Home > Farmers Bank & Trust > Performance and Condition Ratios
Farmers Bank & Trust, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 2,073 |
| Cost of funding earning assets | 2.2326% | 1,664 |
| Net interest margin | 3.2964% | 2,515 |
| Noninterest income to average assets | 0.9600% | 660 |
| Noninterest expense to average assets | 2.0818% | 3,419 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 1.8677% | 497 |
| Return on assets (ROA) | 1.8528% | 504 |
| Pretax return on assets | 1.9179% | 681 |
| Return on Equity (ROE) | 9.3000% | 2,371 |
| Retained earnings to average equity (ytd only) | 4.2509% | 2,532 |
| Net charge-offs to loans | -0.0016% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 51.2329% | 3,919 |
| Assets per employee ($millions) | 7.5844% | 1,793 |
| Cash dividends to net income (ytd only)* | 54.2695% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,612 |
| Loan loss allowance to noncurrent loans | 971.9039% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 2,586 |
| Noncurrent loans to loans | 0.1149% | 3,065 |
| Net loans and leases to total assets | 47.2100% | 3,760 |
| Net loans and leases to deposits | 62.6176% | 3,401 |
| Net loans and leases to core deposits | 84.6848% | 2,463 |
| Total domestic deposits to total assets | 75.4000% | 3,990 |
| Equity capital to assets | 20.7931% | 254 |
| Core capital (leverage) ratio | 21.1959% | 220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0297% | 373 |
| Memoranda: | ||
| Average total assets | $1,017,015,600 | 997 |
| Average earning assets | $958,527,600 | 969 |
| Average equity | $202,709,600 | 568 |
| Average total loans | $448,416,600 | 1,411 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4400% | 2,196 |
| Cost of funding earning assets | 2.2343% | 1,664 |
| Net interest margin | 3.2056% | 2,680 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 1.9611% | 3,651 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 1.6834% | 714 |
| Return on assets (ROA) | 1.6928% | 703 |
| Pretax return on assets | 1.7560% | 931 |
| Return on Equity (ROE) | 8.5800% | 2,587 |
| Retained earnings to average equity (ytd only) | 5.6799% | 2,211 |
| Net charge-offs to loans | -0.0045% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 51.9938% | 3,865 |
| Assets per employee ($millions) | 8.2004% | 1,413 |
| Cash dividends to net income (ytd only)* | 33.8175% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 2,613 |
| Loan loss allowance to noncurrent loans | 801.5221% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 2,424 |
| Noncurrent loans to loans | 0.1405% | 2,981 |
| Net loans and leases to total assets | 44.4000% | 3,880 |
| Net loans and leases to deposits | 59.8676% | 3,601 |
| Net loans and leases to core deposits | 88.4148% | 2,262 |
| Total domestic deposits to total assets | 74.1600% | 4,052 |
| Equity capital to assets | 20.3172% | 266 |
| Core capital (leverage) ratio | 20.8168% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4377% | 398 |
| Memoranda: | ||
| Average total assets | $1,024,776,750 | 985 |
| Average earning assets | $966,526,250 | 959 |
| Average equity | $202,133,500 | 564 |
| Average total loans | $442,834,750 | 1,420 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3156% | 2,326 |
| Cost of funding earning assets | 2.1531% | 1,760 |
| Net interest margin | 3.1625% | 2,708 |
| Noninterest income to average assets | 0.7200% | 1,042 |
| Noninterest expense to average assets | 1.9452% | 3,670 |
| Loan and lease loss provision to assets | 0.1000% | 1,186 |
| Net operating income to assets | 1.5999% | 795 |
| Return on assets (ROA) | 1.6103% | 782 |
| Pretax return on assets | 1.6707% | 1,024 |
| Return on Equity (ROE) | 8.2500% | 2,676 |
| Retained earnings to average equity (ytd only) | 3.8255% | 2,775 |
| Net charge-offs to loans | -0.0064% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 52.4692% | 3,866 |
| Assets per employee ($millions) | 8.5563% | 1,182 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,732 |
| Loan loss allowance to noncurrent loans | 5,372.4490% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 2,641 |
| Noncurrent loans to loans | 0.0207% | 3,630 |
| Net loans and leases to total assets | 44.1800% | 3,901 |
| Net loans and leases to deposits | 61.4226% | 3,503 |
| Net loans and leases to core deposits | 90.5336% | 2,114 |
| Total domestic deposits to total assets | 71.9300% | 4,176 |
| Equity capital to assets | 18.8020% | 312 |
| Core capital (leverage) ratio | 20.7575% | 243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4213% | 395 |
| Memoranda: | ||
| Average total assets | $1,019,217,333 | 988 |
| Average earning assets | $961,326,667 | 956 |
| Average equity | $198,979,667 | 570 |
| Average total loans | $434,571,333 | 1,444 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 2,325 |
| Cost of funding earning assets | 2.0562% | 1,871 |
| Net interest margin | 3.1805% | 2,604 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 1.9184% | 3,747 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.5098% | 882 |
| Return on assets (ROA) | 1.5141% | 891 |
| Pretax return on assets | 1.5638% | 1,150 |
| Return on Equity (ROE) | 7.6100% | 2,804 |
| Retained earnings to average equity (ytd only) | 7.6065% | 1,662 |
| Net charge-offs to loans | -0.0087% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.2058% | 3,742 |
| Assets per employee ($millions) | 8.4292% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 2,851 |
| Loan loss allowance to noncurrent loans | 3,851.2397% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,569 |
| Noncurrent loans to loans | 0.0284% | 3,576 |
| Net loans and leases to total assets | 41.6600% | 3,973 |
| Net loans and leases to deposits | 56.5995% | 3,688 |
| Net loans and leases to core deposits | 79.0655% | 2,795 |
| Total domestic deposits to total assets | 73.6000% | 4,158 |
| Equity capital to assets | 19.7689% | 294 |
| Core capital (leverage) ratio | 21.4813% | 217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3838% | 327 |
| Memoranda: | ||
| Average total assets | $998,333,000 | 1,007 |
| Average earning assets | $942,105,000 | 982 |
| Average equity | $198,726,000 | 573 |
| Average total loans | $414,832,000 | 1,482 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 2,253 |
| Cost of funding earning assets | 1.8332% | 1,197 |
| Net interest margin | 3.0791% | 3,138 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 1.8842% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6043% | 860 |
| Return on assets (ROA) | 1.6053% | 829 |
| Pretax return on assets | 1.6657% | 1,130 |
| Return on Equity (ROE) | 8.6900% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.0695% | 1,877 |
| Net charge-offs to loans | -0.0155% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.1487% | 3,742 |
| Assets per employee ($millions) | 8.2097% | 1,329 |
| Cash dividends to net income (ytd only)* | 18.6093% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 2,794 |
| Loan loss allowance to noncurrent loans | 4,910.9890% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,446 |
| Noncurrent loans to loans | 0.0225% | 3,583 |
| Net loans and leases to total assets | 40.5200% | 4,024 |
| Net loans and leases to deposits | 52.8281% | 3,840 |
| Net loans and leases to core deposits | 73.5401% | 3,096 |
| Total domestic deposits to total assets | 76.7000% | 3,872 |
| Equity capital to assets | 20.0463% | 282 |
| Core capital (leverage) ratio | 20.4907% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9121% | 303 |
| Memoranda: | ||
| Average total assets | $1,004,222,400 | 982 |
| Average earning assets | $949,212,800 | 951 |
| Average equity | $185,600,600 | 570 |
| Average total loans | $392,874,200 | 1,493 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 2,349 |
| Cost of funding earning assets | 1.7383% | 1,111 |
| Net interest margin | 3.0228% | 3,301 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 1.8446% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6184% | 912 |
| Return on assets (ROA) | 1.6283% | 882 |
| Pretax return on assets | 1.6909% | 1,178 |
| Return on Equity (ROE) | 9.0000% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.1707% | 2,231 |
| Net charge-offs to loans | -0.0027% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.3260% | 3,732 |
| Assets per employee ($millions) | 8.4114% | 1,154 |
| Cash dividends to net income (ytd only)* | 20.2889% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 2,965 |
| Loan loss allowance to noncurrent loans | 1,920.0000% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 2,378 |
| Noncurrent loans to loans | 0.0562% | 3,352 |
| Net loans and leases to total assets | 40.0800% | 4,055 |
| Net loans and leases to deposits | 53.0234% | 3,839 |
| Net loans and leases to core deposits | 76.9235% | 2,805 |
| Total domestic deposits to total assets | 75.5900% | 4,049 |
| Equity capital to assets | 17.5518% | 370 |
| Core capital (leverage) ratio | 20.0364% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1959% | 346 |
| Memoranda: | ||
| Average total assets | $1,008,986,250 | 977 |
| Average earning assets | $954,147,000 | 947 |
| Average equity | $182,628,250 | 575 |
| Average total loans | $390,183,250 | 1,497 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5930% | 2,428 |
| Cost of funding earning assets | 1.5555% | 1,154 |
| Net interest margin | 3.0375% | 3,337 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.7893% | 4,017 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6064% | 939 |
| Return on assets (ROA) | 1.6212% | 914 |
| Pretax return on assets | 1.6843% | 1,248 |
| Return on Equity (ROE) | 8.8700% | 3,020 |
| Retained earnings to average equity (ytd only) | 6.1567% | 2,567 |
| Net charge-offs to loans | -0.0068% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.7427% | 3,790 |
| Assets per employee ($millions) | 8.6607% | 1,014 |
| Cash dividends to net income (ytd only)* | 30.5698% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 3,083 |
| Loan loss allowance to noncurrent loans | 2,600.5882% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 2,118 |
| Noncurrent loans to loans | 0.0412% | 3,430 |
| Net loans and leases to total assets | 38.9500% | 4,073 |
| Net loans and leases to deposits | 55.8907% | 3,650 |
| Net loans and leases to core deposits | 76.1032% | 2,757 |
| Total domestic deposits to total assets | 69.7000% | 4,371 |
| Equity capital to assets | 17.6101% | 357 |
| Core capital (leverage) ratio | 19.7335% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2202% | 343 |
| Memoranda: | ||
| Average total assets | $1,008,858,667 | 968 |
| Average earning assets | $954,538,667 | 934 |
| Average equity | $184,450,333 | 564 |
| Average total loans | $383,923,667 | 1,501 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 2,460 |
| Cost of funding earning assets | 1.3484% | 1,135 |
| Net interest margin | 3.0835% | 3,386 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.6656% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6668% | 873 |
| Return on assets (ROA) | 1.7033% | 810 |
| Pretax return on assets | 1.7748% | 1,118 |
| Return on Equity (ROE) | 9.1400% | 3,007 |
| Retained earnings to average equity (ytd only) | 9.1370% | 1,904 |
| Net charge-offs to loans | -0.0065% | 3,717 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9539% | 4,029 |
| Assets per employee ($millions) | 8.4102% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 1,656 |
| Loan loss allowance to noncurrent loans | 3,677.3050% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 1,393 |
| Noncurrent loans to loans | 0.0378% | 3,476 |
| Net loans and leases to total assets | 36.7400% | 4,160 |
| Net loans and leases to deposits | 47.7665% | 3,966 |
| Net loans and leases to core deposits | 67.5768% | 3,129 |
| Total domestic deposits to total assets | 76.9200% | 4,084 |
| Equity capital to assets | 18.7975% | 272 |
| Core capital (leverage) ratio | 20.2761% | 252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5885% | 285 |
| Memoranda: | ||
| Average total assets | $988,929,500 | 1,001 |
| Average earning assets | $937,389,000 | 969 |
| Average equity | $184,348,500 | 573 |
| Average total loans | $369,571,500 | 1,550 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 2,690 |
| Cost of funding earning assets | 0.6529% | 708 |
| Net interest margin | 2.9847% | 3,489 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.6902% | 4,197 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4776% | 938 |
| Return on assets (ROA) | 1.4680% | 921 |
| Pretax return on assets | 1.5305% | 1,361 |
| Return on Equity (ROE) | 7.9300% | 3,409 |
| Retained earnings to average equity (ytd only) | 6.8920% | 2,288 |
| Net charge-offs to loans | -0.0401% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.3149% | 3,954 |
| Assets per employee ($millions) | 8.2105% | 1,228 |
| Cash dividends to net income (ytd only)* | 13.0854% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,454 |
| Loan loss allowance to noncurrent loans | 3,341.2903% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 1,310 |
| Noncurrent loans to loans | 0.0423% | 3,459 |
| Net loans and leases to total assets | 36.9600% | 4,181 |
| Net loans and leases to deposits | 48.3467% | 3,968 |
| Net loans and leases to core deposits | 64.8313% | 3,218 |
| Total domestic deposits to total assets | 76.4400% | 4,227 |
| Equity capital to assets | 18.4812% | 274 |
| Core capital (leverage) ratio | 19.5113% | 278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1893% | 260 |
| Memoranda: | ||
| Average total assets | $1,002,129,600 | 977 |
| Average earning assets | $949,103,800 | 949 |
| Average equity | $185,520,600 | 560 |
| Average total loans | $376,628,800 | 1,470 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 2,843 |
| Cost of funding earning assets | 0.5165% | 693 |
| Net interest margin | 2.9094% | 3,476 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.6801% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4517% | 949 |
| Return on assets (ROA) | 1.4543% | 921 |
| Pretax return on assets | 1.5167% | 1,366 |
| Return on Equity (ROE) | 7.8500% | 3,371 |
| Retained earnings to average equity (ytd only) | 6.4781% | 2,559 |
| Net charge-offs to loans | -0.0376% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.5996% | 3,962 |
| Assets per employee ($millions) | 8.7381% | 986 |
| Cash dividends to net income (ytd only)* | 17.5016% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,553 |
| Loan loss allowance to noncurrent loans | 3,038.4615% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 1,317 |
| Noncurrent loans to loans | 0.0466% | 3,547 |
| Net loans and leases to total assets | 35.5500% | 4,247 |
| Net loans and leases to deposits | 45.0937% | 4,063 |
| Net loans and leases to core deposits | 64.7056% | 3,055 |
| Total domestic deposits to total assets | 78.8300% | 4,192 |
| Equity capital to assets | 17.2848% | 304 |
| Core capital (leverage) ratio | 18.9165% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3667% | 284 |
| Memoranda: | ||
| Average total assets | $1,008,400,000 | 979 |
| Average earning assets | $955,122,000 | 953 |
| Average equity | $186,758,250 | 561 |
| Average total loans | $379,221,250 | 1,453 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2107% | 3,007 |
| Cost of funding earning assets | 0.4289% | 766 |
| Net interest margin | 2.7818% | 3,493 |
| Noninterest income to average assets | 0.5244% | 2,066 |
| Noninterest expense to average assets | 1.7394% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3640% | 990 |
| Return on assets (ROA) | 1.3697% | 959 |
| Pretax return on assets | 1.4285% | 1,364 |
| Return on Equity (ROE) | 7.2355% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.2210% | 2,625 |
| Net charge-offs to loans | -0.0514% | 4,248 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0091% | 3,868 |
| Assets per employee ($millions) | 8.8134% | 947 |
| Cash dividends to net income (ytd only)* | 27.8421% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 1,849 |
| Loan loss allowance to noncurrent loans | 1,627.6190% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 1,351 |
| Noncurrent loans to loans | 0.0846% | 3,359 |
| Net loans and leases to total assets | 35.9055% | 4,252 |
| Net loans and leases to deposits | 48.4895% | 3,899 |
| Net loans and leases to core deposits | 65.6194% | 2,853 |
| Total domestic deposits to total assets | 74.0480% | 4,529 |
| Equity capital to assets | 17.7412% | 236 |
| Core capital (leverage) ratio | 18.5278% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6102% | 278 |
| Memoranda: | ||
| Average total assets | $1,009,571,667 | 971 |
| Average earning assets | $957,233,333 | 950 |
| Average equity | $191,113,667 | 559 |
| Average total loans | $384,846,667 | 1,423 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0577% | 3,090 |
| Cost of funding earning assets | 0.4037% | 846 |
| Net interest margin | 2.6541% | 3,514 |
| Noninterest income to average assets | 0.5060% | 2,113 |
| Noninterest expense to average assets | 1.7181% | 4,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2481% | 1,125 |
| Return on assets (ROA) | 1.2600% | 1,078 |
| Pretax return on assets | 1.3142% | 1,462 |
| Return on Equity (ROE) | 6.4496% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.4496% | 2,090 |
| Net charge-offs to loans | -0.0112% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8920% | 3,801 |
| Assets per employee ($millions) | 8.2228% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,415 |
| Loan loss allowance to noncurrent loans | 1,278.9340% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 1,422 |
| Noncurrent loans to loans | 0.1009% | 3,335 |
| Net loans and leases to total assets | 37.8196% | 4,123 |
| Net loans and leases to deposits | 52.4984% | 3,534 |
| Net loans and leases to core deposits | 68.0595% | 2,455 |
| Total domestic deposits to total assets | 72.0394% | 4,622 |
| Equity capital to assets | 18.7164% | 203 |
| Core capital (leverage) ratio | 18.3095% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0006% | 265 |
| Memoranda: | ||
| Average total assets | $1,003,182,500 | 978 |
| Average earning assets | $950,244,000 | 963 |
| Average equity | $195,982,000 | 560 |
| Average total loans | $391,166,500 | 1,395 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 2,797 |
| Cost of funding earning assets | 0.4194% | 1,397 |
| Net interest margin | 3.0313% | 3,105 |
| Noninterest income to average assets | 1.2685% | 659 |
| Noninterest expense to average assets | 2.4879% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5927% | 830 |
| Return on assets (ROA) | 1.6189% | 803 |
| Pretax return on assets | 1.6895% | 1,178 |
| Return on Equity (ROE) | 8.4681% | 3,088 |
| Retained earnings to average equity (ytd only) | 6.4620% | 2,150 |
| Net charge-offs to loans | -0.0045% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9479% | 3,156 |
| Assets per employee ($millions) | 7.7088% | 1,490 |
| Cash dividends to net income (ytd only)* | 23.6905% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,438 |
| Loan loss allowance to noncurrent loans | 1,005.6000% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 1,427 |
| Noncurrent loans to loans | 0.1277% | 3,294 |
| Net loans and leases to total assets | 39.1844% | 4,139 |
| Net loans and leases to deposits | 55.8573% | 3,432 |
| Net loans and leases to core deposits | 73.9366% | 2,078 |
| Total domestic deposits to total assets | 70.1509% | 4,681 |
| Equity capital to assets | 20.3829% | 167 |
| Core capital (leverage) ratio | 18.3884% | 233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7919% | 264 |
| Memoranda: | ||
| Average total assets | $1,035,389,400 | 936 |
| Average earning assets | $984,225,600 | 919 |
| Average equity | $197,942,200 | 553 |
| Average total loans | $465,408,800 | 1,228 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3865% | 3,138 |
| Cost of funding earning assets | 0.4202% | 1,550 |
| Net interest margin | 2.9663% | 3,398 |
| Noninterest income to average assets | 1.3694% | 630 |
| Noninterest expense to average assets | 2.6467% | 1,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4836% | 1,310 |
| Return on assets (ROA) | 1.5132% | 1,290 |
| Pretax return on assets | 1.5790% | 1,766 |
| Return on Equity (ROE) | 8.0405% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.4995% | 2,222 |
| Net charge-offs to loans | -0.0030% | 3,302 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0935% | 2,525 |
| Assets per employee ($millions) | 7.7993% | 1,378 |
| Cash dividends to net income (ytd only)* | 6.7289% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 3,090 |
| Loan loss allowance to noncurrent loans | 854.8552% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 1,706 |
| Noncurrent loans to loans | 0.1378% | 3,423 |
| Net loans and leases to total assets | 40.2902% | 4,195 |
| Net loans and leases to deposits | 56.3674% | 3,549 |
| Net loans and leases to core deposits | 84.4069% | 1,395 |
| Total domestic deposits to total assets | 71.4778% | 4,698 |
| Equity capital to assets | 19.2684% | 219 |
| Core capital (leverage) ratio | 17.8112% | 273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9628% | 305 |
| Memoranda: | ||
| Average total assets | $1,047,553,750 | 939 |
| Average earning assets | $997,860,500 | 915 |
| Average equity | $197,146,500 | 556 |
| Average total loans | $483,842,750 | 1,216 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3359% | 3,340 |
| Cost of funding earning assets | 0.4284% | 1,669 |
| Net interest margin | 2.9075% | 3,560 |
| Noninterest income to average assets | 1.7326% | 415 |
| Noninterest expense to average assets | 2.8553% | 1,244 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5780% | 1,096 |
| Return on assets (ROA) | 1.6322% | 1,034 |
| Pretax return on assets | 1.7034% | 1,472 |
| Return on Equity (ROE) | 8.7423% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.9249% | 2,102 |
| Net charge-offs to loans | -0.0036% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4195% | 2,508 |
| Assets per employee ($millions) | 7.4969% | 1,476 |
| Cash dividends to net income (ytd only)* | 9.3502% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,142 |
| Loan loss allowance to noncurrent loans | 780.0933% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 1,862 |
| Noncurrent loans to loans | 0.1487% | 3,458 |
| Net loans and leases to total assets | 40.1480% | 4,281 |
| Net loans and leases to deposits | 55.5699% | 3,744 |
| Net loans and leases to core deposits | 88.4800% | 1,236 |
| Total domestic deposits to total assets | 72.2477% | 4,703 |
| Equity capital to assets | 18.6764% | 246 |
| Core capital (leverage) ratio | 17.1784% | 299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5467% | 320 |
| Memoranda: | ||
| Average total assets | $1,048,371,667 | 931 |
| Average earning assets | $998,653,000 | 909 |
| Average equity | $195,737,333 | 554 |
| Average total loans | $503,093,333 | 1,179 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3962% | 3,207 |
| Cost of funding earning assets | 0.4320% | 1,849 |
| Net interest margin | 2.9641% | 3,349 |
| Noninterest income to average assets | 2.6220% | 252 |
| Noninterest expense to average assets | 3.0596% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2811% | 368 |
| Return on assets (ROA) | 2.4063% | 335 |
| Pretax return on assets | 2.5128% | 429 |
| Return on Equity (ROE) | 12.8901% | 1,701 |
| Retained earnings to average equity (ytd only) | 12.8901% | 941 |
| Net charge-offs to loans | 0.0126% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 364.4706% | 254 |
| Efficiency ratio | 56.2213% | 3,520 |
| Assets per employee ($millions) | 7.8103% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,298 |
| Loan loss allowance to noncurrent loans | 555.6793% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4661% | 1,992 |
| Noncurrent loans to loans | 0.1528% | 3,566 |
| Net loans and leases to total assets | 53.2920% | 3,312 |
| Net loans and leases to deposits | 78.3221% | 1,687 |
| Net loans and leases to core deposits | 117.2164% | 275 |
| Total domestic deposits to total assets | 68.0422% | 4,804 |
| Equity capital to assets | 17.9657% | 257 |
| Core capital (leverage) ratio | 17.7163% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5981% | 371 |
| Memoranda: | ||
| Average total assets | $1,040,278,000 | 924 |
| Average earning assets | $989,705,000 | 906 |
| Average equity | $194,195,500 | 549 |
| Average total loans | $538,432,500 | 1,129 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8774% | 3,094 |
| Cost of funding earning assets | 0.6952% | 1,735 |
| Net interest margin | 3.1822% | 3,401 |
| Noninterest income to average assets | 1.8962% | 358 |
| Noninterest expense to average assets | 2.1900% | 3,691 |
| Loan and lease loss provision to assets | 0.0421% | 3,870 |
| Net operating income to assets | 2.5477% | 130 |
| Return on assets (ROA) | 2.5093% | 139 |
| Pretax return on assets | 2.6320% | 165 |
| Return on Equity (ROE) | 13.1797% | 997 |
| Retained earnings to average equity (ytd only) | 9.8764% | 610 |
| Net charge-offs to loans | 0.0419% | 2,223 |
| Credit loss provision to net charge-offs | 228.5714% | 2,030 |
| Earnings coverage of net charge-offs (x) | 147.2571% | 588 |
| Efficiency ratio | 44.6533% | 4,770 |
| Assets per employee ($millions) | 7.3119% | 1,391 |
| Cash dividends to net income (ytd only)* | 25.0640% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 3,787 |
| Loan loss allowance to noncurrent loans | 549.6158% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 1,838 |
| Noncurrent loans to loans | 0.1862% | 3,546 |
| Net loans and leases to total assets | 49.0471% | 3,904 |
| Net loans and leases to deposits | 69.0355% | 2,976 |
| Net loans and leases to core deposits | 106.7379% | 615 |
| Total domestic deposits to total assets | 71.0462% | 4,751 |
| Equity capital to assets | 19.4453% | 218 |
| Core capital (leverage) ratio | 16.7240% | 335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0633% | 433 |
| Memoranda: | ||
| Average total assets | $949,370,200 | 928 |
| Average earning assets | $897,468,200 | 903 |
| Average equity | $180,755,000 | 556 |
| Average total loans | $417,917,200 | 1,302 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 3,197 |
| Cost of funding earning assets | 0.7553% | 1,704 |
| Net interest margin | 3.1628% | 3,583 |
| Noninterest income to average assets | 1.6384% | 440 |
| Noninterest expense to average assets | 1.9333% | 4,281 |
| Loan and lease loss provision to assets | 0.0567% | 3,640 |
| Net operating income to assets | 2.5152% | 140 |
| Return on assets (ROA) | 2.5061% | 149 |
| Pretax return on assets | 2.6283% | 175 |
| Return on Equity (ROE) | 13.2366% | 1,046 |
| Retained earnings to average equity (ytd only) | 11.1387% | 546 |
| Net charge-offs to loans | 0.0576% | 1,783 |
| Credit loss provision to net charge-offs | 231.2139% | 1,995 |
| Earnings coverage of net charge-offs (x) | 109.8092% | 741 |
| Efficiency ratio | 41.7734% | 4,856 |
| Assets per employee ($millions) | 7.9948% | 996 |
| Cash dividends to net income (ytd only)* | 15.8488% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,444 |
| Loan loss allowance to noncurrent loans | 617.6326% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.6494% | 1,791 |
| Noncurrent loans to loans | 0.1705% | 3,701 |
| Net loans and leases to total assets | 45.2839% | 4,352 |
| Net loans and leases to deposits | 67.4154% | 3,520 |
| Net loans and leases to core deposits | 109.5065% | 718 |
| Total domestic deposits to total assets | 67.1714% | 4,827 |
| Equity capital to assets | 18.0962% | 292 |
| Core capital (leverage) ratio | 17.2182% | 320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0207% | 781 |
| Memoranda: | ||
| Average total assets | $939,935,500 | 922 |
| Average earning assets | $888,469,250 | 900 |
| Average equity | $177,957,250 | 556 |
| Average total loans | $400,107,750 | 1,342 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,248 |
| Cost of funding earning assets | 0.8662% | 1,514 |
| Net interest margin | 3.1642% | 3,755 |
| Noninterest income to average assets | 1.3046% | 600 |
| Noninterest expense to average assets | 1.7671% | 4,605 |
| Loan and lease loss provision to assets | 0.0441% | 3,738 |
| Net operating income to assets | 2.3667% | 168 |
| Return on assets (ROA) | 2.3692% | 184 |
| Pretax return on assets | 2.4852% | 219 |
| Return on Equity (ROE) | 12.3059% | 1,258 |
| Retained earnings to average equity (ytd only) | 10.8166% | 635 |
| Net charge-offs to loans | 0.0165% | 2,401 |
| Credit loss provision to net charge-offs | 645.1613% | 1,055 |
| Earnings coverage of net charge-offs (x) | 369.5484% | 275 |
| Efficiency ratio | 41.1547% | 4,884 |
| Assets per employee ($millions) | 8.2868% | 872 |
| Cash dividends to net income (ytd only)* | 12.1020% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 2,850 |
| Loan loss allowance to noncurrent loans | 513.0570% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 1,889 |
| Noncurrent loans to loans | 0.2214% | 3,585 |
| Net loans and leases to total assets | 43.3365% | 4,487 |
| Net loans and leases to deposits | 63.9557% | 3,888 |
| Net loans and leases to core deposits | 101.1755% | 1,177 |
| Total domestic deposits to total assets | 67.7602% | 4,845 |
| Equity capital to assets | 18.2744% | 281 |
| Core capital (leverage) ratio | 17.8890% | 295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,805,000 | 934 |
| Average earning assets | $856,646,333 | 912 |
| Average equity | $174,583,333 | 566 |
| Average total loans | $374,924,667 | 1,415 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,376 |
| Cost of funding earning assets | 1.0441% | 1,241 |
| Net interest margin | 3.1058% | 4,082 |
| Noninterest income to average assets | 0.7699% | 1,395 |
| Noninterest expense to average assets | 1.6459% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9558% | 295 |
| Return on assets (ROA) | 1.9611% | 321 |
| Pretax return on assets | 2.0579% | 400 |
| Return on Equity (ROE) | 9.8963% | 1,782 |
| Retained earnings to average equity (ytd only) | 6.8556% | 1,593 |
| Net charge-offs to loans | 0.0406% | 1,628 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 126.5143% | 489 |
| Efficiency ratio | 44.5043% | 4,867 |
| Assets per employee ($millions) | 7.6867% | 834 |
| Cash dividends to net income (ytd only)* | 30.7256% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,607 |
| Loan loss allowance to noncurrent loans | 414.9476% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 1,750 |
| Noncurrent loans to loans | 0.3436% | 3,261 |
| Net loans and leases to total assets | 38.4707% | 4,715 |
| Net loans and leases to deposits | 59.3799% | 4,221 |
| Net loans and leases to core deposits | 89.7078% | 2,375 |
| Total domestic deposits to total assets | 64.7874% | 4,980 |
| Equity capital to assets | 20.1689% | 237 |
| Core capital (leverage) ratio | 18.9067% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $862,998,500 | 948 |
| Average earning assets | $813,700,500 | 926 |
| Average equity | $171,013,000 | 577 |
| Average total loans | $344,438,500 | 1,470 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,145 |
| Cost of funding earning assets | 1.2655% | 851 |
| Net interest margin | 3.1722% | 4,248 |
| Noninterest income to average assets | 0.3805% | 3,418 |
| Noninterest expense to average assets | 1.5007% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7786% | 547 |
| Return on assets (ROA) | 1.6272% | 838 |
| Pretax return on assets | 1.7089% | 1,167 |
| Return on Equity (ROE) | 8.6113% | 2,902 |
| Retained earnings to average equity (ytd only) | 6.4598% | 1,633 |
| Net charge-offs to loans | -0.1595% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5437% | 4,959 |
| Assets per employee ($millions) | 8.4736% | 599 |
| Cash dividends to net income (ytd only)* | 24.9838% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 1,731 |
| Loan loss allowance to noncurrent loans | 625.0980% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 1,823 |
| Noncurrent loans to loans | 0.2150% | 3,687 |
| Net loans and leases to total assets | 40.2289% | 4,726 |
| Net loans and leases to deposits | 61.8961% | 4,194 |
| Net loans and leases to core deposits | 92.7513% | 2,181 |
| Total domestic deposits to total assets | 64.9942% | 5,040 |
| Equity capital to assets | 19.4713% | 272 |
| Core capital (leverage) ratio | 18.2405% | 322 |
| Tier 1 risk-based capital ratio | 27.5066% | 587 |
| Total risk-based capital ratio | 28.3481% | 599 |
| Memoranda: | ||
| Average total assets | $853,823,000 | 925 |
| Average earning assets | $804,354,800 | 904 |
| Average equity | $161,335,400 | 582 |
| Average total loans | $337,859,200 | 1,468 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 3,093 |
| Cost of funding earning assets | 1.2974% | 797 |
| Net interest margin | 3.1911% | 4,313 |
| Noninterest income to average assets | 0.3216% | 3,820 |
| Noninterest expense to average assets | 1.4726% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7633% | 657 |
| Return on assets (ROA) | 1.6961% | 792 |
| Pretax return on assets | 1.7846% | 1,125 |
| Return on Equity (ROE) | 9.0467% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.2827% | 2,232 |
| Net charge-offs to loans | -0.2324% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2484% | 5,003 |
| Assets per employee ($millions) | 8.8946% | 508 |
| Cash dividends to net income (ytd only)* | 30.5527% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,583 |
| Loan loss allowance to noncurrent loans | 656.3265% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.6962% | 1,957 |
| Noncurrent loans to loans | 0.2130% | 3,773 |
| Net loans and leases to total assets | 39.0351% | 4,847 |
| Net loans and leases to deposits | 61.2444% | 4,330 |
| Net loans and leases to core deposits | 94.2290% | 2,161 |
| Total domestic deposits to total assets | 63.7366% | 5,128 |
| Equity capital to assets | 19.2310% | 293 |
| Core capital (leverage) ratio | 18.0885% | 344 |
| Tier 1 risk-based capital ratio | 27.6156% | 602 |
| Total risk-based capital ratio | 28.4986% | 608 |
| Memoranda: | ||
| Average total assets | $849,084,250 | 928 |
| Average earning assets | $799,957,250 | 905 |
| Average equity | $159,184,000 | 587 |
| Average total loans | $333,351,250 | 1,490 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5205% | 2,950 |
| Cost of funding earning assets | 1.3022% | 734 |
| Net interest margin | 3.2184% | 4,322 |
| Noninterest income to average assets | 0.3237% | 3,774 |
| Noninterest expense to average assets | 1.4514% | 5,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8159% | 573 |
| Return on assets (ROA) | 1.7710% | 659 |
| Pretax return on assets | 1.8582% | 920 |
| Return on Equity (ROE) | 9.5314% | 2,616 |
| Retained earnings to average equity (ytd only) | 5.3105% | 2,616 |
| Net charge-offs to loans | -0.1651% | 5,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2354% | 5,088 |
| Assets per employee ($millions) | 8.9430% | 475 |
| Cash dividends to net income (ytd only)* | 44.2834% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 1,915 |
| Loan loss allowance to noncurrent loans | 563.6704% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 1,775 |
| Noncurrent loans to loans | 0.2347% | 3,703 |
| Net loans and leases to total assets | 39.2269% | 4,872 |
| Net loans and leases to deposits | 58.9251% | 4,479 |
| Net loans and leases to core deposits | 96.1719% | 2,053 |
| Total domestic deposits to total assets | 66.5708% | 5,138 |
| Equity capital to assets | 18.9358% | 294 |
| Core capital (leverage) ratio | 17.6365% | 369 |
| Tier 1 risk-based capital ratio | 27.1757% | 607 |
| Total risk-based capital ratio | 28.0098% | 631 |
| Memoranda: | ||
| Average total assets | $841,554,000 | 929 |
| Average earning assets | $793,139,330 | 912 |
| Average equity | $156,368,000 | 594 |
| Average total loans | $329,440,670 | 1,515 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,940 |
| Cost of funding earning assets | 1.2599% | 743 |
| Net interest margin | 3.2197% | 4,350 |
| Noninterest income to average assets | 0.3203% | 3,718 |
| Noninterest expense to average assets | 1.4193% | 5,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8552% | 504 |
| Return on assets (ROA) | 1.8529% | 520 |
| Pretax return on assets | 1.9293% | 746 |
| Return on Equity (ROE) | 10.0712% | 2,340 |
| Retained earnings to average equity (ytd only) | 4.0687% | 3,289 |
| Net charge-offs to loans | 0.0223% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 223.5000% | 351 |
| Efficiency ratio | 42.3556% | 5,156 |
| Assets per employee ($millions) | 8.8640% | 505 |
| Cash dividends to net income (ytd only)* | 59.6009% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 2,413 |
| Loan loss allowance to noncurrent loans | 524.8447% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6589% | 2,118 |
| Noncurrent loans to loans | 0.2349% | 3,734 |
| Net loans and leases to total assets | 39.7720% | 4,895 |
| Net loans and leases to deposits | 59.5575% | 4,438 |
| Net loans and leases to core deposits | 91.7888% | 2,317 |
| Total domestic deposits to total assets | 66.7792% | 5,199 |
| Equity capital to assets | 18.3619% | 317 |
| Core capital (leverage) ratio | 17.5778% | 362 |
| Tier 1 risk-based capital ratio | 26.6106% | 648 |
| Total risk-based capital ratio | 27.3908% | 664 |
| Memoranda: | ||
| Average total assets | $833,069,000 | 942 |
| Average earning assets | $784,162,500 | 922 |
| Average equity | $153,268,000 | 599 |
| Average total loans | $323,517,500 | 1,554 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,179 |
| Cost of funding earning assets | 0.9723% | 837 |
| Net interest margin | 3.3082% | 4,235 |
| Noninterest income to average assets | 0.3697% | 3,621 |
| Noninterest expense to average assets | 1.5109% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8863% | 464 |
| Return on assets (ROA) | 1.9251% | 414 |
| Pretax return on assets | 2.0057% | 560 |
| Return on Equity (ROE) | 10.6215% | 2,235 |
| Retained earnings to average equity (ytd only) | 7.7315% | 1,361 |
| Net charge-offs to loans | -0.0228% | 4,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4647% | 5,195 |
| Assets per employee ($millions) | 8.6722% | 516 |
| Cash dividends to net income (ytd only)* | 27.2087% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,663 |
| Loan loss allowance to noncurrent loans | 452.8282% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 1,968 |
| Noncurrent loans to loans | 0.3078% | 3,446 |
| Net loans and leases to total assets | 36.8169% | 5,051 |
| Net loans and leases to deposits | 52.6020% | 4,802 |
| Net loans and leases to core deposits | 81.1115% | 3,341 |
| Total domestic deposits to total assets | 69.9914% | 5,152 |
| Equity capital to assets | 18.4357% | 307 |
| Core capital (leverage) ratio | 17.9648% | 332 |
| Tier 1 risk-based capital ratio | 28.2255% | 551 |
| Total risk-based capital ratio | 29.0685% | 563 |
| Memoranda: | ||
| Average total assets | $796,095,000 | 954 |
| Average earning assets | $747,538,000 | 938 |
| Average equity | $144,292,200 | 601 |
| Average total loans | $294,148,200 | 1,619 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 3,188 |
| Cost of funding earning assets | 0.9159% | 859 |
| Net interest margin | 3.3206% | 4,220 |
| Noninterest income to average assets | 0.3870% | 3,552 |
| Noninterest expense to average assets | 1.5292% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8973% | 489 |
| Return on assets (ROA) | 1.9486% | 430 |
| Pretax return on assets | 2.0303% | 578 |
| Return on Equity (ROE) | 10.7985% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.0636% | 2,096 |
| Net charge-offs to loans | -0.0018% | 4,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6157% | 5,229 |
| Assets per employee ($millions) | 8.3620% | 556 |
| Cash dividends to net income (ytd only)* | 34.5871% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 1,681 |
| Loan loss allowance to noncurrent loans | 423.0769% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7568% | 1,960 |
| Noncurrent loans to loans | 0.3318% | 3,476 |
| Net loans and leases to total assets | 36.9558% | 5,109 |
| Net loans and leases to deposits | 56.8286% | 4,708 |
| Net loans and leases to core deposits | 82.6598% | 3,282 |
| Total domestic deposits to total assets | 65.0303% | 5,340 |
| Equity capital to assets | 18.1043% | 327 |
| Core capital (leverage) ratio | 17.7979% | 344 |
| Tier 1 risk-based capital ratio | 27.9980% | 571 |
| Total risk-based capital ratio | 28.8452% | 584 |
| Memoranda: | ||
| Average total assets | $791,321,000 | 958 |
| Average earning assets | $743,296,750 | 942 |
| Average equity | $142,793,750 | 605 |
| Average total loans | $291,592,500 | 1,637 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 3,150 |
| Cost of funding earning assets | 0.8506% | 911 |
| Net interest margin | 3.3387% | 4,136 |
| Noninterest income to average assets | 0.3948% | 3,524 |
| Noninterest expense to average assets | 1.5166% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.9284% | 435 |
| Return on assets (ROA) | 2.0015% | 376 |
| Pretax return on assets | 2.0903% | 500 |
| Return on Equity (ROE) | 11.1041% | 2,067 |
| Retained earnings to average equity (ytd only) | 5.4882% | 2,831 |
| Net charge-offs to loans | -0.0041% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9544% | 5,310 |
| Assets per employee ($millions) | 8.3351% | 552 |
| Cash dividends to net income (ytd only)* | 50.5753% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 1,607 |
| Loan loss allowance to noncurrent loans | 419.8795% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 1,784 |
| Noncurrent loans to loans | 0.3426% | 3,471 |
| Net loans and leases to total assets | 36.1844% | 5,172 |
| Net loans and leases to deposits | 54.6564% | 4,818 |
| Net loans and leases to core deposits | 78.0573% | 3,576 |
| Total domestic deposits to total assets | 66.2034% | 5,383 |
| Equity capital to assets | 18.0474% | 321 |
| Core capital (leverage) ratio | 17.5308% | 345 |
| Tier 1 risk-based capital ratio | 27.3954% | 590 |
| Total risk-based capital ratio | 28.2485% | 600 |
| Memoranda: | ||
| Average total assets | $790,299,000 | 958 |
| Average earning assets | $742,316,000 | 948 |
| Average equity | $142,452,330 | 598 |
| Average total loans | $289,539,330 | 1,646 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 3,208 |
| Cost of funding earning assets | 0.7893% | 994 |
| Net interest margin | 3.3196% | 4,133 |
| Noninterest income to average assets | 0.4286% | 3,254 |
| Noninterest expense to average assets | 1.4870% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9716% | 396 |
| Return on assets (ROA) | 1.9784% | 393 |
| Pretax return on assets | 2.0660% | 511 |
| Return on Equity (ROE) | 10.9826% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.9826% | 904 |
| Net charge-offs to loans | 0.0055% | 2,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1,016.0000% | 56 |
| Efficiency ratio | 41.9346% | 5,401 |
| Assets per employee ($millions) | 8.2793% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 1,623 |
| Loan loss allowance to noncurrent loans | 432.7801% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 1,904 |
| Noncurrent loans to loans | 0.3370% | 3,553 |
| Net loans and leases to total assets | 35.8351% | 5,214 |
| Net loans and leases to deposits | 54.3616% | 4,776 |
| Net loans and leases to core deposits | 81.3864% | 3,201 |
| Total domestic deposits to total assets | 65.9199% | 5,466 |
| Equity capital to assets | 18.1076% | 303 |
| Core capital (leverage) ratio | 17.6617% | 329 |
| Tier 1 risk-based capital ratio | 27.3800% | 594 |
| Total risk-based capital ratio | 28.2321% | 610 |
| Memoranda: | ||
| Average total assets | $789,531,000 | 970 |
| Average earning assets | $741,407,500 | 960 |
| Average equity | $142,225,500 | 600 |
| Average total loans | $288,957,500 | 1,659 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,477 |
| Cost of funding earning assets | 0.7357% | 866 |
| Net interest margin | 3.2431% | 4,323 |
| Noninterest income to average assets | 0.4517% | 3,301 |
| Noninterest expense to average assets | 1.5239% | 5,462 |
| Loan and lease loss provision to assets | -0.0727% | 5,434 |
| Net operating income to assets | 1.9596% | 308 |
| Return on assets (ROA) | 1.9747% | 301 |
| Pretax return on assets | 2.0623% | 425 |
| Return on Equity (ROE) | 11.6155% | 1,310 |
| Retained earnings to average equity (ytd only) | 9.4746% | 423 |
| Net charge-offs to loans | -0.1656% | 5,485 |
| Credit loss provision to net charge-offs | 119.3416% | 2,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5684% | 5,465 |
| Assets per employee ($millions) | 8.1704% | 604 |
| Cash dividends to net income (ytd only)* | 18.4316% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 1,648 |
| Loan loss allowance to noncurrent loans | 407.0175% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 1,866 |
| Noncurrent loans to loans | 0.3515% | 3,503 |
| Net loans and leases to total assets | 36.3030% | 5,275 |
| Net loans and leases to deposits | 54.4853% | 4,869 |
| Net loans and leases to core deposits | 85.3550% | 2,956 |
| Total domestic deposits to total assets | 66.6290% | 5,504 |
| Equity capital to assets | 17.9209% | 322 |
| Core capital (leverage) ratio | 17.2036% | 357 |
| Tier 1 risk-based capital ratio | 27.2223% | 586 |
| Total risk-based capital ratio | 28.0953% | 595 |
| Memoranda: | ||
| Average total assets | $798,141,800 | 934 |
| Average earning assets | $749,663,200 | 919 |
| Average equity | $135,689,800 | 606 |
| Average total loans | $293,430,400 | 1,596 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,486 |
| Cost of funding earning assets | 0.7414% | 792 |
| Net interest margin | 3.2191% | 4,403 |
| Noninterest income to average assets | 0.4557% | 3,304 |
| Noninterest expense to average assets | 1.4843% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.9097% | 379 |
| Return on assets (ROA) | 1.9299% | 366 |
| Pretax return on assets | 2.0154% | 530 |
| Return on Equity (ROE) | 11.5061% | 1,484 |
| Retained earnings to average equity (ytd only) | 8.7223% | 937 |
| Net charge-offs to loans | -0.2827% | 5,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6681% | 5,521 |
| Assets per employee ($millions) | 8.2025% | 587 |
| Cash dividends to net income (ytd only)* | 24.1942% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 1,075 |
| Loan loss allowance to noncurrent loans | 418.5629% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 1,974 |
| Noncurrent loans to loans | 0.4004% | 3,511 |
| Net loans and leases to total assets | 36.0837% | 5,342 |
| Net loans and leases to deposits | 53.6065% | 4,980 |
| Net loans and leases to core deposits | 84.4175% | 3,096 |
| Total domestic deposits to total assets | 67.3123% | 5,557 |
| Equity capital to assets | 17.6996% | 360 |
| Core capital (leverage) ratio | 16.6342% | 415 |
| Tier 1 risk-based capital ratio | 26.1272% | 667 |
| Total risk-based capital ratio | 27.1362% | 676 |
| Memoranda: | ||
| Average total assets | $799,544,250 | 940 |
| Average earning assets | $750,825,250 | 920 |
| Average equity | $134,105,000 | 615 |
| Average total loans | $293,815,750 | 1,608 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,412 |
| Cost of funding earning assets | 0.7415% | 718 |
| Net interest margin | 3.1972% | 4,427 |
| Noninterest income to average assets | 0.4772% | 3,168 |
| Noninterest expense to average assets | 1.4515% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9405% | 344 |
| Return on assets (ROA) | 1.9707% | 329 |
| Pretax return on assets | 2.0581% | 487 |
| Return on Equity (ROE) | 11.9683% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.7215% | 1,275 |
| Net charge-offs to loans | -0.0143% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7319% | 5,586 |
| Assets per employee ($millions) | 8.2826% | 552 |
| Cash dividends to net income (ytd only)* | 35.4835% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,619 |
| Loan loss allowance to noncurrent loans | 290.9153% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9269% | 1,899 |
| Noncurrent loans to loans | 0.5115% | 3,226 |
| Net loans and leases to total assets | 35.3598% | 5,403 |
| Net loans and leases to deposits | 52.8149% | 5,024 |
| Net loans and leases to core deposits | 82.4504% | 3,214 |
| Total domestic deposits to total assets | 66.9505% | 5,620 |
| Equity capital to assets | 17.0944% | 397 |
| Core capital (leverage) ratio | 16.1182% | 463 |
| Tier 1 risk-based capital ratio | 25.6418% | 694 |
| Total risk-based capital ratio | 26.5617% | 705 |
| Memoranda: | ||
| Average total assets | $800,845,330 | 944 |
| Average earning assets | $751,669,000 | 926 |
| Average equity | $131,865,000 | 628 |
| Average total loans | $294,424,330 | 1,606 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,284 |
| Cost of funding earning assets | 0.7249% | 744 |
| Net interest margin | 3.2048% | 4,329 |
| Noninterest income to average assets | 0.5398% | 2,710 |
| Noninterest expense to average assets | 1.4653% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9901% | 308 |
| Return on assets (ROA) | 1.9901% | 320 |
| Pretax return on assets | 2.0781% | 430 |
| Return on Equity (ROE) | 12.3227% | 1,155 |
| Retained earnings to average equity (ytd only) | 12.3227% | 442 |
| Net charge-offs to loans | -0.0134% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3525% | 5,661 |
| Assets per employee ($millions) | 8.2879% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 1,540 |
| Loan loss allowance to noncurrent loans | 294.5630% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 1,923 |
| Noncurrent loans to loans | 0.5233% | 3,246 |
| Net loans and leases to total assets | 34.7242% | 5,448 |
| Net loans and leases to deposits | 50.6662% | 5,089 |
| Net loans and leases to core deposits | 78.3682% | 3,438 |
| Total domestic deposits to total assets | 68.5353% | 5,670 |
| Equity capital to assets | 16.7792% | 400 |
| Core capital (leverage) ratio | 15.9918% | 458 |
| Tier 1 risk-based capital ratio | 26.0131% | 688 |
| Total risk-based capital ratio | 26.9561% | 693 |
| Memoranda: | ||
| Average total assets | $799,559,500 | 944 |
| Average earning assets | $749,365,500 | 932 |
| Average equity | $129,128,000 | 633 |
| Average total loans | $297,447,500 | 1,592 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 3,461 |
| Cost of funding earning assets | 0.8381% | 415 |
| Net interest margin | 3.0908% | 4,752 |
| Noninterest income to average assets | 0.5285% | 3,040 |
| Noninterest expense to average assets | 1.6391% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7059% | 539 |
| Return on assets (ROA) | 1.7384% | 524 |
| Pretax return on assets | 1.8150% | 772 |
| Return on Equity (ROE) | 10.4647% | 1,776 |
| Retained earnings to average equity (ytd only) | 7.0864% | 1,197 |
| Net charge-offs to loans | 0.0593% | 2,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 79.4128% | 718 |
| Efficiency ratio | 47.9241% | 5,575 |
| Assets per employee ($millions) | 8.1996% | 554 |
| Cash dividends to net income (ytd only)* | 32.2832% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,321 |
| Loan loss allowance to noncurrent loans | 285.6187% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9116% | 2,082 |
| Noncurrent loans to loans | 0.4713% | 3,459 |
| Net loans and leases to total assets | 38.5509% | 5,381 |
| Net loans and leases to deposits | 57.2168% | 4,843 |
| Net loans and leases to core deposits | 90.5370% | 2,451 |
| Total domestic deposits to total assets | 67.3768% | 5,732 |
| Equity capital to assets | 15.5395% | 557 |
| Core capital (leverage) ratio | 15.9248% | 472 |
| Tier 1 risk-based capital ratio | 23.5252% | 913 |
| Total risk-based capital ratio | 24.4059% | 936 |
| Memoranda: | ||
| Average total assets | $766,897,400 | 940 |
| Average earning assets | $717,479,600 | 927 |
| Average equity | $127,399,800 | 632 |
| Average total loans | $290,072,000 | 1,563 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,433 |
| Cost of funding earning assets | 0.8740% | 333 |
| Net interest margin | 3.0746% | 4,845 |
| Noninterest income to average assets | 0.5212% | 3,106 |
| Noninterest expense to average assets | 1.6534% | 5,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6742% | 626 |
| Return on assets (ROA) | 1.6987% | 628 |
| Pretax return on assets | 1.7667% | 961 |
| Return on Equity (ROE) | 10.0514% | 2,029 |
| Retained earnings to average equity (ytd only) | 5.6145% | 2,425 |
| Net charge-offs to loans | 0.0457% | 2,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 101.7320% | 648 |
| Efficiency ratio | 48.7084% | 5,568 |
| Assets per employee ($millions) | 7.7845% | 644 |
| Cash dividends to net income (ytd only)* | 44.1421% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,910 |
| Loan loss allowance to noncurrent loans | 239.9227% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1276% | 1,793 |
| Noncurrent loans to loans | 0.6105% | 3,189 |
| Net loans and leases to total assets | 37.9252% | 5,471 |
| Net loans and leases to deposits | 59.5962% | 4,786 |
| Net loans and leases to core deposits | 87.3543% | 2,817 |
| Total domestic deposits to total assets | 63.6370% | 5,851 |
| Equity capital to assets | 17.2783% | 405 |
| Core capital (leverage) ratio | 15.7977% | 514 |
| Tier 1 risk-based capital ratio | 23.1709% | 987 |
| Total risk-based capital ratio | 24.1005% | 1,008 |
| Memoranda: | ||
| Average total assets | $755,680,750 | 957 |
| Average earning assets | $706,195,500 | 945 |
| Average equity | $127,713,750 | 629 |
| Average total loans | $283,287,000 | 1,602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,433 |
| Cost of funding earning assets | 0.8895% | 308 |
| Net interest margin | 3.0583% | 4,955 |
| Noninterest income to average assets | 0.5017% | 3,177 |
| Noninterest expense to average assets | 1.6918% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6124% | 698 |
| Return on assets (ROA) | 1.6374% | 703 |
| Pretax return on assets | 1.6966% | 1,099 |
| Return on Equity (ROE) | 9.7634% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.0119% | 3,999 |
| Net charge-offs to loans | 0.0524% | 2,454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 85.9041% | 660 |
| Efficiency ratio | 50.3130% | 5,544 |
| Assets per employee ($millions) | 7.7519% | 631 |
| Cash dividends to net income (ytd only)* | 69.1507% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 1,838 |
| Loan loss allowance to noncurrent loans | 238.0926% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 1,854 |
| Noncurrent loans to loans | 0.6321% | 3,186 |
| Net loans and leases to total assets | 37.2558% | 5,548 |
| Net loans and leases to deposits | 54.7918% | 5,089 |
| Net loans and leases to core deposits | 83.8139% | 3,101 |
| Total domestic deposits to total assets | 67.9953% | 5,841 |
| Equity capital to assets | 16.9218% | 443 |
| Core capital (leverage) ratio | 15.3241% | 551 |
| Tier 1 risk-based capital ratio | 22.7584% | 1,046 |
| Total risk-based capital ratio | 23.7127% | 1,066 |
| Memoranda: | ||
| Average total assets | $750,684,330 | 961 |
| Average earning assets | $702,230,000 | 949 |
| Average equity | $125,898,670 | 639 |
| Average total loans | $278,841,670 | 1,625 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 3,397 |
| Cost of funding earning assets | 0.8847% | 314 |
| Net interest margin | 3.0665% | 4,957 |
| Noninterest income to average assets | 0.5205% | 2,984 |
| Noninterest expense to average assets | 1.7707% | 5,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5627% | 763 |
| Return on assets (ROA) | 1.5622% | 798 |
| Pretax return on assets | 1.6144% | 1,258 |
| Return on Equity (ROE) | 9.3580% | 2,262 |
| Retained earnings to average equity (ytd only) | 9.3580% | 1,012 |
| Net charge-offs to loans | -0.1919% | 5,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2999% | 5,496 |
| Assets per employee ($millions) | 7.6906% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,422 |
| Loan loss allowance to noncurrent loans | 273.1780% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.2043% | 1,813 |
| Noncurrent loans to loans | 0.6121% | 3,339 |
| Net loans and leases to total assets | 36.0472% | 5,638 |
| Net loans and leases to deposits | 53.7915% | 5,112 |
| Net loans and leases to core deposits | 82.5092% | 3,087 |
| Total domestic deposits to total assets | 67.0129% | 5,949 |
| Equity capital to assets | 16.9515% | 421 |
| Core capital (leverage) ratio | 15.7462% | 506 |
| Tier 1 risk-based capital ratio | 23.7812% | 934 |
| Total risk-based capital ratio | 24.8167% | 952 |
| Memoranda: | ||
| Average total assets | $742,306,500 | 971 |
| Average earning assets | $693,554,000 | 957 |
| Average equity | $123,915,500 | 647 |
| Average total loans | $273,120,000 | 1,651 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 3,748 |
| Cost of funding earning assets | 0.9137% | 269 |
| Net interest margin | 2.9747% | 5,195 |
| Noninterest income to average assets | 2.7769% | 233 |
| Noninterest expense to average assets | 3.1307% | 2,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3021% | 206 |
| Return on assets (ROA) | 2.3287% | 202 |
| Pretax return on assets | 2.4070% | 241 |
| Return on Equity (ROE) | 15.4597% | 617 |
| Retained earnings to average equity (ytd only) | 14.0312% | 161 |
| Net charge-offs to loans | -0.0664% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5055% | 5,299 |
| Assets per employee ($millions) | 7.2414% | 806 |
| Cash dividends to net income (ytd only)* | 9.2400% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,531 |
| Loan loss allowance to noncurrent loans | 259.6143% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.2782% | 1,671 |
| Noncurrent loans to loans | 0.6273% | 3,301 |
| Net loans and leases to total assets | 36.3266% | 5,698 |
| Net loans and leases to deposits | 55.1900% | 5,098 |
| Net loans and leases to core deposits | 77.0644% | 3,662 |
| Total domestic deposits to total assets | 65.8209% | 6,019 |
| Equity capital to assets | 16.4325% | 473 |
| Core capital (leverage) ratio | 15.3331% | 564 |
| Tier 1 risk-based capital ratio | 22.6022% | 1,067 |
| Total risk-based capital ratio | 23.5904% | 1,085 |
| Memoranda: | ||
| Average total assets | $743,575,000 | 929 |
| Average earning assets | $683,261,600 | 933 |
| Average equity | $112,007,600 | 683 |
| Average total loans | $266,570,800 | 1,637 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,842 |
| Cost of funding earning assets | 0.9250% | 253 |
| Net interest margin | 2.9478% | 5,313 |
| Noninterest income to average assets | 2.5881% | 256 |
| Noninterest expense to average assets | 3.4071% | 1,468 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.8202% | 498 |
| Return on assets (ROA) | 1.8492% | 489 |
| Pretax return on assets | 1.9109% | 704 |
| Return on Equity (ROE) | 12.5590% | 1,228 |
| Retained earnings to average equity (ytd only) | 10.6138% | 533 |
| Net charge-offs to loans | -0.0815% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9992% | 4,248 |
| Assets per employee ($millions) | 4.2808% | 3,356 |
| Cash dividends to net income (ytd only)* | 15.4889% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6622% | 1,575 |
| Loan loss allowance to noncurrent loans | 237.8829% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.3035% | 1,790 |
| Noncurrent loans to loans | 0.6987% | 3,233 |
| Net loans and leases to total assets | 34.9612% | 5,820 |
| Net loans and leases to deposits | 54.2800% | 5,232 |
| Net loans and leases to core deposits | 74.2961% | 3,983 |
| Total domestic deposits to total assets | 64.4091% | 6,122 |
| Equity capital to assets | 15.1215% | 710 |
| Core capital (leverage) ratio | 14.3038% | 785 |
| Tier 1 risk-based capital ratio | 20.8163% | 1,381 |
| Total risk-based capital ratio | 21.7863% | 1,396 |
| Memoranda: | ||
| Average total assets | $744,813,250 | 935 |
| Average earning assets | $682,214,500 | 944 |
| Average equity | $109,666,000 | 701 |
| Average total loans | $265,024,000 | 1,658 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 3,789 |
| Cost of funding earning assets | 0.9341% | 243 |
| Net interest margin | 2.9392% | 5,363 |
| Noninterest income to average assets | 2.7760% | 236 |
| Noninterest expense to average assets | 3.5802% | 1,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8252% | 489 |
| Return on assets (ROA) | 1.8680% | 475 |
| Pretax return on assets | 1.9304% | 691 |
| Return on Equity (ROE) | 12.8028% | 1,156 |
| Retained earnings to average equity (ytd only) | 9.8524% | 692 |
| Net charge-offs to loans | -0.1315% | 5,882 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0261% | 4,188 |
| Assets per employee ($millions) | 4.2659% | 3,365 |
| Cash dividends to net income (ytd only)* | 23.0448% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6493% | 1,746 |
| Loan loss allowance to noncurrent loans | 226.5952% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 1.4675% | 1,691 |
| Noncurrent loans to loans | 0.7279% | 3,300 |
| Net loans and leases to total assets | 35.2561% | 5,852 |
| Net loans and leases to deposits | 54.0262% | 5,251 |
| Net loans and leases to core deposits | 71.9189% | 4,146 |
| Total domestic deposits to total assets | 65.2574% | 6,187 |
| Equity capital to assets | 14.4354% | 835 |
| Core capital (leverage) ratio | 13.8282% | 898 |
| Tier 1 risk-based capital ratio | 20.1537% | 1,518 |
| Total risk-based capital ratio | 21.1268% | 1,536 |
| Memoranda: | ||
| Average total assets | $743,371,670 | 934 |
| Average earning assets | $680,454,000 | 946 |
| Average equity | $108,461,000 | 712 |
| Average total loans | $264,587,000 | 1,661 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8382% | 3,865 |
| Cost of funding earning assets | 0.9425% | 232 |
| Net interest margin | 2.8958% | 5,464 |
| Noninterest income to average assets | 3.2491% | 202 |
| Noninterest expense to average assets | 3.6660% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1649% | 245 |
| Return on assets (ROA) | 2.1875% | 251 |
| Pretax return on assets | 2.2616% | 347 |
| Return on Equity (ROE) | 14.9122% | 722 |
| Retained earnings to average equity (ytd only) | 11.2257% | 681 |
| Net charge-offs to loans | -0.2409% | 6,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6596% | 4,851 |
| Assets per employee ($millions) | 4.3208% | 3,339 |
| Cash dividends to net income (ytd only)* | 24.7219% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,933 |
| Loan loss allowance to noncurrent loans | 218.3119% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.4891% | 1,766 |
| Noncurrent loans to loans | 0.7491% | 3,391 |
| Net loans and leases to total assets | 35.3854% | 5,854 |
| Net loans and leases to deposits | 54.8360% | 5,136 |
| Net loans and leases to core deposits | 70.5727% | 4,100 |
| Total domestic deposits to total assets | 64.5295% | 6,268 |
| Equity capital to assets | 14.7604% | 757 |
| Core capital (leverage) ratio | 13.7512% | 894 |
| Tier 1 risk-based capital ratio | 19.3674% | 1,770 |
| Total risk-based capital ratio | 20.3207% | 1,807 |
| Memoranda: | ||
| Average total assets | $739,660,500 | 941 |
| Average earning assets | $678,231,500 | 946 |
| Average equity | $108,501,500 | 709 |
| Average total loans | $262,310,500 | 1,671 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 4,259 |
| Cost of funding earning assets | 1.0523% | 181 |
| Net interest margin | 2.8151% | 5,781 |
| Noninterest income to average assets | 1.7575% | 412 |
| Noninterest expense to average assets | 3.1481% | 2,368 |
| Loan and lease loss provision to assets | -0.2824% | 6,358 |
| Net operating income to assets | 1.4256% | 1,029 |
| Return on assets (ROA) | 1.5816% | 770 |
| Pretax return on assets | 1.6347% | 1,139 |
| Return on Equity (ROE) | 11.5125% | 1,550 |
| Retained earnings to average equity (ytd only) | 9.0460% | 696 |
| Net charge-offs to loans | -0.3630% | 6,357 |
| Credit loss provision to net charge-offs | 238.0952% | 1,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9254% | 3,220 |
| Assets per employee ($millions) | 4.3048% | 3,357 |
| Cash dividends to net income (ytd only)* | 21.4247% | 3,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 1,829 |
| Loan loss allowance to noncurrent loans | 369.2641% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.5522% | 1,741 |
| Noncurrent loans to loans | 0.4544% | 4,288 |
| Net loans and leases to total assets | 34.3503% | 6,022 |
| Net loans and leases to deposits | 51.5302% | 5,511 |
| Net loans and leases to core deposits | 66.2162% | 4,654 |
| Total domestic deposits to total assets | 66.6604% | 6,309 |
| Equity capital to assets | 14.5747% | 791 |
| Core capital (leverage) ratio | 13.4295% | 993 |
| Tier 1 risk-based capital ratio | 20.5142% | 1,508 |
| Total risk-based capital ratio | 21.5219% | 1,513 |
| Memoranda: | ||
| Average total assets | $708,272,800 | 946 |
| Average earning assets | $649,648,800 | 947 |
| Average equity | $97,303,000 | 755 |
| Average total loans | $231,416,400 | 1,816 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,333 |
| Cost of funding earning assets | 1.0673% | 177 |
| Net interest margin | 2.7914% | 5,882 |
| Noninterest income to average assets | 1.8100% | 403 |
| Noninterest expense to average assets | 3.1021% | 2,464 |
| Loan and lease loss provision to assets | -0.3791% | 6,501 |
| Net operating income to assets | 1.5936% | 765 |
| Return on assets (ROA) | 1.7547% | 574 |
| Pretax return on assets | 1.8138% | 868 |
| Return on Equity (ROE) | 12.9769% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.6128% | 804 |
| Net charge-offs to loans | -0.5044% | 6,460 |
| Credit loss provision to net charge-offs | 234.1920% | 1,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3569% | 3,447 |
| Assets per employee ($millions) | 4.3554% | 3,200 |
| Cash dividends to net income (ytd only)* | 25.9235% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7799% | 1,734 |
| Loan loss allowance to noncurrent loans | 342.0464% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 2,059 |
| Noncurrent loans to loans | 0.5204% | 4,376 |
| Net loans and leases to total assets | 32.8576% | 6,157 |
| Net loans and leases to deposits | 48.8511% | 5,711 |
| Net loans and leases to core deposits | 68.1237% | 4,500 |
| Total domestic deposits to total assets | 67.2608% | 6,371 |
| Equity capital to assets | 14.2826% | 920 |
| Core capital (leverage) ratio | 13.4700% | 1,009 |
| Tier 1 risk-based capital ratio | 20.7321% | 1,505 |
| Total risk-based capital ratio | 21.7748% | 1,513 |
| Memoranda: | ||
| Average total assets | $703,464,750 | 961 |
| Average earning assets | $645,357,000 | 961 |
| Average equity | $95,120,750 | 773 |
| Average total loans | $225,729,250 | 1,865 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 4,358 |
| Cost of funding earning assets | 1.0811% | 164 |
| Net interest margin | 2.7614% | 5,972 |
| Noninterest income to average assets | 1.6861% | 455 |
| Noninterest expense to average assets | 3.0006% | 2,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1786% | 1,661 |
| Return on assets (ROA) | 1.3130% | 1,320 |
| Pretax return on assets | 1.3565% | 2,053 |
| Return on Equity (ROE) | 9.9013% | 2,194 |
| Retained earnings to average equity (ytd only) | 7.3099% | 1,609 |
| Net charge-offs to loans | -0.7481% | 6,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4840% | 3,578 |
| Assets per employee ($millions) | 4.2021% | 3,457 |
| Cash dividends to net income (ytd only)* | 26.1723% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6746% | 550 |
| Loan loss allowance to noncurrent loans | 492.9811% | 942 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 2,212 |
| Noncurrent loans to loans | 0.5425% | 4,381 |
| Net loans and leases to total assets | 32.0305% | 6,239 |
| Net loans and leases to deposits | 47.0585% | 5,823 |
| Net loans and leases to core deposits | 60.2575% | 5,116 |
| Total domestic deposits to total assets | 68.0651% | 6,423 |
| Equity capital to assets | 13.7123% | 1,077 |
| Core capital (leverage) ratio | 13.1434% | 1,110 |
| Tier 1 risk-based capital ratio | 20.4214% | 1,585 |
| Total risk-based capital ratio | 21.8140% | 1,524 |
| Memoranda: | ||
| Average total assets | $698,403,330 | 967 |
| Average earning assets | $640,481,000 | 966 |
| Average equity | $92,613,670 | 790 |
| Average total loans | $220,835,670 | 1,900 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,462 |
| Cost of funding earning assets | 1.1017% | 161 |
| Net interest margin | 2.7052% | 6,105 |
| Noninterest income to average assets | 1.3932% | 598 |
| Noninterest expense to average assets | 2.8262% | 3,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0127% | 2,160 |
| Return on assets (ROA) | 1.0732% | 1,987 |
| Pretax return on assets | 1.1084% | 2,868 |
| Return on Equity (ROE) | 8.2366% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2366% | 1,516 |
| Net charge-offs to loans | -1.4627% | 6,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2852% | 3,434 |
| Assets per employee ($millions) | 4.0409% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8953% | 489 |
| Loan loss allowance to noncurrent loans | 451.8923% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 1,777 |
| Noncurrent loans to loans | 0.6407% | 4,260 |
| Net loans and leases to total assets | 29.9618% | 6,357 |
| Net loans and leases to deposits | 43.5024% | 5,997 |
| Net loans and leases to core deposits | 54.8611% | 5,446 |
| Total domestic deposits to total assets | 68.8738% | 6,489 |
| Equity capital to assets | 13.4037% | 1,138 |
| Core capital (leverage) ratio | 13.0909% | 1,126 |
| Tier 1 risk-based capital ratio | 21.3808% | 1,403 |
| Total risk-based capital ratio | 22.8342% | 1,338 |
| Memoranda: | ||
| Average total assets | $692,529,000 | 982 |
| Average earning assets | $634,631,000 | 980 |
| Average equity | $90,231,500 | 813 |
| Average total loans | $214,395,500 | 1,945 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 4,376 |
| Cost of funding earning assets | 1.2663% | 128 |
| Net interest margin | 2.6561% | 6,197 |
| Noninterest income to average assets | 3.9183% | 169 |
| Noninterest expense to average assets | 4.5252% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.7514% | 528 |
| Return on assets (ROA) | 1.7537% | 542 |
| Pretax return on assets | 1.8324% | 694 |
| Return on Equity (ROE) | 13.2146% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.2527% | 722 |
| Net charge-offs to loans | -0.0781% | 6,427 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7552% | 3,711 |
| Assets per employee ($millions) | 3.8335% | 4,192 |
| Cash dividends to net income (ytd only)* | 29.9812% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5310% | 798 |
| Loan loss allowance to noncurrent loans | 169.5313% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 1.8795% | 1,938 |
| Noncurrent loans to loans | 1.4930% | 2,652 |
| Net loans and leases to total assets | 30.2761% | 6,453 |
| Net loans and leases to deposits | 43.5692% | 6,144 |
| Net loans and leases to core deposits | 53.9359% | 5,675 |
| Total domestic deposits to total assets | 69.4897% | 6,541 |
| Equity capital to assets | 12.6521% | 1,445 |
| Core capital (leverage) ratio | 13.1399% | 1,086 |
| Tier 1 risk-based capital ratio | 21.0552% | 1,407 |
| Total risk-based capital ratio | 22.5036% | 1,355 |
| Memoranda: | ||
| Average total assets | $665,675,200 | 1,002 |
| Average earning assets | $610,739,600 | 1,004 |
| Average equity | $88,341,600 | 796 |
| Average total loans | $229,316,600 | 1,790 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9428% | 4,340 |
| Cost of funding earning assets | 1.2868% | 131 |
| Net interest margin | 2.6560% | 6,240 |
| Noninterest income to average assets | 4.0802% | 172 |
| Noninterest expense to average assets | 4.3216% | 616 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1007% | 303 |
| Return on assets (ROA) | 2.1124% | 311 |
| Pretax return on assets | 2.2074% | 376 |
| Return on Equity (ROE) | 15.7255% | 677 |
| Retained earnings to average equity (ytd only) | 13.0168% | 331 |
| Net charge-offs to loans | -0.0955% | 6,487 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8736% | 4,509 |
| Assets per employee ($millions) | 3.2283% | 5,434 |
| Cash dividends to net income (ytd only)* | 17.2249% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5956% | 835 |
| Loan loss allowance to noncurrent loans | 160.5755% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 2.4622% | 1,570 |
| Noncurrent loans to loans | 1.6164% | 2,751 |
| Net loans and leases to total assets | 30.6939% | 6,508 |
| Net loans and leases to deposits | 46.4981% | 6,065 |
| Net loans and leases to core deposits | 54.3569% | 5,737 |
| Total domestic deposits to total assets | 66.0111% | 6,707 |
| Equity capital to assets | 13.3313% | 1,191 |
| Core capital (leverage) ratio | 13.6695% | 961 |
| Tier 1 risk-based capital ratio | 21.1753% | 1,463 |
| Total risk-based capital ratio | 22.5880% | 1,396 |
| Memoranda: | ||
| Average total assets | $659,587,500 | 1,014 |
| Average earning assets | $605,109,750 | 1,020 |
| Average equity | $88,601,250 | 801 |
| Average total loans | $233,061,250 | 1,765 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 4,213 |
| Cost of funding earning assets | 1.3039% | 138 |
| Net interest margin | 2.6686% | 6,233 |
| Noninterest income to average assets | 5.2628% | 142 |
| Noninterest expense to average assets | 4.9805% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.6048% | 152 |
| Return on assets (ROA) | 2.6179% | 162 |
| Pretax return on assets | 2.7363% | 199 |
| Return on Equity (ROE) | 19.4396% | 351 |
| Retained earnings to average equity (ytd only) | 16.5093% | 176 |
| Net charge-offs to loans | -0.1070% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2812% | 4,834 |
| Assets per employee ($millions) | 2.5068% | 6,493 |
| Cash dividends to net income (ytd only)* | 15.0742% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2642% | 1,312 |
| Loan loss allowance to noncurrent loans | 150.3076% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 1,571 |
| Noncurrent loans to loans | 1.5064% | 3,040 |
| Net loans and leases to total assets | 35.4613% | 6,332 |
| Net loans and leases to deposits | 51.9840% | 5,688 |
| Net loans and leases to core deposits | 58.1907% | 5,405 |
| Total domestic deposits to total assets | 68.2158% | 6,712 |
| Equity capital to assets | 13.3648% | 1,195 |
| Core capital (leverage) ratio | 13.5829% | 945 |
| Tier 1 risk-based capital ratio | 20.9519% | 1,503 |
| Total risk-based capital ratio | 22.3566% | 1,440 |
| Memoranda: | ||
| Average total assets | $658,849,330 | 1,018 |
| Average earning assets | $602,483,670 | 1,026 |
| Average equity | $88,726,000 | 799 |
| Average total loans | $241,233,000 | 1,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9692% | 4,238 |
| Cost of funding earning assets | 1.3319% | 137 |
| Net interest margin | 2.6373% | 6,319 |
| Noninterest income to average assets | 5.1529% | 143 |
| Noninterest expense to average assets | 4.9986% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4529% | 168 |
| Return on assets (ROA) | 2.4709% | 174 |
| Pretax return on assets | 2.5822% | 239 |
| Return on Equity (ROE) | 18.2794% | 415 |
| Retained earnings to average equity (ytd only) | 18.2794% | 187 |
| Net charge-offs to loans | -0.1431% | 6,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7253% | 4,708 |
| Assets per employee ($millions) | 2.4432% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,411 |
| Loan loss allowance to noncurrent loans | 150.5222% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 2.7618% | 1,644 |
| Noncurrent loans to loans | 1.5270% | 3,256 |
| Net loans and leases to total assets | 34.7505% | 6,376 |
| Net loans and leases to deposits | 51.6259% | 5,657 |
| Net loans and leases to core deposits | 57.5751% | 5,374 |
| Total domestic deposits to total assets | 67.3121% | 6,823 |
| Equity capital to assets | 13.9641% | 1,040 |
| Core capital (leverage) ratio | 13.1297% | 1,065 |
| Tier 1 risk-based capital ratio | 19.8966% | 1,802 |
| Total risk-based capital ratio | 21.2950% | 1,732 |
| Memoranda: | ||
| Average total assets | $661,141,500 | 1,022 |
| Average earning assets | $603,954,000 | 1,033 |
| Average equity | $89,368,500 | 799 |
| Average total loans | $243,156,500 | 1,712 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 3,764 |
| Cost of funding earning assets | 1.4813% | 178 |
| Net interest margin | 2.9309% | 6,173 |
| Noninterest income to average assets | 6.2987% | 110 |
| Noninterest expense to average assets | 6.3332% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.5289% | 147 |
| Return on assets (ROA) | 2.5752% | 154 |
| Pretax return on assets | 2.6891% | 199 |
| Return on Equity (ROE) | 19.5341% | 322 |
| Retained earnings to average equity (ytd only) | 6.8951% | 1,617 |
| Net charge-offs to loans | 0.8288% | 1,401 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.2008% | 2,455 |
| Efficiency ratio | 69.1692% | 3,946 |
| Assets per employee ($millions) | 2.6480% | 6,484 |
| Cash dividends to net income (ytd only)* | 64.7021% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0630% | 1,852 |
| Loan loss allowance to noncurrent loans | 68.7009% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 3.4975% | 1,297 |
| Noncurrent loans to loans | 3.0029% | 1,734 |
| Net loans and leases to total assets | 37.1737% | 6,359 |
| Net loans and leases to deposits | 55.3820% | 5,501 |
| Net loans and leases to core deposits | 62.6798% | 5,092 |
| Total domestic deposits to total assets | 67.1223% | 6,877 |
| Equity capital to assets | 13.0823% | 1,400 |
| Core capital (leverage) ratio | 12.2642% | 1,419 |
| Tier 1 risk-based capital ratio | 19.0258% | 1,949 |
| Total risk-based capital ratio | 20.4153% | 1,888 |
| Memoranda: | ||
| Average total assets | $660,186,800 | 997 |
| Average earning assets | $602,656,400 | 996 |
| Average equity | $87,032,400 | 794 |
| Average total loans | $256,529,000 | 1,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,738 |
| Cost of funding earning assets | 1.5060% | 195 |
| Net interest margin | 2.9675% | 6,239 |
| Noninterest income to average assets | 6.1791% | 110 |
| Noninterest expense to average assets | 5.9772% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.7892% | 128 |
| Return on assets (ROA) | 2.8517% | 124 |
| Pretax return on assets | 2.9798% | 158 |
| Return on Equity (ROE) | 21.5895% | 259 |
| Retained earnings to average equity (ytd only) | 21.5895% | 69 |
| Net charge-offs to loans | 1.0134% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 7.3587% | 2,613 |
| Efficiency ratio | 66.7989% | 4,288 |
| Assets per employee ($millions) | 2.7053% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 1,621 |
| Loan loss allowance to noncurrent loans | 77.3227% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 3.4199% | 1,475 |
| Noncurrent loans to loans | 2.9015% | 1,926 |
| Net loans and leases to total assets | 35.7631% | 6,565 |
| Net loans and leases to deposits | 53.7597% | 5,824 |
| Net loans and leases to core deposits | 60.7349% | 5,483 |
| Total domestic deposits to total assets | 66.5240% | 6,966 |
| Equity capital to assets | 14.6043% | 939 |
| Core capital (leverage) ratio | 13.5508% | 997 |
| Tier 1 risk-based capital ratio | 21.9976% | 1,331 |
| Total risk-based capital ratio | 23.4749% | 1,275 |
| Memoranda: | ||
| Average total assets | $657,747,500 | 1,007 |
| Average earning assets | $601,307,250 | 1,005 |
| Average equity | $86,879,500 | 799 |
| Average total loans | $257,089,000 | 1,622 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 3,410 |
| Cost of funding earning assets | 1.5241% | 217 |
| Net interest margin | 3.0659% | 6,083 |
| Noninterest income to average assets | 5.6679% | 123 |
| Noninterest expense to average assets | 5.5267% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.8217% | 120 |
| Return on assets (ROA) | 2.8129% | 130 |
| Pretax return on assets | 2.9393% | 165 |
| Return on Equity (ROE) | 22.0776% | 247 |
| Retained earnings to average equity (ytd only) | 22.0776% | 72 |
| Net charge-offs to loans | 1.3626% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.4197% | 2,842 |
| Efficiency ratio | 64.7653% | 4,751 |
| Assets per employee ($millions) | 3.0057% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 1,918 |
| Loan loss allowance to noncurrent loans | 57.9537% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 3.5926% | 1,468 |
| Noncurrent loans to loans | 3.6850% | 1,542 |
| Net loans and leases to total assets | 39.0603% | 6,399 |
| Net loans and leases to deposits | 57.2801% | 5,527 |
| Net loans and leases to core deposits | 66.1034% | 4,993 |
| Total domestic deposits to total assets | 68.1918% | 6,990 |
| Equity capital to assets | 13.7354% | 1,203 |
| Core capital (leverage) ratio | 12.7311% | 1,242 |
| Tier 1 risk-based capital ratio | 19.9699% | 1,709 |
| Total risk-based capital ratio | 21.3726% | 1,650 |
| Memoranda: | ||
| Average total assets | $656,961,670 | 1,005 |
| Average earning assets | $601,524,000 | 1,005 |
| Average equity | $83,704,670 | 829 |
| Average total loans | $262,288,000 | 1,590 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5933% | 3,538 |
| Cost of funding earning assets | 1.5550% | 228 |
| Net interest margin | 3.0383% | 6,216 |
| Noninterest income to average assets | 5.2385% | 131 |
| Noninterest expense to average assets | 5.0293% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.8619% | 116 |
| Return on assets (ROA) | 2.8403% | 143 |
| Pretax return on assets | 2.9680% | 191 |
| Return on Equity (ROE) | 23.1934% | 239 |
| Retained earnings to average equity (ytd only) | 23.1934% | 121 |
| Net charge-offs to loans | 0.0289% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 258.8421% | 137 |
| Efficiency ratio | 62.2413% | 5,231 |
| Assets per employee ($millions) | 3.3172% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7479% | 1,057 |
| Loan loss allowance to noncurrent loans | 68.4637% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.3018% | 1,746 |
| Noncurrent loans to loans | 4.0136% | 1,522 |
| Net loans and leases to total assets | 39.0299% | 6,425 |
| Net loans and leases to deposits | 57.1334% | 5,474 |
| Net loans and leases to core deposits | 65.9599% | 4,915 |
| Total domestic deposits to total assets | 68.3137% | 7,043 |
| Equity capital to assets | 12.5352% | 1,704 |
| Core capital (leverage) ratio | 12.0326% | 1,567 |
| Tier 1 risk-based capital ratio | 18.6126% | 2,106 |
| Total risk-based capital ratio | 20.0069% | 2,034 |
| Memoranda: | ||
| Average total assets | $657,826,000 | 1,004 |
| Average earning assets | $602,178,000 | 999 |
| Average equity | $80,557,500 | 858 |
| Average total loans | $262,671,500 | 1,595 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 4,328 |
| Cost of funding earning assets | 1.7778% | 233 |
| Net interest margin | 2.9026% | 6,685 |
| Noninterest income to average assets | 2.6892% | 241 |
| Noninterest expense to average assets | 4.8553% | 433 |
| Loan and lease loss provision to assets | 0.2008% | 4,175 |
| Net operating income to assets | 0.2822% | 5,318 |
| Return on assets (ROA) | 0.2808% | 5,480 |
| Pretax return on assets | 0.2901% | 5,588 |
| Return on Equity (ROE) | 2.5032% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.5032% | 4,447 |
| Net charge-offs to loans | 0.8788% | 1,981 |
| Credit loss provision to net charge-offs | 55.7229% | 5,276 |
| Earnings coverage of net charge-offs (x) | 1.3662% | 4,746 |
| Efficiency ratio | 89.4079% | 1,234 |
| Assets per employee ($millions) | 3.3106% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8601% | 921 |
| Loan loss allowance to noncurrent loans | 66.1463% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 3.4746% | 1,709 |
| Noncurrent loans to loans | 4.3239% | 1,404 |
| Net loans and leases to total assets | 38.5861% | 6,625 |
| Net loans and leases to deposits | 55.1305% | 5,968 |
| Net loans and leases to core deposits | 65.1031% | 5,352 |
| Total domestic deposits to total assets | 69.9905% | 6,990 |
| Equity capital to assets | 11.9489% | 2,165 |
| Core capital (leverage) ratio | 11.4838% | 1,901 |
| Tier 1 risk-based capital ratio | 17.6796% | 2,307 |
| Total risk-based capital ratio | 19.0799% | 2,228 |
| Memoranda: | ||
| Average total assets | $644,921,200 | 1,004 |
| Average earning assets | $590,667,200 | 998 |
| Average equity | $72,347,400 | 934 |
| Average total loans | $264,437,000 | 1,591 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 4,479 |
| Cost of funding earning assets | 1.8130% | 246 |
| Net interest margin | 2.8840% | 6,774 |
| Noninterest income to average assets | 2.0289% | 374 |
| Noninterest expense to average assets | 4.5820% | 536 |
| Loan and lease loss provision to assets | 0.1957% | 4,065 |
| Net operating income to assets | -0.0991% | 6,285 |
| Return on assets (ROA) | -0.1008% | 6,370 |
| Pretax return on assets | -0.1077% | 6,341 |
| Return on Equity (ROE) | -0.9139% | 6,371 |
| Retained earnings to average equity (ytd only) | -0.9139% | 6,143 |
| Net charge-offs to loans | 0.9209% | 1,743 |
| Credit loss provision to net charge-offs | 51.4146% | 5,004 |
| Earnings coverage of net charge-offs (x) | 0.2361% | 5,420 |
| Efficiency ratio | 96.2283% | 807 |
| Assets per employee ($millions) | 3.4201% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9362% | 910 |
| Loan loss allowance to noncurrent loans | 54.3867% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.1411% | 1,478 |
| Noncurrent loans to loans | 5.3987% | 1,108 |
| Net loans and leases to total assets | 39.4349% | 6,676 |
| Net loans and leases to deposits | 56.9268% | 5,943 |
| Net loans and leases to core deposits | 67.9494% | 5,187 |
| Total domestic deposits to total assets | 69.2730% | 7,073 |
| Equity capital to assets | 11.9622% | 2,282 |
| Core capital (leverage) ratio | 11.1196% | 2,297 |
| Tier 1 risk-based capital ratio | 17.3988% | 2,487 |
| Total risk-based capital ratio | 18.7976% | 2,399 |
| Memoranda: | ||
| Average total assets | $643,929,750 | 1,009 |
| Average earning assets | $590,093,000 | 1,005 |
| Average equity | $71,050,500 | 956 |
| Average total loans | $266,108,250 | 1,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 4,563 |
| Cost of funding earning assets | 1.8325% | 278 |
| Net interest margin | 2.8591% | 6,850 |
| Noninterest income to average assets | 1.4124% | 640 |
| Noninterest expense to average assets | 4.3320% | 718 |
| Loan and lease loss provision to assets | 0.1372% | 4,592 |
| Net operating income to assets | -0.4181% | 6,624 |
| Return on assets (ROA) | -0.4208% | 6,655 |
| Pretax return on assets | -0.4420% | 6,618 |
| Return on Equity (ROE) | -3.9201% | 6,643 |
| Retained earnings to average equity (ytd only) | -3.9201% | 6,466 |
| Net charge-offs to loans | 0.7404% | 2,023 |
| Credit loss provision to net charge-offs | 44.5892% | 4,714 |
| Earnings coverage of net charge-offs (x) | -0.9820% | 5,627 |
| Efficiency ratio | 106.2266% | 554 |
| Assets per employee ($millions) | 3.2393% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0880% | 824 |
| Loan loss allowance to noncurrent loans | 52.3514% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 4.2483% | 1,497 |
| Noncurrent loans to loans | 5.8986% | 1,027 |
| Net loans and leases to total assets | 38.5961% | 6,829 |
| Net loans and leases to deposits | 54.4131% | 6,279 |
| Net loans and leases to core deposits | 65.4468% | 5,569 |
| Total domestic deposits to total assets | 70.9316% | 7,063 |
| Equity capital to assets | 10.9069% | 3,055 |
| Core capital (leverage) ratio | 10.8416% | 2,377 |
| Tier 1 risk-based capital ratio | 16.9366% | 2,552 |
| Total risk-based capital ratio | 18.3225% | 2,464 |
| Memoranda: | ||
| Average total assets | $648,804,330 | 1,015 |
| Average earning assets | $593,954,000 | 1,007 |
| Average equity | $69,641,000 | 973 |
| Average total loans | $269,586,670 | 1,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6885% | 4,572 |
| Cost of funding earning assets | 1.8501% | 314 |
| Net interest margin | 2.8384% | 6,850 |
| Noninterest income to average assets | 1.4260% | 631 |
| Noninterest expense to average assets | 4.5495% | 568 |
| Loan and lease loss provision to assets | 0.2568% | 3,087 |
| Net operating income to assets | -0.7483% | 6,935 |
| Return on assets (ROA) | -0.7564% | 6,948 |
| Pretax return on assets | -0.7931% | 6,918 |
| Return on Equity (ROE) | -7.1030% | 6,919 |
| Retained earnings to average equity (ytd only) | -7.1030% | 6,685 |
| Net charge-offs to loans | 0.3159% | 2,786 |
| Credit loss provision to net charge-offs | 191.7808% | 1,543 |
| Earnings coverage of net charge-offs (x) | -3.9406% | 5,008 |
| Efficiency ratio | 112.4981% | 451 |
| Assets per employee ($millions) | 3.2444% | 5,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3796% | 671 |
| Loan loss allowance to noncurrent loans | 52.3586% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 4.7920% | 1,329 |
| Noncurrent loans to loans | 6.4547% | 931 |
| Net loans and leases to total assets | 38.2822% | 6,886 |
| Net loans and leases to deposits | 54.1087% | 6,285 |
| Net loans and leases to core deposits | 65.2572% | 5,592 |
| Total domestic deposits to total assets | 70.7505% | 7,145 |
| Equity capital to assets | 10.9315% | 2,754 |
| Core capital (leverage) ratio | 10.6025% | 2,506 |
| Tier 1 risk-based capital ratio | 16.5567% | 2,640 |
| Total risk-based capital ratio | 17.9174% | 2,573 |
| Memoranda: | ||
| Average total assets | $654,138,000 | 1,016 |
| Average earning assets | $598,227,000 | 1,003 |
| Average equity | $69,661,000 | 967 |
| Average total loans | $277,308,000 | 1,579 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 4,679 |
| Cost of funding earning assets | 1.9631% | 690 |
| Net interest margin | 3.0103% | 6,715 |
| Noninterest income to average assets | 3.5051% | 193 |
| Noninterest expense to average assets | 4.5575% | 617 |
| Loan and lease loss provision to assets | 1.6079% | 896 |
| Net operating income to assets | 0.1025% | 5,579 |
| Return on assets (ROA) | 0.0079% | 5,950 |
| Pretax return on assets | 0.0051% | 5,888 |
| Return on Equity (ROE) | 0.0749% | 5,949 |
| Retained earnings to average equity (ytd only) | 0.0749% | 5,550 |
| Net charge-offs to loans | 3.2080% | 490 |
| Credit loss provision to net charge-offs | 109.0872% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.1585% | 4,949 |
| Efficiency ratio | 72.5584% | 3,693 |
| Assets per employee ($millions) | 3.2324% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7995% | 1,054 |
| Loan loss allowance to noncurrent loans | 54.6940% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.9203% | 1,308 |
| Noncurrent loans to loans | 5.1185% | 1,298 |
| Net loans and leases to total assets | 43.8052% | 6,730 |
| Net loans and leases to deposits | 61.4522% | 5,900 |
| Net loans and leases to core deposits | 75.8141% | 4,750 |
| Total domestic deposits to total assets | 71.2833% | 7,149 |
| Equity capital to assets | 10.3770% | 3,299 |
| Core capital (leverage) ratio | 10.5061% | 2,549 |
| Tier 1 risk-based capital ratio | 15.6726% | 2,909 |
| Total risk-based capital ratio | 17.0292% | 2,817 |
| Memoranda: | ||
| Average total assets | $667,454,000 | 996 |
| Average earning assets | $611,938,400 | 992 |
| Average equity | $70,730,000 | 953 |
| Average total loans | $306,666,400 | 1,460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0062% | 4,787 |
| Cost of funding earning assets | 1.9724% | 821 |
| Net interest margin | 3.0338% | 6,762 |
| Noninterest income to average assets | 2.6798% | 253 |
| Noninterest expense to average assets | 3.8734% | 1,235 |
| Loan and lease loss provision to assets | 1.7832% | 703 |
| Net operating income to assets | -0.1793% | 6,294 |
| Return on assets (ROA) | -0.2761% | 6,457 |
| Pretax return on assets | -0.2939% | 6,405 |
| Return on Equity (ROE) | -2.5921% | 6,459 |
| Retained earnings to average equity (ytd only) | -2.5921% | 6,299 |
| Net charge-offs to loans | 3.0462% | 502 |
| Credit loss provision to net charge-offs | 126.8030% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.1323% | 4,920 |
| Efficiency ratio | 70.7101% | 3,936 |
| Assets per employee ($millions) | 3.3893% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1196% | 754 |
| Loan loss allowance to noncurrent loans | 73.3812% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 4.7493% | 1,387 |
| Noncurrent loans to loans | 4.2512% | 1,714 |
| Net loans and leases to total assets | 43.6972% | 6,865 |
| Net loans and leases to deposits | 62.0659% | 6,109 |
| Net loans and leases to core deposits | 79.7525% | 4,556 |
| Total domestic deposits to total assets | 70.4045% | 7,252 |
| Equity capital to assets | 11.2804% | 2,718 |
| Core capital (leverage) ratio | 10.2725% | 2,954 |
| Tier 1 risk-based capital ratio | 15.0559% | 3,227 |
| Total risk-based capital ratio | 16.4616% | 3,117 |
| Memoranda: | ||
| Average total assets | $667,848,750 | 1,000 |
| Average earning assets | $613,306,750 | 995 |
| Average equity | $71,138,000 | 948 |
| Average total loans | $308,310,750 | 1,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 4,722 |
| Cost of funding earning assets | 1.9724% | 977 |
| Net interest margin | 3.0735% | 6,670 |
| Noninterest income to average assets | 2.3575% | 285 |
| Noninterest expense to average assets | 3.6562% | 1,654 |
| Loan and lease loss provision to assets | 2.2464% | 527 |
| Net operating income to assets | -0.6780% | 6,792 |
| Return on assets (ROA) | -0.7983% | 6,877 |
| Pretax return on assets | -0.8399% | 6,808 |
| Return on Equity (ROE) | -7.6451% | 6,869 |
| Retained earnings to average equity (ytd only) | -7.6451% | 6,786 |
| Net charge-offs to loans | 4.1893% | 298 |
| Credit loss provision to net charge-offs | 115.2735% | 3,525 |
| Earnings coverage of net charge-offs (x) | 0.7867% | 4,977 |
| Efficiency ratio | 70.2885% | 4,132 |
| Assets per employee ($millions) | 4.1405% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8536% | 954 |
| Loan loss allowance to noncurrent loans | 96.5145% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 4.1130% | 1,655 |
| Noncurrent loans to loans | 2.9567% | 2,711 |
| Net loans and leases to total assets | 43.6846% | 6,949 |
| Net loans and leases to deposits | 62.7837% | 6,159 |
| Net loans and leases to core deposits | 85.1530% | 3,964 |
| Total domestic deposits to total assets | 69.5795% | 7,353 |
| Equity capital to assets | 10.3171% | 3,628 |
| Core capital (leverage) ratio | 9.6391% | 3,625 |
| Tier 1 risk-based capital ratio | 14.2412% | 3,579 |
| Total risk-based capital ratio | 15.5968% | 3,486 |
| Memoranda: | ||
| Average total assets | $667,899,330 | 1,013 |
| Average earning assets | $615,388,330 | 998 |
| Average equity | $69,744,330 | 957 |
| Average total loans | $310,694,330 | 1,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 4,776 |
| Cost of funding earning assets | 1.9725% | 1,181 |
| Net interest margin | 3.0795% | 6,646 |
| Noninterest income to average assets | 1.8300% | 385 |
| Noninterest expense to average assets | 3.2424% | 2,725 |
| Loan and lease loss provision to assets | 1.0444% | 1,182 |
| Net operating income to assets | 0.3801% | 4,926 |
| Return on assets (ROA) | 0.2428% | 5,649 |
| Pretax return on assets | 0.2487% | 5,747 |
| Return on Equity (ROE) | 2.3111% | 5,625 |
| Retained earnings to average equity (ytd only) | 2.3111% | 4,747 |
| Net charge-offs to loans | 2.4182% | 689 |
| Credit loss provision to net charge-offs | 91.3406% | 3,637 |
| Earnings coverage of net charge-offs (x) | 1.2535% | 4,001 |
| Efficiency ratio | 69.1670% | 4,480 |
| Assets per employee ($millions) | 4.6383% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3671% | 1,466 |
| Loan loss allowance to noncurrent loans | 63.3719% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 3.8598% | 1,792 |
| Noncurrent loans to loans | 3.7353% | 2,133 |
| Net loans and leases to total assets | 45.3323% | 6,888 |
| Net loans and leases to deposits | 63.7669% | 6,075 |
| Net loans and leases to core deposits | 76.2703% | 5,220 |
| Total domestic deposits to total assets | 71.0907% | 7,336 |
| Equity capital to assets | 10.6351% | 3,114 |
| Core capital (leverage) ratio | 9.8904% | 3,295 |
| Tier 1 risk-based capital ratio | 14.3516% | 3,464 |
| Total risk-based capital ratio | 15.7036% | 3,375 |
| Memoranda: | ||
| Average total assets | $670,608,500 | 1,030 |
| Average earning assets | $619,717,000 | 1,011 |
| Average equity | $70,442,000 | 946 |
| Average total loans | $317,090,000 | 1,488 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 4,162 |
| Cost of funding earning assets | 2.2895% | 1,699 |
| Net interest margin | 3.2066% | 6,066 |
| Noninterest income to average assets | 2.0450% | 360 |
| Noninterest expense to average assets | 3.0833% | 3,821 |
| Loan and lease loss provision to assets | 1.9689% | 1,107 |
| Net operating income to assets | -0.0104% | 5,505 |
| Return on assets (ROA) | -0.0728% | 5,650 |
| Pretax return on assets | -0.0831% | 5,577 |
| Return on Equity (ROE) | -0.7719% | 5,666 |
| Retained earnings to average equity (ytd only) | -2.1904% | 5,556 |
| Net charge-offs to loans | 3.7683% | 477 |
| Credit loss provision to net charge-offs | 109.0400% | 5,065 |
| Earnings coverage of net charge-offs (x) | 1.0837% | 5,029 |
| Efficiency ratio | 61.0003% | 6,330 |
| Assets per employee ($millions) | 4.6117% | 2,743 |
| Cash dividends to net income (ytd only)* | -183.7607% | 7,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 1,455 |
| Loan loss allowance to noncurrent loans | 54.6162% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 3.6703% | 1,815 |
| Noncurrent loans to loans | 4.2415% | 1,713 |
| Net loans and leases to total assets | 47.0147% | 6,898 |
| Net loans and leases to deposits | 67.4629% | 5,894 |
| Net loans and leases to core deposits | 88.3251% | 5,294 |
| Total domestic deposits to total assets | 69.6897% | 7,449 |
| Equity capital to assets | 10.3743% | 3,318 |
| Core capital (leverage) ratio | 10.1356% | 2,965 |
| Tier 1 risk-based capital ratio | 14.1603% | 3,400 |
| Total risk-based capital ratio | 15.5022% | 3,299 |
| Memoranda: | ||
| Average total assets | $642,648,400 | 1,076 |
| Average earning assets | $600,265,600 | 1,040 |
| Average equity | $60,628,000 | 1,095 |
| Average total loans | $307,935,800 | 1,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6074% | 3,821 |
| Cost of funding earning assets | 2.3483% | 1,814 |
| Net interest margin | 3.2591% | 5,792 |
| Noninterest income to average assets | 1.8066% | 451 |
| Noninterest expense to average assets | 2.9461% | 4,249 |
| Loan and lease loss provision to assets | 2.4370% | 688 |
| Net operating income to assets | -0.4969% | 6,420 |
| Return on assets (ROA) | -0.5260% | 6,453 |
| Pretax return on assets | -0.5558% | 6,358 |
| Return on Equity (ROE) | -5.7267% | 6,527 |
| Retained earnings to average equity (ytd only) | -7.6927% | 6,564 |
| Net charge-offs to loans | 3.2584% | 494 |
| Credit loss provision to net charge-offs | 156.2677% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.2259% | 4,850 |
| Efficiency ratio | 60.4599% | 6,349 |
| Assets per employee ($millions) | 4.4500% | 2,939 |
| Cash dividends to net income (ytd only)* | -34.3314% | 7,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4338% | 446 |
| Loan loss allowance to noncurrent loans | 58.1765% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 3.7491% | 1,735 |
| Noncurrent loans to loans | 5.9024% | 1,016 |
| Net loans and leases to total assets | 46.3592% | 7,080 |
| Net loans and leases to deposits | 67.5385% | 6,169 |
| Net loans and leases to core deposits | 88.7570% | 5,553 |
| Total domestic deposits to total assets | 68.6411% | 7,521 |
| Equity capital to assets | 10.4736% | 3,545 |
| Core capital (leverage) ratio | 10.1144% | 3,157 |
| Tier 1 risk-based capital ratio | 14.0313% | 3,534 |
| Total risk-based capital ratio | 15.3824% | 3,417 |
| Memoranda: | ||
| Average total assets | $634,984,250 | 1,106 |
| Average earning assets | $594,512,750 | 1,074 |
| Average equity | $58,322,250 | 1,148 |
| Average total loans | $303,905,000 | 1,596 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6490% | 3,822 |
| Cost of funding earning assets | 2.4124% | 1,916 |
| Net interest margin | 3.2366% | 5,786 |
| Noninterest income to average assets | 1.7873% | 460 |
| Noninterest expense to average assets | 2.8137% | 4,900 |
| Loan and lease loss provision to assets | 2.2997% | 695 |
| Net operating income to assets | -0.2801% | 6,304 |
| Return on assets (ROA) | -0.2720% | 6,308 |
| Pretax return on assets | -0.2904% | 6,227 |
| Return on Equity (ROE) | -3.1103% | 6,371 |
| Retained earnings to average equity (ytd only) | -5.6449% | 6,400 |
| Net charge-offs to loans | 4.8333% | 259 |
| Credit loss provision to net charge-offs | 99.5204% | 4,627 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 4,885 |
| Efficiency ratio | 58.2517% | 6,826 |
| Assets per employee ($millions) | 4.7473% | 2,403 |
| Cash dividends to net income (ytd only)* | -81.4901% | 8,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 1,565 |
| Loan loss allowance to noncurrent loans | 41.0378% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.4774% | 1,792 |
| Noncurrent loans to loans | 4.8737% | 1,279 |
| Net loans and leases to total assets | 49.0990% | 6,952 |
| Net loans and leases to deposits | 68.7745% | 6,116 |
| Net loans and leases to core deposits | 89.1259% | 5,619 |
| Total domestic deposits to total assets | 71.3913% | 7,316 |
| Equity capital to assets | 9.8908% | 4,093 |
| Core capital (leverage) ratio | 10.5109% | 2,802 |
| Tier 1 risk-based capital ratio | 14.3816% | 3,315 |
| Total risk-based capital ratio | 15.7357% | 3,197 |
| Memoranda: | ||
| Average total assets | $631,561,330 | 1,131 |
| Average earning assets | $590,686,330 | 1,101 |
| Average equity | $55,236,000 | 1,220 |
| Average total loans | $301,949,670 | 1,641 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6994% | 3,811 |
| Cost of funding earning assets | 2.4623% | 2,062 |
| Net interest margin | 3.2371% | 5,733 |
| Noninterest income to average assets | 1.1983% | 1,008 |
| Noninterest expense to average assets | 2.3914% | 6,222 |
| Loan and lease loss provision to assets | 2.6798% | 418 |
| Net operating income to assets | -0.8020% | 7,129 |
| Return on assets (ROA) | -0.8250% | 7,175 |
| Pretax return on assets | -0.8690% | 7,077 |
| Return on Equity (ROE) | -10.1095% | 7,372 |
| Retained earnings to average equity (ytd only) | -14.0188% | 7,381 |
| Net charge-offs to loans | 6.3219% | 143 |
| Credit loss provision to net charge-offs | 90.8894% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.6224% | 4,493 |
| Efficiency ratio | 56.3708% | 6,915 |
| Assets per employee ($millions) | 5.0783% | 1,985 |
| Cash dividends to net income (ytd only)* | -38.6698% | 8,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 1,280 |
| Loan loss allowance to noncurrent loans | 77.3082% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 2.7274% | 2,084 |
| Noncurrent loans to loans | 2.6849% | 2,448 |
| Net loans and leases to total assets | 45.5973% | 7,219 |
| Net loans and leases to deposits | 63.1938% | 6,635 |
| Net loans and leases to core deposits | 79.1774% | 6,444 |
| Total domestic deposits to total assets | 72.1547% | 7,186 |
| Equity capital to assets | 8.0466% | 6,744 |
| Core capital (leverage) ratio | 8.5818% | 5,375 |
| Tier 1 risk-based capital ratio | 11.7125% | 5,196 |
| Total risk-based capital ratio | 13.0206% | 5,072 |
| Memoranda: | ||
| Average total assets | $626,901,500 | 1,136 |
| Average earning assets | $586,449,500 | 1,112 |
| Average equity | $51,160,000 | 1,341 |
| Average total loans | $292,380,500 | 1,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 4,590 |
| Cost of funding earning assets | 2.9343% | 2,124 |
| Net interest margin | 3.2508% | 6,210 |
| Noninterest income to average assets | 1.1132% | 1,262 |
| Noninterest expense to average assets | 2.3361% | 6,600 |
| Loan and lease loss provision to assets | 0.8513% | 1,752 |
| Net operating income to assets | 0.9382% | 2,839 |
| Return on assets (ROA) | 0.6962% | 3,741 |
| Pretax return on assets | 0.7209% | 4,332 |
| Return on Equity (ROE) | 7.7592% | 3,170 |
| Retained earnings to average equity (ytd only) | 2.1542% | 3,889 |
| Net charge-offs to loans | 0.9550% | 1,294 |
| Credit loss provision to net charge-offs | 184.7339% | 2,685 |
| Earnings coverage of net charge-offs (x) | 3.9531% | 4,166 |
| Efficiency ratio | 55.9997% | 7,013 |
| Assets per employee ($millions) | 5.2431% | 1,694 |
| Cash dividends to net income (ytd only)* | 72.2364% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1973% | 952 |
| Loan loss allowance to noncurrent loans | 43.1656% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 2.6587% | 1,797 |
| Noncurrent loans to loans | 5.0903% | 854 |
| Net loans and leases to total assets | 45.6872% | 7,358 |
| Net loans and leases to deposits | 63.3771% | 6,850 |
| Net loans and leases to core deposits | 78.8004% | 6,705 |
| Total domestic deposits to total assets | 72.0879% | 6,980 |
| Equity capital to assets | 8.2742% | 6,452 |
| Core capital (leverage) ratio | 8.6488% | 5,286 |
| Tier 1 risk-based capital ratio | 13.6755% | 3,709 |
| Total risk-based capital ratio | 14.9653% | 3,609 |
| Memoranda: | ||
| Average total assets | $619,751,200 | 1,080 |
| Average earning assets | $580,448,800 | 1,062 |
| Average equity | $55,611,600 | 1,211 |
| Average total loans | $299,069,800 | 1,615 |