Home > Farmers Bank > Performance and Condition Ratios
Farmers Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9133% | 1,311 |
| Cost of funding earning assets | 1.7779% | 2,508 |
| Net interest margin | 4.1354% | 1,051 |
| Noninterest income to average assets | 0.0900% | 4,163 |
| Noninterest expense to average assets | 2.2431% | 3,001 |
| Loan and lease loss provision to assets | -0.2300% | 4,388 |
| Net operating income to assets | 2.0948% | 393 |
| Return on assets (ROA) | 2.0948% | 400 |
| Pretax return on assets | 2.0948% | 591 |
| Return on Equity (ROE) | 36.2300% | 70 |
| Retained earnings to average equity (ytd only) | 15.0437% | 416 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.6238% | 3,539 |
| Assets per employee ($millions) | 9.5035% | 936 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 605 |
| Loan loss allowance to noncurrent loans | 150.0507% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6700% | 1,123 |
| Noncurrent loans to loans | 1.1570% | 927 |
| Net loans and leases to total assets | 56.9100% | 3,131 |
| Net loans and leases to deposits | 61.0031% | 3,441 |
| Net loans and leases to core deposits | 79.5086% | 2,715 |
| Total domestic deposits to total assets | 93.2900% | 120 |
| Equity capital to assets | 6.2143% | 4,216 |
| Core capital (leverage) ratio | 12.5935% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $293,873,500 | 2,506 |
| Average earning assets | $285,728,500 | 2,445 |
| Average equity | $16,990,500 | 3,216 |
| Average total loans | $170,820,000 | 2,603 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1786% | 1,060 |
| Cost of funding earning assets | 2.0207% | 2,172 |
| Net interest margin | 4.1578% | 981 |
| Noninterest income to average assets | 0.1300% | 4,080 |
| Noninterest expense to average assets | 2.2357% | 3,022 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.9130% | 458 |
| Return on assets (ROA) | 1.9130% | 459 |
| Pretax return on assets | 1.9130% | 689 |
| Return on Equity (ROE) | 33.6500% | 74 |
| Retained earnings to average equity (ytd only) | 4.7631% | 2,331 |
| Net charge-offs to loans | -0.0389% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 53.6297% | 3,753 |
| Assets per employee ($millions) | 9.1606% | 1,004 |
| Cash dividends to net income (ytd only)* | 85.8444% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8378% | 503 |
| Loan loss allowance to noncurrent loans | 139.3792% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 927 |
| Noncurrent loans to loans | 1.3186% | 753 |
| Net loans and leases to total assets | 57.2700% | 3,168 |
| Net loans and leases to deposits | 60.8421% | 3,495 |
| Net loans and leases to core deposits | 79.6009% | 2,804 |
| Total domestic deposits to total assets | 94.1300% | 97 |
| Equity capital to assets | 5.3466% | 4,308 |
| Core capital (leverage) ratio | 12.1880% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $298,379,600 | 2,471 |
| Average earning assets | $289,645,200 | 2,399 |
| Average equity | $16,963,800 | 3,189 |
| Average total loans | $169,549,800 | 2,580 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2056% | 989 |
| Cost of funding earning assets | 2.0477% | 2,098 |
| Net interest margin | 4.1579% | 947 |
| Noninterest income to average assets | 0.1500% | 4,001 |
| Noninterest expense to average assets | 2.2187% | 3,031 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.9406% | 475 |
| Return on assets (ROA) | 1.9406% | 479 |
| Pretax return on assets | 1.9406% | 707 |
| Return on Equity (ROE) | 33.6400% | 82 |
| Retained earnings to average equity (ytd only) | 8.9625% | 1,132 |
| Net charge-offs to loans | -0.0520% | 4,350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 53.0024% | 3,806 |
| Assets per employee ($millions) | 9.3936% | 933 |
| Cash dividends to net income (ytd only)* | 73.3608% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 535 |
| Loan loss allowance to noncurrent loans | 73.9703% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 341 |
| Noncurrent loans to loans | 2.4524% | 293 |
| Net loans and leases to total assets | 56.5900% | 3,207 |
| Net loans and leases to deposits | 61.1667% | 3,522 |
| Net loans and leases to core deposits | 80.5910% | 2,773 |
| Total domestic deposits to total assets | 92.5200% | 130 |
| Equity capital to assets | 6.7103% | 4,194 |
| Core capital (leverage) ratio | 12.1160% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $299,690,000 | 2,456 |
| Average earning assets | $290,719,500 | 2,391 |
| Average equity | $17,286,500 | 3,162 |
| Average total loans | $169,182,500 | 2,579 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0989% | 1,033 |
| Cost of funding earning assets | 1.9817% | 2,164 |
| Net interest margin | 4.1172% | 978 |
| Noninterest income to average assets | 0.1500% | 3,984 |
| Noninterest expense to average assets | 2.2018% | 3,068 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9386% | 478 |
| Return on assets (ROA) | 1.9386% | 481 |
| Pretax return on assets | 1.9386% | 701 |
| Return on Equity (ROE) | 35.5500% | 84 |
| Retained earnings to average equity (ytd only) | 19.0138% | 148 |
| Net charge-offs to loans | -0.0787% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 53.1784% | 3,818 |
| Assets per employee ($millions) | 9.3857% | 880 |
| Cash dividends to net income (ytd only)* | 46.5196% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8426% | 520 |
| Loan loss allowance to noncurrent loans | 73.1270% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 330 |
| Noncurrent loans to loans | 2.5197% | 254 |
| Net loans and leases to total assets | 55.7500% | 3,284 |
| Net loans and leases to deposits | 59.5545% | 3,591 |
| Net loans and leases to core deposits | 81.6877% | 2,689 |
| Total domestic deposits to total assets | 93.6100% | 106 |
| Equity capital to assets | 5.9186% | 4,226 |
| Core capital (leverage) ratio | 12.4381% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $299,388,000 | 2,459 |
| Average earning assets | $290,249,000 | 2,385 |
| Average equity | $16,325,000 | 3,218 |
| Average total loans | $167,823,000 | 2,583 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0645% | 977 |
| Cost of funding earning assets | 1.8863% | 2,276 |
| Net interest margin | 4.1781% | 881 |
| Noninterest income to average assets | 0.1100% | 4,170 |
| Noninterest expense to average assets | 2.1906% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9564% | 471 |
| Return on assets (ROA) | 1.9564% | 480 |
| Pretax return on assets | 1.9564% | 669 |
| Return on Equity (ROE) | 37.4900% | 80 |
| Retained earnings to average equity (ytd only) | 14.4107% | 471 |
| Net charge-offs to loans | -0.1538% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.8235% | 3,840 |
| Assets per employee ($millions) | 9.2387% | 941 |
| Cash dividends to net income (ytd only)* | 61.5595% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 436 |
| Loan loss allowance to noncurrent loans | 75.9188% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 1.6436% | 251 |
| Noncurrent loans to loans | 2.5361% | 222 |
| Net loans and leases to total assets | 54.1000% | 3,335 |
| Net loans and leases to deposits | 57.4610% | 3,653 |
| Net loans and leases to core deposits | 76.5118% | 2,946 |
| Total domestic deposits to total assets | 94.1600% | 108 |
| Equity capital to assets | 5.2737% | 4,341 |
| Core capital (leverage) ratio | 13.2056% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $298,910,500 | 2,466 |
| Average earning assets | $289,028,000 | 2,396 |
| Average equity | $15,599,500 | 3,275 |
| Average total loans | $166,447,000 | 2,593 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 830 |
| Cost of funding earning assets | 1.6779% | 1,499 |
| Net interest margin | 4.1254% | 1,039 |
| Noninterest income to average assets | 0.1000% | 4,288 |
| Noninterest expense to average assets | 1.9188% | 3,800 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.9893% | 476 |
| Return on assets (ROA) | 1.9893% | 460 |
| Pretax return on assets | 1.9893% | 688 |
| Return on Equity (ROE) | 45.0500% | 63 |
| Retained earnings to average equity (ytd only) | 15.1483% | 315 |
| Net charge-offs to loans | 0.4723% | 223 |
| Credit loss provision to net charge-offs | 78.4077% | 2,036 |
| Earnings coverage of net charge-offs (x) | 8.5440% | 2,339 |
| Efficiency ratio | 46.6963% | 4,164 |
| Assets per employee ($millions) | 9.4432% | 847 |
| Cash dividends to net income (ytd only)* | 66.3765% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 529 |
| Loan loss allowance to noncurrent loans | 91.5229% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 297 |
| Noncurrent loans to loans | 1.9799% | 291 |
| Net loans and leases to total assets | 55.1800% | 3,266 |
| Net loans and leases to deposits | 58.6741% | 3,600 |
| Net loans and leases to core deposits | 79.5296% | 2,732 |
| Total domestic deposits to total assets | 94.0400% | 105 |
| Equity capital to assets | 5.1651% | 4,385 |
| Core capital (leverage) ratio | 12.1238% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $323,377,200 | 2,301 |
| Average earning assets | $314,321,200 | 2,228 |
| Average equity | $14,278,800 | 3,318 |
| Average total loans | $175,521,200 | 2,486 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7166% | 772 |
| Cost of funding earning assets | 1.5983% | 1,375 |
| Net interest margin | 4.1183% | 1,037 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.8729% | 3,848 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.9772% | 516 |
| Return on assets (ROA) | 1.9772% | 507 |
| Pretax return on assets | 2.0299% | 731 |
| Return on Equity (ROE) | 46.6000% | 82 |
| Retained earnings to average equity (ytd only) | 23.0781% | 164 |
| Net charge-offs to loans | 0.2524% | 352 |
| Credit loss provision to net charge-offs | 143.2836% | 1,349 |
| Earnings coverage of net charge-offs (x) | 16.3701% | 1,935 |
| Efficiency ratio | 45.7083% | 4,152 |
| Assets per employee ($millions) | 9.8140% | 715 |
| Cash dividends to net income (ytd only)* | 50.4719% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 436 |
| Loan loss allowance to noncurrent loans | 229.0236% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 1,230 |
| Noncurrent loans to loans | 0.8462% | 977 |
| Net loans and leases to total assets | 54.8000% | 3,302 |
| Net loans and leases to deposits | 57.5165% | 3,629 |
| Net loans and leases to core deposits | 79.6481% | 2,628 |
| Total domestic deposits to total assets | 95.2700% | 109 |
| Equity capital to assets | 4.0344% | 4,398 |
| Core capital (leverage) ratio | 11.3683% | 1,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $328,676,000 | 2,277 |
| Average earning assets | $319,833,250 | 2,208 |
| Average equity | $13,946,500 | 3,340 |
| Average total loans | $176,950,000 | 2,475 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4332% | 918 |
| Cost of funding earning assets | 1.3450% | 1,599 |
| Net interest margin | 4.0882% | 1,100 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.8720% | 3,874 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 1.9421% | 514 |
| Return on assets (ROA) | 1.9421% | 512 |
| Pretax return on assets | 2.0027% | 745 |
| Return on Equity (ROE) | 45.0700% | 81 |
| Retained earnings to average equity (ytd only) | 23.3649% | 159 |
| Net charge-offs to loans | -0.1014% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.0336% | 4,162 |
| Assets per employee ($millions) | 11.3374% | 460 |
| Cash dividends to net income (ytd only)* | 48.1630% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 388 |
| Loan loss allowance to noncurrent loans | 175.3228% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 906 |
| Noncurrent loans to loans | 1.1649% | 605 |
| Net loans and leases to total assets | 50.0300% | 3,560 |
| Net loans and leases to deposits | 52.6323% | 3,810 |
| Net loans and leases to core deposits | 77.1462% | 2,679 |
| Total domestic deposits to total assets | 95.0600% | 92 |
| Equity capital to assets | 4.3527% | 4,468 |
| Core capital (leverage) ratio | 11.0176% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $333,552,000 | 2,261 |
| Average earning assets | $324,302,000 | 2,209 |
| Average equity | $14,372,000 | 3,319 |
| Average total loans | $177,437,667 | 2,470 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 1,128 |
| Cost of funding earning assets | 0.8755% | 2,450 |
| Net interest margin | 4.1832% | 976 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.9778% | 3,672 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 2.0037% | 492 |
| Return on assets (ROA) | 2.0037% | 487 |
| Pretax return on assets | 2.0592% | 700 |
| Return on Equity (ROE) | 46.7600% | 91 |
| Retained earnings to average equity (ytd only) | 24.3296% | 202 |
| Net charge-offs to loans | -0.0045% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6827% | 4,107 |
| Assets per employee ($millions) | 11.6598% | 435 |
| Cash dividends to net income (ytd only)* | 47.9705% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 543 |
| Loan loss allowance to noncurrent loans | 129.3777% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.7396% | 658 |
| Noncurrent loans to loans | 1.4623% | 447 |
| Net loans and leases to total assets | 49.6200% | 3,524 |
| Net loans and leases to deposits | 52.1194% | 3,785 |
| Net loans and leases to core deposits | 71.5346% | 2,851 |
| Total domestic deposits to total assets | 95.2000% | 78 |
| Equity capital to assets | 4.4786% | 4,495 |
| Core capital (leverage) ratio | 12.4728% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $324,599,000 | 2,337 |
| Average earning assets | $315,258,000 | 2,278 |
| Average equity | $13,909,000 | 3,398 |
| Average total loans | $176,405,000 | 2,497 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 965 |
| Cost of funding earning assets | 0.4322% | 1,843 |
| Net interest margin | 3.9197% | 915 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.9435% | 3,739 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.8125% | 429 |
| Return on assets (ROA) | 1.8125% | 413 |
| Pretax return on assets | 1.8125% | 714 |
| Return on Equity (ROE) | 27.9900% | 147 |
| Retained earnings to average equity (ytd only) | 8.9668% | 1,487 |
| Net charge-offs to loans | 0.2467% | 322 |
| Credit loss provision to net charge-offs | 132.4885% | 1,393 |
| Earnings coverage of net charge-offs (x) | 14.1406% | 2,044 |
| Efficiency ratio | 49.2852% | 4,172 |
| Assets per employee ($millions) | 9.6582% | 745 |
| Cash dividends to net income (ytd only)* | 67.9612% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8505% | 593 |
| Loan loss allowance to noncurrent loans | 119.8895% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.9068% | 491 |
| Noncurrent loans to loans | 1.5435% | 419 |
| Net loans and leases to total assets | 57.6600% | 2,848 |
| Net loans and leases to deposits | 60.3113% | 3,312 |
| Net loans and leases to core deposits | 67.1073% | 3,063 |
| Total domestic deposits to total assets | 95.6100% | 99 |
| Equity capital to assets | 4.0587% | 4,511 |
| Core capital (leverage) ratio | 11.9667% | 1,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $306,862,200 | 2,421 |
| Average earning assets | $299,411,000 | 2,338 |
| Average equity | $19,873,400 | 2,961 |
| Average total loans | $175,955,000 | 2,406 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 1,092 |
| Cost of funding earning assets | 0.3803% | 1,436 |
| Net interest margin | 3.7033% | 1,127 |
| Noninterest income to average assets | 0.1100% | 4,421 |
| Noninterest expense to average assets | 1.9054% | 3,740 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.6683% | 573 |
| Return on assets (ROA) | 1.6683% | 554 |
| Pretax return on assets | 1.6683% | 963 |
| Return on Equity (ROE) | 23.6200% | 231 |
| Retained earnings to average equity (ytd only) | 9.3131% | 1,548 |
| Net charge-offs to loans | 0.1743% | 383 |
| Credit loss provision to net charge-offs | 152.1739% | 1,122 |
| Earnings coverage of net charge-offs (x) | 18.3174% | 1,769 |
| Efficiency ratio | 51.1536% | 4,074 |
| Assets per employee ($millions) | 10.1485% | 624 |
| Cash dividends to net income (ytd only)* | 60.5747% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8072% | 718 |
| Loan loss allowance to noncurrent loans | 200.8070% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 1,021 |
| Noncurrent loans to loans | 0.9000% | 869 |
| Net loans and leases to total assets | 57.7300% | 2,728 |
| Net loans and leases to deposits | 60.7605% | 3,131 |
| Net loans and leases to core deposits | 68.3262% | 2,771 |
| Total domestic deposits to total assets | 95.0200% | 218 |
| Equity capital to assets | 4.6335% | 4,367 |
| Core capital (leverage) ratio | 11.5044% | 1,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $308,726,500 | 2,422 |
| Average earning assets | $301,488,000 | 2,351 |
| Average equity | $21,803,750 | 2,839 |
| Average total loans | $175,969,250 | 2,410 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 1,438 |
| Cost of funding earning assets | 0.3545% | 1,224 |
| Net interest margin | 3.3871% | 1,643 |
| Noninterest income to average assets | 0.1090% | 4,448 |
| Noninterest expense to average assets | 1.8597% | 3,811 |
| Loan and lease loss provision to assets | 0.0451% | 1,768 |
| Net operating income to assets | 1.5186% | 678 |
| Return on assets (ROA) | 1.5186% | 656 |
| Pretax return on assets | 1.5186% | 1,126 |
| Return on Equity (ROE) | 19.3276% | 361 |
| Retained earnings to average equity (ytd only) | 6.5246% | 2,167 |
| Net charge-offs to loans | 0.2092% | 310 |
| Credit loss provision to net charge-offs | 38.2514% | 1,538 |
| Earnings coverage of net charge-offs (x) | 13.2514% | 1,691 |
| Efficiency ratio | 54.3228% | 3,931 |
| Assets per employee ($millions) | 15.3702% | 187 |
| Cash dividends to net income (ytd only)* | 66.2420% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 1,108 |
| Loan loss allowance to noncurrent loans | 187.9148% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 1,098 |
| Noncurrent loans to loans | 0.8603% | 987 |
| Net loans and leases to total assets | 59.4103% | 2,394 |
| Net loans and leases to deposits | 62.9618% | 2,809 |
| Net loans and leases to core deposits | 70.6665% | 2,432 |
| Total domestic deposits to total assets | 94.3592% | 220 |
| Equity capital to assets | 5.3614% | 4,403 |
| Core capital (leverage) ratio | 11.6286% | 1,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,150,000 | 2,432 |
| Average earning assets | $303,503,333 | 2,359 |
| Average equity | $24,369,333 | 2,719 |
| Average total loans | $174,956,000 | 2,419 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 1,488 |
| Cost of funding earning assets | 0.3513% | 1,192 |
| Net interest margin | 3.2572% | 1,693 |
| Noninterest income to average assets | 0.1130% | 4,443 |
| Noninterest expense to average assets | 1.8875% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4163% | 766 |
| Return on assets (ROA) | 1.4163% | 761 |
| Pretax return on assets | 1.4163% | 1,210 |
| Return on Equity (ROE) | 15.5827% | 572 |
| Retained earnings to average equity (ytd only) | 4.5632% | 2,753 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1318% | 3,765 |
| Assets per employee ($millions) | 15.2721% | 193 |
| Cash dividends to net income (ytd only)* | 70.7162% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8085% | 867 |
| Loan loss allowance to noncurrent loans | 445.4936% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 2,273 |
| Noncurrent loans to loans | 0.4060% | 2,041 |
| Net loans and leases to total assets | 55.3529% | 2,595 |
| Net loans and leases to deposits | 60.2388% | 2,879 |
| Net loans and leases to core deposits | 67.7762% | 2,475 |
| Total domestic deposits to total assets | 91.8891% | 621 |
| Equity capital to assets | 7.9973% | 3,570 |
| Core capital (leverage) ratio | 11.2808% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,523,500 | 2,440 |
| Average earning assets | $305,168,500 | 2,363 |
| Average equity | $28,313,500 | 2,579 |
| Average total loans | $169,619,000 | 2,459 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9982% | 1,360 |
| Cost of funding earning assets | 0.4344% | 1,292 |
| Net interest margin | 3.5639% | 1,565 |
| Noninterest income to average assets | 0.1527% | 4,386 |
| Noninterest expense to average assets | 1.9877% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6419% | 723 |
| Return on assets (ROA) | 1.6419% | 758 |
| Pretax return on assets | 1.6419% | 1,302 |
| Return on Equity (ROE) | 14.3185% | 1,100 |
| Retained earnings to average equity (ytd only) | 1.5996% | 4,092 |
| Net charge-offs to loans | 0.0006% | 2,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 4,762.0000% | 23 |
| Efficiency ratio | 54.7639% | 3,847 |
| Assets per employee ($millions) | 15.8803% | 180 |
| Cash dividends to net income (ytd only)* | 88.8282% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 778 |
| Loan loss allowance to noncurrent loans | 192.8173% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 1,311 |
| Noncurrent loans to loans | 0.9668% | 1,033 |
| Net loans and leases to total assets | 51.6173% | 3,106 |
| Net loans and leases to deposits | 57.5453% | 3,292 |
| Net loans and leases to core deposits | 64.2570% | 2,956 |
| Total domestic deposits to total assets | 89.6985% | 1,112 |
| Equity capital to assets | 10.1384% | 2,531 |
| Core capital (leverage) ratio | 11.1202% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,029,800 | 2,481 |
| Average earning assets | $282,948,800 | 2,416 |
| Average equity | $33,257,600 | 2,375 |
| Average total loans | $173,264,000 | 2,436 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 1,171 |
| Cost of funding earning assets | 0.4585% | 1,297 |
| Net interest margin | 3.7004% | 1,326 |
| Noninterest income to average assets | 0.1596% | 4,404 |
| Noninterest expense to average assets | 2.0418% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7207% | 792 |
| Return on assets (ROA) | 1.7207% | 826 |
| Pretax return on assets | 1.7207% | 1,358 |
| Return on Equity (ROE) | 14.5334% | 1,249 |
| Retained earnings to average equity (ytd only) | 5.2263% | 3,130 |
| Net charge-offs to loans | -0.0031% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2678% | 3,771 |
| Assets per employee ($millions) | 14.9139% | 207 |
| Cash dividends to net income (ytd only)* | 64.0394% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 910 |
| Loan loss allowance to noncurrent loans | 419.2204% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.2494% | 2,534 |
| Noncurrent loans to loans | 0.4319% | 2,262 |
| Net loans and leases to total assets | 56.7120% | 2,648 |
| Net loans and leases to deposits | 64.1702% | 2,830 |
| Net loans and leases to core deposits | 72.0930% | 2,418 |
| Total domestic deposits to total assets | 88.3776% | 1,629 |
| Equity capital to assets | 11.4363% | 1,718 |
| Core capital (leverage) ratio | 11.9862% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,136,000 | 2,542 |
| Average earning assets | $275,673,500 | 2,478 |
| Average equity | $33,522,000 | 2,386 |
| Average total loans | $174,816,750 | 2,464 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 955 |
| Cost of funding earning assets | 0.4796% | 1,331 |
| Net interest margin | 3.8501% | 1,066 |
| Noninterest income to average assets | 0.1510% | 4,446 |
| Noninterest expense to average assets | 2.0706% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8217% | 681 |
| Return on assets (ROA) | 1.8217% | 714 |
| Pretax return on assets | 1.8217% | 1,185 |
| Return on Equity (ROE) | 15.2016% | 1,105 |
| Retained earnings to average equity (ytd only) | 5.8394% | 2,877 |
| Net charge-offs to loans | -0.0011% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1966% | 3,904 |
| Assets per employee ($millions) | 14.1854% | 229 |
| Cash dividends to net income (ytd only)* | 61.5871% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7597% | 953 |
| Loan loss allowance to noncurrent loans | 733.1765% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 3,253 |
| Noncurrent loans to loans | 0.2400% | 3,086 |
| Net loans and leases to total assets | 61.3176% | 2,262 |
| Net loans and leases to deposits | 69.5390% | 2,458 |
| Net loans and leases to core deposits | 76.5797% | 2,185 |
| Total domestic deposits to total assets | 88.1773% | 1,736 |
| Equity capital to assets | 11.6627% | 1,541 |
| Core capital (leverage) ratio | 12.5470% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $278,089,000 | 2,562 |
| Average earning assets | $270,225,667 | 2,501 |
| Average equity | $33,325,333 | 2,388 |
| Average total loans | $175,663,000 | 2,467 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 888 |
| Cost of funding earning assets | 0.4954% | 1,417 |
| Net interest margin | 3.9239% | 947 |
| Noninterest income to average assets | 0.1671% | 4,363 |
| Noninterest expense to average assets | 2.1912% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7742% | 823 |
| Return on assets (ROA) | 1.7742% | 879 |
| Pretax return on assets | 1.7742% | 1,344 |
| Return on Equity (ROE) | 14.6035% | 1,297 |
| Retained earnings to average equity (ytd only) | 5.2745% | 3,134 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2583% | 3,640 |
| Assets per employee ($millions) | 13.9820% | 238 |
| Cash dividends to net income (ytd only)* | 63.8821% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 948 |
| Loan loss allowance to noncurrent loans | 761.6137% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,441 |
| Noncurrent loans to loans | 0.2294% | 3,279 |
| Net loans and leases to total assets | 62.6473% | 2,211 |
| Net loans and leases to deposits | 71.0326% | 2,415 |
| Net loans and leases to core deposits | 78.1495% | 2,172 |
| Total domestic deposits to total assets | 88.1952% | 1,741 |
| Equity capital to assets | 11.6911% | 1,444 |
| Core capital (leverage) ratio | 12.7875% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,279,500 | 2,571 |
| Average earning assets | $266,472,500 | 2,512 |
| Average equity | $33,444,000 | 2,379 |
| Average total loans | $174,955,000 | 2,475 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6906% | 911 |
| Cost of funding earning assets | 0.6554% | 1,959 |
| Net interest margin | 4.0352% | 905 |
| Noninterest income to average assets | 0.1550% | 4,517 |
| Noninterest expense to average assets | 2.0626% | 4,018 |
| Loan and lease loss provision to assets | 0.1336% | 2,688 |
| Net operating income to assets | 1.8793% | 333 |
| Return on assets (ROA) | 1.8793% | 357 |
| Pretax return on assets | 1.8793% | 579 |
| Return on Equity (ROE) | 14.4173% | 731 |
| Retained earnings to average equity (ytd only) | 1.2827% | 4,114 |
| Net charge-offs to loans | 0.0022% | 3,324 |
| Credit loss provision to net charge-offs | 8,750.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 1,318.2500% | 84 |
| Efficiency ratio | 50.6088% | 4,494 |
| Assets per employee ($millions) | 8.4662% | 900 |
| Cash dividends to net income (ytd only)* | 91.1030% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 829 |
| Loan loss allowance to noncurrent loans | 774.8756% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,537 |
| Noncurrent loans to loans | 0.2343% | 3,359 |
| Net loans and leases to total assets | 62.1931% | 2,582 |
| Net loans and leases to deposits | 71.3838% | 2,747 |
| Net loans and leases to core deposits | 78.7192% | 2,482 |
| Total domestic deposits to total assets | 87.1249% | 1,875 |
| Equity capital to assets | 12.6219% | 1,265 |
| Core capital (leverage) ratio | 12.7702% | 962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,954,000 | 2,508 |
| Average earning assets | $254,508,000 | 2,444 |
| Average equity | $34,146,400 | 2,276 |
| Average total loans | $183,041,400 | 2,386 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 798 |
| Cost of funding earning assets | 0.6931% | 2,064 |
| Net interest margin | 4.1626% | 787 |
| Noninterest income to average assets | 0.1458% | 4,577 |
| Noninterest expense to average assets | 2.0720% | 4,004 |
| Loan and lease loss provision to assets | 0.1798% | 2,188 |
| Net operating income to assets | 1.9513% | 329 |
| Return on assets (ROA) | 1.9513% | 360 |
| Pretax return on assets | 1.9513% | 565 |
| Return on Equity (ROE) | 14.8469% | 721 |
| Retained earnings to average equity (ytd only) | 2.7967% | 3,607 |
| Net charge-offs to loans | 0.0029% | 3,070 |
| Credit loss provision to net charge-offs | 8,750.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,037.7500% | 115 |
| Efficiency ratio | 49.2977% | 4,537 |
| Assets per employee ($millions) | 8.1907% | 933 |
| Cash dividends to net income (ytd only)* | 81.1629% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 71.1753% | 1,791 |
| Net loans and leases to deposits | 82.2007% | 2,076 |
| Net loans and leases to core deposits | 90.9819% | 1,884 |
| Total domestic deposits to total assets | 86.5873% | 1,818 |
| Equity capital to assets | 13.2296% | 1,093 |
| Core capital (leverage) ratio | 13.1295% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $259,712,750 | 2,503 |
| Average earning assets | $253,137,750 | 2,427 |
| Average equity | $34,134,250 | 2,266 |
| Average total loans | $185,899,750 | 2,369 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0206% | 797 |
| Cost of funding earning assets | 0.7419% | 2,169 |
| Net interest margin | 4.2787% | 790 |
| Noninterest income to average assets | 0.1452% | 4,580 |
| Noninterest expense to average assets | 2.0972% | 4,036 |
| Loan and lease loss provision to assets | 0.1815% | 2,204 |
| Net operating income to assets | 2.0362% | 306 |
| Return on assets (ROA) | 2.0362% | 340 |
| Pretax return on assets | 2.0362% | 507 |
| Return on Equity (ROE) | 15.5269% | 630 |
| Retained earnings to average equity (ytd only) | 2.6565% | 3,527 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6037% | 4,584 |
| Assets per employee ($millions) | 8.1936% | 904 |
| Cash dividends to net income (ytd only)* | 82.8907% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6270% | 945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.2707% | 2,145 |
| Net loans and leases to deposits | 79.9402% | 2,429 |
| Net loans and leases to core deposits | 89.5525% | 2,107 |
| Total domestic deposits to total assets | 86.6531% | 1,753 |
| Equity capital to assets | 13.1753% | 1,087 |
| Core capital (leverage) ratio | 13.0584% | 983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,916,333 | 2,484 |
| Average earning assets | $252,319,667 | 2,405 |
| Average equity | $33,954,000 | 2,259 |
| Average total loans | $184,644,000 | 2,360 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 843 |
| Cost of funding earning assets | 0.8293% | 2,228 |
| Net interest margin | 4.2436% | 840 |
| Noninterest income to average assets | 0.1306% | 4,715 |
| Noninterest expense to average assets | 2.1813% | 4,056 |
| Loan and lease loss provision to assets | 0.1555% | 1,847 |
| Net operating income to assets | 1.9310% | 310 |
| Return on assets (ROA) | 1.9310% | 339 |
| Pretax return on assets | 1.9310% | 530 |
| Return on Equity (ROE) | 14.7600% | 581 |
| Retained earnings to average equity (ytd only) | 0.4991% | 3,882 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1111% | 4,605 |
| Assets per employee ($millions) | 8.6262% | 603 |
| Cash dividends to net income (ytd only)* | 96.6184% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 1,130 |
| Loan loss allowance to noncurrent loans | 1,639.4286% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,262 |
| Noncurrent loans to loans | 0.0962% | 4,122 |
| Net loans and leases to total assets | 69.2165% | 2,366 |
| Net loans and leases to deposits | 79.8269% | 2,698 |
| Net loans and leases to core deposits | 90.4830% | 2,298 |
| Total domestic deposits to total assets | 86.7083% | 1,691 |
| Equity capital to assets | 13.1283% | 1,370 |
| Core capital (leverage) ratio | 13.1310% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,276,500 | 2,448 |
| Average earning assets | $250,827,000 | 2,365 |
| Average equity | $33,658,500 | 2,264 |
| Average total loans | $184,651,500 | 2,312 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5785% | 493 |
| Cost of funding earning assets | 0.8851% | 2,260 |
| Net interest margin | 4.6935% | 479 |
| Noninterest income to average assets | 0.1454% | 4,754 |
| Noninterest expense to average assets | 2.1720% | 4,222 |
| Loan and lease loss provision to assets | 0.0492% | 3,037 |
| Net operating income to assets | 2.4842% | 139 |
| Return on assets (ROA) | 2.4821% | 148 |
| Pretax return on assets | 2.4821% | 220 |
| Return on Equity (ROE) | 18.2342% | 325 |
| Retained earnings to average equity (ytd only) | 3.2622% | 3,381 |
| Net charge-offs to loans | 0.0729% | 2,055 |
| Credit loss provision to net charge-offs | 87.5912% | 2,682 |
| Earnings coverage of net charge-offs (x) | 45.1387% | 1,210 |
| Efficiency ratio | 46.1605% | 4,906 |
| Assets per employee ($millions) | 8.5256% | 588 |
| Cash dividends to net income (ytd only)* | 82.1093% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,288 |
| Loan loss allowance to noncurrent loans | 1,619.2982% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,289 |
| Noncurrent loans to loans | 0.0913% | 4,163 |
| Net loans and leases to total assets | 72.1525% | 2,068 |
| Net loans and leases to deposits | 83.1608% | 2,423 |
| Net loans and leases to core deposits | 94.5206% | 2,019 |
| Total domestic deposits to total assets | 86.7626% | 1,726 |
| Equity capital to assets | 13.0364% | 1,499 |
| Core capital (leverage) ratio | 13.1878% | 1,158 |
| Tier 1 risk-based capital ratio | 17.3969% | 1,925 |
| Total risk-based capital ratio | 18.6490% | 1,880 |
| Memoranda: | ||
| Average total assets | $244,105,000 | 2,500 |
| Average earning assets | $237,160,200 | 2,427 |
| Average equity | $33,228,800 | 2,224 |
| Average total loans | $187,892,600 | 2,248 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6920% | 418 |
| Cost of funding earning assets | 0.8716% | 2,362 |
| Net interest margin | 4.8204% | 403 |
| Noninterest income to average assets | 0.1487% | 4,802 |
| Noninterest expense to average assets | 2.1786% | 4,220 |
| Loan and lease loss provision to assets | 0.0608% | 2,683 |
| Net operating income to assets | 2.5899% | 143 |
| Return on assets (ROA) | 2.5871% | 149 |
| Pretax return on assets | 2.5871% | 210 |
| Return on Equity (ROE) | 18.7946% | 332 |
| Retained earnings to average equity (ytd only) | 5.1404% | 2,823 |
| Net charge-offs to loans | 0.0971% | 1,500 |
| Credit loss provision to net charge-offs | 80.2920% | 2,502 |
| Earnings coverage of net charge-offs (x) | 35.0004% | 1,480 |
| Efficiency ratio | 45.1122% | 4,972 |
| Assets per employee ($millions) | 8.4476% | 583 |
| Cash dividends to net income (ytd only)* | 72.6496% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4103% | 1,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 76.1079% | 1,460 |
| Net loans and leases to deposits | 88.0850% | 1,919 |
| Net loans and leases to core deposits | 97.5664% | 1,853 |
| Total domestic deposits to total assets | 86.4028% | 1,818 |
| Equity capital to assets | 13.3451% | 1,437 |
| Core capital (leverage) ratio | 13.6780% | 1,084 |
| Tier 1 risk-based capital ratio | 17.1167% | 2,046 |
| Total risk-based capital ratio | 18.3683% | 1,998 |
| Memoranda: | ||
| Average total assets | $241,189,250 | 2,539 |
| Average earning assets | $234,195,250 | 2,464 |
| Average equity | $33,200,250 | 2,244 |
| Average total loans | $188,037,750 | 2,274 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7130% | 394 |
| Cost of funding earning assets | 0.8375% | 2,459 |
| Net interest margin | 4.8755% | 356 |
| Noninterest income to average assets | 0.1459% | 4,842 |
| Noninterest expense to average assets | 2.2285% | 4,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.6460% | 129 |
| Return on assets (ROA) | 2.6418% | 134 |
| Pretax return on assets | 2.6418% | 199 |
| Return on Equity (ROE) | 18.9855% | 317 |
| Retained earnings to average equity (ytd only) | 5.6496% | 2,446 |
| Net charge-offs to loans | 0.1455% | 1,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 23.2370% | 1,658 |
| Efficiency ratio | 45.7173% | 5,001 |
| Assets per employee ($millions) | 8.0303% | 663 |
| Cash dividends to net income (ytd only)* | 70.2427% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 1,657 |
| Loan loss allowance to noncurrent loans | 20,392.3077% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,786 |
| Noncurrent loans to loans | 0.0068% | 4,698 |
| Net loans and leases to total assets | 78.0756% | 1,209 |
| Net loans and leases to deposits | 90.8622% | 1,648 |
| Net loans and leases to core deposits | 99.3944% | 1,775 |
| Total domestic deposits to total assets | 85.9275% | 2,072 |
| Equity capital to assets | 13.8936% | 1,163 |
| Core capital (leverage) ratio | 14.1397% | 926 |
| Tier 1 risk-based capital ratio | 17.3687% | 1,977 |
| Total risk-based capital ratio | 18.6198% | 1,935 |
| Memoranda: | ||
| Average total assets | $237,110,000 | 2,572 |
| Average earning assets | $229,968,000 | 2,503 |
| Average equity | $32,993,670 | 2,248 |
| Average total loans | $185,504,670 | 2,299 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 374 |
| Cost of funding earning assets | 0.7998% | 2,541 |
| Net interest margin | 4.8777% | 350 |
| Noninterest income to average assets | 0.1565% | 4,802 |
| Noninterest expense to average assets | 2.2465% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6291% | 133 |
| Return on assets (ROA) | 2.6019% | 147 |
| Pretax return on assets | 2.6019% | 212 |
| Return on Equity (ROE) | 18.6842% | 344 |
| Retained earnings to average equity (ytd only) | 5.2511% | 2,803 |
| Net charge-offs to loans | 0.2996% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.2847% | 1,916 |
| Efficiency ratio | 46.0760% | 5,025 |
| Assets per employee ($millions) | 7.8912% | 699 |
| Cash dividends to net income (ytd only)* | 71.8954% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 75.3984% | 1,581 |
| Net loans and leases to deposits | 87.7678% | 1,904 |
| Net loans and leases to core deposits | 94.3834% | 2,088 |
| Total domestic deposits to total assets | 85.9067% | 2,319 |
| Equity capital to assets | 13.9370% | 1,064 |
| Core capital (leverage) ratio | 14.2279% | 890 |
| Tier 1 risk-based capital ratio | 17.7524% | 1,871 |
| Total risk-based capital ratio | 19.0043% | 1,826 |
| Memoranda: | ||
| Average total assets | $235,210,000 | 2,603 |
| Average earning assets | $227,564,500 | 2,535 |
| Average equity | $32,755,000 | 2,264 |
| Average total loans | $182,885,500 | 2,337 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 407 |
| Cost of funding earning assets | 0.7452% | 1,817 |
| Net interest margin | 4.7484% | 445 |
| Noninterest income to average assets | 0.1227% | 5,066 |
| Noninterest expense to average assets | 2.1582% | 4,432 |
| Loan and lease loss provision to assets | 0.1115% | 1,979 |
| Net operating income to assets | 2.4061% | 170 |
| Return on assets (ROA) | 2.4061% | 167 |
| Pretax return on assets | 2.4061% | 244 |
| Return on Equity (ROE) | 17.6641% | 423 |
| Retained earnings to average equity (ytd only) | 4.6191% | 2,987 |
| Net charge-offs to loans | 0.1279% | 1,474 |
| Credit loss provision to net charge-offs | 106.9959% | 2,395 |
| Earnings coverage of net charge-offs (x) | 24.1564% | 1,825 |
| Efficiency ratio | 46.1567% | 5,115 |
| Assets per employee ($millions) | 7.7894% | 709 |
| Cash dividends to net income (ytd only)* | 73.8503% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,263 |
| Loan loss allowance to noncurrent loans | 2,018.8406% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 4,546 |
| Noncurrent loans to loans | 0.0747% | 4,421 |
| Net loans and leases to total assets | 77.8148% | 1,298 |
| Net loans and leases to deposits | 90.5745% | 1,722 |
| Net loans and leases to core deposits | 96.6653% | 1,998 |
| Total domestic deposits to total assets | 85.9125% | 2,280 |
| Equity capital to assets | 13.9146% | 1,002 |
| Core capital (leverage) ratio | 13.6981% | 1,010 |
| Tier 1 risk-based capital ratio | 17.2475% | 1,976 |
| Total risk-based capital ratio | 18.4999% | 1,926 |
| Memoranda: | ||
| Average total assets | $233,160,200 | 2,596 |
| Average earning assets | $223,568,800 | 2,532 |
| Average equity | $31,759,400 | 2,234 |
| Average total loans | $190,040,000 | 2,250 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4359% | 414 |
| Cost of funding earning assets | 0.7178% | 1,758 |
| Net interest margin | 4.7181% | 453 |
| Noninterest income to average assets | 0.1190% | 5,137 |
| Noninterest expense to average assets | 2.1261% | 4,493 |
| Loan and lease loss provision to assets | 0.1488% | 1,336 |
| Net operating income to assets | 2.3607% | 198 |
| Return on assets (ROA) | 2.3607% | 198 |
| Pretax return on assets | 2.3607% | 301 |
| Return on Equity (ROE) | 17.4253% | 492 |
| Retained earnings to average equity (ytd only) | 4.3204% | 3,600 |
| Net charge-offs to loans | -0.0202% | 4,628 |
| Credit loss provision to net charge-offs | -896.5517% | 4,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8652% | 5,150 |
| Assets per employee ($millions) | 7.9555% | 662 |
| Cash dividends to net income (ytd only)* | 75.2060% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5701% | 1,151 |
| Loan loss allowance to noncurrent loans | 112.0557% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 2.1612% | 463 |
| Noncurrent loans to loans | 1.4012% | 1,184 |
| Net loans and leases to total assets | 80.3227% | 965 |
| Net loans and leases to deposits | 93.0389% | 1,501 |
| Net loans and leases to core deposits | 99.6460% | 1,823 |
| Total domestic deposits to total assets | 86.3324% | 2,044 |
| Equity capital to assets | 13.4460% | 1,155 |
| Core capital (leverage) ratio | 13.6298% | 1,048 |
| Tier 1 risk-based capital ratio | 16.0940% | 2,410 |
| Total risk-based capital ratio | 17.3471% | 2,352 |
| Memoranda: | ||
| Average total assets | $233,029,500 | 2,599 |
| Average earning assets | $223,080,750 | 2,548 |
| Average equity | $31,570,250 | 2,248 |
| Average total loans | $191,393,500 | 2,247 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 382 |
| Cost of funding earning assets | 0.6797% | 1,741 |
| Net interest margin | 4.7256% | 410 |
| Noninterest income to average assets | 0.1211% | 5,189 |
| Noninterest expense to average assets | 2.1510% | 4,484 |
| Loan and lease loss provision to assets | 0.1384% | 1,411 |
| Net operating income to assets | 2.3491% | 186 |
| Return on assets (ROA) | 2.3491% | 182 |
| Pretax return on assets | 2.3491% | 301 |
| Return on Equity (ROE) | 17.2948% | 492 |
| Retained earnings to average equity (ytd only) | 4.1533% | 3,535 |
| Net charge-offs to loans | -0.0294% | 4,730 |
| Credit loss provision to net charge-offs | -571.4286% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3719% | 5,196 |
| Assets per employee ($millions) | 7.6304% | 730 |
| Cash dividends to net income (ytd only)* | 75.9853% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,285 |
| Loan loss allowance to noncurrent loans | 87.4593% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 342 |
| Noncurrent loans to loans | 1.7542% | 903 |
| Net loans and leases to total assets | 82.9074% | 589 |
| Net loans and leases to deposits | 96.4149% | 1,101 |
| Net loans and leases to core deposits | 101.6502% | 1,588 |
| Total domestic deposits to total assets | 85.9902% | 2,285 |
| Equity capital to assets | 13.8564% | 967 |
| Core capital (leverage) ratio | 14.0385% | 907 |
| Tier 1 risk-based capital ratio | 15.9772% | 2,445 |
| Total risk-based capital ratio | 17.2297% | 2,383 |
| Memoranda: | ||
| Average total assets | $231,150,670 | 2,630 |
| Average earning assets | $220,967,330 | 2,580 |
| Average equity | $31,396,670 | 2,263 |
| Average total loans | $190,271,000 | 2,262 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 473 |
| Cost of funding earning assets | 0.6520% | 1,711 |
| Net interest margin | 4.5658% | 540 |
| Noninterest income to average assets | 0.1223% | 5,243 |
| Noninterest expense to average assets | 2.1509% | 4,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.3369% | 194 |
| Return on assets (ROA) | 2.3369% | 195 |
| Pretax return on assets | 2.3369% | 301 |
| Return on Equity (ROE) | 17.3777% | 474 |
| Retained earnings to average equity (ytd only) | 4.2772% | 3,473 |
| Net charge-offs to loans | -0.0571% | 5,029 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9279% | 5,196 |
| Assets per employee ($millions) | 7.5943% | 738 |
| Cash dividends to net income (ytd only)* | 75.3869% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4771% | 1,548 |
| Loan loss allowance to noncurrent loans | 89.4434% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.4382% | 391 |
| Noncurrent loans to loans | 1.6515% | 1,044 |
| Net loans and leases to total assets | 81.8560% | 682 |
| Net loans and leases to deposits | 95.0815% | 1,123 |
| Net loans and leases to core deposits | 100.9544% | 1,617 |
| Total domestic deposits to total assets | 86.0904% | 2,512 |
| Equity capital to assets | 13.7832% | 950 |
| Core capital (leverage) ratio | 13.7050% | 946 |
| Tier 1 risk-based capital ratio | 16.0908% | 2,429 |
| Total risk-based capital ratio | 17.3429% | 2,381 |
| Memoranda: | ||
| Average total assets | $232,270,000 | 2,643 |
| Average earning assets | $222,087,500 | 2,595 |
| Average equity | $31,235,500 | 2,286 |
| Average total loans | $189,035,500 | 2,287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 678 |
| Cost of funding earning assets | 0.6090% | 1,533 |
| Net interest margin | 4.3664% | 826 |
| Noninterest income to average assets | 0.0945% | 5,427 |
| Noninterest expense to average assets | 2.0689% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.2028% | 192 |
| Return on assets (ROA) | 2.2028% | 193 |
| Pretax return on assets | 2.2028% | 314 |
| Return on Equity (ROE) | 16.5274% | 431 |
| Retained earnings to average equity (ytd only) | 3.4558% | 3,212 |
| Net charge-offs to loans | -0.1008% | 5,377 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4333% | 5,292 |
| Assets per employee ($millions) | 7.8904% | 662 |
| Cash dividends to net income (ytd only)* | 79.0905% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,521 |
| Loan loss allowance to noncurrent loans | 92,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 1.0274% | 1,492 |
| Noncurrent loans to loans | 0.0016% | 5,069 |
| Net loans and leases to total assets | 78.5828% | 1,203 |
| Net loans and leases to deposits | 90.6051% | 1,698 |
| Net loans and leases to core deposits | 96.5199% | 1,980 |
| Total domestic deposits to total assets | 86.7311% | 2,126 |
| Equity capital to assets | 13.1252% | 1,207 |
| Core capital (leverage) ratio | 13.1115% | 1,108 |
| Tier 1 risk-based capital ratio | 16.0855% | 2,399 |
| Total risk-based capital ratio | 17.3377% | 2,340 |
| Memoranda: | ||
| Average total assets | $228,618,800 | 2,646 |
| Average earning assets | $218,715,600 | 2,590 |
| Average equity | $30,470,600 | 2,325 |
| Average total loans | $178,591,000 | 2,346 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 751 |
| Cost of funding earning assets | 0.6084% | 1,474 |
| Net interest margin | 4.2988% | 926 |
| Noninterest income to average assets | 0.0841% | 5,522 |
| Noninterest expense to average assets | 2.0488% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.1553% | 236 |
| Return on assets (ROA) | 2.1553% | 238 |
| Pretax return on assets | 2.1553% | 402 |
| Return on Equity (ROE) | 16.1073% | 520 |
| Retained earnings to average equity (ytd only) | 2.9901% | 4,136 |
| Net charge-offs to loans | -0.1356% | 5,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7334% | 5,311 |
| Assets per employee ($millions) | 7.5399% | 752 |
| Cash dividends to net income (ytd only)* | 81.4359% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 1,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0392% | 1,627 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.8806% | 858 |
| Net loans and leases to deposits | 93.3303% | 1,375 |
| Net loans and leases to core deposits | 100.2732% | 1,681 |
| Total domestic deposits to total assets | 86.6606% | 2,014 |
| Equity capital to assets | 13.1314% | 1,322 |
| Core capital (leverage) ratio | 13.2926% | 1,110 |
| Tier 1 risk-based capital ratio | 15.7934% | 2,593 |
| Total risk-based capital ratio | 17.0451% | 2,532 |
| Memoranda: | ||
| Average total assets | $226,595,500 | 2,688 |
| Average earning assets | $217,169,250 | 2,625 |
| Average equity | $30,321,000 | 2,354 |
| Average total loans | $176,042,750 | 2,382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 777 |
| Cost of funding earning assets | 0.6037% | 1,420 |
| Net interest margin | 4.2434% | 986 |
| Noninterest income to average assets | 0.0937% | 5,544 |
| Noninterest expense to average assets | 2.0614% | 4,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0953% | 258 |
| Return on assets (ROA) | 2.0953% | 264 |
| Pretax return on assets | 2.0953% | 449 |
| Return on Equity (ROE) | 15.5578% | 592 |
| Retained earnings to average equity (ytd only) | 2.3777% | 4,255 |
| Net charge-offs to loans | -0.2108% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5923% | 5,327 |
| Assets per employee ($millions) | 7.5244% | 734 |
| Cash dividends to net income (ytd only)* | 84.7169% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 1,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3507% | 1,188 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.8858% | 1,715 |
| Net loans and leases to deposits | 86.6833% | 2,144 |
| Net loans and leases to core deposits | 93.2465% | 2,219 |
| Total domestic deposits to total assets | 86.3901% | 2,198 |
| Equity capital to assets | 13.4539% | 1,164 |
| Core capital (leverage) ratio | 13.7059% | 940 |
| Tier 1 risk-based capital ratio | 17.4153% | 2,034 |
| Total risk-based capital ratio | 18.6691% | 1,991 |
| Memoranda: | ||
| Average total assets | $224,215,000 | 2,727 |
| Average earning assets | $214,685,000 | 2,661 |
| Average equity | $30,197,000 | 2,360 |
| Average total loans | $170,785,000 | 2,432 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8971% | 637 |
| Cost of funding earning assets | 0.6079% | 1,320 |
| Net interest margin | 4.2892% | 809 |
| Noninterest income to average assets | 0.0967% | 5,605 |
| Noninterest expense to average assets | 2.0371% | 4,965 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.1517% | 244 |
| Return on assets (ROA) | 2.1517% | 251 |
| Pretax return on assets | 2.1517% | 384 |
| Return on Equity (ROE) | 15.9679% | 533 |
| Retained earnings to average equity (ytd only) | 2.7233% | 4,049 |
| Net charge-offs to loans | -0.4158% | 5,723 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6325% | 5,437 |
| Assets per employee ($millions) | 7.4646% | 768 |
| Cash dividends to net income (ytd only)* | 82.9451% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,195 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4848% | 1,091 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.3974% | 2,017 |
| Net loans and leases to deposits | 83.7917% | 2,306 |
| Net loans and leases to core deposits | 90.0100% | 2,346 |
| Total domestic deposits to total assets | 86.4017% | 2,493 |
| Equity capital to assets | 13.4912% | 1,069 |
| Core capital (leverage) ratio | 13.6144% | 939 |
| Tier 1 risk-based capital ratio | 18.0546% | 1,858 |
| Total risk-based capital ratio | 19.3090% | 1,816 |
| Memoranda: | ||
| Average total assets | $223,456,000 | 2,763 |
| Average earning assets | $213,189,000 | 2,694 |
| Average equity | $30,110,500 | 2,368 |
| Average total loans | $170,272,000 | 2,459 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 486 |
| Cost of funding earning assets | 0.5625% | 1,589 |
| Net interest margin | 4.5544% | 548 |
| Noninterest income to average assets | 0.2571% | 4,883 |
| Noninterest expense to average assets | 2.2385% | 4,680 |
| Loan and lease loss provision to assets | 0.1336% | 1,869 |
| Net operating income to assets | 2.1992% | 228 |
| Return on assets (ROA) | 2.1992% | 236 |
| Pretax return on assets | 2.1992% | 325 |
| Return on Equity (ROE) | 16.6176% | 445 |
| Retained earnings to average equity (ytd only) | 7.2857% | 1,122 |
| Net charge-offs to loans | -0.0011% | 4,655 |
| Credit loss provision to net charge-offs | -14,600.0000% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9694% | 5,532 |
| Assets per employee ($millions) | 7.1927% | 837 |
| Cash dividends to net income (ytd only)* | 56.1564% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,786 |
| Loan loss allowance to noncurrent loans | 1,670.3226% | 383 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 687 |
| Noncurrent loans to loans | 0.0882% | 4,886 |
| Net loans and leases to total assets | 77.6161% | 1,264 |
| Net loans and leases to deposits | 89.8748% | 1,698 |
| Net loans and leases to core deposits | 96.3774% | 1,890 |
| Total domestic deposits to total assets | 86.3602% | 2,427 |
| Equity capital to assets | 13.4586% | 1,070 |
| Core capital (leverage) ratio | 13.4198% | 996 |
| Tier 1 risk-based capital ratio | 16.5292% | 2,338 |
| Total risk-based capital ratio | 17.7813% | 2,278 |
| Memoranda: | ||
| Average total assets | $218,624,000 | 2,772 |
| Average earning assets | $207,098,000 | 2,719 |
| Average equity | $28,933,200 | 2,457 |
| Average total loans | $182,621,000 | 2,288 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1683% | 444 |
| Cost of funding earning assets | 0.5542% | 1,653 |
| Net interest margin | 4.6141% | 492 |
| Noninterest income to average assets | 0.2678% | 4,855 |
| Noninterest expense to average assets | 2.2457% | 4,657 |
| Loan and lease loss provision to assets | 0.1790% | 1,246 |
| Net operating income to assets | 2.2114% | 239 |
| Return on assets (ROA) | 2.2114% | 252 |
| Pretax return on assets | 2.2114% | 379 |
| Return on Equity (ROE) | 16.7824% | 462 |
| Retained earnings to average equity (ytd only) | 7.4795% | 1,413 |
| Net charge-offs to loans | 0.0723% | 2,279 |
| Credit loss provision to net charge-offs | 292.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,268 |
| Efficiency ratio | 48.4400% | 5,577 |
| Assets per employee ($millions) | 7.1468% | 839 |
| Cash dividends to net income (ytd only)* | 55.4323% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 2,262 |
| Loan loss allowance to noncurrent loans | 1,281.9588% | 459 |
| Noncurrent assets plus other real estate owned to assets | 2.1169% | 716 |
| Noncurrent loans to loans | 0.1081% | 4,909 |
| Net loans and leases to total assets | 79.8723% | 907 |
| Net loans and leases to deposits | 92.3614% | 1,451 |
| Net loans and leases to core deposits | 98.5740% | 1,763 |
| Total domestic deposits to total assets | 86.4780% | 2,138 |
| Equity capital to assets | 13.3189% | 1,339 |
| Core capital (leverage) ratio | 13.4914% | 1,005 |
| Tier 1 risk-based capital ratio | 16.1537% | 2,563 |
| Total risk-based capital ratio | 17.4047% | 2,516 |
| Memoranda: | ||
| Average total assets | $217,536,750 | 2,790 |
| Average earning assets | $205,944,500 | 2,739 |
| Average equity | $28,664,250 | 2,484 |
| Average total loans | $184,363,250 | 2,271 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 408 |
| Cost of funding earning assets | 0.5452% | 1,736 |
| Net interest margin | 4.6785% | 436 |
| Noninterest income to average assets | 0.1369% | 5,621 |
| Noninterest expense to average assets | 2.2720% | 4,679 |
| Loan and lease loss provision to assets | 0.1776% | 1,233 |
| Net operating income to assets | 2.1092% | 273 |
| Return on assets (ROA) | 2.1092% | 289 |
| Pretax return on assets | 2.1092% | 461 |
| Return on Equity (ROE) | 16.0660% | 538 |
| Retained earnings to average equity (ytd only) | 6.7294% | 1,750 |
| Net charge-offs to loans | 0.1086% | 1,738 |
| Credit loss provision to net charge-offs | 190.0990% | 1,350 |
| Earnings coverage of net charge-offs (x) | 24.4752% | 1,545 |
| Efficiency ratio | 49.8377% | 5,571 |
| Assets per employee ($millions) | 6.9877% | 879 |
| Cash dividends to net income (ytd only)* | 58.1140% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,205.0505% | 509 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 554 |
| Noncurrent loans to loans | 0.1062% | 5,020 |
| Net loans and leases to total assets | 84.9548% | 335 |
| Net loans and leases to deposits | 98.1828% | 872 |
| Net loans and leases to core deposits | 104.0258% | 1,318 |
| Total domestic deposits to total assets | 86.5271% | 2,156 |
| Equity capital to assets | 13.3219% | 1,320 |
| Core capital (leverage) ratio | 13.4441% | 1,004 |
| Tier 1 risk-based capital ratio | 15.2509% | 2,959 |
| Total risk-based capital ratio | 16.5008% | 2,898 |
| Memoranda: | ||
| Average total assets | $216,199,000 | 2,813 |
| Average earning assets | $204,338,330 | 2,768 |
| Average equity | $28,383,000 | 2,506 |
| Average total loans | $186,003,000 | 2,250 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 433 |
| Cost of funding earning assets | 0.5338% | 1,839 |
| Net interest margin | 4.6413% | 466 |
| Noninterest income to average assets | 0.1611% | 5,527 |
| Noninterest expense to average assets | 2.2372% | 4,813 |
| Loan and lease loss provision to assets | 0.1704% | 1,210 |
| Net operating income to assets | 2.1334% | 261 |
| Return on assets (ROA) | 2.1334% | 274 |
| Pretax return on assets | 2.1334% | 431 |
| Return on Equity (ROE) | 16.3721% | 496 |
| Retained earnings to average equity (ytd only) | 7.1344% | 1,826 |
| Net charge-offs to loans | 0.0667% | 1,821 |
| Credit loss provision to net charge-offs | 296.7742% | 862 |
| Earnings coverage of net charge-offs (x) | 40.1290% | 1,009 |
| Efficiency ratio | 49.2659% | 5,663 |
| Assets per employee ($millions) | 6.9626% | 910 |
| Cash dividends to net income (ytd only)* | 56.4236% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,949 |
| Loan loss allowance to noncurrent loans | 1,154.9020% | 512 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 582 |
| Noncurrent loans to loans | 0.1119% | 5,025 |
| Net loans and leases to total assets | 83.3665% | 421 |
| Net loans and leases to deposits | 96.1120% | 933 |
| Net loans and leases to core deposits | 101.4730% | 1,375 |
| Total domestic deposits to total assets | 86.7389% | 2,333 |
| Equity capital to assets | 13.1568% | 1,336 |
| Core capital (leverage) ratio | 13.2694% | 1,063 |
| Tier 1 risk-based capital ratio | 15.4273% | 2,959 |
| Total risk-based capital ratio | 16.6773% | 2,895 |
| Memoranda: | ||
| Average total assets | $215,988,500 | 2,822 |
| Average earning assets | $203,822,000 | 2,778 |
| Average equity | $28,145,500 | 2,519 |
| Average total loans | $185,797,000 | 2,255 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2440% | 401 |
| Cost of funding earning assets | 0.5302% | 1,923 |
| Net interest margin | 4.7137% | 438 |
| Noninterest income to average assets | -0.0142% | 6,122 |
| Noninterest expense to average assets | 2.1703% | 5,115 |
| Loan and lease loss provision to assets | 0.0388% | 3,561 |
| Net operating income to assets | 2.2972% | 210 |
| Return on assets (ROA) | 2.2972% | 215 |
| Pretax return on assets | 2.2095% | 340 |
| Return on Equity (ROE) | 18.5923% | 343 |
| Retained earnings to average equity (ytd only) | 8.1524% | 864 |
| Net charge-offs to loans | 0.0403% | 3,416 |
| Credit loss provision to net charge-offs | 111.8421% | 2,263 |
| Earnings coverage of net charge-offs (x) | 64.7895% | 828 |
| Efficiency ratio | 49.1165% | 5,794 |
| Assets per employee ($millions) | 6.9721% | 900 |
| Cash dividends to net income (ytd only)* | 56.1519% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,403 |
| Loan loss allowance to noncurrent loans | 355.8140% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 2.8043% | 501 |
| Noncurrent loans to loans | 0.3407% | 4,241 |
| Net loans and leases to total assets | 86.5214% | 192 |
| Net loans and leases to deposits | 99.5120% | 711 |
| Net loans and leases to core deposits | 105.3740% | 1,141 |
| Total domestic deposits to total assets | 86.9457% | 2,166 |
| Equity capital to assets | 12.9054% | 1,396 |
| Core capital (leverage) ratio | 12.7616% | 1,242 |
| Tier 1 risk-based capital ratio | 14.7440% | 3,307 |
| Total risk-based capital ratio | 15.9563% | 3,256 |
| Memoranda: | ||
| Average total assets | $219,007,000 | 2,752 |
| Average earning assets | $205,951,400 | 2,712 |
| Average equity | $27,059,600 | 2,543 |
| Average total loans | $188,413,800 | 2,170 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 431 |
| Cost of funding earning assets | 0.5349% | 1,930 |
| Net interest margin | 4.6825% | 468 |
| Noninterest income to average assets | -0.0722% | 6,227 |
| Noninterest expense to average assets | 2.1724% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2755% | 226 |
| Return on assets (ROA) | 2.2755% | 235 |
| Pretax return on assets | 2.1590% | 452 |
| Return on Equity (ROE) | 18.6207% | 362 |
| Retained earnings to average equity (ytd only) | 10.5517% | 544 |
| Net charge-offs to loans | 0.0595% | 2,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 42.3561% | 1,183 |
| Efficiency ratio | 50.1541% | 5,770 |
| Assets per employee ($millions) | 7.0655% | 842 |
| Cash dividends to net income (ytd only)* | 43.3332% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,797 |
| Loan loss allowance to noncurrent loans | 338.7692% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 2.8576% | 556 |
| Noncurrent loans to loans | 0.3464% | 4,371 |
| Net loans and leases to total assets | 84.6550% | 333 |
| Net loans and leases to deposits | 97.1772% | 892 |
| Net loans and leases to core deposits | 103.5669% | 1,259 |
| Total domestic deposits to total assets | 87.1140% | 1,974 |
| Equity capital to assets | 12.6988% | 1,616 |
| Core capital (leverage) ratio | 12.4857% | 1,424 |
| Tier 1 risk-based capital ratio | 15.0163% | 3,281 |
| Total risk-based capital ratio | 16.2044% | 3,262 |
| Memoranda: | ||
| Average total assets | $219,725,000 | 2,772 |
| Average earning assets | $206,636,250 | 2,729 |
| Average equity | $26,851,250 | 2,573 |
| Average total loans | $188,192,750 | 2,189 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 474 |
| Cost of funding earning assets | 0.5413% | 1,896 |
| Net interest margin | 4.5889% | 540 |
| Noninterest income to average assets | -0.0991% | 6,302 |
| Noninterest expense to average assets | 2.1686% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2159% | 246 |
| Return on assets (ROA) | 2.2159% | 261 |
| Pretax return on assets | 2.0413% | 558 |
| Return on Equity (ROE) | 18.3714% | 389 |
| Retained earnings to average equity (ytd only) | 11.2098% | 479 |
| Net charge-offs to loans | 0.0892% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 26.7262% | 1,473 |
| Efficiency ratio | 51.5119% | 5,754 |
| Assets per employee ($millions) | 7.2963% | 733 |
| Cash dividends to net income (ytd only)* | 38.9824% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1546% | 4,058 |
| Loan loss allowance to noncurrent loans | 242.2442% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 3.1306% | 512 |
| Noncurrent loans to loans | 0.4766% | 4,044 |
| Net loans and leases to total assets | 83.3464% | 431 |
| Net loans and leases to deposits | 94.8824% | 1,059 |
| Net loans and leases to core deposits | 101.1602% | 1,392 |
| Total domestic deposits to total assets | 87.8418% | 1,733 |
| Equity capital to assets | 12.0167% | 2,014 |
| Core capital (leverage) ratio | 12.1873% | 1,544 |
| Tier 1 risk-based capital ratio | 14.4510% | 3,664 |
| Total risk-based capital ratio | 15.6212% | 3,640 |
| Memoranda: | ||
| Average total assets | $219,957,000 | 2,789 |
| Average earning assets | $206,540,330 | 2,742 |
| Average equity | $26,530,330 | 2,609 |
| Average total loans | $188,383,330 | 2,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 515 |
| Cost of funding earning assets | 0.5403% | 1,924 |
| Net interest margin | 4.5249% | 580 |
| Noninterest income to average assets | -0.1918% | 6,382 |
| Noninterest expense to average assets | 2.1453% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9111% | 398 |
| Return on assets (ROA) | 1.9111% | 425 |
| Pretax return on assets | 1.9111% | 703 |
| Return on Equity (ROE) | 15.8135% | 593 |
| Retained earnings to average equity (ytd only) | 15.8135% | 230 |
| Net charge-offs to loans | -0.0043% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8877% | 5,755 |
| Assets per employee ($millions) | 7.0094% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 3,823 |
| Loan loss allowance to noncurrent loans | 300.1312% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 3.2565% | 538 |
| Noncurrent loans to loans | 0.4074% | 4,371 |
| Net loans and leases to total assets | 85.0321% | 245 |
| Net loans and leases to deposits | 97.0512% | 762 |
| Net loans and leases to core deposits | 103.1728% | 1,111 |
| Total domestic deposits to total assets | 87.6157% | 2,036 |
| Equity capital to assets | 12.2992% | 1,821 |
| Core capital (leverage) ratio | 12.2386% | 1,485 |
| Tier 1 risk-based capital ratio | 14.3627% | 3,793 |
| Total risk-based capital ratio | 15.5909% | 3,732 |
| Memoranda: | ||
| Average total assets | $216,843,000 | 2,835 |
| Average earning assets | $203,583,500 | 2,796 |
| Average equity | $26,205,500 | 2,657 |
| Average total loans | $187,215,500 | 2,208 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0039% | 765 |
| Cost of funding earning assets | 0.5652% | 2,092 |
| Net interest margin | 4.4387% | 835 |
| Noninterest income to average assets | 0.0678% | 6,249 |
| Noninterest expense to average assets | 2.1014% | 5,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8211% | 3,277 |
| Return on assets (ROA) | 0.8211% | 3,365 |
| Pretax return on assets | 2.0815% | 430 |
| Return on Equity (ROE) | 6.3256% | 3,988 |
| Retained earnings to average equity (ytd only) | -18.2834% | 6,410 |
| Net charge-offs to loans | 0.1224% | 2,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 20.9598% | 1,703 |
| Efficiency ratio | 50.2385% | 6,080 |
| Assets per employee ($millions) | 6.9805% | 852 |
| Cash dividends to net income (ytd only)* | 389.0389% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 3,884 |
| Loan loss allowance to noncurrent loans | 688.5542% | 829 |
| Noncurrent assets plus other real estate owned to assets | 3.1535% | 618 |
| Noncurrent loans to loans | 0.1772% | 5,192 |
| Net loans and leases to total assets | 85.5339% | 240 |
| Net loans and leases to deposits | 97.2117% | 816 |
| Net loans and leases to core deposits | 103.2390% | 1,171 |
| Total domestic deposits to total assets | 87.9872% | 1,782 |
| Equity capital to assets | 11.8700% | 2,113 |
| Core capital (leverage) ratio | 11.7839% | 1,775 |
| Tier 1 risk-based capital ratio | 14.0089% | 4,088 |
| Total risk-based capital ratio | 15.2547% | 4,018 |
| Memoranda: | ||
| Average total assets | $225,558,600 | 2,731 |
| Average earning assets | $209,116,400 | 2,718 |
| Average equity | $29,278,000 | 2,323 |
| Average total loans | $183,071,800 | 2,197 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 894 |
| Cost of funding earning assets | 0.5704% | 2,103 |
| Net interest margin | 4.3483% | 959 |
| Noninterest income to average assets | 0.0948% | 6,266 |
| Noninterest expense to average assets | 2.0569% | 5,666 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4811% | 976 |
| Return on assets (ROA) | 1.4811% | 1,004 |
| Pretax return on assets | 2.0615% | 491 |
| Return on Equity (ROE) | 11.1830% | 1,721 |
| Retained earnings to average equity (ytd only) | -18.3320% | 6,476 |
| Net charge-offs to loans | 0.1641% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 15.7277% | 2,036 |
| Efficiency ratio | 49.9432% | 6,104 |
| Assets per employee ($millions) | 6.9845% | 808 |
| Cash dividends to net income (ytd only)* | 263.9274% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,187 |
| Loan loss allowance to noncurrent loans | 217.5071% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 3.7812% | 545 |
| Noncurrent loans to loans | 0.5546% | 4,261 |
| Net loans and leases to total assets | 86.4691% | 168 |
| Net loans and leases to deposits | 98.9718% | 670 |
| Net loans and leases to core deposits | 105.1761% | 1,010 |
| Total domestic deposits to total assets | 87.3674% | 2,111 |
| Equity capital to assets | 12.4183% | 1,757 |
| Core capital (leverage) ratio | 12.2861% | 1,524 |
| Tier 1 risk-based capital ratio | 14.2528% | 4,048 |
| Total risk-based capital ratio | 15.4636% | 4,002 |
| Memoranda: | ||
| Average total assets | $227,849,500 | 2,734 |
| Average earning assets | $210,836,250 | 2,722 |
| Average equity | $30,176,000 | 2,275 |
| Average total loans | $181,995,500 | 2,222 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 1,196 |
| Cost of funding earning assets | 0.5676% | 2,186 |
| Net interest margin | 4.1748% | 1,298 |
| Noninterest income to average assets | 0.0838% | 6,335 |
| Noninterest expense to average assets | 2.0533% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3815% | 1,106 |
| Return on assets (ROA) | 1.3815% | 1,150 |
| Pretax return on assets | 1.8918% | 698 |
| Return on Equity (ROE) | 10.2328% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.8542% | 3,052 |
| Net charge-offs to loans | 0.2329% | 1,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.4833% | 2,244 |
| Efficiency ratio | 52.0464% | 6,061 |
| Assets per employee ($millions) | 7.2034% | 727 |
| Cash dividends to net income (ytd only)* | 52.5625% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 4,107 |
| Loan loss allowance to noncurrent loans | 131.0188% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 3.8818% | 570 |
| Noncurrent loans to loans | 0.9597% | 3,321 |
| Net loans and leases to total assets | 78.4218% | 855 |
| Net loans and leases to deposits | 91.1626% | 1,256 |
| Net loans and leases to core deposits | 96.4508% | 1,568 |
| Total domestic deposits to total assets | 86.0240% | 3,025 |
| Equity capital to assets | 13.7929% | 1,052 |
| Core capital (leverage) ratio | 14.0041% | 827 |
| Tier 1 risk-based capital ratio | 17.2167% | 2,529 |
| Total risk-based capital ratio | 18.4623% | 2,494 |
| Memoranda: | ||
| Average total assets | $231,626,000 | 2,707 |
| Average earning assets | $214,236,330 | 2,695 |
| Average equity | $31,272,000 | 2,203 |
| Average total loans | $179,491,000 | 2,239 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 1,435 |
| Cost of funding earning assets | 0.5774% | 2,175 |
| Net interest margin | 4.0493% | 1,604 |
| Noninterest income to average assets | 0.0741% | 6,415 |
| Noninterest expense to average assets | 2.0914% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3386% | 1,127 |
| Return on assets (ROA) | 1.3386% | 1,170 |
| Pretax return on assets | 1.7159% | 945 |
| Return on Equity (ROE) | 10.0223% | 2,028 |
| Retained earnings to average equity (ytd only) | -0.8255% | 5,698 |
| Net charge-offs to loans | -0.0900% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9321% | 5,932 |
| Assets per employee ($millions) | 7.1279% | 752 |
| Cash dividends to net income (ytd only)* | 108.2368% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,433 |
| Loan loss allowance to noncurrent loans | 105.3719% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 4.5815% | 473 |
| Noncurrent loans to loans | 1.3641% | 2,748 |
| Net loans and leases to total assets | 76.6595% | 924 |
| Net loans and leases to deposits | 88.9209% | 1,261 |
| Net loans and leases to core deposits | 93.7731% | 1,568 |
| Total domestic deposits to total assets | 86.2109% | 3,249 |
| Equity capital to assets | 13.5817% | 1,077 |
| Core capital (leverage) ratio | 13.5256% | 967 |
| Tier 1 risk-based capital ratio | 17.2137% | 2,593 |
| Total risk-based capital ratio | 18.4660% | 2,551 |
| Memoranda: | ||
| Average total assets | $232,184,000 | 2,722 |
| Average earning assets | $214,063,000 | 2,709 |
| Average equity | $31,011,000 | 2,211 |
| Average total loans | $177,700,500 | 2,261 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 1,090 |
| Cost of funding earning assets | 0.6478% | 2,218 |
| Net interest margin | 4.2542% | 1,210 |
| Noninterest income to average assets | 0.0194% | 6,616 |
| Noninterest expense to average assets | 2.0417% | 5,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.8546% | 435 |
| Return on assets (ROA) | 1.8636% | 438 |
| Pretax return on assets | 1.8636% | 659 |
| Return on Equity (ROE) | 14.8097% | 802 |
| Retained earnings to average equity (ytd only) | 12.6441% | 263 |
| Net charge-offs to loans | 0.2175% | 2,721 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 11.0851% | 2,276 |
| Efficiency ratio | 52.4015% | 6,262 |
| Assets per employee ($millions) | 7.8758% | 500 |
| Cash dividends to net income (ytd only)* | 14.6229% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,597 |
| Loan loss allowance to noncurrent loans | 106.3559% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 5.3374% | 418 |
| Noncurrent loans to loans | 1.3259% | 2,920 |
| Net loans and leases to total assets | 74.2719% | 1,303 |
| Net loans and leases to deposits | 85.6623% | 1,725 |
| Net loans and leases to core deposits | 90.5444% | 1,959 |
| Total domestic deposits to total assets | 86.7032% | 2,876 |
| Equity capital to assets | 13.1385% | 1,213 |
| Core capital (leverage) ratio | 13.3534% | 1,006 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,720 |
| Total risk-based capital ratio | 18.0414% | 2,669 |
| Memoranda: | ||
| Average total assets | $231,913,600 | 2,704 |
| Average earning assets | $211,343,200 | 2,710 |
| Average equity | $29,183,600 | 2,302 |
| Average total loans | $178,423,400 | 2,211 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9317% | 1,066 |
| Cost of funding earning assets | 0.6668% | 2,208 |
| Net interest margin | 4.2650% | 1,174 |
| Noninterest income to average assets | -0.0058% | 6,767 |
| Noninterest expense to average assets | 2.0552% | 5,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8149% | 507 |
| Return on assets (ROA) | 1.8270% | 514 |
| Pretax return on assets | 1.8270% | 846 |
| Return on Equity (ROE) | 14.6846% | 860 |
| Retained earnings to average equity (ytd only) | 12.7254% | 364 |
| Net charge-offs to loans | 0.1867% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.5678% | 2,127 |
| Efficiency ratio | 53.1045% | 6,174 |
| Assets per employee ($millions) | 7.5623% | 567 |
| Cash dividends to net income (ytd only)* | 13.3417% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 3,655 |
| Loan loss allowance to noncurrent loans | 87.5083% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 5.6473% | 450 |
| Noncurrent loans to loans | 1.6650% | 2,686 |
| Net loans and leases to total assets | 78.9419% | 655 |
| Net loans and leases to deposits | 91.2042% | 1,044 |
| Net loans and leases to core deposits | 95.9801% | 1,394 |
| Total domestic deposits to total assets | 86.5552% | 2,930 |
| Equity capital to assets | 13.2650% | 1,215 |
| Core capital (leverage) ratio | 13.3251% | 1,090 |
| Tier 1 risk-based capital ratio | 16.0314% | 3,175 |
| Total risk-based capital ratio | 17.2714% | 3,138 |
| Memoranda: | ||
| Average total assets | $230,823,250 | 2,727 |
| Average earning assets | $209,765,750 | 2,744 |
| Average equity | $28,718,750 | 2,349 |
| Average total loans | $178,530,250 | 2,210 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9482% | 1,006 |
| Cost of funding earning assets | 0.6947% | 2,109 |
| Net interest margin | 4.2535% | 1,134 |
| Noninterest income to average assets | -0.0629% | 6,837 |
| Noninterest expense to average assets | 2.0875% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7059% | 617 |
| Return on assets (ROA) | 1.7239% | 649 |
| Pretax return on assets | 1.7239% | 1,060 |
| Return on Equity (ROE) | 14.1612% | 975 |
| Retained earnings to average equity (ytd only) | 12.6679% | 420 |
| Net charge-offs to loans | 0.1691% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 1,918 |
| Efficiency ratio | 55.0307% | 6,058 |
| Assets per employee ($millions) | 7.6083% | 533 |
| Cash dividends to net income (ytd only)* | 10.5447% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5325% | 3,432 |
| Loan loss allowance to noncurrent loans | 54.4914% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 7.8423% | 269 |
| Noncurrent loans to loans | 2.8124% | 1,607 |
| Net loans and leases to total assets | 77.3564% | 819 |
| Net loans and leases to deposits | 88.8226% | 1,249 |
| Net loans and leases to core deposits | 99.0491% | 1,137 |
| Total domestic deposits to total assets | 87.0909% | 2,765 |
| Equity capital to assets | 12.7715% | 1,431 |
| Core capital (leverage) ratio | 12.9521% | 1,186 |
| Tier 1 risk-based capital ratio | 15.6003% | 3,430 |
| Total risk-based capital ratio | 16.8528% | 3,376 |
| Memoranda: | ||
| Average total assets | $232,141,670 | 2,722 |
| Average earning assets | $210,460,670 | 2,737 |
| Average equity | $28,260,330 | 2,410 |
| Average total loans | $177,459,670 | 2,227 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8084% | 1,270 |
| Cost of funding earning assets | 0.7517% | 1,836 |
| Net interest margin | 4.0568% | 1,602 |
| Noninterest income to average assets | -0.0308% | 6,891 |
| Noninterest expense to average assets | 2.0505% | 6,006 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.5891% | 721 |
| Return on assets (ROA) | 1.6062% | 764 |
| Pretax return on assets | 1.6062% | 1,291 |
| Return on Equity (ROE) | 13.5179% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.5179% | 496 |
| Net charge-offs to loans | 0.2062% | 2,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.2198% | 1,768 |
| Efficiency ratio | 56.3380% | 6,027 |
| Assets per employee ($millions) | 7.7422% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,408 |
| Loan loss allowance to noncurrent loans | 25.7287% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 10.7540% | 164 |
| Noncurrent loans to loans | 6.2102% | 527 |
| Net loans and leases to total assets | 74.4285% | 1,020 |
| Net loans and leases to deposits | 84.8248% | 1,493 |
| Net loans and leases to core deposits | 101.2789% | 873 |
| Total domestic deposits to total assets | 87.7438% | 2,493 |
| Equity capital to assets | 12.1813% | 1,920 |
| Core capital (leverage) ratio | 12.0872% | 1,517 |
| Tier 1 risk-based capital ratio | 15.4469% | 3,560 |
| Total risk-based capital ratio | 16.7003% | 3,518 |
| Memoranda: | ||
| Average total assets | $234,087,500 | 2,736 |
| Average earning assets | $211,794,500 | 2,748 |
| Average equity | $27,815,000 | 2,464 |
| Average total loans | $176,532,500 | 2,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 1,041 |
| Cost of funding earning assets | 0.8451% | 2,324 |
| Net interest margin | 4.3938% | 1,169 |
| Noninterest income to average assets | -0.0999% | 6,916 |
| Noninterest expense to average assets | 2.5993% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1872% | 1,646 |
| Return on assets (ROA) | 1.2927% | 1,479 |
| Pretax return on assets | 1.2927% | 2,441 |
| Return on Equity (ROE) | 11.5463% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.5463% | 371 |
| Net charge-offs to loans | 0.8115% | 1,443 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.8899% | 4,478 |
| Efficiency ratio | 68.6458% | 4,031 |
| Assets per employee ($millions) | 7.1488% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6337% | 3,170 |
| Loan loss allowance to noncurrent loans | 25.5601% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 11.0547% | 182 |
| Noncurrent loans to loans | 6.3917% | 533 |
| Net loans and leases to total assets | 73.9641% | 1,200 |
| Net loans and leases to deposits | 83.7274% | 1,788 |
| Net loans and leases to core deposits | 104.7089% | 748 |
| Total domestic deposits to total assets | 88.3391% | 2,004 |
| Equity capital to assets | 11.5879% | 2,360 |
| Core capital (leverage) ratio | 11.7583% | 1,700 |
| Tier 1 risk-based capital ratio | 14.9078% | 3,773 |
| Total risk-based capital ratio | 16.1596% | 3,720 |
| Memoranda: | ||
| Average total assets | $231,297,200 | 2,707 |
| Average earning assets | $204,583,200 | 2,809 |
| Average equity | $25,895,800 | 2,583 |
| Average total loans | $179,042,200 | 2,217 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 926 |
| Cost of funding earning assets | 0.8583% | 2,473 |
| Net interest margin | 4.4901% | 1,011 |
| Noninterest income to average assets | -0.2103% | 7,074 |
| Noninterest expense to average assets | 2.6447% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0973% | 2,100 |
| Return on assets (ROA) | 1.2386% | 1,779 |
| Pretax return on assets | 1.2386% | 2,829 |
| Return on Equity (ROE) | 11.1633% | 1,901 |
| Retained earnings to average equity (ytd only) | 11.1633% | 656 |
| Net charge-offs to loans | 0.6516% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.1596% | 4,183 |
| Efficiency ratio | 70.6766% | 3,558 |
| Assets per employee ($millions) | 7.7089% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9045% | 2,455 |
| Loan loss allowance to noncurrent loans | 31.3679% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 11.5801% | 175 |
| Noncurrent loans to loans | 6.0716% | 668 |
| Net loans and leases to total assets | 77.3712% | 811 |
| Net loans and leases to deposits | 87.4833% | 1,416 |
| Net loans and leases to core deposits | 110.1865% | 564 |
| Total domestic deposits to total assets | 88.4411% | 1,760 |
| Equity capital to assets | 11.4249% | 2,824 |
| Core capital (leverage) ratio | 11.3263% | 2,116 |
| Tier 1 risk-based capital ratio | 13.6629% | 4,773 |
| Total risk-based capital ratio | 14.9196% | 4,725 |
| Memoranda: | ||
| Average total assets | $230,144,250 | 2,750 |
| Average earning assets | $202,574,250 | 2,843 |
| Average equity | $25,535,500 | 2,637 |
| Average total loans | $179,456,250 | 2,237 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3087% | 1,040 |
| Cost of funding earning assets | 0.8731% | 2,631 |
| Net interest margin | 4.4356% | 1,118 |
| Noninterest income to average assets | -0.3804% | 7,174 |
| Noninterest expense to average assets | 2.5260% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0027% | 2,455 |
| Return on assets (ROA) | 1.2151% | 1,858 |
| Pretax return on assets | 1.2151% | 2,863 |
| Return on Equity (ROE) | 11.0618% | 1,970 |
| Retained earnings to average equity (ytd only) | 11.0618% | 735 |
| Net charge-offs to loans | 0.9514% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.3569% | 4,328 |
| Efficiency ratio | 71.5836% | 3,501 |
| Assets per employee ($millions) | 7.6851% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 2,403 |
| Loan loss allowance to noncurrent loans | 46.9752% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 10.4332% | 242 |
| Noncurrent loans to loans | 4.1330% | 1,325 |
| Net loans and leases to total assets | 76.7177% | 874 |
| Net loans and leases to deposits | 86.4741% | 1,534 |
| Net loans and leases to core deposits | 127.4242% | 231 |
| Total domestic deposits to total assets | 88.7176% | 1,694 |
| Equity capital to assets | 11.1796% | 2,916 |
| Core capital (leverage) ratio | 11.3581% | 2,005 |
| Tier 1 risk-based capital ratio | 13.2870% | 4,971 |
| Total risk-based capital ratio | 14.5438% | 4,937 |
| Memoranda: | ||
| Average total assets | $229,770,000 | 2,754 |
| Average earning assets | $202,496,000 | 2,851 |
| Average equity | $25,240,000 | 2,640 |
| Average total loans | $178,472,330 | 2,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2903% | 1,117 |
| Cost of funding earning assets | 0.9465% | 2,324 |
| Net interest margin | 4.3439% | 1,346 |
| Noninterest income to average assets | 0.1988% | 6,197 |
| Noninterest expense to average assets | 2.5007% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4997% | 1,020 |
| Return on assets (ROA) | 1.4997% | 1,144 |
| Pretax return on assets | 1.4997% | 1,869 |
| Return on Equity (ROE) | 13.7752% | 1,233 |
| Retained earnings to average equity (ytd only) | 13.7752% | 592 |
| Net charge-offs to loans | 1.2258% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.5809% | 3,540 |
| Efficiency ratio | 62.5109% | 5,187 |
| Assets per employee ($millions) | 7.5075% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1715% | 1,943 |
| Loan loss allowance to noncurrent loans | 38.2844% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 13.5291% | 148 |
| Noncurrent loans to loans | 5.6720% | 923 |
| Net loans and leases to total assets | 76.1497% | 781 |
| Net loans and leases to deposits | 86.0259% | 1,420 |
| Net loans and leases to core deposits | 141.0227% | 143 |
| Total domestic deposits to total assets | 88.5195% | 2,000 |
| Equity capital to assets | 11.3051% | 2,621 |
| Core capital (leverage) ratio | 11.1169% | 2,174 |
| Tier 1 risk-based capital ratio | 13.0941% | 5,136 |
| Total risk-based capital ratio | 14.3533% | 5,098 |
| Memoranda: | ||
| Average total assets | $229,378,500 | 2,770 |
| Average earning assets | $200,743,500 | 2,890 |
| Average equity | $24,972,500 | 2,666 |
| Average total loans | $177,520,000 | 2,271 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2916% | 1,729 |
| Cost of funding earning assets | 1.1825% | 2,145 |
| Net interest margin | 4.1090% | 2,394 |
| Noninterest income to average assets | 0.1296% | 6,509 |
| Noninterest expense to average assets | 2.2898% | 6,063 |
| Loan and lease loss provision to assets | 0.5664% | 1,837 |
| Net operating income to assets | 0.9341% | 2,467 |
| Return on assets (ROA) | 0.9341% | 2,589 |
| Pretax return on assets | 0.9341% | 3,495 |
| Return on Equity (ROE) | 9.9480% | 2,079 |
| Retained earnings to average equity (ytd only) | 9.9480% | 582 |
| Net charge-offs to loans | 0.8570% | 2,027 |
| Credit loss provision to net charge-offs | 86.2391% | 4,192 |
| Earnings coverage of net charge-offs (x) | 2.2846% | 4,080 |
| Efficiency ratio | 59.5490% | 5,825 |
| Assets per employee ($millions) | 7.7844% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4215% | 1,421 |
| Loan loss allowance to noncurrent loans | 41.8180% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 12.5684% | 184 |
| Noncurrent loans to loans | 5.7905% | 884 |
| Net loans and leases to total assets | 75.0958% | 1,079 |
| Net loans and leases to deposits | 86.0869% | 1,658 |
| Net loans and leases to core deposits | 139.4974% | 174 |
| Total domestic deposits to total assets | 87.2325% | 2,624 |
| Equity capital to assets | 10.4838% | 3,554 |
| Core capital (leverage) ratio | 10.1680% | 3,140 |
| Tier 1 risk-based capital ratio | 12.4108% | 5,523 |
| Total risk-based capital ratio | 13.6729% | 5,488 |
| Memoranda: | ||
| Average total assets | $244,524,000 | 2,585 |
| Average earning assets | $217,837,400 | 2,638 |
| Average equity | $22,959,400 | 2,787 |
| Average total loans | $187,396,200 | 2,157 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1961% | 2,224 |
| Cost of funding earning assets | 1.2304% | 2,119 |
| Net interest margin | 3.9657% | 3,071 |
| Noninterest income to average assets | 0.1645% | 6,420 |
| Noninterest expense to average assets | 2.1557% | 6,380 |
| Loan and lease loss provision to assets | 0.7468% | 1,278 |
| Net operating income to assets | 0.8056% | 3,130 |
| Return on assets (ROA) | 0.8056% | 3,296 |
| Pretax return on assets | 0.8056% | 4,108 |
| Return on Equity (ROE) | 8.8223% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.8223% | 1,209 |
| Net charge-offs to loans | 0.7930% | 1,975 |
| Credit loss provision to net charge-offs | 123.0018% | 2,624 |
| Earnings coverage of net charge-offs (x) | 2.5568% | 3,841 |
| Efficiency ratio | 57.2633% | 6,105 |
| Assets per employee ($millions) | 7.7695% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5774% | 1,296 |
| Loan loss allowance to noncurrent loans | 33.5323% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 14.5884% | 143 |
| Noncurrent loans to loans | 7.6864% | 599 |
| Net loans and leases to total assets | 75.8153% | 1,005 |
| Net loans and leases to deposits | 86.2524% | 1,656 |
| Net loans and leases to core deposits | 145.5635% | 153 |
| Total domestic deposits to total assets | 87.8994% | 2,090 |
| Equity capital to assets | 9.8669% | 4,524 |
| Core capital (leverage) ratio | 10.0040% | 3,438 |
| Tier 1 risk-based capital ratio | 11.4734% | 6,256 |
| Total risk-based capital ratio | 12.5828% | 6,330 |
| Memoranda: | ||
| Average total assets | $247,272,250 | 2,562 |
| Average earning assets | $220,956,000 | 2,617 |
| Average equity | $22,578,500 | 2,829 |
| Average total loans | $189,314,250 | 2,156 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 2,735 |
| Cost of funding earning assets | 1.2846% | 2,040 |
| Net interest margin | 3.8039% | 3,764 |
| Noninterest income to average assets | 0.1700% | 6,445 |
| Noninterest expense to average assets | 2.1483% | 6,506 |
| Loan and lease loss provision to assets | 1.1106% | 732 |
| Net operating income to assets | 0.3376% | 5,222 |
| Return on assets (ROA) | 0.3376% | 5,356 |
| Pretax return on assets | 0.3376% | 5,579 |
| Return on Equity (ROE) | 3.7957% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.7957% | 3,802 |
| Net charge-offs to loans | 1.1003% | 1,431 |
| Credit loss provision to net charge-offs | 132.5359% | 2,306 |
| Earnings coverage of net charge-offs (x) | 1.7282% | 4,005 |
| Efficiency ratio | 58.8406% | 6,054 |
| Assets per employee ($millions) | 7.6167% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6597% | 1,227 |
| Loan loss allowance to noncurrent loans | 45.9581% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 12.6378% | 226 |
| Noncurrent loans to loans | 5.7873% | 1,057 |
| Net loans and leases to total assets | 76.1351% | 1,057 |
| Net loans and leases to deposits | 86.3199% | 1,742 |
| Net loans and leases to core deposits | 123.9779% | 343 |
| Total domestic deposits to total assets | 88.2012% | 2,014 |
| Equity capital to assets | 9.5440% | 4,742 |
| Core capital (leverage) ratio | 9.1881% | 4,431 |
| Tier 1 risk-based capital ratio | 11.1818% | 6,389 |
| Total risk-based capital ratio | 12.4465% | 6,374 |
| Memoranda: | ||
| Average total assets | $249,411,330 | 2,556 |
| Average earning assets | $224,662,330 | 2,584 |
| Average equity | $22,183,000 | 2,855 |
| Average total loans | $189,940,330 | 2,177 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0337% | 2,934 |
| Cost of funding earning assets | 1.2984% | 2,180 |
| Net interest margin | 3.7354% | 3,919 |
| Noninterest income to average assets | 0.1656% | 6,545 |
| Noninterest expense to average assets | 2.0433% | 6,752 |
| Loan and lease loss provision to assets | 1.2263% | 572 |
| Net operating income to assets | 0.2937% | 5,443 |
| Return on assets (ROA) | 0.2937% | 5,515 |
| Pretax return on assets | 0.2937% | 5,674 |
| Return on Equity (ROE) | 3.4171% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.4171% | 4,140 |
| Net charge-offs to loans | 0.7810% | 1,652 |
| Credit loss provision to net charge-offs | 208.7766% | 1,426 |
| Earnings coverage of net charge-offs (x) | 2.5878% | 3,041 |
| Efficiency ratio | 56.4665% | 6,448 |
| Assets per employee ($millions) | 8.0704% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6033% | 1,306 |
| Loan loss allowance to noncurrent loans | 46.7787% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 10.1750% | 401 |
| Noncurrent loans to loans | 5.5652% | 1,171 |
| Net loans and leases to total assets | 76.9686% | 876 |
| Net loans and leases to deposits | 86.7471% | 1,611 |
| Net loans and leases to core deposits | 120.7820% | 402 |
| Total domestic deposits to total assets | 88.7276% | 1,935 |
| Equity capital to assets | 9.0999% | 5,050 |
| Core capital (leverage) ratio | 9.0056% | 4,604 |
| Tier 1 risk-based capital ratio | 11.0702% | 6,460 |
| Total risk-based capital ratio | 12.3324% | 6,427 |
| Memoranda: | ||
| Average total assets | $256,058,500 | 2,509 |
| Average earning assets | $232,908,500 | 2,515 |
| Average equity | $22,007,000 | 2,867 |
| Average total loans | $192,570,500 | 2,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 3,168 |
| Cost of funding earning assets | 1.6319% | 1,905 |
| Net interest margin | 3.6590% | 4,536 |
| Noninterest income to average assets | 0.1250% | 6,777 |
| Noninterest expense to average assets | 2.6810% | 5,079 |
| Loan and lease loss provision to assets | 3.4683% | 230 |
| Net operating income to assets | -2.1944% | 7,108 |
| Return on assets (ROA) | -2.1944% | 7,124 |
| Pretax return on assets | -2.6307% | 7,206 |
| Return on Equity (ROE) | -25.9691% | 7,154 |
| Retained earnings to average equity (ytd only) | -25.9691% | 7,137 |
| Net charge-offs to loans | 4.6331% | 218 |
| Credit loss provision to net charge-offs | 89.2777% | 5,156 |
| Earnings coverage of net charge-offs (x) | 0.2156% | 5,889 |
| Efficiency ratio | 53.8420% | 6,822 |
| Assets per employee ($millions) | 8.1819% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3595% | 1,607 |
| Loan loss allowance to noncurrent loans | 38.2838% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 9.4732% | 455 |
| Noncurrent loans to loans | 6.1633% | 1,001 |
| Net loans and leases to total assets | 70.0864% | 2,519 |
| Net loans and leases to deposits | 81.8491% | 2,839 |
| Net loans and leases to core deposits | 119.8857% | 531 |
| Total domestic deposits to total assets | 85.6287% | 3,535 |
| Equity capital to assets | 8.1414% | 6,331 |
| Core capital (leverage) ratio | 8.0814% | 6,059 |
| Tier 1 risk-based capital ratio | 10.8075% | 6,481 |
| Total risk-based capital ratio | 12.0691% | 6,439 |
| Memoranda: | ||
| Average total assets | $264,076,600 | 2,414 |
| Average earning assets | $244,930,600 | 2,380 |
| Average equity | $22,315,000 | 2,841 |
| Average total loans | $221,428,200 | 1,959 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3674% | 3,043 |
| Cost of funding earning assets | 1.6741% | 1,990 |
| Net interest margin | 3.6933% | 4,436 |
| Noninterest income to average assets | 0.1066% | 7,019 |
| Noninterest expense to average assets | 1.9096% | 7,196 |
| Loan and lease loss provision to assets | 4.6504% | 114 |
| Net operating income to assets | -2.4285% | 7,332 |
| Return on assets (ROA) | -2.4285% | 7,347 |
| Pretax return on assets | -3.0134% | 7,422 |
| Return on Equity (ROE) | -28.4717% | 7,364 |
| Retained earnings to average equity (ytd only) | -28.4717% | 7,356 |
| Net charge-offs to loans | 4.4308% | 236 |
| Credit loss provision to net charge-offs | 120.7037% | 3,416 |
| Earnings coverage of net charge-offs (x) | 0.4249% | 5,598 |
| Efficiency ratio | 52.9850% | 6,889 |
| Assets per employee ($millions) | 8.8117% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3162% | 628 |
| Loan loss allowance to noncurrent loans | 29.9384% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 10.4154% | 371 |
| Noncurrent loans to loans | 11.0767% | 345 |
| Net loans and leases to total assets | 77.3056% | 1,162 |
| Net loans and leases to deposits | 93.6386% | 1,242 |
| Net loans and leases to core deposits | 132.2629% | 347 |
| Total domestic deposits to total assets | 82.5574% | 4,769 |
| Equity capital to assets | 7.6357% | 7,041 |
| Core capital (leverage) ratio | 7.1849% | 7,067 |
| Tier 1 risk-based capital ratio | 8.8121% | 7,393 |
| Total risk-based capital ratio | 10.0887% | 7,406 |
| Memoranda: | ||
| Average total assets | $262,594,750 | 2,465 |
| Average earning assets | $244,583,750 | 2,423 |
| Average equity | $22,398,250 | 2,877 |
| Average total loans | $228,333,000 | 1,933 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5199% | 2,443 |
| Cost of funding earning assets | 1.7410% | 1,913 |
| Net interest margin | 3.7789% | 3,998 |
| Noninterest income to average assets | 0.0826% | 7,176 |
| Noninterest expense to average assets | 1.9832% | 7,143 |
| Loan and lease loss provision to assets | 5.2951% | 93 |
| Net operating income to assets | -2.7876% | 7,474 |
| Return on assets (ROA) | -2.7876% | 7,486 |
| Pretax return on assets | -3.6770% | 7,566 |
| Return on Equity (ROE) | -31.5211% | 7,450 |
| Retained earnings to average equity (ytd only) | -31.5211% | 7,439 |
| Net charge-offs to loans | 5.4809% | 169 |
| Credit loss provision to net charge-offs | 108.0498% | 3,769 |
| Earnings coverage of net charge-offs (x) | 0.3302% | 5,397 |
| Efficiency ratio | 54.2122% | 6,863 |
| Assets per employee ($millions) | 8.3773% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7239% | 1,064 |
| Loan loss allowance to noncurrent loans | 26.9435% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 9.0903% | 488 |
| Noncurrent loans to loans | 10.1098% | 440 |
| Net loans and leases to total assets | 85.0244% | 288 |
| Net loans and leases to deposits | 104.6911% | 454 |
| Net loans and leases to core deposits | 159.3792% | 165 |
| Total domestic deposits to total assets | 81.2145% | 5,328 |
| Equity capital to assets | 8.4830% | 6,180 |
| Core capital (leverage) ratio | 7.4165% | 6,905 |
| Tier 1 risk-based capital ratio | 9.2416% | 7,361 |
| Total risk-based capital ratio | 10.5117% | 7,352 |
| Memoranda: | ||
| Average total assets | $259,071,670 | 2,517 |
| Average earning assets | $241,236,330 | 2,468 |
| Average equity | $22,911,670 | 2,808 |
| Average total loans | $231,639,330 | 1,931 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 2,297 |
| Cost of funding earning assets | 1.6913% | 2,434 |
| Net interest margin | 3.8759% | 3,430 |
| Noninterest income to average assets | 0.0773% | 7,313 |
| Noninterest expense to average assets | 1.9261% | 7,292 |
| Loan and lease loss provision to assets | 10.6029% | 23 |
| Net operating income to assets | -7.0753% | 7,843 |
| Return on assets (ROA) | -7.0753% | 7,845 |
| Pretax return on assets | -8.8561% | 7,873 |
| Return on Equity (ROE) | -78.3985% | 7,794 |
| Retained earnings to average equity (ytd only) | -78.3985% | 7,789 |
| Net charge-offs to loans | 7.9516% | 98 |
| Credit loss provision to net charge-offs | 147.4737% | 2,412 |
| Earnings coverage of net charge-offs (x) | 0.2430% | 4,825 |
| Efficiency ratio | 51.5993% | 7,185 |
| Assets per employee ($millions) | 8.5309% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4037% | 581 |
| Loan loss allowance to noncurrent loans | 42.4295% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 7.4765% | 683 |
| Noncurrent loans to loans | 8.0219% | 670 |
| Net loans and leases to total assets | 84.5638% | 326 |
| Net loans and leases to deposits | 106.1517% | 416 |
| Net loans and leases to core deposits | 172.0706% | 152 |
| Total domestic deposits to total assets | 79.6632% | 5,898 |
| Equity capital to assets | 7.9650% | 6,697 |
| Core capital (leverage) ratio | 7.3268% | 7,007 |
| Tier 1 risk-based capital ratio | 8.5913% | 7,552 |
| Total risk-based capital ratio | 9.8699% | 7,564 |
| Memoranda: | ||
| Average total assets | $258,760,000 | 2,572 |
| Average earning assets | $240,050,500 | 2,535 |
| Average equity | $23,352,500 | 2,782 |
| Average total loans | $233,965,500 | 1,969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1072% | 1,497 |
| Cost of funding earning assets | 2.3049% | 1,633 |
| Net interest margin | 3.8023% | 3,696 |
| Noninterest income to average assets | 0.1331% | 7,088 |
| Noninterest expense to average assets | 1.7823% | 7,628 |
| Loan and lease loss provision to assets | 1.4687% | 1,571 |
| Net operating income to assets | 0.4680% | 3,864 |
| Return on assets (ROA) | 0.6252% | 3,293 |
| Pretax return on assets | 0.6252% | 3,826 |
| Return on Equity (ROE) | 6.2555% | 3,098 |
| Retained earnings to average equity (ytd only) | -2.1971% | 5,558 |
| Net charge-offs to loans | 0.4226% | 4,102 |
| Credit loss provision to net charge-offs | 368.2178% | 871 |
| Earnings coverage of net charge-offs (x) | 4.8554% | 2,782 |
| Efficiency ratio | 47.0744% | 7,663 |
| Assets per employee ($millions) | 12.6532% | 153 |
| Cash dividends to net income (ytd only)* | 135.1232% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 1,349 |
| Loan loss allowance to noncurrent loans | 35.7134% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 6.9595% | 723 |
| Noncurrent loans to loans | 6.7178% | 878 |
| Net loans and leases to total assets | 91.1805% | 55 |
| Net loans and leases to deposits | 118.5802% | 196 |
| Net loans and leases to core deposits | 133.8888% | 1,058 |
| Total domestic deposits to total assets | 76.8935% | 6,509 |
| Equity capital to assets | 10.1323% | 3,585 |
| Core capital (leverage) ratio | 9.3012% | 3,972 |
| Tier 1 risk-based capital ratio | 10.3756% | 6,515 |
| Total risk-based capital ratio | 11.6409% | 6,478 |
| Memoranda: | ||
| Average total assets | $253,213,800 | 2,578 |
| Average earning assets | $238,800,000 | 2,510 |
| Average equity | $25,305,800 | 2,581 |
| Average total loans | $239,000,400 | 1,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1803% | 1,419 |
| Cost of funding earning assets | 2.4786% | 1,370 |
| Net interest margin | 3.7017% | 4,064 |
| Noninterest income to average assets | 0.1622% | 7,041 |
| Noninterest expense to average assets | 1.7532% | 7,709 |
| Loan and lease loss provision to assets | 1.9580% | 933 |
| Net operating income to assets | -0.0532% | 5,807 |
| Return on assets (ROA) | 0.1564% | 5,358 |
| Pretax return on assets | 0.1564% | 5,394 |
| Return on Equity (ROE) | 1.5700% | 5,309 |
| Retained earnings to average equity (ytd only) | -9.1400% | 6,715 |
| Net charge-offs to loans | 0.6126% | 2,836 |
| Credit loss provision to net charge-offs | 337.7838% | 1,217 |
| Earnings coverage of net charge-offs (x) | 3.2861% | 3,593 |
| Efficiency ratio | 47.0639% | 7,715 |
| Assets per employee ($millions) | 9.3963% | 321 |
| Cash dividends to net income (ytd only)* | 682.1561% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2978% | 1,301 |
| Loan loss allowance to noncurrent loans | 61.6958% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 4.5089% | 1,356 |
| Noncurrent loans to loans | 3.7244% | 2,001 |
| Net loans and leases to total assets | 93.5369% | 27 |
| Net loans and leases to deposits | 120.9729% | 185 |
| Net loans and leases to core deposits | 139.0825% | 964 |
| Total domestic deposits to total assets | 77.3205% | 6,260 |
| Equity capital to assets | 9.6444% | 4,563 |
| Core capital (leverage) ratio | 8.6947% | 5,134 |
| Tier 1 risk-based capital ratio | 9.4383% | 7,414 |
| Total risk-based capital ratio | 10.6839% | 7,384 |
| Memoranda: | ||
| Average total assets | $253,251,500 | 2,589 |
| Average earning assets | $239,160,750 | 2,525 |
| Average equity | $25,222,000 | 2,614 |
| Average total loans | $239,646,500 | 1,978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1985% | 1,459 |
| Cost of funding earning assets | 2.6412% | 1,181 |
| Net interest margin | 3.5573% | 4,546 |
| Noninterest income to average assets | 0.1746% | 7,045 |
| Noninterest expense to average assets | 1.6894% | 7,844 |
| Loan and lease loss provision to assets | 2.5832% | 597 |
| Net operating income to assets | -0.7380% | 6,785 |
| Return on assets (ROA) | -0.4235% | 6,478 |
| Pretax return on assets | -0.4235% | 6,349 |
| Return on Equity (ROE) | -4.2083% | 6,502 |
| Retained earnings to average equity (ytd only) | -19.2280% | 7,433 |
| Net charge-offs to loans | 0.4745% | 2,934 |
| Credit loss provision to net charge-offs | 577.5618% | 808 |
| Earnings coverage of net charge-offs (x) | 4.1254% | 3,207 |
| Efficiency ratio | 46.9036% | 7,811 |
| Assets per employee ($millions) | 9.3793% | 313 |
| Cash dividends to net income (ytd only)* | -356.9030% | 8,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3331% | 1,064 |
| Loan loss allowance to noncurrent loans | 120.8102% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 2.6216% | 2,452 |
| Noncurrent loans to loans | 1.9312% | 3,627 |
| Net loans and leases to total assets | 93.6614% | 29 |
| Net loans and leases to deposits | 120.8052% | 217 |
| Net loans and leases to core deposits | 134.6785% | 1,277 |
| Total domestic deposits to total assets | 77.5309% | 6,197 |
| Equity capital to assets | 9.3776% | 4,772 |
| Core capital (leverage) ratio | 8.6161% | 5,236 |
| Tier 1 risk-based capital ratio | 9.2506% | 7,571 |
| Total risk-based capital ratio | 10.5151% | 7,552 |
| Memoranda: | ||
| Average total assets | $253,101,670 | 2,604 |
| Average earning assets | $239,059,670 | 2,533 |
| Average equity | $25,473,330 | 2,602 |
| Average total loans | $238,567,000 | 2,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0385% | 2,203 |
| Cost of funding earning assets | 2.7251% | 1,192 |
| Net interest margin | 3.3134% | 5,448 |
| Noninterest income to average assets | 0.1423% | 7,281 |
| Noninterest expense to average assets | 1.7389% | 7,780 |
| Loan and lease loss provision to assets | 0.3162% | 3,441 |
| Net operating income to assets | 1.2299% | 1,566 |
| Return on assets (ROA) | 1.8591% | 527 |
| Pretax return on assets | 1.8591% | 878 |
| Return on Equity (ROE) | 17.8615% | 601 |
| Retained earnings to average equity (ytd only) | 1.6100% | 4,943 |
| Net charge-offs to loans | 0.4416% | 2,344 |
| Credit loss provision to net charge-offs | 76.6284% | 4,248 |
| Earnings coverage of net charge-offs (x) | 3.7471% | 3,078 |
| Efficiency ratio | 51.9731% | 7,426 |
| Assets per employee ($millions) | 9.1889% | 336 |
| Cash dividends to net income (ytd only)* | 90.9864% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,638 |
| Loan loss allowance to noncurrent loans | 60.8386% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 2.5107% | 2,287 |
| Noncurrent loans to loans | 2.0108% | 3,248 |
| Net loans and leases to total assets | 94.4446% | 24 |
| Net loans and leases to deposits | 134.4820% | 117 |
| Net loans and leases to core deposits | 153.5693% | 611 |
| Total domestic deposits to total assets | 70.2284% | 7,406 |
| Equity capital to assets | 10.6014% | 3,367 |
| Core capital (leverage) ratio | 9.6880% | 3,771 |
| Tier 1 risk-based capital ratio | 10.3914% | 6,505 |
| Total risk-based capital ratio | 11.6413% | 6,412 |
| Memoranda: | ||
| Average total assets | $253,032,000 | 2,613 |
| Average earning assets | $239,995,000 | 2,534 |
| Average equity | $26,336,000 | 2,538 |
| Average total loans | $236,423,000 | 2,049 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1079% | 901 |
| Cost of funding earning assets | 3.5557% | 448 |
| Net interest margin | 3.5522% | 5,092 |
| Noninterest income to average assets | 0.1532% | 7,326 |
| Noninterest expense to average assets | 1.6152% | 7,952 |
| Loan and lease loss provision to assets | 0.8568% | 1,741 |
| Net operating income to assets | 1.0186% | 2,480 |
| Return on assets (ROA) | 1.2255% | 1,641 |
| Pretax return on assets | 1.2255% | 2,565 |
| Return on Equity (ROE) | 12.8556% | 1,368 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,275 |
| Net charge-offs to loans | 0.1420% | 4,794 |
| Credit loss provision to net charge-offs | 678.8961% | 624 |
| Earnings coverage of net charge-offs (x) | 14.8604% | 1,995 |
| Efficiency ratio | 45.3340% | 7,961 |
| Assets per employee ($millions) | 8.8953% | 360 |
| Cash dividends to net income (ytd only)* | 64.3263% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 4,068 |
| Loan loss allowance to noncurrent loans | 83.6533% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 2,498 |
| Noncurrent loans to loans | 1.5032% | 3,539 |
| Net loans and leases to total assets | 90.1925% | 188 |
| Net loans and leases to deposits | 123.3061% | 315 |
| Net loans and leases to core deposits | 138.8970% | 1,322 |
| Total domestic deposits to total assets | 73.1452% | 6,804 |
| Equity capital to assets | 10.2223% | 3,778 |
| Core capital (leverage) ratio | 9.0800% | 4,629 |
| Tier 1 risk-based capital ratio | 10.2808% | 6,440 |
| Total risk-based capital ratio | 11.5349% | 6,310 |
| Memoranda: | ||
| Average total assets | $244,054,800 | 2,614 |
| Average earning assets | $229,293,600 | 2,562 |
| Average equity | $23,266,200 | 2,818 |
| Average total loans | $216,934,000 | 2,158 |