Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0190% | 34 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9,662.0000% | 36 |
| Cost of funding earning assets | 77.0000% | 27 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0075% | 4,526 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.8217% | 571 |
| Pretax return on assets | 1.8401% | 843 |
| Return on Equity (ROE) | 13.3900% | 1,635 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 11.9747% | 2,169 |
| Efficiency ratio | 0.0000% | 4,579 |
| Assets per employee ($millions) | 0.1427% | 4,551 |
| Cash dividends to net income (ytd only)* | 297.0000% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 362.0000% | 51 |
| Total domestic deposits to total assets | 3,446.0000% | 9 |
| Equity capital to assets | 11,268.0000% | 34 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,978,000 | 4,593 |
| Average earning assets | $4,942 | 4,575 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 2,138 |
| Cost of funding earning assets | 0.7562% | 3,646 |
| Net interest margin | 4.1083% | 1,055 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.5767% | 2,010 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.8363% | 617 |
| Return on assets (ROA) | 1.8462% | 594 |
| Pretax return on assets | 1.8710% | 900 |
| Return on Equity (ROE) | 13.6000% | 1,768 |
| Retained earnings to average equity (ytd only) | 9.2892% | 1,610 |
| Net charge-offs to loans | 0.0071% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 357.3333% | 399 |
| Efficiency ratio | 57.9896% | 3,204 |
| Assets per employee ($millions) | 7.3972% | 1,697 |
| Cash dividends to net income (ytd only)* | 31.7142% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8534% | 3,864 |
| Loan loss allowance to noncurrent loans | 1,223.7179% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,302 |
| Noncurrent loans to loans | 0.0697% | 3,258 |
| Net loans and leases to total assets | 71.3900% | 1,650 |
| Net loans and leases to deposits | 83.1925% | 1,814 |
| Net loans and leases to core deposits | 84.9723% | 2,261 |
| Total domestic deposits to total assets | 85.8100% | 2,254 |
| Equity capital to assets | 13.4659% | 729 |
| Core capital (leverage) ratio | 14.9911% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8834% | 827 |
| Memoranda: | ||
| Average total assets | $306,279,000 | 2,404 |
| Average earning assets | $291,110,250 | 2,358 |
| Average equity | $41,566,750 | 1,813 |
| Average total loans | $224,353,250 | 2,135 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,059 |
| Cost of funding earning assets | 0.6706% | 3,568 |
| Net interest margin | 4.0997% | 1,088 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.5340% | 2,113 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.8453% | 611 |
| Return on assets (ROA) | 1.8549% | 601 |
| Pretax return on assets | 1.8936% | 878 |
| Return on Equity (ROE) | 13.6300% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.9236% | 1,417 |
| Net charge-offs to loans | 0.0053% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 482.6667% | 306 |
| Efficiency ratio | 57.1471% | 3,283 |
| Assets per employee ($millions) | 7.2637% | 1,738 |
| Cash dividends to net income (ytd only)* | 27.2020% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 3,851 |
| Loan loss allowance to noncurrent loans | 638.6667% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1007% | 2,828 |
| Noncurrent loans to loans | 0.1367% | 2,787 |
| Net loans and leases to total assets | 73.0500% | 1,403 |
| Net loans and leases to deposits | 85.8936% | 1,509 |
| Net loans and leases to core deposits | 87.6143% | 1,955 |
| Total domestic deposits to total assets | 85.0500% | 2,531 |
| Equity capital to assets | 14.1476% | 629 |
| Core capital (leverage) ratio | 14.6532% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1998% | 793 |
| Memoranda: | ||
| Average total assets | $304,811,333 | 2,417 |
| Average earning assets | $290,170,667 | 2,367 |
| Average equity | $41,477,000 | 1,827 |
| Average total loans | $224,570,333 | 2,127 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 1,799 |
| Cost of funding earning assets | 0.5583% | 3,508 |
| Net interest margin | 4.1610% | 1,003 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.4404% | 2,398 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.9722% | 513 |
| Return on assets (ROA) | 1.9850% | 495 |
| Pretax return on assets | 2.0058% | 774 |
| Return on Equity (ROE) | 14.8700% | 1,575 |
| Retained earnings to average equity (ytd only) | 14.4548% | 873 |
| Net charge-offs to loans | 0.0053% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 520.3333% | 220 |
| Efficiency ratio | 54.6485% | 3,538 |
| Assets per employee ($millions) | 7.6926% | 1,514 |
| Cash dividends to net income (ytd only)* | 2.8105% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 3,952 |
| Loan loss allowance to noncurrent loans | 1,109.2486% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0562% | 3,225 |
| Noncurrent loans to loans | 0.0779% | 3,182 |
| Net loans and leases to total assets | 71.5400% | 1,468 |
| Net loans and leases to deposits | 83.4234% | 1,541 |
| Net loans and leases to core deposits | 85.0038% | 1,929 |
| Total domestic deposits to total assets | 85.7600% | 2,662 |
| Equity capital to assets | 13.6667% | 644 |
| Core capital (leverage) ratio | 14.1622% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4252% | 921 |
| Memoranda: | ||
| Average total assets | $308,311,500 | 2,419 |
| Average earning assets | $294,449,500 | 2,377 |
| Average equity | $41,149,000 | 1,863 |
| Average total loans | $227,123,500 | 2,127 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 2,844 |
| Cost of funding earning assets | 0.2602% | 3,241 |
| Net interest margin | 3.3239% | 2,500 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.2999% | 2,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2738% | 1,519 |
| Return on assets (ROA) | 1.3189% | 1,321 |
| Pretax return on assets | 1.3393% | 1,961 |
| Return on Equity (ROE) | 10.6900% | 2,580 |
| Retained earnings to average equity (ytd only) | 7.0858% | 2,201 |
| Net charge-offs to loans | 0.0113% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 172.0417% | 725 |
| Efficiency ratio | 64.0080% | 2,489 |
| Assets per employee ($millions) | 7.5346% | 1,596 |
| Cash dividends to net income (ytd only)* | 33.7212% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 3,968 |
| Loan loss allowance to noncurrent loans | 457.6190% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,574 |
| Noncurrent loans to loans | 0.1809% | 2,581 |
| Net loans and leases to total assets | 74.5400% | 1,176 |
| Net loans and leases to deposits | 86.4562% | 1,281 |
| Net loans and leases to core deposits | 87.7694% | 1,624 |
| Total domestic deposits to total assets | 86.2200% | 2,670 |
| Equity capital to assets | 13.0277% | 702 |
| Core capital (leverage) ratio | 13.7135% | 772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4362% | 1,061 |
| Memoranda: | ||
| Average total assets | $319,270,600 | 2,355 |
| Average earning assets | $305,962,400 | 2,305 |
| Average equity | $39,388,600 | 1,939 |
| Average total loans | $212,816,200 | 2,147 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 2,987 |
| Cost of funding earning assets | 0.2147% | 3,093 |
| Net interest margin | 3.1575% | 2,750 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 2.2626% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1408% | 1,926 |
| Return on assets (ROA) | 1.1980% | 1,673 |
| Pretax return on assets | 1.2167% | 2,306 |
| Return on Equity (ROE) | 9.8400% | 2,779 |
| Retained earnings to average equity (ytd only) | 6.5926% | 2,522 |
| Net charge-offs to loans | 0.0058% | 1,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 310.6667% | 461 |
| Efficiency ratio | 66.1419% | 2,260 |
| Assets per employee ($millions) | 7.8989% | 1,379 |
| Cash dividends to net income (ytd only)* | 33.0221% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8577% | 3,967 |
| Loan loss allowance to noncurrent loans | 860.8889% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,162 |
| Noncurrent loans to loans | 0.0996% | 3,166 |
| Net loans and leases to total assets | 72.6800% | 1,210 |
| Net loans and leases to deposits | 83.5387% | 1,336 |
| Net loans and leases to core deposits | 84.5475% | 1,618 |
| Total domestic deposits to total assets | 87.0100% | 2,760 |
| Equity capital to assets | 12.4506% | 784 |
| Core capital (leverage) ratio | 13.3414% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3596% | 1,112 |
| Memoranda: | ||
| Average total assets | $321,858,500 | 2,359 |
| Average earning assets | $308,680,000 | 2,308 |
| Average equity | $39,174,500 | 1,974 |
| Average total loans | $207,972,250 | 2,185 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0932% | 3,326 |
| Cost of funding earning assets | 0.1904% | 3,041 |
| Net interest margin | 2.9028% | 3,165 |
| Noninterest income to average assets | 0.3945% | 2,788 |
| Noninterest expense to average assets | 2.2098% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9538% | 2,344 |
| Return on assets (ROA) | 1.0378% | 2,000 |
| Pretax return on assets | 1.0629% | 2,534 |
| Return on Equity (ROE) | 8.5886% | 2,833 |
| Retained earnings to average equity (ytd only) | 4.5579% | 2,857 |
| Net charge-offs to loans | 0.0040% | 1,882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 398.7500% | 317 |
| Efficiency ratio | 69.3387% | 2,060 |
| Assets per employee ($millions) | 7.7848% | 1,424 |
| Cash dividends to net income (ytd only)* | 46.9303% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,757 |
| Loan loss allowance to noncurrent loans | 115.7330% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 1,079 |
| Noncurrent loans to loans | 0.8307% | 1,030 |
| Net loans and leases to total assets | 62.6770% | 2,046 |
| Net loans and leases to deposits | 71.6943% | 2,054 |
| Net loans and leases to core deposits | 72.0029% | 2,336 |
| Total domestic deposits to total assets | 87.4226% | 2,792 |
| Equity capital to assets | 12.0598% | 853 |
| Core capital (leverage) ratio | 12.3476% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5999% | 912 |
| Memoranda: | ||
| Average total assets | $326,458,667 | 2,346 |
| Average earning assets | $314,044,667 | 2,304 |
| Average equity | $39,447,667 | 2,022 |
| Average total loans | $202,014,667 | 2,219 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9740% | 3,331 |
| Cost of funding earning assets | 0.1914% | 2,922 |
| Net interest margin | 2.7827% | 3,189 |
| Noninterest income to average assets | 0.3987% | 2,698 |
| Noninterest expense to average assets | 2.1509% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9111% | 2,241 |
| Return on assets (ROA) | 1.0833% | 1,567 |
| Pretax return on assets | 1.1015% | 2,138 |
| Return on Equity (ROE) | 8.9567% | 2,333 |
| Retained earnings to average equity (ytd only) | 6.7225% | 1,986 |
| Net charge-offs to loans | 0.0059% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 362 |
| Efficiency ratio | 69.9094% | 2,243 |
| Assets per employee ($millions) | 7.5404% | 1,654 |
| Cash dividends to net income (ytd only)* | 24.9441% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9832% | 3,792 |
| Loan loss allowance to noncurrent loans | 799.5885% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,350 |
| Noncurrent loans to loans | 0.1230% | 3,207 |
| Net loans and leases to total assets | 57.6704% | 2,330 |
| Net loans and leases to deposits | 65.5657% | 2,370 |
| Net loans and leases to core deposits | 65.8290% | 2,641 |
| Total domestic deposits to total assets | 87.9582% | 2,543 |
| Equity capital to assets | 11.5824% | 1,100 |
| Core capital (leverage) ratio | 12.0805% | 1,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7312% | 1,098 |
| Memoranda: | ||
| Average total assets | $330,100,000 | 2,340 |
| Average earning assets | $317,682,000 | 2,299 |
| Average equity | $39,925,500 | 2,056 |
| Average total loans | $202,026,000 | 2,215 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 2,625 |
| Cost of funding earning assets | 0.2543% | 2,873 |
| Net interest margin | 3.2578% | 2,440 |
| Noninterest income to average assets | 0.4568% | 2,778 |
| Noninterest expense to average assets | 2.2979% | 2,802 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2629% | 1,713 |
| Return on assets (ROA) | 1.2712% | 1,743 |
| Pretax return on assets | 1.2894% | 2,389 |
| Return on Equity (ROE) | 9.8293% | 2,591 |
| Retained earnings to average equity (ytd only) | 5.4340% | 2,601 |
| Net charge-offs to loans | -0.0066% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2067% | 2,528 |
| Assets per employee ($millions) | 6.9757% | 1,944 |
| Cash dividends to net income (ytd only)* | 44.7167% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,955 |
| Loan loss allowance to noncurrent loans | 386.8787% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,845 |
| Noncurrent loans to loans | 0.2437% | 2,754 |
| Net loans and leases to total assets | 63.7234% | 1,737 |
| Net loans and leases to deposits | 73.5307% | 1,768 |
| Net loans and leases to core deposits | 75.0655% | 1,996 |
| Total domestic deposits to total assets | 86.6624% | 2,637 |
| Equity capital to assets | 12.6370% | 1,019 |
| Core capital (leverage) ratio | 12.4616% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1883% | 1,220 |
| Memoranda: | ||
| Average total assets | $308,201,000 | 2,399 |
| Average earning assets | $295,354,200 | 2,351 |
| Average equity | $39,860,400 | 2,085 |
| Average total loans | $197,240,600 | 2,249 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6592% | 2,381 |
| Cost of funding earning assets | 0.2658% | 2,946 |
| Net interest margin | 3.3934% | 2,174 |
| Noninterest income to average assets | 0.4607% | 2,793 |
| Noninterest expense to average assets | 2.2476% | 2,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4408% | 1,419 |
| Return on assets (ROA) | 1.4490% | 1,460 |
| Pretax return on assets | 1.4695% | 2,081 |
| Return on Equity (ROE) | 11.1366% | 2,329 |
| Retained earnings to average equity (ytd only) | 5.9865% | 2,824 |
| Net charge-offs to loans | 0.0014% | 2,373 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,671.5000% | 87 |
| Efficiency ratio | 60.6011% | 2,896 |
| Assets per employee ($millions) | 6.7245% | 2,075 |
| Cash dividends to net income (ytd only)* | 46.2443% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,824 |
| Loan loss allowance to noncurrent loans | 217.2103% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2874% | 2,334 |
| Noncurrent loans to loans | 0.4628% | 2,171 |
| Net loans and leases to total assets | 61.4803% | 2,078 |
| Net loans and leases to deposits | 71.1497% | 2,133 |
| Net loans and leases to core deposits | 73.1360% | 2,310 |
| Total domestic deposits to total assets | 86.4098% | 2,596 |
| Equity capital to assets | 13.0520% | 970 |
| Core capital (leverage) ratio | 12.8123% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0365% | 1,127 |
| Memoranda: | ||
| Average total assets | $305,030,750 | 2,440 |
| Average earning assets | $291,972,250 | 2,398 |
| Average equity | $39,688,000 | 2,118 |
| Average total loans | $194,945,000 | 2,303 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8763% | 1,879 |
| Cost of funding earning assets | 0.2713% | 3,077 |
| Net interest margin | 3.6050% | 1,582 |
| Noninterest income to average assets | 0.4671% | 2,771 |
| Noninterest expense to average assets | 2.2517% | 2,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6411% | 962 |
| Return on assets (ROA) | 1.6502% | 1,005 |
| Pretax return on assets | 1.6733% | 1,548 |
| Return on Equity (ROE) | 12.6965% | 1,822 |
| Retained earnings to average equity (ytd only) | 7.5216% | 2,243 |
| Net charge-offs to loans | -0.0010% | 3,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5034% | 3,343 |
| Assets per employee ($millions) | 6.5949% | 2,095 |
| Cash dividends to net income (ytd only)* | 40.7585% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 3,802 |
| Loan loss allowance to noncurrent loans | 105.6831% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 1,415 |
| Noncurrent loans to loans | 0.9520% | 1,299 |
| Net loans and leases to total assets | 61.3908% | 2,251 |
| Net loans and leases to deposits | 70.9968% | 2,308 |
| Net loans and leases to core deposits | 72.9695% | 2,525 |
| Total domestic deposits to total assets | 86.4699% | 2,563 |
| Equity capital to assets | 12.9142% | 970 |
| Core capital (leverage) ratio | 12.7064% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4842% | 1,040 |
| Memoranda: | ||
| Average total assets | $303,599,333 | 2,441 |
| Average earning assets | $290,430,000 | 2,399 |
| Average equity | $39,459,667 | 2,117 |
| Average total loans | $195,891,667 | 2,307 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 1,501 |
| Cost of funding earning assets | 0.2788% | 3,197 |
| Net interest margin | 3.7769% | 1,188 |
| Noninterest income to average assets | 0.4713% | 2,744 |
| Noninterest expense to average assets | 2.2102% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8443% | 726 |
| Return on assets (ROA) | 1.8614% | 760 |
| Pretax return on assets | 1.8854% | 1,141 |
| Return on Equity (ROE) | 14.2744% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.2119% | 1,098 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1952% | 3,761 |
| Assets per employee ($millions) | 6.1526% | 2,450 |
| Cash dividends to net income (ytd only)* | 14.4492% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,864 |
| Loan loss allowance to noncurrent loans | 355.3309% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,287 |
| Noncurrent loans to loans | 0.2795% | 3,096 |
| Net loans and leases to total assets | 62.6384% | 2,212 |
| Net loans and leases to deposits | 72.3141% | 2,282 |
| Net loans and leases to core deposits | 74.3590% | 2,482 |
| Total domestic deposits to total assets | 86.6199% | 2,477 |
| Equity capital to assets | 12.8996% | 945 |
| Core capital (leverage) ratio | 12.8897% | 866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8469% | 1,096 |
| Memoranda: | ||
| Average total assets | $300,419,000 | 2,438 |
| Average earning assets | $286,903,000 | 2,398 |
| Average equity | $39,175,000 | 2,118 |
| Average total loans | $197,727,000 | 2,297 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 2,644 |
| Cost of funding earning assets | 0.4037% | 3,558 |
| Net interest margin | 3.6247% | 2,056 |
| Noninterest income to average assets | 0.5481% | 2,428 |
| Noninterest expense to average assets | 2.5315% | 2,750 |
| Loan and lease loss provision to assets | 0.0903% | 3,235 |
| Net operating income to assets | 1.3513% | 1,121 |
| Return on assets (ROA) | 1.4482% | 1,001 |
| Pretax return on assets | 1.4699% | 1,441 |
| Return on Equity (ROE) | 10.8264% | 1,694 |
| Retained earnings to average equity (ytd only) | 6.9772% | 1,406 |
| Net charge-offs to loans | 0.0229% | 2,590 |
| Credit loss provision to net charge-offs | 555.5556% | 1,170 |
| Earnings coverage of net charge-offs (x) | 89.9333% | 843 |
| Efficiency ratio | 63.3855% | 2,915 |
| Assets per employee ($millions) | 5.9839% | 2,346 |
| Cash dividends to net income (ytd only)* | 35.5539% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,996 |
| Loan loss allowance to noncurrent loans | 413.0342% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 3,477 |
| Noncurrent loans to loans | 0.2330% | 3,362 |
| Net loans and leases to total assets | 67.8335% | 1,845 |
| Net loans and leases to deposits | 80.0926% | 1,857 |
| Net loans and leases to core deposits | 82.8532% | 2,131 |
| Total domestic deposits to total assets | 84.6939% | 2,885 |
| Equity capital to assets | 13.1875% | 1,027 |
| Core capital (leverage) ratio | 12.6771% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2080% | 1,212 |
| Memoranda: | ||
| Average total assets | $276,756,200 | 2,421 |
| Average earning assets | $263,082,200 | 2,379 |
| Average equity | $37,020,600 | 2,127 |
| Average total loans | $196,464,800 | 2,270 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1219% | 2,613 |
| Cost of funding earning assets | 0.4348% | 3,611 |
| Net interest margin | 3.6871% | 1,986 |
| Noninterest income to average assets | 0.5634% | 2,332 |
| Noninterest expense to average assets | 2.6192% | 2,485 |
| Loan and lease loss provision to assets | 0.0734% | 3,409 |
| Net operating income to assets | 1.3548% | 1,216 |
| Return on assets (ROA) | 1.4358% | 1,111 |
| Pretax return on assets | 1.4578% | 1,550 |
| Return on Equity (ROE) | 10.6929% | 1,786 |
| Retained earnings to average equity (ytd only) | 6.7450% | 1,797 |
| Net charge-offs to loans | 0.0293% | 2,250 |
| Credit loss provision to net charge-offs | 348.8372% | 1,613 |
| Earnings coverage of net charge-offs (x) | 68.8837% | 1,008 |
| Efficiency ratio | 64.3905% | 2,673 |
| Assets per employee ($millions) | 5.7133% | 2,528 |
| Cash dividends to net income (ytd only)* | 36.9210% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 4,028 |
| Loan loss allowance to noncurrent loans | 137.1450% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 2,319 |
| Noncurrent loans to loans | 0.6666% | 2,119 |
| Net loans and leases to total assets | 69.6169% | 2,014 |
| Net loans and leases to deposits | 82.1995% | 2,077 |
| Net loans and leases to core deposits | 86.1089% | 2,291 |
| Total domestic deposits to total assets | 84.6926% | 2,556 |
| Equity capital to assets | 13.2897% | 1,070 |
| Core capital (leverage) ratio | 13.1597% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6746% | 1,331 |
| Memoranda: | ||
| Average total assets | $272,643,000 | 2,418 |
| Average earning assets | $259,129,250 | 2,378 |
| Average equity | $36,609,000 | 2,133 |
| Average total loans | $195,374,250 | 2,275 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 2,606 |
| Cost of funding earning assets | 0.4725% | 3,687 |
| Net interest margin | 3.7778% | 1,894 |
| Noninterest income to average assets | 0.5665% | 2,270 |
| Noninterest expense to average assets | 2.5568% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5738% | 798 |
| Return on assets (ROA) | 1.6645% | 719 |
| Pretax return on assets | 1.6891% | 1,023 |
| Return on Equity (ROE) | 12.3516% | 1,252 |
| Retained earnings to average equity (ytd only) | 8.1754% | 1,253 |
| Net charge-offs to loans | -0.0021% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5467% | 3,194 |
| Assets per employee ($millions) | 5.6905% | 2,457 |
| Cash dividends to net income (ytd only)* | 33.8110% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,126 |
| Loan loss allowance to noncurrent loans | 104.4056% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,063 |
| Noncurrent loans to loans | 0.8320% | 1,829 |
| Net loans and leases to total assets | 69.3876% | 2,127 |
| Net loans and leases to deposits | 81.8559% | 2,222 |
| Net loans and leases to core deposits | 85.6489% | 2,470 |
| Total domestic deposits to total assets | 84.7679% | 2,485 |
| Equity capital to assets | 13.2101% | 1,076 |
| Core capital (leverage) ratio | 13.2736% | 929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5565% | 1,351 |
| Memoranda: | ||
| Average total assets | $268,302,333 | 2,423 |
| Average earning assets | $254,805,000 | 2,383 |
| Average equity | $36,157,333 | 2,147 |
| Average total loans | $193,597,000 | 2,269 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,950 |
| Cost of funding earning assets | 0.5217% | 3,837 |
| Net interest margin | 3.7703% | 2,083 |
| Noninterest income to average assets | 0.5534% | 2,263 |
| Noninterest expense to average assets | 2.6350% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4737% | 831 |
| Return on assets (ROA) | 1.5681% | 733 |
| Pretax return on assets | 1.5911% | 1,077 |
| Return on Equity (ROE) | 11.5114% | 1,258 |
| Retained earnings to average equity (ytd only) | 11.4776% | 485 |
| Net charge-offs to loans | 0.0021% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 973.0000% | 54 |
| Efficiency ratio | 63.7886% | 3,265 |
| Assets per employee ($millions) | 5.1923% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.2941% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,067 |
| Loan loss allowance to noncurrent loans | 144.2774% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 2,625 |
| Noncurrent loans to loans | 0.6328% | 2,407 |
| Net loans and leases to total assets | 72.2017% | 1,890 |
| Net loans and leases to deposits | 84.2147% | 2,199 |
| Net loans and leases to core deposits | 88.9588% | 2,449 |
| Total domestic deposits to total assets | 85.7353% | 2,110 |
| Equity capital to assets | 13.6187% | 1,171 |
| Core capital (leverage) ratio | 13.8177% | 957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2942% | 1,282 |
| Memoranda: | ||
| Average total assets | $260,191,000 | 2,431 |
| Average earning assets | $246,880,000 | 2,390 |
| Average equity | $35,443,000 | 2,176 |
| Average total loans | $190,818,000 | 2,258 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 3,400 |
| Cost of funding earning assets | 0.5198% | 4,001 |
| Net interest margin | 3.8278% | 2,414 |
| Noninterest income to average assets | 0.5723% | 2,360 |
| Noninterest expense to average assets | 2.7319% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4404% | 1,215 |
| Return on assets (ROA) | 1.4892% | 1,141 |
| Pretax return on assets | 1.5103% | 1,777 |
| Return on Equity (ROE) | 11.1441% | 1,826 |
| Retained earnings to average equity (ytd only) | 6.4253% | 1,650 |
| Net charge-offs to loans | 0.0142% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 138.3333% | 530 |
| Efficiency ratio | 65.1553% | 2,906 |
| Assets per employee ($millions) | 5.2154% | 2,333 |
| Cash dividends to net income (ytd only)* | 42.3431% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 3,968 |
| Loan loss allowance to noncurrent loans | 168.0934% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 2,823 |
| Noncurrent loans to loans | 0.5341% | 2,576 |
| Net loans and leases to total assets | 73.1437% | 1,898 |
| Net loans and leases to deposits | 86.6986% | 2,010 |
| Net loans and leases to core deposits | 91.8665% | 2,243 |
| Total domestic deposits to total assets | 84.3655% | 2,729 |
| Equity capital to assets | 13.6251% | 1,238 |
| Core capital (leverage) ratio | 13.5813% | 1,030 |
| Tier 1 risk-based capital ratio | 15.8276% | 2,467 |
| Total risk-based capital ratio | 16.6078% | 2,564 |
| Memoranda: | ||
| Average total assets | $255,641,800 | 2,420 |
| Average earning assets | $241,812,800 | 2,396 |
| Average equity | $34,161,600 | 2,182 |
| Average total loans | $189,627,000 | 2,237 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 3,497 |
| Cost of funding earning assets | 0.5204% | 4,060 |
| Net interest margin | 3.8352% | 2,487 |
| Noninterest income to average assets | 0.5530% | 2,445 |
| Noninterest expense to average assets | 2.6555% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5035% | 1,176 |
| Return on assets (ROA) | 1.5683% | 1,058 |
| Pretax return on assets | 1.5904% | 1,670 |
| Return on Equity (ROE) | 11.7957% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.4498% | 2,143 |
| Net charge-offs to loans | 0.0169% | 2,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 121.2053% | 641 |
| Efficiency ratio | 63.5235% | 3,090 |
| Assets per employee ($millions) | 4.9514% | 2,612 |
| Cash dividends to net income (ytd only)* | 45.3208% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 4,020 |
| Loan loss allowance to noncurrent loans | 540.9375% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,093 |
| Noncurrent loans to loans | 0.1673% | 3,938 |
| Net loans and leases to total assets | 75.0426% | 1,640 |
| Net loans and leases to deposits | 87.8376% | 1,951 |
| Net loans and leases to core deposits | 93.0312% | 2,265 |
| Total domestic deposits to total assets | 85.4333% | 2,240 |
| Equity capital to assets | 13.8531% | 1,211 |
| Core capital (leverage) ratio | 13.7522% | 1,059 |
| Tier 1 risk-based capital ratio | 15.7788% | 2,525 |
| Total risk-based capital ratio | 16.5705% | 2,637 |
| Memoranda: | ||
| Average total assets | $254,360,000 | 2,452 |
| Average earning assets | $240,573,750 | 2,422 |
| Average equity | $33,819,500 | 2,215 |
| Average total loans | $188,917,750 | 2,267 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,691 |
| Cost of funding earning assets | 0.4983% | 4,121 |
| Net interest margin | 3.7822% | 2,640 |
| Noninterest income to average assets | 0.5522% | 2,378 |
| Noninterest expense to average assets | 2.6520% | 3,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4640% | 1,248 |
| Return on assets (ROA) | 1.4904% | 1,221 |
| Pretax return on assets | 1.5108% | 1,823 |
| Return on Equity (ROE) | 11.3664% | 1,842 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,534 |
| Net charge-offs to loans | 0.0106% | 2,752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 189.2000% | 406 |
| Efficiency ratio | 64.1191% | 3,112 |
| Assets per employee ($millions) | 4.8952% | 2,607 |
| Cash dividends to net income (ytd only)* | 51.8947% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9201% | 4,004 |
| Loan loss allowance to noncurrent loans | 397.4943% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 3,897 |
| Noncurrent loans to loans | 0.2315% | 3,715 |
| Net loans and leases to total assets | 73.8194% | 1,922 |
| Net loans and leases to deposits | 88.3957% | 1,956 |
| Net loans and leases to core deposits | 93.6837% | 2,266 |
| Total domestic deposits to total assets | 83.5102% | 3,047 |
| Equity capital to assets | 13.4676% | 1,335 |
| Core capital (leverage) ratio | 13.4186% | 1,146 |
| Tier 1 risk-based capital ratio | 15.5670% | 2,601 |
| Total risk-based capital ratio | 16.3874% | 2,702 |
| Memoranda: | ||
| Average total assets | $254,972,670 | 2,451 |
| Average earning assets | $241,605,330 | 2,419 |
| Average equity | $33,432,000 | 2,228 |
| Average total loans | $188,147,000 | 2,274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 3,756 |
| Cost of funding earning assets | 0.4727% | 4,189 |
| Net interest margin | 3.7647% | 2,654 |
| Noninterest income to average assets | 0.5721% | 2,177 |
| Noninterest expense to average assets | 2.6506% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4610% | 1,200 |
| Return on assets (ROA) | 1.4687% | 1,211 |
| Pretax return on assets | 1.4876% | 1,814 |
| Return on Equity (ROE) | 11.3552% | 1,806 |
| Retained earnings to average equity (ytd only) | 7.7438% | 1,757 |
| Net charge-offs to loans | 0.0235% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 85.8182% | 728 |
| Efficiency ratio | 64.1746% | 3,208 |
| Assets per employee ($millions) | 4.8700% | 2,677 |
| Cash dividends to net income (ytd only)* | 31.8036% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 3,966 |
| Loan loss allowance to noncurrent loans | 663.1179% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 4,293 |
| Noncurrent loans to loans | 0.1432% | 4,099 |
| Net loans and leases to total assets | 71.8478% | 2,192 |
| Net loans and leases to deposits | 83.4677% | 2,445 |
| Net loans and leases to core deposits | 87.2242% | 2,762 |
| Total domestic deposits to total assets | 86.0785% | 2,243 |
| Equity capital to assets | 13.2597% | 1,311 |
| Core capital (leverage) ratio | 13.2455% | 1,170 |
| Tier 1 risk-based capital ratio | 16.1211% | 2,383 |
| Total risk-based capital ratio | 16.9604% | 2,483 |
| Memoranda: | ||
| Average total assets | $255,183,500 | 2,478 |
| Average earning assets | $241,190,000 | 2,440 |
| Average equity | $33,007,000 | 2,250 |
| Average total loans | $187,394,000 | 2,301 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 3,256 |
| Cost of funding earning assets | 0.3428% | 4,328 |
| Net interest margin | 3.9131% | 2,290 |
| Noninterest income to average assets | 0.4948% | 2,857 |
| Noninterest expense to average assets | 2.7214% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4492% | 1,279 |
| Return on assets (ROA) | 1.4472% | 1,271 |
| Pretax return on assets | 1.4665% | 1,889 |
| Return on Equity (ROE) | 11.7428% | 1,801 |
| Retained earnings to average equity (ytd only) | 7.7027% | 1,373 |
| Net charge-offs to loans | -0.0277% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9511% | 3,032 |
| Assets per employee ($millions) | 4.6750% | 2,918 |
| Cash dividends to net income (ytd only)* | 34.4048% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,092 |
| Loan loss allowance to noncurrent loans | 351.7034% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1941% | 3,852 |
| Noncurrent loans to loans | 0.2611% | 3,640 |
| Net loans and leases to total assets | 73.6374% | 1,985 |
| Net loans and leases to deposits | 86.7240% | 2,187 |
| Net loans and leases to core deposits | 90.4587% | 2,534 |
| Total domestic deposits to total assets | 84.9101% | 2,680 |
| Equity capital to assets | 12.6144% | 1,530 |
| Core capital (leverage) ratio | 12.8645% | 1,301 |
| Tier 1 risk-based capital ratio | 15.2858% | 2,705 |
| Total risk-based capital ratio | 16.1074% | 2,833 |
| Memoranda: | ||
| Average total assets | $253,657,400 | 2,446 |
| Average earning assets | $239,526,800 | 2,413 |
| Average equity | $31,261,600 | 2,266 |
| Average total loans | $188,048,000 | 2,268 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 3,118 |
| Cost of funding earning assets | 0.3212% | 4,371 |
| Net interest margin | 3.9382% | 2,165 |
| Noninterest income to average assets | 0.4789% | 2,988 |
| Noninterest expense to average assets | 2.6720% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5048% | 1,182 |
| Return on assets (ROA) | 1.5048% | 1,177 |
| Pretax return on assets | 1.5253% | 1,819 |
| Return on Equity (ROE) | 12.2832% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.7658% | 1,317 |
| Net charge-offs to loans | -0.0384% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6592% | 3,243 |
| Assets per employee ($millions) | 4.7851% | 2,742 |
| Cash dividends to net income (ytd only)* | 28.6367% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 4,155 |
| Loan loss allowance to noncurrent loans | 74.1350% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,572 |
| Noncurrent loans to loans | 1.2494% | 1,348 |
| Net loans and leases to total assets | 74.1053% | 1,966 |
| Net loans and leases to deposits | 85.3402% | 2,443 |
| Net loans and leases to core deposits | 89.8781% | 2,670 |
| Total domestic deposits to total assets | 86.8352% | 1,805 |
| Equity capital to assets | 12.5170% | 1,574 |
| Core capital (leverage) ratio | 12.7856% | 1,374 |
| Tier 1 risk-based capital ratio | 15.0675% | 2,850 |
| Total risk-based capital ratio | 15.8889% | 2,972 |
| Memoranda: | ||
| Average total assets | $252,790,250 | 2,474 |
| Average earning assets | $238,684,250 | 2,435 |
| Average equity | $30,968,250 | 2,283 |
| Average total loans | $187,286,000 | 2,279 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 3,574 |
| Cost of funding earning assets | 0.2956% | 4,445 |
| Net interest margin | 3.7660% | 2,693 |
| Noninterest income to average assets | 0.4641% | 3,069 |
| Noninterest expense to average assets | 2.7056% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3037% | 1,757 |
| Return on assets (ROA) | 1.3037% | 1,752 |
| Pretax return on assets | 1.3203% | 2,432 |
| Return on Equity (ROE) | 10.7198% | 2,219 |
| Retained earnings to average equity (ytd only) | 6.9555% | 2,095 |
| Net charge-offs to loans | -0.0558% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2044% | 2,780 |
| Assets per employee ($millions) | 4.6571% | 2,873 |
| Cash dividends to net income (ytd only)* | 35.1154% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,261 |
| Loan loss allowance to noncurrent loans | 73.7085% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 1,594 |
| Noncurrent loans to loans | 1.2441% | 1,392 |
| Net loans and leases to total assets | 75.4021% | 1,738 |
| Net loans and leases to deposits | 86.6661% | 2,251 |
| Net loans and leases to core deposits | 91.2939% | 2,456 |
| Total domestic deposits to total assets | 87.0030% | 1,839 |
| Equity capital to assets | 12.3294% | 1,645 |
| Core capital (leverage) ratio | 12.3729% | 1,507 |
| Tier 1 risk-based capital ratio | 14.5904% | 3,077 |
| Total risk-based capital ratio | 15.4033% | 3,201 |
| Memoranda: | ||
| Average total assets | $252,517,670 | 2,483 |
| Average earning assets | $238,823,670 | 2,440 |
| Average equity | $30,709,670 | 2,304 |
| Average total loans | $186,483,330 | 2,296 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,845 |
| Cost of funding earning assets | 0.2842% | 4,466 |
| Net interest margin | 3.6479% | 2,997 |
| Noninterest income to average assets | 0.4300% | 3,242 |
| Noninterest expense to average assets | 2.6747% | 3,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1935% | 2,035 |
| Return on assets (ROA) | 1.1935% | 2,050 |
| Pretax return on assets | 1.2046% | 2,731 |
| Return on Equity (ROE) | 9.8817% | 2,495 |
| Retained earnings to average equity (ytd only) | 9.7508% | 1,241 |
| Net charge-offs to loans | -0.0391% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9487% | 2,679 |
| Assets per employee ($millions) | 4.5625% | 3,048 |
| Cash dividends to net income (ytd only)* | 1.3245% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,288 |
| Loan loss allowance to noncurrent loans | 277.1337% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,896 |
| Noncurrent loans to loans | 0.3371% | 3,552 |
| Net loans and leases to total assets | 71.4355% | 2,263 |
| Net loans and leases to deposits | 81.7743% | 2,613 |
| Net loans and leases to core deposits | 87.5218% | 2,679 |
| Total domestic deposits to total assets | 87.3569% | 1,981 |
| Equity capital to assets | 12.0294% | 1,766 |
| Core capital (leverage) ratio | 12.3785% | 1,441 |
| Tier 1 risk-based capital ratio | 14.8660% | 2,941 |
| Total risk-based capital ratio | 15.6866% | 3,065 |
| Memoranda: | ||
| Average total assets | $253,036,000 | 2,493 |
| Average earning assets | $239,260,500 | 2,454 |
| Average equity | $30,561,500 | 2,332 |
| Average total loans | $184,036,500 | 2,333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,797 |
| Cost of funding earning assets | 0.2842% | 4,279 |
| Net interest margin | 3.5924% | 3,197 |
| Noninterest income to average assets | 0.6113% | 2,396 |
| Noninterest expense to average assets | 2.9152% | 2,400 |
| Loan and lease loss provision to assets | -0.1287% | 5,514 |
| Net operating income to assets | 1.2061% | 1,502 |
| Return on assets (ROA) | 1.2002% | 1,550 |
| Pretax return on assets | 1.2155% | 2,709 |
| Return on Equity (ROE) | 9.9961% | 1,887 |
| Retained earnings to average equity (ytd only) | 5.7652% | 1,674 |
| Net charge-offs to loans | -0.0104% | 4,797 |
| Credit loss provision to net charge-offs | 1,684.2105% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7346% | 2,111 |
| Assets per employee ($millions) | 4.4745% | 3,233 |
| Cash dividends to net income (ytd only)* | 42.3257% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,337 |
| Loan loss allowance to noncurrent loans | 265.2648% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,854 |
| Noncurrent loans to loans | 0.3492% | 3,510 |
| Net loans and leases to total assets | 72.6862% | 2,139 |
| Net loans and leases to deposits | 83.4893% | 2,554 |
| Net loans and leases to core deposits | 89.6818% | 2,595 |
| Total domestic deposits to total assets | 87.0605% | 1,964 |
| Equity capital to assets | 12.1274% | 1,743 |
| Core capital (leverage) ratio | 12.2019% | 1,496 |
| Tier 1 risk-based capital ratio | 14.6389% | 3,017 |
| Total risk-based capital ratio | 15.4649% | 3,138 |
| Memoranda: | ||
| Average total assets | $248,632,000 | 2,499 |
| Average earning assets | $235,081,000 | 2,460 |
| Average equity | $29,851,600 | 2,367 |
| Average total loans | $182,638,200 | 2,298 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 3,769 |
| Cost of funding earning assets | 0.2844% | 4,272 |
| Net interest margin | 3.5847% | 3,214 |
| Noninterest income to average assets | 0.6308% | 2,310 |
| Noninterest expense to average assets | 2.8805% | 2,471 |
| Loan and lease loss provision to assets | -0.1171% | 5,607 |
| Net operating income to assets | 1.2443% | 1,533 |
| Return on assets (ROA) | 1.2363% | 1,584 |
| Pretax return on assets | 1.2519% | 2,693 |
| Return on Equity (ROE) | 10.3236% | 1,978 |
| Retained earnings to average equity (ytd only) | 5.8326% | 2,356 |
| Net charge-offs to loans | 0.0790% | 2,010 |
| Credit loss provision to net charge-offs | -201.8519% | 4,633 |
| Earnings coverage of net charge-offs (x) | 19.6940% | 1,986 |
| Efficiency ratio | 71.5946% | 2,265 |
| Assets per employee ($millions) | 4.3122% | 3,452 |
| Cash dividends to net income (ytd only)* | 43.5028% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 4,468 |
| Loan loss allowance to noncurrent loans | 448.6631% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 4,510 |
| Noncurrent loans to loans | 0.2049% | 4,261 |
| Net loans and leases to total assets | 73.5713% | 1,984 |
| Net loans and leases to deposits | 84.6636% | 2,474 |
| Net loans and leases to core deposits | 89.8652% | 2,623 |
| Total domestic deposits to total assets | 86.8983% | 1,905 |
| Equity capital to assets | 12.3970% | 1,719 |
| Core capital (leverage) ratio | 12.2591% | 1,536 |
| Tier 1 risk-based capital ratio | 14.6319% | 3,114 |
| Total risk-based capital ratio | 15.4563% | 3,251 |
| Memoranda: | ||
| Average total assets | $248,146,750 | 2,522 |
| Average earning assets | $234,844,250 | 2,476 |
| Average equity | $29,717,500 | 2,391 |
| Average total loans | $182,339,000 | 2,311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,092 |
| Cost of funding earning assets | 0.2790% | 4,303 |
| Net interest margin | 3.4663% | 3,520 |
| Noninterest income to average assets | 0.6805% | 2,082 |
| Noninterest expense to average assets | 2.8393% | 2,617 |
| Loan and lease loss provision to assets | -0.0803% | 5,631 |
| Net operating income to assets | 1.1906% | 1,626 |
| Return on assets (ROA) | 1.1794% | 1,702 |
| Pretax return on assets | 1.1939% | 2,789 |
| Return on Equity (ROE) | 9.9639% | 2,052 |
| Retained earnings to average equity (ytd only) | 4.9073% | 2,771 |
| Net charge-offs to loans | 0.1009% | 1,612 |
| Credit loss provision to net charge-offs | -108.6957% | 4,361 |
| Earnings coverage of net charge-offs (x) | 15.2174% | 2,037 |
| Efficiency ratio | 71.6255% | 2,412 |
| Assets per employee ($millions) | 4.3551% | 3,335 |
| Cash dividends to net income (ytd only)* | 50.7493% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 4,151 |
| Loan loss allowance to noncurrent loans | 196.9565% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 3,632 |
| Noncurrent loans to loans | 0.5075% | 3,240 |
| Net loans and leases to total assets | 72.2985% | 2,151 |
| Net loans and leases to deposits | 82.8925% | 2,608 |
| Net loans and leases to core deposits | 88.4539% | 2,664 |
| Total domestic deposits to total assets | 87.2196% | 1,846 |
| Equity capital to assets | 12.0791% | 1,879 |
| Core capital (leverage) ratio | 11.6477% | 1,864 |
| Tier 1 risk-based capital ratio | 14.3778% | 3,229 |
| Total risk-based capital ratio | 15.2683% | 3,331 |
| Memoranda: | ||
| Average total assets | $248,931,330 | 2,527 |
| Average earning assets | $235,811,330 | 2,486 |
| Average equity | $29,466,330 | 2,408 |
| Average total loans | $182,281,670 | 2,323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6384% | 4,307 |
| Cost of funding earning assets | 0.2795% | 4,264 |
| Net interest margin | 3.3589% | 3,803 |
| Noninterest income to average assets | 0.7269% | 1,845 |
| Noninterest expense to average assets | 2.8001% | 2,792 |
| Loan and lease loss provision to assets | -0.1605% | 5,783 |
| Net operating income to assets | 1.2645% | 1,337 |
| Return on assets (ROA) | 1.2420% | 1,440 |
| Pretax return on assets | 1.2468% | 2,424 |
| Return on Equity (ROE) | 10.6002% | 1,696 |
| Retained earnings to average equity (ytd only) | 7.8611% | 1,517 |
| Net charge-offs to loans | 0.1029% | 1,349 |
| Credit loss provision to net charge-offs | -212.7660% | 4,054 |
| Earnings coverage of net charge-offs (x) | 14.7021% | 1,712 |
| Efficiency ratio | 71.6338% | 2,641 |
| Assets per employee ($millions) | 4.6143% | 2,988 |
| Cash dividends to net income (ytd only)* | 25.8398% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,086 |
| Loan loss allowance to noncurrent loans | 159.9483% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 3,373 |
| Noncurrent loans to loans | 0.6451% | 2,892 |
| Net loans and leases to total assets | 70.1866% | 2,344 |
| Net loans and leases to deposits | 79.9812% | 2,760 |
| Net loans and leases to core deposits | 85.0660% | 2,808 |
| Total domestic deposits to total assets | 87.7538% | 1,861 |
| Equity capital to assets | 11.6484% | 2,081 |
| Core capital (leverage) ratio | 11.7060% | 1,825 |
| Tier 1 risk-based capital ratio | 14.2864% | 3,324 |
| Total risk-based capital ratio | 15.1967% | 3,424 |
| Memoranda: | ||
| Average total assets | $249,277,500 | 2,550 |
| Average earning assets | $236,146,000 | 2,503 |
| Average equity | $29,207,000 | 2,431 |
| Average total loans | $182,780,000 | 2,337 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,018 |
| Cost of funding earning assets | 0.3010% | 4,052 |
| Net interest margin | 3.4612% | 3,579 |
| Noninterest income to average assets | 0.5936% | 2,697 |
| Noninterest expense to average assets | 3.0228% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8503% | 3,065 |
| Return on assets (ROA) | 0.8670% | 3,105 |
| Pretax return on assets | 0.8776% | 3,921 |
| Return on Equity (ROE) | 7.3603% | 3,292 |
| Retained earnings to average equity (ytd only) | 4.2900% | 2,853 |
| Net charge-offs to loans | -0.0043% | 4,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8353% | 1,715 |
| Assets per employee ($millions) | 4.7071% | 2,779 |
| Cash dividends to net income (ytd only)* | 41.7140% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,827 |
| Loan loss allowance to noncurrent loans | 160.0639% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 3,218 |
| Noncurrent loans to loans | 0.6746% | 2,846 |
| Net loans and leases to total assets | 74.9994% | 1,693 |
| Net loans and leases to deposits | 85.7067% | 2,222 |
| Net loans and leases to core deposits | 91.7463% | 2,325 |
| Total domestic deposits to total assets | 87.5070% | 1,875 |
| Equity capital to assets | 11.7874% | 1,939 |
| Core capital (leverage) ratio | 11.6147% | 1,850 |
| Tier 1 risk-based capital ratio | 13.9021% | 3,516 |
| Total risk-based capital ratio | 14.8749% | 3,596 |
| Memoranda: | ||
| Average total assets | $243,612,400 | 2,558 |
| Average earning assets | $231,569,000 | 2,505 |
| Average equity | $28,694,400 | 2,475 |
| Average total loans | $184,880,000 | 2,263 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7493% | 4,082 |
| Cost of funding earning assets | 0.3016% | 4,079 |
| Net interest margin | 3.4478% | 3,677 |
| Noninterest income to average assets | 0.5841% | 2,737 |
| Noninterest expense to average assets | 3.0061% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8550% | 3,128 |
| Return on assets (ROA) | 0.8773% | 3,150 |
| Pretax return on assets | 0.8833% | 4,038 |
| Return on Equity (ROE) | 7.4493% | 3,323 |
| Retained earnings to average equity (ytd only) | 3.4199% | 3,852 |
| Net charge-offs to loans | -0.0022% | 4,503 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7384% | 1,724 |
| Assets per employee ($millions) | 4.5765% | 2,961 |
| Cash dividends to net income (ytd only)* | 54.0914% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 4,071 |
| Loan loss allowance to noncurrent loans | 170.7088% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4828% | 3,505 |
| Noncurrent loans to loans | 0.6207% | 3,155 |
| Net loans and leases to total assets | 76.9513% | 1,373 |
| Net loans and leases to deposits | 90.1978% | 1,726 |
| Net loans and leases to core deposits | 96.6488% | 1,925 |
| Total domestic deposits to total assets | 85.3139% | 2,671 |
| Equity capital to assets | 11.9696% | 2,143 |
| Core capital (leverage) ratio | 11.6943% | 1,894 |
| Tier 1 risk-based capital ratio | 13.6126% | 3,795 |
| Total risk-based capital ratio | 14.5800% | 3,878 |
| Memoranda: | ||
| Average total assets | $243,323,000 | 2,568 |
| Average earning assets | $231,680,250 | 2,510 |
| Average equity | $28,655,000 | 2,487 |
| Average total loans | $184,705,000 | 2,268 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7004% | 4,300 |
| Cost of funding earning assets | 0.3043% | 4,072 |
| Net interest margin | 3.3961% | 3,911 |
| Noninterest income to average assets | 0.5411% | 2,949 |
| Noninterest expense to average assets | 2.9707% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7956% | 3,327 |
| Return on assets (ROA) | 0.7915% | 3,491 |
| Pretax return on assets | 0.8006% | 4,274 |
| Return on Equity (ROE) | 6.7580% | 3,663 |
| Retained earnings to average equity (ytd only) | 2.1171% | 4,511 |
| Net charge-offs to loans | -0.0065% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6864% | 1,692 |
| Assets per employee ($millions) | 4.1731% | 3,613 |
| Cash dividends to net income (ytd only)* | 68.6722% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 4,058 |
| Loan loss allowance to noncurrent loans | 126.1500% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 3,040 |
| Noncurrent loans to loans | 0.8555% | 2,601 |
| Net loans and leases to total assets | 75.8179% | 1,518 |
| Net loans and leases to deposits | 89.3027% | 1,831 |
| Net loans and leases to core deposits | 96.0996% | 1,969 |
| Total domestic deposits to total assets | 84.9000% | 2,922 |
| Equity capital to assets | 11.8977% | 2,198 |
| Core capital (leverage) ratio | 11.7145% | 1,836 |
| Tier 1 risk-based capital ratio | 13.5925% | 3,840 |
| Total risk-based capital ratio | 14.5740% | 3,920 |
| Memoranda: | ||
| Average total assets | $243,578,670 | 2,583 |
| Average earning assets | $231,974,330 | 2,517 |
| Average equity | $28,529,000 | 2,493 |
| Average total loans | $183,390,330 | 2,281 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 4,444 |
| Cost of funding earning assets | 0.3095% | 4,069 |
| Net interest margin | 3.3525% | 4,033 |
| Noninterest income to average assets | 0.4796% | 3,266 |
| Noninterest expense to average assets | 2.8304% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8332% | 3,071 |
| Return on assets (ROA) | 0.8251% | 3,249 |
| Pretax return on assets | 0.8332% | 4,089 |
| Return on Equity (ROE) | 7.0998% | 3,403 |
| Retained earnings to average equity (ytd only) | 4.0993% | 3,440 |
| Net charge-offs to loans | -0.0066% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0843% | 2,031 |
| Assets per employee ($millions) | 4.1476% | 3,674 |
| Cash dividends to net income (ytd only)* | 42.2619% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 4,034 |
| Loan loss allowance to noncurrent loans | 167.1405% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 3,616 |
| Noncurrent loans to loans | 0.6592% | 3,196 |
| Net loans and leases to total assets | 74.5954% | 1,630 |
| Net loans and leases to deposits | 85.3087% | 2,147 |
| Net loans and leases to core deposits | 92.0033% | 2,183 |
| Total domestic deposits to total assets | 87.4418% | 1,965 |
| Equity capital to assets | 11.8965% | 2,092 |
| Core capital (leverage) ratio | 11.6180% | 1,893 |
| Tier 1 risk-based capital ratio | 13.8313% | 3,790 |
| Total risk-based capital ratio | 14.8294% | 3,865 |
| Memoranda: | ||
| Average total assets | $244,348,500 | 2,590 |
| Average earning assets | $232,660,000 | 2,523 |
| Average equity | $28,395,000 | 2,496 |
| Average total loans | $182,330,000 | 2,288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,243 |
| Cost of funding earning assets | 0.3225% | 3,996 |
| Net interest margin | 3.4145% | 3,855 |
| Noninterest income to average assets | 0.5830% | 2,816 |
| Noninterest expense to average assets | 2.7908% | 3,268 |
| Loan and lease loss provision to assets | -0.0290% | 5,686 |
| Net operating income to assets | 1.0556% | 2,105 |
| Return on assets (ROA) | 1.0556% | 2,189 |
| Pretax return on assets | 1.0693% | 3,190 |
| Return on Equity (ROE) | 9.0488% | 2,429 |
| Retained earnings to average equity (ytd only) | 2.0827% | 4,538 |
| Net charge-offs to loans | 0.0056% | 4,255 |
| Credit loss provision to net charge-offs | -700.0000% | 5,507 |
| Earnings coverage of net charge-offs (x) | 250.9000% | 283 |
| Efficiency ratio | 72.8463% | 2,763 |
| Assets per employee ($millions) | 4.2782% | 3,434 |
| Cash dividends to net income (ytd only)* | 76.9835% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,103 |
| Loan loss allowance to noncurrent loans | 117.3427% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6855% | 2,994 |
| Noncurrent loans to loans | 0.9284% | 2,480 |
| Net loans and leases to total assets | 73.0315% | 1,888 |
| Net loans and leases to deposits | 86.9915% | 2,005 |
| Net loans and leases to core deposits | 93.7172% | 2,071 |
| Total domestic deposits to total assets | 83.9525% | 3,500 |
| Equity capital to assets | 11.3534% | 2,496 |
| Core capital (leverage) ratio | 11.3317% | 2,102 |
| Tier 1 risk-based capital ratio | 13.7842% | 3,836 |
| Total risk-based capital ratio | 14.7865% | 3,920 |
| Memoranda: | ||
| Average total assets | $241,185,400 | 2,570 |
| Average earning assets | $229,430,600 | 2,515 |
| Average equity | $28,136,200 | 2,444 |
| Average total loans | $177,266,600 | 2,271 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 4,252 |
| Cost of funding earning assets | 0.3285% | 4,004 |
| Net interest margin | 3.4240% | 3,862 |
| Noninterest income to average assets | 0.5696% | 2,917 |
| Noninterest expense to average assets | 2.7334% | 3,452 |
| Loan and lease loss provision to assets | -0.0390% | 5,892 |
| Net operating income to assets | 1.1164% | 1,938 |
| Return on assets (ROA) | 1.1164% | 2,013 |
| Pretax return on assets | 1.1309% | 3,094 |
| Return on Equity (ROE) | 9.5042% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,893 |
| Net charge-offs to loans | -0.0023% | 4,716 |
| Credit loss provision to net charge-offs | 2,333.3333% | 153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4556% | 2,971 |
| Assets per employee ($millions) | 4.3897% | 3,179 |
| Cash dividends to net income (ytd only)* | 47.0323% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 4,121 |
| Loan loss allowance to noncurrent loans | 145.6853% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 3,580 |
| Noncurrent loans to loans | 0.7674% | 3,046 |
| Net loans and leases to total assets | 73.5918% | 1,806 |
| Net loans and leases to deposits | 85.3687% | 2,225 |
| Net loans and leases to core deposits | 91.8360% | 2,282 |
| Total domestic deposits to total assets | 86.2046% | 2,438 |
| Equity capital to assets | 11.9444% | 2,146 |
| Core capital (leverage) ratio | 11.5454% | 2,003 |
| Tier 1 risk-based capital ratio | 14.3481% | 3,654 |
| Total risk-based capital ratio | 15.3802% | 3,711 |
| Memoranda: | ||
| Average total assets | $239,447,250 | 2,596 |
| Average earning assets | $227,682,250 | 2,549 |
| Average equity | $28,127,250 | 2,464 |
| Average total loans | $175,779,500 | 2,292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,298 |
| Cost of funding earning assets | 0.3230% | 4,121 |
| Net interest margin | 3.4119% | 3,868 |
| Noninterest income to average assets | 0.4749% | 3,525 |
| Noninterest expense to average assets | 2.9759% | 2,627 |
| Loan and lease loss provision to assets | -0.0586% | 6,043 |
| Net operating income to assets | 0.7963% | 3,410 |
| Return on assets (ROA) | 0.7764% | 3,609 |
| Pretax return on assets | 0.7848% | 4,370 |
| Return on Equity (ROE) | 6.6475% | 3,810 |
| Retained earnings to average equity (ytd only) | 0.6095% | 5,316 |
| Net charge-offs to loans | -0.0034% | 4,658 |
| Credit loss provision to net charge-offs | 2,333.3333% | 171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9505% | 1,771 |
| Assets per employee ($millions) | 4.2713% | 3,352 |
| Cash dividends to net income (ytd only)* | 90.8306% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 4,184 |
| Loan loss allowance to noncurrent loans | 145.1590% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 3,676 |
| Noncurrent loans to loans | 0.7778% | 3,164 |
| Net loans and leases to total assets | 73.5480% | 1,735 |
| Net loans and leases to deposits | 88.5293% | 1,769 |
| Net loans and leases to core deposits | 93.1430% | 2,049 |
| Total domestic deposits to total assets | 83.0776% | 3,917 |
| Equity capital to assets | 11.5915% | 2,338 |
| Core capital (leverage) ratio | 11.2885% | 2,173 |
| Tier 1 risk-based capital ratio | 14.0180% | 3,912 |
| Total risk-based capital ratio | 15.0630% | 3,963 |
| Memoranda: | ||
| Average total assets | $238,784,330 | 2,620 |
| Average earning assets | $227,266,670 | 2,566 |
| Average equity | $27,890,330 | 2,491 |
| Average total loans | $174,477,330 | 2,322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 4,427 |
| Cost of funding earning assets | 0.3188% | 4,237 |
| Net interest margin | 3.3638% | 3,974 |
| Noninterest income to average assets | 0.4627% | 3,555 |
| Noninterest expense to average assets | 2.9139% | 2,858 |
| Loan and lease loss provision to assets | -0.1174% | 6,218 |
| Net operating income to assets | 0.8601% | 2,962 |
| Return on assets (ROA) | 0.8601% | 3,078 |
| Pretax return on assets | 0.8685% | 3,999 |
| Return on Equity (ROE) | 7.3358% | 3,311 |
| Retained earnings to average equity (ytd only) | 2.0878% | 4,628 |
| Net charge-offs to loans | 0.0046% | 3,160 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | 224.0000% | 254 |
| Efficiency ratio | 79.5059% | 1,959 |
| Assets per employee ($millions) | 4.3623% | 3,259 |
| Cash dividends to net income (ytd only)* | 71.5400% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,092 |
| Loan loss allowance to noncurrent loans | 126.6751% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 3,472 |
| Noncurrent loans to loans | 0.9303% | 2,918 |
| Net loans and leases to total assets | 71.3390% | 1,926 |
| Net loans and leases to deposits | 81.8354% | 2,352 |
| Net loans and leases to core deposits | 85.9357% | 2,557 |
| Total domestic deposits to total assets | 87.1738% | 2,278 |
| Equity capital to assets | 11.9556% | 2,063 |
| Core capital (leverage) ratio | 11.3458% | 2,119 |
| Tier 1 risk-based capital ratio | 14.6137% | 3,650 |
| Total risk-based capital ratio | 15.6973% | 3,674 |
| Memoranda: | ||
| Average total assets | $238,580,500 | 2,645 |
| Average earning assets | $227,127,000 | 2,583 |
| Average equity | $27,972,500 | 2,505 |
| Average total loans | $172,751,000 | 2,341 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 3,919 |
| Cost of funding earning assets | 0.3710% | 4,030 |
| Net interest margin | 3.5797% | 3,474 |
| Noninterest income to average assets | 0.6403% | 2,615 |
| Noninterest expense to average assets | 3.0722% | 2,617 |
| Loan and lease loss provision to assets | -0.1866% | 6,278 |
| Net operating income to assets | 1.1407% | 1,814 |
| Return on assets (ROA) | 1.1369% | 1,899 |
| Pretax return on assets | 1.1509% | 2,867 |
| Return on Equity (ROE) | 10.0021% | 2,128 |
| Retained earnings to average equity (ytd only) | 6.0251% | 1,914 |
| Net charge-offs to loans | -0.0107% | 5,572 |
| Credit loss provision to net charge-offs | 2,444.4444% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6087% | 2,571 |
| Assets per employee ($millions) | 4.3927% | 3,204 |
| Cash dividends to net income (ytd only)* | 39.7613% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,112 |
| Loan loss allowance to noncurrent loans | 158.1112% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 3,992 |
| Noncurrent loans to loans | 0.7484% | 3,455 |
| Net loans and leases to total assets | 71.7612% | 1,947 |
| Net loans and leases to deposits | 86.3549% | 1,934 |
| Net loans and leases to core deposits | 90.7807% | 2,202 |
| Total domestic deposits to total assets | 83.1004% | 4,040 |
| Equity capital to assets | 11.4993% | 2,428 |
| Core capital (leverage) ratio | 11.5478% | 1,947 |
| Tier 1 risk-based capital ratio | 14.1387% | 4,007 |
| Total risk-based capital ratio | 15.2302% | 4,032 |
| Memoranda: | ||
| Average total assets | $235,822,000 | 2,652 |
| Average earning assets | $223,983,800 | 2,587 |
| Average equity | $26,804,400 | 2,508 |
| Average total loans | $168,482,800 | 2,334 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 4,244 |
| Cost of funding earning assets | 0.3830% | 3,980 |
| Net interest margin | 3.4959% | 3,854 |
| Noninterest income to average assets | 0.6115% | 2,798 |
| Noninterest expense to average assets | 3.0952% | 2,485 |
| Loan and lease loss provision to assets | -0.1667% | 6,360 |
| Net operating income to assets | 0.9898% | 2,501 |
| Return on assets (ROA) | 0.9898% | 2,562 |
| Pretax return on assets | 1.0012% | 3,585 |
| Return on Equity (ROE) | 8.7347% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.5642% | 4,110 |
| Net charge-offs to loans | -0.0136% | 5,504 |
| Credit loss provision to net charge-offs | 1,723.5294% | 206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2716% | 2,145 |
| Assets per employee ($millions) | 4.2013% | 3,483 |
| Cash dividends to net income (ytd only)* | 59.1955% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 3,576 |
| Loan loss allowance to noncurrent loans | 101.6461% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9465% | 3,077 |
| Noncurrent loans to loans | 1.2928% | 2,481 |
| Net loans and leases to total assets | 72.2462% | 1,803 |
| Net loans and leases to deposits | 84.2821% | 2,110 |
| Net loans and leases to core deposits | 88.6423% | 2,361 |
| Total domestic deposits to total assets | 85.7195% | 3,002 |
| Equity capital to assets | 11.7020% | 2,305 |
| Core capital (leverage) ratio | 11.1772% | 2,326 |
| Tier 1 risk-based capital ratio | 14.1179% | 4,133 |
| Total risk-based capital ratio | 15.3258% | 4,100 |
| Memoranda: | ||
| Average total assets | $234,378,250 | 2,678 |
| Average earning assets | $222,463,000 | 2,609 |
| Average equity | $26,560,000 | 2,527 |
| Average total loans | $166,741,250 | 2,368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 4,382 |
| Cost of funding earning assets | 0.3898% | 3,994 |
| Net interest margin | 3.4481% | 3,987 |
| Noninterest income to average assets | 0.5538% | 3,092 |
| Noninterest expense to average assets | 3.0610% | 2,628 |
| Loan and lease loss provision to assets | -0.1384% | 6,416 |
| Net operating income to assets | 0.8969% | 2,827 |
| Return on assets (ROA) | 0.8969% | 2,924 |
| Pretax return on assets | 0.9071% | 3,866 |
| Return on Equity (ROE) | 8.0000% | 3,095 |
| Retained earnings to average equity (ytd only) | 1.2424% | 5,254 |
| Net charge-offs to loans | -0.0205% | 5,557 |
| Credit loss provision to net charge-offs | 958.8235% | 344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4189% | 2,103 |
| Assets per employee ($millions) | 4.2395% | 3,394 |
| Cash dividends to net income (ytd only)* | 84.4697% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,335 |
| Loan loss allowance to noncurrent loans | 105.7079% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 3,152 |
| Noncurrent loans to loans | 1.3273% | 2,592 |
| Net loans and leases to total assets | 70.8827% | 1,933 |
| Net loans and leases to deposits | 80.8462% | 2,406 |
| Net loans and leases to core deposits | 84.8907% | 2,630 |
| Total domestic deposits to total assets | 87.6760% | 2,100 |
| Equity capital to assets | 11.3972% | 2,515 |
| Core capital (leverage) ratio | 10.8086% | 2,612 |
| Tier 1 risk-based capital ratio | 13.8901% | 4,328 |
| Total risk-based capital ratio | 15.1308% | 4,279 |
| Memoranda: | ||
| Average total assets | $235,480,670 | 2,678 |
| Average earning assets | $223,719,330 | 2,605 |
| Average equity | $26,400,000 | 2,536 |
| Average total loans | $165,934,000 | 2,383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7607% | 4,632 |
| Cost of funding earning assets | 0.3930% | 4,052 |
| Net interest margin | 3.3677% | 4,262 |
| Noninterest income to average assets | 0.5409% | 3,106 |
| Noninterest expense to average assets | 3.0173% | 2,808 |
| Loan and lease loss provision to assets | -0.2755% | 6,610 |
| Net operating income to assets | 0.9906% | 2,243 |
| Return on assets (ROA) | 0.9906% | 2,302 |
| Pretax return on assets | 1.0007% | 3,313 |
| Return on Equity (ROE) | 8.9083% | 2,504 |
| Retained earnings to average equity (ytd only) | 3.8917% | 3,782 |
| Net charge-offs to loans | -0.0509% | 5,816 |
| Credit loss provision to net charge-offs | 776.1905% | 375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1265% | 2,188 |
| Assets per employee ($millions) | 4.2012% | 3,522 |
| Cash dividends to net income (ytd only)* | 56.3140% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 3,405 |
| Loan loss allowance to noncurrent loans | 93.4921% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0523% | 3,149 |
| Noncurrent loans to loans | 1.5422% | 2,498 |
| Net loans and leases to total assets | 67.2509% | 2,347 |
| Net loans and leases to deposits | 76.2889% | 2,783 |
| Net loans and leases to core deposits | 79.9616% | 2,968 |
| Total domestic deposits to total assets | 88.1530% | 2,141 |
| Equity capital to assets | 11.0607% | 2,669 |
| Core capital (leverage) ratio | 10.7358% | 2,666 |
| Tier 1 risk-based capital ratio | 14.1693% | 4,213 |
| Total risk-based capital ratio | 15.4071% | 4,171 |
| Memoranda: | ||
| Average total assets | $236,635,500 | 2,669 |
| Average earning assets | $224,959,000 | 2,606 |
| Average equity | $26,312,500 | 2,528 |
| Average total loans | $165,086,000 | 2,397 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 4,148 |
| Cost of funding earning assets | 0.4355% | 4,260 |
| Net interest margin | 3.5459% | 3,704 |
| Noninterest income to average assets | 0.6188% | 2,984 |
| Noninterest expense to average assets | 3.0051% | 3,041 |
| Loan and lease loss provision to assets | -0.0697% | 6,429 |
| Net operating income to assets | 1.0356% | 2,180 |
| Return on assets (ROA) | 1.0474% | 2,197 |
| Pretax return on assets | 1.0603% | 3,111 |
| Return on Equity (ROE) | 9.3396% | 2,397 |
| Retained earnings to average equity (ytd only) | -0.0305% | 5,872 |
| Net charge-offs to loans | 0.0259% | 4,903 |
| Credit loss provision to net charge-offs | -388.0952% | 6,098 |
| Earnings coverage of net charge-offs (x) | 54.5238% | 745 |
| Efficiency ratio | 74.9517% | 2,960 |
| Assets per employee ($millions) | 4.1750% | 3,498 |
| Cash dividends to net income (ytd only)* | 100.3264% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 3,206 |
| Loan loss allowance to noncurrent loans | 94.9810% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1249% | 3,150 |
| Noncurrent loans to loans | 1.5770% | 2,530 |
| Net loans and leases to total assets | 70.2616% | 1,972 |
| Net loans and leases to deposits | 81.4333% | 2,258 |
| Net loans and leases to core deposits | 86.0582% | 2,440 |
| Total domestic deposits to total assets | 86.2811% | 3,121 |
| Equity capital to assets | 11.1795% | 2,446 |
| Core capital (leverage) ratio | 10.5929% | 2,786 |
| Tier 1 risk-based capital ratio | 14.0130% | 4,287 |
| Total risk-based capital ratio | 15.2562% | 4,230 |
| Memoranda: | ||
| Average total assets | $234,000,600 | 2,679 |
| Average earning assets | $222,057,200 | 2,596 |
| Average equity | $26,243,200 | 2,524 |
| Average total loans | $162,073,800 | 2,392 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,389 |
| Cost of funding earning assets | 0.4445% | 4,335 |
| Net interest margin | 3.4853% | 3,945 |
| Noninterest income to average assets | 0.6112% | 3,070 |
| Noninterest expense to average assets | 3.0038% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9023% | 2,824 |
| Return on assets (ROA) | 0.9018% | 2,937 |
| Pretax return on assets | 0.9120% | 3,831 |
| Return on Equity (ROE) | 8.0345% | 3,109 |
| Retained earnings to average equity (ytd only) | -4.1162% | 6,446 |
| Net charge-offs to loans | 0.0389% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 34.0825% | 1,123 |
| Efficiency ratio | 76.2036% | 2,700 |
| Assets per employee ($millions) | 4.1783% | 3,468 |
| Cash dividends to net income (ytd only)* | 151.2321% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 2,843 |
| Loan loss allowance to noncurrent loans | 60.5287% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 1.8753% | 2,168 |
| Noncurrent loans to loans | 2.7088% | 1,558 |
| Net loans and leases to total assets | 68.0960% | 2,278 |
| Net loans and leases to deposits | 81.5221% | 2,199 |
| Net loans and leases to core deposits | 85.8283% | 2,428 |
| Total domestic deposits to total assets | 83.5306% | 4,367 |
| Equity capital to assets | 10.9387% | 2,817 |
| Core capital (leverage) ratio | 10.6165% | 2,872 |
| Tier 1 risk-based capital ratio | 13.8377% | 4,543 |
| Total risk-based capital ratio | 15.0819% | 4,501 |
| Memoranda: | ||
| Average total assets | $234,050,250 | 2,699 |
| Average earning assets | $221,953,000 | 2,610 |
| Average equity | $26,269,500 | 2,558 |
| Average total loans | $160,899,500 | 2,423 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9282% | 4,364 |
| Cost of funding earning assets | 0.4461% | 4,470 |
| Net interest margin | 3.4821% | 3,855 |
| Noninterest income to average assets | 0.6263% | 3,040 |
| Noninterest expense to average assets | 3.0281% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8895% | 2,846 |
| Return on assets (ROA) | 0.8886% | 3,006 |
| Pretax return on assets | 0.8989% | 3,915 |
| Return on Equity (ROE) | 7.8507% | 3,167 |
| Retained earnings to average equity (ytd only) | -8.7566% | 6,632 |
| Net charge-offs to loans | 0.0473% | 4,015 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 27.7105% | 1,211 |
| Efficiency ratio | 76.6152% | 2,697 |
| Assets per employee ($millions) | 4.0149% | 3,769 |
| Cash dividends to net income (ytd only)* | 211.5385% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6559% | 2,955 |
| Loan loss allowance to noncurrent loans | 71.4477% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.6299% | 2,664 |
| Noncurrent loans to loans | 2.3177% | 2,041 |
| Net loans and leases to total assets | 69.1608% | 2,040 |
| Net loans and leases to deposits | 79.1151% | 2,444 |
| Net loans and leases to core deposits | 82.9962% | 2,695 |
| Total domestic deposits to total assets | 87.4178% | 2,580 |
| Equity capital to assets | 10.9850% | 2,767 |
| Core capital (leverage) ratio | 10.3704% | 3,019 |
| Tier 1 risk-based capital ratio | 13.8154% | 4,550 |
| Total risk-based capital ratio | 15.0567% | 4,527 |
| Memoranda: | ||
| Average total assets | $234,071,670 | 2,705 |
| Average earning assets | $221,935,670 | 2,617 |
| Average equity | $26,494,330 | 2,537 |
| Average total loans | $160,535,670 | 2,433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,560 |
| Cost of funding earning assets | 0.4443% | 4,655 |
| Net interest margin | 3.4333% | 3,995 |
| Noninterest income to average assets | 0.5442% | 3,481 |
| Noninterest expense to average assets | 2.9440% | 3,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8433% | 2,933 |
| Return on assets (ROA) | 0.8416% | 3,084 |
| Pretax return on assets | 0.8501% | 3,953 |
| Return on Equity (ROE) | 7.3311% | 3,304 |
| Retained earnings to average equity (ytd only) | -13.8672% | 6,723 |
| Net charge-offs to loans | -0.0025% | 5,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0703% | 2,749 |
| Assets per employee ($millions) | 4.2649% | 3,398 |
| Cash dividends to net income (ytd only)* | 289.1566% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7545% | 2,785 |
| Loan loss allowance to noncurrent loans | 101.2734% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1383% | 3,665 |
| Noncurrent loans to loans | 1.7324% | 2,953 |
| Net loans and leases to total assets | 64.5496% | 2,606 |
| Net loans and leases to deposits | 73.4431% | 2,995 |
| Net loans and leases to core deposits | 76.5634% | 3,253 |
| Total domestic deposits to total assets | 87.8906% | 2,386 |
| Equity capital to assets | 11.3565% | 2,574 |
| Core capital (leverage) ratio | 10.3294% | 2,996 |
| Tier 1 risk-based capital ratio | 14.4173% | 4,234 |
| Total risk-based capital ratio | 15.3880% | 4,361 |
| Memoranda: | ||
| Average total assets | $236,683,500 | 2,710 |
| Average earning assets | $224,155,000 | 2,623 |
| Average equity | $27,172,000 | 2,512 |
| Average total loans | $160,334,500 | 2,445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 3,938 |
| Cost of funding earning assets | 0.5301% | 4,993 |
| Net interest margin | 3.8415% | 3,054 |
| Noninterest income to average assets | 0.7448% | 2,521 |
| Noninterest expense to average assets | 2.9423% | 3,492 |
| Loan and lease loss provision to assets | 0.0211% | 5,636 |
| Net operating income to assets | 1.3865% | 1,123 |
| Return on assets (ROA) | 1.4783% | 1,068 |
| Pretax return on assets | 1.4968% | 1,683 |
| Return on Equity (ROE) | 13.0877% | 1,205 |
| Retained earnings to average equity (ytd only) | 1.0263% | 5,362 |
| Net charge-offs to loans | -0.0187% | 6,542 |
| Credit loss provision to net charge-offs | -166.6667% | 6,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9337% | 4,341 |
| Assets per employee ($millions) | 4.2642% | 3,431 |
| Cash dividends to net income (ytd only)* | 92.1585% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6229% | 3,210 |
| Loan loss allowance to noncurrent loans | 106.1249% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 3,895 |
| Noncurrent loans to loans | 1.5293% | 3,316 |
| Net loans and leases to total assets | 68.6139% | 2,083 |
| Net loans and leases to deposits | 84.5131% | 1,694 |
| Net loans and leases to core deposits | 89.1001% | 1,951 |
| Total domestic deposits to total assets | 81.1874% | 5,347 |
| Equity capital to assets | 11.6019% | 2,342 |
| Core capital (leverage) ratio | 10.6766% | 2,571 |
| Tier 1 risk-based capital ratio | 14.0023% | 4,385 |
| Total risk-based capital ratio | 15.2458% | 4,347 |
| Memoranda: | ||
| Average total assets | $237,233,000 | 2,662 |
| Average earning assets | $223,713,000 | 2,579 |
| Average equity | $26,796,200 | 2,502 |
| Average total loans | $160,029,600 | 2,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 4,494 |
| Cost of funding earning assets | 0.5455% | 5,125 |
| Net interest margin | 3.7424% | 3,595 |
| Noninterest income to average assets | 0.7166% | 2,632 |
| Noninterest expense to average assets | 2.9437% | 3,432 |
| Loan and lease loss provision to assets | 0.0281% | 5,430 |
| Net operating income to assets | 1.2555% | 1,558 |
| Return on assets (ROA) | 1.3781% | 1,405 |
| Pretax return on assets | 1.3950% | 2,255 |
| Return on Equity (ROE) | 12.2847% | 1,542 |
| Retained earnings to average equity (ytd only) | -3.3572% | 6,506 |
| Net charge-offs to loans | -0.0354% | 6,619 |
| Credit loss provision to net charge-offs | -119.0476% | 6,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9266% | 3,889 |
| Assets per employee ($millions) | 4.4397% | 3,017 |
| Cash dividends to net income (ytd only)* | 127.3285% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,065 |
| Loan loss allowance to noncurrent loans | 80.7315% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.4027% | 3,501 |
| Noncurrent loans to loans | 2.1337% | 2,689 |
| Net loans and leases to total assets | 64.6100% | 2,906 |
| Net loans and leases to deposits | 74.0918% | 3,268 |
| Net loans and leases to core deposits | 77.9752% | 3,463 |
| Total domestic deposits to total assets | 87.2027% | 2,554 |
| Equity capital to assets | 11.2290% | 3,004 |
| Core capital (leverage) ratio | 10.3294% | 3,126 |
| Tier 1 risk-based capital ratio | 13.9775% | 4,544 |
| Total risk-based capital ratio | 15.2313% | 4,486 |
| Memoranda: | ||
| Average total assets | $236,842,000 | 2,690 |
| Average earning assets | $223,166,750 | 2,605 |
| Average equity | $26,569,000 | 2,537 |
| Average total loans | $158,399,250 | 2,471 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 4,436 |
| Cost of funding earning assets | 0.5572% | 5,250 |
| Net interest margin | 3.7772% | 3,471 |
| Noninterest income to average assets | 0.6995% | 2,676 |
| Noninterest expense to average assets | 2.9651% | 3,391 |
| Loan and lease loss provision to assets | 0.0424% | 5,141 |
| Net operating income to assets | 1.2230% | 1,632 |
| Return on assets (ROA) | 1.4058% | 1,318 |
| Pretax return on assets | 1.4364% | 2,061 |
| Return on Equity (ROE) | 12.5361% | 1,491 |
| Retained earnings to average equity (ytd only) | -8.3397% | 6,784 |
| Net charge-offs to loans | -0.0164% | 6,387 |
| Credit loss provision to net charge-offs | -384.6154% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1894% | 3,896 |
| Assets per employee ($millions) | 4.4534% | 2,990 |
| Cash dividends to net income (ytd only)* | 166.5259% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7063% | 3,202 |
| Loan loss allowance to noncurrent loans | 63.7097% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.8849% | 2,924 |
| Noncurrent loans to loans | 2.6783% | 2,246 |
| Net loans and leases to total assets | 66.8152% | 2,502 |
| Net loans and leases to deposits | 75.9994% | 2,993 |
| Net loans and leases to core deposits | 80.0836% | 3,207 |
| Total domestic deposits to total assets | 87.9154% | 2,194 |
| Equity capital to assets | 11.3375% | 2,745 |
| Core capital (leverage) ratio | 10.0731% | 3,321 |
| Tier 1 risk-based capital ratio | 13.9476% | 4,482 |
| Total risk-based capital ratio | 15.2016% | 4,453 |
| Memoranda: | ||
| Average total assets | $235,874,000 | 2,703 |
| Average earning assets | $222,172,330 | 2,619 |
| Average equity | $26,451,670 | 2,538 |
| Average total loans | $158,660,670 | 2,481 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 4,656 |
| Cost of funding earning assets | 0.5840% | 5,258 |
| Net interest margin | 3.7364% | 3,658 |
| Noninterest income to average assets | 0.6924% | 2,697 |
| Noninterest expense to average assets | 2.9241% | 3,525 |
| Loan and lease loss provision to assets | 0.0840% | 4,333 |
| Net operating income to assets | 1.1851% | 1,785 |
| Return on assets (ROA) | 1.5562% | 1,040 |
| Pretax return on assets | 1.5746% | 1,655 |
| Return on Equity (ROE) | 13.9510% | 1,192 |
| Retained earnings to average equity (ytd only) | -17.3107% | 7,011 |
| Net charge-offs to loans | -0.0226% | 6,220 |
| Credit loss provision to net charge-offs | -555.5556% | 5,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0495% | 3,975 |
| Assets per employee ($millions) | 4.5315% | 2,936 |
| Cash dividends to net income (ytd only)* | 224.0821% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,242 |
| Loan loss allowance to noncurrent loans | 86.2934% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3794% | 3,807 |
| Noncurrent loans to loans | 2.0014% | 3,163 |
| Net loans and leases to total assets | 63.5418% | 2,940 |
| Net loans and leases to deposits | 71.7549% | 3,464 |
| Net loans and leases to core deposits | 75.5397% | 3,682 |
| Total domestic deposits to total assets | 88.5540% | 1,981 |
| Equity capital to assets | 10.7740% | 3,181 |
| Core capital (leverage) ratio | 9.9905% | 3,376 |
| Tier 1 risk-based capital ratio | 13.8804% | 4,545 |
| Total risk-based capital ratio | 15.1344% | 4,526 |
| Memoranda: | ||
| Average total assets | $238,023,000 | 2,691 |
| Average earning assets | $223,956,500 | 2,614 |
| Average equity | $26,550,000 | 2,516 |
| Average total loans | $159,284,000 | 2,492 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 3,488 |
| Cost of funding earning assets | 0.7261% | 5,367 |
| Net interest margin | 4.1461% | 2,245 |
| Noninterest income to average assets | 0.7707% | 2,225 |
| Noninterest expense to average assets | 3.0345% | 3,466 |
| Loan and lease loss provision to assets | 0.2577% | 3,631 |
| Net operating income to assets | 1.3471% | 1,147 |
| Return on assets (ROA) | 1.4369% | 1,034 |
| Pretax return on assets | 1.4493% | 1,626 |
| Return on Equity (ROE) | 13.2914% | 1,093 |
| Retained earnings to average equity (ytd only) | 6.9747% | 1,517 |
| Net charge-offs to loans | 0.4899% | 3,034 |
| Credit loss provision to net charge-offs | 76.7766% | 4,608 |
| Earnings coverage of net charge-offs (x) | 4.8147% | 2,970 |
| Efficiency ratio | 64.8347% | 4,977 |
| Assets per employee ($millions) | 4.1382% | 3,573 |
| Cash dividends to net income (ytd only)* | 47.5245% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,563 |
| Loan loss allowance to noncurrent loans | 81.5609% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 3,810 |
| Noncurrent loans to loans | 1.9697% | 3,249 |
| Net loans and leases to total assets | 68.1098% | 2,378 |
| Net loans and leases to deposits | 79.9986% | 2,519 |
| Net loans and leases to core deposits | 84.7367% | 2,780 |
| Total domestic deposits to total assets | 85.1387% | 3,767 |
| Equity capital to assets | 11.5417% | 2,466 |
| Core capital (leverage) ratio | 10.6742% | 2,551 |
| Tier 1 risk-based capital ratio | 13.9805% | 4,340 |
| Total risk-based capital ratio | 15.2336% | 4,288 |
| Memoranda: | ||
| Average total assets | $234,735,400 | 2,683 |
| Average earning assets | $219,677,000 | 2,617 |
| Average equity | $25,377,400 | 2,538 |
| Average total loans | $160,834,200 | 2,484 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 3,542 |
| Cost of funding earning assets | 0.7580% | 5,417 |
| Net interest margin | 4.1447% | 2,289 |
| Noninterest income to average assets | 0.7746% | 2,172 |
| Noninterest expense to average assets | 3.0124% | 3,513 |
| Loan and lease loss provision to assets | 0.3156% | 3,009 |
| Net operating income to assets | 1.3075% | 1,361 |
| Return on assets (ROA) | 1.4274% | 1,172 |
| Pretax return on assets | 1.4456% | 1,796 |
| Return on Equity (ROE) | 13.4316% | 1,174 |
| Retained earnings to average equity (ytd only) | 5.9880% | 2,563 |
| Net charge-offs to loans | 0.3587% | 3,299 |
| Credit loss provision to net charge-offs | 128.7703% | 2,473 |
| Earnings coverage of net charge-offs (x) | 6.6914% | 2,506 |
| Efficiency ratio | 64.3320% | 5,007 |
| Assets per employee ($millions) | 4.0853% | 3,663 |
| Cash dividends to net income (ytd only)* | 55.4184% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 2,771 |
| Loan loss allowance to noncurrent loans | 79.0823% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7464% | 3,479 |
| Noncurrent loans to loans | 2.3447% | 2,954 |
| Net loans and leases to total assets | 65.4523% | 3,020 |
| Net loans and leases to deposits | 75.4625% | 3,419 |
| Net loans and leases to core deposits | 79.8240% | 3,664 |
| Total domestic deposits to total assets | 86.7349% | 2,800 |
| Equity capital to assets | 11.2828% | 2,881 |
| Core capital (leverage) ratio | 10.3435% | 3,044 |
| Tier 1 risk-based capital ratio | 13.9542% | 4,390 |
| Total risk-based capital ratio | 15.2097% | 4,355 |
| Memoranda: | ||
| Average total assets | $234,450,500 | 2,695 |
| Average earning assets | $219,358,750 | 2,635 |
| Average equity | $24,915,750 | 2,578 |
| Average total loans | $160,223,500 | 2,508 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 3,373 |
| Cost of funding earning assets | 0.8012% | 5,357 |
| Net interest margin | 4.1560% | 2,207 |
| Noninterest income to average assets | 0.6900% | 2,605 |
| Noninterest expense to average assets | 3.1008% | 3,252 |
| Loan and lease loss provision to assets | 0.3681% | 2,589 |
| Net operating income to assets | 1.1053% | 1,858 |
| Return on assets (ROA) | 1.1104% | 1,931 |
| Pretax return on assets | 1.1163% | 2,783 |
| Return on Equity (ROE) | 10.6707% | 1,906 |
| Retained earnings to average equity (ytd only) | 1.3657% | 5,310 |
| Net charge-offs to loans | 0.4461% | 2,788 |
| Credit loss provision to net charge-offs | 119.7772% | 2,556 |
| Earnings coverage of net charge-offs (x) | 4.8134% | 2,769 |
| Efficiency ratio | 67.2710% | 4,650 |
| Assets per employee ($millions) | 4.0228% | 3,708 |
| Cash dividends to net income (ytd only)* | 87.2012% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8053% | 2,973 |
| Loan loss allowance to noncurrent loans | 70.2564% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.8708% | 3,408 |
| Noncurrent loans to loans | 2.5696% | 2,808 |
| Net loans and leases to total assets | 67.0673% | 2,810 |
| Net loans and leases to deposits | 75.7931% | 3,518 |
| Net loans and leases to core deposits | 80.1340% | 3,768 |
| Total domestic deposits to total assets | 88.4873% | 1,865 |
| Equity capital to assets | 10.7966% | 3,177 |
| Core capital (leverage) ratio | 9.8608% | 3,436 |
| Tier 1 risk-based capital ratio | 13.4266% | 4,591 |
| Total risk-based capital ratio | 14.6825% | 4,569 |
| Memoranda: | ||
| Average total assets | $233,619,000 | 2,721 |
| Average earning assets | $218,674,000 | 2,659 |
| Average equity | $24,309,670 | 2,629 |
| Average total loans | $160,959,330 | 2,525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9337% | 3,392 |
| Cost of funding earning assets | 0.8415% | 5,323 |
| Net interest margin | 4.0922% | 2,296 |
| Noninterest income to average assets | 0.6656% | 2,751 |
| Noninterest expense to average assets | 3.0749% | 3,359 |
| Loan and lease loss provision to assets | 0.3645% | 2,375 |
| Net operating income to assets | 1.0609% | 1,973 |
| Return on assets (ROA) | 1.0712% | 1,996 |
| Pretax return on assets | 1.0643% | 2,887 |
| Return on Equity (ROE) | 10.4906% | 1,915 |
| Retained earnings to average equity (ytd only) | 3.4522% | 4,119 |
| Net charge-offs to loans | 0.8185% | 1,599 |
| Credit loss provision to net charge-offs | 64.3505% | 3,461 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 3,081 |
| Efficiency ratio | 68.0122% | 4,650 |
| Assets per employee ($millions) | 4.0250% | 3,790 |
| Cash dividends to net income (ytd only)* | 67.0927% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 3,355 |
| Loan loss allowance to noncurrent loans | 64.0916% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.8798% | 3,459 |
| Noncurrent loans to loans | 2.6433% | 2,855 |
| Net loans and leases to total assets | 65.6813% | 3,096 |
| Net loans and leases to deposits | 73.5995% | 3,824 |
| Net loans and leases to core deposits | 77.6876% | 4,064 |
| Total domestic deposits to total assets | 89.2415% | 1,624 |
| Equity capital to assets | 10.0957% | 3,651 |
| Core capital (leverage) ratio | 9.7772% | 3,413 |
| Tier 1 risk-based capital ratio | 12.8188% | 4,962 |
| Total risk-based capital ratio | 14.0719% | 4,942 |
| Memoranda: | ||
| Average total assets | $233,766,500 | 2,740 |
| Average earning assets | $218,661,000 | 2,679 |
| Average equity | $23,869,000 | 2,658 |
| Average total loans | $161,758,500 | 2,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 2,758 |
| Cost of funding earning assets | 1.1575% | 4,804 |
| Net interest margin | 4.2256% | 2,078 |
| Noninterest income to average assets | 0.8971% | 1,858 |
| Noninterest expense to average assets | 3.1268% | 3,360 |
| Loan and lease loss provision to assets | 0.6076% | 2,705 |
| Net operating income to assets | 1.0487% | 1,879 |
| Return on assets (ROA) | 1.0551% | 1,953 |
| Pretax return on assets | 1.0620% | 2,726 |
| Return on Equity (ROE) | 10.6220% | 1,718 |
| Retained earnings to average equity (ytd only) | 6.9293% | 1,352 |
| Net charge-offs to loans | 0.5016% | 3,610 |
| Credit loss provision to net charge-offs | 165.6471% | 2,069 |
| Earnings coverage of net charge-offs (x) | 4.5341% | 2,885 |
| Efficiency ratio | 64.8739% | 5,186 |
| Assets per employee ($millions) | 3.8993% | 4,005 |
| Cash dividends to net income (ytd only)* | 34.7648% | 2,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 3,211 |
| Loan loss allowance to noncurrent loans | 57.3238% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.2390% | 3,040 |
| Noncurrent loans to loans | 2.9693% | 2,576 |
| Net loans and leases to total assets | 70.4372% | 2,421 |
| Net loans and leases to deposits | 79.2985% | 3,292 |
| Net loans and leases to core deposits | 83.9168% | 3,605 |
| Total domestic deposits to total assets | 88.8253% | 1,755 |
| Equity capital to assets | 10.3292% | 3,353 |
| Core capital (leverage) ratio | 9.8022% | 3,310 |
| Tier 1 risk-based capital ratio | 12.4726% | 5,044 |
| Total risk-based capital ratio | 13.7261% | 5,028 |
| Memoranda: | ||
| Average total assets | $231,739,600 | 2,729 |
| Average earning assets | $213,485,000 | 2,709 |
| Average equity | $23,018,200 | 2,758 |
| Average total loans | $169,449,000 | 2,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 2,460 |
| Cost of funding earning assets | 1.2138% | 4,777 |
| Net interest margin | 4.2773% | 1,926 |
| Noninterest income to average assets | 0.8615% | 1,947 |
| Noninterest expense to average assets | 3.0949% | 3,360 |
| Loan and lease loss provision to assets | 0.7592% | 2,018 |
| Net operating income to assets | 0.9263% | 2,511 |
| Return on assets (ROA) | 0.9246% | 2,651 |
| Pretax return on assets | 0.9338% | 3,435 |
| Return on Equity (ROE) | 9.4018% | 2,349 |
| Retained earnings to average equity (ytd only) | 5.1155% | 2,904 |
| Net charge-offs to loans | 0.6667% | 2,763 |
| Credit loss provision to net charge-offs | 154.9824% | 2,476 |
| Earnings coverage of net charge-offs (x) | 3.4596% | 3,439 |
| Efficiency ratio | 64.2086% | 5,208 |
| Assets per employee ($millions) | 3.0118% | 6,123 |
| Cash dividends to net income (ytd only)* | 45.5900% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 3,438 |
| Loan loss allowance to noncurrent loans | 111.2613% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 4,639 |
| Noncurrent loans to loans | 1.4579% | 4,438 |
| Net loans and leases to total assets | 71.0582% | 2,475 |
| Net loans and leases to deposits | 79.9566% | 3,460 |
| Net loans and leases to core deposits | 84.9095% | 3,817 |
| Total domestic deposits to total assets | 88.8710% | 1,464 |
| Equity capital to assets | 10.3723% | 3,673 |
| Core capital (leverage) ratio | 9.6386% | 3,696 |
| Tier 1 risk-based capital ratio | 11.9247% | 5,531 |
| Total risk-based capital ratio | 13.1773% | 5,505 |
| Memoranda: | ||
| Average total assets | $232,160,500 | 2,756 |
| Average earning assets | $213,214,250 | 2,750 |
| Average equity | $22,832,000 | 2,826 |
| Average total loans | $170,598,500 | 2,506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,587 |
| Cost of funding earning assets | 1.2535% | 4,807 |
| Net interest margin | 3.8215% | 3,801 |
| Noninterest income to average assets | 0.7819% | 2,223 |
| Noninterest expense to average assets | 3.0752% | 3,413 |
| Loan and lease loss provision to assets | 0.9206% | 1,582 |
| Net operating income to assets | 0.2954% | 5,200 |
| Return on assets (ROA) | 0.2954% | 5,350 |
| Pretax return on assets | 0.2937% | 5,516 |
| Return on Equity (ROE) | 3.0591% | 5,188 |
| Retained earnings to average equity (ytd only) | -3.1840% | 6,324 |
| Net charge-offs to loans | 0.8344% | 2,170 |
| Credit loss provision to net charge-offs | 149.3017% | 2,642 |
| Earnings coverage of net charge-offs (x) | 1.9693% | 4,048 |
| Efficiency ratio | 71.2508% | 3,948 |
| Assets per employee ($millions) | 3.0168% | 6,114 |
| Cash dividends to net income (ytd only)* | 204.0816% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 3,701 |
| Loan loss allowance to noncurrent loans | 115.4461% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 4,842 |
| Noncurrent loans to loans | 1.3357% | 4,717 |
| Net loans and leases to total assets | 72.4337% | 2,290 |
| Net loans and leases to deposits | 80.9476% | 3,440 |
| Net loans and leases to core deposits | 86.1772% | 3,806 |
| Total domestic deposits to total assets | 89.4821% | 1,192 |
| Equity capital to assets | 9.7367% | 4,360 |
| Core capital (leverage) ratio | 9.1260% | 4,417 |
| Tier 1 risk-based capital ratio | 11.2996% | 5,941 |
| Total risk-based capital ratio | 12.5543% | 5,925 |
| Memoranda: | ||
| Average total assets | $232,245,000 | 2,776 |
| Average earning assets | $213,164,000 | 2,772 |
| Average equity | $22,424,670 | 2,872 |
| Average total loans | $171,629,330 | 2,519 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 2,372 |
| Cost of funding earning assets | 1.2988% | 4,821 |
| Net interest margin | 4.2487% | 1,857 |
| Noninterest income to average assets | 0.6726% | 2,795 |
| Noninterest expense to average assets | 3.0651% | 3,408 |
| Loan and lease loss provision to assets | 0.8694% | 1,469 |
| Net operating income to assets | 0.6056% | 3,871 |
| Return on assets (ROA) | 0.5921% | 4,072 |
| Pretax return on assets | 0.6041% | 4,589 |
| Return on Equity (ROE) | 6.1580% | 3,794 |
| Retained earnings to average equity (ytd only) | 5.3749% | 2,945 |
| Net charge-offs to loans | -0.0046% | 6,809 |
| Credit loss provision to net charge-offs | -25,400.0000% | 6,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9173% | 4,936 |
| Assets per employee ($millions) | 3.9465% | 4,003 |
| Cash dividends to net income (ytd only)* | 12.7168% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 3,345 |
| Loan loss allowance to noncurrent loans | 358.1818% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 6,260 |
| Noncurrent loans to loans | 0.4536% | 6,392 |
| Net loans and leases to total assets | 71.7113% | 2,519 |
| Net loans and leases to deposits | 80.1033% | 3,640 |
| Net loans and leases to core deposits | 85.2846% | 3,993 |
| Total domestic deposits to total assets | 89.5235% | 1,232 |
| Equity capital to assets | 9.6824% | 4,254 |
| Core capital (leverage) ratio | 9.1927% | 4,240 |
| Tier 1 risk-based capital ratio | 11.5019% | 5,670 |
| Total risk-based capital ratio | 12.7542% | 5,650 |
| Memoranda: | ||
| Average total assets | $233,729,500 | 2,827 |
| Average earning assets | $213,431,500 | 2,823 |
| Average equity | $22,475,000 | 2,879 |
| Average total loans | $173,107,000 | 2,568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 3,002 |
| Cost of funding earning assets | 1.5468% | 5,301 |
| Net interest margin | 4.1742% | 2,156 |
| Noninterest income to average assets | 0.9621% | 1,694 |
| Noninterest expense to average assets | 3.0442% | 3,968 |
| Loan and lease loss provision to assets | 0.4340% | 4,223 |
| Net operating income to assets | 1.2966% | 1,043 |
| Return on assets (ROA) | 1.2949% | 1,093 |
| Pretax return on assets | 1.3140% | 1,659 |
| Return on Equity (ROE) | 13.3840% | 892 |
| Retained earnings to average equity (ytd only) | 1.2828% | 4,148 |
| Net charge-offs to loans | 0.2855% | 4,845 |
| Credit loss provision to net charge-offs | 196.8504% | 2,007 |
| Earnings coverage of net charge-offs (x) | 7.9370% | 2,036 |
| Efficiency ratio | 63.0941% | 5,949 |
| Assets per employee ($millions) | 4.1160% | 3,584 |
| Cash dividends to net income (ytd only)* | 90.4155% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,916 |
| Loan loss allowance to noncurrent loans | 195.9895% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 6,166 |
| Noncurrent loans to loans | 0.6499% | 5,936 |
| Net loans and leases to total assets | 74.2631% | 2,213 |
| Net loans and leases to deposits | 83.2164% | 3,421 |
| Net loans and leases to core deposits | 96.9480% | 4,356 |
| Total domestic deposits to total assets | 89.2410% | 1,369 |
| Equity capital to assets | 9.5498% | 4,353 |
| Core capital (leverage) ratio | 9.3171% | 3,952 |
| Tier 1 risk-based capital ratio | 11.0362% | 5,889 |
| Total risk-based capital ratio | 12.1941% | 5,946 |
| Memoranda: | ||
| Average total assets | $230,437,800 | 2,819 |
| Average earning assets | $211,538,000 | 2,820 |
| Average equity | $22,295,200 | 2,912 |
| Average total loans | $177,936,000 | 2,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 3,058 |
| Cost of funding earning assets | 1.6091% | 5,359 |
| Net interest margin | 4.1515% | 2,209 |
| Noninterest income to average assets | 0.9718% | 1,702 |
| Noninterest expense to average assets | 3.0776% | 3,736 |
| Loan and lease loss provision to assets | 0.2999% | 4,569 |
| Net operating income to assets | 1.3792% | 1,070 |
| Return on assets (ROA) | 1.3775% | 1,132 |
| Pretax return on assets | 1.4135% | 1,664 |
| Return on Equity (ROE) | 14.1906% | 894 |
| Retained earnings to average equity (ytd only) | 2.9160% | 3,690 |
| Net charge-offs to loans | 0.0568% | 6,137 |
| Credit loss provision to net charge-offs | 678.9474% | 553 |
| Earnings coverage of net charge-offs (x) | 38.8293% | 766 |
| Efficiency ratio | 63.8006% | 5,796 |
| Assets per employee ($millions) | 3.6914% | 4,445 |
| Cash dividends to net income (ytd only)* | 79.4514% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,821 |
| Loan loss allowance to noncurrent loans | 225.9259% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 6,374 |
| Noncurrent loans to loans | 0.5535% | 6,209 |
| Net loans and leases to total assets | 77.0100% | 1,784 |
| Net loans and leases to deposits | 87.2550% | 3,098 |
| Net loans and leases to core deposits | 100.2092% | 4,349 |
| Total domestic deposits to total assets | 88.2585% | 1,534 |
| Equity capital to assets | 10.1627% | 3,892 |
| Core capital (leverage) ratio | 9.4986% | 3,910 |
| Tier 1 risk-based capital ratio | 11.3039% | 5,632 |
| Total risk-based capital ratio | 12.4523% | 5,701 |
| Memoranda: | ||
| Average total assets | $229,394,000 | 2,850 |
| Average earning assets | $211,133,000 | 2,838 |
| Average equity | $22,267,750 | 2,938 |
| Average total loans | $178,300,250 | 2,562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7444% | 3,324 |
| Cost of funding earning assets | 1.6984% | 5,280 |
| Net interest margin | 4.0460% | 2,521 |
| Noninterest income to average assets | 0.9931% | 1,613 |
| Noninterest expense to average assets | 2.9991% | 4,089 |
| Loan and lease loss provision to assets | 0.3605% | 3,764 |
| Net operating income to assets | 1.3509% | 1,123 |
| Return on assets (ROA) | 1.3501% | 1,194 |
| Pretax return on assets | 1.3588% | 1,836 |
| Return on Equity (ROE) | 14.1236% | 970 |
| Retained earnings to average equity (ytd only) | 0.3445% | 5,083 |
| Net charge-offs to loans | -0.0279% | 7,762 |
| Credit loss provision to net charge-offs | -1,664.0000% | 7,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1289% | 6,068 |
| Assets per employee ($millions) | 3.9448% | 3,787 |
| Cash dividends to net income (ytd only)* | 97.5610% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 4,611 |
| Loan loss allowance to noncurrent loans | 178.7632% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 6,071 |
| Noncurrent loans to loans | 0.6987% | 5,850 |
| Net loans and leases to total assets | 74.6291% | 2,537 |
| Net loans and leases to deposits | 84.2108% | 3,840 |
| Net loans and leases to core deposits | 98.1655% | 4,683 |
| Total domestic deposits to total assets | 88.6218% | 1,473 |
| Equity capital to assets | 9.6282% | 4,459 |
| Core capital (leverage) ratio | 9.0667% | 4,522 |
| Tier 1 risk-based capital ratio | 11.0539% | 5,827 |
| Total risk-based capital ratio | 12.2018% | 5,869 |
| Memoranda: | ||
| Average total assets | $230,800,000 | 2,853 |
| Average earning assets | $212,553,330 | 2,833 |
| Average equity | $22,062,330 | 2,963 |
| Average total loans | $179,199,000 | 2,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9720% | 2,474 |
| Cost of funding earning assets | 1.7778% | 5,221 |
| Net interest margin | 4.1942% | 1,921 |
| Noninterest income to average assets | 0.9625% | 1,596 |
| Noninterest expense to average assets | 2.9639% | 3,921 |
| Loan and lease loss provision to assets | 0.4873% | 2,531 |
| Net operating income to assets | 1.3575% | 1,241 |
| Return on assets (ROA) | 1.3575% | 1,329 |
| Pretax return on assets | 1.3749% | 2,044 |
| Return on Equity (ROE) | 14.2537% | 1,117 |
| Retained earnings to average equity (ytd only) | 4.7512% | 3,263 |
| Net charge-offs to loans | -0.0464% | 7,674 |
| Credit loss provision to net charge-offs | -1,333.3333% | 6,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0169% | 6,248 |
| Assets per employee ($millions) | 3.8653% | 3,950 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,070 |
| Loan loss allowance to noncurrent loans | 1,094.1489% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 7,301 |
| Noncurrent loans to loans | 0.1058% | 7,227 |
| Net loans and leases to total assets | 75.7572% | 2,330 |
| Net loans and leases to deposits | 85.9263% | 3,644 |
| Net loans and leases to core deposits | 102.9551% | 4,245 |
| Total domestic deposits to total assets | 88.1653% | 1,670 |
| Equity capital to assets | 9.7249% | 4,348 |
| Core capital (leverage) ratio | 9.3654% | 4,151 |
| Tier 1 risk-based capital ratio | 11.1558% | 5,753 |
| Total risk-based capital ratio | 12.2298% | 5,822 |
| Memoranda: | ||
| Average total assets | $229,828,500 | 2,873 |
| Average earning assets | $211,723,000 | 2,859 |
| Average equity | $21,889,000 | 2,992 |
| Average total loans | $180,853,000 | 2,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5065% | 2,926 |
| Cost of funding earning assets | 2.5491% | 3,962 |
| Net interest margin | 3.9573% | 3,328 |
| Noninterest income to average assets | 0.9443% | 1,794 |
| Noninterest expense to average assets | 2.9225% | 4,369 |
| Loan and lease loss provision to assets | 0.1232% | 5,783 |
| Net operating income to assets | 1.5116% | 996 |
| Return on assets (ROA) | 1.5120% | 964 |
| Pretax return on assets | 1.5269% | 1,605 |
| Return on Equity (ROE) | 17.5561% | 571 |
| Retained earnings to average equity (ytd only) | 8.1257% | 808 |
| Net charge-offs to loans | 0.0992% | 5,327 |
| Credit loss provision to net charge-offs | 158.3815% | 3,276 |
| Earnings coverage of net charge-offs (x) | 21.2139% | 1,540 |
| Efficiency ratio | 63.4782% | 5,672 |
| Assets per employee ($millions) | 3.7956% | 3,968 |
| Cash dividends to net income (ytd only)* | 53.7158% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,375 |
| Loan loss allowance to noncurrent loans | 5,017.1429% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 7,546 |
| Noncurrent loans to loans | 0.0190% | 7,446 |
| Net loans and leases to total assets | 80.0032% | 1,662 |
| Net loans and leases to deposits | 90.1140% | 3,435 |
| Net loans and leases to core deposits | 108.9258% | 3,869 |
| Total domestic deposits to total assets | 88.7800% | 1,121 |
| Equity capital to assets | 9.3195% | 4,916 |
| Core capital (leverage) ratio | 9.0535% | 4,666 |
| Tier 1 risk-based capital ratio | 10.4530% | 6,259 |
| Total risk-based capital ratio | 11.3442% | 6,503 |
| Memoranda: | ||
| Average total assets | $222,482,200 | 2,843 |
| Average earning assets | $203,950,800 | 2,859 |
| Average equity | $19,161,400 | 3,370 |
| Average total loans | $174,469,000 | 2,563 |