 2,608 |
| Pretax return on assets | 1.0453% | 2,682 |
| Return on Equity (ROE) | 7.0494% | 2,924 |
| Retained earnings to average equity (ytd only) | 4.3535% | 2,553 |
| Net charge-offs to loans | 0.1835% | 738 |
| Credit loss provision to net charge-offs | 99.2063% | 1,858 |
| Earnings coverage of net charge-offs (x) | 10.9048% | 1,746 |
| Efficiency ratio | 74.6210% | 1,733 |
| Assets per employee ($millions) | 4.4339% | 3,355 |
| Cash dividends to net income (ytd only)* | 38.2434% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0094% | 494 |
| Loan loss allowance to noncurrent loans | 1,501.5873% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 3,616 |
| Noncurrent loans to loans | 0.1338% | 3,986 |
| Net loans and leases to total assets | 56.7527% | 3,774 |
| Net loans and leases to deposits | 70.7730% | 3,536 |
| Net loans and leases to core deposits | 80.8022% | 3,127 |
| Total domestic deposits to total assets | 80.1897% | 3,824 |
| Equity capital to assets | 13.0490% | 1,408 |
| Core capital (leverage) ratio | 10.3111% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6830% | 2,009 |
| Memoranda: | ||
| Average total assets | $482,137,500 | 1,506 |
| Average earning assets | $437,683,500 | 1,528 |
| Average equity | $62,019,500 | 1,387 |
| Average total loans | $274,609,000 | 1,741 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 2,985 |
| Cost of funding earning assets | 0.6962% | 3,172 |
| Net interest margin | 3.7926% | 2,522 |
| Noninterest income to average assets | 1.5855% | 369 |
| Noninterest expense to average assets | 3.7400% | 724 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1145% | 2,382 |
| Return on assets (ROA) | 1.1261% | 2,445 |
| Pretax return on assets | 1.2932% | 2,527 |
| Return on Equity (ROE) | 9.3412% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.4890% | 1,614 |
| Net charge-offs to loans | 0.0865% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.8201% | 1,759 |
| Efficiency ratio | 73.0754% | 1,721 |
| Assets per employee ($millions) | 4.1439% | 3,706 |
| Cash dividends to net income (ytd only)* | 30.5333% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 381 |
| Loan loss allowance to noncurrent loans | 753.9177% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 3,241 |
| Noncurrent loans to loans | 0.2823% | 3,432 |
| Net loans and leases to total assets | 54.7829% | 4,022 |
| Net loans and leases to deposits | 67.5264% | 3,862 |
| Net loans and leases to core deposits | 77.0716% | 3,509 |
| Total domestic deposits to total assets | 81.1280% | 3,738 |
| Equity capital to assets | 12.3680% | 1,903 |
| Core capital (leverage) ratio | 10.0283% | 3,487 |
| Tier 1 risk-based capital ratio | 13.4113% | 3,572 |
| Total risk-based capital ratio | 14.6663% | 3,450 |
| Memoranda: | ||
| Average total assets | $466,224,000 | 1,507 |
| Average earning assets | $421,265,400 | 1,541 |
| Average equity | $56,202,400 | 1,440 |
| Average total loans | $276,380,400 | 1,708 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5560% | 2,871 |
| Cost of funding earning assets | 0.7196% | 3,111 |
| Net interest margin | 3.8365% | 2,484 |
| Noninterest income to average assets | 1.6857% | 343 |
| Noninterest expense to average assets | 3.7240% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2429% | 2,039 |
| Return on assets (ROA) | 1.2365% | 2,148 |
| Pretax return on assets | 1.4301% | 2,191 |
| Return on Equity (ROE) | 10.3267% | 2,282 |
| Retained earnings to average equity (ytd only) | 7.4760% | 1,636 |
| Net charge-offs to loans | 0.0459% | 2,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 51.5716% | 1,168 |
| Efficiency ratio | 70.8508% | 1,990 |
| Assets per employee ($millions) | 3.9853% | 3,929 |
| Cash dividends to net income (ytd only)* | 27.6047% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 398 |
| Loan loss allowance to noncurrent loans | 687.9433% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,199 |
| Noncurrent loans to loans | 0.3037% | 3,446 |
| Net loans and leases to total assets | 60.0363% | 3,669 |
| Net loans and leases to deposits | 74.7018% | 3,417 |
| Net loans and leases to core deposits | 84.6157% | 3,035 |
| Total domestic deposits to total assets | 80.3679% | 3,906 |
| Equity capital to assets | 12.8898% | 1,691 |
| Core capital (leverage) ratio | 10.0920% | 3,541 |
| Tier 1 risk-based capital ratio | 13.0746% | 3,808 |
| Total risk-based capital ratio | 14.3299% | 3,713 |
| Memoranda: | ||
| Average total assets | $463,644,250 | 1,519 |
| Average earning assets | $418,396,750 | 1,555 |
| Average equity | $55,518,250 | 1,451 |
| Average total loans | $278,790,250 | 1,707 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5359% | 2,894 |
| Cost of funding earning assets | 0.7043% | 3,147 |
| Net interest margin | 3.8316% | 2,473 |
| Noninterest income to average assets | 1.5306% | 386 |
| Noninterest expense to average assets | 3.7317% | 721 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1041% | 2,509 |
| Return on assets (ROA) | 1.1702% | 2,333 |
| Pretax return on assets | 1.3472% | 2,391 |
| Return on Equity (ROE) | 10.0213% | 2,373 |
| Retained earnings to average equity (ytd only) | 7.1921% | 1,728 |
| Net charge-offs to loans | 0.0516% | 1,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 40.9306% | 1,231 |
| Efficiency ratio | 73.2756% | 1,735 |
| Assets per employee ($millions) | 3.1547% | 4,804 |
| Cash dividends to net income (ytd only)* | 28.2314% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 416 |
| Loan loss allowance to noncurrent loans | 570.8008% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,044 |
| Noncurrent loans to loans | 0.3617% | 3,236 |
| Net loans and leases to total assets | 60.1970% | 3,716 |
| Net loans and leases to deposits | 75.1673% | 3,412 |
| Net loans and leases to core deposits | 85.0293% | 3,028 |
| Total domestic deposits to total assets | 80.0839% | 4,024 |
| Equity capital to assets | 12.3321% | 1,954 |
| Core capital (leverage) ratio | 9.7099% | 3,925 |
| Tier 1 risk-based capital ratio | 12.5680% | 4,091 |
| Total risk-based capital ratio | 13.8233% | 3,980 |
| Memoranda: | ||
| Average total assets | $466,751,670 | 1,518 |
| Average earning assets | $421,968,000 | 1,549 |
| Average equity | $54,504,000 | 1,471 |
| Average total loans | $278,861,000 | 1,716 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 2,808 |
| Cost of funding earning assets | 0.6887% | 3,109 |
| Net interest margin | 3.8286% | 2,424 |
| Noninterest income to average assets | 1.5171% | 377 |
| Noninterest expense to average assets | 3.7247% | 728 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0948% | 2,494 |
| Return on assets (ROA) | 1.1842% | 2,163 |
| Pretax return on assets | 1.3767% | 2,164 |
| Return on Equity (ROE) | 10.4281% | 2,181 |
| Retained earnings to average equity (ytd only) | 7.5418% | 1,823 |
| Net charge-offs to loans | 0.0390% | 1,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 54.8889% | 968 |
| Efficiency ratio | 73.5189% | 1,816 |
| Assets per employee ($millions) | 4.2323% | 3,577 |
| Cash dividends to net income (ytd only)* | 27.6779% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 408 |
| Loan loss allowance to noncurrent loans | 473.3923% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 2,928 |
| Noncurrent loans to loans | 0.4474% | 2,980 |
| Net loans and leases to total assets | 58.9934% | 3,784 |
| Net loans and leases to deposits | 73.2951% | 3,509 |
| Net loans and leases to core deposits | 82.5223% | 3,145 |
| Total domestic deposits to total assets | 80.4876% | 4,075 |
| Equity capital to assets | 11.8296% | 2,133 |
| Core capital (leverage) ratio | 9.4272% | 4,232 |
| Tier 1 risk-based capital ratio | 12.3877% | 4,241 |
| Total risk-based capital ratio | 13.6433% | 4,103 |
| Memoranda: | ||
| Average total assets | $469,833,500 | 1,523 |
| Average earning assets | $425,742,000 | 1,545 |
| Average equity | $53,356,000 | 1,489 |
| Average total loans | $276,739,000 | 1,731 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,969 |
| Cost of funding earning assets | 0.6265% | 2,544 |
| Net interest margin | 3.7118% | 2,989 |
| Noninterest income to average assets | 1.3284% | 522 |
| Noninterest expense to average assets | 3.4504% | 1,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1133% | 2,539 |
| Return on assets (ROA) | 1.0952% | 2,617 |
| Pretax return on assets | 1.2389% | 2,743 |
| Return on Equity (ROE) | 10.0510% | 2,495 |
| Retained earnings to average equity (ytd only) | 7.0971% | 1,631 |
| Net charge-offs to loans | 0.0022% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 959.1667% | 112 |
| Efficiency ratio | 72.0080% | 1,895 |
| Assets per employee ($millions) | 4.5556% | 3,076 |
| Cash dividends to net income (ytd only)* | 29.3895% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1479% | 367 |
| Loan loss allowance to noncurrent loans | 845.1429% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 3,432 |
| Noncurrent loans to loans | 0.2541% | 3,671 |
| Net loans and leases to total assets | 56.3450% | 4,109 |
| Net loans and leases to deposits | 69.6943% | 3,851 |
| Net loans and leases to core deposits | 78.2116% | 3,564 |
| Total domestic deposits to total assets | 80.8459% | 3,930 |
| Equity capital to assets | 10.9000% | 2,791 |
| Core capital (leverage) ratio | 9.6781% | 3,919 |
| Tier 1 risk-based capital ratio | 12.6346% | 4,054 |
| Total risk-based capital ratio | 13.8902% | 3,936 |
| Memoranda: | ||
| Average total assets | $459,194,000 | 1,517 |
| Average earning assets | $417,556,800 | 1,534 |
| Average equity | $50,034,800 | 1,520 |
| Average total loans | $268,838,200 | 1,735 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 3,002 |
| Cost of funding earning assets | 0.6111% | 2,400 |
| Net interest margin | 3.6784% | 3,096 |
| Noninterest income to average assets | 1.2629% | 600 |
| Noninterest expense to average assets | 3.4441% | 1,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0422% | 2,903 |
| Return on assets (ROA) | 1.0346% | 2,951 |
| Pretax return on assets | 1.1681% | 3,130 |
| Return on Equity (ROE) | 9.4957% | 2,850 |
| Retained earnings to average equity (ytd only) | 6.5522% | 2,361 |
| Net charge-offs to loans | -0.0130% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3405% | 1,679 |
| Assets per employee ($millions) | 4.5739% | 3,009 |
| Cash dividends to net income (ytd only)* | 30.9983% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 321 |
| Loan loss allowance to noncurrent loans | 731.6113% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 3,352 |
| Noncurrent loans to loans | 0.3083% | 3,568 |
| Net loans and leases to total assets | 56.9323% | 4,137 |
| Net loans and leases to deposits | 70.6633% | 3,869 |
| Net loans and leases to core deposits | 80.0478% | 3,491 |
| Total domestic deposits to total assets | 80.5684% | 3,982 |
| Equity capital to assets | 10.8729% | 2,778 |
| Core capital (leverage) ratio | 9.7105% | 3,933 |
| Tier 1 risk-based capital ratio | 12.9225% | 3,953 |
| Total risk-based capital ratio | 14.1788% | 3,853 |
| Memoranda: | ||
| Average total assets | $454,407,250 | 1,536 |
| Average earning assets | $414,080,500 | 1,557 |
| Average equity | $49,508,750 | 1,539 |
| Average total loans | $267,188,500 | 1,750 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,991 |
| Cost of funding earning assets | 0.5786% | 2,372 |
| Net interest margin | 3.6581% | 3,084 |
| Noninterest income to average assets | 1.0714% | 838 |
| Noninterest expense to average assets | 3.4233% | 1,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8911% | 3,491 |
| Return on assets (ROA) | 0.8968% | 3,474 |
| Pretax return on assets | 0.9949% | 3,680 |
| Return on Equity (ROE) | 8.2258% | 3,408 |
| Retained earnings to average equity (ytd only) | 5.3709% | 2,893 |
| Net charge-offs to loans | -0.0201% | 4,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6962% | 1,348 |
| Assets per employee ($millions) | 4.4386% | 3,222 |
| Cash dividends to net income (ytd only)* | 34.7059% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 346 |
| Loan loss allowance to noncurrent loans | 656.0088% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 3,336 |
| Noncurrent loans to loans | 0.3421% | 3,475 |
| Net loans and leases to total assets | 57.2419% | 4,064 |
| Net loans and leases to deposits | 71.1847% | 3,768 |
| Net loans and leases to core deposits | 80.9145% | 3,328 |
| Total domestic deposits to total assets | 80.4132% | 4,150 |
| Equity capital to assets | 10.8978% | 2,734 |
| Core capital (leverage) ratio | 9.3716% | 4,281 |
| Tier 1 risk-based capital ratio | 12.7746% | 4,023 |
| Total risk-based capital ratio | 14.0315% | 3,922 |
| Memoranda: | ||
| Average total assets | $454,938,000 | 1,544 |
| Average earning assets | $415,520,000 | 1,560 |
| Average equity | $49,600,330 | 1,539 |
| Average total loans | $268,336,000 | 1,743 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 2,970 |
| Cost of funding earning assets | 0.5485% | 2,417 |
| Net interest margin | 3.6254% | 3,089 |
| Noninterest income to average assets | 1.1201% | 745 |
| Noninterest expense to average assets | 3.5137% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8315% | 3,586 |
| Return on assets (ROA) | 0.8227% | 3,630 |
| Pretax return on assets | 0.9140% | 3,802 |
| Return on Equity (ROE) | 7.5445% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.6972% | 3,311 |
| Net charge-offs to loans | -0.0207% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3116% | 1,321 |
| Assets per employee ($millions) | 5.9148% | 1,585 |
| Cash dividends to net income (ytd only)* | 37.7399% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2213% | 376 |
| Loan loss allowance to noncurrent loans | 729.2383% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,477 |
| Noncurrent loans to loans | 0.3046% | 3,678 |
| Net loans and leases to total assets | 57.3720% | 4,005 |
| Net loans and leases to deposits | 70.3792% | 3,752 |
| Net loans and leases to core deposits | 79.6016% | 3,355 |
| Total domestic deposits to total assets | 81.5185% | 4,088 |
| Equity capital to assets | 10.7922% | 2,774 |
| Core capital (leverage) ratio | 9.2565% | 4,370 |
| Tier 1 risk-based capital ratio | 12.5753% | 4,193 |
| Total risk-based capital ratio | 13.8319% | 4,097 |
| Memoranda: | ||
| Average total assets | $456,040,500 | 1,551 |
| Average earning assets | $417,169,000 | 1,564 |
| Average equity | $49,731,500 | 1,541 |
| Average total loans | $269,952,500 | 1,740 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,686 |
| Cost of funding earning assets | 0.4978% | 2,352 |
| Net interest margin | 3.7006% | 2,798 |
| Noninterest income to average assets | 1.3009% | 625 |
| Noninterest expense to average assets | 3.2189% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1335% | 1,742 |
| Return on assets (ROA) | 1.0790% | 1,957 |
| Pretax return on assets | 1.4341% | 1,874 |
| Return on Equity (ROE) | 9.4635% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.4469% | 3,868 |
| Net charge-offs to loans | -0.0620% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7988% | 2,930 |
| Assets per employee ($millions) | 6.0886% | 1,461 |
| Cash dividends to net income (ytd only)* | 74.1438% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 393 |
| Loan loss allowance to noncurrent loans | 710.0719% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 3,483 |
| Noncurrent loans to loans | 0.3059% | 3,684 |
| Net loans and leases to total assets | 58.4161% | 3,973 |
| Net loans and leases to deposits | 71.7014% | 3,729 |
| Net loans and leases to core deposits | 80.2934% | 3,396 |
| Total domestic deposits to total assets | 81.4713% | 4,008 |
| Equity capital to assets | 11.0176% | 2,606 |
| Core capital (leverage) ratio | 9.5186% | 4,017 |
| Tier 1 risk-based capital ratio | 12.7792% | 4,045 |
| Total risk-based capital ratio | 14.0363% | 3,936 |
| Memoranda: | ||
| Average total assets | $433,010,800 | 1,597 |
| Average earning assets | $398,371,400 | 1,603 |
| Average equity | $49,368,400 | 1,533 |
| Average total loans | $269,143,400 | 1,715 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 2,623 |
| Cost of funding earning assets | 0.4741% | 2,487 |
| Net interest margin | 3.7243% | 2,678 |
| Noninterest income to average assets | 1.2503% | 672 |
| Noninterest expense to average assets | 3.1046% | 1,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2336% | 1,565 |
| Return on assets (ROA) | 1.1884% | 1,778 |
| Pretax return on assets | 1.5315% | 1,666 |
| Return on Equity (ROE) | 10.3309% | 1,976 |
| Retained earnings to average equity (ytd only) | 1.8887% | 4,680 |
| Net charge-offs to loans | -0.1059% | 5,395 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9528% | 3,219 |
| Assets per employee ($millions) | 5.6086% | 1,819 |
| Cash dividends to net income (ytd only)* | 81.7180% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1958% | 410 |
| Loan loss allowance to noncurrent loans | 612.9363% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,417 |
| Noncurrent loans to loans | 0.3583% | 3,668 |
| Net loans and leases to total assets | 60.0137% | 3,860 |
| Net loans and leases to deposits | 73.7811% | 3,599 |
| Net loans and leases to core deposits | 82.5726% | 3,242 |
| Total domestic deposits to total assets | 81.3403% | 3,961 |
| Equity capital to assets | 11.3136% | 2,560 |
| Core capital (leverage) ratio | 10.1381% | 3,397 |
| Tier 1 risk-based capital ratio | 13.1264% | 3,924 |
| Total risk-based capital ratio | 14.3841% | 3,826 |
| Memoranda: | ||
| Average total assets | $427,102,750 | 1,625 |
| Average earning assets | $393,193,250 | 1,629 |
| Average equity | $49,132,750 | 1,550 |
| Average total loans | $268,260,500 | 1,726 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1968% | 2,484 |
| Cost of funding earning assets | 0.4251% | 2,847 |
| Net interest margin | 3.7717% | 2,398 |
| Noninterest income to average assets | 1.0143% | 988 |
| Noninterest expense to average assets | 3.0210% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1095% | 1,930 |
| Return on assets (ROA) | 1.1380% | 1,881 |
| Pretax return on assets | 1.5051% | 1,613 |
| Return on Equity (ROE) | 9.8359% | 2,111 |
| Retained earnings to average equity (ytd only) | -1.4631% | 5,286 |
| Net charge-offs to loans | 0.0359% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 64.6875% | 893 |
| Efficiency ratio | 67.0747% | 3,173 |
| Assets per employee ($millions) | 5.3231% | 2,034 |
| Cash dividends to net income (ytd only)* | 114.8750% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 485 |
| Loan loss allowance to noncurrent loans | 324.0068% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,703 |
| Noncurrent loans to loans | 0.6572% | 2,776 |
| Net loans and leases to total assets | 62.3988% | 3,583 |
| Net loans and leases to deposits | 77.3985% | 3,168 |
| Net loans and leases to core deposits | 86.8686% | 2,805 |
| Total domestic deposits to total assets | 80.6203% | 4,279 |
| Equity capital to assets | 11.6858% | 2,164 |
| Core capital (leverage) ratio | 9.7938% | 3,785 |
| Tier 1 risk-based capital ratio | 12.4777% | 4,319 |
| Total risk-based capital ratio | 13.7341% | 4,208 |
| Memoranda: | ||
| Average total assets | $421,778,000 | 1,643 |
| Average earning assets | $389,055,670 | 1,647 |
| Average equity | $48,801,000 | 1,565 |
| Average total loans | $267,055,000 | 1,736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 2,428 |
| Cost of funding earning assets | 0.3920% | 3,084 |
| Net interest margin | 3.7685% | 2,230 |
| Noninterest income to average assets | 1.0587% | 898 |
| Noninterest expense to average assets | 2.8485% | 2,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2912% | 1,265 |
| Return on assets (ROA) | 1.2926% | 1,291 |
| Pretax return on assets | 1.7083% | 985 |
| Return on Equity (ROE) | 11.2275% | 1,491 |
| Retained earnings to average equity (ytd only) | -8.5379% | 5,545 |
| Net charge-offs to loans | -0.0180% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5364% | 4,069 |
| Assets per employee ($millions) | 5.5419% | 1,847 |
| Cash dividends to net income (ytd only)* | 176.0440% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 497 |
| Loan loss allowance to noncurrent loans | 282.2407% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 2,657 |
| Noncurrent loans to loans | 0.7694% | 2,549 |
| Net loans and leases to total assets | 61.7029% | 3,579 |
| Net loans and leases to deposits | 74.7891% | 3,323 |
| Net loans and leases to core deposits | 77.2352% | 3,540 |
| Total domestic deposits to total assets | 82.5025% | 4,012 |
| Equity capital to assets | 11.4357% | 2,231 |
| Core capital (leverage) ratio | 11.1790% | 2,209 |
| Tier 1 risk-based capital ratio | 14.9416% | 2,993 |
| Total risk-based capital ratio | 16.1990% | 2,919 |
| Memoranda: | ||
| Average total assets | $422,403,500 | 1,656 |
| Average earning assets | $391,879,500 | 1,650 |
| Average equity | $48,630,500 | 1,566 |
| Average total loans | $266,526,000 | 1,748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1545% | 2,643 |
| Cost of funding earning assets | 0.4330% | 2,680 |
| Net interest margin | 3.7216% | 2,604 |
| Noninterest income to average assets | 0.6769% | 2,284 |
| Noninterest expense to average assets | 2.7885% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0626% | 2,075 |
| Return on assets (ROA) | 1.0845% | 2,064 |
| Pretax return on assets | 1.3949% | 1,963 |
| Return on Equity (ROE) | 9.0103% | 2,409 |
| Retained earnings to average equity (ytd only) | 2.1773% | 4,293 |
| Net charge-offs to loans | 0.2287% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.6320% | 2,734 |
| Efficiency ratio | 67.1069% | 3,415 |
| Assets per employee ($millions) | 5.7247% | 1,674 |
| Cash dividends to net income (ytd only)* | 75.8359% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 497 |
| Loan loss allowance to noncurrent loans | 285.3743% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6831% | 2,662 |
| Noncurrent loans to loans | 0.7543% | 2,647 |
| Net loans and leases to total assets | 61.7634% | 3,640 |
| Net loans and leases to deposits | 75.8513% | 3,331 |
| Net loans and leases to core deposits | 78.4972% | 3,534 |
| Total domestic deposits to total assets | 81.4270% | 4,225 |
| Equity capital to assets | 11.5895% | 2,091 |
| Core capital (leverage) ratio | 11.6392% | 1,834 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,852 |
| Total risk-based capital ratio | 16.5252% | 2,782 |
| Memoranda: | ||
| Average total assets | $413,661,200 | 1,633 |
| Average earning assets | $386,636,400 | 1,618 |
| Average equity | $49,787,200 | 1,524 |
| Average total loans | $256,626,400 | 1,755 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,627 |
| Cost of funding earning assets | 0.4417% | 2,621 |
| Net interest margin | 3.7236% | 2,626 |
| Noninterest income to average assets | 0.6035% | 2,644 |
| Noninterest expense to average assets | 2.7741% | 3,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0303% | 2,291 |
| Return on assets (ROA) | 1.0584% | 2,284 |
| Pretax return on assets | 1.3532% | 2,224 |
| Return on Equity (ROE) | 8.7107% | 2,656 |
| Retained earnings to average equity (ytd only) | 0.7766% | 5,155 |
| Net charge-offs to loans | -0.2000% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8053% | 3,261 |
| Assets per employee ($millions) | 5.5573% | 1,797 |
| Cash dividends to net income (ytd only)* | 91.0846% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 302 |
| Loan loss allowance to noncurrent loans | 772.8736% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 3,699 |
| Noncurrent loans to loans | 0.3338% | 4,059 |
| Net loans and leases to total assets | 62.5824% | 3,572 |
| Net loans and leases to deposits | 78.0490% | 3,181 |
| Net loans and leases to core deposits | 80.8496% | 3,365 |
| Total domestic deposits to total assets | 80.1834% | 4,473 |
| Equity capital to assets | 12.3842% | 1,849 |
| Core capital (leverage) ratio | 11.4793% | 2,050 |
| Tier 1 risk-based capital ratio | 16.6254% | 2,371 |
| Total risk-based capital ratio | 17.8893% | 2,308 |
| Memoranda: | ||
| Average total assets | $411,170,000 | 1,642 |
| Average earning assets | $385,139,500 | 1,622 |
| Average equity | $49,960,000 | 1,528 |
| Average total loans | $253,932,500 | 1,772 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 2,738 |
| Cost of funding earning assets | 0.4488% | 2,581 |
| Net interest margin | 3.6846% | 2,755 |
| Noninterest income to average assets | 0.5835% | 2,704 |
| Noninterest expense to average assets | 2.7501% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0031% | 2,383 |
| Return on assets (ROA) | 1.0450% | 2,328 |
| Pretax return on assets | 1.3380% | 2,255 |
| Return on Equity (ROE) | 8.6551% | 2,667 |
| Retained earnings to average equity (ytd only) | -1.8971% | 5,527 |
| Net charge-offs to loans | -0.3067% | 5,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1671% | 3,307 |
| Assets per employee ($millions) | 5.4546% | 1,840 |
| Cash dividends to net income (ytd only)* | 121.9184% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 311 |
| Loan loss allowance to noncurrent loans | 722.1030% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 3,739 |
| Noncurrent loans to loans | 0.3636% | 4,062 |
| Net loans and leases to total assets | 61.0070% | 3,750 |
| Net loans and leases to deposits | 75.8298% | 3,403 |
| Net loans and leases to core deposits | 78.4521% | 3,609 |
| Total domestic deposits to total assets | 80.4526% | 4,427 |
| Equity capital to assets | 12.2387% | 1,951 |
| Core capital (leverage) ratio | 11.2659% | 2,179 |
| Tier 1 risk-based capital ratio | 16.5147% | 2,420 |
| Total risk-based capital ratio | 17.7790% | 2,362 |
| Memoranda: | ||
| Average total assets | $412,998,000 | 1,636 |
| Average earning assets | $386,795,670 | 1,615 |
| Average equity | $49,866,330 | 1,527 |
| Average total loans | $251,706,000 | 1,789 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 2,735 |
| Cost of funding earning assets | 0.4670% | 2,404 |
| Net interest margin | 3.6609% | 2,847 |
| Noninterest income to average assets | 0.5254% | 2,958 |
| Noninterest expense to average assets | 2.6808% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9948% | 2,303 |
| Return on assets (ROA) | 0.9948% | 2,419 |
| Pretax return on assets | 1.2753% | 2,403 |
| Return on Equity (ROE) | 8.2949% | 2,761 |
| Retained earnings to average equity (ytd only) | 2.1943% | 4,381 |
| Net charge-offs to loans | -0.5228% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7632% | 3,503 |
| Assets per employee ($millions) | 5.6833% | 1,678 |
| Cash dividends to net income (ytd only)* | 73.5465% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6731% | 325 |
| Loan loss allowance to noncurrent loans | 895.3020% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,961 |
| Noncurrent loans to loans | 0.2986% | 4,361 |
| Net loans and leases to total assets | 58.5357% | 3,982 |
| Net loans and leases to deposits | 72.5236% | 3,601 |
| Net loans and leases to core deposits | 76.0966% | 3,675 |
| Total domestic deposits to total assets | 80.7126% | 4,577 |
| Equity capital to assets | 12.1394% | 1,931 |
| Core capital (leverage) ratio | 11.2768% | 2,167 |
| Tier 1 risk-based capital ratio | 17.2555% | 2,190 |
| Total risk-based capital ratio | 18.5200% | 2,157 |
| Memoranda: | ||
| Average total assets | $414,948,500 | 1,636 |
| Average earning assets | $388,870,500 | 1,611 |
| Average equity | $49,765,500 | 1,533 |
| Average total loans | $249,405,000 | 1,802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 2,873 |
| Cost of funding earning assets | 0.5670% | 1,616 |
| Net interest margin | 3.5440% | 3,355 |
| Noninterest income to average assets | 0.5778% | 2,846 |
| Noninterest expense to average assets | 2.7354% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9129% | 2,800 |
| Return on assets (ROA) | 0.9922% | 2,502 |
| Pretax return on assets | 1.2683% | 2,406 |
| Return on Equity (ROE) | 8.5430% | 2,699 |
| Retained earnings to average equity (ytd only) | 3.5575% | 3,530 |
| Net charge-offs to loans | 0.7466% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.6409% | 3,858 |
| Efficiency ratio | 70.1016% | 3,204 |
| Assets per employee ($millions) | 5.5335% | 1,758 |
| Cash dividends to net income (ytd only)* | 58.3576% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5449% | 373 |
| Loan loss allowance to noncurrent loans | 463.7427% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 3,715 |
| Noncurrent loans to loans | 0.5488% | 3,522 |
| Net loans and leases to total assets | 58.5381% | 4,014 |
| Net loans and leases to deposits | 72.0851% | 3,710 |
| Net loans and leases to core deposits | 75.6007% | 3,791 |
| Total domestic deposits to total assets | 81.2069% | 4,423 |
| Equity capital to assets | 11.8470% | 2,075 |
| Core capital (leverage) ratio | 11.5285% | 1,943 |
| Tier 1 risk-based capital ratio | 17.2336% | 2,208 |
| Total risk-based capital ratio | 18.4968% | 2,159 |
| Memoranda: | ||
| Average total assets | $416,060,200 | 1,587 |
| Average earning assets | $390,270,600 | 1,561 |
| Average equity | $48,320,400 | 1,541 |
| Average total loans | $246,169,400 | 1,750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,991 |
| Cost of funding earning assets | 0.5967% | 1,428 |
| Net interest margin | 3.4927% | 3,566 |
| Noninterest income to average assets | 0.5339% | 3,141 |
| Noninterest expense to average assets | 2.7401% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8427% | 3,205 |
| Return on assets (ROA) | 0.9444% | 2,841 |
| Pretax return on assets | 1.1994% | 2,823 |
| Return on Equity (ROE) | 8.1729% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.2587% | 4,754 |
| Net charge-offs to loans | 0.8911% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.0384% | 3,741 |
| Efficiency ratio | 71.9052% | 2,899 |
| Assets per employee ($millions) | 5.2533% | 1,996 |
| Cash dividends to net income (ytd only)* | 72.3635% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7137% | 333 |
| Loan loss allowance to noncurrent loans | 195.8096% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.9775% | 2,405 |
| Noncurrent loans to loans | 1.3859% | 1,844 |
| Net loans and leases to total assets | 57.9790% | 4,142 |
| Net loans and leases to deposits | 72.0424% | 3,763 |
| Net loans and leases to core deposits | 75.8844% | 3,818 |
| Total domestic deposits to total assets | 80.4790% | 4,610 |
| Equity capital to assets | 12.0332% | 2,080 |
| Core capital (leverage) ratio | 11.1159% | 2,380 |
| Tier 1 risk-based capital ratio | 17.4079% | 2,213 |
| Total risk-based capital ratio | 18.6731% | 2,162 |
| Memoranda: | ||
| Average total assets | $416,321,500 | 1,599 |
| Average earning assets | $390,597,500 | 1,571 |
| Average equity | $48,108,750 | 1,555 |
| Average total loans | $245,390,250 | 1,764 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,029 |
| Cost of funding earning assets | 0.6189% | 1,291 |
| Net interest margin | 3.4461% | 3,732 |
| Noninterest income to average assets | 0.4845% | 3,471 |
| Noninterest expense to average assets | 2.5908% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8858% | 2,960 |
| Return on assets (ROA) | 0.9061% | 2,967 |
| Pretax return on assets | 1.1521% | 2,965 |
| Return on Equity (ROE) | 7.9466% | 3,087 |
| Retained earnings to average equity (ytd only) | 0.1169% | 5,471 |
| Net charge-offs to loans | 0.3233% | 814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.9323% | 2,859 |
| Efficiency ratio | 69.6966% | 3,386 |
| Assets per employee ($millions) | 5.3293% | 1,902 |
| Cash dividends to net income (ytd only)* | 98.5294% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1632% | 230 |
| Loan loss allowance to noncurrent loans | 177.6358% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.2172% | 2,079 |
| Noncurrent loans to loans | 1.7807% | 1,442 |
| Net loans and leases to total assets | 58.0714% | 4,093 |
| Net loans and leases to deposits | 72.3561% | 3,681 |
| Net loans and leases to core deposits | 76.4288% | 3,721 |
| Total domestic deposits to total assets | 80.2578% | 4,804 |
| Equity capital to assets | 11.5788% | 2,345 |
| Core capital (leverage) ratio | 10.7947% | 2,617 |
| Tier 1 risk-based capital ratio | 16.9015% | 2,445 |
| Total risk-based capital ratio | 18.1722% | 2,388 |
| Memoranda: | ||
| Average total assets | $420,259,670 | 1,600 |
| Average earning assets | $394,247,330 | 1,568 |
| Average equity | $47,920,000 | 1,567 |
| Average total loans | $246,830,000 | 1,764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,307 |
| Cost of funding earning assets | 0.6487% | 1,123 |
| Net interest margin | 3.3299% | 4,095 |
| Noninterest income to average assets | 0.4666% | 3,524 |
| Noninterest expense to average assets | 2.4853% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8607% | 2,957 |
| Return on assets (ROA) | 0.8607% | 3,075 |
| Pretax return on assets | 1.1053% | 3,048 |
| Return on Equity (ROE) | 7.6055% | 3,162 |
| Retained earnings to average equity (ytd only) | -2.4936% | 5,745 |
| Net charge-offs to loans | 0.0485% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 39.1667% | 986 |
| Efficiency ratio | 69.2167% | 3,620 |
| Assets per employee ($millions) | 5.6512% | 1,667 |
| Cash dividends to net income (ytd only)* | 132.7869% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3150% | 211 |
| Loan loss allowance to noncurrent loans | 150.9630% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.6034% | 1,595 |
| Noncurrent loans to loans | 2.1959% | 1,152 |
| Net loans and leases to total assets | 56.0975% | 4,189 |
| Net loans and leases to deposits | 69.8300% | 3,765 |
| Net loans and leases to core deposits | 75.9424% | 3,606 |
| Total domestic deposits to total assets | 80.3344% | 4,983 |
| Equity capital to assets | 11.3744% | 2,579 |
| Core capital (leverage) ratio | 10.4264% | 3,066 |
| Tier 1 risk-based capital ratio | 16.5962% | 2,641 |
| Total risk-based capital ratio | 17.8681% | 2,581 |
| Memoranda: | ||
| Average total assets | $425,212,000 | 1,591 |
| Average earning assets | $398,933,500 | 1,562 |
| Average equity | $48,123,000 | 1,564 |
| Average total loans | $247,203,500 | 1,760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 3,261 |
| Cost of funding earning assets | 0.6604% | 1,335 |
| Net interest margin | 3.4567% | 3,953 |
| Noninterest income to average assets | 0.2850% | 5,081 |
| Noninterest expense to average assets | 2.6416% | 4,079 |
| Loan and lease loss provision to assets | -0.2041% | 6,295 |
| Net operating income to assets | 0.8476% | 3,129 |
| Return on assets (ROA) | 0.9010% | 2,956 |
| Pretax return on assets | 1.1675% | 2,792 |
| Return on Equity (ROE) | 8.1953% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.1667% | 1,826 |
| Net charge-offs to loans | -0.6903% | 6,426 |
| Credit loss provision to net charge-offs | 51.4839% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7131% | 2,714 |
| Assets per employee ($millions) | 5.6878% | 1,618 |
| Cash dividends to net income (ytd only)* | 24.7535% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2926% | 216 |
| Loan loss allowance to noncurrent loans | 138.3263% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.7380% | 1,527 |
| Noncurrent loans to loans | 2.3803% | 1,085 |
| Net loans and leases to total assets | 56.3334% | 4,289 |
| Net loans and leases to deposits | 69.8599% | 3,929 |
| Net loans and leases to core deposits | 76.0521% | 3,704 |
| Total domestic deposits to total assets | 80.6377% | 4,848 |
| Equity capital to assets | 11.2608% | 2,638 |
| Core capital (leverage) ratio | 10.8325% | 2,582 |
| Tier 1 risk-based capital ratio | 16.6679% | 2,649 |
| Total risk-based capital ratio | 17.9212% | 2,594 |
| Memoranda: | ||
| Average total assets | $416,534,200 | 1,588 |
| Average earning assets | $391,704,800 | 1,558 |
| Average equity | $45,794,400 | 1,570 |
| Average total loans | $239,156,600 | 1,767 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,259 |
| Cost of funding earning assets | 0.6664% | 1,346 |
| Net interest margin | 3.4621% | 3,972 |
| Noninterest income to average assets | 0.3249% | 4,830 |
| Noninterest expense to average assets | 2.5228% | 4,454 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8149% | 3,365 |
| Return on assets (ROA) | 0.8866% | 3,080 |
| Pretax return on assets | 1.1529% | 2,973 |
| Return on Equity (ROE) | 8.1147% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.3638% | 2,182 |
| Net charge-offs to loans | -0.1402% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4180% | 3,437 |
| Assets per employee ($millions) | 5.2479% | 1,964 |
| Cash dividends to net income (ytd only)* | 21.5765% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1611% | 303 |
| Loan loss allowance to noncurrent loans | 295.2786% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 2,196 |
| Noncurrent loans to loans | 1.0706% | 2,935 |
| Net loans and leases to total assets | 57.1026% | 4,188 |
| Net loans and leases to deposits | 70.2666% | 3,890 |
| Net loans and leases to core deposits | 76.6950% | 3,668 |
| Total domestic deposits to total assets | 81.2657% | 4,745 |
| Equity capital to assets | 11.4779% | 2,504 |
| Core capital (leverage) ratio | 10.6660% | 2,847 |
| Tier 1 risk-based capital ratio | 16.8374% | 2,672 |
| Total risk-based capital ratio | 18.0914% | 2,619 |
| Memoranda: | ||
| Average total assets | $414,021,000 | 1,608 |
| Average earning assets | $389,575,000 | 1,575 |
| Average equity | $45,233,750 | 1,592 |
| Average total loans | $236,822,500 | 1,790 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,432 |
| Cost of funding earning assets | 0.6683% | 1,394 |
| Net interest margin | 3.4108% | 4,134 |
| Noninterest income to average assets | 0.2820% | 5,167 |
| Noninterest expense to average assets | 2.4895% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7658% | 3,481 |
| Return on assets (ROA) | 0.8715% | 3,039 |
| Pretax return on assets | 1.1420% | 2,921 |
| Return on Equity (ROE) | 8.1119% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.0828% | 2,268 |
| Net charge-offs to loans | 0.3315% | 1,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.3436% | 2,943 |
| Efficiency ratio | 71.2829% | 3,458 |
| Assets per employee ($millions) | 5.3176% | 1,859 |
| Cash dividends to net income (ytd only)* | 25.0138% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8867% | 438 |
| Loan loss allowance to noncurrent loans | 310.5731% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 2,496 |
| Noncurrent loans to loans | 0.9295% | 3,390 |
| Net loans and leases to total assets | 56.7029% | 4,157 |
| Net loans and leases to deposits | 69.3044% | 3,907 |
| Net loans and leases to core deposits | 75.6228% | 3,661 |
| Total domestic deposits to total assets | 81.8171% | 4,711 |
| Equity capital to assets | 11.1387% | 2,745 |
| Core capital (leverage) ratio | 10.4367% | 3,030 |
| Tier 1 risk-based capital ratio | 16.6596% | 2,759 |
| Total risk-based capital ratio | 17.9271% | 2,715 |
| Memoranda: | ||
| Average total assets | $415,583,000 | 1,604 |
| Average earning assets | $391,169,330 | 1,570 |
| Average equity | $44,650,670 | 1,603 |
| Average total loans | $235,306,330 | 1,788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,603 |
| Cost of funding earning assets | 0.6823% | 1,346 |
| Net interest margin | 3.3389% | 4,382 |
| Noninterest income to average assets | 0.2250% | 5,554 |
| Noninterest expense to average assets | 2.4222% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7111% | 3,626 |
| Return on assets (ROA) | 0.8625% | 2,902 |
| Pretax return on assets | 1.1481% | 2,705 |
| Return on Equity (ROE) | 8.1776% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.8922% | 2,092 |
| Net charge-offs to loans | -0.0259% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9098% | 3,501 |
| Assets per employee ($millions) | 5.3788% | 1,827 |
| Cash dividends to net income (ytd only)* | 15.7191% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1537% | 372 |
| Loan loss allowance to noncurrent loans | 139.2319% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 1.7204% | 2,048 |
| Noncurrent loans to loans | 2.2651% | 1,590 |
| Net loans and leases to total assets | 54.1354% | 4,395 |
| Net loans and leases to deposits | 65.7520% | 4,126 |
| Net loans and leases to core deposits | 72.8466% | 3,779 |
| Total domestic deposits to total assets | 82.3327% | 4,841 |
| Equity capital to assets | 10.6420% | 3,096 |
| Core capital (leverage) ratio | 10.2196% | 3,263 |
| Tier 1 risk-based capital ratio | 16.9355% | 2,722 |
| Total risk-based capital ratio | 18.2061% | 2,662 |
| Memoranda: | ||
| Average total assets | $415,990,000 | 1,612 |
| Average earning assets | $391,629,500 | 1,576 |
| Average equity | $43,876,000 | 1,617 |
| Average total loans | $231,871,000 | 1,806 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,066 |
| Cost of funding earning assets | 0.8430% | 981 |
| Net interest margin | 3.4280% | 4,171 |
| Noninterest income to average assets | 0.2799% | 5,354 |
| Noninterest expense to average assets | 2.5263% | 4,683 |
| Loan and lease loss provision to assets | -0.1264% | 6,517 |
| Net operating income to assets | 0.8341% | 3,110 |
| Return on assets (ROA) | 0.8548% | 3,085 |
| Pretax return on assets | 1.1360% | 2,823 |
| Return on Equity (ROE) | 8.2984% | 2,886 |
| Retained earnings to average equity (ytd only) | 6.5263% | 1,668 |
| Net charge-offs to loans | 0.2348% | 2,573 |
| Credit loss provision to net charge-offs | -92.2509% | 5,863 |
| Earnings coverage of net charge-offs (x) | 7.1661% | 2,900 |
| Efficiency ratio | 72.0092% | 3,472 |
| Assets per employee ($millions) | 5.0297% | 2,149 |
| Cash dividends to net income (ytd only)* | 21.3546% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2200% | 360 |
| Loan loss allowance to noncurrent loans | 123.6556% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.8810% | 1,935 |
| Noncurrent loans to loans | 2.6040% | 1,436 |
| Net loans and leases to total assets | 53.7885% | 4,610 |
| Net loans and leases to deposits | 64.3687% | 4,470 |
| Net loans and leases to core deposits | 71.2492% | 4,158 |
| Total domestic deposits to total assets | 83.5630% | 4,336 |
| Equity capital to assets | 10.4511% | 3,219 |
| Core capital (leverage) ratio | 10.3657% | 3,064 |
| Tier 1 risk-based capital ratio | 17.1245% | 2,553 |
| Total risk-based capital ratio | 18.3961% | 2,519 |
| Memoranda: | ||
| Average total assets | $395,523,200 | 1,670 |
| Average earning assets | $372,496,400 | 1,623 |
| Average equity | $40,743,000 | 1,716 |
| Average total loans | $230,788,400 | 1,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 3,003 |
| Cost of funding earning assets | 0.8793% | 910 |
| Net interest margin | 3.4189% | 4,213 |
| Noninterest income to average assets | 0.2777% | 5,458 |
| Noninterest expense to average assets | 2.5644% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7190% | 3,761 |
| Return on assets (ROA) | 0.7476% | 3,740 |
| Pretax return on assets | 0.9697% | 3,617 |
| Return on Equity (ROE) | 7.2853% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.8575% | 2,510 |
| Net charge-offs to loans | 0.2797% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.6433% | 3,140 |
| Efficiency ratio | 73.3314% | 3,170 |
| Assets per employee ($millions) | 4.8612% | 2,353 |
| Cash dividends to net income (ytd only)* | 19.5989% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3743% | 382 |
| Loan loss allowance to noncurrent loans | 173.0543% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 2,516 |
| Noncurrent loans to loans | 1.9498% | 2,307 |
| Net loans and leases to total assets | 57.0249% | 4,163 |
| Net loans and leases to deposits | 67.6723% | 4,103 |
| Net loans and leases to core deposits | 75.5139% | 3,672 |
| Total domestic deposits to total assets | 84.2662% | 4,077 |
| Equity capital to assets | 9.7306% | 4,264 |
| Core capital (leverage) ratio | 9.3940% | 4,537 |
| Tier 1 risk-based capital ratio | 14.9499% | 3,783 |
| Total risk-based capital ratio | 16.2237% | 3,716 |
| Memoranda: | ||
| Average total assets | $391,295,000 | 1,696 |
| Average earning assets | $368,451,000 | 1,647 |
| Average equity | $40,152,750 | 1,752 |
| Average total loans | $231,179,500 | 1,780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3219% | 2,864 |
| Cost of funding earning assets | 0.9063% | 869 |
| Net interest margin | 3.4156% | 4,133 |
| Noninterest income to average assets | 0.2459% | 5,694 |
| Noninterest expense to average assets | 2.5871% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6923% | 3,845 |
| Return on assets (ROA) | 0.6923% | 4,013 |
| Pretax return on assets | 0.8764% | 4,002 |
| Return on Equity (ROE) | 6.6293% | 3,812 |
| Retained earnings to average equity (ytd only) | 5.7181% | 2,596 |
| Net charge-offs to loans | 0.2437% | 2,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 6.0857% | 2,775 |
| Efficiency ratio | 74.6956% | 2,991 |
| Assets per employee ($millions) | 4.6278% | 2,608 |
| Cash dividends to net income (ytd only)* | 13.7444% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5250% | 359 |
| Loan loss allowance to noncurrent loans | 168.0702% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 2,541 |
| Noncurrent loans to loans | 2.0973% | 2,282 |
| Net loans and leases to total assets | 58.0217% | 3,981 |
| Net loans and leases to deposits | 69.1281% | 3,840 |
| Net loans and leases to core deposits | 77.4294% | 3,365 |
| Total domestic deposits to total assets | 83.9336% | 4,345 |
| Equity capital to assets | 10.0558% | 3,846 |
| Core capital (leverage) ratio | 9.3952% | 4,396 |
| Tier 1 risk-based capital ratio | 15.0203% | 3,764 |
| Total risk-based capital ratio | 16.2961% | 3,715 |
| Memoranda: | ||
| Average total assets | $388,853,670 | 1,705 |
| Average earning assets | $366,319,670 | 1,653 |
| Average equity | $40,607,670 | 1,735 |
| Average total loans | $229,822,670 | 1,788 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,961 |
| Cost of funding earning assets | 0.9188% | 895 |
| Net interest margin | 3.3642% | 4,258 |
| Noninterest income to average assets | 0.2985% | 5,314 |
| Noninterest expense to average assets | 2.4651% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7668% | 3,347 |
| Return on assets (ROA) | 0.7668% | 3,492 |
| Pretax return on assets | 1.0081% | 3,310 |
| Return on Equity (ROE) | 7.2117% | 3,374 |
| Retained earnings to average equity (ytd only) | 6.2117% | 2,560 |
| Net charge-offs to loans | 0.4397% | 1,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.9127% | 2,646 |
| Efficiency ratio | 70.9744% | 3,792 |
| Assets per employee ($millions) | 4.8720% | 2,392 |
| Cash dividends to net income (ytd only)* | 13.8667% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5583% | 399 |
| Loan loss allowance to noncurrent loans | 173.5556% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 1.6143% | 2,842 |
| Noncurrent loans to loans | 2.0502% | 2,567 |
| Net loans and leases to total assets | 56.8210% | 3,956 |
| Net loans and leases to deposits | 68.0659% | 3,770 |
| Net loans and leases to core deposits | 76.0230% | 3,324 |
| Total domestic deposits to total assets | 83.4795% | 4,680 |
| Equity capital to assets | 10.3157% | 3,781 |
| Core capital (leverage) ratio | 9.2184% | 4,536 |
| Tier 1 risk-based capital ratio | 14.8505% | 3,940 |
| Total risk-based capital ratio | 16.1246% | 3,883 |
| Memoranda: | ||
| Average total assets | $391,227,500 | 1,706 |
| Average earning assets | $369,177,000 | 1,658 |
| Average equity | $41,599,000 | 1,724 |
| Average total loans | $229,230,000 | 1,804 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,668 |
| Cost of funding earning assets | 1.2515% | 458 |
| Net interest margin | 3.1861% | 5,602 |
| Noninterest income to average assets | 0.3413% | 5,019 |
| Noninterest expense to average assets | 2.4621% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6556% | 3,960 |
| Return on assets (ROA) | 0.8996% | 3,061 |
| Pretax return on assets | 1.2154% | 2,747 |
| Return on Equity (ROE) | 9.0004% | 2,633 |
| Retained earnings to average equity (ytd only) | 7.0903% | 1,527 |
| Net charge-offs to loans | 0.1696% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 9.3486% | 2,273 |
| Efficiency ratio | 73.5455% | 3,144 |
| Assets per employee ($millions) | 5.0346% | 2,191 |
| Cash dividends to net income (ytd only)* | 21.2219% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6805% | 367 |
| Loan loss allowance to noncurrent loans | 172.2643% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 3,074 |
| Noncurrent loans to loans | 2.1366% | 2,541 |
| Net loans and leases to total assets | 56.1253% | 4,270 |
| Net loans and leases to deposits | 67.6010% | 4,043 |
| Net loans and leases to core deposits | 75.6933% | 3,576 |
| Total domestic deposits to total assets | 83.0244% | 4,719 |
| Equity capital to assets | 10.9479% | 3,015 |
| Core capital (leverage) ratio | 9.5479% | 4,038 |
| Tier 1 risk-based capital ratio | 16.2313% | 3,036 |
| Total risk-based capital ratio | 17.5076% | 2,977 |
| Memoranda: | ||
| Average total assets | $414,847,200 | 1,577 |
| Average earning assets | $391,445,200 | 1,538 |
| Average equity | $41,465,000 | 1,682 |
| Average total loans | $231,780,200 | 1,755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 3,931 |
| Cost of funding earning assets | 1.3123% | 415 |
| Net interest margin | 3.1159% | 5,903 |
| Noninterest income to average assets | 0.3711% | 4,861 |
| Noninterest expense to average assets | 2.3023% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7449% | 3,716 |
| Return on assets (ROA) | 0.8798% | 3,323 |
| Pretax return on assets | 1.1913% | 3,018 |
| Return on Equity (ROE) | 9.0026% | 2,799 |
| Retained earnings to average equity (ytd only) | 7.3507% | 1,920 |
| Net charge-offs to loans | -0.0763% | 6,798 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5307% | 3,784 |
| Assets per employee ($millions) | 5.3184% | 1,813 |
| Cash dividends to net income (ytd only)* | 18.3490% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7833% | 364 |
| Loan loss allowance to noncurrent loans | 167.0836% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 3,087 |
| Noncurrent loans to loans | 2.2643% | 2,540 |
| Net loans and leases to total assets | 54.8632% | 4,611 |
| Net loans and leases to deposits | 69.9697% | 3,901 |
| Net loans and leases to core deposits | 78.5265% | 3,387 |
| Total domestic deposits to total assets | 78.4099% | 5,991 |
| Equity capital to assets | 10.3675% | 3,989 |
| Core capital (leverage) ratio | 8.9330% | 5,150 |
| Tier 1 risk-based capital ratio | 15.2484% | 3,674 |
| Total risk-based capital ratio | 16.5315% | 3,609 |
| Memoranda: | ||
| Average total assets | $420,384,500 | 1,582 |
| Average earning assets | $396,662,000 | 1,535 |
| Average equity | $41,083,250 | 1,713 |
| Average total loans | $232,519,000 | 1,769 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 4,046 |
| Cost of funding earning assets | 1.3590% | 409 |
| Net interest margin | 3.0752% | 6,062 |
| Noninterest income to average assets | 0.4822% | 4,042 |
| Noninterest expense to average assets | 2.2300% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8285% | 3,253 |
| Return on assets (ROA) | 0.9966% | 2,703 |
| Pretax return on assets | 1.3850% | 2,257 |
| Return on Equity (ROE) | 10.4051% | 2,214 |
| Retained earnings to average equity (ytd only) | 8.4764% | 1,457 |
| Net charge-offs to loans | -0.5424% | 7,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9476% | 4,544 |
| Assets per employee ($millions) | 5.6599% | 1,471 |
| Cash dividends to net income (ytd only)* | 18.5361% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0427% | 330 |
| Loan loss allowance to noncurrent loans | 150.9754% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 1.8931% | 2,916 |
| Noncurrent loans to loans | 2.6777% | 2,247 |
| Net loans and leases to total assets | 52.7962% | 4,992 |
| Net loans and leases to deposits | 66.3143% | 4,470 |
| Net loans and leases to core deposits | 74.1825% | 4,006 |
| Total domestic deposits to total assets | 79.6151% | 5,834 |
| Equity capital to assets | 9.8810% | 4,508 |
| Core capital (leverage) ratio | 8.8461% | 5,136 |
| Tier 1 risk-based capital ratio | 15.3230% | 3,560 |
| Total risk-based capital ratio | 16.6055% | 3,494 |
| Memoranda: | ||
| Average total assets | $422,234,670 | 1,573 |
| Average earning assets | $398,091,000 | 1,531 |
| Average equity | $40,441,670 | 1,727 |
| Average total loans | $231,178,670 | 1,775 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 3,999 |
| Cost of funding earning assets | 1.4183% | 399 |
| Net interest margin | 3.0629% | 6,150 |
| Noninterest income to average assets | 0.0370% | 6,980 |
| Noninterest expense to average assets | 2.1876% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5419% | 4,640 |
| Return on assets (ROA) | 0.6811% | 4,188 |
| Pretax return on assets | 0.9176% | 3,975 |
| Return on Equity (ROE) | 7.2259% | 3,645 |
| Retained earnings to average equity (ytd only) | 6.0266% | 2,942 |
| Net charge-offs to loans | -1.1009% | 7,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9919% | 2,943 |
| Assets per employee ($millions) | 5.5795% | 1,629 |
| Cash dividends to net income (ytd only)* | 16.5969% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1486% | 330 |
| Loan loss allowance to noncurrent loans | 192.3061% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 3,280 |
| Noncurrent loans to loans | 2.1573% | 2,960 |
| Net loans and leases to total assets | 52.1655% | 4,993 |
| Net loans and leases to deposits | 65.0193% | 4,485 |
| Net loans and leases to core deposits | 72.8448% | 4,038 |
| Total domestic deposits to total assets | 80.2308% | 5,795 |
| Equity capital to assets | 9.5805% | 4,679 |
| Core capital (leverage) ratio | 8.5009% | 5,587 |
| Tier 1 risk-based capital ratio | 15.1232% | 3,676 |
| Total risk-based capital ratio | 16.4106% | 3,606 |
| Memoranda: | ||
| Average total assets | $421,106,500 | 1,581 |
| Average earning assets | $395,965,000 | 1,532 |
| Average equity | $39,690,500 | 1,750 |
| Average total loans | $229,989,500 | 1,792 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 4,392 |
| Cost of funding earning assets | 1.5830% | 507 |
| Net interest margin | 3.0832% | 6,379 |
| Noninterest income to average assets | -0.0045% | 7,006 |
| Noninterest expense to average assets | 2.0716% | 6,546 |
| Loan and lease loss provision to assets | 0.8897% | 1,084 |
| Net operating income to assets | -0.0491% | 6,108 |
| Return on assets (ROA) | 0.2729% | 5,511 |
| Pretax return on assets | 0.3265% | 5,488 |
| Return on Equity (ROE) | 3.3030% | 5,156 |
| Retained earnings to average equity (ytd only) | 1.5972% | 5,074 |
| Net charge-offs to loans | 2.1691% | 598 |
| Credit loss provision to net charge-offs | 78.1435% | 4,548 |
| Earnings coverage of net charge-offs (x) | 0.7316% | 5,259 |
| Efficiency ratio | 71.3226% | 3,728 |
| Assets per employee ($millions) | 5.5032% | 1,634 |
| Cash dividends to net income (ytd only)* | 51.6447% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7961% | 436 |
| Loan loss allowance to noncurrent loans | 140.5164% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 2.0321% | 2,919 |
| Noncurrent loans to loans | 2.7016% | 2,401 |
| Net loans and leases to total assets | 52.7248% | 5,199 |
| Net loans and leases to deposits | 65.3788% | 4,821 |
| Net loans and leases to core deposits | 74.5490% | 4,167 |
| Total domestic deposits to total assets | 80.6451% | 5,551 |
| Equity capital to assets | 9.2720% | 5,179 |
| Core capital (leverage) ratio | 8.0903% | 6,153 |
| Tier 1 risk-based capital ratio | 14.6084% | 3,901 |
| Total risk-based capital ratio | 15.8876% | 3,854 |
| Memoranda: | ||
| Average total assets | $445,641,400 | 1,465 |
| Average earning assets | $420,475,600 | 1,428 |
| Average equity | $36,815,400 | 1,831 |
| Average total loans | $233,926,000 | 1,787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6883% | 4,511 |
| Cost of funding earning assets | 1.6069% | 559 |
| Net interest margin | 3.0814% | 6,426 |
| Noninterest income to average assets | -0.0520% | 7,167 |
| Noninterest expense to average assets | 2.0831% | 6,527 |
| Loan and lease loss provision to assets | 0.8793% | 1,032 |
| Net operating income to assets | -0.0879% | 6,269 |
| Return on assets (ROA) | 0.1889% | 5,861 |
| Pretax return on assets | 0.2190% | 5,862 |
| Return on Equity (ROE) | 2.3537% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.0351% | 5,599 |
| Net charge-offs to loans | 2.7736% | 367 |
| Credit loss provision to net charge-offs | 61.0256% | 4,780 |
| Earnings coverage of net charge-offs (x) | 0.5389% | 5,228 |
| Efficiency ratio | 72.8475% | 3,389 |
| Assets per employee ($millions) | 5.7061% | 1,420 |
| Cash dividends to net income (ytd only)* | 56.0248% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4690% | 580 |
| Loan loss allowance to noncurrent loans | 118.1711% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 2,870 |
| Noncurrent loans to loans | 2.9356% | 2,374 |
| Net loans and leases to total assets | 50.8257% | 5,605 |
| Net loans and leases to deposits | 62.3772% | 5,357 |
| Net loans and leases to core deposits | 70.9401% | 4,841 |
| Total domestic deposits to total assets | 81.4813% | 5,263 |
| Equity capital to assets | 8.8277% | 5,950 |
| Core capital (leverage) ratio | 7.7961% | 6,565 |
| Tier 1 risk-based capital ratio | 14.2001% | 4,204 |
| Total risk-based capital ratio | 15.4748% | 4,145 |
| Memoranda: | ||
| Average total assets | $451,114,500 | 1,465 |
| Average earning assets | $426,243,750 | 1,429 |
| Average equity | $36,196,750 | 1,867 |
| Average total loans | $234,348,250 | 1,802 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 4,636 |
| Cost of funding earning assets | 1.6137% | 661 |
| Net interest margin | 3.0630% | 6,481 |
| Noninterest income to average assets | 0.1565% | 6,532 |
| Noninterest expense to average assets | 2.0741% | 6,642 |
| Loan and lease loss provision to assets | 0.1736% | 4,193 |
| Net operating income to assets | 0.5678% | 4,219 |
| Return on assets (ROA) | 0.6272% | 4,045 |
| Pretax return on assets | 0.8927% | 3,641 |
| Return on Equity (ROE) | 8.0773% | 2,917 |
| Retained earnings to average equity (ytd only) | 6.7301% | 2,000 |
| Net charge-offs to loans | 0.9084% | 1,717 |
| Credit loss provision to net charge-offs | 36.9504% | 4,871 |
| Earnings coverage of net charge-offs (x) | 2.0889% | 3,810 |
| Efficiency ratio | 67.8797% | 4,535 |
| Assets per employee ($millions) | 5.9808% | 1,198 |
| Cash dividends to net income (ytd only)* | 16.6783% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9707% | 423 |
| Loan loss allowance to noncurrent loans | 89.1835% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 3.1372% | 2,140 |
| Noncurrent loans to loans | 4.4522% | 1,497 |
| Net loans and leases to total assets | 49.2217% | 5,919 |
| Net loans and leases to deposits | 59.7998% | 5,746 |
| Net loans and leases to core deposits | 67.6777% | 5,323 |
| Total domestic deposits to total assets | 82.3109% | 5,057 |
| Equity capital to assets | 8.1762% | 6,535 |
| Core capital (leverage) ratio | 7.9621% | 6,345 |
| Tier 1 risk-based capital ratio | 14.7313% | 3,656 |
| Total risk-based capital ratio | 16.0085% | 3,605 |
| Memoranda: | ||
| Average total assets | $455,030,670 | 1,466 |
| Average earning assets | $430,687,670 | 1,425 |
| Average equity | $35,333,670 | 1,896 |
| Average total loans | $235,352,330 | 1,818 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 4,251 |
| Cost of funding earning assets | 1.6267% | 739 |
| Net interest margin | 3.1345% | 6,257 |
| Noninterest income to average assets | 0.0914% | 6,962 |
| Noninterest expense to average assets | 2.0295% | 6,778 |
| Loan and lease loss provision to assets | 0.1098% | 4,642 |
| Net operating income to assets | 0.6447% | 3,777 |
| Return on assets (ROA) | 0.7284% | 3,452 |
| Pretax return on assets | 1.0359% | 3,000 |
| Return on Equity (ROE) | 9.6344% | 2,238 |
| Retained earnings to average equity (ytd only) | 8.2514% | 1,635 |
| Net charge-offs to loans | -0.2249% | 7,282 |
| Credit loss provision to net charge-offs | -93.9850% | 5,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4175% | 4,963 |
| Assets per employee ($millions) | 6.1530% | 1,103 |
| Cash dividends to net income (ytd only)* | 14.3546% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3537% | 329 |
| Loan loss allowance to noncurrent loans | 123.2958% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 2.4840% | 2,746 |
| Noncurrent loans to loans | 3.5311% | 2,109 |
| Net loans and leases to total assets | 49.1328% | 5,944 |
| Net loans and leases to deposits | 59.2255% | 5,798 |
| Net loans and leases to core deposits | 68.6336% | 5,211 |
| Total domestic deposits to total assets | 82.9588% | 4,950 |
| Equity capital to assets | 7.6030% | 6,812 |
| Core capital (leverage) ratio | 8.0177% | 6,231 |
| Tier 1 risk-based capital ratio | 13.9849% | 4,081 |
| Total risk-based capital ratio | 15.2691% | 4,040 |
| Memoranda: | ||
| Average total assets | $455,275,500 | 1,477 |
| Average earning assets | $430,569,500 | 1,431 |
| Average equity | $34,418,500 | 1,923 |
| Average total loans | $236,536,500 | 1,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1341% | 3,934 |
| Cost of funding earning assets | 1.9037% | 833 |
| Net interest margin | 3.2304% | 6,192 |
| Noninterest income to average assets | 0.1431% | 6,676 |
| Noninterest expense to average assets | 2.0868% | 6,879 |
| Loan and lease loss provision to assets | 2.8464% | 354 |
| Net operating income to assets | -1.0697% | 6,725 |
| Return on assets (ROA) | -0.6655% | 6,530 |
| Pretax return on assets | -1.1078% | 6,696 |
| Return on Equity (ROE) | -8.0495% | 6,627 |
| Retained earnings to average equity (ytd only) | -9.3555% | 6,628 |
| Net charge-offs to loans | 3.8061% | 349 |
| Credit loss provision to net charge-offs | 127.8857% | 3,143 |
| Earnings coverage of net charge-offs (x) | 0.4974% | 5,614 |
| Efficiency ratio | 65.3366% | 5,102 |
| Assets per employee ($millions) | 6.0697% | 1,169 |
| Cash dividends to net income (ytd only)* | -16.2245% | 7,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1496% | 354 |
| Loan loss allowance to noncurrent loans | 106.7778% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 2,603 |
| Noncurrent loans to loans | 3.8862% | 1,886 |
| Net loans and leases to total assets | 50.3598% | 6,135 |
| Net loans and leases to deposits | 61.6189% | 5,883 |
| Net loans and leases to core deposits | 71.1853% | 5,309 |
| Total domestic deposits to total assets | 81.7279% | 5,276 |
| Equity capital to assets | 7.5169% | 6,873 |
| Core capital (leverage) ratio | 7.7198% | 6,527 |
| Tier 1 risk-based capital ratio | 13.8390% | 3,972 |
| Total risk-based capital ratio | 15.1223% | 3,933 |
| Memoranda: | ||
| Average total assets | $441,784,800 | 1,512 |
| Average earning assets | $417,230,000 | 1,451 |
| Average equity | $36,523,800 | 1,813 |
| Average total loans | $258,346,400 | 1,713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1902% | 3,876 |
| Cost of funding earning assets | 1.9337% | 924 |
| Net interest margin | 3.2565% | 6,150 |
| Noninterest income to average assets | 0.1761% | 6,620 |
| Noninterest expense to average assets | 2.1005% | 6,845 |
| Loan and lease loss provision to assets | 3.1856% | 259 |
| Net operating income to assets | -1.2793% | 7,017 |
| Return on assets (ROA) | -0.7794% | 6,817 |
| Pretax return on assets | -1.2542% | 6,959 |
| Return on Equity (ROE) | -9.2109% | 6,891 |
| Retained earnings to average equity (ytd only) | -10.4975% | 6,903 |
| Net charge-offs to loans | 3.6659% | 357 |
| Credit loss provision to net charge-offs | 144.7823% | 2,712 |
| Earnings coverage of net charge-offs (x) | 0.5229% | 5,504 |
| Efficiency ratio | 64.6118% | 5,125 |
| Assets per employee ($millions) | 5.6965% | 1,468 |
| Cash dividends to net income (ytd only)* | -13.9680% | 7,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1991% | 314 |
| Loan loss allowance to noncurrent loans | 109.0614% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 2.7280% | 2,660 |
| Noncurrent loans to loans | 3.8502% | 1,984 |
| Net loans and leases to total assets | 52.1804% | 6,078 |
| Net loans and leases to deposits | 64.2574% | 5,883 |
| Net loans and leases to core deposits | 74.5553% | 5,223 |
| Total domestic deposits to total assets | 81.2052% | 5,301 |
| Equity capital to assets | 8.3406% | 6,466 |
| Core capital (leverage) ratio | 7.9166% | 6,447 |
| Tier 1 risk-based capital ratio | 13.3600% | 4,300 |
| Total risk-based capital ratio | 14.6434% | 4,243 |
| Memoranda: | ||
| Average total assets | $438,423,500 | 1,546 |
| Average earning assets | $413,973,000 | 1,487 |
| Average equity | $37,100,000 | 1,797 |
| Average total loans | $263,138,500 | 1,706 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2448% | 3,739 |
| Cost of funding earning assets | 1.9695% | 988 |
| Net interest margin | 3.2753% | 6,096 |
| Noninterest income to average assets | 0.1752% | 6,649 |
| Noninterest expense to average assets | 2.1800% | 6,697 |
| Loan and lease loss provision to assets | 3.8136% | 213 |
| Net operating income to assets | -1.7419% | 7,242 |
| Return on assets (ROA) | -1.4520% | 7,145 |
| Pretax return on assets | -2.2720% | 7,314 |
| Return on Equity (ROE) | -17.0722% | 7,205 |
| Retained earnings to average equity (ytd only) | -18.3712% | 7,209 |
| Net charge-offs to loans | 3.6515% | 389 |
| Credit loss provision to net charge-offs | 168.5393% | 2,329 |
| Earnings coverage of net charge-offs (x) | 0.4811% | 5,239 |
| Efficiency ratio | 66.6950% | 4,843 |
| Assets per employee ($millions) | 5.5057% | 1,613 |
| Cash dividends to net income (ytd only)* | -7.6090% | 7,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0828% | 346 |
| Loan loss allowance to noncurrent loans | 113.5316% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 2.6325% | 2,743 |
| Noncurrent loans to loans | 3.5962% | 2,194 |
| Net loans and leases to total assets | 55.5135% | 5,781 |
| Net loans and leases to deposits | 68.0890% | 5,549 |
| Net loans and leases to core deposits | 78.7646% | 4,836 |
| Total domestic deposits to total assets | 81.5307% | 5,185 |
| Equity capital to assets | 8.1567% | 6,590 |
| Core capital (leverage) ratio | 7.8834% | 6,403 |
| Tier 1 risk-based capital ratio | 12.9160% | 4,516 |
| Total risk-based capital ratio | 14.1997% | 4,443 |
| Memoranda: | ||
| Average total assets | $432,657,000 | 1,578 |
| Average earning assets | $408,636,000 | 1,516 |
| Average equity | $36,796,670 | 1,808 |
| Average total loans | $268,111,000 | 1,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 3,611 |
| Cost of funding earning assets | 2.0030% | 1,073 |
| Net interest margin | 3.2830% | 6,041 |
| Noninterest income to average assets | 0.1700% | 6,754 |
| Noninterest expense to average assets | 2.1127% | 6,903 |
| Loan and lease loss provision to assets | 6.5258% | 100 |
| Net operating income to assets | -3.4957% | 7,681 |
| Return on assets (ROA) | -3.3840% | 7,672 |
| Pretax return on assets | -5.1971% | 7,776 |
| Return on Equity (ROE) | -38.9548% | 7,645 |
| Retained earnings to average equity (ytd only) | -40.2410% | 7,635 |
| Net charge-offs to loans | 0.1509% | 4,031 |
| Credit loss provision to net charge-offs | 6,747.5728% | 68 |
| Earnings coverage of net charge-offs (x) | 11.9612% | 1,605 |
| Efficiency ratio | 64.6180% | 5,370 |
| Assets per employee ($millions) | 5.3270% | 1,839 |
| Cash dividends to net income (ytd only)* | -3.3019% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1415% | 161 |
| Loan loss allowance to noncurrent loans | 105.6715% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 3.6277% | 1,931 |
| Noncurrent loans to loans | 4.8656% | 1,503 |
| Net loans and leases to total assets | 59.9897% | 5,122 |
| Net loans and leases to deposits | 73.5709% | 4,811 |
| Net loans and leases to core deposits | 80.8419% | 4,651 |
| Total domestic deposits to total assets | 81.5400% | 5,254 |
| Equity capital to assets | 8.1373% | 6,502 |
| Core capital (leverage) ratio | 7.8947% | 6,391 |
| Tier 1 risk-based capital ratio | 11.8111% | 5,383 |
| Total risk-based capital ratio | 13.1084% | 5,283 |
| Memoranda: | ||
| Average total assets | $426,004,500 | 1,635 |
| Average earning assets | $402,188,500 | 1,583 |
| Average equity | $37,007,000 | 1,818 |
| Average total loans | $273,113,000 | 1,717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7430% | 2,893 |
| Cost of funding earning assets | 2.4316% | 1,205 |
| Net interest margin | 3.3115% | 5,699 |
| Noninterest income to average assets | 0.2556% | 6,277 |
| Noninterest expense to average assets | 2.1238% | 7,136 |
| Loan and lease loss provision to assets | 1.4235% | 1,610 |
| Net operating income to assets | -0.1070% | 5,691 |
| Return on assets (ROA) | 0.2455% | 4,816 |
| Pretax return on assets | 0.3068% | 4,741 |
| Return on Equity (ROE) | 2.7136% | 4,622 |
| Retained earnings to average equity (ytd only) | 0.0616% | 4,870 |
| Net charge-offs to loans | 0.8948% | 2,605 |
| Credit loss provision to net charge-offs | 231.2992% | 1,582 |
| Earnings coverage of net charge-offs (x) | 2.0957% | 4,164 |
| Efficiency ratio | 62.2161% | 6,118 |
| Assets per employee ($millions) | 5.3231% | 1,820 |
| Cash dividends to net income (ytd only)* | 97.7295% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6278% | 1,094 |
| Loan loss allowance to noncurrent loans | 73.2810% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 2.9114% | 2,405 |
| Noncurrent loans to loans | 3.5859% | 2,116 |
| Net loans and leases to total assets | 63.2940% | 4,752 |
| Net loans and leases to deposits | 77.6729% | 4,442 |
| Net loans and leases to core deposits | 111.9270% | 2,704 |
| Total domestic deposits to total assets | 81.4879% | 5,161 |
| Equity capital to assets | 9.2511% | 4,768 |
| Core capital (leverage) ratio | 9.0344% | 4,366 |
| Tier 1 risk-based capital ratio | 13.3995% | 3,884 |
| Total risk-based capital ratio | 14.6650% | 3,822 |
| Memoranda: | ||
| Average total assets | $412,701,200 | 1,672 |
| Average earning assets | $393,572,800 | 1,615 |
| Average equity | $37,330,000 | 1,796 |
| Average total loans | $283,851,800 | 1,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7302% | 3,190 |
| Cost of funding earning assets | 2.4953% | 1,318 |
| Net interest margin | 3.2349% | 5,897 |
| Noninterest income to average assets | 0.2571% | 6,396 |
| Noninterest expense to average assets | 2.1041% | 7,187 |
| Loan and lease loss provision to assets | 1.3228% | 1,464 |
| Net operating income to assets | -0.0605% | 5,823 |
| Return on assets (ROA) | 0.2805% | 4,972 |
| Pretax return on assets | 0.3652% | 4,894 |
| Return on Equity (ROE) | 3.1188% | 4,736 |
| Retained earnings to average equity (ytd only) | 1.0648% | 4,722 |
| Net charge-offs to loans | 0.1736% | 5,003 |
| Credit loss provision to net charge-offs | 1,092.4933% | 349 |
| Earnings coverage of net charge-offs (x) | 10.2842% | 1,980 |
| Efficiency ratio | 62.8223% | 5,962 |
| Assets per employee ($millions) | 5.5021% | 1,619 |
| Cash dividends to net income (ytd only)* | 65.8567% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6624% | 915 |
| Loan loss allowance to noncurrent loans | 61.2377% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.0555% | 2,256 |
| Noncurrent loans to loans | 4.3477% | 1,637 |
| Net loans and leases to total assets | 63.5034% | 4,976 |
| Net loans and leases to deposits | 80.9256% | 4,214 |
| Net loans and leases to core deposits | 118.8727% | 2,346 |
| Total domestic deposits to total assets | 78.4714% | 5,958 |
| Equity capital to assets | 9.1186% | 5,309 |
| Core capital (leverage) ratio | 8.9517% | 4,725 |
| Tier 1 risk-based capital ratio | 13.0474% | 4,158 |
| Total risk-based capital ratio | 14.3132% | 4,082 |
| Memoranda: | ||
| Average total assets | $410,745,250 | 1,698 |
| Average earning assets | $392,620,500 | 1,631 |
| Average equity | $36,936,750 | 1,842 |
| Average total loans | $286,477,250 | 1,692 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6989% | 3,543 |
| Cost of funding earning assets | 2.5492% | 1,452 |
| Net interest margin | 3.1496% | 6,090 |
| Noninterest income to average assets | 0.2840% | 6,234 |
| Noninterest expense to average assets | 2.1327% | 7,205 |
| Loan and lease loss provision to assets | 0.8566% | 1,961 |
| Net operating income to assets | 0.2130% | 5,218 |
| Return on assets (ROA) | 0.6098% | 3,746 |
| Pretax return on assets | 0.8784% | 3,408 |
| Return on Equity (ROE) | 6.8152% | 3,280 |
| Retained earnings to average equity (ytd only) | 4.3122% | 2,899 |
| Net charge-offs to loans | 0.2560% | 3,917 |
| Credit loss provision to net charge-offs | 468.7500% | 988 |
| Earnings coverage of net charge-offs (x) | 6.3478% | 2,641 |
| Efficiency ratio | 64.7715% | 5,762 |
| Assets per employee ($millions) | 5.2886% | 1,777 |
| Cash dividends to net income (ytd only)* | 36.7264% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 1,978 |
| Loan loss allowance to noncurrent loans | 64.8679% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 2.1343% | 3,013 |
| Noncurrent loans to loans | 2.8129% | 2,560 |
| Net loans and leases to total assets | 66.1925% | 4,531 |
| Net loans and leases to deposits | 82.6813% | 4,106 |
| Net loans and leases to core deposits | 125.2499% | 1,929 |
| Total domestic deposits to total assets | 80.0574% | 5,456 |
| Equity capital to assets | 9.2183% | 4,989 |
| Core capital (leverage) ratio | 9.5824% | 3,777 |
| Tier 1 risk-based capital ratio | 13.1507% | 4,037 |
| Total risk-based capital ratio | 14.4065% | 3,954 |
| Memoranda: | ||
| Average total assets | $402,772,670 | 1,742 |
| Average earning assets | $384,742,670 | 1,683 |
| Average equity | $36,037,330 | 1,893 |
| Average total loans | $287,444,330 | 1,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 3,617 |
| Cost of funding earning assets | 2.6283% | 1,487 |
| Net interest margin | 3.1063% | 6,178 |
| Noninterest income to average assets | 0.3016% | 6,028 |
| Noninterest expense to average assets | 2.0223% | 7,299 |
| Loan and lease loss provision to assets | 0.8405% | 1,544 |
| Net operating income to assets | 0.2769% | 5,377 |
| Return on assets (ROA) | 0.6643% | 3,910 |
| Pretax return on assets | 0.9658% | 3,482 |
| Return on Equity (ROE) | 7.5473% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.2116% | 2,126 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8959% | 6,067 |
| Assets per employee ($millions) | 5.1237% | 1,928 |
| Cash dividends to net income (ytd only)* | 4.4479% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 2,404 |
| Loan loss allowance to noncurrent loans | 61.6247% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 2,785 |
| Noncurrent loans to loans | 2.6440% | 2,485 |
| Net loans and leases to total assets | 68.8281% | 3,950 |
| Net loans and leases to deposits | 89.2430% | 3,060 |
| Net loans and leases to core deposits | 131.4236% | 1,575 |
| Total domestic deposits to total assets | 77.1244% | 6,245 |
| Equity capital to assets | 9.5793% | 4,559 |
| Core capital (leverage) ratio | 9.9823% | 3,430 |
| Tier 1 risk-based capital ratio | 13.0096% | 4,175 |
| Total risk-based capital ratio | 14.2638% | 4,098 |
| Memoranda: | ||
| Average total assets | $392,617,000 | 1,791 |
| Average earning assets | $374,849,000 | 1,729 |
| Average equity | $34,555,500 | 1,969 |
| Average total loans | $288,539,000 | 1,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3380% | 3,739 |
| Cost of funding earning assets | 3.1656% | 1,298 |
| Net interest margin | 3.1724% | 6,456 |
| Noninterest income to average assets | 0.3120% | 6,220 |
| Noninterest expense to average assets | 2.2166% | 6,925 |
| Loan and lease loss provision to assets | 0.7212% | 2,048 |
| Net operating income to assets | 0.2776% | 5,625 |
| Return on assets (ROA) | 0.3289% | 5,270 |
| Pretax return on assets | 0.4756% | 5,053 |
| Return on Equity (ROE) | 3.7549% | 4,915 |
| Retained earnings to average equity (ytd only) | 1.7111% | 4,192 |
| Net charge-offs to loans | 0.3628% | 3,021 |
| Credit loss provision to net charge-offs | 245.9432% | 1,896 |
| Earnings coverage of net charge-offs (x) | 3.8276% | 4,213 |
| Efficiency ratio | 66.3846% | 5,041 |
| Assets per employee ($millions) | 4.5222% | 2,579 |
| Cash dividends to net income (ytd only)* | 54.4304% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 3,619 |
| Loan loss allowance to noncurrent loans | 91.4883% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3646% | 3,470 |
| Noncurrent loans to loans | 1.4489% | 3,628 |
| Net loans and leases to total assets | 76.3134% | 2,540 |
| Net loans and leases to deposits | 94.1879% | 2,728 |
| Net loans and leases to core deposits | 138.7305% | 1,330 |
| Total domestic deposits to total assets | 81.0225% | 4,625 |
| Equity capital to assets | 7.9517% | 6,905 |
| Core capital (leverage) ratio | 8.1224% | 6,294 |
| Tier 1 risk-based capital ratio | 9.9750% | 6,759 |
| Total risk-based capital ratio | 11.2263% | 6,641 |
| Memoranda: | ||
| Average total assets | $336,228,600 | 1,983 |
| Average earning assets | $320,824,800 | 1,898 |
| Average equity | $29,454,800 | 2,297 |
| Average total loans | $271,801,600 | 1,760 |