Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 2,800 |
| Cost of funding earning assets | 3.0799% | 268 |
| Net interest margin | 2.0845% | 4,262 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 1.4558% | 4,247 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7019% | 3,108 |
| Return on assets (ROA) | 0.7019% | 3,120 |
| Pretax return on assets | 0.7306% | 3,334 |
| Return on Equity (ROE) | 7.9200% | 2,878 |
| Retained earnings to average equity (ytd only) | 3.7714% | 2,911 |
| Net charge-offs to loans | 0.0128% | 1,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 841 |
| Efficiency ratio | 66.5845% | 2,176 |
| Assets per employee ($millions) | 15.4649% | 206 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,217 |
| Loan loss allowance to noncurrent loans | 6,868.5864% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,627 |
| Noncurrent loans to loans | 0.0146% | 3,660 |
| Net loans and leases to total assets | 79.8400% | 613 |
| Net loans and leases to deposits | 103.7435% | 281 |
| Net loans and leases to core deposits | 133.6391% | 284 |
| Total domestic deposits to total assets | 76.9600% | 3,909 |
| Equity capital to assets | 8.8948% | 3,011 |
| Core capital (leverage) ratio | 9.6894% | 3,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3958% | 2,078 |
| Memoranda: | ||
| Average total assets | $1,632,687,500 | 689 |
| Average earning assets | $1,558,903,500 | 665 |
| Average equity | $144,775,500 | 774 |
| Average total loans | $1,316,605,000 | 626 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 2,943 |
| Cost of funding earning assets | 3.3342% | 261 |
| Net interest margin | 1.7509% | 4,340 |
| Noninterest income to average assets | 0.2000% | 3,704 |
| Noninterest expense to average assets | 1.4612% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4028% | 3,672 |
| Return on assets (ROA) | 0.4028% | 3,699 |
| Pretax return on assets | 0.4190% | 3,770 |
| Return on Equity (ROE) | 4.5200% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.1188% | 2,996 |
| Net charge-offs to loans | 0.0930% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 5.5793% | 2,566 |
| Efficiency ratio | 77.7170% | 1,231 |
| Assets per employee ($millions) | 16.0937% | 179 |
| Cash dividends to net income (ytd only)* | 30.9406% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9943% | 3,266 |
| Loan loss allowance to noncurrent loans | 3,605.7534% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,553 |
| Noncurrent loans to loans | 0.0276% | 3,546 |
| Net loans and leases to total assets | 79.8300% | 676 |
| Net loans and leases to deposits | 113.5943% | 127 |
| Net loans and leases to core deposits | 138.9801% | 260 |
| Total domestic deposits to total assets | 70.2800% | 4,199 |
| Equity capital to assets | 8.8401% | 2,942 |
| Core capital (leverage) ratio | 9.6514% | 3,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2776% | 2,123 |
| Memoranda: | ||
| Average total assets | $1,604,702,000 | 703 |
| Average earning assets | $1,537,023,400 | 665 |
| Average equity | $143,133,600 | 756 |
| Average total loans | $1,295,597,600 | 618 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 2,958 |
| Cost of funding earning assets | 3.4097% | 235 |
| Net interest margin | 1.6381% | 4,392 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.4850% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2809% | 3,889 |
| Return on assets (ROA) | 0.2809% | 3,918 |
| Pretax return on assets | 0.2952% | 3,952 |
| Return on Equity (ROE) | 3.1400% | 3,866 |
| Retained earnings to average equity (ytd only) | 1.2722% | 3,648 |
| Net charge-offs to loans | 0.1210% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.0222% | 2,553 |
| Efficiency ratio | 83.4155% | 855 |
| Assets per employee ($millions) | 15.2834% | 202 |
| Cash dividends to net income (ytd only)* | 59.5061% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,203 |
| Loan loss allowance to noncurrent loans | 3,033.7931% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 3,533 |
| Noncurrent loans to loans | 0.0332% | 3,566 |
| Net loans and leases to total assets | 80.0400% | 624 |
| Net loans and leases to deposits | 107.5510% | 224 |
| Net loans and leases to core deposits | 137.8766% | 275 |
| Total domestic deposits to total assets | 74.4200% | 4,040 |
| Equity capital to assets | 8.9927% | 3,049 |
| Core capital (leverage) ratio | 9.6144% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1598% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,595,488,500 | 694 |
| Average earning assets | $1,528,572,750 | 664 |
| Average equity | $142,638,000 | 750 |
| Average total loans | $1,288,594,750 | 617 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9971% | 2,956 |
| Cost of funding earning assets | 3.4085% | 212 |
| Net interest margin | 1.5886% | 4,417 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.4708% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.2360% | 3,946 |
| Return on assets (ROA) | 0.2360% | 3,985 |
| Pretax return on assets | 0.2480% | 4,006 |
| Return on Equity (ROE) | 2.6500% | 3,935 |
| Retained earnings to average equity (ytd only) | -0.1794% | 3,939 |
| Net charge-offs to loans | 0.1698% | 616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.8088% | 2,443 |
| Efficiency ratio | 85.5729% | 765 |
| Assets per employee ($millions) | 13.7932% | 266 |
| Cash dividends to net income (ytd only)* | 106.7806% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 3,164 |
| Loan loss allowance to noncurrent loans | 3,378.6260% | 301 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,226 |
| Noncurrent loans to loans | 0.0302% | 3,557 |
| Net loans and leases to total assets | 80.3800% | 630 |
| Net loans and leases to deposits | 107.2709% | 279 |
| Net loans and leases to core deposits | 134.6754% | 332 |
| Total domestic deposits to total assets | 74.9300% | 3,988 |
| Equity capital to assets | 8.7939% | 2,888 |
| Core capital (leverage) ratio | 9.5945% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1363% | 2,203 |
| Memoranda: | ||
| Average total assets | $1,587,304,333 | 704 |
| Average earning assets | $1,522,131,000 | 671 |
| Average equity | $141,622,000 | 746 |
| Average total loans | $1,281,486,000 | 623 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9520% | 2,888 |
| Cost of funding earning assets | 3.3833% | 198 |
| Net interest margin | 1.5687% | 4,451 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 1.4482% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2206% | 3,943 |
| Return on assets (ROA) | 0.2206% | 3,977 |
| Pretax return on assets | 0.2348% | 3,988 |
| Return on Equity (ROE) | 2.4500% | 3,942 |
| Retained earnings to average equity (ytd only) | -3.1756% | 4,019 |
| Net charge-offs to loans | 0.0610% | 961 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 4.7835% | 1,887 |
| Efficiency ratio | 86.0493% | 780 |
| Assets per employee ($millions) | 13.9866% | 270 |
| Cash dividends to net income (ytd only)* | 229.3578% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1085% | 2,771 |
| Loan loss allowance to noncurrent loans | 499.1899% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 2,046 |
| Noncurrent loans to loans | 0.2221% | 2,534 |
| Net loans and leases to total assets | 79.9900% | 621 |
| Net loans and leases to deposits | 104.7070% | 312 |
| Net loans and leases to core deposits | 134.2108% | 350 |
| Total domestic deposits to total assets | 76.4000% | 3,952 |
| Equity capital to assets | 8.9151% | 2,735 |
| Core capital (leverage) ratio | 9.6144% | 3,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3088% | 2,142 |
| Memoranda: | ||
| Average total assets | $1,580,953,000 | 710 |
| Average earning assets | $1,517,204,000 | 677 |
| Average equity | $142,081,500 | 744 |
| Average total loans | $1,272,578,500 | 623 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 2,680 |
| Cost of funding earning assets | 2.8743% | 181 |
| Net interest margin | 1.8264% | 4,455 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.4687% | 4,346 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4311% | 3,806 |
| Return on assets (ROA) | 0.4311% | 3,805 |
| Pretax return on assets | 0.4508% | 3,894 |
| Return on Equity (ROE) | 4.7500% | 3,769 |
| Retained earnings to average equity (ytd only) | -0.9439% | 4,178 |
| Net charge-offs to loans | 0.0347% | 1,611 |
| Credit loss provision to net charge-offs | 76.5376% | 2,046 |
| Earnings coverage of net charge-offs (x) | 16.6651% | 1,997 |
| Efficiency ratio | 75.6572% | 1,279 |
| Assets per employee ($millions) | 14.1199% | 253 |
| Cash dividends to net income (ytd only)* | 119.8681% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 2,629 |
| Loan loss allowance to noncurrent loans | 577.1796% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,905 |
| Noncurrent loans to loans | 0.1965% | 2,529 |
| Net loans and leases to total assets | 79.1900% | 744 |
| Net loans and leases to deposits | 100.9225% | 485 |
| Net loans and leases to core deposits | 129.2504% | 411 |
| Total domestic deposits to total assets | 78.4700% | 3,674 |
| Equity capital to assets | 9.0591% | 2,634 |
| Core capital (leverage) ratio | 9.7746% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5621% | 2,039 |
| Memoranda: | ||
| Average total assets | $1,548,201,800 | 699 |
| Average earning assets | $1,484,202,000 | 669 |
| Average equity | $140,485,000 | 710 |
| Average total loans | $1,264,395,000 | 601 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6508% | 2,568 |
| Cost of funding earning assets | 2.7749% | 168 |
| Net interest margin | 1.8760% | 4,474 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.5027% | 4,318 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.4533% | 3,859 |
| Return on assets (ROA) | 0.4533% | 3,859 |
| Pretax return on assets | 0.4766% | 3,943 |
| Return on Equity (ROE) | 4.9900% | 3,806 |
| Retained earnings to average equity (ytd only) | -0.7296% | 4,233 |
| Net charge-offs to loans | 0.0384% | 1,338 |
| Credit loss provision to net charge-offs | 84.0659% | 1,734 |
| Earnings coverage of net charge-offs (x) | 15.9643% | 1,946 |
| Efficiency ratio | 74.9158% | 1,276 |
| Assets per employee ($millions) | 13.1143% | 293 |
| Cash dividends to net income (ytd only)* | 114.6132% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,632 |
| Loan loss allowance to noncurrent loans | 529.6215% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3717% | 1,545 |
| Noncurrent loans to loans | 0.2167% | 2,486 |
| Net loans and leases to total assets | 80.9100% | 550 |
| Net loans and leases to deposits | 104.3299% | 342 |
| Net loans and leases to core deposits | 127.5730% | 378 |
| Total domestic deposits to total assets | 77.5500% | 3,873 |
| Equity capital to assets | 8.4360% | 2,761 |
| Core capital (leverage) ratio | 9.8415% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5972% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,539,896,250 | 706 |
| Average earning assets | $1,475,404,750 | 676 |
| Average equity | $139,790,750 | 709 |
| Average total loans | $1,263,822,250 | 599 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5532% | 2,522 |
| Cost of funding earning assets | 2.6170% | 152 |
| Net interest margin | 1.9362% | 4,512 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.4770% | 4,356 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5059% | 3,797 |
| Return on assets (ROA) | 0.5059% | 3,806 |
| Pretax return on assets | 0.5325% | 3,908 |
| Return on Equity (ROE) | 5.4500% | 3,812 |
| Retained earnings to average equity (ytd only) | 1.2566% | 3,864 |
| Net charge-offs to loans | 0.0420% | 1,091 |
| Credit loss provision to net charge-offs | 82.7068% | 1,542 |
| Earnings coverage of net charge-offs (x) | 16.2594% | 1,834 |
| Efficiency ratio | 72.4715% | 1,508 |
| Assets per employee ($millions) | 12.9976% | 298 |
| Cash dividends to net income (ytd only)* | 76.9231% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,733 |
| Loan loss allowance to noncurrent loans | 2,011.5760% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 1,748 |
| Noncurrent loans to loans | 0.0569% | 3,287 |
| Net loans and leases to total assets | 80.5400% | 577 |
| Net loans and leases to deposits | 106.2736% | 298 |
| Net loans and leases to core deposits | 126.2974% | 379 |
| Total domestic deposits to total assets | 75.7800% | 4,067 |
| Equity capital to assets | 9.1874% | 2,382 |
| Core capital (leverage) ratio | 10.0165% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7745% | 2,000 |
| Memoranda: | ||
| Average total assets | $1,541,737,667 | 693 |
| Average earning assets | $1,478,645,667 | 668 |
| Average equity | $143,241,333 | 688 |
| Average total loans | $1,266,485,667 | 586 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2311% | 1,191 |
| Cost of funding earning assets | 1.0146% | 150 |
| Net interest margin | 3.2165% | 2,821 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 1.6252% | 4,275 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.5294% | 825 |
| Return on assets (ROA) | 1.5255% | 800 |
| Pretax return on assets | 1.5975% | 1,176 |
| Return on Equity (ROE) | 15.7700% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.9812% | 2,253 |
| Net charge-offs to loans | 0.1327% | 598 |
| Credit loss provision to net charge-offs | 131.4994% | 1,398 |
| Earnings coverage of net charge-offs (x) | 15.5514% | 2,002 |
| Efficiency ratio | 48.1568% | 4,231 |
| Assets per employee ($millions) | 12.5417% | 343 |
| Cash dividends to net income (ytd only)* | 55.7364% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 2,749 |
| Loan loss allowance to noncurrent loans | 463.4529% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 1,029 |
| Noncurrent loans to loans | 0.2435% | 2,303 |
| Net loans and leases to total assets | 82.1700% | 392 |
| Net loans and leases to deposits | 104.0597% | 299 |
| Net loans and leases to core deposits | 128.7242% | 243 |
| Total domestic deposits to total assets | 78.9600% | 4,008 |
| Equity capital to assets | 9.2602% | 2,188 |
| Core capital (leverage) ratio | 10.1000% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3141% | 1,844 |
| Memoranda: | ||
| Average total assets | $1,470,174,000 | 714 |
| Average earning assets | $1,417,773,600 | 683 |
| Average equity | $142,195,800 | 705 |
| Average total loans | $1,246,834,400 | 562 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 950 |
| Cost of funding earning assets | 0.7412% | 210 |
| Net interest margin | 3.4236% | 1,901 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.7208% | 4,120 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.6444% | 598 |
| Return on assets (ROA) | 1.6391% | 593 |
| Pretax return on assets | 1.7277% | 855 |
| Return on Equity (ROE) | 16.7600% | 842 |
| Retained earnings to average equity (ytd only) | 7.3700% | 2,240 |
| Net charge-offs to loans | 0.1481% | 445 |
| Credit loss provision to net charge-offs | 124.7273% | 1,202 |
| Earnings coverage of net charge-offs (x) | 14.9760% | 1,854 |
| Efficiency ratio | 47.6470% | 4,295 |
| Assets per employee ($millions) | 12.0327% | 382 |
| Cash dividends to net income (ytd only)* | 56.0193% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,996 |
| Loan loss allowance to noncurrent loans | 181.8043% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 1,041 |
| Noncurrent loans to loans | 0.6075% | 1,337 |
| Net loans and leases to total assets | 85.0500% | 180 |
| Net loans and leases to deposits | 103.2446% | 257 |
| Net loans and leases to core deposits | 124.8708% | 190 |
| Total domestic deposits to total assets | 82.3800% | 3,772 |
| Equity capital to assets | 8.9515% | 2,244 |
| Core capital (leverage) ratio | 10.2488% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1358% | 1,998 |
| Memoranda: | ||
| Average total assets | $1,452,061,250 | 726 |
| Average earning assets | $1,401,458,750 | 694 |
| Average equity | $142,032,250 | 712 |
| Average total loans | $1,238,034,500 | 558 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0808% | 806 |
| Cost of funding earning assets | 0.5565% | 376 |
| Net interest margin | 3.5243% | 1,252 |
| Noninterest income to average assets | 0.3541% | 3,035 |
| Noninterest expense to average assets | 1.7608% | 4,036 |
| Loan and lease loss provision to assets | 0.1610% | 576 |
| Net operating income to assets | 1.7444% | 386 |
| Return on assets (ROA) | 1.7410% | 382 |
| Pretax return on assets | 1.8319% | 554 |
| Return on Equity (ROE) | 17.2862% | 536 |
| Retained earnings to average equity (ytd only) | 7.5974% | 1,769 |
| Net charge-offs to loans | 0.1402% | 467 |
| Credit loss provision to net charge-offs | 135.0877% | 1,136 |
| Earnings coverage of net charge-offs (x) | 16.7509% | 1,618 |
| Efficiency ratio | 46.8631% | 4,403 |
| Assets per employee ($millions) | 12.4398% | 333 |
| Cash dividends to net income (ytd only)* | 56.0493% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 3,088 |
| Loan loss allowance to noncurrent loans | 310.8881% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 1,771 |
| Noncurrent loans to loans | 0.3597% | 2,070 |
| Net loans and leases to total assets | 85.0990% | 128 |
| Net loans and leases to deposits | 102.3268% | 201 |
| Net loans and leases to core deposits | 117.5161% | 225 |
| Total domestic deposits to total assets | 83.1640% | 3,848 |
| Equity capital to assets | 9.4624% | 2,046 |
| Core capital (leverage) ratio | 10.2177% | 2,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1997% | 1,976 |
| Memoranda: | ||
| Average total assets | $1,434,719,667 | 726 |
| Average earning assets | $1,385,402,667 | 696 |
| Average equity | $144,496,667 | 709 |
| Average total loans | $1,219,516,667 | 558 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 804 |
| Cost of funding earning assets | 0.3832% | 967 |
| Net interest margin | 3.5932% | 908 |
| Noninterest income to average assets | 0.2955% | 3,350 |
| Noninterest expense to average assets | 1.7701% | 4,014 |
| Loan and lease loss provision to assets | 0.1275% | 646 |
| Net operating income to assets | 1.7707% | 350 |
| Return on assets (ROA) | 1.7707% | 351 |
| Pretax return on assets | 1.8650% | 476 |
| Return on Equity (ROE) | 17.0408% | 419 |
| Retained earnings to average equity (ytd only) | 6.1347% | 2,205 |
| Net charge-offs to loans | 0.0178% | 1,174 |
| Credit loss provision to net charge-offs | 849.0566% | 382 |
| Earnings coverage of net charge-offs (x) | 132.6981% | 577 |
| Efficiency ratio | 47.0447% | 4,454 |
| Assets per employee ($millions) | 11.8064% | 421 |
| Cash dividends to net income (ytd only)* | 64.0000% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,971 |
| Loan loss allowance to noncurrent loans | 350.8193% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 2,000 |
| Noncurrent loans to loans | 0.3361% | 2,281 |
| Net loans and leases to total assets | 82.7923% | 130 |
| Net loans and leases to deposits | 110.0851% | 68 |
| Net loans and leases to core deposits | 118.6595% | 156 |
| Total domestic deposits to total assets | 75.2075% | 4,533 |
| Equity capital to assets | 9.9246% | 1,954 |
| Core capital (leverage) ratio | 10.6475% | 1,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3602% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,411,908,500 | 736 |
| Average earning assets | $1,362,360,500 | 711 |
| Average equity | $146,707,000 | 722 |
| Average total loans | $1,192,273,000 | 565 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3644% | 760 |
| Cost of funding earning assets | 0.3932% | 1,594 |
| Net interest margin | 3.9712% | 749 |
| Noninterest income to average assets | 0.4163% | 2,969 |
| Noninterest expense to average assets | 1.7260% | 4,263 |
| Loan and lease loss provision to assets | 0.0896% | 1,384 |
| Net operating income to assets | 2.3254% | 200 |
| Return on assets (ROA) | 2.3254% | 209 |
| Pretax return on assets | 2.4414% | 277 |
| Return on Equity (ROE) | 22.7118% | 189 |
| Retained earnings to average equity (ytd only) | 16.2321% | 163 |
| Net charge-offs to loans | 0.0115% | 2,134 |
| Credit loss provision to net charge-offs | 927.4809% | 558 |
| Earnings coverage of net charge-offs (x) | 262.0916% | 448 |
| Efficiency ratio | 40.5462% | 4,675 |
| Assets per employee ($millions) | 11.0616% | 497 |
| Cash dividends to net income (ytd only)* | 28.5298% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,912 |
| Loan loss allowance to noncurrent loans | 339.2848% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 2,038 |
| Noncurrent loans to loans | 0.3520% | 2,320 |
| Net loans and leases to total assets | 84.1302% | 107 |
| Net loans and leases to deposits | 103.3141% | 136 |
| Net loans and leases to core deposits | 114.0194% | 229 |
| Total domestic deposits to total assets | 81.4314% | 4,052 |
| Equity capital to assets | 10.8841% | 1,872 |
| Core capital (leverage) ratio | 10.8503% | 1,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7392% | 1,957 |
| Memoranda: | ||
| Average total assets | $1,356,582,800 | 734 |
| Average earning assets | $1,311,992,600 | 709 |
| Average equity | $138,897,200 | 759 |
| Average total loans | $1,142,430,200 | 583 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4680% | 710 |
| Cost of funding earning assets | 0.4132% | 1,601 |
| Net interest margin | 4.0547% | 709 |
| Noninterest income to average assets | 0.4553% | 2,818 |
| Noninterest expense to average assets | 1.7651% | 4,230 |
| Loan and lease loss provision to assets | 0.1197% | 988 |
| Net operating income to assets | 2.3680% | 253 |
| Return on assets (ROA) | 2.3680% | 263 |
| Pretax return on assets | 2.4928% | 336 |
| Return on Equity (ROE) | 23.5036% | 230 |
| Retained earnings to average equity (ytd only) | 17.6343% | 214 |
| Net charge-offs to loans | 0.0096% | 1,961 |
| Credit loss provision to net charge-offs | 1,481.7073% | 407 |
| Earnings coverage of net charge-offs (x) | 323.2683% | 417 |
| Efficiency ratio | 40.3201% | 4,712 |
| Assets per employee ($millions) | 11.0872% | 471 |
| Cash dividends to net income (ytd only)* | 24.9719% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 2,715 |
| Loan loss allowance to noncurrent loans | 1,155.8216% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,499 |
| Noncurrent loans to loans | 0.1084% | 3,553 |
| Net loans and leases to total assets | 81.5458% | 213 |
| Net loans and leases to deposits | 97.8602% | 278 |
| Net loans and leases to core deposits | 105.8976% | 409 |
| Total domestic deposits to total assets | 83.3288% | 3,625 |
| Equity capital to assets | 10.7298% | 2,236 |
| Core capital (leverage) ratio | 10.6589% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8833% | 2,010 |
| Memoranda: | ||
| Average total assets | $1,352,820,000 | 744 |
| Average earning assets | $1,308,633,500 | 718 |
| Average equity | $136,299,000 | 783 |
| Average total loans | $1,136,061,250 | 597 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 596 |
| Cost of funding earning assets | 0.4439% | 1,564 |
| Net interest margin | 4.1839% | 597 |
| Noninterest income to average assets | 0.2844% | 3,720 |
| Noninterest expense to average assets | 1.6850% | 4,380 |
| Loan and lease loss provision to assets | 0.1338% | 921 |
| Net operating income to assets | 2.3965% | 247 |
| Return on assets (ROA) | 2.3965% | 266 |
| Pretax return on assets | 2.5201% | 348 |
| Return on Equity (ROE) | 24.3129% | 218 |
| Retained earnings to average equity (ytd only) | 19.8135% | 164 |
| Net charge-offs to loans | 0.0137% | 1,678 |
| Credit loss provision to net charge-offs | 1,160.2564% | 432 |
| Earnings coverage of net charge-offs (x) | 230.1538% | 457 |
| Efficiency ratio | 38.8348% | 4,782 |
| Assets per employee ($millions) | 10.8534% | 482 |
| Cash dividends to net income (ytd only)* | 18.5060% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,870 |
| Loan loss allowance to noncurrent loans | 976.5335% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,524 |
| Noncurrent loans to loans | 0.1239% | 3,572 |
| Net loans and leases to total assets | 83.7083% | 143 |
| Net loans and leases to deposits | 98.5072% | 299 |
| Net loans and leases to core deposits | 116.1494% | 260 |
| Total domestic deposits to total assets | 84.9769% | 3,103 |
| Equity capital to assets | 10.5403% | 2,363 |
| Core capital (leverage) ratio | 10.1030% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6378% | 2,108 |
| Memoranda: | ||
| Average total assets | $1,352,879,667 | 744 |
| Average earning assets | $1,311,015,333 | 716 |
| Average equity | $133,353,333 | 791 |
| Average total loans | $1,142,408,667 | 598 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 909 |
| Cost of funding earning assets | 0.4756% | 1,552 |
| Net interest margin | 3.9272% | 943 |
| Noninterest income to average assets | 0.2735% | 3,765 |
| Noninterest expense to average assets | 1.5955% | 4,543 |
| Loan and lease loss provision to assets | 0.1322% | 1,034 |
| Net operating income to assets | 2.2296% | 393 |
| Return on assets (ROA) | 2.2296% | 426 |
| Pretax return on assets | 2.3486% | 558 |
| Return on Equity (ROE) | 23.4155% | 318 |
| Retained earnings to average equity (ytd only) | 14.1616% | 740 |
| Net charge-offs to loans | 0.0174% | 1,402 |
| Credit loss provision to net charge-offs | 900.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 168.9200% | 452 |
| Efficiency ratio | 39.1411% | 4,772 |
| Assets per employee ($millions) | 11.6920% | 374 |
| Cash dividends to net income (ytd only)* | 39.5205% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,203 |
| Loan loss allowance to noncurrent loans | 134.3598% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 1,297 |
| Noncurrent loans to loans | 0.8538% | 1,571 |
| Net loans and leases to total assets | 82.8434% | 188 |
| Net loans and leases to deposits | 98.3698% | 334 |
| Net loans and leases to core deposits | 118.7012% | 257 |
| Total domestic deposits to total assets | 84.2163% | 3,367 |
| Equity capital to assets | 9.5249% | 3,174 |
| Core capital (leverage) ratio | 9.4722% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7862% | 2,382 |
| Memoranda: | ||
| Average total assets | $1,361,835,500 | 737 |
| Average earning assets | $1,318,716,000 | 709 |
| Average equity | $129,675,000 | 802 |
| Average total loans | $1,148,028,000 | 592 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 1,037 |
| Cost of funding earning assets | 0.9070% | 835 |
| Net interest margin | 3.7252% | 1,724 |
| Noninterest income to average assets | 0.2684% | 3,873 |
| Noninterest expense to average assets | 1.7125% | 4,605 |
| Loan and lease loss provision to assets | 0.2284% | 1,708 |
| Net operating income to assets | 1.8387% | 359 |
| Return on assets (ROA) | 1.8614% | 368 |
| Pretax return on assets | 1.9501% | 505 |
| Return on Equity (ROE) | 19.8853% | 235 |
| Retained earnings to average equity (ytd only) | 14.7501% | 163 |
| Net charge-offs to loans | 0.0272% | 2,489 |
| Credit loss provision to net charge-offs | 993.3798% | 789 |
| Earnings coverage of net charge-offs (x) | 93.7073% | 822 |
| Efficiency ratio | 44.2842% | 4,779 |
| Assets per employee ($millions) | 11.7896% | 334 |
| Cash dividends to net income (ytd only)* | 25.8242% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 3,313 |
| Loan loss allowance to noncurrent loans | 2,532.2835% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 4,164 |
| Noncurrent loans to loans | 0.0446% | 4,121 |
| Net loans and leases to total assets | 83.8513% | 182 |
| Net loans and leases to deposits | 107.6380% | 202 |
| Net loans and leases to core deposits | 123.4978% | 270 |
| Total domestic deposits to total assets | 77.9012% | 4,331 |
| Equity capital to assets | 9.5192% | 3,589 |
| Core capital (leverage) ratio | 9.4543% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4309% | 2,475 |
| Memoranda: | ||
| Average total assets | $1,248,200,800 | 728 |
| Average earning assets | $1,205,848,800 | 696 |
| Average equity | $116,840,000 | 844 |
| Average total loans | $1,053,565,200 | 607 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 988 |
| Cost of funding earning assets | 1.0159% | 721 |
| Net interest margin | 3.7227% | 1,868 |
| Noninterest income to average assets | 0.2587% | 3,929 |
| Noninterest expense to average assets | 1.7089% | 4,611 |
| Loan and lease loss provision to assets | 0.3105% | 1,290 |
| Net operating income to assets | 1.7488% | 514 |
| Return on assets (ROA) | 1.7797% | 527 |
| Pretax return on assets | 1.8667% | 681 |
| Return on Equity (ROE) | 19.1009% | 289 |
| Retained earnings to average equity (ytd only) | 14.4253% | 228 |
| Net charge-offs to loans | 0.0311% | 2,210 |
| Credit loss provision to net charge-offs | 1,182.9876% | 742 |
| Earnings coverage of net charge-offs (x) | 81.7137% | 911 |
| Efficiency ratio | 44.3449% | 4,777 |
| Assets per employee ($millions) | 11.3215% | 364 |
| Cash dividends to net income (ytd only)* | 24.4783% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,843 |
| Loan loss allowance to noncurrent loans | 2,875.2784% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 4,111 |
| Noncurrent loans to loans | 0.0407% | 4,227 |
| Net loans and leases to total assets | 83.1181% | 347 |
| Net loans and leases to deposits | 106.9276% | 297 |
| Net loans and leases to core deposits | 130.4963% | 243 |
| Total domestic deposits to total assets | 77.7330% | 4,238 |
| Equity capital to assets | 9.3280% | 3,836 |
| Core capital (leverage) ratio | 9.3587% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5332% | 2,402 |
| Memoranda: | ||
| Average total assets | $1,224,247,750 | 731 |
| Average earning assets | $1,182,225,500 | 696 |
| Average equity | $114,065,250 | 857 |
| Average total loans | $1,031,997,500 | 612 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,970 |
| Cost of funding earning assets | 1.1448% | 620 |
| Net interest margin | 3.3378% | 3,278 |
| Noninterest income to average assets | 0.2252% | 4,137 |
| Noninterest expense to average assets | 1.7565% | 4,620 |
| Loan and lease loss provision to assets | 0.1684% | 2,321 |
| Net operating income to assets | 1.4522% | 1,017 |
| Return on assets (ROA) | 1.4996% | 999 |
| Pretax return on assets | 1.5733% | 1,286 |
| Return on Equity (ROE) | 16.1021% | 545 |
| Retained earnings to average equity (ytd only) | 12.5067% | 401 |
| Net charge-offs to loans | 0.0365% | 2,004 |
| Credit loss provision to net charge-offs | 546.7391% | 1,165 |
| Earnings coverage of net charge-offs (x) | 54.9185% | 1,030 |
| Efficiency ratio | 50.9371% | 4,446 |
| Assets per employee ($millions) | 10.5138% | 438 |
| Cash dividends to net income (ytd only)* | 22.3289% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 3,385 |
| Loan loss allowance to noncurrent loans | 33,703.0303% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 4,327 |
| Noncurrent loans to loans | 0.0031% | 4,513 |
| Net loans and leases to total assets | 84.8925% | 193 |
| Net loans and leases to deposits | 103.7425% | 387 |
| Net loans and leases to core deposits | 133.3713% | 224 |
| Total domestic deposits to total assets | 81.8301% | 3,417 |
| Equity capital to assets | 9.3450% | 3,787 |
| Core capital (leverage) ratio | 9.2726% | 3,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6099% | 2,356 |
| Memoranda: | ||
| Average total assets | $1,194,566,667 | 731 |
| Average earning assets | $1,153,518,667 | 700 |
| Average equity | $111,252,333 | 867 |
| Average total loans | $1,007,832,667 | 620 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5611% | 2,124 |
| Cost of funding earning assets | 1.3514% | 482 |
| Net interest margin | 3.2097% | 3,831 |
| Noninterest income to average assets | 0.2161% | 4,257 |
| Noninterest expense to average assets | 1.7217% | 4,749 |
| Loan and lease loss provision to assets | 0.1509% | 1,888 |
| Net operating income to assets | 1.3677% | 1,061 |
| Return on assets (ROA) | 1.4648% | 923 |
| Pretax return on assets | 1.5396% | 1,208 |
| Return on Equity (ROE) | 15.7574% | 455 |
| Retained earnings to average equity (ytd only) | 12.0680% | 421 |
| Net charge-offs to loans | 0.0373% | 1,671 |
| Credit loss provision to net charge-offs | 483.5165% | 905 |
| Earnings coverage of net charge-offs (x) | 50.8901% | 889 |
| Efficiency ratio | 52.0153% | 4,550 |
| Assets per employee ($millions) | 9.9481% | 391 |
| Cash dividends to net income (ytd only)* | 23.4137% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 3,273 |
| Loan loss allowance to noncurrent loans | 18,360.3448% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 4,371 |
| Noncurrent loans to loans | 0.0059% | 4,553 |
| Net loans and leases to total assets | 83.1755% | 337 |
| Net loans and leases to deposits | 100.4698% | 524 |
| Net loans and leases to core deposits | 131.5895% | 251 |
| Total domestic deposits to total assets | 82.7866% | 3,179 |
| Equity capital to assets | 9.3238% | 4,373 |
| Core capital (leverage) ratio | 9.6558% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0843% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,166,278,000 | 719 |
| Average earning assets | $1,124,209,000 | 681 |
| Average equity | $108,419,000 | 882 |
| Average total loans | $975,124,000 | 613 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 1,984 |
| Cost of funding earning assets | 1.6943% | 196 |
| Net interest margin | 3.1269% | 4,328 |
| Noninterest income to average assets | 0.2378% | 4,252 |
| Noninterest expense to average assets | 1.6980% | 4,869 |
| Loan and lease loss provision to assets | 0.1389% | 1,534 |
| Net operating income to assets | 1.3415% | 1,538 |
| Return on assets (ROA) | 1.3825% | 1,481 |
| Pretax return on assets | 1.4505% | 1,977 |
| Return on Equity (ROE) | 15.4502% | 614 |
| Retained earnings to average equity (ytd only) | 15.4502% | 84 |
| Net charge-offs to loans | 0.0365% | 2,653 |
| Credit loss provision to net charge-offs | 453.9823% | 640 |
| Earnings coverage of net charge-offs (x) | 50.5457% | 1,122 |
| Efficiency ratio | 52.3392% | 4,578 |
| Assets per employee ($millions) | 10.0744% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,165 |
| Loan loss allowance to noncurrent loans | 7,518.2482% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,221 |
| Noncurrent loans to loans | 0.0141% | 4,525 |
| Net loans and leases to total assets | 82.2499% | 525 |
| Net loans and leases to deposits | 101.3150% | 512 |
| Net loans and leases to core deposits | 137.5423% | 192 |
| Total domestic deposits to total assets | 81.1824% | 3,727 |
| Equity capital to assets | 9.2686% | 4,515 |
| Core capital (leverage) ratio | 9.2845% | 4,293 |
| Tier 1 risk-based capital ratio | 11.6615% | 4,542 |
| Total risk-based capital ratio | 12.8003% | 4,485 |
| Memoranda: | ||
| Average total assets | $1,108,173,000 | 718 |
| Average earning assets | $1,065,498,000 | 680 |
| Average equity | $99,157,400 | 907 |
| Average total loans | $928,631,600 | 619 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,993 |
| Cost of funding earning assets | 1.7334% | 176 |
| Net interest margin | 3.1097% | 4,461 |
| Noninterest income to average assets | 0.2236% | 4,395 |
| Noninterest expense to average assets | 1.7036% | 4,919 |
| Loan and lease loss provision to assets | 0.1178% | 1,659 |
| Net operating income to assets | 1.3257% | 1,751 |
| Return on assets (ROA) | 1.3257% | 1,817 |
| Pretax return on assets | 1.3919% | 2,341 |
| Return on Equity (ROE) | 14.9588% | 782 |
| Retained earnings to average equity (ytd only) | 14.9588% | 148 |
| Net charge-offs to loans | 0.0426% | 2,243 |
| Credit loss provision to net charge-offs | 329.6928% | 897 |
| Earnings coverage of net charge-offs (x) | 42.2420% | 1,321 |
| Efficiency ratio | 53.0160% | 4,498 |
| Assets per employee ($millions) | 9.9849% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,456 |
| Loan loss allowance to noncurrent loans | 6,387.5817% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,196 |
| Noncurrent loans to loans | 0.0160% | 4,605 |
| Net loans and leases to total assets | 83.2943% | 419 |
| Net loans and leases to deposits | 100.9703% | 564 |
| Net loans and leases to core deposits | 141.2253% | 171 |
| Total domestic deposits to total assets | 82.4939% | 3,319 |
| Equity capital to assets | 9.2008% | 4,665 |
| Core capital (leverage) ratio | 9.0134% | 4,627 |
| Tier 1 risk-based capital ratio | 11.2213% | 4,814 |
| Total risk-based capital ratio | 12.3068% | 4,775 |
| Memoranda: | ||
| Average total assets | $1,093,058,250 | 726 |
| Average earning assets | $1,050,872,250 | 694 |
| Average equity | $96,867,750 | 924 |
| Average total loans | $917,914,750 | 630 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 1,962 |
| Cost of funding earning assets | 1.7298% | 166 |
| Net interest margin | 3.1024% | 4,529 |
| Noninterest income to average assets | 0.2080% | 4,496 |
| Noninterest expense to average assets | 1.7245% | 4,956 |
| Loan and lease loss provision to assets | 0.1206% | 1,556 |
| Net operating income to assets | 1.2835% | 1,840 |
| Return on assets (ROA) | 1.2835% | 1,898 |
| Pretax return on assets | 1.3483% | 2,387 |
| Return on Equity (ROE) | 14.6806% | 831 |
| Retained earnings to average equity (ytd only) | 14.6806% | 187 |
| Net charge-offs to loans | 0.0263% | 2,327 |
| Credit loss provision to net charge-offs | 546.2185% | 564 |
| Earnings coverage of net charge-offs (x) | 66.5294% | 931 |
| Efficiency ratio | 54.0030% | 4,470 |
| Assets per employee ($millions) | 10.7048% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,675 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 83.2952% | 433 |
| Net loans and leases to deposits | 100.6987% | 628 |
| Net loans and leases to core deposits | 139.9891% | 196 |
| Total domestic deposits to total assets | 82.7173% | 3,302 |
| Equity capital to assets | 9.0416% | 4,772 |
| Core capital (leverage) ratio | 8.9280% | 4,692 |
| Tier 1 risk-based capital ratio | 11.1393% | 4,852 |
| Total risk-based capital ratio | 12.2444% | 4,830 |
| Memoranda: | ||
| Average total assets | $1,077,984,330 | 736 |
| Average earning assets | $1,037,328,330 | 700 |
| Average equity | $94,246,670 | 939 |
| Average total loans | $904,588,000 | 639 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 2,041 |
| Cost of funding earning assets | 1.7156% | 152 |
| Net interest margin | 3.0418% | 4,697 |
| Noninterest income to average assets | 0.2098% | 4,491 |
| Noninterest expense to average assets | 1.6789% | 5,035 |
| Loan and lease loss provision to assets | 0.1209% | 1,450 |
| Net operating income to assets | 1.2687% | 1,821 |
| Return on assets (ROA) | 1.2687% | 1,870 |
| Pretax return on assets | 1.3329% | 2,318 |
| Return on Equity (ROE) | 14.7721% | 798 |
| Retained earnings to average equity (ytd only) | 14.7721% | 292 |
| Net charge-offs to loans | 0.0220% | 2,013 |
| Credit loss provision to net charge-offs | 657.1429% | 507 |
| Earnings coverage of net charge-offs (x) | 79.0408% | 774 |
| Efficiency ratio | 53.5945% | 4,571 |
| Assets per employee ($millions) | 10.2403% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,466 |
| Loan loss allowance to noncurrent loans | 879.2683% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1331% | 4,134 |
| Noncurrent loans to loans | 0.1183% | 4,210 |
| Net loans and leases to total assets | 82.9649% | 472 |
| Net loans and leases to deposits | 98.4803% | 740 |
| Net loans and leases to core deposits | 139.1712% | 196 |
| Total domestic deposits to total assets | 84.2452% | 2,965 |
| Equity capital to assets | 8.7880% | 4,831 |
| Core capital (leverage) ratio | 8.7812% | 4,807 |
| Tier 1 risk-based capital ratio | 11.0252% | 4,965 |
| Total risk-based capital ratio | 12.1299% | 4,933 |
| Memoranda: | ||
| Average total assets | $1,065,677,500 | 746 |
| Average earning assets | $1,023,999,000 | 713 |
| Average equity | $91,524,000 | 953 |
| Average total loans | $892,861,000 | 649 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5921% | 2,150 |
| Cost of funding earning assets | 1.4370% | 113 |
| Net interest margin | 3.1551% | 4,566 |
| Noninterest income to average assets | 0.2085% | 4,667 |
| Noninterest expense to average assets | 1.7140% | 5,076 |
| Loan and lease loss provision to assets | 0.1260% | 1,741 |
| Net operating income to assets | 1.3179% | 1,731 |
| Return on assets (ROA) | 1.3247% | 1,693 |
| Pretax return on assets | 1.3906% | 2,168 |
| Return on Equity (ROE) | 16.1982% | 588 |
| Retained earnings to average equity (ytd only) | 16.1982% | 83 |
| Net charge-offs to loans | 0.0195% | 3,045 |
| Credit loss provision to net charge-offs | 779.0123% | 458 |
| Earnings coverage of net charge-offs (x) | 93.3210% | 774 |
| Efficiency ratio | 53.1733% | 4,699 |
| Assets per employee ($millions) | 10.3542% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,504 |
| Loan loss allowance to noncurrent loans | 5,384.6154% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,591 |
| Noncurrent loans to loans | 0.0191% | 4,705 |
| Net loans and leases to total assets | 82.8676% | 529 |
| Net loans and leases to deposits | 106.5987% | 343 |
| Net loans and leases to core deposits | 145.8909% | 159 |
| Total domestic deposits to total assets | 77.7379% | 4,529 |
| Equity capital to assets | 8.3851% | 4,998 |
| Core capital (leverage) ratio | 8.7086% | 4,874 |
| Tier 1 risk-based capital ratio | 10.8319% | 5,052 |
| Total risk-based capital ratio | 11.9252% | 5,017 |
| Memoranda: | ||
| Average total assets | $1,001,594,800 | 763 |
| Average earning assets | $957,071,200 | 735 |
| Average equity | $81,910,200 | 1,006 |
| Average total loans | $828,779,600 | 675 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 2,166 |
| Cost of funding earning assets | 1.3641% | 120 |
| Net interest margin | 3.1734% | 4,565 |
| Noninterest income to average assets | 0.2221% | 4,635 |
| Noninterest expense to average assets | 1.7533% | 5,083 |
| Loan and lease loss provision to assets | 0.1179% | 1,720 |
| Net operating income to assets | 1.3135% | 1,806 |
| Return on assets (ROA) | 1.3227% | 1,778 |
| Pretax return on assets | 1.3899% | 2,267 |
| Return on Equity (ROE) | 16.2840% | 649 |
| Retained earnings to average equity (ytd only) | 16.2840% | 126 |
| Net charge-offs to loans | 0.0131% | 2,958 |
| Credit loss provision to net charge-offs | 1,092.5000% | 384 |
| Earnings coverage of net charge-offs (x) | 138.7677% | 582 |
| Efficiency ratio | 53.9244% | 4,616 |
| Assets per employee ($millions) | 10.2502% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 3,621 |
| Loan loss allowance to noncurrent loans | 11,274.3590% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 4,830 |
| Noncurrent loans to loans | 0.0091% | 4,891 |
| Net loans and leases to total assets | 82.8897% | 575 |
| Net loans and leases to deposits | 103.3402% | 579 |
| Net loans and leases to core deposits | 143.3704% | 186 |
| Total domestic deposits to total assets | 80.2106% | 4,065 |
| Equity capital to assets | 8.1295% | 5,122 |
| Core capital (leverage) ratio | 8.5935% | 5,034 |
| Tier 1 risk-based capital ratio | 10.7088% | 5,168 |
| Total risk-based capital ratio | 11.7950% | 5,142 |
| Memoranda: | ||
| Average total assets | $987,962,500 | 775 |
| Average earning assets | $943,103,750 | 741 |
| Average equity | $80,248,500 | 1,021 |
| Average total loans | $814,903,250 | 686 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 2,131 |
| Cost of funding earning assets | 1.2941% | 117 |
| Net interest margin | 3.1925% | 4,523 |
| Noninterest income to average assets | 0.2175% | 4,720 |
| Noninterest expense to average assets | 1.7722% | 5,130 |
| Loan and lease loss provision to assets | 0.1144% | 1,736 |
| Net operating income to assets | 1.3065% | 1,745 |
| Return on assets (ROA) | 1.3065% | 1,741 |
| Pretax return on assets | 1.3747% | 2,246 |
| Return on Equity (ROE) | 16.0890% | 658 |
| Retained earnings to average equity (ytd only) | 16.0890% | 155 |
| Net charge-offs to loans | 0.0137% | 2,681 |
| Credit loss provision to net charge-offs | 1,014.5455% | 398 |
| Earnings coverage of net charge-offs (x) | 132.0727% | 577 |
| Efficiency ratio | 54.3403% | 4,656 |
| Assets per employee ($millions) | 10.1149% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 2,713 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 82.1397% | 697 |
| Net loans and leases to deposits | 103.7358% | 540 |
| Net loans and leases to core deposits | 136.3796% | 232 |
| Total domestic deposits to total assets | 79.1817% | 4,401 |
| Equity capital to assets | 8.1661% | 5,156 |
| Core capital (leverage) ratio | 8.4440% | 5,146 |
| Tier 1 risk-based capital ratio | 10.4183% | 5,304 |
| Total risk-based capital ratio | 11.4824% | 5,286 |
| Memoranda: | ||
| Average total assets | $975,611,330 | 784 |
| Average earning assets | $930,192,000 | 753 |
| Average equity | $79,221,670 | 1,030 |
| Average total loans | $800,395,330 | 695 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4236% | 2,119 |
| Cost of funding earning assets | 1.2094% | 137 |
| Net interest margin | 3.2141% | 4,416 |
| Noninterest income to average assets | 0.1965% | 4,843 |
| Noninterest expense to average assets | 1.7816% | 5,171 |
| Loan and lease loss provision to assets | 0.1130% | 1,671 |
| Net operating income to assets | 1.2947% | 1,661 |
| Return on assets (ROA) | 1.2947% | 1,665 |
| Pretax return on assets | 1.3649% | 2,122 |
| Return on Equity (ROE) | 15.9906% | 621 |
| Retained earnings to average equity (ytd only) | 15.9906% | 248 |
| Net charge-offs to loans | 0.0066% | 2,495 |
| Credit loss provision to net charge-offs | 2,092.3077% | 180 |
| Earnings coverage of net charge-offs (x) | 273.6154% | 250 |
| Efficiency ratio | 54.6590% | 4,719 |
| Assets per employee ($millions) | 10.0119% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,726 |
| Loan loss allowance to noncurrent loans | 43,468.4211% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 2,719 |
| Noncurrent loans to loans | 0.0024% | 5,014 |
| Net loans and leases to total assets | 80.9055% | 808 |
| Net loans and leases to deposits | 96.4475% | 983 |
| Net loans and leases to core deposits | 124.1017% | 466 |
| Total domestic deposits to total assets | 83.8855% | 3,376 |
| Equity capital to assets | 8.0598% | 5,248 |
| Core capital (leverage) ratio | 8.3323% | 5,241 |
| Tier 1 risk-based capital ratio | 10.3896% | 5,384 |
| Total risk-based capital ratio | 11.4621% | 5,366 |
| Memoranda: | ||
| Average total assets | $962,730,000 | 796 |
| Average earning assets | $917,445,500 | 764 |
| Average equity | $77,946,000 | 1,048 |
| Average total loans | $785,078,500 | 707 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 2,154 |
| Cost of funding earning assets | 0.9888% | 229 |
| Net interest margin | 3.3702% | 3,935 |
| Noninterest income to average assets | 0.2290% | 4,772 |
| Noninterest expense to average assets | 1.8605% | 5,176 |
| Loan and lease loss provision to assets | 0.1507% | 1,497 |
| Net operating income to assets | 1.3688% | 1,076 |
| Return on assets (ROA) | 1.3688% | 1,098 |
| Pretax return on assets | 1.4383% | 1,859 |
| Return on Equity (ROE) | 16.9446% | 400 |
| Retained earnings to average equity (ytd only) | 14.4480% | 94 |
| Net charge-offs to loans | 0.0466% | 2,854 |
| Credit loss provision to net charge-offs | 390.9884% | 775 |
| Earnings coverage of net charge-offs (x) | 41.2267% | 1,240 |
| Efficiency ratio | 53.9351% | 4,957 |
| Assets per employee ($millions) | 9.5431% | 368 |
| Cash dividends to net income (ytd only)* | 14.7336% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,738 |
| Loan loss allowance to noncurrent loans | 1,221.3740% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,636 |
| Noncurrent loans to loans | 0.0844% | 4,626 |
| Net loans and leases to total assets | 80.4963% | 894 |
| Net loans and leases to deposits | 98.3672% | 872 |
| Net loans and leases to core deposits | 123.6613% | 484 |
| Total domestic deposits to total assets | 81.8325% | 3,906 |
| Equity capital to assets | 8.1335% | 5,338 |
| Core capital (leverage) ratio | 8.3641% | 5,246 |
| Tier 1 risk-based capital ratio | 10.2527% | 5,460 |
| Total risk-based capital ratio | 11.3194% | 5,454 |
| Memoranda: | ||
| Average total assets | $892,520,400 | 841 |
| Average earning assets | $852,869,200 | 805 |
| Average equity | $72,099,800 | 1,103 |
| Average total loans | $737,530,200 | 714 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,113 |
| Cost of funding earning assets | 0.9567% | 242 |
| Net interest margin | 3.3920% | 3,873 |
| Noninterest income to average assets | 0.2396% | 4,771 |
| Noninterest expense to average assets | 1.9286% | 5,094 |
| Loan and lease loss provision to assets | 0.1177% | 1,841 |
| Net operating income to assets | 1.3668% | 1,166 |
| Return on assets (ROA) | 1.3668% | 1,181 |
| Pretax return on assets | 1.4379% | 1,979 |
| Return on Equity (ROE) | 16.9509% | 429 |
| Retained earnings to average equity (ytd only) | 13.5574% | 176 |
| Net charge-offs to loans | 0.0396% | 2,644 |
| Credit loss provision to net charge-offs | 358.3333% | 846 |
| Earnings coverage of net charge-offs (x) | 47.3755% | 1,156 |
| Efficiency ratio | 55.3534% | 4,808 |
| Assets per employee ($millions) | 8.9439% | 449 |
| Cash dividends to net income (ytd only)* | 20.0200% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 4,009 |
| Loan loss allowance to noncurrent loans | 2,437.7419% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 3,290 |
| Noncurrent loans to loans | 0.0413% | 4,928 |
| Net loans and leases to total assets | 81.3865% | 778 |
| Net loans and leases to deposits | 97.1842% | 994 |
| Net loans and leases to core deposits | 124.7450% | 441 |
| Total domestic deposits to total assets | 83.7446% | 3,215 |
| Equity capital to assets | 8.2813% | 5,406 |
| Core capital (leverage) ratio | 8.3005% | 5,367 |
| Tier 1 risk-based capital ratio | 10.2711% | 5,520 |
| Total risk-based capital ratio | 11.3247% | 5,537 |
| Memoranda: | ||
| Average total assets | $877,073,500 | 860 |
| Average earning assets | $838,963,500 | 825 |
| Average equity | $70,720,000 | 1,135 |
| Average total loans | $727,867,000 | 724 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 2,085 |
| Cost of funding earning assets | 0.9108% | 285 |
| Net interest margin | 3.4016% | 3,762 |
| Noninterest income to average assets | 0.2515% | 4,735 |
| Noninterest expense to average assets | 1.9294% | 5,127 |
| Loan and lease loss provision to assets | 0.1179% | 1,742 |
| Net operating income to assets | 1.3923% | 1,089 |
| Return on assets (ROA) | 1.3923% | 1,113 |
| Pretax return on assets | 1.4637% | 1,787 |
| Return on Equity (ROE) | 17.4330% | 377 |
| Retained earnings to average equity (ytd only) | 15.1179% | 135 |
| Net charge-offs to loans | 0.0311% | 2,581 |
| Credit loss provision to net charge-offs | 455.3571% | 710 |
| Earnings coverage of net charge-offs (x) | 61.0982% | 938 |
| Efficiency ratio | 54.9536% | 4,928 |
| Assets per employee ($millions) | 8.4906% | 509 |
| Cash dividends to net income (ytd only)* | 13.2802% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0173% | 4,043 |
| Loan loss allowance to noncurrent loans | 3,976.8817% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 3,389 |
| Noncurrent loans to loans | 0.0256% | 5,061 |
| Net loans and leases to total assets | 81.5097% | 743 |
| Net loans and leases to deposits | 98.4589% | 849 |
| Net loans and leases to core deposits | 127.3921% | 358 |
| Total domestic deposits to total assets | 82.7855% | 3,634 |
| Equity capital to assets | 8.3142% | 5,403 |
| Core capital (leverage) ratio | 8.2450% | 5,400 |
| Tier 1 risk-based capital ratio | 10.2506% | 5,559 |
| Total risk-based capital ratio | 11.3081% | 5,564 |
| Memoranda: | ||
| Average total assets | $865,338,330 | 874 |
| Average earning assets | $829,192,670 | 844 |
| Average equity | $69,110,330 | 1,159 |
| Average total loans | $720,479,670 | 734 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 1,956 |
| Cost of funding earning assets | 0.8677% | 339 |
| Net interest margin | 3.4292% | 3,530 |
| Noninterest income to average assets | 0.2195% | 4,961 |
| Noninterest expense to average assets | 1.9008% | 5,237 |
| Loan and lease loss provision to assets | 0.1303% | 1,469 |
| Net operating income to assets | 1.4137% | 975 |
| Return on assets (ROA) | 1.4137% | 1,003 |
| Pretax return on assets | 1.4809% | 1,599 |
| Return on Equity (ROE) | 18.0831% | 334 |
| Retained earnings to average equity (ytd only) | 18.0831% | 138 |
| Net charge-offs to loans | 0.0218% | 2,341 |
| Credit loss provision to net charge-offs | 715.3846% | 449 |
| Earnings coverage of net charge-offs (x) | 88.4615% | 606 |
| Efficiency ratio | 54.1223% | 5,117 |
| Assets per employee ($millions) | 8.2136% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 4,260 |
| Loan loss allowance to noncurrent loans | 8,721.6867% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,051 |
| Noncurrent loans to loans | 0.0115% | 5,195 |
| Net loans and leases to total assets | 82.8834% | 474 |
| Net loans and leases to deposits | 91.6979% | 1,359 |
| Net loans and leases to core deposits | 125.9336% | 326 |
| Total domestic deposits to total assets | 90.3875% | 518 |
| Equity capital to assets | 7.9846% | 5,529 |
| Core capital (leverage) ratio | 8.1221% | 5,497 |
| Tier 1 risk-based capital ratio | 10.0996% | 5,674 |
| Total risk-based capital ratio | 11.1515% | 5,693 |
| Memoranda: | ||
| Average total assets | $856,495,500 | 884 |
| Average earning assets | $822,361,000 | 850 |
| Average equity | $66,957,500 | 1,191 |
| Average total loans | $717,146,000 | 737 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 1,908 |
| Cost of funding earning assets | 0.7210% | 741 |
| Net interest margin | 3.6506% | 2,887 |
| Noninterest income to average assets | 0.2581% | 4,878 |
| Noninterest expense to average assets | 2.0653% | 5,065 |
| Loan and lease loss provision to assets | 0.1478% | 1,684 |
| Net operating income to assets | 1.4442% | 929 |
| Return on assets (ROA) | 1.4521% | 939 |
| Pretax return on assets | 1.5287% | 1,498 |
| Return on Equity (ROE) | 18.2716% | 310 |
| Retained earnings to average equity (ytd only) | 16.6478% | 79 |
| Net charge-offs to loans | 0.0840% | 2,489 |
| Credit loss provision to net charge-offs | 209.7070% | 1,355 |
| Earnings coverage of net charge-offs (x) | 23.6722% | 1,666 |
| Efficiency ratio | 55.3201% | 5,126 |
| Assets per employee ($millions) | 8.1006% | 580 |
| Cash dividends to net income (ytd only)* | 8.8873% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9827% | 4,425 |
| Loan loss allowance to noncurrent loans | 2,651.1364% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 5,096 |
| Noncurrent loans to loans | 0.0371% | 5,109 |
| Net loans and leases to total assets | 82.9150% | 489 |
| Net loans and leases to deposits | 103.0132% | 466 |
| Net loans and leases to core deposits | 134.9448% | 224 |
| Total domestic deposits to total assets | 80.4897% | 4,456 |
| Equity capital to assets | 7.6483% | 5,679 |
| Core capital (leverage) ratio | 7.9982% | 5,621 |
| Tier 1 risk-based capital ratio | 9.7583% | 5,788 |
| Total risk-based capital ratio | 10.7857% | 5,801 |
| Memoranda: | ||
| Average total assets | $774,851,200 | 932 |
| Average earning assets | $737,632,800 | 903 |
| Average equity | $61,581,800 | 1,267 |
| Average total loans | $649,912,200 | 769 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3961% | 1,870 |
| Cost of funding earning assets | 0.6944% | 840 |
| Net interest margin | 3.7017% | 2,713 |
| Noninterest income to average assets | 0.2780% | 4,781 |
| Noninterest expense to average assets | 2.0889% | 5,024 |
| Loan and lease loss provision to assets | 0.1159% | 1,995 |
| Net operating income to assets | 1.5023% | 879 |
| Return on assets (ROA) | 1.5132% | 908 |
| Pretax return on assets | 1.5984% | 1,381 |
| Return on Equity (ROE) | 18.8399% | 306 |
| Retained earnings to average equity (ytd only) | 16.6438% | 95 |
| Net charge-offs to loans | 0.0422% | 2,797 |
| Credit loss provision to net charge-offs | 326.8657% | 973 |
| Earnings coverage of net charge-offs (x) | 48.0304% | 1,109 |
| Efficiency ratio | 55.0914% | 5,150 |
| Assets per employee ($millions) | 7.7316% | 660 |
| Cash dividends to net income (ytd only)* | 11.6564% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,374 |
| Loan loss allowance to noncurrent loans | 784.4394% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 4,947 |
| Noncurrent loans to loans | 0.1282% | 4,828 |
| Net loans and leases to total assets | 82.3447% | 571 |
| Net loans and leases to deposits | 102.3146% | 549 |
| Net loans and leases to core deposits | 126.7301% | 356 |
| Total domestic deposits to total assets | 80.4818% | 4,398 |
| Equity capital to assets | 8.1000% | 5,705 |
| Core capital (leverage) ratio | 8.0294% | 5,672 |
| Tier 1 risk-based capital ratio | 9.7026% | 5,851 |
| Total risk-based capital ratio | 10.7452% | 5,866 |
| Memoranda: | ||
| Average total assets | $755,922,750 | 955 |
| Average earning assets | $717,528,500 | 928 |
| Average equity | $60,713,750 | 1,287 |
| Average total loans | $634,329,000 | 782 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,763 |
| Cost of funding earning assets | 0.6566% | 1,019 |
| Net interest margin | 3.7668% | 2,450 |
| Noninterest income to average assets | 0.2817% | 4,770 |
| Noninterest expense to average assets | 2.1053% | 5,046 |
| Loan and lease loss provision to assets | 0.1217% | 1,882 |
| Net operating income to assets | 1.5428% | 822 |
| Return on assets (ROA) | 1.5557% | 838 |
| Pretax return on assets | 1.6447% | 1,234 |
| Return on Equity (ROE) | 19.4308% | 268 |
| Retained earnings to average equity (ytd only) | 16.0309% | 118 |
| Net charge-offs to loans | 0.0501% | 2,482 |
| Credit loss provision to net charge-offs | 288.3871% | 992 |
| Earnings coverage of net charge-offs (x) | 41.5419% | 1,127 |
| Efficiency ratio | 54.5685% | 5,265 |
| Assets per employee ($millions) | 7.3123% | 760 |
| Cash dividends to net income (ytd only)* | 17.4978% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 4,325 |
| Loan loss allowance to noncurrent loans | 8,365.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,379 |
| Noncurrent loans to loans | 0.0124% | 5,446 |
| Net loans and leases to total assets | 82.5934% | 563 |
| Net loans and leases to deposits | 99.5743% | 727 |
| Net loans and leases to core deposits | 127.0158% | 351 |
| Total domestic deposits to total assets | 82.9465% | 3,677 |
| Equity capital to assets | 8.1646% | 5,746 |
| Core capital (leverage) ratio | 8.0046% | 5,729 |
| Tier 1 risk-based capital ratio | 9.8034% | 5,897 |
| Total risk-based capital ratio | 10.8979% | 5,898 |
| Memoranda: | ||
| Average total assets | $734,714,330 | 983 |
| Average earning assets | $697,561,670 | 954 |
| Average equity | $58,824,000 | 1,323 |
| Average total loans | $618,535,330 | 805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,671 |
| Cost of funding earning assets | 0.6112% | 1,262 |
| Net interest margin | 3.8333% | 2,162 |
| Noninterest income to average assets | 0.2665% | 4,827 |
| Noninterest expense to average assets | 2.0836% | 5,146 |
| Loan and lease loss provision to assets | 0.1293% | 1,639 |
| Net operating income to assets | 1.5837% | 722 |
| Return on assets (ROA) | 1.5837% | 761 |
| Pretax return on assets | 1.6839% | 1,107 |
| Return on Equity (ROE) | 19.9951% | 248 |
| Retained earnings to average equity (ytd only) | 12.9272% | 398 |
| Net charge-offs to loans | 0.0351% | 2,270 |
| Credit loss provision to net charge-offs | 435.8491% | 665 |
| Earnings coverage of net charge-offs (x) | 61.1132% | 766 |
| Efficiency ratio | 53.4693% | 5,429 |
| Assets per employee ($millions) | 7.0976% | 858 |
| Cash dividends to net income (ytd only)* | 35.3482% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 4,222 |
| Loan loss allowance to noncurrent loans | 3,373.3333% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 5,259 |
| Noncurrent loans to loans | 0.0317% | 5,368 |
| Net loans and leases to total assets | 83.1482% | 442 |
| Net loans and leases to deposits | 97.1974% | 822 |
| Net loans and leases to core deposits | 126.4562% | 330 |
| Total domestic deposits to total assets | 85.5457% | 2,889 |
| Equity capital to assets | 7.8729% | 5,868 |
| Core capital (leverage) ratio | 7.9054% | 5,809 |
| Tier 1 risk-based capital ratio | 9.7809% | 5,957 |
| Total risk-based capital ratio | 10.9287% | 5,947 |
| Memoranda: | ||
| Average total assets | $714,520,000 | 1,005 |
| Average earning assets | $676,703,500 | 985 |
| Average equity | $56,594,000 | 1,363 |
| Average total loans | $604,365,000 | 818 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,585 |
| Cost of funding earning assets | 0.6009% | 1,350 |
| Net interest margin | 3.9024% | 2,021 |
| Noninterest income to average assets | 0.2957% | 4,768 |
| Noninterest expense to average assets | 2.3275% | 4,713 |
| Loan and lease loss provision to assets | 0.1606% | 1,438 |
| Net operating income to assets | 1.3765% | 1,083 |
| Return on assets (ROA) | 1.4281% | 1,020 |
| Pretax return on assets | 1.5431% | 1,425 |
| Return on Equity (ROE) | 17.8991% | 386 |
| Retained earnings to average equity (ytd only) | 12.3398% | 233 |
| Net charge-offs to loans | -0.0085% | 5,071 |
| Credit loss provision to net charge-offs | -2,234.0426% | 5,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5427% | 5,085 |
| Assets per employee ($millions) | 7.1223% | 851 |
| Cash dividends to net income (ytd only)* | 31.0592% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 4,459 |
| Loan loss allowance to noncurrent loans | 2,081.9113% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 5,230 |
| Noncurrent loans to loans | 0.0493% | 5,318 |
| Net loans and leases to total assets | 84.2701% | 366 |
| Net loans and leases to deposits | 106.3809% | 350 |
| Net loans and leases to core deposits | 137.5357% | 194 |
| Total domestic deposits to total assets | 79.2154% | 4,925 |
| Equity capital to assets | 7.9705% | 5,860 |
| Core capital (leverage) ratio | 7.9363% | 5,867 |
| Tier 1 risk-based capital ratio | 9.7878% | 5,997 |
| Total risk-based capital ratio | 10.8889% | 6,012 |
| Memoranda: | ||
| Average total assets | $653,802,200 | 1,046 |
| Average earning assets | $616,544,000 | 1,022 |
| Average equity | $52,164,600 | 1,426 |
| Average total loans | $554,263,000 | 848 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4915% | 1,617 |
| Cost of funding earning assets | 0.5449% | 1,845 |
| Net interest margin | 3.9466% | 1,882 |
| Noninterest income to average assets | 0.3325% | 4,562 |
| Noninterest expense to average assets | 2.3000% | 4,779 |
| Loan and lease loss provision to assets | 0.1481% | 1,474 |
| Net operating income to assets | 1.5254% | 885 |
| Return on assets (ROA) | 1.5630% | 872 |
| Pretax return on assets | 1.6427% | 1,260 |
| Return on Equity (ROE) | 19.5846% | 298 |
| Retained earnings to average equity (ytd only) | 14.1264% | 201 |
| Net charge-offs to loans | -0.0091% | 4,957 |
| Credit loss provision to net charge-offs | -1,929.7297% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7742% | 5,251 |
| Assets per employee ($millions) | 7.3494% | 733 |
| Cash dividends to net income (ytd only)* | 27.8699% | 2,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 4,773 |
| Loan loss allowance to noncurrent loans | 446.3926% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 4,666 |
| Noncurrent loans to loans | 0.2230% | 4,764 |
| Net loans and leases to total assets | 83.7108% | 403 |
| Net loans and leases to deposits | 101.6613% | 566 |
| Net loans and leases to core deposits | 134.5889% | 222 |
| Total domestic deposits to total assets | 82.3428% | 4,055 |
| Equity capital to assets | 7.8957% | 5,995 |
| Core capital (leverage) ratio | 7.9737% | 5,920 |
| Tier 1 risk-based capital ratio | 9.7914% | 6,083 |
| Total risk-based capital ratio | 10.8500% | 6,099 |
| Memoranda: | ||
| Average total assets | $642,755,500 | 1,075 |
| Average earning assets | $605,633,500 | 1,043 |
| Average equity | $51,297,500 | 1,450 |
| Average total loans | $544,254,750 | 867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 1,536 |
| Cost of funding earning assets | 0.5498% | 1,817 |
| Net interest margin | 3.9505% | 1,805 |
| Noninterest income to average assets | 0.2740% | 4,990 |
| Noninterest expense to average assets | 2.3059% | 4,828 |
| Loan and lease loss provision to assets | 0.1074% | 2,038 |
| Net operating income to assets | 1.4971% | 900 |
| Return on assets (ROA) | 1.5020% | 941 |
| Pretax return on assets | 1.5887% | 1,362 |
| Return on Equity (ROE) | 18.7470% | 356 |
| Retained earnings to average equity (ytd only) | 13.1924% | 295 |
| Net charge-offs to loans | -0.0139% | 5,030 |
| Credit loss provision to net charge-offs | -913.5135% | 5,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6905% | 5,259 |
| Assets per employee ($millions) | 7.3373% | 723 |
| Cash dividends to net income (ytd only)* | 29.6296% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 5,020 |
| Loan loss allowance to noncurrent loans | 566.7018% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 4,943 |
| Noncurrent loans to loans | 0.1706% | 5,086 |
| Net loans and leases to total assets | 83.4409% | 421 |
| Net loans and leases to deposits | 101.4587% | 575 |
| Net loans and leases to core deposits | 125.8065% | 339 |
| Total domestic deposits to total assets | 82.2412% | 4,216 |
| Equity capital to assets | 7.7491% | 6,063 |
| Core capital (leverage) ratio | 7.9960% | 5,934 |
| Tier 1 risk-based capital ratio | 9.7932% | 6,147 |
| Total risk-based capital ratio | 10.8236% | 6,161 |
| Memoranda: | ||
| Average total assets | $629,177,330 | 1,098 |
| Average earning assets | $592,936,000 | 1,073 |
| Average equity | $50,408,000 | 1,482 |
| Average total loans | $533,036,670 | 888 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 1,470 |
| Cost of funding earning assets | 0.5427% | 1,909 |
| Net interest margin | 3.9540% | 1,707 |
| Noninterest income to average assets | 0.2764% | 4,966 |
| Noninterest expense to average assets | 2.3345% | 4,790 |
| Loan and lease loss provision to assets | 0.0834% | 2,301 |
| Net operating income to assets | 1.4669% | 908 |
| Return on assets (ROA) | 1.4766% | 948 |
| Pretax return on assets | 1.5835% | 1,307 |
| Return on Equity (ROE) | 18.1106% | 377 |
| Retained earnings to average equity (ytd only) | 12.5135% | 502 |
| Net charge-offs to loans | -0.0092% | 4,686 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4940% | 5,284 |
| Assets per employee ($millions) | 6.8855% | 899 |
| Cash dividends to net income (ytd only)* | 30.9051% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 5,156 |
| Loan loss allowance to noncurrent loans | 541.9389% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.3267% | 4,678 |
| Noncurrent loans to loans | 0.1796% | 5,135 |
| Net loans and leases to total assets | 83.5251% | 341 |
| Net loans and leases to deposits | 96.8523% | 780 |
| Net loans and leases to core deposits | 119.1765% | 428 |
| Total domestic deposits to total assets | 86.2397% | 2,806 |
| Equity capital to assets | 8.1119% | 5,980 |
| Core capital (leverage) ratio | 8.0088% | 5,939 |
| Tier 1 risk-based capital ratio | 9.9523% | 6,183 |
| Total risk-based capital ratio | 10.9895% | 6,192 |
| Memoranda: | ||
| Average total assets | $613,586,000 | 1,129 |
| Average earning assets | $576,427,000 | 1,100 |
| Average equity | $50,026,000 | 1,501 |
| Average total loans | $521,361,000 | 906 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,405 |
| Cost of funding earning assets | 0.5978% | 1,776 |
| Net interest margin | 4.0579% | 1,711 |
| Noninterest income to average assets | 0.3143% | 4,872 |
| Noninterest expense to average assets | 2.3258% | 5,043 |
| Loan and lease loss provision to assets | 0.1219% | 2,150 |
| Net operating income to assets | 1.5889% | 724 |
| Return on assets (ROA) | 1.6059% | 731 |
| Pretax return on assets | 1.6942% | 996 |
| Return on Equity (ROE) | 19.9052% | 258 |
| Retained earnings to average equity (ytd only) | 13.3653% | 206 |
| Net charge-offs to loans | 0.0365% | 4,107 |
| Credit loss provision to net charge-offs | 387.1508% | 670 |
| Earnings coverage of net charge-offs (x) | 57.1173% | 825 |
| Efficiency ratio | 56.3971% | 5,630 |
| Assets per employee ($millions) | 6.6000% | 1,001 |
| Cash dividends to net income (ytd only)* | 32.8551% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 5,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,301 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 84.7871% | 292 |
| Net loans and leases to deposits | 107.7533% | 302 |
| Net loans and leases to core deposits | 120.7397% | 397 |
| Total domestic deposits to total assets | 78.6863% | 5,314 |
| Equity capital to assets | 8.1960% | 5,967 |
| Core capital (leverage) ratio | 8.0470% | 5,968 |
| Tier 1 risk-based capital ratio | 9.6422% | 6,333 |
| Total risk-based capital ratio | 10.6517% | 6,346 |
| Memoranda: | ||
| Average total assets | $568,580,200 | 1,162 |
| Average earning assets | $533,801,800 | 1,133 |
| Average equity | $45,872,400 | 1,566 |
| Average total loans | $490,457,200 | 910 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 1,431 |
| Cost of funding earning assets | 0.6087% | 1,760 |
| Net interest margin | 4.0424% | 1,746 |
| Noninterest income to average assets | 0.3185% | 4,886 |
| Noninterest expense to average assets | 2.2372% | 5,266 |
| Loan and lease loss provision to assets | 0.1075% | 2,248 |
| Net operating income to assets | 1.6778% | 641 |
| Return on assets (ROA) | 1.7008% | 640 |
| Pretax return on assets | 1.7924% | 907 |
| Return on Equity (ROE) | 21.1715% | 226 |
| Retained earnings to average equity (ytd only) | 14.6581% | 222 |
| Net charge-offs to loans | 0.0308% | 3,868 |
| Credit loss provision to net charge-offs | 403.5714% | 690 |
| Earnings coverage of net charge-offs (x) | 70.4105% | 776 |
| Efficiency ratio | 54.3951% | 5,785 |
| Assets per employee ($millions) | 6.7208% | 902 |
| Cash dividends to net income (ytd only)* | 30.7649% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 5,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 5,397 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 84.2265% | 323 |
| Net loans and leases to deposits | 107.7155% | 273 |
| Net loans and leases to core deposits | 119.2950% | 411 |
| Total domestic deposits to total assets | 78.1935% | 5,490 |
| Equity capital to assets | 8.0894% | 6,088 |
| Core capital (leverage) ratio | 8.1194% | 5,993 |
| Tier 1 risk-based capital ratio | 9.6874% | 6,410 |
| Total risk-based capital ratio | 10.6912% | 6,419 |
| Memoranda: | ||
| Average total assets | $560,576,250 | 1,193 |
| Average earning assets | $526,176,000 | 1,165 |
| Average equity | $45,034,250 | 1,604 |
| Average total loans | $484,513,750 | 926 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6483% | 1,405 |
| Cost of funding earning assets | 0.6255% | 1,680 |
| Net interest margin | 4.0229% | 1,752 |
| Noninterest income to average assets | 0.3398% | 4,710 |
| Noninterest expense to average assets | 2.2588% | 5,259 |
| Loan and lease loss provision to assets | 0.1087% | 2,200 |
| Net operating income to assets | 1.6572% | 631 |
| Return on assets (ROA) | 1.6904% | 617 |
| Pretax return on assets | 1.7871% | 868 |
| Return on Equity (ROE) | 21.0939% | 239 |
| Retained earnings to average equity (ytd only) | 14.7444% | 226 |
| Net charge-offs to loans | 0.0063% | 4,163 |
| Credit loss provision to net charge-offs | 1,993.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 341.3333% | 199 |
| Efficiency ratio | 54.8302% | 5,845 |
| Assets per employee ($millions) | 6.5226% | 996 |
| Cash dividends to net income (ytd only)* | 30.1011% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 5,458 |
| Loan loss allowance to noncurrent loans | 196.9059% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.5505% | 4,339 |
| Noncurrent loans to loans | 0.4951% | 4,508 |
| Net loans and leases to total assets | 86.4354% | 156 |
| Net loans and leases to deposits | 109.3610% | 220 |
| Net loans and leases to core deposits | 117.3293% | 445 |
| Total domestic deposits to total assets | 79.0368% | 5,446 |
| Equity capital to assets | 8.2094% | 6,020 |
| Core capital (leverage) ratio | 8.0888% | 6,027 |
| Tier 1 risk-based capital ratio | 9.6500% | 6,473 |
| Total risk-based capital ratio | 10.6757% | 6,489 |
| Memoranda: | ||
| Average total assets | $550,292,000 | 1,216 |
| Average earning assets | $517,044,670 | 1,183 |
| Average equity | $44,098,000 | 1,621 |
| Average total loans | $478,362,000 | 931 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 1,383 |
| Cost of funding earning assets | 0.6349% | 1,690 |
| Net interest margin | 4.0127% | 1,715 |
| Noninterest income to average assets | 0.3494% | 4,578 |
| Noninterest expense to average assets | 2.2409% | 5,354 |
| Loan and lease loss provision to assets | 0.1094% | 2,111 |
| Net operating income to assets | 1.6625% | 603 |
| Return on assets (ROA) | 1.6625% | 631 |
| Pretax return on assets | 1.7616% | 856 |
| Return on Equity (ROE) | 21.0102% | 245 |
| Retained earnings to average equity (ytd only) | 14.5170% | 359 |
| Net charge-offs to loans | 0.0068% | 3,518 |
| Credit loss provision to net charge-offs | 1,862.5000% | 185 |
| Earnings coverage of net charge-offs (x) | 318.6250% | 152 |
| Efficiency ratio | 54.4984% | 5,973 |
| Assets per employee ($millions) | 6.6644% | 946 |
| Cash dividends to net income (ytd only)* | 30.9051% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 5,633 |
| Loan loss allowance to noncurrent loans | 676.9006% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 5,460 |
| Noncurrent loans to loans | 0.1435% | 5,664 |
| Net loans and leases to total assets | 85.3559% | 172 |
| Net loans and leases to deposits | 101.4062% | 385 |
| Net loans and leases to core deposits | 111.1169% | 543 |
| Total domestic deposits to total assets | 84.1723% | 4,218 |
| Equity capital to assets | 7.9733% | 6,078 |
| Core capital (leverage) ratio | 7.9687% | 6,137 |
| Tier 1 risk-based capital ratio | 9.5307% | 6,543 |
| Total risk-based capital ratio | 10.5517% | 6,566 |
| Memoranda: | ||
| Average total assets | $544,966,000 | 1,239 |
| Average earning assets | $510,976,000 | 1,207 |
| Average equity | $43,122,000 | 1,647 |
| Average total loans | $472,729,500 | 941 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 1,117 |
| Cost of funding earning assets | 0.7033% | 1,789 |
| Net interest margin | 4.1839% | 1,405 |
| Noninterest income to average assets | 0.3110% | 5,114 |
| Noninterest expense to average assets | 2.3292% | 5,292 |
| Loan and lease loss provision to assets | 0.1659% | 2,207 |
| Net operating income to assets | 1.6569% | 624 |
| Return on assets (ROA) | 1.8481% | 452 |
| Pretax return on assets | 1.9444% | 548 |
| Return on Equity (ROE) | 23.1432% | 176 |
| Retained earnings to average equity (ytd only) | 17.3599% | 116 |
| Net charge-offs to loans | 0.1033% | 3,793 |
| Credit loss provision to net charge-offs | 189.0160% | 1,211 |
| Earnings coverage of net charge-offs (x) | 21.7574% | 1,481 |
| Efficiency ratio | 54.9555% | 6,052 |
| Assets per employee ($millions) | 6.3903% | 1,040 |
| Cash dividends to net income (ytd only)* | 24.9891% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 5,732 |
| Loan loss allowance to noncurrent loans | 1,048.8318% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 5,759 |
| Noncurrent loans to loans | 0.0913% | 5,941 |
| Net loans and leases to total assets | 86.4772% | 132 |
| Net loans and leases to deposits | 106.4171% | 247 |
| Net loans and leases to core deposits | 117.1149% | 395 |
| Total domestic deposits to total assets | 81.2625% | 5,106 |
| Equity capital to assets | 7.8504% | 6,116 |
| Core capital (leverage) ratio | 7.8820% | 6,206 |
| Tier 1 risk-based capital ratio | 9.2827% | 6,635 |
| Total risk-based capital ratio | 10.2830% | 6,645 |
| Memoranda: | ||
| Average total assets | $498,034,000 | 1,335 |
| Average earning assets | $467,477,800 | 1,305 |
| Average equity | $39,769,800 | 1,754 |
| Average total loans | $423,224,000 | 1,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 1,103 |
| Cost of funding earning assets | 0.7110% | 1,878 |
| Net interest margin | 4.1997% | 1,332 |
| Noninterest income to average assets | 0.3541% | 4,863 |
| Noninterest expense to average assets | 2.3745% | 5,100 |
| Loan and lease loss provision to assets | 0.1949% | 1,870 |
| Net operating income to assets | 1.6398% | 698 |
| Return on assets (ROA) | 1.8997% | 444 |
| Pretax return on assets | 1.9996% | 578 |
| Return on Equity (ROE) | 23.6798% | 147 |
| Retained earnings to average equity (ytd only) | 18.2346% | 100 |
| Net charge-offs to loans | 0.1143% | 3,405 |
| Credit loss provision to net charge-offs | 202.2663% | 1,193 |
| Earnings coverage of net charge-offs (x) | 19.9322% | 1,610 |
| Efficiency ratio | 55.2787% | 5,995 |
| Assets per employee ($millions) | 6.5358% | 918 |
| Cash dividends to net income (ytd only)* | 22.9951% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 5,734 |
| Loan loss allowance to noncurrent loans | 640.0287% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 5,494 |
| Noncurrent loans to loans | 0.1557% | 5,848 |
| Net loans and leases to total assets | 84.7420% | 203 |
| Net loans and leases to deposits | 102.0411% | 379 |
| Net loans and leases to core deposits | 111.1467% | 533 |
| Total domestic deposits to total assets | 83.0469% | 4,555 |
| Equity capital to assets | 7.8007% | 6,258 |
| Core capital (leverage) ratio | 8.0707% | 6,177 |
| Tier 1 risk-based capital ratio | 9.3726% | 6,694 |
| Total risk-based capital ratio | 10.4154% | 6,708 |
| Memoranda: | ||
| Average total assets | $488,345,250 | 1,366 |
| Average earning assets | $458,307,750 | 1,332 |
| Average equity | $39,177,250 | 1,799 |
| Average total loans | $411,857,750 | 1,035 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 941 |
| Cost of funding earning assets | 0.7330% | 1,816 |
| Net interest margin | 4.2450% | 1,155 |
| Noninterest income to average assets | 0.3896% | 4,597 |
| Noninterest expense to average assets | 2.4448% | 4,915 |
| Loan and lease loss provision to assets | 0.2202% | 1,722 |
| Net operating income to assets | 1.6268% | 713 |
| Return on assets (ROA) | 1.9575% | 409 |
| Pretax return on assets | 2.0611% | 532 |
| Return on Equity (ROE) | 24.1559% | 137 |
| Retained earnings to average equity (ytd only) | 18.9800% | 106 |
| Net charge-offs to loans | 0.1355% | 3,020 |
| Credit loss provision to net charge-offs | 193.7269% | 1,222 |
| Earnings coverage of net charge-offs (x) | 17.0074% | 1,627 |
| Efficiency ratio | 55.8440% | 5,981 |
| Assets per employee ($millions) | 5.9260% | 1,258 |
| Cash dividends to net income (ytd only)* | 21.4270% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,667 |
| Loan loss allowance to noncurrent loans | 355.4286% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4445% | 5,166 |
| Noncurrent loans to loans | 0.2926% | 5,565 |
| Net loans and leases to total assets | 85.2607% | 173 |
| Net loans and leases to deposits | 97.3633% | 584 |
| Net loans and leases to core deposits | 105.9937% | 739 |
| Total domestic deposits to total assets | 87.5696% | 2,509 |
| Equity capital to assets | 8.0234% | 6,182 |
| Core capital (leverage) ratio | 7.8883% | 6,258 |
| Tier 1 risk-based capital ratio | 9.4571% | 6,726 |
| Total risk-based capital ratio | 10.5312% | 6,731 |
| Memoranda: | ||
| Average total assets | $476,840,000 | 1,399 |
| Average earning assets | $448,012,000 | 1,366 |
| Average equity | $38,640,670 | 1,814 |
| Average total loans | $399,962,330 | 1,067 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 888 |
| Cost of funding earning assets | 0.7234% | 2,037 |
| Net interest margin | 4.2750% | 1,016 |
| Noninterest income to average assets | 0.4141% | 4,357 |
| Noninterest expense to average assets | 2.4239% | 5,037 |
| Loan and lease loss provision to assets | 0.2134% | 1,737 |
| Net operating income to assets | 1.6870% | 602 |
| Return on assets (ROA) | 2.2486% | 249 |
| Pretax return on assets | 2.3621% | 322 |
| Return on Equity (ROE) | 27.6081% | 96 |
| Retained earnings to average equity (ytd only) | 22.4088% | 91 |
| Net charge-offs to loans | 0.0604% | 3,212 |
| Credit loss provision to net charge-offs | 427.1186% | 608 |
| Earnings coverage of net charge-offs (x) | 39.7119% | 796 |
| Efficiency ratio | 54.9856% | 6,155 |
| Assets per employee ($millions) | 6.4757% | 993 |
| Cash dividends to net income (ytd only)* | 18.8324% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 5,757 |
| Loan loss allowance to noncurrent loans | 370.7254% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 5,281 |
| Noncurrent loans to loans | 0.2857% | 5,692 |
| Net loans and leases to total assets | 82.5636% | 261 |
| Net loans and leases to deposits | 97.8409% | 452 |
| Net loans and leases to core deposits | 118.5432% | 304 |
| Total domestic deposits to total assets | 84.3856% | 4,320 |
| Equity capital to assets | 8.0404% | 6,359 |
| Core capital (leverage) ratio | 7.8421% | 6,256 |
| Tier 1 risk-based capital ratio | 9.2551% | 6,785 |
| Total risk-based capital ratio | 10.3341% | 6,801 |
| Memoranda: | ||
| Average total assets | $472,294,500 | 1,421 |
| Average earning assets | $441,259,500 | 1,398 |
| Average equity | $38,467,000 | 1,850 |
| Average total loans | $390,612,500 | 1,095 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3588% | 814 |
| Cost of funding earning assets | 0.8712% | 2,131 |
| Net interest margin | 4.4876% | 967 |
| Noninterest income to average assets | 0.3660% | 4,859 |
| Noninterest expense to average assets | 2.3871% | 5,444 |
| Loan and lease loss provision to assets | 0.1855% | 3,318 |
| Net operating income to assets | 1.8833% | 444 |
| Return on assets (ROA) | 2.1305% | 315 |
| Pretax return on assets | 2.2475% | 368 |
| Return on Equity (ROE) | 25.7887% | 107 |
| Retained earnings to average equity (ytd only) | 23.1395% | 41 |
| Net charge-offs to loans | 0.0198% | 5,632 |
| Credit loss provision to net charge-offs | 1,192.1875% | 218 |
| Earnings coverage of net charge-offs (x) | 139.6094% | 300 |
| Efficiency ratio | 52.3492% | 6,436 |
| Assets per employee ($millions) | 6.3738% | 1,058 |
| Cash dividends to net income (ytd only)* | 10.2728% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,591 |
| Loan loss allowance to noncurrent loans | 552.5606% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 5,547 |
| Noncurrent loans to loans | 0.1974% | 5,976 |
| Net loans and leases to total assets | 81.0263% | 389 |
| Net loans and leases to deposits | 99.2842% | 441 |
| Net loans and leases to core deposits | 122.4736% | 256 |
| Total domestic deposits to total assets | 81.6105% | 5,222 |
| Equity capital to assets | 8.2551% | 6,233 |
| Core capital (leverage) ratio | 7.8904% | 6,285 |
| Tier 1 risk-based capital ratio | 9.3343% | 6,821 |
| Total risk-based capital ratio | 10.4382% | 6,833 |
| Memoranda: | ||
| Average total assets | $411,215,800 | 1,593 |
| Average earning assets | $384,304,600 | 1,563 |
| Average equity | $33,972,200 | 2,033 |
| Average total loans | $323,741,000 | 1,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3387% | 944 |
| Cost of funding earning assets | 0.9003% | 2,171 |
| Net interest margin | 4.4385% | 1,119 |
| Noninterest income to average assets | 0.3696% | 4,875 |
| Noninterest expense to average assets | 2.4199% | 5,341 |
| Loan and lease loss provision to assets | 0.2725% | 2,395 |
| Net operating income to assets | 1.7289% | 652 |
| Return on assets (ROA) | 2.0683% | 392 |
| Pretax return on assets | 2.1831% | 493 |
| Return on Equity (ROE) | 25.0300% | 141 |
| Retained earnings to average equity (ytd only) | 22.2013% | 61 |
| Net charge-offs to loans | 0.0850% | 4,536 |
| Credit loss provision to net charge-offs | 412.1212% | 653 |
| Earnings coverage of net charge-offs (x) | 31.7378% | 1,053 |
| Efficiency ratio | 53.5585% | 6,298 |
| Assets per employee ($millions) | 5.7782% | 1,393 |
| Cash dividends to net income (ytd only)* | 11.3013% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,379 |
| Loan loss allowance to noncurrent loans | 127.3447% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 4,385 |
| Noncurrent loans to loans | 0.9258% | 4,581 |
| Net loans and leases to total assets | 78.7832% | 637 |
| Net loans and leases to deposits | 97.5154% | 570 |
| Net loans and leases to core deposits | 110.9217% | 539 |
| Total domestic deposits to total assets | 80.7905% | 5,425 |
| Equity capital to assets | 8.3501% | 6,384 |
| Core capital (leverage) ratio | 7.8840% | 6,411 |
| Tier 1 risk-based capital ratio | 9.4991% | 6,899 |
| Total risk-based capital ratio | 10.6810% | 6,899 |
| Memoranda: | ||
| Average total assets | $399,291,000 | 1,654 |
| Average earning assets | $373,214,000 | 1,618 |
| Average equity | $32,994,250 | 2,105 |
| Average total loans | $310,690,750 | 1,358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 849 |
| Cost of funding earning assets | 0.9291% | 2,195 |
| Net interest margin | 4.4827% | 1,024 |
| Noninterest income to average assets | 0.4191% | 4,512 |
| Noninterest expense to average assets | 2.4460% | 5,309 |
| Loan and lease loss provision to assets | 0.3427% | 1,920 |
| Net operating income to assets | 1.7352% | 627 |
| Return on assets (ROA) | 2.2567% | 293 |
| Pretax return on assets | 2.3747% | 365 |
| Return on Equity (ROE) | 27.4158% | 110 |
| Retained earnings to average equity (ytd only) | 26.1693% | 52 |
| Net charge-offs to loans | 0.1284% | 3,900 |
| Credit loss provision to net charge-offs | 346.1140% | 851 |
| Earnings coverage of net charge-offs (x) | 21.9016% | 1,326 |
| Efficiency ratio | 53.0072% | 6,417 |
| Assets per employee ($millions) | 5.5853% | 1,548 |
| Cash dividends to net income (ytd only)* | 4.5465% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 5,302 |
| Loan loss allowance to noncurrent loans | 144.2501% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 4,539 |
| Noncurrent loans to loans | 0.8398% | 4,832 |
| Net loans and leases to total assets | 78.5955% | 666 |
| Net loans and leases to deposits | 94.3590% | 740 |
| Net loans and leases to core deposits | 110.6737% | 554 |
| Total domestic deposits to total assets | 83.2941% | 4,628 |
| Equity capital to assets | 8.4545% | 6,256 |
| Core capital (leverage) ratio | 7.8751% | 6,389 |
| Tier 1 risk-based capital ratio | 9.5945% | 6,912 |
| Total risk-based capital ratio | 10.7959% | 6,910 |
| Memoranda: | ||
| Average total assets | $389,859,330 | 1,698 |
| Average earning assets | $364,871,330 | 1,655 |
| Average equity | $32,091,000 | 2,148 |
| Average total loans | $300,626,000 | 1,413 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5042% | 749 |
| Cost of funding earning assets | 0.9462% | 2,331 |
| Net interest margin | 4.5579% | 896 |
| Noninterest income to average assets | 0.4326% | 4,433 |
| Noninterest expense to average assets | 2.4518% | 5,311 |
| Loan and lease loss provision to assets | 0.3878% | 1,622 |
| Net operating income to assets | 1.7628% | 646 |
| Return on assets (ROA) | 2.3142% | 287 |
| Pretax return on assets | 2.4205% | 374 |
| Return on Equity (ROE) | 28.5191% | 119 |
| Retained earnings to average equity (ytd only) | 28.5191% | 61 |
| Net charge-offs to loans | -0.0344% | 6,394 |
| Credit loss provision to net charge-offs | -1,488.0000% | 5,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3248% | 6,508 |
| Assets per employee ($millions) | 5.5324% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 5,173 |
| Loan loss allowance to noncurrent loans | 861.2245% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 5,763 |
| Noncurrent loans to loans | 0.1471% | 6,390 |
| Net loans and leases to total assets | 75.3718% | 877 |
| Net loans and leases to deposits | 86.2808% | 1,386 |
| Net loans and leases to core deposits | 95.7261% | 1,317 |
| Total domestic deposits to total assets | 87.3563% | 2,743 |
| Equity capital to assets | 8.1271% | 6,432 |
| Core capital (leverage) ratio | 7.6349% | 6,544 |
| Tier 1 risk-based capital ratio | 9.3715% | 6,983 |
| Total risk-based capital ratio | 10.5998% | 6,987 |
| Memoranda: | ||
| Average total assets | $383,719,500 | 1,727 |
| Average earning assets | $358,056,500 | 1,691 |
| Average equity | $31,137,000 | 2,196 |
| Average total loans | $290,969,500 | 1,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6365% | 889 |
| Cost of funding earning assets | 1.1968% | 2,046 |
| Net interest margin | 4.4397% | 1,287 |
| Noninterest income to average assets | 0.2852% | 5,496 |
| Noninterest expense to average assets | 2.4764% | 5,547 |
| Loan and lease loss provision to assets | 0.3750% | 2,747 |
| Net operating income to assets | 1.5065% | 811 |
| Return on assets (ROA) | 1.5065% | 880 |
| Pretax return on assets | 1.5818% | 1,250 |
| Return on Equity (ROE) | 19.6726% | 276 |
| Retained earnings to average equity (ytd only) | 13.8120% | 180 |
| Net charge-offs to loans | 0.2351% | 4,314 |
| Credit loss provision to net charge-offs | 212.6437% | 1,156 |
| Earnings coverage of net charge-offs (x) | 11.0969% | 1,756 |
| Efficiency ratio | 55.8618% | 6,327 |
| Assets per employee ($millions) | 5.5094% | 1,629 |
| Cash dividends to net income (ytd only)* | 29.7905% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,361 |
| Loan loss allowance to noncurrent loans | 638.0863% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 5,752 |
| Noncurrent loans to loans | 0.1890% | 6,370 |
| Net loans and leases to total assets | 74.3862% | 1,201 |
| Net loans and leases to deposits | 84.8293% | 1,828 |
| Net loans and leases to core deposits | 95.1133% | 1,575 |
| Total domestic deposits to total assets | 87.6893% | 2,342 |
| Equity capital to assets | 8.1013% | 6,510 |
| Core capital (leverage) ratio | 7.3735% | 6,712 |
| Tier 1 risk-based capital ratio | 9.1128% | 7,020 |
| Total risk-based capital ratio | 10.2712% | 7,034 |
| Memoranda: | ||
| Average total assets | $345,376,800 | 1,878 |
| Average earning assets | $322,680,400 | 1,831 |
| Average equity | $26,448,000 | 2,441 |
| Average total loans | $259,003,800 | 1,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6898% | 863 |
| Cost of funding earning assets | 1.2650% | 1,902 |
| Net interest margin | 4.4248% | 1,332 |
| Noninterest income to average assets | 0.2650% | 5,722 |
| Noninterest expense to average assets | 2.4626% | 5,583 |
| Loan and lease loss provision to assets | 0.3960% | 2,481 |
| Net operating income to assets | 1.4494% | 1,053 |
| Return on assets (ROA) | 1.4494% | 1,124 |
| Pretax return on assets | 1.5370% | 1,553 |
| Return on Equity (ROE) | 19.2361% | 363 |
| Retained earnings to average equity (ytd only) | 13.2167% | 357 |
| Net charge-offs to loans | 0.2443% | 3,898 |
| Credit loss provision to net charge-offs | 216.3793% | 1,324 |
| Earnings coverage of net charge-offs (x) | 10.5625% | 1,906 |
| Efficiency ratio | 56.0251% | 6,285 |
| Assets per employee ($millions) | 5.3813% | 1,723 |
| Cash dividends to net income (ytd only)* | 31.2926% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,450 |
| Loan loss allowance to noncurrent loans | 232.1683% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6660% | 5,480 |
| Noncurrent loans to loans | 0.5183% | 5,811 |
| Net loans and leases to total assets | 73.0282% | 1,497 |
| Net loans and leases to deposits | 85.0614% | 1,824 |
| Net loans and leases to core deposits | 91.5351% | 2,049 |
| Total domestic deposits to total assets | 85.8536% | 3,301 |
| Equity capital to assets | 7.9561% | 6,721 |
| Core capital (leverage) ratio | 7.3778% | 6,819 |
| Tier 1 risk-based capital ratio | 9.0670% | 7,106 |
| Total risk-based capital ratio | 10.2186% | 7,115 |
| Memoranda: | ||
| Average total assets | $338,060,500 | 1,921 |
| Average earning assets | $315,576,750 | 1,877 |
| Average equity | $25,472,250 | 2,531 |
| Average total loans | $253,234,000 | 1,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 822 |
| Cost of funding earning assets | 1.2993% | 1,945 |
| Net interest margin | 4.4348% | 1,281 |
| Noninterest income to average assets | 0.2287% | 6,027 |
| Noninterest expense to average assets | 2.3901% | 5,872 |
| Loan and lease loss provision to assets | 0.4283% | 2,286 |
| Net operating income to assets | 1.4740% | 935 |
| Return on assets (ROA) | 1.4740% | 990 |
| Pretax return on assets | 1.5610% | 1,354 |
| Return on Equity (ROE) | 19.9766% | 310 |
| Retained earnings to average equity (ytd only) | 14.6177% | 272 |
| Net charge-offs to loans | 0.2570% | 3,599 |
| Credit loss provision to net charge-offs | 221.3836% | 1,351 |
| Earnings coverage of net charge-offs (x) | 10.2830% | 1,827 |
| Efficiency ratio | 54.5770% | 6,564 |
| Assets per employee ($millions) | 5.1829% | 1,894 |
| Cash dividends to net income (ytd only)* | 26.8262% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 5,455 |
| Loan loss allowance to noncurrent loans | 162.1014% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8014% | 5,288 |
| Noncurrent loans to loans | 0.7535% | 5,402 |
| Net loans and leases to total assets | 72.2184% | 1,748 |
| Net loans and leases to deposits | 81.3987% | 2,539 |
| Net loans and leases to core deposits | 88.0824% | 2,637 |
| Total domestic deposits to total assets | 88.7218% | 1,704 |
| Equity capital to assets | 7.5734% | 6,917 |
| Core capital (leverage) ratio | 7.5186% | 6,733 |
| Tier 1 risk-based capital ratio | 9.3309% | 7,136 |
| Total risk-based capital ratio | 10.4941% | 7,143 |
| Memoranda: | ||
| Average total assets | $328,770,330 | 1,979 |
| Average earning assets | $307,699,670 | 1,928 |
| Average equity | $24,258,330 | 2,631 |
| Average total loans | $247,482,670 | 1,723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 766 |
| Cost of funding earning assets | 1.3060% | 2,141 |
| Net interest margin | 4.4763% | 1,120 |
| Noninterest income to average assets | 0.1102% | 6,861 |
| Noninterest expense to average assets | 2.2708% | 6,256 |
| Loan and lease loss provision to assets | 0.3806% | 2,279 |
| Net operating income to assets | 1.5460% | 788 |
| Return on assets (ROA) | 1.5460% | 824 |
| Pretax return on assets | 1.6249% | 1,133 |
| Return on Equity (ROE) | 21.2583% | 279 |
| Retained earnings to average equity (ytd only) | 16.9550% | 282 |
| Net charge-offs to loans | 0.2374% | 3,131 |
| Credit loss provision to net charge-offs | 209.6552% | 1,425 |
| Earnings coverage of net charge-offs (x) | 11.0483% | 1,583 |
| Efficiency ratio | 53.1030% | 6,774 |
| Assets per employee ($millions) | 5.0883% | 2,038 |
| Cash dividends to net income (ytd only)* | 20.2429% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,772 |
| Loan loss allowance to noncurrent loans | 101.1616% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.1733% | 4,601 |
| Noncurrent loans to loans | 1.1558% | 4,768 |
| Net loans and leases to total assets | 74.6003% | 1,252 |
| Net loans and leases to deposits | 84.0868% | 2,014 |
| Net loans and leases to core deposits | 92.2217% | 2,101 |
| Total domestic deposits to total assets | 88.7183% | 1,947 |
| Equity capital to assets | 7.3825% | 6,935 |
| Core capital (leverage) ratio | 7.4879% | 6,735 |
| Tier 1 risk-based capital ratio | 9.4905% | 7,145 |
| Total risk-based capital ratio | 10.6228% | 7,176 |
| Memoranda: | ||
| Average total assets | $319,528,000 | 2,038 |
| Average earning assets | $297,389,500 | 2,012 |
| Average equity | $23,238,000 | 2,721 |
| Average total loans | $244,282,500 | 1,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1487% | 635 |
| Cost of funding earning assets | 1.6094% | 2,014 |
| Net interest margin | 4.5393% | 1,153 |
| Noninterest income to average assets | 0.2809% | 5,765 |
| Noninterest expense to average assets | 2.4767% | 5,871 |
| Loan and lease loss provision to assets | 0.5865% | 2,788 |
| Net operating income to assets | 1.3641% | 1,024 |
| Return on assets (ROA) | 1.4539% | 914 |
| Pretax return on assets | 1.5284% | 1,306 |
| Return on Equity (ROE) | 18.5952% | 333 |
| Retained earnings to average equity (ytd only) | 16.7712% | 84 |
| Net charge-offs to loans | 0.4227% | 3,930 |
| Credit loss provision to net charge-offs | 176.8817% | 1,882 |
| Earnings coverage of net charge-offs (x) | 6.0935% | 2,443 |
| Efficiency ratio | 55.0737% | 6,705 |
| Assets per employee ($millions) | 5.2234% | 1,830 |
| Cash dividends to net income (ytd only)* | 9.8087% | 3,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 5,886 |
| Loan loss allowance to noncurrent loans | 678.7500% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 5,890 |
| Noncurrent loans to loans | 0.1648% | 6,741 |
| Net loans and leases to total assets | 76.5907% | 1,161 |
| Net loans and leases to deposits | 90.8671% | 1,414 |
| Net loans and leases to core deposits | 100.3298% | 1,592 |
| Total domestic deposits to total assets | 84.2888% | 4,228 |
| Equity capital to assets | 7.1584% | 7,056 |
| Core capital (leverage) ratio | 7.5254% | 6,686 |
| Tier 1 risk-based capital ratio | 9.0951% | 7,225 |
| Total risk-based capital ratio | 10.1640% | 7,264 |
| Memoranda: | ||
| Average total assets | $280,490,800 | 2,279 |
| Average earning assets | $260,525,600 | 2,249 |
| Average equity | $21,930,400 | 2,886 |
| Average total loans | $220,009,000 | 1,969 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2173% | 595 |
| Cost of funding earning assets | 1.6790% | 1,971 |
| Net interest margin | 4.5382% | 1,177 |
| Noninterest income to average assets | 0.3031% | 5,724 |
| Noninterest expense to average assets | 2.5210% | 5,634 |
| Loan and lease loss provision to assets | 0.6063% | 2,512 |
| Net operating income to assets | 1.3364% | 1,268 |
| Return on assets (ROA) | 1.4618% | 1,073 |
| Pretax return on assets | 1.5103% | 1,586 |
| Return on Equity (ROE) | 18.2529% | 463 |
| Retained earnings to average equity (ytd only) | 17.0299% | 133 |
| Net charge-offs to loans | 0.4566% | 3,470 |
| Credit loss provision to net charge-offs | 168.6649% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.5286% | 2,727 |
| Efficiency ratio | 55.9201% | 6,568 |
| Assets per employee ($millions) | 5.2057% | 1,929 |
| Cash dividends to net income (ytd only)* | 6.7002% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 5,995 |
| Loan loss allowance to noncurrent loans | 10,016.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 5,615 |
| Noncurrent loans to loans | 0.0109% | 7,242 |
| Net loans and leases to total assets | 75.4471% | 1,504 |
| Net loans and leases to deposits | 85.7656% | 2,393 |
| Net loans and leases to core deposits | 91.6658% | 2,853 |
| Total domestic deposits to total assets | 87.9690% | 1,975 |
| Equity capital to assets | 7.8088% | 6,927 |
| Core capital (leverage) ratio | 7.6439% | 6,728 |
| Tier 1 risk-based capital ratio | 9.2019% | 7,327 |
| Total risk-based capital ratio | 10.2394% | 7,384 |
| Memoranda: | ||
| Average total assets | $272,262,000 | 2,374 |
| Average earning assets | $252,280,250 | 2,351 |
| Average equity | $21,804,250 | 2,944 |
| Average total loans | $214,322,500 | 2,054 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2557% | 557 |
| Cost of funding earning assets | 1.6839% | 2,202 |
| Net interest margin | 4.5718% | 1,057 |
| Noninterest income to average assets | 0.3156% | 5,634 |
| Noninterest expense to average assets | 2.5163% | 5,660 |
| Loan and lease loss provision to assets | 0.5809% | 2,451 |
| Net operating income to assets | 1.4259% | 1,043 |
| Return on assets (ROA) | 1.5146% | 953 |
| Pretax return on assets | 1.5649% | 1,394 |
| Return on Equity (ROE) | 18.7335% | 410 |
| Retained earnings to average equity (ytd only) | 18.7335% | 111 |
| Net charge-offs to loans | 0.3464% | 3,614 |
| Credit loss provision to net charge-offs | 210.4972% | 1,850 |
| Earnings coverage of net charge-offs (x) | 7.4448% | 2,296 |
| Efficiency ratio | 55.0534% | 6,755 |
| Assets per employee ($millions) | 5.1404% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,957 |
| Loan loss allowance to noncurrent loans | 277.4566% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 1.0721% | 4,985 |
| Noncurrent loans to loans | 0.3951% | 6,452 |
| Net loans and leases to total assets | 78.0158% | 1,111 |
| Net loans and leases to deposits | 89.3011% | 1,966 |
| Net loans and leases to core deposits | 96.7969% | 2,352 |
| Total domestic deposits to total assets | 87.3626% | 2,346 |
| Equity capital to assets | 8.0686% | 6,681 |
| Core capital (leverage) ratio | 7.8446% | 6,445 |
| Tier 1 risk-based capital ratio | 9.2600% | 7,352 |
| Total risk-based capital ratio | 10.2980% | 7,413 |
| Memoranda: | ||
| Average total assets | $262,373,330 | 2,487 |
| Average earning assets | $244,193,670 | 2,453 |
| Average equity | $21,213,330 | 3,013 |
| Average total loans | $208,996,670 | 2,136 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3211% | 508 |
| Cost of funding earning assets | 1.6765% | 2,500 |
| Net interest margin | 4.6446% | 880 |
| Noninterest income to average assets | 0.4271% | 4,684 |
| Noninterest expense to average assets | 2.5764% | 5,447 |
| Loan and lease loss provision to assets | 0.6453% | 1,960 |
| Net operating income to assets | 1.4696% | 946 |
| Return on assets (ROA) | 1.4696% | 1,014 |
| Pretax return on assets | 1.5245% | 1,454 |
| Return on Equity (ROE) | 18.1558% | 501 |
| Retained earnings to average equity (ytd only) | 18.1558% | 239 |
| Net charge-offs to loans | 0.4137% | 2,806 |
| Credit loss provision to net charge-offs | 194.7867% | 1,903 |
| Earnings coverage of net charge-offs (x) | 6.5498% | 2,204 |
| Efficiency ratio | 54.2838% | 6,944 |
| Assets per employee ($millions) | 5.6685% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 6,197 |
| Loan loss allowance to noncurrent loans | 171.4731% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 4,476 |
| Noncurrent loans to loans | 0.6167% | 6,078 |
| Net loans and leases to total assets | 78.9481% | 987 |
| Net loans and leases to deposits | 91.3905% | 1,698 |
| Net loans and leases to core deposits | 98.4458% | 2,302 |
| Total domestic deposits to total assets | 86.3855% | 2,946 |
| Equity capital to assets | 8.1016% | 6,538 |
| Core capital (leverage) ratio | 8.0029% | 6,236 |
| Tier 1 risk-based capital ratio | 9.1212% | 7,454 |
| Total risk-based capital ratio | 10.1068% | 7,529 |
| Memoranda: | ||
| Average total assets | $254,769,500 | 2,603 |
| Average earning assets | $236,920,500 | 2,565 |
| Average equity | $20,621,500 | 3,114 |
| Average total loans | $204,016,500 | 2,233 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4445% | 746 |
| Cost of funding earning assets | 1.9779% | 3,069 |
| Net interest margin | 4.4667% | 1,249 |
| Noninterest income to average assets | 0.4766% | 4,600 |
| Noninterest expense to average assets | 2.5934% | 5,819 |
| Loan and lease loss provision to assets | 0.8507% | 2,611 |
| Net operating income to assets | 1.1522% | 1,385 |
| Return on assets (ROA) | 1.1522% | 1,409 |
| Pretax return on assets | 1.2028% | 1,944 |
| Return on Equity (ROE) | 14.0305% | 780 |
| Retained earnings to average equity (ytd only) | 12.9586% | 157 |
| Net charge-offs to loans | 0.8091% | 2,804 |
| Credit loss provision to net charge-offs | 126.0926% | 4,136 |
| Earnings coverage of net charge-offs (x) | 3.0437% | 3,555 |
| Efficiency ratio | 55.8102% | 7,041 |
| Assets per employee ($millions) | 5.1831% | 1,962 |
| Cash dividends to net income (ytd only)* | 7.6394% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 6,383 |
| Loan loss allowance to noncurrent loans | 136.1470% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 4,122 |
| Noncurrent loans to loans | 0.7346% | 5,786 |
| Net loans and leases to total assets | 79.5758% | 1,073 |
| Net loans and leases to deposits | 98.9979% | 998 |
| Net loans and leases to core deposits | 119.4888% | 1,991 |
| Total domestic deposits to total assets | 80.3813% | 5,557 |
| Equity capital to assets | 8.0864% | 6,483 |
| Core capital (leverage) ratio | 8.0758% | 6,038 |
| Tier 1 risk-based capital ratio | 9.1048% | 7,424 |
| Total risk-based capital ratio | 10.0422% | 7,571 |
| Memoranda: | ||
| Average total assets | $227,226,400 | 2,854 |
| Average earning assets | $212,149,400 | 2,810 |
| Average equity | $18,659,400 | 3,397 |
| Average total loans | $189,481,400 | 2,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4441% | 849 |
| Cost of funding earning assets | 2.0474% | 3,131 |
| Net interest margin | 4.3967% | 1,447 |
| Noninterest income to average assets | 0.5013% | 4,469 |
| Noninterest expense to average assets | 2.5772% | 5,792 |
| Loan and lease loss provision to assets | 0.7351% | 2,540 |
| Net operating income to assets | 1.2477% | 1,349 |
| Return on assets (ROA) | 1.2477% | 1,417 |
| Pretax return on assets | 1.3036% | 1,945 |
| Return on Equity (ROE) | 15.1296% | 756 |
| Retained earnings to average equity (ytd only) | 13.6721% | 214 |
| Net charge-offs to loans | 0.5872% | 2,917 |
| Credit loss provision to net charge-offs | 148.6027% | 3,244 |
| Earnings coverage of net charge-offs (x) | 4.1215% | 3,251 |
| Efficiency ratio | 55.8333% | 7,023 |
| Assets per employee ($millions) | 4.8233% | 2,365 |
| Cash dividends to net income (ytd only)* | 9.6339% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 6,128 |
| Loan loss allowance to noncurrent loans | 73.4484% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 3,692 |
| Noncurrent loans to loans | 1.3966% | 4,577 |
| Net loans and leases to total assets | 81.6523% | 872 |
| Net loans and leases to deposits | 97.5720% | 1,372 |
| Net loans and leases to core deposits | 125.4042% | 1,777 |
| Total domestic deposits to total assets | 83.6841% | 3,868 |
| Equity capital to assets | 8.3591% | 6,431 |
| Core capital (leverage) ratio | 8.1470% | 6,106 |
| Tier 1 risk-based capital ratio | 9.1799% | 7,552 |
| Total risk-based capital ratio | 10.1523% | 7,679 |
| Memoranda: | ||
| Average total assets | $221,836,000 | 2,935 |
| Average earning assets | $207,605,250 | 2,886 |
| Average equity | $18,294,750 | 3,482 |
| Average total loans | $186,858,000 | 2,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4025% | 1,006 |
| Cost of funding earning assets | 2.1227% | 3,174 |
| Net interest margin | 4.2799% | 1,704 |
| Noninterest income to average assets | 0.5493% | 4,044 |
| Noninterest expense to average assets | 2.5253% | 6,035 |
| Loan and lease loss provision to assets | 0.6212% | 2,568 |
| Net operating income to assets | 1.3567% | 1,110 |
| Return on assets (ROA) | 1.3567% | 1,180 |
| Pretax return on assets | 1.4037% | 1,714 |
| Return on Equity (ROE) | 16.5322% | 639 |
| Retained earnings to average equity (ytd only) | 14.2860% | 245 |
| Net charge-offs to loans | 0.4062% | 3,168 |
| Credit loss provision to net charge-offs | 180.2139% | 2,536 |
| Earnings coverage of net charge-offs (x) | 5.8743% | 2,738 |
| Efficiency ratio | 55.4993% | 7,165 |
| Assets per employee ($millions) | 4.5985% | 2,612 |
| Cash dividends to net income (ytd only)* | 13.5870% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 6,333 |
| Loan loss allowance to noncurrent loans | 101.3333% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.5049% | 3,977 |
| Noncurrent loans to loans | 0.9753% | 5,264 |
| Net loans and leases to total assets | 84.4768% | 562 |
| Net loans and leases to deposits | 101.5346% | 1,114 |
| Net loans and leases to core deposits | 130.6624% | 1,510 |
| Total domestic deposits to total assets | 83.2000% | 4,149 |
| Equity capital to assets | 8.2857% | 6,359 |
| Core capital (leverage) ratio | 8.2548% | 5,878 |
| Tier 1 risk-based capital ratio | 9.2922% | 7,546 |
| Total risk-based capital ratio | 10.2581% | 7,706 |
| Memoranda: | ||
| Average total assets | $217,001,330 | 3,017 |
| Average earning assets | $202,857,000 | 2,968 |
| Average equity | $17,807,670 | 3,577 |
| Average total loans | $184,151,670 | 2,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3137% | 1,258 |
| Cost of funding earning assets | 2.2394% | 2,964 |
| Net interest margin | 4.0744% | 2,385 |
| Noninterest income to average assets | 0.5281% | 4,073 |
| Noninterest expense to average assets | 2.4281% | 6,105 |
| Loan and lease loss provision to assets | 0.4849% | 2,540 |
| Net operating income to assets | 1.3794% | 1,184 |
| Return on assets (ROA) | 1.3794% | 1,277 |
| Pretax return on assets | 1.4208% | 1,909 |
| Return on Equity (ROE) | 16.8964% | 701 |
| Retained earnings to average equity (ytd only) | 16.8964% | 283 |
| Net charge-offs to loans | 0.5619% | 2,065 |
| Credit loss provision to net charge-offs | 101.9763% | 3,673 |
| Earnings coverage of net charge-offs (x) | 4.0079% | 3,004 |
| Efficiency ratio | 56.0278% | 6,969 |
| Assets per employee ($millions) | 4.8249% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 6,890 |
| Loan loss allowance to noncurrent loans | 152.2770% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 4,643 |
| Noncurrent loans to loans | 0.5687% | 5,994 |
| Net loans and leases to total assets | 84.6137% | 608 |
| Net loans and leases to deposits | 106.4397% | 831 |
| Net loans and leases to core deposits | 142.9689% | 969 |
| Total domestic deposits to total assets | 79.4945% | 5,543 |
| Equity capital to assets | 8.2055% | 6,530 |
| Core capital (leverage) ratio | 8.2628% | 5,976 |
| Tier 1 risk-based capital ratio | 9.2247% | 7,652 |
| Total risk-based capital ratio | 10.0785% | 7,917 |
| Memoranda: | ||
| Average total assets | $212,838,500 | 3,085 |
| Average earning assets | $198,804,500 | 3,029 |
| Average equity | $17,376,500 | 3,659 |
| Average total loans | $180,103,000 | 2,593 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5757% | 2,600 |
| Cost of funding earning assets | 2.7857% | 2,767 |
| Net interest margin | 3.7901% | 4,063 |
| Noninterest income to average assets | 0.4310% | 5,205 |
| Noninterest expense to average assets | 2.6375% | 5,502 |
| Loan and lease loss provision to assets | 0.2896% | 4,063 |
| Net operating income to assets | 0.9606% | 2,742 |
| Return on assets (ROA) | 0.9571% | 2,625 |
| Pretax return on assets | 1.0022% | 3,378 |
| Return on Equity (ROE) | 11.5218% | 1,746 |
| Retained earnings to average equity (ytd only) | 8.2872% | 759 |
| Net charge-offs to loans | 0.2728% | 3,585 |
| Credit loss provision to net charge-offs | 122.7790% | 4,374 |
| Earnings coverage of net charge-offs (x) | 5.4920% | 3,629 |
| Efficiency ratio | 67.0583% | 4,899 |
| Assets per employee ($millions) | 5.0867% | 1,858 |
| Cash dividends to net income (ytd only)* | 28.0741% | 4,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,592 |
| Loan loss allowance to noncurrent loans | 286.7384% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 4,443 |
| Noncurrent loans to loans | 0.3191% | 6,417 |
| Net loans and leases to total assets | 83.0889% | 1,032 |
| Net loans and leases to deposits | 101.7940% | 1,605 |
| Net loans and leases to core deposits | 139.9556% | 1,272 |
| Total domestic deposits to total assets | 81.6245% | 4,361 |
| Equity capital to assets | 8.1211% | 6,668 |
| Core capital (leverage) ratio | 8.2443% | 6,064 |
| Tier 1 risk-based capital ratio | 9.2223% | 7,593 |
| Total risk-based capital ratio | 10.1162% | 7,904 |
| Memoranda: | ||
| Average total assets | $186,087,800 | 3,325 |
| Average earning assets | $171,950,200 | 3,306 |
| Average equity | $15,457,600 | 4,035 |
| Average total loans | $160,908,600 | 2,762 |