Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 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 | 4.1682% | 3,686 |
| Cost of funding earning assets | 1.5744% | 1,762 |
| Net interest margin | 2.5937% | 3,972 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.0961% | 3,413 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8976% | 2,553 |
| Return on assets (ROA) | 0.9001% | 2,521 |
| Pretax return on assets | 0.9414% | 2,838 |
| Return on Equity (ROE) | 7.3800% | 3,195 |
| Retained earnings to average equity (ytd only) | 3.5054% | 3,122 |
| Net charge-offs to loans | 0.0061% | 2,474 |
| Credit loss provision to net charge-offs | 425.5319% | 753 |
| Earnings coverage of net charge-offs (x) | 210.4255% | 568 |
| Efficiency ratio | 68.6281% | 2,043 |
| Assets per employee ($millions) | 7.1481% | 1,974 |
| Cash dividends to net income (ytd only)* | 52.4865% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1698% | 2,458 |
| Loan loss allowance to noncurrent loans | 456,650.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 3,868 |
| Noncurrent loans to loans | 0.0003% | 3,816 |
| Net loans and leases to total assets | 74.9600% | 1,250 |
| Net loans and leases to deposits | 90.3175% | 1,236 |
| Net loans and leases to core deposits | 95.8134% | 1,661 |
| Total domestic deposits to total assets | 83.0000% | 2,892 |
| Equity capital to assets | 12.8529% | 886 |
| Core capital (leverage) ratio | 14.1661% | 770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,032,134,000 | 960 |
| Average earning assets | $995,402,200 | 913 |
| Average equity | $125,920,400 | 786 |
| Average total loans | $773,876,000 | 890 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,631 |
| Cost of funding earning assets | 1.4720% | 1,682 |
| Net interest margin | 2.6423% | 3,961 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.1081% | 3,336 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9175% | 2,627 |
| Return on assets (ROA) | 0.9208% | 2,600 |
| Pretax return on assets | 0.9629% | 2,950 |
| Return on Equity (ROE) | 7.6500% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.3760% | 3,422 |
| Net charge-offs to loans | 0.0010% | 2,592 |
| Credit loss provision to net charge-offs | 3,333.3333% | 143 |
| Earnings coverage of net charge-offs (x) | 1,272.0000% | 124 |
| Efficiency ratio | 68.1496% | 1,997 |
| Assets per employee ($millions) | 6.9264% | 2,009 |
| Cash dividends to net income (ytd only)* | 55.8671% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,395 |
| Loan loss allowance to noncurrent loans | 152,900.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,883 |
| Noncurrent loans to loans | 0.0008% | 3,831 |
| Net loans and leases to total assets | 75.6300% | 1,162 |
| Net loans and leases to deposits | 90.7759% | 1,168 |
| Net loans and leases to core deposits | 96.1290% | 1,545 |
| Total domestic deposits to total assets | 83.3200% | 2,959 |
| Equity capital to assets | 12.1595% | 996 |
| Core capital (leverage) ratio | 13.8719% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,032,836,500 | 954 |
| Average earning assets | $995,779,750 | 909 |
| Average equity | $124,326,000 | 789 |
| Average total loans | $772,162,750 | 887 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,662 |
| Cost of funding earning assets | 1.3739% | 1,521 |
| Net interest margin | 2.6379% | 4,060 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 2.1291% | 3,270 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8619% | 2,881 |
| Return on assets (ROA) | 0.8669% | 2,863 |
| Pretax return on assets | 0.9062% | 3,148 |
| Return on Equity (ROE) | 7.2300% | 3,429 |
| Retained earnings to average equity (ytd only) | 2.7539% | 3,547 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.3847% | 1,825 |
| Assets per employee ($millions) | 7.1063% | 1,843 |
| Cash dividends to net income (ytd only)* | 61.8858% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,502 |
| Loan loss allowance to noncurrent loans | 1,291.2799% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,087 |
| Noncurrent loans to loans | 0.0919% | 3,043 |
| Net loans and leases to total assets | 73.1400% | 1,393 |
| Net loans and leases to deposits | 87.1619% | 1,416 |
| Net loans and leases to core deposits | 92.0978% | 1,682 |
| Total domestic deposits to total assets | 83.9200% | 2,838 |
| Equity capital to assets | 12.0159% | 1,044 |
| Core capital (leverage) ratio | 13.3894% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,042,338,333 | 933 |
| Average earning assets | $1,005,729,667 | 898 |
| Average equity | $125,060,667 | 782 |
| Average total loans | $773,284,333 | 865 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 3,725 |
| Cost of funding earning assets | 1.2201% | 1,402 |
| Net interest margin | 2.6563% | 4,139 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.1556% | 3,237 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.8237% | 3,120 |
| Return on assets (ROA) | 0.8237% | 3,070 |
| Pretax return on assets | 0.8617% | 3,326 |
| Return on Equity (ROE) | 6.8700% | 3,550 |
| Retained earnings to average equity (ytd only) | 2.3904% | 3,630 |
| Net charge-offs to loans | -0.0026% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6672% | 1,779 |
| Assets per employee ($millions) | 7.2370% | 1,792 |
| Cash dividends to net income (ytd only)* | 65.2052% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,582 |
| Loan loss allowance to noncurrent loans | 8,128.3186% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 3,753 |
| Noncurrent loans to loans | 0.0147% | 3,705 |
| Net loans and leases to total assets | 72.8700% | 1,333 |
| Net loans and leases to deposits | 88.5506% | 1,162 |
| Net loans and leases to core deposits | 93.2770% | 1,438 |
| Total domestic deposits to total assets | 82.3000% | 3,435 |
| Equity capital to assets | 12.1518% | 952 |
| Core capital (leverage) ratio | 13.3940% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,041,197,000 | 952 |
| Average earning assets | $1,005,453,500 | 916 |
| Average equity | $124,830,500 | 792 |
| Average total loans | $773,299,000 | 883 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 3,488 |
| Cost of funding earning assets | 0.4173% | 1,966 |
| Net interest margin | 2.9267% | 3,618 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.1607% | 3,124 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.0813% | 2,256 |
| Return on assets (ROA) | 1.0813% | 2,200 |
| Pretax return on assets | 1.1467% | 2,621 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,194 |
| Net charge-offs to loans | 0.0064% | 2,174 |
| Credit loss provision to net charge-offs | 978.2609% | 442 |
| Earnings coverage of net charge-offs (x) | 272.6739% | 524 |
| Efficiency ratio | 64.4976% | 2,436 |
| Assets per employee ($millions) | 7.1251% | 1,878 |
| Cash dividends to net income (ytd only)* | 48.9696% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 2,621 |
| Loan loss allowance to noncurrent loans | 1,878.6611% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 3,351 |
| Noncurrent loans to loans | 0.0614% | 3,310 |
| Net loans and leases to total assets | 73.9200% | 1,222 |
| Net loans and leases to deposits | 87.6242% | 1,199 |
| Net loans and leases to core deposits | 92.2103% | 1,375 |
| Total domestic deposits to total assets | 84.3600% | 3,137 |
| Equity capital to assets | 11.8262% | 981 |
| Core capital (leverage) ratio | 13.3404% | 855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,054,598,400 | 937 |
| Average earning assets | $1,015,922,400 | 894 |
| Average equity | $125,159,800 | 787 |
| Average total loans | $716,467,000 | 886 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1828% | 3,475 |
| Cost of funding earning assets | 0.3148% | 2,017 |
| Net interest margin | 2.8679% | 3,574 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.7263% | 4,116 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4888% | 876 |
| Return on assets (ROA) | 1.4888% | 860 |
| Pretax return on assets | 1.5566% | 1,243 |
| Return on Equity (ROE) | 12.5300% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.0299% | 1,987 |
| Net charge-offs to loans | 0.0076% | 1,854 |
| Credit loss provision to net charge-offs | 375.0000% | 729 |
| Earnings coverage of net charge-offs (x) | 312.6000% | 457 |
| Efficiency ratio | 52.2839% | 3,987 |
| Assets per employee ($millions) | 7.2895% | 1,762 |
| Cash dividends to net income (ytd only)* | 35.9343% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,583 |
| Loan loss allowance to noncurrent loans | 3,474.4000% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 3,704 |
| Noncurrent loans to loans | 0.0342% | 3,647 |
| Net loans and leases to total assets | 69.6900% | 1,505 |
| Net loans and leases to deposits | 81.1071% | 1,516 |
| Net loans and leases to core deposits | 84.0855% | 1,647 |
| Total domestic deposits to total assets | 85.9200% | 3,085 |
| Equity capital to assets | 11.5950% | 974 |
| Core capital (leverage) ratio | 13.3464% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,058,183,250 | 938 |
| Average earning assets | $1,018,451,000 | 900 |
| Average equity | $125,694,000 | 793 |
| Average total loans | $701,090,250 | 902 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9605% | 3,653 |
| Cost of funding earning assets | 0.2687% | 2,042 |
| Net interest margin | 2.6918% | 3,713 |
| Noninterest income to average assets | 0.5250% | 2,061 |
| Noninterest expense to average assets | 1.9466% | 3,579 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1165% | 1,717 |
| Return on assets (ROA) | 1.1165% | 1,692 |
| Pretax return on assets | 1.1726% | 2,162 |
| Return on Equity (ROE) | 9.3271% | 2,590 |
| Retained earnings to average equity (ytd only) | 5.0006% | 2,711 |
| Net charge-offs to loans | -0.0055% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4075% | 2,995 |
| Assets per employee ($millions) | 7.3636% | 1,690 |
| Cash dividends to net income (ytd only)* | 46.3866% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,539 |
| Loan loss allowance to noncurrent loans | 2,298.1283% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,629 |
| Noncurrent loans to loans | 0.0535% | 3,547 |
| Net loans and leases to total assets | 65.1366% | 1,796 |
| Net loans and leases to deposits | 76.2388% | 1,674 |
| Net loans and leases to core deposits | 78.9245% | 1,781 |
| Total domestic deposits to total assets | 85.4376% | 3,385 |
| Equity capital to assets | 11.7010% | 960 |
| Core capital (leverage) ratio | 12.5434% | 959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,065,875,000 | 925 |
| Average earning assets | $1,027,183,333 | 896 |
| Average equity | $127,585,000 | 785 |
| Average total loans | $691,447,333 | 900 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8195% | 3,713 |
| Cost of funding earning assets | 0.2648% | 1,979 |
| Net interest margin | 2.5547% | 3,777 |
| Noninterest income to average assets | 0.5300% | 1,995 |
| Noninterest expense to average assets | 1.9887% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9530% | 2,066 |
| Return on assets (ROA) | 0.9530% | 2,062 |
| Pretax return on assets | 1.0005% | 2,437 |
| Return on Equity (ROE) | 7.8738% | 2,728 |
| Retained earnings to average equity (ytd only) | 3.6616% | 3,051 |
| Net charge-offs to loans | -0.0151% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5289% | 2,702 |
| Assets per employee ($millions) | 7.5049% | 1,679 |
| Cash dividends to net income (ytd only)* | 53.4957% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,694 |
| Loan loss allowance to noncurrent loans | 2,705.0314% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 3,386 |
| Noncurrent loans to loans | 0.0455% | 3,651 |
| Net loans and leases to total assets | 65.2098% | 1,495 |
| Net loans and leases to deposits | 77.2810% | 1,342 |
| Net loans and leases to core deposits | 80.2847% | 1,460 |
| Total domestic deposits to total assets | 84.3802% | 3,680 |
| Equity capital to assets | 11.9511% | 973 |
| Core capital (leverage) ratio | 12.4497% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,068,632,000 | 924 |
| Average earning assets | $1,028,698,500 | 903 |
| Average equity | $129,341,000 | 796 |
| Average total loans | $687,532,000 | 895 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0739% | 3,736 |
| Cost of funding earning assets | 0.3272% | 2,142 |
| Net interest margin | 2.7467% | 3,790 |
| Noninterest income to average assets | 0.5810% | 2,233 |
| Noninterest expense to average assets | 1.8621% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2913% | 1,622 |
| Return on assets (ROA) | 1.2913% | 1,672 |
| Pretax return on assets | 1.3580% | 2,178 |
| Return on Equity (ROE) | 10.6271% | 2,300 |
| Retained earnings to average equity (ytd only) | 6.3147% | 2,222 |
| Net charge-offs to loans | 0.0024% | 2,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 898.2500% | 165 |
| Efficiency ratio | 57.8286% | 3,473 |
| Assets per employee ($millions) | 7.4935% | 1,622 |
| Cash dividends to net income (ytd only)* | 40.5795% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 2,515 |
| Loan loss allowance to noncurrent loans | 2,239.1645% | 485 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,453 |
| Noncurrent loans to loans | 0.0566% | 3,671 |
| Net loans and leases to total assets | 61.8903% | 1,955 |
| Net loans and leases to deposits | 73.6851% | 1,748 |
| Net loans and leases to core deposits | 76.9284% | 1,845 |
| Total domestic deposits to total assets | 83.9929% | 3,569 |
| Equity capital to assets | 12.2528% | 1,151 |
| Core capital (leverage) ratio | 12.3463% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,058,351,400 | 922 |
| Average earning assets | $1,016,888,000 | 894 |
| Average equity | $128,605,200 | 809 |
| Average total loans | $673,816,200 | 909 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1215% | 3,766 |
| Cost of funding earning assets | 0.3431% | 2,181 |
| Net interest margin | 2.7784% | 3,828 |
| Noninterest income to average assets | 0.5841% | 2,279 |
| Noninterest expense to average assets | 1.8987% | 3,948 |
| Loan and lease loss provision to assets | 0.0254% | 2,489 |
| Net operating income to assets | 1.2636% | 1,944 |
| Return on assets (ROA) | 1.2636% | 2,000 |
| Pretax return on assets | 1.3288% | 2,543 |
| Return on Equity (ROE) | 10.4208% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.0284% | 2,808 |
| Net charge-offs to loans | 0.0010% | 2,414 |
| Credit loss provision to net charge-offs | 4,000.0000% | 195 |
| Earnings coverage of net charge-offs (x) | 2,139.2000% | 66 |
| Efficiency ratio | 58.3716% | 3,212 |
| Assets per employee ($millions) | 7.1865% | 1,744 |
| Cash dividends to net income (ytd only)* | 42.1501% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 2,356 |
| Loan loss allowance to noncurrent loans | 774.1850% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 3,121 |
| Noncurrent loans to loans | 0.1715% | 3,258 |
| Net loans and leases to total assets | 63.1011% | 1,880 |
| Net loans and leases to deposits | 75.3703% | 1,728 |
| Net loans and leases to core deposits | 78.6504% | 1,845 |
| Total domestic deposits to total assets | 83.7214% | 3,532 |
| Equity capital to assets | 12.6163% | 1,127 |
| Core capital (leverage) ratio | 12.2077% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,053,172,250 | 935 |
| Average earning assets | $1,011,581,000 | 904 |
| Average equity | $127,702,500 | 824 |
| Average total loans | $673,166,750 | 930 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0583% | 3,943 |
| Cost of funding earning assets | 0.3570% | 2,256 |
| Net interest margin | 2.7013% | 3,979 |
| Noninterest income to average assets | 0.5787% | 2,302 |
| Noninterest expense to average assets | 1.9113% | 3,934 |
| Loan and lease loss provision to assets | 0.0378% | 2,236 |
| Net operating income to assets | 1.1655% | 2,312 |
| Return on assets (ROA) | 1.1655% | 2,374 |
| Pretax return on assets | 1.2256% | 2,843 |
| Return on Equity (ROE) | 9.7405% | 2,860 |
| Retained earnings to average equity (ytd only) | 5.2813% | 3,082 |
| Net charge-offs to loans | 0.0018% | 2,149 |
| Credit loss provision to net charge-offs | 3,333.3333% | 194 |
| Earnings coverage of net charge-offs (x) | 1,115.1667% | 113 |
| Efficiency ratio | 60.2058% | 2,993 |
| Assets per employee ($millions) | 7.4799% | 1,492 |
| Cash dividends to net income (ytd only)* | 45.7800% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,351 |
| Loan loss allowance to noncurrent loans | 846.4355% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 3,354 |
| Noncurrent loans to loans | 0.1557% | 3,425 |
| Net loans and leases to total assets | 60.6688% | 2,339 |
| Net loans and leases to deposits | 72.1438% | 2,192 |
| Net loans and leases to core deposits | 75.3980% | 2,296 |
| Total domestic deposits to total assets | 84.0943% | 3,403 |
| Equity capital to assets | 11.8239% | 1,449 |
| Core capital (leverage) ratio | 11.5854% | 1,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,059,277,333 | 925 |
| Average earning assets | $1,017,951,333 | 897 |
| Average equity | $126,749,667 | 823 |
| Average total loans | $676,958,000 | 928 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1255% | 3,838 |
| Cost of funding earning assets | 0.3682% | 2,367 |
| Net interest margin | 2.7574% | 3,855 |
| Noninterest income to average assets | 0.6161% | 2,143 |
| Noninterest expense to average assets | 1.9690% | 3,811 |
| Loan and lease loss provision to assets | 0.0764% | 1,666 |
| Net operating income to assets | 1.1615% | 2,294 |
| Return on assets (ROA) | 1.1615% | 2,362 |
| Pretax return on assets | 1.2211% | 2,784 |
| Return on Equity (ROE) | 9.6473% | 2,804 |
| Retained earnings to average equity (ytd only) | 5.1617% | 3,178 |
| Net charge-offs to loans | 0.0065% | 1,668 |
| Credit loss provision to net charge-offs | 1,818.1818% | 261 |
| Earnings coverage of net charge-offs (x) | 308.6364% | 287 |
| Efficiency ratio | 60.2785% | 3,000 |
| Assets per employee ($millions) | 7.2158% | 1,632 |
| Cash dividends to net income (ytd only)* | 46.4956% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,510 |
| Loan loss allowance to noncurrent loans | 893.2859% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1313% | 3,520 |
| Noncurrent loans to loans | 0.1437% | 3,600 |
| Net loans and leases to total assets | 64.1099% | 2,026 |
| Net loans and leases to deposits | 76.3013% | 1,877 |
| Net loans and leases to core deposits | 79.7918% | 2,022 |
| Total domestic deposits to total assets | 84.0219% | 3,426 |
| Equity capital to assets | 12.0057% | 1,280 |
| Core capital (leverage) ratio | 12.0426% | 1,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,046,621,000 | 921 |
| Average earning assets | $1,006,035,000 | 892 |
| Average equity | $126,004,000 | 824 |
| Average total loans | $682,040,000 | 921 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 3,491 |
| Cost of funding earning assets | 0.6102% | 2,238 |
| Net interest margin | 3.1203% | 3,582 |
| Noninterest income to average assets | 0.6724% | 1,944 |
| Noninterest expense to average assets | 2.0029% | 4,137 |
| Loan and lease loss provision to assets | 0.1361% | 2,660 |
| Net operating income to assets | 1.4428% | 930 |
| Return on assets (ROA) | 1.4428% | 1,011 |
| Pretax return on assets | 1.5190% | 1,273 |
| Return on Equity (ROE) | 11.0595% | 1,605 |
| Retained earnings to average equity (ytd only) | 5.9204% | 1,831 |
| Net charge-offs to loans | 0.0882% | 1,579 |
| Credit loss provision to net charge-offs | 213.8047% | 2,095 |
| Earnings coverage of net charge-offs (x) | 25.9966% | 1,731 |
| Efficiency ratio | 54.7527% | 4,117 |
| Assets per employee ($millions) | 7.3740% | 1,351 |
| Cash dividends to net income (ytd only)* | 46.4676% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,598 |
| Loan loss allowance to noncurrent loans | 647.4755% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 3,541 |
| Noncurrent loans to loans | 0.1952% | 3,507 |
| Net loans and leases to total assets | 64.5650% | 2,287 |
| Net loans and leases to deposits | 77.3217% | 2,145 |
| Net loans and leases to core deposits | 81.0112% | 2,275 |
| Total domestic deposits to total assets | 83.5018% | 3,264 |
| Equity capital to assets | 12.0730% | 1,528 |
| Core capital (leverage) ratio | 12.0940% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $932,970,000 | 940 |
| Average earning assets | $892,691,200 | 907 |
| Average equity | $121,714,200 | 815 |
| Average total loans | $673,846,000 | 895 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,492 |
| Cost of funding earning assets | 0.6752% | 2,169 |
| Net interest margin | 3.1497% | 3,618 |
| Noninterest income to average assets | 0.6837% | 1,846 |
| Noninterest expense to average assets | 2.0485% | 4,050 |
| Loan and lease loss provision to assets | 0.1133% | 2,910 |
| Net operating income to assets | 1.4568% | 983 |
| Return on assets (ROA) | 1.4568% | 1,070 |
| Pretax return on assets | 1.5314% | 1,374 |
| Return on Equity (ROE) | 10.9326% | 1,706 |
| Retained earnings to average equity (ytd only) | 6.3286% | 1,959 |
| Net charge-offs to loans | 0.0036% | 3,041 |
| Credit loss provision to net charge-offs | 4,277.7778% | 262 |
| Earnings coverage of net charge-offs (x) | 621.0556% | 195 |
| Efficiency ratio | 55.4675% | 3,986 |
| Assets per employee ($millions) | 7.0465% | 1,467 |
| Cash dividends to net income (ytd only)* | 42.1127% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,488 |
| Loan loss allowance to noncurrent loans | 584.4909% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 3,556 |
| Noncurrent loans to loans | 0.2107% | 3,540 |
| Net loans and leases to total assets | 71.4907% | 1,747 |
| Net loans and leases to deposits | 86.6965% | 1,621 |
| Net loans and leases to core deposits | 91.2878% | 1,858 |
| Total domestic deposits to total assets | 82.4609% | 3,297 |
| Equity capital to assets | 12.7584% | 1,302 |
| Core capital (leverage) ratio | 12.8780% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,280,000 | 948 |
| Average earning assets | $865,911,250 | 919 |
| Average equity | $120,761,000 | 810 |
| Average total loans | $672,334,000 | 894 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 3,419 |
| Cost of funding earning assets | 0.7482% | 2,131 |
| Net interest margin | 3.2157% | 3,622 |
| Noninterest income to average assets | 0.6763% | 1,825 |
| Noninterest expense to average assets | 2.0981% | 4,033 |
| Loan and lease loss provision to assets | 0.1063% | 2,945 |
| Net operating income to assets | 1.4507% | 1,021 |
| Return on assets (ROA) | 1.4507% | 1,104 |
| Pretax return on assets | 1.5467% | 1,349 |
| Return on Equity (ROE) | 10.7204% | 1,734 |
| Retained earnings to average equity (ytd only) | 6.7425% | 1,761 |
| Net charge-offs to loans | 0.0051% | 2,782 |
| Credit loss provision to net charge-offs | 2,764.7059% | 380 |
| Earnings coverage of net charge-offs (x) | 429.8824% | 231 |
| Efficiency ratio | 55.9334% | 3,952 |
| Assets per employee ($millions) | 6.8977% | 1,506 |
| Cash dividends to net income (ytd only)* | 37.1063% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,583 |
| Loan loss allowance to noncurrent loans | 678.7510% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 3,764 |
| Noncurrent loans to loans | 0.1749% | 3,748 |
| Net loans and leases to total assets | 73.1952% | 1,532 |
| Net loans and leases to deposits | 88.8488% | 1,471 |
| Net loans and leases to core deposits | 93.4061% | 1,796 |
| Total domestic deposits to total assets | 82.3817% | 3,271 |
| Equity capital to assets | 12.8701% | 1,219 |
| Core capital (leverage) ratio | 12.8780% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $884,233,000 | 951 |
| Average earning assets | $845,468,000 | 924 |
| Average equity | $119,659,667 | 808 |
| Average total loans | $661,825,667 | 891 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1624% | 3,347 |
| Cost of funding earning assets | 0.8505% | 2,111 |
| Net interest margin | 3.3120% | 3,562 |
| Noninterest income to average assets | 0.7262% | 1,545 |
| Noninterest expense to average assets | 2.3495% | 3,655 |
| Loan and lease loss provision to assets | 0.0800% | 2,713 |
| Net operating income to assets | 1.3979% | 984 |
| Return on assets (ROA) | 1.3979% | 1,062 |
| Pretax return on assets | 1.4694% | 1,386 |
| Return on Equity (ROE) | 10.0545% | 1,732 |
| Retained earnings to average equity (ytd only) | 6.0286% | 1,860 |
| Net charge-offs to loans | -0.0025% | 3,692 |
| Credit loss provision to net charge-offs | -4,250.0000% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2606% | 3,708 |
| Assets per employee ($millions) | 6.1757% | 1,538 |
| Cash dividends to net income (ytd only)* | 40.0404% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,395 |
| Loan loss allowance to noncurrent loans | 303.3371% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 3,186 |
| Noncurrent loans to loans | 0.4118% | 3,019 |
| Net loans and leases to total assets | 75.0378% | 1,453 |
| Net loans and leases to deposits | 93.1705% | 1,161 |
| Net loans and leases to core deposits | 98.1163% | 1,614 |
| Total domestic deposits to total assets | 80.5382% | 3,756 |
| Equity capital to assets | 13.9896% | 1,063 |
| Core capital (leverage) ratio | 14.0804% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $850,408,500 | 959 |
| Average earning assets | $814,623,500 | 925 |
| Average equity | $118,235,500 | 812 |
| Average total loans | $640,188,000 | 892 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 3,535 |
| Cost of funding earning assets | 0.9203% | 2,112 |
| Net interest margin | 3.3834% | 3,789 |
| Noninterest income to average assets | 0.7095% | 1,780 |
| Noninterest expense to average assets | 2.2506% | 4,061 |
| Loan and lease loss provision to assets | 0.0488% | 3,047 |
| Net operating income to assets | 1.5517% | 938 |
| Return on assets (ROA) | 1.5517% | 993 |
| Pretax return on assets | 1.6457% | 1,345 |
| Return on Equity (ROE) | 11.1691% | 1,820 |
| Retained earnings to average equity (ytd only) | 5.8082% | 1,978 |
| Net charge-offs to loans | 0.0344% | 2,696 |
| Credit loss provision to net charge-offs | 186.9159% | 1,412 |
| Earnings coverage of net charge-offs (x) | 64.8551% | 938 |
| Efficiency ratio | 57.0469% | 4,086 |
| Assets per employee ($millions) | 6.1491% | 1,517 |
| Cash dividends to net income (ytd only)* | 47.9975% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,166 |
| Loan loss allowance to noncurrent loans | 622.3270% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 3,880 |
| Noncurrent loans to loans | 0.2010% | 3,735 |
| Net loans and leases to total assets | 73.6371% | 1,810 |
| Net loans and leases to deposits | 91.2666% | 1,458 |
| Net loans and leases to core deposits | 96.1637% | 1,885 |
| Total domestic deposits to total assets | 80.6836% | 3,837 |
| Equity capital to assets | 13.8168% | 1,161 |
| Core capital (leverage) ratio | 13.8025% | 981 |
| Tier 1 risk-based capital ratio | 17.9340% | 1,777 |
| Total risk-based capital ratio | 19.1588% | 1,730 |
| Memoranda: | ||
| Average total assets | $819,041,800 | 955 |
| Average earning assets | $783,258,600 | 926 |
| Average equity | $113,786,800 | 799 |
| Average total loans | $621,388,000 | 888 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 3,581 |
| Cost of funding earning assets | 0.9184% | 2,143 |
| Net interest margin | 3.4059% | 3,852 |
| Noninterest income to average assets | 0.7009% | 1,779 |
| Noninterest expense to average assets | 2.2482% | 4,079 |
| Loan and lease loss provision to assets | 0.0411% | 3,083 |
| Net operating income to assets | 1.5868% | 965 |
| Return on assets (ROA) | 1.5868% | 1,009 |
| Pretax return on assets | 1.6678% | 1,425 |
| Return on Equity (ROE) | 11.4058% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.1918% | 1,762 |
| Net charge-offs to loans | 0.0192% | 2,734 |
| Credit loss provision to net charge-offs | 280.8989% | 996 |
| Earnings coverage of net charge-offs (x) | 116.8913% | 667 |
| Efficiency ratio | 56.8143% | 4,083 |
| Assets per employee ($millions) | 5.9549% | 1,635 |
| Cash dividends to net income (ytd only)* | 36.9462% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 2,187 |
| Loan loss allowance to noncurrent loans | 394.9449% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 3,597 |
| Noncurrent loans to loans | 0.3184% | 3,384 |
| Net loans and leases to total assets | 75.3901% | 1,585 |
| Net loans and leases to deposits | 93.3552% | 1,285 |
| Net loans and leases to core deposits | 98.8233% | 1,758 |
| Total domestic deposits to total assets | 80.7562% | 3,817 |
| Equity capital to assets | 14.2119% | 1,074 |
| Core capital (leverage) ratio | 14.2103% | 931 |
| Tier 1 risk-based capital ratio | 18.0003% | 1,817 |
| Total risk-based capital ratio | 19.2313% | 1,773 |
| Memoranda: | ||
| Average total assets | $811,660,000 | 967 |
| Average earning assets | $775,958,250 | 934 |
| Average equity | $112,922,250 | 804 |
| Average total loans | $618,540,500 | 893 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2695% | 3,731 |
| Cost of funding earning assets | 0.8995% | 2,142 |
| Net interest margin | 3.3700% | 3,988 |
| Noninterest income to average assets | 0.6750% | 1,812 |
| Noninterest expense to average assets | 2.2635% | 4,094 |
| Loan and lease loss provision to assets | 0.0619% | 2,583 |
| Net operating income to assets | 1.5002% | 1,151 |
| Return on assets (ROA) | 1.5002% | 1,202 |
| Pretax return on assets | 1.5767% | 1,619 |
| Return on Equity (ROE) | 10.8623% | 2,037 |
| Retained earnings to average equity (ytd only) | 6.6002% | 2,007 |
| Net charge-offs to loans | 0.0149% | 2,601 |
| Credit loss provision to net charge-offs | 543.4783% | 567 |
| Earnings coverage of net charge-offs (x) | 143.9565% | 515 |
| Efficiency ratio | 58.0089% | 4,010 |
| Assets per employee ($millions) | 5.9220% | 1,602 |
| Cash dividends to net income (ytd only)* | 39.2380% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 2,084 |
| Loan loss allowance to noncurrent loans | 481.7243% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 3,780 |
| Noncurrent loans to loans | 0.2663% | 3,578 |
| Net loans and leases to total assets | 73.6336% | 1,945 |
| Net loans and leases to deposits | 91.5649% | 1,541 |
| Net loans and leases to core deposits | 97.6118% | 1,917 |
| Total domestic deposits to total assets | 80.4168% | 3,955 |
| Equity capital to assets | 13.7801% | 1,204 |
| Core capital (leverage) ratio | 13.9642% | 972 |
| Tier 1 risk-based capital ratio | 17.6574% | 1,890 |
| Total risk-based capital ratio | 18.8974% | 1,848 |
| Memoranda: | ||
| Average total assets | $808,290,000 | 968 |
| Average earning assets | $773,998,000 | 932 |
| Average equity | $111,633,330 | 812 |
| Average total loans | $615,579,330 | 896 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2444% | 3,729 |
| Cost of funding earning assets | 0.8584% | 2,222 |
| Net interest margin | 3.3860% | 3,924 |
| Noninterest income to average assets | 0.6397% | 1,865 |
| Noninterest expense to average assets | 2.2870% | 4,056 |
| Loan and lease loss provision to assets | 0.0752% | 2,177 |
| Net operating income to assets | 1.4448% | 1,250 |
| Return on assets (ROA) | 1.4448% | 1,279 |
| Pretax return on assets | 1.5185% | 1,706 |
| Return on Equity (ROE) | 10.4491% | 2,176 |
| Retained earnings to average equity (ytd only) | 6.1346% | 2,400 |
| Net charge-offs to loans | -0.0150% | 4,379 |
| Credit loss provision to net charge-offs | -652.1739% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9330% | 3,967 |
| Assets per employee ($millions) | 5.8374% | 1,675 |
| Cash dividends to net income (ytd only)* | 41.2908% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,208 |
| Loan loss allowance to noncurrent loans | 564.9035% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,943 |
| Noncurrent loans to loans | 0.2260% | 3,772 |
| Net loans and leases to total assets | 76.4260% | 1,409 |
| Net loans and leases to deposits | 95.4950% | 1,014 |
| Net loans and leases to core deposits | 101.8984% | 1,472 |
| Total domestic deposits to total assets | 80.0314% | 4,173 |
| Equity capital to assets | 13.9569% | 1,053 |
| Core capital (leverage) ratio | 14.2731% | 874 |
| Tier 1 risk-based capital ratio | 17.5968% | 1,916 |
| Total risk-based capital ratio | 18.8469% | 1,869 |
| Memoranda: | ||
| Average total assets | $797,892,500 | 976 |
| Average earning assets | $763,733,000 | 943 |
| Average equity | $110,325,500 | 813 |
| Average total loans | $614,159,500 | 902 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 3,427 |
| Cost of funding earning assets | 0.6922% | 2,143 |
| Net interest margin | 3.5155% | 3,654 |
| Noninterest income to average assets | 0.7027% | 1,845 |
| Noninterest expense to average assets | 2.3886% | 3,913 |
| Loan and lease loss provision to assets | 0.0858% | 2,423 |
| Net operating income to assets | 1.5050% | 1,108 |
| Return on assets (ROA) | 1.5050% | 1,093 |
| Pretax return on assets | 1.5851% | 1,513 |
| Return on Equity (ROE) | 10.8919% | 2,133 |
| Retained earnings to average equity (ytd only) | 5.6021% | 2,413 |
| Net charge-offs to loans | 0.0088% | 3,377 |
| Credit loss provision to net charge-offs | 1,245.2830% | 321 |
| Earnings coverage of net charge-offs (x) | 242.5660% | 387 |
| Efficiency ratio | 58.8397% | 4,033 |
| Assets per employee ($millions) | 5.8107% | 1,664 |
| Cash dividends to net income (ytd only)* | 48.5665% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,202 |
| Loan loss allowance to noncurrent loans | 889.5282% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,289 |
| Noncurrent loans to loans | 0.1426% | 4,100 |
| Net loans and leases to total assets | 75.5582% | 1,680 |
| Net loans and leases to deposits | 93.1597% | 1,380 |
| Net loans and leases to core deposits | 98.8186% | 1,806 |
| Total domestic deposits to total assets | 81.1061% | 3,864 |
| Equity capital to assets | 13.6967% | 1,069 |
| Core capital (leverage) ratio | 14.1479% | 884 |
| Tier 1 risk-based capital ratio | 17.6090% | 1,865 |
| Total risk-based capital ratio | 18.8544% | 1,823 |
| Memoranda: | ||
| Average total assets | $769,414,200 | 978 |
| Average earning assets | $734,654,200 | 953 |
| Average equity | $106,317,600 | 804 |
| Average total loans | $602,438,800 | 892 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,371 |
| Cost of funding earning assets | 0.6420% | 2,195 |
| Net interest margin | 3.5425% | 3,547 |
| Noninterest income to average assets | 0.7160% | 1,808 |
| Noninterest expense to average assets | 2.3986% | 3,858 |
| Loan and lease loss provision to assets | 0.0944% | 2,087 |
| Net operating income to assets | 1.5269% | 1,131 |
| Return on assets (ROA) | 1.5269% | 1,131 |
| Pretax return on assets | 1.6047% | 1,570 |
| Return on Equity (ROE) | 11.0248% | 2,166 |
| Retained earnings to average equity (ytd only) | 6.7423% | 2,266 |
| Net charge-offs to loans | -0.0027% | 4,123 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5360% | 4,034 |
| Assets per employee ($millions) | 5.4538% | 1,960 |
| Cash dividends to net income (ytd only)* | 38.8437% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2676% | 2,270 |
| Loan loss allowance to noncurrent loans | 373.8432% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,594 |
| Noncurrent loans to loans | 0.3391% | 3,447 |
| Net loans and leases to total assets | 79.4319% | 1,102 |
| Net loans and leases to deposits | 98.2591% | 934 |
| Net loans and leases to core deposits | 104.8535% | 1,392 |
| Total domestic deposits to total assets | 80.8393% | 3,908 |
| Equity capital to assets | 14.3231% | 874 |
| Core capital (leverage) ratio | 14.4438% | 836 |
| Tier 1 risk-based capital ratio | 17.5239% | 1,917 |
| Total risk-based capital ratio | 18.7613% | 1,885 |
| Memoranda: | ||
| Average total assets | $762,751,500 | 986 |
| Average earning assets | $728,140,250 | 959 |
| Average equity | $105,638,250 | 809 |
| Average total loans | $600,743,000 | 890 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,433 |
| Cost of funding earning assets | 0.6076% | 2,176 |
| Net interest margin | 3.4960% | 3,642 |
| Noninterest income to average assets | 0.7061% | 1,849 |
| Noninterest expense to average assets | 2.4223% | 3,843 |
| Loan and lease loss provision to assets | 0.0940% | 2,042 |
| Net operating income to assets | 1.4541% | 1,268 |
| Return on assets (ROA) | 1.4541% | 1,265 |
| Pretax return on assets | 1.5290% | 1,713 |
| Return on Equity (ROE) | 10.6178% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.3002% | 2,415 |
| Net charge-offs to loans | -0.0100% | 4,318 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8800% | 3,956 |
| Assets per employee ($millions) | 5.3690% | 2,024 |
| Cash dividends to net income (ytd only)* | 40.6643% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,448 |
| Loan loss allowance to noncurrent loans | 444.5562% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,899 |
| Noncurrent loans to loans | 0.2805% | 3,698 |
| Net loans and leases to total assets | 77.4958% | 1,395 |
| Net loans and leases to deposits | 96.0547% | 1,132 |
| Net loans and leases to core deposits | 101.8784% | 1,572 |
| Total domestic deposits to total assets | 80.6787% | 4,083 |
| Equity capital to assets | 13.8334% | 976 |
| Core capital (leverage) ratio | 14.0380% | 908 |
| Tier 1 risk-based capital ratio | 17.3071% | 1,997 |
| Total risk-based capital ratio | 18.5264% | 1,960 |
| Memoranda: | ||
| Average total assets | $766,127,670 | 984 |
| Average earning assets | $731,752,330 | 959 |
| Average equity | $104,918,000 | 812 |
| Average total loans | $599,158,000 | 888 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 3,541 |
| Cost of funding earning assets | 0.5683% | 2,261 |
| Net interest margin | 3.4489% | 3,709 |
| Noninterest income to average assets | 0.7145% | 1,765 |
| Noninterest expense to average assets | 2.4994% | 3,644 |
| Loan and lease loss provision to assets | 0.0941% | 1,940 |
| Net operating income to assets | 1.3506% | 1,479 |
| Return on assets (ROA) | 1.3506% | 1,491 |
| Pretax return on assets | 1.4169% | 1,953 |
| Return on Equity (ROE) | 9.9125% | 2,482 |
| Retained earnings to average equity (ytd only) | 5.5777% | 2,915 |
| Net charge-offs to loans | -0.0161% | 4,446 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3224% | 3,729 |
| Assets per employee ($millions) | 5.3791% | 2,058 |
| Cash dividends to net income (ytd only)* | 43.7307% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2084% | 2,759 |
| Loan loss allowance to noncurrent loans | 483.3113% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 4,085 |
| Noncurrent loans to loans | 0.2500% | 3,864 |
| Net loans and leases to total assets | 78.4222% | 1,175 |
| Net loans and leases to deposits | 98.0905% | 849 |
| Net loans and leases to core deposits | 103.3551% | 1,431 |
| Total domestic deposits to total assets | 79.9488% | 4,429 |
| Equity capital to assets | 13.6868% | 982 |
| Core capital (leverage) ratio | 14.0165% | 871 |
| Tier 1 risk-based capital ratio | 16.9562% | 2,132 |
| Total risk-based capital ratio | 18.1417% | 2,099 |
| Memoranda: | ||
| Average total assets | $765,306,000 | 990 |
| Average earning assets | $731,355,000 | 965 |
| Average equity | $104,272,500 | 820 |
| Average total loans | $597,485,500 | 895 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,528 |
| Cost of funding earning assets | 0.5132% | 2,226 |
| Net interest margin | 3.4477% | 3,692 |
| Noninterest income to average assets | 0.7876% | 1,620 |
| Noninterest expense to average assets | 2.4937% | 3,806 |
| Loan and lease loss provision to assets | 0.0732% | 2,746 |
| Net operating income to assets | 1.4339% | 938 |
| Return on assets (ROA) | 1.4339% | 958 |
| Pretax return on assets | 1.5056% | 1,619 |
| Return on Equity (ROE) | 10.3699% | 1,740 |
| Retained earnings to average equity (ytd only) | 5.1182% | 2,054 |
| Net charge-offs to loans | -0.0187% | 4,939 |
| Credit loss provision to net charge-offs | -509.4340% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2316% | 4,069 |
| Assets per employee ($millions) | 5.3998% | 2,048 |
| Cash dividends to net income (ytd only)* | 50.6432% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,717 |
| Loan loss allowance to noncurrent loans | 1,201.1804% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 4,730 |
| Noncurrent loans to loans | 0.1007% | 4,536 |
| Net loans and leases to total assets | 75.8376% | 1,630 |
| Net loans and leases to deposits | 93.3272% | 1,354 |
| Net loans and leases to core deposits | 98.9519% | 1,792 |
| Total domestic deposits to total assets | 81.2599% | 4,060 |
| Equity capital to assets | 13.5633% | 1,037 |
| Core capital (leverage) ratio | 13.7161% | 907 |
| Tier 1 risk-based capital ratio | 17.3518% | 1,977 |
| Total risk-based capital ratio | 18.5477% | 1,947 |
| Memoranda: | ||
| Average total assets | $737,308,000 | 1,001 |
| Average earning assets | $702,507,000 | 974 |
| Average equity | $101,949,400 | 808 |
| Average total loans | $568,196,800 | 909 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 3,542 |
| Cost of funding earning assets | 0.5001% | 2,260 |
| Net interest margin | 3.4423% | 3,701 |
| Noninterest income to average assets | 0.7991% | 1,594 |
| Noninterest expense to average assets | 2.5095% | 3,700 |
| Loan and lease loss provision to assets | 0.0877% | 2,332 |
| Net operating income to assets | 1.4105% | 1,064 |
| Return on assets (ROA) | 1.4105% | 1,091 |
| Pretax return on assets | 1.4821% | 1,835 |
| Return on Equity (ROE) | 10.1499% | 2,058 |
| Retained earnings to average equity (ytd only) | 5.6888% | 2,439 |
| Net charge-offs to loans | -0.0268% | 4,962 |
| Credit loss provision to net charge-offs | -424.7788% | 4,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5188% | 3,955 |
| Assets per employee ($millions) | 5.1751% | 2,254 |
| Cash dividends to net income (ytd only)* | 43.9524% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 2,705 |
| Loan loss allowance to noncurrent loans | 208.0636% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 3,121 |
| Noncurrent loans to loans | 0.5950% | 2,927 |
| Net loans and leases to total assets | 77.3024% | 1,382 |
| Net loans and leases to deposits | 95.9237% | 1,119 |
| Net loans and leases to core deposits | 101.6718% | 1,570 |
| Total domestic deposits to total assets | 80.5873% | 4,177 |
| Equity capital to assets | 14.2483% | 926 |
| Core capital (leverage) ratio | 14.1129% | 864 |
| Tier 1 risk-based capital ratio | 17.7396% | 1,931 |
| Total risk-based capital ratio | 18.9638% | 1,879 |
| Memoranda: | ||
| Average total assets | $729,941,750 | 1,012 |
| Average earning assets | $695,574,000 | 986 |
| Average equity | $101,436,750 | 809 |
| Average total loans | $563,089,750 | 911 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8914% | 3,579 |
| Cost of funding earning assets | 0.4927% | 2,231 |
| Net interest margin | 3.3988% | 3,777 |
| Noninterest income to average assets | 0.8022% | 1,567 |
| Noninterest expense to average assets | 2.5605% | 3,550 |
| Loan and lease loss provision to assets | 0.0822% | 2,345 |
| Net operating income to assets | 1.3293% | 1,217 |
| Return on assets (ROA) | 1.3293% | 1,244 |
| Pretax return on assets | 1.3953% | 2,042 |
| Return on Equity (ROE) | 9.6468% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.1435% | 2,614 |
| Net charge-offs to loans | -0.0400% | 5,075 |
| Credit loss provision to net charge-offs | -267.8571% | 4,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4100% | 3,776 |
| Assets per employee ($millions) | 5.0043% | 2,384 |
| Cash dividends to net income (ytd only)* | 46.6818% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 2,969 |
| Loan loss allowance to noncurrent loans | 293.6488% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3760% | 3,608 |
| Noncurrent loans to loans | 0.4114% | 3,551 |
| Net loans and leases to total assets | 76.0632% | 1,543 |
| Net loans and leases to deposits | 93.4522% | 1,315 |
| Net loans and leases to core deposits | 98.6513% | 1,752 |
| Total domestic deposits to total assets | 81.3927% | 4,079 |
| Equity capital to assets | 13.8220% | 1,023 |
| Core capital (leverage) ratio | 13.7089% | 939 |
| Tier 1 risk-based capital ratio | 17.2625% | 2,074 |
| Total risk-based capital ratio | 18.4433% | 2,050 |
| Memoranda: | ||
| Average total assets | $730,024,670 | 1,014 |
| Average earning assets | $695,011,330 | 992 |
| Average equity | $100,592,670 | 817 |
| Average total loans | $560,406,330 | 917 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8727% | 3,495 |
| Cost of funding earning assets | 0.4771% | 2,277 |
| Net interest margin | 3.3956% | 3,664 |
| Noninterest income to average assets | 0.8064% | 1,526 |
| Noninterest expense to average assets | 2.6377% | 3,351 |
| Loan and lease loss provision to assets | 0.0993% | 1,904 |
| Net operating income to assets | 1.2452% | 1,392 |
| Return on assets (ROA) | 1.2452% | 1,428 |
| Pretax return on assets | 1.3064% | 2,209 |
| Return on Equity (ROE) | 9.0508% | 2,392 |
| Retained earnings to average equity (ytd only) | 4.5174% | 3,163 |
| Net charge-offs to loans | -0.0857% | 5,400 |
| Credit loss provision to net charge-offs | -151.2605% | 4,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2334% | 3,629 |
| Assets per employee ($millions) | 5.0149% | 2,425 |
| Cash dividends to net income (ytd only)* | 50.0887% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 3,051 |
| Loan loss allowance to noncurrent loans | 504.5421% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 4,402 |
| Noncurrent loans to loans | 0.2407% | 4,246 |
| Net loans and leases to total assets | 76.3174% | 1,362 |
| Net loans and leases to deposits | 93.9937% | 1,106 |
| Net loans and leases to core deposits | 99.2573% | 1,561 |
| Total domestic deposits to total assets | 81.1941% | 4,374 |
| Equity capital to assets | 13.9125% | 929 |
| Core capital (leverage) ratio | 13.7905% | 894 |
| Tier 1 risk-based capital ratio | 17.1293% | 2,138 |
| Total risk-based capital ratio | 18.2987% | 2,121 |
| Memoranda: | ||
| Average total assets | $724,718,000 | 1,024 |
| Average earning assets | $690,889,500 | 997 |
| Average equity | $99,703,500 | 822 |
| Average total loans | $555,488,500 | 927 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 3,336 |
| Cost of funding earning assets | 0.4338% | 2,665 |
| Net interest margin | 3.5293% | 3,324 |
| Noninterest income to average assets | 0.9130% | 1,367 |
| Noninterest expense to average assets | 2.5959% | 3,683 |
| Loan and lease loss provision to assets | 0.1069% | 2,261 |
| Net operating income to assets | 1.4957% | 835 |
| Return on assets (ROA) | 1.4957% | 854 |
| Pretax return on assets | 1.5706% | 1,369 |
| Return on Equity (ROE) | 10.8446% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.6666% | 1,909 |
| Net charge-offs to loans | 0.0850% | 2,481 |
| Credit loss provision to net charge-offs | 167.7704% | 1,649 |
| Earnings coverage of net charge-offs (x) | 26.3157% | 1,550 |
| Efficiency ratio | 60.7449% | 4,463 |
| Assets per employee ($millions) | 4.8486% | 2,574 |
| Cash dividends to net income (ytd only)* | 47.7467% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,302 |
| Loan loss allowance to noncurrent loans | 370.3259% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 4,204 |
| Noncurrent loans to loans | 0.3162% | 4,012 |
| Net loans and leases to total assets | 75.1559% | 1,667 |
| Net loans and leases to deposits | 92.3525% | 1,402 |
| Net loans and leases to core deposits | 97.8334% | 1,779 |
| Total domestic deposits to total assets | 81.3794% | 4,240 |
| Equity capital to assets | 13.6037% | 1,009 |
| Core capital (leverage) ratio | 13.5816% | 942 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,173 |
| Total risk-based capital ratio | 18.0716% | 2,172 |
| Memoranda: | ||
| Average total assets | $710,613,800 | 1,009 |
| Average earning assets | $676,629,600 | 982 |
| Average equity | $98,012,200 | 806 |
| Average total loans | $533,168,600 | 927 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 3,299 |
| Cost of funding earning assets | 0.4218% | 2,825 |
| Net interest margin | 3.5576% | 3,242 |
| Noninterest income to average assets | 0.9333% | 1,304 |
| Noninterest expense to average assets | 2.5802% | 3,729 |
| Loan and lease loss provision to assets | 0.1132% | 2,039 |
| Net operating income to assets | 1.5482% | 802 |
| Return on assets (ROA) | 1.5482% | 843 |
| Pretax return on assets | 1.6256% | 1,317 |
| Return on Equity (ROE) | 11.1853% | 1,601 |
| Retained earnings to average equity (ytd only) | 6.5533% | 1,875 |
| Net charge-offs to loans | 0.0896% | 2,071 |
| Credit loss provision to net charge-offs | 169.0141% | 1,640 |
| Earnings coverage of net charge-offs (x) | 25.9522% | 1,615 |
| Efficiency ratio | 59.7404% | 4,581 |
| Assets per employee ($millions) | 5.0355% | 2,327 |
| Cash dividends to net income (ytd only)* | 41.4117% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 3,449 |
| Loan loss allowance to noncurrent loans | 412.0103% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,560 |
| Noncurrent loans to loans | 0.2829% | 4,250 |
| Net loans and leases to total assets | 76.0739% | 1,514 |
| Net loans and leases to deposits | 97.0681% | 946 |
| Net loans and leases to core deposits | 102.9637% | 1,419 |
| Total domestic deposits to total assets | 78.3716% | 4,840 |
| Equity capital to assets | 14.0255% | 1,021 |
| Core capital (leverage) ratio | 13.7513% | 930 |
| Tier 1 risk-based capital ratio | 17.1965% | 2,167 |
| Total risk-based capital ratio | 18.3294% | 2,156 |
| Memoranda: | ||
| Average total assets | $706,443,500 | 1,017 |
| Average earning assets | $672,303,750 | 991 |
| Average equity | $97,780,500 | 811 |
| Average total loans | $528,190,250 | 932 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 3,314 |
| Cost of funding earning assets | 0.4092% | 2,947 |
| Net interest margin | 3.5688% | 3,217 |
| Noninterest income to average assets | 0.9466% | 1,249 |
| Noninterest expense to average assets | 2.5956% | 3,736 |
| Loan and lease loss provision to assets | 0.1023% | 2,141 |
| Net operating income to assets | 1.5666% | 779 |
| Return on assets (ROA) | 1.5666% | 819 |
| Pretax return on assets | 1.6450% | 1,233 |
| Return on Equity (ROE) | 11.3694% | 1,523 |
| Retained earnings to average equity (ytd only) | 6.6966% | 1,762 |
| Net charge-offs to loans | -0.0061% | 4,577 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7657% | 4,672 |
| Assets per employee ($millions) | 4.9009% | 2,407 |
| Cash dividends to net income (ytd only)* | 41.0996% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 3,144 |
| Loan loss allowance to noncurrent loans | 374.6995% | 1,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 4,509 |
| Noncurrent loans to loans | 0.3304% | 4,184 |
| Net loans and leases to total assets | 73.4843% | 1,934 |
| Net loans and leases to deposits | 89.0795% | 1,856 |
| Net loans and leases to core deposits | 93.8834% | 2,180 |
| Total domestic deposits to total assets | 82.4930% | 3,844 |
| Equity capital to assets | 13.9577% | 1,040 |
| Core capital (leverage) ratio | 13.5113% | 978 |
| Tier 1 risk-based capital ratio | 17.3557% | 2,115 |
| Total risk-based capital ratio | 18.5414% | 2,097 |
| Memoranda: | ||
| Average total assets | $703,578,670 | 1,024 |
| Average earning assets | $669,585,000 | 997 |
| Average equity | $96,944,670 | 817 |
| Average total loans | $520,796,330 | 942 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 3,450 |
| Cost of funding earning assets | 0.4027% | 3,037 |
| Net interest margin | 3.5324% | 3,351 |
| Noninterest income to average assets | 0.8285% | 1,524 |
| Noninterest expense to average assets | 2.6204% | 3,686 |
| Loan and lease loss provision to assets | 0.1028% | 1,985 |
| Net operating income to assets | 1.3982% | 1,036 |
| Return on assets (ROA) | 1.3982% | 1,097 |
| Pretax return on assets | 1.4685% | 1,689 |
| Return on Equity (ROE) | 10.2146% | 1,895 |
| Retained earnings to average equity (ytd only) | 5.4976% | 2,654 |
| Net charge-offs to loans | -0.0232% | 4,939 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5136% | 4,370 |
| Assets per employee ($millions) | 4.9101% | 2,443 |
| Cash dividends to net income (ytd only)* | 46.1790% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 3,473 |
| Loan loss allowance to noncurrent loans | 314.7509% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 4,416 |
| Noncurrent loans to loans | 0.3815% | 4,074 |
| Net loans and leases to total assets | 74.2356% | 1,697 |
| Net loans and leases to deposits | 91.7650% | 1,380 |
| Net loans and leases to core deposits | 96.5615% | 1,741 |
| Total domestic deposits to total assets | 80.8975% | 4,523 |
| Equity capital to assets | 13.6789% | 1,102 |
| Core capital (leverage) ratio | 13.5431% | 969 |
| Tier 1 risk-based capital ratio | 16.9280% | 2,313 |
| Total risk-based capital ratio | 18.0783% | 2,297 |
| Memoranda: | ||
| Average total assets | $700,055,500 | 1,026 |
| Average earning assets | $666,522,500 | 999 |
| Average equity | $95,823,500 | 826 |
| Average total loans | $516,822,500 | 945 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 3,584 |
| Cost of funding earning assets | 0.3938% | 3,220 |
| Net interest margin | 3.5410% | 3,370 |
| Noninterest income to average assets | 0.8698% | 1,531 |
| Noninterest expense to average assets | 2.5552% | 4,055 |
| Loan and lease loss provision to assets | 0.0177% | 4,052 |
| Net operating income to assets | 1.5852% | 733 |
| Return on assets (ROA) | 1.5853% | 756 |
| Pretax return on assets | 1.6636% | 1,074 |
| Return on Equity (ROE) | 11.6514% | 1,390 |
| Retained earnings to average equity (ytd only) | 6.3201% | 1,647 |
| Net charge-offs to loans | 0.0287% | 3,648 |
| Credit loss provision to net charge-offs | 85.1064% | 2,858 |
| Earnings coverage of net charge-offs (x) | 80.9149% | 692 |
| Efficiency ratio | 60.3165% | 4,871 |
| Assets per employee ($millions) | 4.8466% | 2,536 |
| Cash dividends to net income (ytd only)* | 45.7570% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 3,305 |
| Loan loss allowance to noncurrent loans | 328.7160% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 4,450 |
| Noncurrent loans to loans | 0.3736% | 4,106 |
| Net loans and leases to total assets | 71.5972% | 2,128 |
| Net loans and leases to deposits | 85.9512% | 2,140 |
| Net loans and leases to core deposits | 90.5987% | 2,356 |
| Total domestic deposits to total assets | 83.2997% | 3,742 |
| Equity capital to assets | 13.6972% | 1,043 |
| Core capital (leverage) ratio | 13.4929% | 970 |
| Tier 1 risk-based capital ratio | 17.5628% | 2,106 |
| Total risk-based capital ratio | 18.7334% | 2,078 |
| Memoranda: | ||
| Average total assets | $678,668,400 | 1,018 |
| Average earning assets | $645,215,000 | 985 |
| Average equity | $92,340,600 | 819 |
| Average total loans | $491,963,400 | 952 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,564 |
| Cost of funding earning assets | 0.3932% | 3,292 |
| Net interest margin | 3.5519% | 3,332 |
| Noninterest income to average assets | 0.8726% | 1,537 |
| Noninterest expense to average assets | 2.5863% | 3,925 |
| Loan and lease loss provision to assets | 0.0237% | 3,802 |
| Net operating income to assets | 1.5615% | 829 |
| Return on assets (ROA) | 1.5615% | 875 |
| Pretax return on assets | 1.6401% | 1,268 |
| Return on Equity (ROE) | 11.4960% | 1,527 |
| Retained earnings to average equity (ytd only) | 6.5594% | 1,915 |
| Net charge-offs to loans | 0.0123% | 3,743 |
| Credit loss provision to net charge-offs | 266.6667% | 1,079 |
| Earnings coverage of net charge-offs (x) | 187.1953% | 381 |
| Efficiency ratio | 60.8532% | 4,763 |
| Assets per employee ($millions) | 4.6230% | 2,803 |
| Cash dividends to net income (ytd only)* | 42.9420% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 3,319 |
| Loan loss allowance to noncurrent loans | 386.7901% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 4,788 |
| Noncurrent loans to loans | 0.3253% | 4,440 |
| Net loans and leases to total assets | 73.8633% | 1,758 |
| Net loans and leases to deposits | 89.0870% | 1,757 |
| Net loans and leases to core deposits | 94.1628% | 2,061 |
| Total domestic deposits to total assets | 82.9114% | 3,843 |
| Equity capital to assets | 14.1202% | 978 |
| Core capital (leverage) ratio | 13.5259% | 1,007 |
| Tier 1 risk-based capital ratio | 17.4210% | 2,210 |
| Total risk-based capital ratio | 18.6174% | 2,181 |
| Memoranda: | ||
| Average total assets | $675,070,250 | 1,025 |
| Average earning assets | $641,926,750 | 994 |
| Average equity | $91,693,250 | 835 |
| Average total loans | $489,358,750 | 963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,741 |
| Cost of funding earning assets | 0.3902% | 3,369 |
| Net interest margin | 3.4973% | 3,510 |
| Noninterest income to average assets | 0.8930% | 1,467 |
| Noninterest expense to average assets | 2.5901% | 3,936 |
| Loan and lease loss provision to assets | 0.0354% | 3,417 |
| Net operating income to assets | 1.5164% | 874 |
| Return on assets (ROA) | 1.5164% | 914 |
| Pretax return on assets | 1.5925% | 1,346 |
| Return on Equity (ROE) | 11.3105% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.3174% | 2,054 |
| Net charge-offs to loans | 0.0156% | 3,396 |
| Credit loss provision to net charge-offs | 315.7895% | 900 |
| Earnings coverage of net charge-offs (x) | 145.2632% | 438 |
| Efficiency ratio | 61.4067% | 4,772 |
| Assets per employee ($millions) | 4.5873% | 2,845 |
| Cash dividends to net income (ytd only)* | 44.1462% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 3,346 |
| Loan loss allowance to noncurrent loans | 210.4327% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 3,972 |
| Noncurrent loans to loans | 0.6086% | 3,649 |
| Net loans and leases to total assets | 71.2177% | 2,126 |
| Net loans and leases to deposits | 85.0689% | 2,173 |
| Net loans and leases to core deposits | 89.4007% | 2,402 |
| Total domestic deposits to total assets | 83.7176% | 3,682 |
| Equity capital to assets | 13.5229% | 1,162 |
| Core capital (leverage) ratio | 13.0721% | 1,139 |
| Tier 1 risk-based capital ratio | 17.2721% | 2,295 |
| Total risk-based capital ratio | 18.4812% | 2,271 |
| Memoranda: | ||
| Average total assets | $678,187,330 | 1,027 |
| Average earning assets | $644,791,330 | 995 |
| Average equity | $90,924,000 | 843 |
| Average total loans | $486,482,330 | 963 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 3,786 |
| Cost of funding earning assets | 0.3886% | 3,428 |
| Net interest margin | 3.4719% | 3,545 |
| Noninterest income to average assets | 0.9306% | 1,300 |
| Noninterest expense to average assets | 2.6308% | 3,822 |
| Loan and lease loss provision to assets | 0.0708% | 2,522 |
| Net operating income to assets | 1.4570% | 928 |
| Return on assets (ROA) | 1.4570% | 988 |
| Pretax return on assets | 1.5296% | 1,462 |
| Return on Equity (ROE) | 10.9149% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.9194% | 2,541 |
| Net charge-offs to loans | 0.0099% | 3,005 |
| Credit loss provision to net charge-offs | 1,000.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 247 |
| Efficiency ratio | 62.1757% | 4,770 |
| Assets per employee ($millions) | 4.6169% | 2,881 |
| Cash dividends to net income (ytd only)* | 45.7675% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,422 |
| Loan loss allowance to noncurrent loans | 132.7223% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 3,215 |
| Noncurrent loans to loans | 0.9771% | 2,814 |
| Net loans and leases to total assets | 70.6382% | 2,051 |
| Net loans and leases to deposits | 84.8446% | 1,973 |
| Net loans and leases to core deposits | 88.9781% | 2,225 |
| Total domestic deposits to total assets | 83.2559% | 4,094 |
| Equity capital to assets | 13.4846% | 1,177 |
| Core capital (leverage) ratio | 13.1345% | 1,111 |
| Tier 1 risk-based capital ratio | 16.7476% | 2,581 |
| Total risk-based capital ratio | 17.9454% | 2,549 |
| Memoranda: | ||
| Average total assets | $677,824,500 | 1,031 |
| Average earning assets | $644,374,000 | 994 |
| Average equity | $90,481,500 | 851 |
| Average total loans | $484,834,000 | 966 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,893 |
| Cost of funding earning assets | 0.4360% | 3,324 |
| Net interest margin | 3.5200% | 3,718 |
| Noninterest income to average assets | 0.9343% | 1,403 |
| Noninterest expense to average assets | 2.6642% | 3,994 |
| Loan and lease loss provision to assets | 0.0607% | 3,315 |
| Net operating income to assets | 1.4713% | 931 |
| Return on assets (ROA) | 1.4713% | 968 |
| Pretax return on assets | 1.5472% | 1,396 |
| Return on Equity (ROE) | 11.2308% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.0698% | 1,880 |
| Net charge-offs to loans | -0.0009% | 5,337 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3638% | 4,853 |
| Assets per employee ($millions) | 4.6368% | 2,818 |
| Cash dividends to net income (ytd only)* | 45.9540% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 3,547 |
| Loan loss allowance to noncurrent loans | 230.0632% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 4,291 |
| Noncurrent loans to loans | 0.5560% | 3,998 |
| Net loans and leases to total assets | 70.5750% | 2,146 |
| Net loans and leases to deposits | 84.6421% | 2,149 |
| Net loans and leases to core deposits | 89.2356% | 2,359 |
| Total domestic deposits to total assets | 83.3805% | 3,953 |
| Equity capital to assets | 13.2127% | 1,268 |
| Core capital (leverage) ratio | 13.0845% | 1,101 |
| Tier 1 risk-based capital ratio | 16.3053% | 2,810 |
| Total risk-based capital ratio | 17.4692% | 2,794 |
| Memoranda: | ||
| Average total assets | $659,333,400 | 1,013 |
| Average earning assets | $625,195,400 | 982 |
| Average equity | $86,378,200 | 856 |
| Average total loans | $457,942,800 | 965 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 3,862 |
| Cost of funding earning assets | 0.4499% | 3,251 |
| Net interest margin | 3.5228% | 3,746 |
| Noninterest income to average assets | 0.9428% | 1,385 |
| Noninterest expense to average assets | 2.6718% | 3,936 |
| Loan and lease loss provision to assets | 0.0814% | 2,722 |
| Net operating income to assets | 1.4562% | 1,012 |
| Return on assets (ROA) | 1.4560% | 1,056 |
| Pretax return on assets | 1.5289% | 1,548 |
| Return on Equity (ROE) | 11.1384% | 1,736 |
| Retained earnings to average equity (ytd only) | 6.2794% | 2,234 |
| Net charge-offs to loans | -0.0115% | 5,461 |
| Credit loss provision to net charge-offs | -1,025.6410% | 5,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3913% | 4,832 |
| Assets per employee ($millions) | 4.4371% | 3,071 |
| Cash dividends to net income (ytd only)* | 43.6242% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,452 |
| Loan loss allowance to noncurrent loans | 73.2902% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 2,197 |
| Noncurrent loans to loans | 1.8275% | 1,757 |
| Net loans and leases to total assets | 70.7942% | 2,060 |
| Net loans and leases to deposits | 85.6558% | 1,945 |
| Net loans and leases to core deposits | 90.1782% | 2,207 |
| Total domestic deposits to total assets | 82.6496% | 4,250 |
| Equity capital to assets | 13.6150% | 1,138 |
| Core capital (leverage) ratio | 13.1355% | 1,123 |
| Tier 1 risk-based capital ratio | 16.5863% | 2,778 |
| Total risk-based capital ratio | 17.7938% | 2,751 |
| Memoranda: | ||
| Average total assets | $654,924,500 | 1,028 |
| Average earning assets | $620,847,000 | 997 |
| Average equity | $85,611,250 | 866 |
| Average total loans | $451,438,000 | 981 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,946 |
| Cost of funding earning assets | 0.4637% | 3,175 |
| Net interest margin | 3.4816% | 3,850 |
| Noninterest income to average assets | 0.9396% | 1,369 |
| Noninterest expense to average assets | 2.6825% | 3,932 |
| Loan and lease loss provision to assets | 0.1217% | 2,016 |
| Net operating income to assets | 1.3647% | 1,153 |
| Return on assets (ROA) | 1.3644% | 1,192 |
| Pretax return on assets | 1.4319% | 1,775 |
| Return on Equity (ROE) | 10.5819% | 1,903 |
| Retained earnings to average equity (ytd only) | 5.6544% | 2,543 |
| Net charge-offs to loans | 0.0188% | 3,846 |
| Credit loss provision to net charge-offs | 952.3810% | 347 |
| Earnings coverage of net charge-offs (x) | 121.5952% | 480 |
| Efficiency ratio | 63.3197% | 4,799 |
| Assets per employee ($millions) | 4.4965% | 2,930 |
| Cash dividends to net income (ytd only)* | 46.5656% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,546 |
| Loan loss allowance to noncurrent loans | 241.2642% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 4,540 |
| Noncurrent loans to loans | 0.5632% | 4,327 |
| Net loans and leases to total assets | 67.4859% | 2,502 |
| Net loans and leases to deposits | 79.6551% | 2,566 |
| Net loans and leases to core deposits | 83.7457% | 2,766 |
| Total domestic deposits to total assets | 84.7226% | 3,627 |
| Equity capital to assets | 13.1565% | 1,288 |
| Core capital (leverage) ratio | 12.6874% | 1,290 |
| Tier 1 risk-based capital ratio | 16.0233% | 3,072 |
| Total risk-based capital ratio | 17.1971% | 3,056 |
| Memoranda: | ||
| Average total assets | $657,295,000 | 1,028 |
| Average earning assets | $622,413,670 | 991 |
| Average equity | $84,748,330 | 869 |
| Average total loans | $446,970,670 | 983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0170% | 3,611 |
| Cost of funding earning assets | 0.4770% | 3,151 |
| Net interest margin | 3.5399% | 3,524 |
| Noninterest income to average assets | 0.8446% | 1,586 |
| Noninterest expense to average assets | 2.7273% | 3,840 |
| Loan and lease loss provision to assets | 0.1465% | 1,659 |
| Net operating income to assets | 1.2644% | 1,308 |
| Return on assets (ROA) | 1.2639% | 1,362 |
| Pretax return on assets | 1.3261% | 2,002 |
| Return on Equity (ROE) | 9.9042% | 2,079 |
| Retained earnings to average equity (ytd only) | 4.9402% | 3,147 |
| Net charge-offs to loans | 0.0045% | 3,579 |
| Credit loss provision to net charge-offs | 4,800.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 482.8000% | 84 |
| Efficiency ratio | 64.9281% | 4,706 |
| Assets per employee ($millions) | 4.4565% | 3,050 |
| Cash dividends to net income (ytd only)* | 50.1207% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 3,843 |
| Loan loss allowance to noncurrent loans | 202.0805% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 4,425 |
| Noncurrent loans to loans | 0.6686% | 4,190 |
| Net loans and leases to total assets | 67.1163% | 2,376 |
| Net loans and leases to deposits | 79.8310% | 2,311 |
| Net loans and leases to core deposits | 83.3766% | 2,588 |
| Total domestic deposits to total assets | 84.0730% | 4,248 |
| Equity capital to assets | 12.9034% | 1,350 |
| Core capital (leverage) ratio | 12.5871% | 1,345 |
| Tier 1 risk-based capital ratio | 16.5442% | 2,876 |
| Total risk-based capital ratio | 17.7515% | 2,865 |
| Memoranda: | ||
| Average total assets | $655,447,500 | 1,039 |
| Average earning assets | $621,366,500 | 1,004 |
| Average equity | $83,641,000 | 877 |
| Average total loans | $444,346,000 | 992 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 3,941 |
| Cost of funding earning assets | 0.5442% | 3,161 |
| Net interest margin | 3.4996% | 3,914 |
| Noninterest income to average assets | 0.9228% | 1,601 |
| Noninterest expense to average assets | 2.7011% | 4,090 |
| Loan and lease loss provision to assets | 0.1039% | 3,062 |
| Net operating income to assets | 1.3562% | 1,118 |
| Return on assets (ROA) | 1.3562% | 1,163 |
| Pretax return on assets | 1.4217% | 1,713 |
| Return on Equity (ROE) | 10.7660% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.8900% | 2,046 |
| Net charge-offs to loans | 0.0799% | 4,100 |
| Credit loss provision to net charge-offs | 197.3684% | 1,161 |
| Earnings coverage of net charge-offs (x) | 28.9854% | 1,220 |
| Efficiency ratio | 63.8946% | 4,915 |
| Assets per employee ($millions) | 4.5859% | 2,747 |
| Cash dividends to net income (ytd only)* | 45.2905% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,110 |
| Loan loss allowance to noncurrent loans | 157.4694% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 4,210 |
| Noncurrent loans to loans | 0.8296% | 3,907 |
| Net loans and leases to total assets | 66.6678% | 2,582 |
| Net loans and leases to deposits | 79.1405% | 2,571 |
| Net loans and leases to core deposits | 83.3464% | 2,739 |
| Total domestic deposits to total assets | 84.2397% | 4,079 |
| Equity capital to assets | 12.6185% | 1,457 |
| Core capital (leverage) ratio | 12.6608% | 1,279 |
| Tier 1 risk-based capital ratio | 16.3016% | 2,964 |
| Total risk-based capital ratio | 17.4592% | 2,957 |
| Memoranda: | ||
| Average total assets | $649,766,200 | 1,030 |
| Average earning assets | $613,432,800 | 994 |
| Average equity | $81,850,400 | 872 |
| Average total loans | $427,990,600 | 1,003 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 4,069 |
| Cost of funding earning assets | 0.5561% | 3,202 |
| Net interest margin | 3.4590% | 4,063 |
| Noninterest income to average assets | 0.9504% | 1,601 |
| Noninterest expense to average assets | 2.7246% | 3,927 |
| Loan and lease loss provision to assets | 0.0926% | 3,227 |
| Net operating income to assets | 1.3309% | 1,266 |
| Return on assets (ROA) | 1.3309% | 1,321 |
| Pretax return on assets | 1.3967% | 1,936 |
| Return on Equity (ROE) | 10.5700% | 1,975 |
| Retained earnings to average equity (ytd only) | 5.5782% | 2,675 |
| Net charge-offs to loans | 0.0578% | 4,076 |
| Credit loss provision to net charge-offs | 244.5652% | 1,011 |
| Earnings coverage of net charge-offs (x) | 39.3528% | 1,015 |
| Efficiency ratio | 64.6476% | 4,702 |
| Assets per employee ($millions) | 4.3724% | 3,096 |
| Cash dividends to net income (ytd only)* | 47.2261% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 4,416 |
| Loan loss allowance to noncurrent loans | 85.5391% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 3,290 |
| Noncurrent loans to loans | 1.5147% | 2,898 |
| Net loans and leases to total assets | 69.6939% | 2,017 |
| Net loans and leases to deposits | 83.5265% | 1,938 |
| Net loans and leases to core deposits | 87.4125% | 2,238 |
| Total domestic deposits to total assets | 83.4392% | 4,396 |
| Equity capital to assets | 13.1002% | 1,284 |
| Core capital (leverage) ratio | 12.7818% | 1,294 |
| Tier 1 risk-based capital ratio | 15.9812% | 3,204 |
| Total risk-based capital ratio | 17.1226% | 3,214 |
| Memoranda: | ||
| Average total assets | $648,260,500 | 1,036 |
| Average earning assets | $611,599,750 | 1,006 |
| Average equity | $81,625,250 | 879 |
| Average total loans | $424,241,500 | 1,011 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 4,382 |
| Cost of funding earning assets | 0.5618% | 3,288 |
| Net interest margin | 3.3626% | 4,334 |
| Noninterest income to average assets | 0.9480% | 1,667 |
| Noninterest expense to average assets | 2.7540% | 3,844 |
| Loan and lease loss provision to assets | 0.0915% | 3,261 |
| Net operating income to assets | 1.2145% | 1,553 |
| Return on assets (ROA) | 1.2145% | 1,657 |
| Pretax return on assets | 1.2745% | 2,390 |
| Return on Equity (ROE) | 9.7706% | 2,289 |
| Retained earnings to average equity (ytd only) | 4.6069% | 3,335 |
| Net charge-offs to loans | 0.0755% | 3,635 |
| Credit loss provision to net charge-offs | 189.8734% | 1,255 |
| Earnings coverage of net charge-offs (x) | 28.3544% | 1,189 |
| Efficiency ratio | 66.8369% | 4,392 |
| Assets per employee ($millions) | 4.5316% | 2,769 |
| Cash dividends to net income (ytd only)* | 52.8496% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,426 |
| Loan loss allowance to noncurrent loans | 80.1490% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 3,352 |
| Noncurrent loans to loans | 1.6413% | 2,855 |
| Net loans and leases to total assets | 65.2396% | 2,722 |
| Net loans and leases to deposits | 76.8529% | 2,747 |
| Net loans and leases to core deposits | 79.9876% | 3,025 |
| Total domestic deposits to total assets | 84.8888% | 3,949 |
| Equity capital to assets | 12.3643% | 1,666 |
| Core capital (leverage) ratio | 12.1107% | 1,560 |
| Tier 1 risk-based capital ratio | 15.9949% | 3,199 |
| Total risk-based capital ratio | 17.1344% | 3,212 |
| Memoranda: | ||
| Average total assets | $655,927,330 | 1,025 |
| Average earning assets | $618,745,000 | 995 |
| Average equity | $81,530,330 | 884 |
| Average total loans | $418,492,670 | 1,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,499 |
| Cost of funding earning assets | 0.5670% | 3,407 |
| Net interest margin | 3.3260% | 4,420 |
| Noninterest income to average assets | 0.9007% | 1,758 |
| Noninterest expense to average assets | 2.7988% | 3,702 |
| Loan and lease loss provision to assets | 0.0906% | 3,150 |
| Net operating income to assets | 1.0868% | 1,913 |
| Return on assets (ROA) | 1.0868% | 2,021 |
| Pretax return on assets | 1.1405% | 2,810 |
| Return on Equity (ROE) | 8.7209% | 2,613 |
| Retained earnings to average equity (ytd only) | 3.4855% | 4,160 |
| Net charge-offs to loans | 0.0029% | 4,111 |
| Credit loss provision to net charge-offs | 5,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 679.3333% | 46 |
| Efficiency ratio | 69.4349% | 4,069 |
| Assets per employee ($millions) | 4.4360% | 3,084 |
| Cash dividends to net income (ytd only)* | 60.0334% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 4,422 |
| Loan loss allowance to noncurrent loans | 94.1345% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 3,748 |
| Noncurrent loans to loans | 1.4445% | 3,397 |
| Net loans and leases to total assets | 62.7324% | 2,935 |
| Net loans and leases to deposits | 74.2339% | 2,890 |
| Net loans and leases to core deposits | 77.1015% | 3,193 |
| Total domestic deposits to total assets | 84.5064% | 4,264 |
| Equity capital to assets | 12.7438% | 1,567 |
| Core capital (leverage) ratio | 11.9973% | 1,566 |
| Tier 1 risk-based capital ratio | 16.8287% | 2,843 |
| Total risk-based capital ratio | 18.0467% | 2,825 |
| Memoranda: | ||
| Average total assets | $662,146,000 | 1,018 |
| Average earning assets | $622,970,500 | 1,000 |
| Average equity | $82,514,000 | 882 |
| Average total loans | $415,036,000 | 1,032 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 4,331 |
| Cost of funding earning assets | 0.7322% | 3,233 |
| Net interest margin | 3.5354% | 4,355 |
| Noninterest income to average assets | 1.0140% | 1,493 |
| Noninterest expense to average assets | 2.7077% | 4,375 |
| Loan and lease loss provision to assets | 0.1154% | 4,186 |
| Net operating income to assets | 1.4136% | 1,074 |
| Return on assets (ROA) | 1.4136% | 1,191 |
| Pretax return on assets | 1.4885% | 1,710 |
| Return on Equity (ROE) | 11.5003% | 1,657 |
| Retained earnings to average equity (ytd only) | 6.7627% | 1,688 |
| Net charge-offs to loans | 0.0706% | 4,972 |
| Credit loss provision to net charge-offs | 264.0845% | 909 |
| Earnings coverage of net charge-offs (x) | 36.7077% | 864 |
| Efficiency ratio | 62.7939% | 5,118 |
| Assets per employee ($millions) | 4.6029% | 2,781 |
| Cash dividends to net income (ytd only)* | 41.1950% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,615 |
| Loan loss allowance to noncurrent loans | 96.4286% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0267% | 3,982 |
| Noncurrent loans to loans | 1.3525% | 3,576 |
| Net loans and leases to total assets | 60.9969% | 3,419 |
| Net loans and leases to deposits | 71.2685% | 3,527 |
| Net loans and leases to core deposits | 74.6644% | 3,698 |
| Total domestic deposits to total assets | 85.5874% | 3,568 |
| Equity capital to assets | 12.1914% | 1,916 |
| Core capital (leverage) ratio | 11.7012% | 1,732 |
| Tier 1 risk-based capital ratio | 16.4321% | 2,925 |
| Total risk-based capital ratio | 17.6011% | 2,924 |
| Memoranda: | ||
| Average total assets | $649,987,200 | 1,012 |
| Average earning assets | $606,272,600 | 987 |
| Average equity | $79,893,800 | 875 |
| Average total loans | $402,438,800 | 1,037 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 4,373 |
| Cost of funding earning assets | 0.7680% | 3,210 |
| Net interest margin | 3.5514% | 4,434 |
| Noninterest income to average assets | 1.0377% | 1,405 |
| Noninterest expense to average assets | 2.7173% | 4,298 |
| Loan and lease loss provision to assets | 0.1244% | 3,998 |
| Net operating income to assets | 1.4313% | 1,157 |
| Return on assets (ROA) | 1.4313% | 1,279 |
| Pretax return on assets | 1.5082% | 1,851 |
| Return on Equity (ROE) | 11.6194% | 1,753 |
| Retained earnings to average equity (ytd only) | 6.8159% | 2,226 |
| Net charge-offs to loans | 0.0458% | 5,010 |
| Credit loss provision to net charge-offs | 437.9562% | 613 |
| Earnings coverage of net charge-offs (x) | 57.4970% | 679 |
| Efficiency ratio | 62.4595% | 5,078 |
| Assets per employee ($millions) | 4.3618% | 3,144 |
| Cash dividends to net income (ytd only)* | 41.3408% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 4,725 |
| Loan loss allowance to noncurrent loans | 75.7504% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.4183% | 3,475 |
| Noncurrent loans to loans | 1.7424% | 3,172 |
| Net loans and leases to total assets | 63.5596% | 3,102 |
| Net loans and leases to deposits | 75.7183% | 3,025 |
| Net loans and leases to core deposits | 79.0282% | 3,321 |
| Total domestic deposits to total assets | 83.9422% | 4,246 |
| Equity capital to assets | 12.7891% | 1,716 |
| Core capital (leverage) ratio | 11.7339% | 1,820 |
| Tier 1 risk-based capital ratio | 16.3855% | 3,074 |
| Total risk-based capital ratio | 17.5717% | 3,064 |
| Memoranda: | ||
| Average total assets | $643,326,500 | 1,034 |
| Average earning assets | $599,969,750 | 1,009 |
| Average equity | $79,244,500 | 886 |
| Average total loans | $398,504,250 | 1,055 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3433% | 4,401 |
| Cost of funding earning assets | 0.7885% | 3,290 |
| Net interest margin | 3.5548% | 4,444 |
| Noninterest income to average assets | 1.0617% | 1,272 |
| Noninterest expense to average assets | 2.7057% | 4,393 |
| Loan and lease loss provision to assets | 0.1165% | 4,071 |
| Net operating income to assets | 1.4732% | 1,044 |
| Return on assets (ROA) | 1.4732% | 1,167 |
| Pretax return on assets | 1.5533% | 1,698 |
| Return on Equity (ROE) | 12.1135% | 1,631 |
| Retained earnings to average equity (ytd only) | 7.2620% | 1,972 |
| Net charge-offs to loans | 0.0594% | 4,588 |
| Credit loss provision to net charge-offs | 320.5128% | 922 |
| Earnings coverage of net charge-offs (x) | 45.9573% | 782 |
| Efficiency ratio | 61.8311% | 5,278 |
| Assets per employee ($millions) | 4.5106% | 2,887 |
| Cash dividends to net income (ytd only)* | 40.0506% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 4,810 |
| Loan loss allowance to noncurrent loans | 88.1088% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2005% | 4,009 |
| Noncurrent loans to loans | 1.4961% | 3,663 |
| Net loans and leases to total assets | 60.0471% | 3,809 |
| Net loans and leases to deposits | 71.0063% | 3,767 |
| Net loans and leases to core deposits | 73.8579% | 4,053 |
| Total domestic deposits to total assets | 84.5659% | 4,070 |
| Equity capital to assets | 12.2449% | 1,969 |
| Core capital (leverage) ratio | 11.2543% | 2,080 |
| Tier 1 risk-based capital ratio | 16.4876% | 2,923 |
| Total risk-based capital ratio | 17.6550% | 2,924 |
| Memoranda: | ||
| Average total assets | $644,042,330 | 1,029 |
| Average earning assets | $600,374,000 | 1,006 |
| Average equity | $78,325,670 | 890 |
| Average total loans | $393,678,330 | 1,072 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 4,255 |
| Cost of funding earning assets | 0.7997% | 3,478 |
| Net interest margin | 3.6177% | 4,191 |
| Noninterest income to average assets | 1.1123% | 1,143 |
| Noninterest expense to average assets | 2.7979% | 4,037 |
| Loan and lease loss provision to assets | 0.1408% | 3,592 |
| Net operating income to assets | 1.4778% | 1,065 |
| Return on assets (ROA) | 1.4778% | 1,190 |
| Pretax return on assets | 1.5573% | 1,718 |
| Return on Equity (ROE) | 12.1944% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.4427% | 2,204 |
| Net charge-offs to loans | 0.0664% | 3,825 |
| Credit loss provision to net charge-offs | 346.1538% | 879 |
| Earnings coverage of net charge-offs (x) | 41.7385% | 720 |
| Efficiency ratio | 62.2163% | 5,235 |
| Assets per employee ($millions) | 4.4160% | 3,163 |
| Cash dividends to net income (ytd only)* | 38.9665% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 4,932 |
| Loan loss allowance to noncurrent loans | 182.8774% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 5,085 |
| Noncurrent loans to loans | 0.7214% | 5,217 |
| Net loans and leases to total assets | 58.9166% | 3,871 |
| Net loans and leases to deposits | 69.5766% | 3,792 |
| Net loans and leases to core deposits | 72.1693% | 4,127 |
| Total domestic deposits to total assets | 84.6788% | 4,171 |
| Equity capital to assets | 11.9607% | 2,070 |
| Core capital (leverage) ratio | 11.4811% | 1,904 |
| Tier 1 risk-based capital ratio | 16.6389% | 2,849 |
| Total risk-based capital ratio | 17.8175% | 2,840 |
| Memoranda: | ||
| Average total assets | $639,045,000 | 1,035 |
| Average earning assets | $597,725,500 | 1,008 |
| Average equity | $77,445,500 | 901 |
| Average total loans | $391,529,500 | 1,080 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8398% | 3,624 |
| Cost of funding earning assets | 0.9305% | 3,872 |
| Net interest margin | 3.9093% | 3,295 |
| Noninterest income to average assets | 1.1372% | 1,016 |
| Noninterest expense to average assets | 2.8505% | 4,164 |
| Loan and lease loss provision to assets | 0.1000% | 5,339 |
| Net operating income to assets | 1.7447% | 508 |
| Return on assets (ROA) | 1.7447% | 544 |
| Pretax return on assets | 1.8497% | 730 |
| Return on Equity (ROE) | 14.4445% | 838 |
| Retained earnings to average equity (ytd only) | 8.6929% | 881 |
| Net charge-offs to loans | 0.0933% | 5,408 |
| Credit loss provision to net charge-offs | 164.8352% | 1,651 |
| Earnings coverage of net charge-offs (x) | 32.1291% | 805 |
| Efficiency ratio | 59.3651% | 5,850 |
| Assets per employee ($millions) | 4.0819% | 3,688 |
| Cash dividends to net income (ytd only)* | 39.8184% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,067 |
| Loan loss allowance to noncurrent loans | 202.5995% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 5,017 |
| Noncurrent loans to loans | 0.6267% | 5,461 |
| Net loans and leases to total assets | 62.1056% | 3,585 |
| Net loans and leases to deposits | 73.6723% | 3,551 |
| Net loans and leases to core deposits | 76.8564% | 3,849 |
| Total domestic deposits to total assets | 84.2998% | 4,188 |
| Equity capital to assets | 12.2845% | 1,921 |
| Core capital (leverage) ratio | 11.5196% | 1,878 |
| Tier 1 risk-based capital ratio | 15.1259% | 3,560 |
| Total risk-based capital ratio | 16.1851% | 3,642 |
| Memoranda: | ||
| Average total assets | $599,830,800 | 1,094 |
| Average earning assets | $562,046,600 | 1,056 |
| Average equity | $72,449,800 | 932 |
| Average total loans | $390,253,400 | 1,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8913% | 3,602 |
| Cost of funding earning assets | 0.9605% | 3,954 |
| Net interest margin | 3.9308% | 3,232 |
| Noninterest income to average assets | 1.1553% | 983 |
| Noninterest expense to average assets | 2.8752% | 4,035 |
| Loan and lease loss provision to assets | 0.1011% | 5,181 |
| Net operating income to assets | 1.7559% | 559 |
| Return on assets (ROA) | 1.7559% | 613 |
| Pretax return on assets | 1.8686% | 833 |
| Return on Equity (ROE) | 14.6027% | 922 |
| Retained earnings to average equity (ytd only) | 9.6903% | 931 |
| Net charge-offs to loans | 0.0027% | 6,162 |
| Credit loss provision to net charge-offs | 5,625.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 1,095.8800% | 21 |
| Efficiency ratio | 59.3454% | 5,818 |
| Assets per employee ($millions) | 3.9698% | 3,921 |
| Cash dividends to net income (ytd only)* | 33.6403% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3213% | 4,912 |
| Loan loss allowance to noncurrent loans | 115.8858% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1682% | 4,453 |
| Noncurrent loans to loans | 1.1402% | 4,637 |
| Net loans and leases to total assets | 64.2831% | 3,251 |
| Net loans and leases to deposits | 76.6159% | 3,223 |
| Net loans and leases to core deposits | 79.8505% | 3,660 |
| Total domestic deposits to total assets | 83.9031% | 4,278 |
| Equity capital to assets | 12.5717% | 1,870 |
| Core capital (leverage) ratio | 11.7801% | 1,837 |
| Tier 1 risk-based capital ratio | 13.5315% | 4,708 |
| Total risk-based capital ratio | 14.5331% | 4,863 |
| Memoranda: | ||
| Average total assets | $593,656,750 | 1,115 |
| Average earning assets | $557,221,000 | 1,073 |
| Average equity | $71,382,250 | 951 |
| Average total loans | $389,603,250 | 1,106 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 3,537 |
| Cost of funding earning assets | 0.9962% | 3,976 |
| Net interest margin | 3.9232% | 3,200 |
| Noninterest income to average assets | 1.1853% | 915 |
| Noninterest expense to average assets | 2.9583% | 3,799 |
| Loan and lease loss provision to assets | 0.1524% | 4,408 |
| Net operating income to assets | 1.6551% | 661 |
| Return on assets (ROA) | 1.6551% | 701 |
| Pretax return on assets | 1.7632% | 942 |
| Return on Equity (ROE) | 13.9820% | 985 |
| Retained earnings to average equity (ytd only) | 9.0027% | 1,109 |
| Net charge-offs to loans | 0.0062% | 5,786 |
| Credit loss provision to net charge-offs | 3,750.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 471.2500% | 67 |
| Efficiency ratio | 60.6964% | 5,776 |
| Assets per employee ($millions) | 3.8604% | 4,068 |
| Cash dividends to net income (ytd only)* | 35.6120% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,886 |
| Loan loss allowance to noncurrent loans | 114.9756% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2737% | 4,351 |
| Noncurrent loans to loans | 1.1623% | 4,714 |
| Net loans and leases to total assets | 65.3003% | 3,185 |
| Net loans and leases to deposits | 77.4859% | 3,219 |
| Net loans and leases to core deposits | 80.6498% | 3,695 |
| Total domestic deposits to total assets | 84.2737% | 4,228 |
| Equity capital to assets | 12.4131% | 1,837 |
| Core capital (leverage) ratio | 11.4437% | 1,950 |
| Tier 1 risk-based capital ratio | 15.1660% | 3,416 |
| Total risk-based capital ratio | 16.3218% | 3,425 |
| Memoranda: | ||
| Average total assets | $590,406,000 | 1,125 |
| Average earning assets | $555,106,000 | 1,088 |
| Average equity | $69,890,000 | 971 |
| Average total loans | $388,443,000 | 1,124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8579% | 3,781 |
| Cost of funding earning assets | 1.0272% | 4,011 |
| Net interest margin | 3.8307% | 3,464 |
| Noninterest income to average assets | 1.0415% | 1,214 |
| Noninterest expense to average assets | 3.0333% | 3,508 |
| Loan and lease loss provision to assets | 0.2364% | 3,296 |
| Net operating income to assets | 1.2752% | 1,332 |
| Return on assets (ROA) | 1.2752% | 1,378 |
| Pretax return on assets | 1.3711% | 1,809 |
| Return on Equity (ROE) | 11.0384% | 1,728 |
| Retained earnings to average equity (ytd only) | 6.2149% | 2,515 |
| Net charge-offs to loans | -0.0474% | 6,865 |
| Credit loss provision to net charge-offs | -760.8696% | 6,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3617% | 5,144 |
| Assets per employee ($millions) | 3.9234% | 4,011 |
| Cash dividends to net income (ytd only)* | 43.6970% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 5,025 |
| Loan loss allowance to noncurrent loans | 91.4225% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 3,931 |
| Noncurrent loans to loans | 1.4461% | 4,300 |
| Net loans and leases to total assets | 64.8563% | 3,273 |
| Net loans and leases to deposits | 75.7848% | 3,454 |
| Net loans and leases to core deposits | 79.0359% | 3,876 |
| Total domestic deposits to total assets | 85.5796% | 3,737 |
| Equity capital to assets | 11.6588% | 2,156 |
| Core capital (leverage) ratio | 11.2346% | 2,012 |
| Tier 1 risk-based capital ratio | 14.2971% | 3,873 |
| Total risk-based capital ratio | 15.4124% | 3,932 |
| Memoranda: | ||
| Average total assets | $592,217,500 | 1,129 |
| Average earning assets | $556,454,500 | 1,097 |
| Average equity | $68,416,000 | 981 |
| Average total loans | $388,484,000 | 1,131 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 3,107 |
| Cost of funding earning assets | 1.1404% | 4,906 |
| Net interest margin | 4.1666% | 2,306 |
| Noninterest income to average assets | 1.0220% | 1,435 |
| Noninterest expense to average assets | 2.9961% | 3,859 |
| Loan and lease loss provision to assets | 0.4000% | 3,718 |
| Net operating income to assets | 1.4426% | 872 |
| Return on assets (ROA) | 1.4426% | 935 |
| Pretax return on assets | 1.5228% | 1,318 |
| Return on Equity (ROE) | 12.5638% | 1,204 |
| Retained earnings to average equity (ytd only) | 7.2193% | 1,231 |
| Net charge-offs to loans | 0.5299% | 3,506 |
| Credit loss provision to net charge-offs | 114.1038% | 3,807 |
| Earnings coverage of net charge-offs (x) | 5.4853% | 2,611 |
| Efficiency ratio | 60.9108% | 5,907 |
| Assets per employee ($millions) | 3.8193% | 4,208 |
| Cash dividends to net income (ytd only)* | 42.5393% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,386 |
| Loan loss allowance to noncurrent loans | 87.1927% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5503% | 3,990 |
| Noncurrent loans to loans | 1.4061% | 4,377 |
| Net loans and leases to total assets | 64.6683% | 3,731 |
| Net loans and leases to deposits | 75.2690% | 3,963 |
| Net loans and leases to core deposits | 78.7106% | 4,375 |
| Total domestic deposits to total assets | 85.9163% | 3,407 |
| Equity capital to assets | 11.4462% | 2,309 |
| Core capital (leverage) ratio | 11.1113% | 2,076 |
| Tier 1 risk-based capital ratio | 14.1655% | 3,759 |
| Total risk-based capital ratio | 15.2029% | 3,866 |
| Memoranda: | ||
| Average total assets | $582,560,000 | 1,153 |
| Average earning assets | $544,831,600 | 1,113 |
| Average equity | $66,890,600 | 1,002 |
| Average total loans | $385,328,800 | 1,172 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 3,087 |
| Cost of funding earning assets | 1.1595% | 5,089 |
| Net interest margin | 4.1979% | 2,222 |
| Noninterest income to average assets | 0.9835% | 1,506 |
| Noninterest expense to average assets | 3.0039% | 3,727 |
| Loan and lease loss provision to assets | 0.4320% | 3,321 |
| Net operating income to assets | 1.3880% | 1,131 |
| Return on assets (ROA) | 1.3880% | 1,213 |
| Pretax return on assets | 1.4721% | 1,682 |
| Return on Equity (ROE) | 12.0785% | 1,482 |
| Retained earnings to average equity (ytd only) | 9.6788% | 874 |
| Net charge-offs to loans | 0.4578% | 3,462 |
| Credit loss provision to net charge-offs | 142.3164% | 2,775 |
| Earnings coverage of net charge-offs (x) | 6.2725% | 2,556 |
| Efficiency ratio | 61.2042% | 5,755 |
| Assets per employee ($millions) | 3.8244% | 4,208 |
| Cash dividends to net income (ytd only)* | 19.8676% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,933 |
| Loan loss allowance to noncurrent loans | 68.6296% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.0296% | 3,430 |
| Noncurrent loans to loans | 1.9029% | 3,799 |
| Net loans and leases to total assets | 66.1713% | 3,649 |
| Net loans and leases to deposits | 79.0599% | 3,626 |
| Net loans and leases to core deposits | 82.7944% | 4,114 |
| Total domestic deposits to total assets | 83.6977% | 4,273 |
| Equity capital to assets | 12.1630% | 2,050 |
| Core capital (leverage) ratio | 11.3855% | 2,020 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,586 |
| Total risk-based capital ratio | 15.4800% | 3,644 |
| Memoranda: | ||
| Average total assets | $580,201,000 | 1,166 |
| Average earning assets | $542,422,250 | 1,128 |
| Average equity | $66,673,000 | 1,004 |
| Average total loans | $384,764,500 | 1,186 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 3,176 |
| Cost of funding earning assets | 1.1653% | 5,311 |
| Net interest margin | 4.1922% | 2,178 |
| Noninterest income to average assets | 0.8792% | 1,762 |
| Noninterest expense to average assets | 2.9225% | 3,994 |
| Loan and lease loss provision to assets | 0.4911% | 2,841 |
| Net operating income to assets | 1.3029% | 1,296 |
| Return on assets (ROA) | 1.3029% | 1,360 |
| Pretax return on assets | 1.3843% | 1,874 |
| Return on Equity (ROE) | 11.5602% | 1,576 |
| Retained earnings to average equity (ytd only) | 9.7320% | 906 |
| Net charge-offs to loans | 0.6408% | 2,622 |
| Credit loss provision to net charge-offs | 115.9773% | 3,501 |
| Earnings coverage of net charge-offs (x) | 4.4290% | 2,954 |
| Efficiency ratio | 60.9119% | 5,873 |
| Assets per employee ($millions) | 3.8333% | 4,145 |
| Cash dividends to net income (ytd only)* | 15.8144% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,324 |
| Loan loss allowance to noncurrent loans | 70.1430% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9922% | 3,507 |
| Noncurrent loans to loans | 1.7471% | 4,065 |
| Net loans and leases to total assets | 65.3367% | 3,976 |
| Net loans and leases to deposits | 76.2567% | 4,283 |
| Net loans and leases to core deposits | 79.8527% | 4,709 |
| Total domestic deposits to total assets | 85.6800% | 3,274 |
| Equity capital to assets | 11.7618% | 2,236 |
| Core capital (leverage) ratio | 10.7874% | 2,408 |
| Tier 1 risk-based capital ratio | 14.2345% | 3,586 |
| Total risk-based capital ratio | 15.2839% | 3,675 |
| Memoranda: | ||
| Average total assets | $582,379,000 | 1,170 |
| Average earning assets | $544,395,330 | 1,128 |
| Average equity | $65,639,000 | 1,015 |
| Average total loans | $384,810,670 | 1,195 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 3,278 |
| Cost of funding earning assets | 1.1832% | 5,492 |
| Net interest margin | 4.1710% | 2,151 |
| Noninterest income to average assets | 0.9555% | 1,432 |
| Noninterest expense to average assets | 2.9908% | 3,716 |
| Loan and lease loss provision to assets | 0.5153% | 2,437 |
| Net operating income to assets | 1.2790% | 1,338 |
| Return on assets (ROA) | 1.2790% | 1,409 |
| Pretax return on assets | 1.3473% | 1,914 |
| Return on Equity (ROE) | 11.5959% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.5959% | 813 |
| Net charge-offs to loans | 0.6749% | 2,144 |
| Credit loss provision to net charge-offs | 115.6202% | 3,010 |
| Earnings coverage of net charge-offs (x) | 4.1792% | 2,684 |
| Efficiency ratio | 61.6228% | 5,895 |
| Assets per employee ($millions) | 3.8745% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,654 |
| Loan loss allowance to noncurrent loans | 66.0686% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.8423% | 3,720 |
| Noncurrent loans to loans | 1.7716% | 4,093 |
| Net loans and leases to total assets | 66.3376% | 3,781 |
| Net loans and leases to deposits | 77.3232% | 4,163 |
| Net loans and leases to core deposits | 80.8457% | 4,650 |
| Total domestic deposits to total assets | 85.7926% | 3,265 |
| Equity capital to assets | 11.3041% | 2,503 |
| Core capital (leverage) ratio | 10.7230% | 2,438 |
| Tier 1 risk-based capital ratio | 13.6964% | 3,870 |
| Total risk-based capital ratio | 14.7069% | 3,980 |
| Memoranda: | ||
| Average total assets | $586,071,000 | 1,183 |
| Average earning assets | $547,689,500 | 1,145 |
| Average equity | $64,643,500 | 1,034 |
| Average total loans | $387,044,000 | 1,223 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5898% | 3,659 |
| Cost of funding earning assets | 1.6072% | 4,997 |
| Net interest margin | 3.9826% | 2,929 |
| Noninterest income to average assets | 0.8645% | 2,116 |
| Noninterest expense to average assets | 2.7758% | 5,071 |
| Loan and lease loss provision to assets | 1.5743% | 1,458 |
| Net operating income to assets | 0.2303% | 4,800 |
| Return on assets (ROA) | 0.2303% | 4,868 |
| Pretax return on assets | 0.2634% | 4,863 |
| Return on Equity (ROE) | 2.0558% | 4,880 |
| Retained earnings to average equity (ytd only) | -3.9170% | 5,852 |
| Net charge-offs to loans | 2.2179% | 1,070 |
| Credit loss provision to net charge-offs | 106.4771% | 5,207 |
| Earnings coverage of net charge-offs (x) | 1.2429% | 4,883 |
| Efficiency ratio | 60.0839% | 6,483 |
| Assets per employee ($millions) | 4.1039% | 3,602 |
| Cash dividends to net income (ytd only)* | 290.5303% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,574 |
| Loan loss allowance to noncurrent loans | 78.5224% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 4,037 |
| Noncurrent loans to loans | 1.4805% | 4,446 |
| Net loans and leases to total assets | 64.2203% | 4,555 |
| Net loans and leases to deposits | 74.5776% | 4,941 |
| Net loans and leases to core deposits | 84.7201% | 5,654 |
| Total domestic deposits to total assets | 86.1121% | 2,958 |
| Equity capital to assets | 10.7603% | 2,907 |
| Core capital (leverage) ratio | 10.3298% | 2,763 |
| Tier 1 risk-based capital ratio | 13.4165% | 3,873 |
| Total risk-based capital ratio | 14.4109% | 3,988 |
| Memoranda: | ||
| Average total assets | $573,275,400 | 1,208 |
| Average earning assets | $539,646,600 | 1,172 |
| Average equity | $64,207,800 | 1,028 |
| Average total loans | $382,167,800 | 1,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6317% | 3,680 |
| Cost of funding earning assets | 1.7021% | 4,888 |
| Net interest margin | 3.9296% | 3,127 |
| Noninterest income to average assets | 0.8546% | 2,180 |
| Noninterest expense to average assets | 2.8450% | 4,698 |
| Loan and lease loss provision to assets | 1.5118% | 1,266 |
| Net operating income to assets | 0.1861% | 5,206 |
| Return on assets (ROA) | 0.1861% | 5,275 |
| Pretax return on assets | 0.2039% | 5,295 |
| Return on Equity (ROE) | 1.6448% | 5,286 |
| Retained earnings to average equity (ytd only) | -6.2996% | 6,423 |
| Net charge-offs to loans | 1.6235% | 1,258 |
| Credit loss provision to net charge-offs | 138.7694% | 3,569 |
| Earnings coverage of net charge-offs (x) | 1.5749% | 4,612 |
| Efficiency ratio | 62.2777% | 6,061 |
| Assets per employee ($millions) | 4.0721% | 3,605 |
| Cash dividends to net income (ytd only)* | 482.9980% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,553 |
| Loan loss allowance to noncurrent loans | 49.8474% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.6696% | 2,609 |
| Noncurrent loans to loans | 2.9681% | 2,549 |
| Net loans and leases to total assets | 66.3038% | 4,355 |
| Net loans and leases to deposits | 78.0484% | 4,732 |
| Net loans and leases to core deposits | 89.4279% | 5,490 |
| Total domestic deposits to total assets | 84.9522% | 3,261 |
| Equity capital to assets | 11.1381% | 2,888 |
| Core capital (leverage) ratio | 10.3493% | 2,927 |
| Tier 1 risk-based capital ratio | 13.2841% | 3,995 |
| Total risk-based capital ratio | 14.5343% | 3,946 |
| Memoranda: | ||
| Average total assets | $568,852,750 | 1,229 |
| Average earning assets | $536,499,000 | 1,193 |
| Average equity | $64,362,250 | 1,042 |
| Average total loans | $381,713,750 | 1,279 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 3,953 |
| Cost of funding earning assets | 1.7862% | 4,828 |
| Net interest margin | 3.8366% | 3,385 |
| Noninterest income to average assets | 0.8404% | 2,217 |
| Noninterest expense to average assets | 2.8765% | 4,592 |
| Loan and lease loss provision to assets | 1.7458% | 956 |
| Net operating income to assets | -0.1566% | 6,115 |
| Return on assets (ROA) | -0.1566% | 6,142 |
| Pretax return on assets | -0.1622% | 6,073 |
| Return on Equity (ROE) | -1.3768% | 6,128 |
| Retained earnings to average equity (ytd only) | -13.2684% | 7,132 |
| Net charge-offs to loans | 2.2991% | 773 |
| Credit loss provision to net charge-offs | 113.2723% | 4,092 |
| Earnings coverage of net charge-offs (x) | 1.0275% | 4,761 |
| Efficiency ratio | 64.3919% | 5,829 |
| Assets per employee ($millions) | 3.9649% | 3,749 |
| Cash dividends to net income (ytd only)* | -863.7387% | 8,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 5,016 |
| Loan loss allowance to noncurrent loans | 44.9320% | 5,364 |
| Noncurrent assets plus other real estate owned to assets | 2.1839% | 2,952 |
| Noncurrent loans to loans | 2.6493% | 2,731 |
| Net loans and leases to total assets | 65.3503% | 4,693 |
| Net loans and leases to deposits | 76.4050% | 5,107 |
| Net loans and leases to core deposits | 86.2601% | 5,877 |
| Total domestic deposits to total assets | 85.5314% | 3,002 |
| Equity capital to assets | 10.6747% | 3,229 |
| Core capital (leverage) ratio | 9.9501% | 3,345 |
| Tier 1 risk-based capital ratio | 13.2687% | 3,959 |
| Total risk-based capital ratio | 14.2907% | 4,041 |
| Memoranda: | ||
| Average total assets | $567,082,670 | 1,250 |
| Average earning assets | $534,999,000 | 1,207 |
| Average equity | $64,499,330 | 1,051 |
| Average total loans | $380,148,670 | 1,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7317% | 3,632 |
| Cost of funding earning assets | 1.8751% | 4,769 |
| Net interest margin | 3.8566% | 3,223 |
| Noninterest income to average assets | 0.8960% | 1,868 |
| Noninterest expense to average assets | 2.8856% | 4,207 |
| Loan and lease loss provision to assets | 0.1592% | 4,896 |
| Net operating income to assets | 1.4311% | 1,077 |
| Return on assets (ROA) | 1.4311% | 1,160 |
| Pretax return on assets | 1.4920% | 1,688 |
| Return on Equity (ROE) | 12.2035% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.1640% | 2,151 |
| Net charge-offs to loans | 0.0808% | 4,362 |
| Credit loss provision to net charge-offs | 292.2078% | 1,660 |
| Earnings coverage of net charge-offs (x) | 30.2987% | 1,044 |
| Efficiency ratio | 63.4945% | 5,781 |
| Assets per employee ($millions) | 3.9530% | 3,767 |
| Cash dividends to net income (ytd only)* | 41.2957% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,644 |
| Loan loss allowance to noncurrent loans | 68.2398% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1059% | 4,473 |
| Noncurrent loans to loans | 1.5768% | 3,912 |
| Net loans and leases to total assets | 65.1681% | 4,779 |
| Net loans and leases to deposits | 77.4356% | 5,016 |
| Net loans and leases to core deposits | 87.1946% | 5,820 |
| Total domestic deposits to total assets | 84.1578% | 3,630 |
| Equity capital to assets | 11.7175% | 2,432 |
| Core capital (leverage) ratio | 11.5080% | 2,141 |
| Tier 1 risk-based capital ratio | 14.4018% | 3,362 |
| Total risk-based capital ratio | 15.3190% | 3,471 |
| Memoranda: | ||
| Average total assets | $565,154,000 | 1,261 |
| Average earning assets | $533,522,500 | 1,215 |
| Average equity | $66,276,000 | 1,018 |
| Average total loans | $381,420,000 | 1,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2630% | 4,165 |
| Cost of funding earning assets | 2.3727% | 4,843 |
| Net interest margin | 3.8902% | 3,612 |
| Noninterest income to average assets | 0.9755% | 1,673 |
| Noninterest expense to average assets | 2.9059% | 4,431 |
| Loan and lease loss provision to assets | 0.1677% | 5,234 |
| Net operating income to assets | 1.4305% | 1,166 |
| Return on assets (ROA) | 1.4394% | 1,102 |
| Pretax return on assets | 1.5498% | 1,538 |
| Return on Equity (ROE) | 12.2816% | 1,524 |
| Retained earnings to average equity (ytd only) | -1.0141% | 5,607 |
| Net charge-offs to loans | 0.1258% | 4,982 |
| Credit loss provision to net charge-offs | 192.7195% | 2,544 |
| Earnings coverage of net charge-offs (x) | 19.6338% | 1,616 |
| Efficiency ratio | 62.8729% | 5,803 |
| Assets per employee ($millions) | 3.7391% | 4,083 |
| Cash dividends to net income (ytd only)* | 108.2568% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 5,876 |
| Loan loss allowance to noncurrent loans | 80.8050% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.9387% | 4,476 |
| Noncurrent loans to loans | 1.2576% | 3,997 |
| Net loans and leases to total assets | 68.4460% | 4,379 |
| Net loans and leases to deposits | 81.6524% | 4,774 |
| Net loans and leases to core deposits | 92.0173% | 5,637 |
| Total domestic deposits to total assets | 83.8260% | 3,414 |
| Equity capital to assets | 11.7369% | 2,477 |
| Core capital (leverage) ratio | 11.5881% | 2,201 |
| Tier 1 risk-based capital ratio | 14.1128% | 3,493 |
| Total risk-based capital ratio | 14.9856% | 3,596 |
| Memoranda: | ||
| Average total assets | $536,830,200 | 1,265 |
| Average earning assets | $502,079,600 | 1,226 |
| Average equity | $62,915,000 | 1,068 |
| Average total loans | $371,275,000 | 1,309 |