Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1112% | 2,906 |
| Cost of funding earning assets | 1.6328% | 2,891 |
| Net interest margin | 3.4784% | 2,363 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 1.9637% | 3,623 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.5072% | 1,081 |
| Return on assets (ROA) | 1.5150% | 1,064 |
| Pretax return on assets | 1.8227% | 915 |
| Return on Equity (ROE) | 16.8400% | 784 |
| Retained earnings to average equity (ytd only) | 6.0298% | 2,262 |
| Net charge-offs to loans | -0.0014% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.3784% | 3,797 |
| Assets per employee ($millions) | 8.9008% | 1,151 |
| Cash dividends to net income (ytd only)* | 64.1986% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 3,637 |
| Loan loss allowance to noncurrent loans | 1,162.7543% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 3,315 |
| Noncurrent loans to loans | 0.0763% | 3,291 |
| Net loans and leases to total assets | 67.1300% | 2,179 |
| Net loans and leases to deposits | 75.4161% | 2,453 |
| Net loans and leases to core deposits | 88.5081% | 2,147 |
| Total domestic deposits to total assets | 89.0100% | 1,177 |
| Equity capital to assets | 9.1041% | 2,865 |
| Core capital (leverage) ratio | 10.1714% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5478% | 952 |
| Memoranda: | ||
| Average total assets | $1,233,769,000 | 866 |
| Average earning assets | $1,167,094,500 | 840 |
| Average equity | $110,983,000 | 963 |
| Average total loans | $833,573,500 | 883 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2387% | 2,653 |
| Cost of funding earning assets | 1.7685% | 2,799 |
| Net interest margin | 3.4702% | 2,142 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 2.0671% | 3,450 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4569% | 979 |
| Return on assets (ROA) | 1.4553% | 973 |
| Pretax return on assets | 1.7564% | 889 |
| Return on Equity (ROE) | 16.5900% | 718 |
| Retained earnings to average equity (ytd only) | 9.4330% | 695 |
| Net charge-offs to loans | 0.0096% | 2,559 |
| Credit loss provision to net charge-offs | 287.0130% | 893 |
| Earnings coverage of net charge-offs (x) | 275.6104% | 400 |
| Efficiency ratio | 53.7758% | 3,738 |
| Assets per employee ($millions) | 8.6643% | 1,192 |
| Cash dividends to net income (ytd only)* | 43.1481% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 3,684 |
| Loan loss allowance to noncurrent loans | 564.5236% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 2,963 |
| Noncurrent loans to loans | 0.1557% | 2,897 |
| Net loans and leases to total assets | 66.8000% | 2,286 |
| Net loans and leases to deposits | 74.8812% | 2,568 |
| Net loans and leases to core deposits | 84.5033% | 2,473 |
| Total domestic deposits to total assets | 89.2100% | 1,079 |
| Equity capital to assets | 8.8862% | 2,911 |
| Core capital (leverage) ratio | 9.9908% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5784% | 956 |
| Memoranda: | ||
| Average total assets | $1,194,391,600 | 879 |
| Average earning assets | $1,129,495,400 | 852 |
| Average equity | $104,760,200 | 977 |
| Average total loans | $804,059,800 | 894 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2096% | 2,638 |
| Cost of funding earning assets | 1.7709% | 2,789 |
| Net interest margin | 3.4387% | 2,157 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.0778% | 3,383 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.4206% | 1,067 |
| Return on assets (ROA) | 1.4183% | 1,066 |
| Pretax return on assets | 1.7092% | 998 |
| Return on Equity (ROE) | 16.2300% | 790 |
| Retained earnings to average equity (ytd only) | 9.7921% | 898 |
| Net charge-offs to loans | 0.0104% | 2,256 |
| Credit loss provision to net charge-offs | 356.4516% | 785 |
| Earnings coverage of net charge-offs (x) | 249.0484% | 447 |
| Efficiency ratio | 54.4701% | 3,685 |
| Assets per employee ($millions) | 8.5420% | 1,246 |
| Cash dividends to net income (ytd only)* | 39.6511% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 3,637 |
| Loan loss allowance to noncurrent loans | 8,301.1364% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,742 |
| Noncurrent loans to loans | 0.0109% | 3,713 |
| Net loans and leases to total assets | 66.7500% | 2,240 |
| Net loans and leases to deposits | 75.2531% | 2,585 |
| Net loans and leases to core deposits | 84.7619% | 2,507 |
| Total domestic deposits to total assets | 88.7000% | 1,015 |
| Equity capital to assets | 9.1996% | 2,881 |
| Core capital (leverage) ratio | 9.9730% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8674% | 941 |
| Memoranda: | ||
| Average total assets | $1,185,408,000 | 872 |
| Average earning assets | $1,120,464,250 | 851 |
| Average equity | $103,618,000 | 979 |
| Average total loans | $797,783,500 | 898 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 2,713 |
| Cost of funding earning assets | 1.6994% | 2,862 |
| Net interest margin | 3.4201% | 2,126 |
| Noninterest income to average assets | 0.5800% | 1,524 |
| Noninterest expense to average assets | 2.0868% | 3,357 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.4071% | 1,066 |
| Return on assets (ROA) | 1.4042% | 1,075 |
| Pretax return on assets | 1.6934% | 986 |
| Return on Equity (ROE) | 16.3500% | 788 |
| Retained earnings to average equity (ytd only) | 12.4117% | 503 |
| Net charge-offs to loans | 0.0096% | 2,054 |
| Credit loss provision to net charge-offs | 581.5789% | 573 |
| Earnings coverage of net charge-offs (x) | 269.7105% | 410 |
| Efficiency ratio | 54.6123% | 3,703 |
| Assets per employee ($millions) | 8.4387% | 1,231 |
| Cash dividends to net income (ytd only)* | 24.1022% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 3,652 |
| Loan loss allowance to noncurrent loans | 2,467.6768% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 3,566 |
| Noncurrent loans to loans | 0.0370% | 3,514 |
| Net loans and leases to total assets | 65.8700% | 2,366 |
| Net loans and leases to deposits | 72.9716% | 2,763 |
| Net loans and leases to core deposits | 81.6783% | 2,692 |
| Total domestic deposits to total assets | 90.2700% | 638 |
| Equity capital to assets | 8.6738% | 2,972 |
| Core capital (leverage) ratio | 9.9352% | 2,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8419% | 951 |
| Memoranda: | ||
| Average total assets | $1,181,915,333 | 877 |
| Average earning assets | $1,119,097,000 | 853 |
| Average equity | $101,485,000 | 990 |
| Average total loans | $795,179,333 | 902 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 2,874 |
| Cost of funding earning assets | 1.6366% | 2,894 |
| Net interest margin | 3.3195% | 2,304 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.0511% | 3,451 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.3467% | 1,155 |
| Return on assets (ROA) | 1.3407% | 1,172 |
| Pretax return on assets | 1.6123% | 1,081 |
| Return on Equity (ROE) | 15.7000% | 883 |
| Retained earnings to average equity (ytd only) | 15.6968% | 384 |
| Net charge-offs to loans | 0.0147% | 1,577 |
| Credit loss provision to net charge-offs | 400.0000% | 574 |
| Earnings coverage of net charge-offs (x) | 167.2759% | 470 |
| Efficiency ratio | 55.2821% | 3,658 |
| Assets per employee ($millions) | 8.1542% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 3,639 |
| Loan loss allowance to noncurrent loans | 694.7166% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,013 |
| Noncurrent loans to loans | 0.1320% | 2,951 |
| Net loans and leases to total assets | 66.5300% | 2,182 |
| Net loans and leases to deposits | 75.5388% | 2,466 |
| Net loans and leases to core deposits | 83.9666% | 2,455 |
| Total domestic deposits to total assets | 88.0700% | 1,397 |
| Equity capital to assets | 8.6596% | 2,918 |
| Core capital (leverage) ratio | 10.1433% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8108% | 956 |
| Memoranda: | ||
| Average total assets | $1,169,508,000 | 895 |
| Average earning assets | $1,107,405,000 | 870 |
| Average equity | $99,893,000 | 1,000 |
| Average total loans | $791,681,000 | 904 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 2,991 |
| Cost of funding earning assets | 1.3656% | 2,319 |
| Net interest margin | 3.1968% | 2,883 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.0368% | 3,538 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2911% | 1,450 |
| Return on assets (ROA) | 1.0760% | 1,960 |
| Pretax return on assets | 1.2729% | 1,950 |
| Return on Equity (ROE) | 13.8400% | 1,519 |
| Retained earnings to average equity (ytd only) | 8.8512% | 1,291 |
| Net charge-offs to loans | 0.0094% | 2,299 |
| Credit loss provision to net charge-offs | 266.6667% | 1,025 |
| Earnings coverage of net charge-offs (x) | 248.6389% | 500 |
| Efficiency ratio | 56.9063% | 3,403 |
| Assets per employee ($millions) | 8.0332% | 1,417 |
| Cash dividends to net income (ytd only)* | 36.0317% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 3,712 |
| Loan loss allowance to noncurrent loans | 692.3450% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,892 |
| Noncurrent loans to loans | 0.1298% | 2,862 |
| Net loans and leases to total assets | 67.6300% | 2,082 |
| Net loans and leases to deposits | 74.7116% | 2,563 |
| Net loans and leases to core deposits | 82.8190% | 2,537 |
| Total domestic deposits to total assets | 90.5300% | 623 |
| Equity capital to assets | 8.4223% | 3,106 |
| Core capital (leverage) ratio | 9.5393% | 3,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9643% | 1,080 |
| Memoranda: | ||
| Average total assets | $1,160,641,400 | 873 |
| Average earning assets | $1,091,688,200 | 852 |
| Average equity | $90,258,600 | 1,027 |
| Average total loans | $763,215,200 | 896 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 3,009 |
| Cost of funding earning assets | 1.2698% | 2,222 |
| Net interest margin | 3.1783% | 2,964 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 2.0942% | 3,369 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2471% | 1,655 |
| Return on assets (ROA) | 1.2254% | 1,712 |
| Pretax return on assets | 1.4598% | 1,654 |
| Return on Equity (ROE) | 16.0900% | 1,240 |
| Retained earnings to average equity (ytd only) | 10.0537% | 1,387 |
| Net charge-offs to loans | 0.0099% | 2,031 |
| Credit loss provision to net charge-offs | 342.8571% | 810 |
| Earnings coverage of net charge-offs (x) | 234.1429% | 535 |
| Efficiency ratio | 58.1434% | 3,189 |
| Assets per employee ($millions) | 7.6638% | 1,531 |
| Cash dividends to net income (ytd only)* | 37.5305% | 1,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 3,650 |
| Loan loss allowance to noncurrent loans | 2,093.8596% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 3,463 |
| Noncurrent loans to loans | 0.0441% | 3,444 |
| Net loans and leases to total assets | 66.7800% | 2,178 |
| Net loans and leases to deposits | 74.6438% | 2,514 |
| Net loans and leases to core deposits | 82.0262% | 2,464 |
| Total domestic deposits to total assets | 89.4700% | 1,083 |
| Equity capital to assets | 7.7873% | 3,186 |
| Core capital (leverage) ratio | 9.6416% | 3,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2219% | 1,064 |
| Memoranda: | ||
| Average total assets | $1,159,600,000 | 878 |
| Average earning assets | $1,089,485,750 | 857 |
| Average equity | $88,297,250 | 1,044 |
| Average total loans | $755,284,500 | 908 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3476% | 3,002 |
| Cost of funding earning assets | 1.1859% | 2,033 |
| Net interest margin | 3.1617% | 3,075 |
| Noninterest income to average assets | 0.6100% | 1,422 |
| Noninterest expense to average assets | 2.1126% | 3,312 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.2180% | 1,783 |
| Return on assets (ROA) | 1.1856% | 1,862 |
| Pretax return on assets | 1.4133% | 1,778 |
| Return on Equity (ROE) | 15.6900% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.1367% | 1,162 |
| Net charge-offs to loans | 0.0112% | 1,781 |
| Credit loss provision to net charge-offs | 114.2857% | 1,353 |
| Earnings coverage of net charge-offs (x) | 202.1429% | 601 |
| Efficiency ratio | 59.1316% | 3,062 |
| Assets per employee ($millions) | 7.5770% | 1,560 |
| Cash dividends to net income (ytd only)* | 29.0107% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,680 |
| Loan loss allowance to noncurrent loans | 1,947.3684% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,430 |
| Noncurrent loans to loans | 0.0479% | 3,373 |
| Net loans and leases to total assets | 65.2200% | 2,246 |
| Net loans and leases to deposits | 72.9584% | 2,582 |
| Net loans and leases to core deposits | 76.9374% | 2,693 |
| Total domestic deposits to total assets | 89.4000% | 1,110 |
| Equity capital to assets | 7.8685% | 3,298 |
| Core capital (leverage) ratio | 9.4575% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3432% | 1,058 |
| Memoranda: | ||
| Average total assets | $1,162,944,667 | 868 |
| Average earning assets | $1,091,362,000 | 849 |
| Average equity | $87,889,667 | 1,044 |
| Average total loans | $748,755,667 | 899 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 3,037 |
| Cost of funding earning assets | 1.1071% | 1,732 |
| Net interest margin | 3.0958% | 3,360 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.0734% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1678% | 2,030 |
| Return on assets (ROA) | 1.1747% | 1,970 |
| Pretax return on assets | 1.3870% | 1,913 |
| Return on Equity (ROE) | 15.8600% | 1,387 |
| Retained earnings to average equity (ytd only) | 11.2553% | 1,412 |
| Net charge-offs to loans | 0.0123% | 1,491 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 175.6957% | 549 |
| Efficiency ratio | 60.0613% | 2,954 |
| Assets per employee ($millions) | 7.5346% | 1,600 |
| Cash dividends to net income (ytd only)* | 29.0444% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,174.8447% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,508 |
| Noncurrent loans to loans | 0.0432% | 3,429 |
| Net loans and leases to total assets | 63.2600% | 2,330 |
| Net loans and leases to deposits | 69.9047% | 2,620 |
| Net loans and leases to core deposits | 73.8596% | 2,685 |
| Total domestic deposits to total assets | 90.5000% | 981 |
| Equity capital to assets | 7.6336% | 3,486 |
| Core capital (leverage) ratio | 9.1266% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8825% | 1,175 |
| Memoranda: | ||
| Average total assets | $1,172,353,500 | 880 |
| Average earning assets | $1,101,628,000 | 862 |
| Average equity | $86,821,500 | 1,062 |
| Average total loans | $746,493,000 | 916 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6635% | 2,631 |
| Cost of funding earning assets | 0.3529% | 2,453 |
| Net interest margin | 3.3105% | 2,537 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.0293% | 3,504 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3838% | 1,170 |
| Return on assets (ROA) | 1.3819% | 1,131 |
| Pretax return on assets | 1.6620% | 1,013 |
| Return on Equity (ROE) | 18.2300% | 669 |
| Retained earnings to average equity (ytd only) | 12.9919% | 515 |
| Net charge-offs to loans | 0.0069% | 2,149 |
| Credit loss provision to net charge-offs | 326.5306% | 875 |
| Earnings coverage of net charge-offs (x) | 387.9796% | 397 |
| Efficiency ratio | 54.7325% | 3,720 |
| Assets per employee ($millions) | 7.6419% | 1,520 |
| Cash dividends to net income (ytd only)* | 28.7485% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 3,776 |
| Loan loss allowance to noncurrent loans | 2,045.1220% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 3,542 |
| Noncurrent loans to loans | 0.0439% | 3,447 |
| Net loans and leases to total assets | 62.9200% | 2,340 |
| Net loans and leases to deposits | 69.2977% | 2,641 |
| Net loans and leases to core deposits | 72.3553% | 2,699 |
| Total domestic deposits to total assets | 90.7900% | 1,026 |
| Equity capital to assets | 7.1796% | 3,564 |
| Core capital (leverage) ratio | 8.8991% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2768% | 1,298 |
| Memoranda: | ||
| Average total assets | $1,132,701,600 | 883 |
| Average earning assets | $1,067,859,600 | 868 |
| Average equity | $85,845,600 | 1,070 |
| Average total loans | $711,992,600 | 891 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5165% | 2,566 |
| Cost of funding earning assets | 0.2027% | 3,236 |
| Net interest margin | 3.3138% | 2,256 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.0416% | 3,374 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.4018% | 1,089 |
| Return on assets (ROA) | 1.3976% | 1,071 |
| Pretax return on assets | 1.6907% | 919 |
| Return on Equity (ROE) | 18.1900% | 619 |
| Retained earnings to average equity (ytd only) | 11.2269% | 990 |
| Net charge-offs to loans | 0.0070% | 1,891 |
| Credit loss provision to net charge-offs | 432.4324% | 672 |
| Earnings coverage of net charge-offs (x) | 389.8649% | 393 |
| Efficiency ratio | 54.3513% | 3,791 |
| Assets per employee ($millions) | 7.2789% | 1,767 |
| Cash dividends to net income (ytd only)* | 38.2803% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 3,797 |
| Loan loss allowance to noncurrent loans | 1,647.3039% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 3,558 |
| Noncurrent loans to loans | 0.0558% | 3,480 |
| Net loans and leases to total assets | 62.9500% | 2,198 |
| Net loans and leases to deposits | 68.4468% | 2,500 |
| Net loans and leases to core deposits | 71.0130% | 2,567 |
| Total domestic deposits to total assets | 91.9600% | 892 |
| Equity capital to assets | 6.8005% | 3,616 |
| Core capital (leverage) ratio | 8.8018% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2182% | 1,361 |
| Memoranda: | ||
| Average total assets | $1,121,664,750 | 896 |
| Average earning assets | $1,057,811,000 | 879 |
| Average equity | $86,183,750 | 1,082 |
| Average total loans | $703,200,750 | 900 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4026% | 2,427 |
| Cost of funding earning assets | 0.1269% | 3,881 |
| Net interest margin | 3.2757% | 1,978 |
| Noninterest income to average assets | 0.6213% | 1,648 |
| Noninterest expense to average assets | 2.0299% | 3,351 |
| Loan and lease loss provision to assets | 0.0180% | 2,281 |
| Net operating income to assets | 1.3807% | 953 |
| Return on assets (ROA) | 1.3807% | 932 |
| Pretax return on assets | 1.6653% | 812 |
| Return on Equity (ROE) | 17.2847% | 537 |
| Retained earnings to average equity (ytd only) | 10.5311% | 892 |
| Net charge-offs to loans | 0.0052% | 1,824 |
| Credit loss provision to net charge-offs | 555.5556% | 601 |
| Earnings coverage of net charge-offs (x) | 520.0556% | 249 |
| Efficiency ratio | 54.6661% | 3,898 |
| Assets per employee ($millions) | 7.3328% | 1,710 |
| Cash dividends to net income (ytd only)* | 39.0727% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,840 |
| Loan loss allowance to noncurrent loans | 2,510.9023% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 3,768 |
| Noncurrent loans to loans | 0.0374% | 3,668 |
| Net loans and leases to total assets | 61.6327% | 2,164 |
| Net loans and leases to deposits | 67.2748% | 2,446 |
| Net loans and leases to core deposits | 69.6517% | 2,510 |
| Total domestic deposits to total assets | 91.6133% | 1,000 |
| Equity capital to assets | 7.1585% | 3,685 |
| Core capital (leverage) ratio | 8.7196% | 3,736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0517% | 1,425 |
| Memoranda: | ||
| Average total assets | $1,112,199,333 | 897 |
| Average earning assets | $1,049,787,333 | 886 |
| Average equity | $88,841,667 | 1,064 |
| Average total loans | $694,056,000 | 896 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3334% | 2,284 |
| Cost of funding earning assets | 0.1027% | 4,101 |
| Net interest margin | 3.2308% | 1,782 |
| Noninterest income to average assets | 0.6173% | 1,618 |
| Noninterest expense to average assets | 2.0464% | 3,311 |
| Loan and lease loss provision to assets | 0.0146% | 2,090 |
| Net operating income to assets | 1.3310% | 935 |
| Return on assets (ROA) | 1.3310% | 927 |
| Pretax return on assets | 1.6101% | 812 |
| Return on Equity (ROE) | 15.8061% | 553 |
| Retained earnings to average equity (ytd only) | 11.4733% | 690 |
| Net charge-offs to loans | 0.0111% | 1,355 |
| Credit loss provision to net charge-offs | 210.5263% | 761 |
| Earnings coverage of net charge-offs (x) | 234.3684% | 389 |
| Efficiency ratio | 55.7444% | 3,900 |
| Assets per employee ($millions) | 7.0566% | 1,955 |
| Cash dividends to net income (ytd only)* | 27.4123% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9487% | 3,907 |
| Loan loss allowance to noncurrent loans | 2,967.7130% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,845 |
| Noncurrent loans to loans | 0.0320% | 3,756 |
| Net loans and leases to total assets | 62.7703% | 1,767 |
| Net loans and leases to deposits | 68.9943% | 2,050 |
| Net loans and leases to core deposits | 70.8131% | 2,224 |
| Total domestic deposits to total assets | 90.9790% | 1,047 |
| Equity capital to assets | 7.8153% | 3,718 |
| Core capital (leverage) ratio | 8.9455% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0321% | 1,505 |
| Memoranda: | ||
| Average total assets | $1,096,342,500 | 910 |
| Average earning assets | $1,036,285,000 | 898 |
| Average equity | $92,319,000 | 1,057 |
| Average total loans | $685,232,500 | 897 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 2,834 |
| Cost of funding earning assets | 0.1437% | 4,029 |
| Net interest margin | 3.2942% | 2,327 |
| Noninterest income to average assets | 0.7154% | 1,711 |
| Noninterest expense to average assets | 2.1654% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3951% | 1,291 |
| Return on assets (ROA) | 1.4067% | 1,318 |
| Pretax return on assets | 1.6899% | 1,175 |
| Return on Equity (ROE) | 15.6049% | 820 |
| Retained earnings to average equity (ytd only) | 11.3709% | 639 |
| Net charge-offs to loans | 0.0050% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 532.1515% | 262 |
| Efficiency ratio | 56.3702% | 3,660 |
| Assets per employee ($millions) | 6.8670% | 2,021 |
| Cash dividends to net income (ytd only)* | 27.1321% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 3,824 |
| Loan loss allowance to noncurrent loans | 2,772.2689% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 3,913 |
| Noncurrent loans to loans | 0.0354% | 3,824 |
| Net loans and leases to total assets | 61.0204% | 2,055 |
| Net loans and leases to deposits | 67.9373% | 2,316 |
| Net loans and leases to core deposits | 69.6260% | 2,489 |
| Total domestic deposits to total assets | 89.8188% | 1,052 |
| Equity capital to assets | 9.0309% | 3,590 |
| Core capital (leverage) ratio | 8.7346% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1709% | 1,460 |
| Memoranda: | ||
| Average total assets | $1,047,806,400 | 928 |
| Average earning assets | $994,299,400 | 911 |
| Average equity | $94,451,400 | 1,059 |
| Average total loans | $653,686,800 | 933 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 2,901 |
| Cost of funding earning assets | 0.1545% | 4,072 |
| Net interest margin | 3.3254% | 2,345 |
| Noninterest income to average assets | 0.7340% | 1,715 |
| Noninterest expense to average assets | 2.1783% | 3,145 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4116% | 1,505 |
| Return on assets (ROA) | 1.4272% | 1,520 |
| Pretax return on assets | 1.7293% | 1,337 |
| Return on Equity (ROE) | 15.8403% | 984 |
| Retained earnings to average equity (ytd only) | 11.5570% | 927 |
| Net charge-offs to loans | 0.0041% | 2,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 665.0500% | 240 |
| Efficiency ratio | 56.0152% | 3,530 |
| Assets per employee ($millions) | 6.8097% | 2,010 |
| Cash dividends to net income (ytd only)* | 27.0409% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,683 |
| Loan loss allowance to noncurrent loans | 1,648.6284% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 3,906 |
| Noncurrent loans to loans | 0.0635% | 3,781 |
| Net loans and leases to total assets | 58.4776% | 2,429 |
| Net loans and leases to deposits | 65.7807% | 2,649 |
| Net loans and leases to core deposits | 67.4389% | 2,822 |
| Total domestic deposits to total assets | 88.8977% | 1,344 |
| Equity capital to assets | 9.0132% | 3,820 |
| Core capital (leverage) ratio | 8.6746% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7643% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,036,795,250 | 946 |
| Average earning assets | $983,602,750 | 929 |
| Average equity | $93,413,250 | 1,081 |
| Average total loans | $648,896,000 | 951 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 2,970 |
| Cost of funding earning assets | 0.1605% | 4,118 |
| Net interest margin | 3.3113% | 2,407 |
| Noninterest income to average assets | 0.6834% | 1,878 |
| Noninterest expense to average assets | 2.1721% | 3,181 |
| Loan and lease loss provision to assets | 0.0109% | 2,720 |
| Net operating income to assets | 1.3507% | 1,704 |
| Return on assets (ROA) | 1.4148% | 1,593 |
| Pretax return on assets | 1.7198% | 1,433 |
| Return on Equity (ROE) | 15.7048% | 1,017 |
| Retained earnings to average equity (ytd only) | 11.3772% | 1,037 |
| Net charge-offs to loans | -0.0006% | 3,053 |
| Credit loss provision to net charge-offs | -2,800.0000% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7912% | 3,434 |
| Assets per employee ($millions) | 6.6695% | 2,041 |
| Cash dividends to net income (ytd only)* | 27.5558% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 3,569 |
| Loan loss allowance to noncurrent loans | 1,203.0576% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,896 |
| Noncurrent loans to loans | 0.0885% | 3,739 |
| Net loans and leases to total assets | 58.2523% | 2,641 |
| Net loans and leases to deposits | 67.0285% | 2,714 |
| Net loans and leases to core deposits | 68.7008% | 2,895 |
| Total domestic deposits to total assets | 86.9067% | 2,376 |
| Equity capital to assets | 8.8782% | 3,912 |
| Core capital (leverage) ratio | 8.5893% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1009% | 1,314 |
| Memoranda: | ||
| Average total assets | $1,026,021,667 | 948 |
| Average earning assets | $973,336,000 | 929 |
| Average equity | $92,430,333 | 1,085 |
| Average total loans | $654,593,333 | 949 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 2,373 |
| Cost of funding earning assets | 0.1682% | 4,179 |
| Net interest margin | 3.5259% | 1,760 |
| Noninterest income to average assets | 0.6477% | 2,035 |
| Noninterest expense to average assets | 2.1518% | 3,267 |
| Loan and lease loss provision to assets | 0.0223% | 2,494 |
| Net operating income to assets | 1.4955% | 1,345 |
| Return on assets (ROA) | 1.4958% | 1,406 |
| Pretax return on assets | 1.8189% | 1,256 |
| Return on Equity (ROE) | 16.4778% | 932 |
| Retained earnings to average equity (ytd only) | 16.4778% | 468 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8960% | 3,796 |
| Assets per employee ($millions) | 6.6631% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,704 |
| Loan loss allowance to noncurrent loans | 3,277.9412% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 4,230 |
| Noncurrent loans to loans | 0.0316% | 4,125 |
| Net loans and leases to total assets | 62.6053% | 2,218 |
| Net loans and leases to deposits | 72.3509% | 2,276 |
| Net loans and leases to core deposits | 74.5217% | 2,464 |
| Total domestic deposits to total assets | 86.5300% | 2,513 |
| Equity capital to assets | 9.0568% | 3,626 |
| Core capital (leverage) ratio | 8.9785% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5007% | 1,429 |
| Memoranda: | ||
| Average total assets | $1,005,469,000 | 950 |
| Average earning assets | $953,855,500 | 930 |
| Average equity | $91,274,500 | 1,091 |
| Average total loans | $667,732,500 | 927 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0989% | 2,428 |
| Cost of funding earning assets | 0.3788% | 3,716 |
| Net interest margin | 3.7201% | 1,732 |
| Noninterest income to average assets | 0.6595% | 1,987 |
| Noninterest expense to average assets | 2.3065% | 3,385 |
| Loan and lease loss provision to assets | 0.0420% | 3,874 |
| Net operating income to assets | 1.5014% | 806 |
| Return on assets (ROA) | 1.5031% | 879 |
| Pretax return on assets | 1.8218% | 654 |
| Return on Equity (ROE) | 16.4016% | 462 |
| Retained earnings to average equity (ytd only) | 10.3774% | 518 |
| Net charge-offs to loans | -0.0113% | 4,285 |
| Credit loss provision to net charge-offs | -513.5135% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2554% | 4,071 |
| Assets per employee ($millions) | 6.1968% | 2,170 |
| Cash dividends to net income (ytd only)* | 36.7296% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 4,000 |
| Loan loss allowance to noncurrent loans | 2,302.4306% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,172 |
| Noncurrent loans to loans | 0.0417% | 4,129 |
| Net loans and leases to total assets | 68.9789% | 1,691 |
| Net loans and leases to deposits | 79.7857% | 1,889 |
| Net loans and leases to core deposits | 82.2253% | 2,176 |
| Total domestic deposits to total assets | 86.4553% | 2,169 |
| Equity capital to assets | 9.0994% | 3,973 |
| Core capital (leverage) ratio | 8.5700% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0805% | 1,825 |
| Memoranda: | ||
| Average total assets | $905,685,200 | 962 |
| Average earning assets | $854,257,200 | 946 |
| Average equity | $82,998,000 | 1,119 |
| Average total loans | $652,683,600 | 913 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 2,543 |
| Cost of funding earning assets | 0.4208% | 3,699 |
| Net interest margin | 3.7221% | 1,873 |
| Noninterest income to average assets | 0.6528% | 1,978 |
| Noninterest expense to average assets | 2.2634% | 3,516 |
| Loan and lease loss provision to assets | 0.0573% | 3,637 |
| Net operating income to assets | 1.5175% | 873 |
| Return on assets (ROA) | 1.5175% | 947 |
| Pretax return on assets | 1.8388% | 729 |
| Return on Equity (ROE) | 16.5265% | 490 |
| Retained earnings to average equity (ytd only) | 8.3158% | 1,204 |
| Net charge-offs to loans | -0.0131% | 4,294 |
| Credit loss provision to net charge-offs | -603.1746% | 3,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3174% | 4,116 |
| Assets per employee ($millions) | 6.0335% | 2,236 |
| Cash dividends to net income (ytd only)* | 49.6820% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,799 |
| Loan loss allowance to noncurrent loans | 1,553.7559% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 4,163 |
| Noncurrent loans to loans | 0.0628% | 4,119 |
| Net loans and leases to total assets | 70.9004% | 1,832 |
| Net loans and leases to deposits | 83.3113% | 1,978 |
| Net loans and leases to core deposits | 87.5778% | 2,181 |
| Total domestic deposits to total assets | 85.1029% | 2,394 |
| Equity capital to assets | 9.0895% | 4,042 |
| Core capital (leverage) ratio | 8.6838% | 4,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8792% | 1,866 |
| Memoranda: | ||
| Average total assets | $884,235,500 | 968 |
| Average earning assets | $833,091,000 | 951 |
| Average equity | $81,192,750 | 1,128 |
| Average total loans | $643,218,000 | 922 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,685 |
| Cost of funding earning assets | 0.4821% | 3,644 |
| Net interest margin | 3.7400% | 2,026 |
| Noninterest income to average assets | 0.6272% | 2,024 |
| Noninterest expense to average assets | 2.3458% | 3,410 |
| Loan and lease loss provision to assets | 0.0700% | 3,417 |
| Net operating income to assets | 1.4344% | 1,045 |
| Return on assets (ROA) | 1.4344% | 1,134 |
| Pretax return on assets | 1.7254% | 944 |
| Return on Equity (ROE) | 15.5637% | 627 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,398 |
| Net charge-offs to loans | -0.0114% | 4,235 |
| Credit loss provision to net charge-offs | -838.8889% | 3,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5458% | 3,881 |
| Assets per employee ($millions) | 5.8162% | 2,357 |
| Cash dividends to net income (ytd only)* | 80.7785% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 3,664 |
| Loan loss allowance to noncurrent loans | 1,501.1521% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,288 |
| Noncurrent loans to loans | 0.0654% | 4,215 |
| Net loans and leases to total assets | 70.1953% | 2,001 |
| Net loans and leases to deposits | 82.0855% | 2,199 |
| Net loans and leases to core deposits | 86.4357% | 2,401 |
| Total domestic deposits to total assets | 85.5149% | 2,196 |
| Equity capital to assets | 8.7654% | 4,297 |
| Core capital (leverage) ratio | 8.6981% | 4,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7125% | 1,923 |
| Memoranda: | ||
| Average total assets | $863,227,667 | 973 |
| Average earning assets | $811,067,000 | 960 |
| Average equity | $79,556,667 | 1,145 |
| Average total loans | $631,547,667 | 925 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4730% | 2,382 |
| Cost of funding earning assets | 0.6021% | 3,425 |
| Net interest margin | 3.8710% | 1,754 |
| Noninterest income to average assets | 0.6949% | 1,673 |
| Noninterest expense to average assets | 2.4659% | 3,373 |
| Loan and lease loss provision to assets | 0.1210% | 2,183 |
| Net operating income to assets | 1.4531% | 875 |
| Return on assets (ROA) | 1.4531% | 946 |
| Pretax return on assets | 1.7386% | 799 |
| Return on Equity (ROE) | 15.3420% | 510 |
| Retained earnings to average equity (ytd only) | -10.2075% | 4,772 |
| Net charge-offs to loans | -0.0188% | 4,315 |
| Credit loss provision to net charge-offs | -862.0690% | 3,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9079% | 4,122 |
| Assets per employee ($millions) | 5.0428% | 2,605 |
| Cash dividends to net income (ytd only)* | 166.5335% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0757% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,447.7578% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 4,304 |
| Noncurrent loans to loans | 0.0743% | 4,222 |
| Net loans and leases to total assets | 72.6887% | 1,826 |
| Net loans and leases to deposits | 86.5815% | 1,921 |
| Net loans and leases to core deposits | 91.0615% | 2,244 |
| Total domestic deposits to total assets | 83.9540% | 2,804 |
| Equity capital to assets | 9.4842% | 4,236 |
| Core capital (leverage) ratio | 8.9634% | 4,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3888% | 1,786 |
| Memoranda: | ||
| Average total assets | $826,636,500 | 980 |
| Average earning assets | $775,311,500 | 967 |
| Average equity | $78,295,000 | 1,159 |
| Average total loans | $615,406,000 | 925 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 2,532 |
| Cost of funding earning assets | 0.6484% | 3,419 |
| Net interest margin | 3.9773% | 1,918 |
| Noninterest income to average assets | 0.7517% | 1,623 |
| Noninterest expense to average assets | 2.5296% | 3,372 |
| Loan and lease loss provision to assets | 0.0302% | 3,412 |
| Net operating income to assets | 1.5880% | 860 |
| Return on assets (ROA) | 1.5913% | 906 |
| Pretax return on assets | 1.9153% | 722 |
| Return on Equity (ROE) | 16.9646% | 425 |
| Retained earnings to average equity (ytd only) | 12.5665% | 199 |
| Net charge-offs to loans | -0.0477% | 4,813 |
| Credit loss provision to net charge-offs | -85.6115% | 4,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3877% | 4,158 |
| Assets per employee ($millions) | 5.1946% | 2,347 |
| Cash dividends to net income (ytd only)* | 25.9253% | 3,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 3,611 |
| Loan loss allowance to noncurrent loans | 732.7402% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 4,119 |
| Noncurrent loans to loans | 0.1337% | 3,985 |
| Net loans and leases to total assets | 74.6539% | 1,638 |
| Net loans and leases to deposits | 88.5531% | 1,763 |
| Net loans and leases to core deposits | 93.1173% | 2,146 |
| Total domestic deposits to total assets | 84.3041% | 2,750 |
| Equity capital to assets | 9.4592% | 4,381 |
| Core capital (leverage) ratio | 9.2736% | 4,307 |
| Tier 1 risk-based capital ratio | 13.6610% | 3,431 |
| Total risk-based capital ratio | 14.7869% | 3,401 |
| Memoranda: | ||
| Average total assets | $787,796,400 | 986 |
| Average earning assets | $736,729,200 | 974 |
| Average equity | $73,895,000 | 1,165 |
| Average total loans | $583,026,000 | 932 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,549 |
| Cost of funding earning assets | 0.6482% | 3,459 |
| Net interest margin | 4.0054% | 1,915 |
| Noninterest income to average assets | 0.7470% | 1,603 |
| Noninterest expense to average assets | 2.5620% | 3,273 |
| Loan and lease loss provision to assets | 0.0409% | 3,086 |
| Net operating income to assets | 1.5711% | 990 |
| Return on assets (ROA) | 1.5756% | 1,042 |
| Pretax return on assets | 1.8894% | 889 |
| Return on Equity (ROE) | 16.8354% | 497 |
| Retained earnings to average equity (ytd only) | 13.6211% | 225 |
| Net charge-offs to loans | -0.0266% | 4,663 |
| Credit loss provision to net charge-offs | -208.7719% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8917% | 4,075 |
| Assets per employee ($millions) | 5.0399% | 2,508 |
| Cash dividends to net income (ytd only)* | 19.0923% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0270% | 3,410 |
| Loan loss allowance to noncurrent loans | 567.2642% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 4,039 |
| Noncurrent loans to loans | 0.1811% | 3,885 |
| Net loans and leases to total assets | 73.7019% | 1,871 |
| Net loans and leases to deposits | 88.4798% | 1,868 |
| Net loans and leases to core deposits | 93.2301% | 2,242 |
| Total domestic deposits to total assets | 83.2980% | 3,065 |
| Equity capital to assets | 9.8544% | 4,155 |
| Core capital (leverage) ratio | 9.4389% | 4,233 |
| Tier 1 risk-based capital ratio | 14.4100% | 3,133 |
| Total risk-based capital ratio | 15.5964% | 3,063 |
| Memoranda: | ||
| Average total assets | $775,662,250 | 999 |
| Average earning assets | $724,276,000 | 987 |
| Average equity | $72,591,250 | 1,182 |
| Average total loans | $571,149,500 | 951 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 2,682 |
| Cost of funding earning assets | 0.6300% | 3,508 |
| Net interest margin | 3.9684% | 2,021 |
| Noninterest income to average assets | 0.7113% | 1,672 |
| Noninterest expense to average assets | 2.5469% | 3,336 |
| Loan and lease loss provision to assets | 0.0565% | 2,694 |
| Net operating income to assets | 1.5216% | 1,089 |
| Return on assets (ROA) | 1.5274% | 1,118 |
| Pretax return on assets | 1.8284% | 972 |
| Return on Equity (ROE) | 16.6200% | 507 |
| Retained earnings to average equity (ytd only) | 13.8016% | 237 |
| Net charge-offs to loans | -0.0745% | 4,942 |
| Credit loss provision to net charge-offs | -103.3175% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3494% | 4,088 |
| Assets per employee ($millions) | 4.9804% | 2,502 |
| Cash dividends to net income (ytd only)* | 16.9578% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0627% | 3,272 |
| Loan loss allowance to noncurrent loans | 581.1069% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 4,097 |
| Noncurrent loans to loans | 0.1829% | 3,903 |
| Net loans and leases to total assets | 71.1518% | 2,349 |
| Net loans and leases to deposits | 84.6912% | 2,408 |
| Net loans and leases to core deposits | 88.8151% | 2,722 |
| Total domestic deposits to total assets | 84.0132% | 2,854 |
| Equity capital to assets | 9.3205% | 4,558 |
| Core capital (leverage) ratio | 9.1807% | 4,485 |
| Tier 1 risk-based capital ratio | 14.1447% | 3,244 |
| Total risk-based capital ratio | 15.3672% | 3,174 |
| Memoranda: | ||
| Average total assets | $772,144,000 | 1,003 |
| Average earning assets | $722,566,000 | 995 |
| Average equity | $70,962,670 | 1,198 |
| Average total loans | $566,376,000 | 951 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 2,564 |
| Cost of funding earning assets | 0.6071% | 3,532 |
| Net interest margin | 3.9828% | 1,900 |
| Noninterest income to average assets | 0.6907% | 1,644 |
| Noninterest expense to average assets | 2.6044% | 3,204 |
| Loan and lease loss provision to assets | 0.0579% | 2,500 |
| Net operating income to assets | 1.4750% | 1,165 |
| Return on assets (ROA) | 1.4852% | 1,169 |
| Pretax return on assets | 1.7637% | 1,065 |
| Return on Equity (ROE) | 16.2808% | 560 |
| Retained earnings to average equity (ytd only) | 16.2808% | 213 |
| Net charge-offs to loans | -0.1705% | 5,146 |
| Credit loss provision to net charge-offs | -45.8333% | 3,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7906% | 3,980 |
| Assets per employee ($millions) | 4.8450% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,383 |
| Loan loss allowance to noncurrent loans | 851.4164% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 4,327 |
| Noncurrent loans to loans | 0.1240% | 4,185 |
| Net loans and leases to total assets | 74.0866% | 1,786 |
| Net loans and leases to deposits | 88.6117% | 1,789 |
| Net loans and leases to core deposits | 93.4232% | 2,178 |
| Total domestic deposits to total assets | 83.6081% | 3,178 |
| Equity capital to assets | 9.3582% | 4,377 |
| Core capital (leverage) ratio | 9.2204% | 4,448 |
| Tier 1 risk-based capital ratio | 13.7229% | 3,483 |
| Total risk-based capital ratio | 14.9301% | 3,414 |
| Memoranda: | ||
| Average total assets | $759,787,000 | 1,014 |
| Average earning assets | $710,258,000 | 1,005 |
| Average equity | $69,308,500 | 1,216 |
| Average total loans | $563,029,500 | 961 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3404% | 2,961 |
| Cost of funding earning assets | 0.4697% | 3,554 |
| Net interest margin | 3.8706% | 2,427 |
| Noninterest income to average assets | 0.7942% | 1,467 |
| Noninterest expense to average assets | 2.9739% | 2,118 |
| Loan and lease loss provision to assets | 0.0699% | 2,738 |
| Net operating income to assets | 1.2061% | 2,141 |
| Return on assets (ROA) | 1.2026% | 2,154 |
| Pretax return on assets | 1.3556% | 2,295 |
| Return on Equity (ROE) | 13.5305% | 1,163 |
| Retained earnings to average equity (ytd only) | 8.7787% | 943 |
| Net charge-offs to loans | 0.0289% | 2,823 |
| Credit loss provision to net charge-offs | 335.2941% | 928 |
| Earnings coverage of net charge-offs (x) | 68.5752% | 947 |
| Efficiency ratio | 67.2215% | 2,673 |
| Assets per employee ($millions) | 4.7730% | 2,785 |
| Cash dividends to net income (ytd only)* | 35.1195% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,578 |
| Loan loss allowance to noncurrent loans | 594.5378% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,176 |
| Noncurrent loans to loans | 0.1711% | 3,981 |
| Net loans and leases to total assets | 72.5828% | 2,159 |
| Net loans and leases to deposits | 86.0408% | 2,267 |
| Net loans and leases to core deposits | 89.9590% | 2,578 |
| Total domestic deposits to total assets | 84.3586% | 2,885 |
| Equity capital to assets | 8.8855% | 4,672 |
| Core capital (leverage) ratio | 8.8988% | 4,738 |
| Tier 1 risk-based capital ratio | 13.3329% | 3,644 |
| Total risk-based capital ratio | 14.4864% | 3,589 |
| Memoranda: | ||
| Average total assets | $733,991,400 | 1,011 |
| Average earning assets | $684,411,000 | 1,009 |
| Average equity | $65,237,600 | 1,232 |
| Average total loans | $530,190,800 | 986 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 3,057 |
| Cost of funding earning assets | 0.4468% | 3,540 |
| Net interest margin | 3.8285% | 2,536 |
| Noninterest income to average assets | 0.7969% | 1,483 |
| Noninterest expense to average assets | 2.5966% | 3,288 |
| Loan and lease loss provision to assets | 0.0867% | 2,241 |
| Net operating income to assets | 1.4047% | 1,469 |
| Return on assets (ROA) | 1.4052% | 1,465 |
| Pretax return on assets | 1.6822% | 1,321 |
| Return on Equity (ROE) | 15.8086% | 725 |
| Retained earnings to average equity (ytd only) | 13.5414% | 299 |
| Net charge-offs to loans | 0.0145% | 2,901 |
| Credit loss provision to net charge-offs | 829.8246% | 475 |
| Earnings coverage of net charge-offs (x) | 169.3291% | 491 |
| Efficiency ratio | 59.1480% | 3,943 |
| Assets per employee ($millions) | 4.4609% | 3,181 |
| Cash dividends to net income (ytd only)* | 14.3416% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,465 |
| Loan loss allowance to noncurrent loans | 802.9494% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 4,392 |
| Noncurrent loans to loans | 0.1307% | 4,294 |
| Net loans and leases to total assets | 75.9869% | 1,663 |
| Net loans and leases to deposits | 91.4486% | 1,697 |
| Net loans and leases to core deposits | 96.2372% | 2,094 |
| Total domestic deposits to total assets | 83.0924% | 3,272 |
| Equity capital to assets | 9.5048% | 4,077 |
| Core capital (leverage) ratio | 9.3412% | 4,345 |
| Tier 1 risk-based capital ratio | 13.7085% | 3,507 |
| Total risk-based capital ratio | 14.8918% | 3,461 |
| Memoranda: | ||
| Average total assets | $727,761,500 | 1,023 |
| Average earning assets | $678,227,750 | 1,017 |
| Average equity | $64,688,750 | 1,239 |
| Average total loans | $523,613,750 | 996 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1328% | 3,340 |
| Cost of funding earning assets | 0.4206% | 3,569 |
| Net interest margin | 3.7122% | 2,880 |
| Noninterest income to average assets | 0.7805% | 1,535 |
| Noninterest expense to average assets | 2.5439% | 3,503 |
| Loan and lease loss provision to assets | 0.0910% | 2,107 |
| Net operating income to assets | 1.3447% | 1,620 |
| Return on assets (ROA) | 1.3454% | 1,623 |
| Pretax return on assets | 1.6124% | 1,462 |
| Return on Equity (ROE) | 15.4815% | 759 |
| Retained earnings to average equity (ytd only) | 15.4815% | 179 |
| Net charge-offs to loans | 0.0225% | 2,428 |
| Credit loss provision to net charge-offs | 575.8621% | 648 |
| Earnings coverage of net charge-offs (x) | 107.7241% | 663 |
| Efficiency ratio | 59.5585% | 3,999 |
| Assets per employee ($millions) | 4.6531% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,472 |
| Loan loss allowance to noncurrent loans | 804.7619% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 4,509 |
| Noncurrent loans to loans | 0.1319% | 4,313 |
| Net loans and leases to total assets | 68.1158% | 2,849 |
| Net loans and leases to deposits | 80.4453% | 2,900 |
| Net loans and leases to core deposits | 84.0655% | 3,076 |
| Total domestic deposits to total assets | 84.6735% | 2,810 |
| Equity capital to assets | 8.6490% | 4,844 |
| Core capital (leverage) ratio | 9.1223% | 4,555 |
| Tier 1 risk-based capital ratio | 13.8843% | 3,414 |
| Total risk-based capital ratio | 15.0839% | 3,355 |
| Memoranda: | ||
| Average total assets | $733,918,330 | 1,015 |
| Average earning assets | $685,251,330 | 1,011 |
| Average equity | $63,779,330 | 1,254 |
| Average total loans | $516,590,000 | 1,014 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,135 |
| Cost of funding earning assets | 0.3987% | 3,599 |
| Net interest margin | 3.7300% | 2,691 |
| Noninterest income to average assets | 0.7479% | 1,632 |
| Noninterest expense to average assets | 2.5446% | 3,519 |
| Loan and lease loss provision to assets | 0.0856% | 2,087 |
| Net operating income to assets | 1.3157% | 1,593 |
| Return on assets (ROA) | 1.3157% | 1,600 |
| Pretax return on assets | 1.5926% | 1,413 |
| Return on Equity (ROE) | 15.1017% | 788 |
| Retained earnings to average equity (ytd only) | 15.1017% | 320 |
| Net charge-offs to loans | 0.0187% | 2,129 |
| Credit loss provision to net charge-offs | 641.6667% | 497 |
| Earnings coverage of net charge-offs (x) | 125.7500% | 511 |
| Efficiency ratio | 59.9026% | 4,080 |
| Assets per employee ($millions) | 4.4698% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,645 |
| Loan loss allowance to noncurrent loans | 544.2886% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,187 |
| Noncurrent loans to loans | 0.1933% | 4,097 |
| Net loans and leases to total assets | 72.3415% | 2,116 |
| Net loans and leases to deposits | 87.1582% | 2,032 |
| Net loans and leases to core deposits | 93.0052% | 2,211 |
| Total domestic deposits to total assets | 83.0003% | 3,667 |
| Equity capital to assets | 8.9943% | 4,561 |
| Core capital (leverage) ratio | 9.0763% | 4,597 |
| Tier 1 risk-based capital ratio | 13.3985% | 3,721 |
| Total risk-based capital ratio | 14.5736% | 3,674 |
| Memoranda: | ||
| Average total assets | $719,323,500 | 1,046 |
| Average earning assets | $670,135,000 | 1,039 |
| Average equity | $62,668,500 | 1,280 |
| Average total loans | $512,198,000 | 1,028 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,084 |
| Cost of funding earning assets | 0.3001% | 4,140 |
| Net interest margin | 3.7921% | 2,454 |
| Noninterest income to average assets | 0.8020% | 1,559 |
| Noninterest expense to average assets | 2.6853% | 3,177 |
| Loan and lease loss provision to assets | 0.0677% | 2,850 |
| Net operating income to assets | 1.0235% | 2,142 |
| Return on assets (ROA) | 1.0272% | 2,160 |
| Pretax return on assets | 1.5611% | 1,416 |
| Return on Equity (ROE) | 11.2309% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.8958% | 2,868 |
| Net charge-offs to loans | 0.0545% | 2,715 |
| Credit loss provision to net charge-offs | 175.2896% | 1,549 |
| Earnings coverage of net charge-offs (x) | 42.0347% | 1,218 |
| Efficiency ratio | 61.8486% | 3,962 |
| Assets per employee ($millions) | 4.7559% | 2,794 |
| Cash dividends to net income (ytd only)* | 65.3120% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0434% | 3,665 |
| Loan loss allowance to noncurrent loans | 436.6557% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 4,253 |
| Noncurrent loans to loans | 0.2389% | 3,946 |
| Net loans and leases to total assets | 68.6447% | 2,735 |
| Net loans and leases to deposits | 81.1440% | 2,800 |
| Net loans and leases to core deposits | 83.0687% | 3,147 |
| Total domestic deposits to total assets | 84.5961% | 2,995 |
| Equity capital to assets | 8.4401% | 5,163 |
| Core capital (leverage) ratio | 8.7405% | 4,914 |
| Tier 1 risk-based capital ratio | 13.0613% | 3,875 |
| Total risk-based capital ratio | 14.2246% | 3,821 |
| Memoranda: | ||
| Average total assets | $670,724,000 | 1,090 |
| Average earning assets | $620,210,800 | 1,087 |
| Average equity | $61,348,800 | 1,288 |
| Average total loans | $474,940,200 | 1,079 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1085% | 2,963 |
| Cost of funding earning assets | 0.2825% | 4,294 |
| Net interest margin | 3.8260% | 2,300 |
| Noninterest income to average assets | 0.8073% | 1,559 |
| Noninterest expense to average assets | 2.7158% | 3,007 |
| Loan and lease loss provision to assets | 0.0405% | 3,302 |
| Net operating income to assets | 1.1493% | 1,883 |
| Return on assets (ROA) | 1.1549% | 1,904 |
| Pretax return on assets | 1.5941% | 1,446 |
| Return on Equity (ROE) | 12.3592% | 1,226 |
| Retained earnings to average equity (ytd only) | 6.9156% | 1,734 |
| Net charge-offs to loans | 0.0300% | 2,830 |
| Credit loss provision to net charge-offs | 189.5238% | 1,402 |
| Earnings coverage of net charge-offs (x) | 76.1505% | 846 |
| Efficiency ratio | 62.0315% | 3,875 |
| Assets per employee ($millions) | 4.1957% | 3,656 |
| Cash dividends to net income (ytd only)* | 44.0451% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,623 |
| Loan loss allowance to noncurrent loans | 385.4707% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 4,207 |
| Noncurrent loans to loans | 0.2794% | 3,949 |
| Net loans and leases to total assets | 73.4521% | 2,013 |
| Net loans and leases to deposits | 88.1898% | 2,032 |
| Net loans and leases to core deposits | 90.6966% | 2,553 |
| Total domestic deposits to total assets | 83.2886% | 3,361 |
| Equity capital to assets | 9.7108% | 4,236 |
| Core capital (leverage) ratio | 9.2775% | 4,430 |
| Tier 1 risk-based capital ratio | 14.0938% | 3,399 |
| Total risk-based capital ratio | 15.3042% | 3,331 |
| Memoranda: | ||
| Average total assets | $655,302,250 | 1,117 |
| Average earning assets | $605,529,000 | 1,111 |
| Average equity | $61,232,000 | 1,296 |
| Average total loans | $466,659,750 | 1,100 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 3,088 |
| Cost of funding earning assets | 0.2560% | 4,491 |
| Net interest margin | 3.7754% | 2,386 |
| Noninterest income to average assets | 0.7830% | 1,630 |
| Noninterest expense to average assets | 2.7110% | 3,057 |
| Loan and lease loss provision to assets | 0.0414% | 3,176 |
| Net operating income to assets | 1.1033% | 1,954 |
| Return on assets (ROA) | 1.1118% | 1,969 |
| Pretax return on assets | 1.5264% | 1,553 |
| Return on Equity (ROE) | 12.0544% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.1032% | 1,544 |
| Net charge-offs to loans | 0.0299% | 2,608 |
| Credit loss provision to net charge-offs | 197.1014% | 1,287 |
| Earnings coverage of net charge-offs (x) | 74.0870% | 813 |
| Efficiency ratio | 63.0163% | 3,823 |
| Assets per employee ($millions) | 4.2911% | 3,448 |
| Cash dividends to net income (ytd only)* | 41.0734% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,568 |
| Loan loss allowance to noncurrent loans | 391.0809% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 4,341 |
| Noncurrent loans to loans | 0.2820% | 4,030 |
| Net loans and leases to total assets | 69.7570% | 2,559 |
| Net loans and leases to deposits | 83.0539% | 2,596 |
| Net loans and leases to core deposits | 85.4011% | 2,936 |
| Total domestic deposits to total assets | 83.9901% | 3,199 |
| Equity capital to assets | 9.3412% | 4,574 |
| Core capital (leverage) ratio | 9.3976% | 4,235 |
| Tier 1 risk-based capital ratio | 14.2102% | 3,305 |
| Total risk-based capital ratio | 15.4463% | 3,233 |
| Memoranda: | ||
| Average total assets | $656,959,670 | 1,111 |
| Average earning assets | $606,298,330 | 1,117 |
| Average equity | $60,592,000 | 1,314 |
| Average total loans | $461,252,670 | 1,110 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,010 |
| Cost of funding earning assets | 0.2462% | 4,568 |
| Net interest margin | 3.7616% | 2,257 |
| Noninterest income to average assets | 0.7940% | 1,575 |
| Noninterest expense to average assets | 2.7386% | 2,995 |
| Loan and lease loss provision to assets | 0.0410% | 2,985 |
| Net operating income to assets | 1.0701% | 1,984 |
| Return on assets (ROA) | 1.0869% | 1,971 |
| Pretax return on assets | 1.5010% | 1,528 |
| Return on Equity (ROE) | 11.8617% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.8469% | 1,909 |
| Net charge-offs to loans | -0.0009% | 3,963 |
| Credit loss provision to net charge-offs | -6,700.0000% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8077% | 3,867 |
| Assets per employee ($millions) | 4.0195% | 3,978 |
| Cash dividends to net income (ytd only)* | 42.2773% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 3,507 |
| Loan loss allowance to noncurrent loans | 378.0131% | 1,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 4,346 |
| Noncurrent loans to loans | 0.2994% | 4,044 |
| Net loans and leases to total assets | 72.1063% | 2,059 |
| Net loans and leases to deposits | 84.8684% | 2,175 |
| Net loans and leases to core deposits | 87.4876% | 2,591 |
| Total domestic deposits to total assets | 84.9626% | 3,105 |
| Equity capital to assets | 9.6480% | 4,129 |
| Core capital (leverage) ratio | 9.3294% | 4,305 |
| Tier 1 risk-based capital ratio | 14.2515% | 3,337 |
| Total risk-based capital ratio | 15.5018% | 3,252 |
| Memoranda: | ||
| Average total assets | $652,879,500 | 1,119 |
| Average earning assets | $601,121,000 | 1,128 |
| Average equity | $59,823,000 | 1,321 |
| Average total loans | $457,308,000 | 1,111 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 2,672 |
| Cost of funding earning assets | 0.2271% | 4,762 |
| Net interest margin | 3.9198% | 1,901 |
| Noninterest income to average assets | 0.8299% | 1,650 |
| Noninterest expense to average assets | 2.8850% | 2,723 |
| Loan and lease loss provision to assets | 0.0586% | 3,217 |
| Net operating income to assets | 1.0853% | 1,955 |
| Return on assets (ROA) | 1.0859% | 2,058 |
| Pretax return on assets | 1.5030% | 1,574 |
| Return on Equity (ROE) | 11.3162% | 1,461 |
| Retained earnings to average equity (ytd only) | 5.5470% | 1,984 |
| Net charge-offs to loans | 0.0698% | 2,696 |
| Credit loss provision to net charge-offs | 115.3846% | 2,278 |
| Earnings coverage of net charge-offs (x) | 30.7308% | 1,411 |
| Efficiency ratio | 64.2562% | 3,894 |
| Assets per employee ($millions) | 4.2420% | 3,542 |
| Cash dividends to net income (ytd only)* | 50.9819% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,617 |
| Loan loss allowance to noncurrent loans | 345.4668% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 4,439 |
| Noncurrent loans to loans | 0.3232% | 3,987 |
| Net loans and leases to total assets | 66.6254% | 2,987 |
| Net loans and leases to deposits | 77.1831% | 3,192 |
| Net loans and leases to core deposits | 78.7071% | 3,510 |
| Total domestic deposits to total assets | 86.3213% | 2,447 |
| Equity capital to assets | 8.7148% | 5,091 |
| Core capital (leverage) ratio | 9.1908% | 4,490 |
| Tier 1 risk-based capital ratio | 14.0012% | 3,463 |
| Total risk-based capital ratio | 15.2499% | 3,373 |
| Memoranda: | ||
| Average total assets | $614,309,600 | 1,141 |
| Average earning assets | $566,686,400 | 1,145 |
| Average equity | $58,951,000 | 1,311 |
| Average total loans | $446,938,400 | 1,095 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,437 |
| Cost of funding earning assets | 0.2252% | 4,833 |
| Net interest margin | 3.9990% | 1,654 |
| Noninterest income to average assets | 0.8432% | 1,601 |
| Noninterest expense to average assets | 2.9363% | 2,513 |
| Loan and lease loss provision to assets | 0.0602% | 3,054 |
| Net operating income to assets | 1.1120% | 1,939 |
| Return on assets (ROA) | 1.1126% | 2,046 |
| Pretax return on assets | 1.5370% | 1,585 |
| Return on Equity (ROE) | 11.2999% | 1,559 |
| Retained earnings to average equity (ytd only) | 7.2232% | 1,514 |
| Net charge-offs to loans | 0.0741% | 2,261 |
| Credit loss provision to net charge-offs | 109.3117% | 2,232 |
| Earnings coverage of net charge-offs (x) | 28.9955% | 1,526 |
| Efficiency ratio | 64.1178% | 3,914 |
| Assets per employee ($millions) | 3.8423% | 4,232 |
| Cash dividends to net income (ytd only)* | 36.0777% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 3,649 |
| Loan loss allowance to noncurrent loans | 357.5651% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 4,488 |
| Noncurrent loans to loans | 0.3173% | 4,115 |
| Net loans and leases to total assets | 74.3509% | 1,810 |
| Net loans and leases to deposits | 86.7487% | 2,179 |
| Net loans and leases to core deposits | 89.5111% | 2,621 |
| Total domestic deposits to total assets | 85.7083% | 2,503 |
| Equity capital to assets | 10.2006% | 3,913 |
| Core capital (leverage) ratio | 9.5444% | 4,126 |
| Tier 1 risk-based capital ratio | 14.2799% | 3,412 |
| Total risk-based capital ratio | 15.5301% | 3,341 |
| Memoranda: | ||
| Average total assets | $598,207,750 | 1,170 |
| Average earning assets | $551,884,000 | 1,169 |
| Average equity | $58,901,500 | 1,321 |
| Average total loans | $444,347,000 | 1,100 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 2,566 |
| Cost of funding earning assets | 0.2240% | 4,898 |
| Net interest margin | 3.9586% | 1,779 |
| Noninterest income to average assets | 0.8256% | 1,625 |
| Noninterest expense to average assets | 2.9208% | 2,611 |
| Loan and lease loss provision to assets | 0.0601% | 2,939 |
| Net operating income to assets | 1.0897% | 1,995 |
| Return on assets (ROA) | 1.0907% | 2,119 |
| Pretax return on assets | 1.5040% | 1,658 |
| Return on Equity (ROE) | 11.2104% | 1,568 |
| Retained earnings to average equity (ytd only) | 7.1099% | 1,548 |
| Net charge-offs to loans | 0.0767% | 2,095 |
| Credit loss provision to net charge-offs | 105.8824% | 2,019 |
| Earnings coverage of net charge-offs (x) | 27.5353% | 1,453 |
| Efficiency ratio | 64.4751% | 3,937 |
| Assets per employee ($millions) | 3.8290% | 4,215 |
| Cash dividends to net income (ytd only)* | 36.5779% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,620 |
| Loan loss allowance to noncurrent loans | 469.2593% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 4,784 |
| Noncurrent loans to loans | 0.2459% | 4,470 |
| Net loans and leases to total assets | 71.7587% | 2,210 |
| Net loans and leases to deposits | 83.3278% | 2,549 |
| Net loans and leases to core deposits | 86.4669% | 2,857 |
| Total domestic deposits to total assets | 86.1162% | 2,361 |
| Equity capital to assets | 9.9268% | 4,311 |
| Core capital (leverage) ratio | 9.2269% | 4,552 |
| Tier 1 risk-based capital ratio | 14.2384% | 3,476 |
| Total risk-based capital ratio | 15.4887% | 3,393 |
| Memoranda: | ||
| Average total assets | $599,089,000 | 1,177 |
| Average earning assets | $553,586,000 | 1,172 |
| Average equity | $58,285,000 | 1,336 |
| Average total loans | $443,166,670 | 1,099 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 2,534 |
| Cost of funding earning assets | 0.2278% | 4,925 |
| Net interest margin | 3.9558% | 1,764 |
| Noninterest income to average assets | 0.8018% | 1,607 |
| Noninterest expense to average assets | 2.9208% | 2,631 |
| Loan and lease loss provision to assets | 0.0604% | 2,740 |
| Net operating income to assets | 1.0729% | 2,002 |
| Return on assets (ROA) | 1.0749% | 2,105 |
| Pretax return on assets | 1.4815% | 1,652 |
| Return on Equity (ROE) | 11.1638% | 1,545 |
| Retained earnings to average equity (ytd only) | 6.9826% | 1,895 |
| Net charge-offs to loans | 0.0485% | 2,069 |
| Credit loss provision to net charge-offs | 166.6667% | 1,201 |
| Earnings coverage of net charge-offs (x) | 42.4815% | 977 |
| Efficiency ratio | 64.8112% | 4,002 |
| Assets per employee ($millions) | 3.8071% | 4,285 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,699 |
| Loan loss allowance to noncurrent loans | 412.4696% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 4,605 |
| Noncurrent loans to loans | 0.2819% | 4,422 |
| Net loans and leases to total assets | 73.3755% | 1,822 |
| Net loans and leases to deposits | 85.4041% | 2,135 |
| Net loans and leases to core deposits | 88.6420% | 2,497 |
| Total domestic deposits to total assets | 85.9157% | 2,704 |
| Equity capital to assets | 9.8452% | 4,279 |
| Core capital (leverage) ratio | 9.4383% | 4,298 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,769 |
| Total risk-based capital ratio | 15.1300% | 3,701 |
| Memoranda: | ||
| Average total assets | $596,143,500 | 1,186 |
| Average earning assets | $551,292,000 | 1,178 |
| Average equity | $57,400,000 | 1,353 |
| Average total loans | $445,153,000 | 1,091 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1298% | 2,812 |
| Cost of funding earning assets | 0.2472% | 4,812 |
| Net interest margin | 3.8826% | 2,088 |
| Noninterest income to average assets | 0.8377% | 1,648 |
| Noninterest expense to average assets | 3.1443% | 2,104 |
| Loan and lease loss provision to assets | 0.0173% | 4,060 |
| Net operating income to assets | 0.9061% | 2,834 |
| Return on assets (ROA) | 0.9108% | 2,890 |
| Pretax return on assets | 1.2581% | 2,440 |
| Return on Equity (ROE) | 9.5399% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.3520% | 2,173 |
| Net charge-offs to loans | 0.0349% | 3,512 |
| Credit loss provision to net charge-offs | 68.4932% | 3,149 |
| Earnings coverage of net charge-offs (x) | 50.1233% | 1,001 |
| Efficiency ratio | 70.4228% | 3,155 |
| Assets per employee ($millions) | 3.9359% | 4,056 |
| Cash dividends to net income (ytd only)* | 43.8987% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,947 |
| Loan loss allowance to noncurrent loans | 447.2149% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 4,779 |
| Noncurrent loans to loans | 0.2501% | 4,534 |
| Net loans and leases to total assets | 74.2568% | 1,684 |
| Net loans and leases to deposits | 85.6635% | 2,168 |
| Net loans and leases to core deposits | 87.7530% | 2,626 |
| Total domestic deposits to total assets | 86.6843% | 2,282 |
| Equity capital to assets | 9.4163% | 4,652 |
| Core capital (leverage) ratio | 9.0271% | 4,855 |
| Tier 1 risk-based capital ratio | 13.1558% | 4,201 |
| Total risk-based capital ratio | 14.3932% | 4,133 |
| Memoranda: | ||
| Average total assets | $576,728,400 | 1,183 |
| Average earning assets | $531,118,400 | 1,188 |
| Average equity | $55,063,600 | 1,357 |
| Average total loans | $418,363,000 | 1,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 2,811 |
| Cost of funding earning assets | 0.2545% | 4,827 |
| Net interest margin | 3.8739% | 2,118 |
| Noninterest income to average assets | 0.8448% | 1,634 |
| Noninterest expense to average assets | 3.1102% | 2,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9315% | 2,798 |
| Return on assets (ROA) | 0.9379% | 2,866 |
| Pretax return on assets | 1.3053% | 2,380 |
| Return on Equity (ROE) | 9.7875% | 2,184 |
| Retained earnings to average equity (ytd only) | 5.6110% | 2,518 |
| Net charge-offs to loans | -0.0312% | 5,372 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7204% | 3,253 |
| Assets per employee ($millions) | 3.4850% | 4,816 |
| Cash dividends to net income (ytd only)* | 42.6720% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 3,364 |
| Loan loss allowance to noncurrent loans | 439.1047% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,874 |
| Noncurrent loans to loans | 0.2848% | 4,560 |
| Net loans and leases to total assets | 71.8336% | 2,087 |
| Net loans and leases to deposits | 83.7225% | 2,440 |
| Net loans and leases to core deposits | 85.7791% | 2,876 |
| Total domestic deposits to total assets | 85.7996% | 2,641 |
| Equity capital to assets | 9.8018% | 4,393 |
| Core capital (leverage) ratio | 9.2194% | 4,703 |
| Tier 1 risk-based capital ratio | 14.2793% | 3,682 |
| Total risk-based capital ratio | 15.5310% | 3,610 |
| Memoranda: | ||
| Average total assets | $570,362,750 | 1,203 |
| Average earning assets | $524,417,500 | 1,208 |
| Average equity | $54,653,500 | 1,376 |
| Average total loans | $409,897,250 | 1,121 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 2,888 |
| Cost of funding earning assets | 0.2637% | 4,790 |
| Net interest margin | 3.8388% | 2,177 |
| Noninterest income to average assets | 0.8253% | 1,676 |
| Noninterest expense to average assets | 3.0510% | 2,396 |
| Loan and lease loss provision to assets | 0.0211% | 3,714 |
| Net operating income to assets | 0.9405% | 2,686 |
| Return on assets (ROA) | 0.9502% | 2,750 |
| Pretax return on assets | 1.2969% | 2,375 |
| Return on Equity (ROE) | 9.9930% | 2,075 |
| Retained earnings to average equity (ytd only) | 5.8674% | 2,317 |
| Net charge-offs to loans | 0.0510% | 2,692 |
| Credit loss provision to net charge-offs | 57.6923% | 2,611 |
| Earnings coverage of net charge-offs (x) | 35.7500% | 1,214 |
| Efficiency ratio | 69.1775% | 3,460 |
| Assets per employee ($millions) | 3.5099% | 4,767 |
| Cash dividends to net income (ytd only)* | 41.2851% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 3,628 |
| Loan loss allowance to noncurrent loans | 277.6619% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 4,556 |
| Noncurrent loans to loans | 0.4423% | 4,155 |
| Net loans and leases to total assets | 69.8292% | 2,338 |
| Net loans and leases to deposits | 80.7724% | 2,686 |
| Net loans and leases to core deposits | 82.7003% | 3,110 |
| Total domestic deposits to total assets | 86.4518% | 2,457 |
| Equity capital to assets | 9.4102% | 4,765 |
| Core capital (leverage) ratio | 9.2359% | 4,638 |
| Tier 1 risk-based capital ratio | 14.2086% | 3,810 |
| Total risk-based capital ratio | 15.4601% | 3,737 |
| Memoranda: | ||
| Average total assets | $569,972,000 | 1,203 |
| Average earning assets | $524,167,670 | 1,214 |
| Average equity | $54,197,670 | 1,394 |
| Average total loans | $407,945,330 | 1,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,917 |
| Cost of funding earning assets | 0.2791% | 4,677 |
| Net interest margin | 3.8003% | 2,230 |
| Noninterest income to average assets | 0.8183% | 1,638 |
| Noninterest expense to average assets | 3.0687% | 2,369 |
| Loan and lease loss provision to assets | 0.0213% | 3,438 |
| Net operating income to assets | 0.8972% | 2,753 |
| Return on assets (ROA) | 0.8999% | 2,867 |
| Pretax return on assets | 1.2206% | 2,584 |
| Return on Equity (ROE) | 9.4131% | 2,259 |
| Retained earnings to average equity (ytd only) | 5.2633% | 2,910 |
| Net charge-offs to loans | 0.0552% | 2,215 |
| Credit loss provision to net charge-offs | 53.5714% | 2,069 |
| Earnings coverage of net charge-offs (x) | 31.1607% | 1,126 |
| Efficiency ratio | 70.3576% | 3,420 |
| Assets per employee ($millions) | 3.4460% | 4,999 |
| Cash dividends to net income (ytd only)* | 44.0852% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,690 |
| Loan loss allowance to noncurrent loans | 292.3431% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.3325% | 4,655 |
| Noncurrent loans to loans | 0.4274% | 4,314 |
| Net loans and leases to total assets | 71.8983% | 1,821 |
| Net loans and leases to deposits | 84.7679% | 1,981 |
| Net loans and leases to core deposits | 87.4866% | 2,376 |
| Total domestic deposits to total assets | 84.8177% | 3,495 |
| Equity capital to assets | 9.7403% | 4,444 |
| Core capital (leverage) ratio | 9.4240% | 4,389 |
| Tier 1 risk-based capital ratio | 14.1351% | 3,926 |
| Total risk-based capital ratio | 15.3869% | 3,855 |
| Memoranda: | ||
| Average total assets | $563,634,500 | 1,225 |
| Average earning assets | $517,428,000 | 1,233 |
| Average equity | $53,882,500 | 1,412 |
| Average total loans | $405,959,500 | 1,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,833 |
| Cost of funding earning assets | 0.3311% | 4,479 |
| Net interest margin | 3.9042% | 2,224 |
| Noninterest income to average assets | 0.8917% | 1,529 |
| Noninterest expense to average assets | 3.1323% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9709% | 2,523 |
| Return on assets (ROA) | 0.9747% | 2,583 |
| Pretax return on assets | 1.3120% | 2,202 |
| Return on Equity (ROE) | 10.2232% | 2,020 |
| Retained earnings to average equity (ytd only) | 5.8694% | 2,004 |
| Net charge-offs to loans | 0.0833% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 21.9875% | 1,644 |
| Efficiency ratio | 69.5327% | 3,624 |
| Assets per employee ($millions) | 3.4696% | 4,946 |
| Cash dividends to net income (ytd only)* | 42.5877% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 3,676 |
| Loan loss allowance to noncurrent loans | 191.5197% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 4,162 |
| Noncurrent loans to loans | 0.6573% | 3,715 |
| Net loans and leases to total assets | 70.3606% | 2,178 |
| Net loans and leases to deposits | 82.2039% | 2,448 |
| Net loans and leases to core deposits | 84.5308% | 2,841 |
| Total domestic deposits to total assets | 85.5927% | 3,035 |
| Equity capital to assets | 9.3828% | 4,868 |
| Core capital (leverage) ratio | 9.2942% | 4,547 |
| Tier 1 risk-based capital ratio | 13.1199% | 4,642 |
| Total risk-based capital ratio | 14.3697% | 4,565 |
| Memoranda: | ||
| Average total assets | $538,415,000 | 1,242 |
| Average earning assets | $489,222,800 | 1,257 |
| Average equity | $51,334,400 | 1,413 |
| Average total loans | $384,224,400 | 1,155 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2628% | 2,765 |
| Cost of funding earning assets | 0.3432% | 4,423 |
| Net interest margin | 3.9197% | 2,158 |
| Noninterest income to average assets | 0.8860% | 1,568 |
| Noninterest expense to average assets | 3.1526% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9621% | 2,635 |
| Return on assets (ROA) | 0.9674% | 2,673 |
| Pretax return on assets | 1.2955% | 2,393 |
| Return on Equity (ROE) | 10.1033% | 2,169 |
| Retained earnings to average equity (ytd only) | 5.7062% | 2,597 |
| Net charge-offs to loans | 0.0120% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 150.8604% | 415 |
| Efficiency ratio | 69.9191% | 3,525 |
| Assets per employee ($millions) | 3.2761% | 5,275 |
| Cash dividends to net income (ytd only)* | 43.5211% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 3,235 |
| Loan loss allowance to noncurrent loans | 212.8357% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5125% | 4,345 |
| Noncurrent loans to loans | 0.6521% | 3,982 |
| Net loans and leases to total assets | 72.1428% | 1,821 |
| Net loans and leases to deposits | 85.6368% | 1,949 |
| Net loans and leases to core deposits | 89.7107% | 2,256 |
| Total domestic deposits to total assets | 84.2428% | 3,665 |
| Equity capital to assets | 9.8726% | 4,329 |
| Core capital (leverage) ratio | 9.2498% | 4,710 |
| Tier 1 risk-based capital ratio | 13.4818% | 4,553 |
| Total risk-based capital ratio | 14.7317% | 4,493 |
| Memoranda: | ||
| Average total assets | $530,764,000 | 1,269 |
| Average earning assets | $481,388,750 | 1,285 |
| Average equity | $50,820,500 | 1,434 |
| Average total loans | $378,913,250 | 1,177 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 2,875 |
| Cost of funding earning assets | 0.3506% | 4,432 |
| Net interest margin | 3.8717% | 2,290 |
| Noninterest income to average assets | 0.8602% | 1,621 |
| Noninterest expense to average assets | 3.1203% | 2,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9364% | 2,617 |
| Return on assets (ROA) | 0.9420% | 2,689 |
| Pretax return on assets | 1.2551% | 2,435 |
| Return on Equity (ROE) | 9.9413% | 2,176 |
| Retained earnings to average equity (ytd only) | 5.4995% | 2,633 |
| Net charge-offs to loans | 0.0208% | 3,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 84.8974% | 627 |
| Efficiency ratio | 70.3502% | 3,600 |
| Assets per employee ($millions) | 3.4407% | 4,971 |
| Cash dividends to net income (ytd only)* | 44.6800% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 3,373 |
| Loan loss allowance to noncurrent loans | 219.9755% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 4,561 |
| Noncurrent loans to loans | 0.6345% | 4,124 |
| Net loans and leases to total assets | 69.5385% | 2,149 |
| Net loans and leases to deposits | 81.6004% | 2,303 |
| Net loans and leases to core deposits | 84.1822% | 2,719 |
| Total domestic deposits to total assets | 85.2184% | 3,401 |
| Equity capital to assets | 9.4210% | 4,818 |
| Core capital (leverage) ratio | 9.1620% | 4,801 |
| Tier 1 risk-based capital ratio | 13.2775% | 4,736 |
| Total risk-based capital ratio | 14.5274% | 4,674 |
| Memoranda: | ||
| Average total assets | $530,778,330 | 1,265 |
| Average earning assets | $480,879,000 | 1,280 |
| Average equity | $50,295,330 | 1,441 |
| Average total loans | $375,795,670 | 1,177 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,810 |
| Cost of funding earning assets | 0.3629% | 4,411 |
| Net interest margin | 3.8546% | 2,258 |
| Noninterest income to average assets | 0.8572% | 1,529 |
| Noninterest expense to average assets | 3.1961% | 2,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8784% | 2,754 |
| Return on assets (ROA) | 0.8924% | 2,754 |
| Pretax return on assets | 1.1748% | 2,589 |
| Return on Equity (ROE) | 9.3893% | 2,297 |
| Retained earnings to average equity (ytd only) | 4.8879% | 3,179 |
| Net charge-offs to loans | 0.0604% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.9821% | 1,117 |
| Efficiency ratio | 72.3228% | 3,428 |
| Assets per employee ($millions) | 3.2617% | 5,424 |
| Cash dividends to net income (ytd only)* | 47.9417% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,328 |
| Loan loss allowance to noncurrent loans | 193.9646% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 4,438 |
| Noncurrent loans to loans | 0.7531% | 3,983 |
| Net loans and leases to total assets | 69.8143% | 1,927 |
| Net loans and leases to deposits | 82.1227% | 2,034 |
| Net loans and leases to core deposits | 84.7138% | 2,442 |
| Total domestic deposits to total assets | 85.0123% | 3,861 |
| Equity capital to assets | 9.6956% | 4,230 |
| Core capital (leverage) ratio | 9.3177% | 4,546 |
| Tier 1 risk-based capital ratio | 13.7413% | 4,509 |
| Total risk-based capital ratio | 14.9910% | 4,463 |
| Memoranda: | ||
| Average total assets | $522,635,000 | 1,289 |
| Average earning assets | $473,928,000 | 1,303 |
| Average equity | $49,673,500 | 1,450 |
| Average total loans | $370,790,500 | 1,192 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4415% | 2,429 |
| Cost of funding earning assets | 0.4268% | 4,355 |
| Net interest margin | 4.0147% | 1,907 |
| Noninterest income to average assets | 0.9611% | 1,489 |
| Noninterest expense to average assets | 3.1518% | 2,584 |
| Loan and lease loss provision to assets | 0.0275% | 4,573 |
| Net operating income to assets | 1.0570% | 2,085 |
| Return on assets (ROA) | 1.0591% | 2,157 |
| Pretax return on assets | 1.4094% | 1,751 |
| Return on Equity (ROE) | 11.1377% | 1,722 |
| Retained earnings to average equity (ytd only) | 5.9991% | 1,969 |
| Net charge-offs to loans | 0.0432% | 4,611 |
| Credit loss provision to net charge-offs | 88.6076% | 2,800 |
| Earnings coverage of net charge-offs (x) | 46.1456% | 846 |
| Efficiency ratio | 67.5174% | 4,287 |
| Assets per employee ($millions) | 3.1919% | 5,501 |
| Cash dividends to net income (ytd only)* | 46.1367% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 3,416 |
| Loan loss allowance to noncurrent loans | 186.7126% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5869% | 4,475 |
| Noncurrent loans to loans | 0.7764% | 4,027 |
| Net loans and leases to total assets | 70.0121% | 2,008 |
| Net loans and leases to deposits | 82.0843% | 2,173 |
| Net loans and leases to core deposits | 84.7965% | 2,580 |
| Total domestic deposits to total assets | 85.2930% | 3,599 |
| Equity capital to assets | 9.3162% | 4,676 |
| Core capital (leverage) ratio | 9.1103% | 4,841 |
| Tier 1 risk-based capital ratio | 13.2169% | 4,840 |
| Total risk-based capital ratio | 14.4669% | 4,785 |
| Memoranda: | ||
| Average total assets | $508,369,600 | 1,307 |
| Average earning assets | $459,008,400 | 1,320 |
| Average equity | $48,340,200 | 1,460 |
| Average total loans | $365,477,400 | 1,167 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4857% | 2,285 |
| Cost of funding earning assets | 0.4394% | 4,389 |
| Net interest margin | 4.0463% | 1,799 |
| Noninterest income to average assets | 0.9702% | 1,539 |
| Noninterest expense to average assets | 3.1030% | 2,641 |
| Loan and lease loss provision to assets | 0.0371% | 4,272 |
| Net operating income to assets | 1.1092% | 1,976 |
| Return on assets (ROA) | 1.1094% | 2,041 |
| Pretax return on assets | 1.4789% | 1,672 |
| Return on Equity (ROE) | 11.6057% | 1,621 |
| Retained earnings to average equity (ytd only) | 6.2735% | 2,249 |
| Net charge-offs to loans | 0.0363% | 4,417 |
| Credit loss provision to net charge-offs | 141.4141% | 1,659 |
| Earnings coverage of net charge-offs (x) | 57.8470% | 778 |
| Efficiency ratio | 65.9466% | 4,492 |
| Assets per employee ($millions) | 3.0672% | 5,740 |
| Cash dividends to net income (ytd only)* | 45.9448% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,495 |
| Loan loss allowance to noncurrent loans | 198.9837% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5598% | 4,775 |
| Noncurrent loans to loans | 0.7497% | 4,347 |
| Net loans and leases to total assets | 71.9688% | 1,599 |
| Net loans and leases to deposits | 85.1599% | 1,722 |
| Net loans and leases to core deposits | 88.2110% | 2,165 |
| Total domestic deposits to total assets | 84.5102% | 3,971 |
| Equity capital to assets | 9.6576% | 4,349 |
| Core capital (leverage) ratio | 9.2144% | 4,815 |
| Tier 1 risk-based capital ratio | 13.2587% | 4,930 |
| Total risk-based capital ratio | 14.5052% | 4,881 |
| Memoranda: | ||
| Average total assets | $503,795,500 | 1,332 |
| Average earning assets | $454,264,750 | 1,344 |
| Average equity | $48,159,000 | 1,471 |
| Average total loans | $363,308,250 | 1,179 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 2,247 |
| Cost of funding earning assets | 0.4470% | 4,458 |
| Net interest margin | 4.0398% | 1,727 |
| Noninterest income to average assets | 0.9229% | 1,737 |
| Noninterest expense to average assets | 3.0314% | 2,903 |
| Loan and lease loss provision to assets | 0.0476% | 4,022 |
| Net operating income to assets | 1.1052% | 1,908 |
| Return on assets (ROA) | 1.1058% | 2,023 |
| Pretax return on assets | 1.4915% | 1,639 |
| Return on Equity (ROE) | 11.6080% | 1,598 |
| Retained earnings to average equity (ytd only) | 6.9556% | 1,908 |
| Net charge-offs to loans | 0.0332% | 4,220 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 64.6167% | 667 |
| Efficiency ratio | 65.0864% | 4,693 |
| Assets per employee ($millions) | 3.1858% | 5,518 |
| Cash dividends to net income (ytd only)* | 40.0789% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,506 |
| Loan loss allowance to noncurrent loans | 214.3804% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 4,986 |
| Noncurrent loans to loans | 0.7080% | 4,518 |
| Net loans and leases to total assets | 68.7381% | 2,103 |
| Net loans and leases to deposits | 80.4054% | 2,268 |
| Net loans and leases to core deposits | 83.5998% | 2,613 |
| Total domestic deposits to total assets | 85.4895% | 3,647 |
| Equity capital to assets | 9.2282% | 4,956 |
| Core capital (leverage) ratio | 8.9178% | 5,118 |
| Tier 1 risk-based capital ratio | 13.2956% | 4,923 |
| Total risk-based capital ratio | 14.5448% | 4,866 |
| Memoranda: | ||
| Average total assets | $504,053,670 | 1,327 |
| Average earning assets | $455,028,000 | 1,339 |
| Average equity | $48,018,670 | 1,482 |
| Average total loans | $361,911,000 | 1,176 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 1,990 |
| Cost of funding earning assets | 0.4679% | 4,399 |
| Net interest margin | 4.0814% | 1,518 |
| Noninterest income to average assets | 0.9298% | 1,661 |
| Noninterest expense to average assets | 3.0682% | 2,776 |
| Loan and lease loss provision to assets | 0.0725% | 3,419 |
| Net operating income to assets | 1.0966% | 1,866 |
| Return on assets (ROA) | 1.0966% | 1,974 |
| Pretax return on assets | 1.4785% | 1,621 |
| Return on Equity (ROE) | 11.3256% | 1,607 |
| Retained earnings to average equity (ytd only) | 6.6739% | 2,326 |
| Net charge-offs to loans | -0.0243% | 5,809 |
| Credit loss provision to net charge-offs | -409.0909% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1666% | 4,802 |
| Assets per employee ($millions) | 3.0610% | 5,890 |
| Cash dividends to net income (ytd only)* | 41.0727% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 3,584 |
| Loan loss allowance to noncurrent loans | 227.2095% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5113% | 5,105 |
| Noncurrent loans to loans | 0.6853% | 4,757 |
| Net loans and leases to total assets | 70.3643% | 1,603 |
| Net loans and leases to deposits | 82.9656% | 1,715 |
| Net loans and leases to core deposits | 88.8718% | 1,819 |
| Total domestic deposits to total assets | 84.8113% | 4,135 |
| Equity capital to assets | 9.6938% | 4,571 |
| Core capital (leverage) ratio | 9.1318% | 4,668 |
| Tier 1 risk-based capital ratio | 13.3655% | 4,965 |
| Total risk-based capital ratio | 14.6153% | 4,913 |
| Memoranda: | ||
| Average total assets | $496,441,500 | 1,359 |
| Average earning assets | $448,771,000 | 1,373 |
| Average equity | $48,068,000 | 1,501 |
| Average total loans | $361,645,000 | 1,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9127% | 1,796 |
| Cost of funding earning assets | 0.6659% | 3,779 |
| Net interest margin | 4.2468% | 1,526 |
| Noninterest income to average assets | 0.9625% | 1,656 |
| Noninterest expense to average assets | 3.1329% | 2,834 |
| Loan and lease loss provision to assets | 0.2132% | 3,013 |
| Net operating income to assets | 1.0642% | 2,071 |
| Return on assets (ROA) | 1.0671% | 2,248 |
| Pretax return on assets | 1.4413% | 1,888 |
| Return on Equity (ROE) | 10.9699% | 1,814 |
| Retained earnings to average equity (ytd only) | 1.4758% | 5,128 |
| Net charge-offs to loans | 0.3318% | 2,980 |
| Credit loss provision to net charge-offs | 87.0479% | 3,589 |
| Earnings coverage of net charge-offs (x) | 6.7401% | 2,755 |
| Efficiency ratio | 64.1249% | 4,857 |
| Assets per employee ($millions) | 3.0680% | 5,907 |
| Cash dividends to net income (ytd only)* | 86.5470% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 3,814 |
| Loan loss allowance to noncurrent loans | 180.6773% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 4,892 |
| Noncurrent loans to loans | 0.8215% | 4,540 |
| Net loans and leases to total assets | 73.1298% | 1,315 |
| Net loans and leases to deposits | 86.3518% | 1,472 |
| Net loans and leases to core deposits | 88.8289% | 1,989 |
| Total domestic deposits to total assets | 84.6882% | 3,992 |
| Equity capital to assets | 9.6711% | 4,635 |
| Core capital (leverage) ratio | 8.9332% | 5,000 |
| Tier 1 risk-based capital ratio | 12.7883% | 5,260 |
| Total risk-based capital ratio | 14.0383% | 5,199 |
| Memoranda: | ||
| Average total assets | $485,519,400 | 1,370 |
| Average earning assets | $436,848,000 | 1,380 |
| Average equity | $47,229,200 | 1,480 |
| Average total loans | $358,396,800 | 1,164 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 2,337 |
| Cost of funding earning assets | 0.7069% | 3,700 |
| Net interest margin | 4.1085% | 2,060 |
| Noninterest income to average assets | 0.9446% | 1,686 |
| Noninterest expense to average assets | 3.0794% | 2,949 |
| Loan and lease loss provision to assets | 0.1462% | 3,713 |
| Net operating income to assets | 1.0490% | 2,284 |
| Return on assets (ROA) | 1.0517% | 2,496 |
| Pretax return on assets | 1.4207% | 2,173 |
| Return on Equity (ROE) | 10.7952% | 2,032 |
| Retained earnings to average equity (ytd only) | -0.3199% | 6,143 |
| Net charge-offs to loans | 0.2301% | 3,341 |
| Credit loss provision to net charge-offs | 86.1789% | 3,428 |
| Earnings coverage of net charge-offs (x) | 9.2162% | 2,354 |
| Efficiency ratio | 64.8845% | 4,644 |
| Assets per employee ($millions) | 2.9281% | 6,168 |
| Cash dividends to net income (ytd only)* | 102.9637% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 3,796 |
| Loan loss allowance to noncurrent loans | 144.2786% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8309% | 4,628 |
| Noncurrent loans to loans | 1.0636% | 4,310 |
| Net loans and leases to total assets | 73.6248% | 1,299 |
| Net loans and leases to deposits | 88.6075% | 1,282 |
| Net loans and leases to core deposits | 94.3560% | 1,548 |
| Total domestic deposits to total assets | 83.0910% | 4,609 |
| Equity capital to assets | 9.8037% | 4,778 |
| Core capital (leverage) ratio | 8.9017% | 5,195 |
| Tier 1 risk-based capital ratio | 12.7826% | 5,418 |
| Total risk-based capital ratio | 14.0329% | 5,375 |
| Memoranda: | ||
| Average total assets | $483,413,000 | 1,392 |
| Average earning assets | $435,114,500 | 1,407 |
| Average equity | $47,094,000 | 1,497 |
| Average total loans | $356,330,250 | 1,174 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8197% | 2,431 |
| Cost of funding earning assets | 0.7531% | 3,579 |
| Net interest margin | 4.0666% | 2,223 |
| Noninterest income to average assets | 0.9065% | 1,760 |
| Noninterest expense to average assets | 3.0965% | 2,937 |
| Loan and lease loss provision to assets | 0.1899% | 3,200 |
| Net operating income to assets | 0.9464% | 2,676 |
| Return on assets (ROA) | 0.9470% | 2,933 |
| Pretax return on assets | 1.2677% | 2,657 |
| Return on Equity (ROE) | 9.7411% | 2,468 |
| Retained earnings to average equity (ytd only) | 2.6625% | 4,851 |
| Net charge-offs to loans | 0.1390% | 3,809 |
| Credit loss provision to net charge-offs | 186.2348% | 1,520 |
| Earnings coverage of net charge-offs (x) | 14.2874% | 1,723 |
| Efficiency ratio | 66.5367% | 4,418 |
| Assets per employee ($millions) | 2.9176% | 6,207 |
| Cash dividends to net income (ytd only)* | 72.6678% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6297% | 3,500 |
| Loan loss allowance to noncurrent loans | 165.4701% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 4,947 |
| Noncurrent loans to loans | 0.9849% | 4,538 |
| Net loans and leases to total assets | 71.1004% | 1,722 |
| Net loans and leases to deposits | 85.4345% | 1,665 |
| Net loans and leases to core deposits | 90.5960% | 1,919 |
| Total domestic deposits to total assets | 83.2222% | 4,668 |
| Equity capital to assets | 9.6435% | 4,846 |
| Core capital (leverage) ratio | 8.8763% | 5,083 |
| Tier 1 risk-based capital ratio | 13.2005% | 5,036 |
| Total risk-based capital ratio | 14.4505% | 5,014 |
| Memoranda: | ||
| Average total assets | $484,482,330 | 1,390 |
| Average earning assets | $434,467,330 | 1,407 |
| Average equity | $47,099,330 | 1,481 |
| Average total loans | $355,420,330 | 1,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8529% | 2,430 |
| Cost of funding earning assets | 0.8172% | 3,331 |
| Net interest margin | 4.0357% | 2,349 |
| Noninterest income to average assets | 0.8780% | 1,838 |
| Noninterest expense to average assets | 3.1630% | 2,725 |
| Loan and lease loss provision to assets | 0.1916% | 3,036 |
| Net operating income to assets | 0.8584% | 3,117 |
| Return on assets (ROA) | 0.8597% | 3,340 |
| Pretax return on assets | 1.1371% | 3,175 |
| Return on Equity (ROE) | 8.8066% | 2,905 |
| Retained earnings to average equity (ytd only) | 1.4763% | 5,499 |
| Net charge-offs to loans | 0.1848% | 2,999 |
| Credit loss provision to net charge-offs | 140.2439% | 1,752 |
| Earnings coverage of net charge-offs (x) | 9.7134% | 1,816 |
| Efficiency ratio | 68.9425% | 3,986 |
| Assets per employee ($millions) | 2.9391% | 6,271 |
| Cash dividends to net income (ytd only)* | 83.2364% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 3,746 |
| Loan loss allowance to noncurrent loans | 93.4004% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2893% | 3,989 |
| Noncurrent loans to loans | 1.7073% | 3,550 |
| Net loans and leases to total assets | 72.9211% | 1,241 |
| Net loans and leases to deposits | 87.4105% | 1,240 |
| Net loans and leases to core deposits | 93.0211% | 1,547 |
| Total domestic deposits to total assets | 83.4237% | 4,745 |
| Equity capital to assets | 9.7990% | 4,375 |
| Core capital (leverage) ratio | 9.0779% | 4,715 |
| Tier 1 risk-based capital ratio | 13.2127% | 5,060 |
| Total risk-based capital ratio | 14.4626% | 5,034 |
| Memoranda: | ||
| Average total assets | $480,183,500 | 1,404 |
| Average earning assets | $429,763,500 | 1,428 |
| Average equity | $46,874,000 | 1,486 |
| Average total loans | $354,935,500 | 1,183 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0743% | 2,555 |
| Cost of funding earning assets | 0.9422% | 3,773 |
| Net interest margin | 4.1321% | 2,297 |
| Noninterest income to average assets | 0.9316% | 1,563 |
| Noninterest expense to average assets | 3.0321% | 3,472 |
| Loan and lease loss provision to assets | 0.3068% | 3,216 |
| Net operating income to assets | 0.9482% | 2,423 |
| Return on assets (ROA) | 0.9533% | 2,525 |
| Pretax return on assets | 1.2856% | 2,191 |
| Return on Equity (ROE) | 9.7309% | 2,148 |
| Retained earnings to average equity (ytd only) | 3.1619% | 3,973 |
| Net charge-offs to loans | 0.3438% | 3,679 |
| Credit loss provision to net charge-offs | 119.2661% | 2,681 |
| Earnings coverage of net charge-offs (x) | 6.1643% | 2,575 |
| Efficiency ratio | 64.0249% | 5,121 |
| Assets per employee ($millions) | 2.9894% | 6,102 |
| Cash dividends to net income (ytd only)* | 67.5068% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 3,670 |
| Loan loss allowance to noncurrent loans | 79.9143% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5968% | 3,556 |
| Noncurrent loans to loans | 1.9726% | 3,243 |
| Net loans and leases to total assets | 72.5691% | 1,545 |
| Net loans and leases to deposits | 87.4590% | 1,459 |
| Net loans and leases to core deposits | 91.7163% | 1,916 |
| Total domestic deposits to total assets | 82.9750% | 4,758 |
| Equity capital to assets | 9.7246% | 4,556 |
| Core capital (leverage) ratio | 9.0006% | 4,792 |
| Tier 1 risk-based capital ratio | 13.1162% | 4,978 |
| Total risk-based capital ratio | 14.3662% | 4,955 |
| Memoranda: | ||
| Average total assets | $466,174,600 | 1,414 |
| Average earning assets | $415,838,600 | 1,440 |
| Average equity | $45,668,800 | 1,492 |
| Average total loans | $348,710,800 | 1,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 2,491 |
| Cost of funding earning assets | 0.9599% | 3,957 |
| Net interest margin | 4.1649% | 2,225 |
| Noninterest income to average assets | 0.9195% | 1,581 |
| Noninterest expense to average assets | 3.0717% | 3,273 |
| Loan and lease loss provision to assets | 0.3028% | 3,106 |
| Net operating income to assets | 0.9328% | 2,605 |
| Return on assets (ROA) | 0.9412% | 2,728 |
| Pretax return on assets | 1.2644% | 2,416 |
| Return on Equity (ROE) | 9.5888% | 2,354 |
| Retained earnings to average equity (ytd only) | 2.0241% | 5,123 |
| Net charge-offs to loans | 0.4140% | 3,076 |
| Credit loss provision to net charge-offs | 97.4026% | 3,515 |
| Earnings coverage of net charge-offs (x) | 5.0056% | 2,903 |
| Efficiency ratio | 64.6956% | 4,952 |
| Assets per employee ($millions) | 2.8696% | 6,375 |
| Cash dividends to net income (ytd only)* | 78.8910% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,953 |
| Loan loss allowance to noncurrent loans | 79.0519% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.7811% | 3,427 |
| Noncurrent loans to loans | 1.9376% | 3,447 |
| Net loans and leases to total assets | 73.3406% | 1,448 |
| Net loans and leases to deposits | 88.8620% | 1,336 |
| Net loans and leases to core deposits | 94.1427% | 1,780 |
| Total domestic deposits to total assets | 82.5331% | 4,863 |
| Equity capital to assets | 9.8406% | 4,565 |
| Core capital (leverage) ratio | 8.9027% | 5,095 |
| Tier 1 risk-based capital ratio | 13.0363% | 5,072 |
| Total risk-based capital ratio | 14.2863% | 5,039 |
| Memoranda: | ||
| Average total assets | $462,396,750 | 1,433 |
| Average earning assets | $411,681,250 | 1,464 |
| Average equity | $45,385,250 | 1,502 |
| Average total loans | $347,173,750 | 1,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 2,599 |
| Cost of funding earning assets | 0.9644% | 4,216 |
| Net interest margin | 4.1530% | 2,220 |
| Noninterest income to average assets | 0.9261% | 1,550 |
| Noninterest expense to average assets | 3.1367% | 3,125 |
| Loan and lease loss provision to assets | 0.2518% | 3,387 |
| Net operating income to assets | 0.9284% | 2,522 |
| Return on assets (ROA) | 0.9366% | 2,589 |
| Pretax return on assets | 1.2544% | 2,287 |
| Return on Equity (ROE) | 9.5504% | 2,293 |
| Retained earnings to average equity (ytd only) | 1.9526% | 5,002 |
| Net charge-offs to loans | 0.2849% | 3,451 |
| Credit loss provision to net charge-offs | 117.4089% | 2,618 |
| Earnings coverage of net charge-offs (x) | 6.9717% | 2,301 |
| Efficiency ratio | 66.0292% | 4,867 |
| Assets per employee ($millions) | 2.9544% | 6,181 |
| Cash dividends to net income (ytd only)* | 79.5549% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5517% | 3,899 |
| Loan loss allowance to noncurrent loans | 114.1391% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 1.3694% | 4,165 |
| Noncurrent loans to loans | 1.3594% | 4,382 |
| Net loans and leases to total assets | 73.1385% | 1,569 |
| Net loans and leases to deposits | 88.3328% | 1,451 |
| Net loans and leases to core deposits | 91.5888% | 2,187 |
| Total domestic deposits to total assets | 82.7989% | 4,850 |
| Equity capital to assets | 9.6443% | 4,608 |
| Core capital (leverage) ratio | 8.9470% | 4,810 |
| Tier 1 risk-based capital ratio | 12.7958% | 5,099 |
| Total risk-based capital ratio | 14.0467% | 5,066 |
| Memoranda: | ||
| Average total assets | $460,616,670 | 1,446 |
| Average earning assets | $411,030,670 | 1,473 |
| Average equity | $45,171,000 | 1,493 |
| Average total loans | $346,772,670 | 1,253 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 2,498 |
| Cost of funding earning assets | 0.9785% | 4,357 |
| Net interest margin | 4.1565% | 2,055 |
| Noninterest income to average assets | 0.8782% | 1,735 |
| Noninterest expense to average assets | 3.2690% | 2,650 |
| Loan and lease loss provision to assets | 0.2420% | 3,255 |
| Net operating income to assets | 0.8377% | 2,840 |
| Return on assets (ROA) | 0.8377% | 2,903 |
| Pretax return on assets | 1.0938% | 2,779 |
| Return on Equity (ROE) | 8.4693% | 2,706 |
| Retained earnings to average equity (ytd only) | 0.8363% | 5,495 |
| Net charge-offs to loans | 0.2949% | 2,873 |
| Credit loss provision to net charge-offs | 108.2677% | 2,465 |
| Earnings coverage of net charge-offs (x) | 5.9764% | 2,173 |
| Efficiency ratio | 69.2719% | 4,420 |
| Assets per employee ($millions) | 2.8078% | 6,523 |
| Cash dividends to net income (ytd only)* | 90.1261% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,827 |
| Loan loss allowance to noncurrent loans | 115.3319% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.4195% | 4,149 |
| Noncurrent loans to loans | 1.3679% | 4,421 |
| Net loans and leases to total assets | 74.3318% | 1,296 |
| Net loans and leases to deposits | 90.0090% | 1,228 |
| Net loans and leases to core deposits | 92.4429% | 2,075 |
| Total domestic deposits to total assets | 82.5826% | 5,074 |
| Equity capital to assets | 9.9502% | 3,839 |
| Core capital (leverage) ratio | 9.0855% | 4,473 |
| Tier 1 risk-based capital ratio | 13.1257% | 4,731 |
| Total risk-based capital ratio | 14.3757% | 4,709 |
| Memoranda: | ||
| Average total assets | $454,577,000 | 1,478 |
| Average earning assets | $407,555,000 | 1,494 |
| Average equity | $44,962,500 | 1,490 |
| Average total loans | $344,573,000 | 1,269 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1778% | 3,711 |
| Cost of funding earning assets | 1.2203% | 4,422 |
| Net interest margin | 3.9575% | 3,226 |
| Noninterest income to average assets | 0.8708% | 1,972 |
| Noninterest expense to average assets | 3.0858% | 3,521 |
| Loan and lease loss provision to assets | 0.3881% | 3,786 |
| Net operating income to assets | 0.7480% | 3,007 |
| Return on assets (ROA) | 0.8673% | 2,657 |
| Pretax return on assets | 1.1518% | 2,390 |
| Return on Equity (ROE) | 9.0214% | 2,280 |
| Retained earnings to average equity (ytd only) | 2.0239% | 4,453 |
| Net charge-offs to loans | 0.3241% | 4,393 |
| Credit loss provision to net charge-offs | 160.0177% | 2,181 |
| Earnings coverage of net charge-offs (x) | 5.6933% | 2,557 |
| Efficiency ratio | 67.2138% | 4,721 |
| Assets per employee ($millions) | 2.7703% | 6,571 |
| Cash dividends to net income (ytd only)* | 77.5657% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,812 |
| Loan loss allowance to noncurrent loans | 87.3168% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 4,170 |
| Noncurrent loans to loans | 1.7663% | 3,863 |
| Net loans and leases to total assets | 74.9020% | 1,492 |
| Net loans and leases to deposits | 90.7238% | 1,436 |
| Net loans and leases to core deposits | 92.4709% | 2,440 |
| Total domestic deposits to total assets | 82.5605% | 4,992 |
| Equity capital to assets | 9.8326% | 3,959 |
| Core capital (leverage) ratio | 8.6094% | 5,183 |
| Tier 1 risk-based capital ratio | 12.8027% | 4,773 |
| Total risk-based capital ratio | 14.0525% | 4,738 |
| Memoranda: | ||
| Average total assets | $465,096,200 | 1,431 |
| Average earning assets | $422,591,400 | 1,432 |
| Average equity | $44,716,000 | 1,494 |
| Average total loans | $348,048,400 | 1,288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1801% | 3,937 |
| Cost of funding earning assets | 1.2578% | 4,510 |
| Net interest margin | 3.9223% | 3,439 |
| Noninterest income to average assets | 0.8095% | 2,191 |
| Noninterest expense to average assets | 3.0294% | 3,646 |
| Loan and lease loss provision to assets | 0.4210% | 3,380 |
| Net operating income to assets | 0.6963% | 3,430 |
| Return on assets (ROA) | 0.8566% | 2,919 |
| Pretax return on assets | 1.1341% | 2,718 |
| Return on Equity (ROE) | 8.9596% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.1794% | 4,867 |
| Net charge-offs to loans | 0.2451% | 4,471 |
| Credit loss provision to net charge-offs | 230.4688% | 1,489 |
| Earnings coverage of net charge-offs (x) | 7.3578% | 2,346 |
| Efficiency ratio | 67.3280% | 4,602 |
| Assets per employee ($millions) | 2.7708% | 6,652 |
| Cash dividends to net income (ytd only)* | 75.6747% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,573 |
| Loan loss allowance to noncurrent loans | 79.6911% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 4,025 |
| Noncurrent loans to loans | 1.9921% | 3,694 |
| Net loans and leases to total assets | 73.9649% | 1,814 |
| Net loans and leases to deposits | 90.9179% | 1,593 |
| Net loans and leases to core deposits | 94.7492% | 2,416 |
| Total domestic deposits to total assets | 81.3535% | 5,253 |
| Equity capital to assets | 9.7336% | 4,497 |
| Core capital (leverage) ratio | 8.7234% | 5,147 |
| Tier 1 risk-based capital ratio | 12.7014% | 4,812 |
| Total risk-based capital ratio | 13.9514% | 4,795 |
| Memoranda: | ||
| Average total assets | $467,095,000 | 1,448 |
| Average earning assets | $424,434,500 | 1,450 |
| Average equity | $44,658,750 | 1,503 |
| Average total loans | $348,125,250 | 1,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 4,019 |
| Cost of funding earning assets | 1.2933% | 4,579 |
| Net interest margin | 3.8935% | 3,478 |
| Noninterest income to average assets | 0.7867% | 2,191 |
| Noninterest expense to average assets | 3.0259% | 3,617 |
| Loan and lease loss provision to assets | 0.4866% | 2,863 |
| Net operating income to assets | 0.6166% | 3,801 |
| Return on assets (ROA) | 0.8554% | 2,852 |
| Pretax return on assets | 1.1273% | 2,682 |
| Return on Equity (ROE) | 9.0003% | 2,466 |
| Retained earnings to average equity (ytd only) | 2.6498% | 4,454 |
| Net charge-offs to loans | 0.2556% | 4,072 |
| Credit loss provision to net charge-offs | 256.1798% | 1,489 |
| Earnings coverage of net charge-offs (x) | 6.8427% | 2,398 |
| Efficiency ratio | 67.9988% | 4,581 |
| Assets per employee ($millions) | 2.7946% | 6,578 |
| Cash dividends to net income (ytd only)* | 70.5589% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,642 |
| Loan loss allowance to noncurrent loans | 80.4364% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.5306% | 4,166 |
| Noncurrent loans to loans | 1.9345% | 3,820 |
| Net loans and leases to total assets | 72.5249% | 2,274 |
| Net loans and leases to deposits | 88.6051% | 2,075 |
| Net loans and leases to core deposits | 91.2286% | 3,089 |
| Total domestic deposits to total assets | 81.8518% | 5,051 |
| Equity capital to assets | 9.5350% | 4,655 |
| Core capital (leverage) ratio | 8.5221% | 5,370 |
| Tier 1 risk-based capital ratio | 12.8037% | 4,601 |
| Total risk-based capital ratio | 14.0538% | 4,569 |
| Memoranda: | ||
| Average total assets | $468,551,670 | 1,457 |
| Average earning assets | $425,891,670 | 1,460 |
| Average equity | $44,531,670 | 1,496 |
| Average total loans | $348,242,000 | 1,323 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 3,858 |
| Cost of funding earning assets | 1.3159% | 4,719 |
| Net interest margin | 3.9177% | 3,246 |
| Noninterest income to average assets | 0.7520% | 2,290 |
| Noninterest expense to average assets | 3.1140% | 3,213 |
| Loan and lease loss provision to assets | 0.6965% | 1,830 |
| Net operating income to assets | 0.3794% | 4,932 |
| Return on assets (ROA) | 0.8554% | 2,820 |
| Pretax return on assets | 1.1272% | 2,641 |
| Return on Equity (ROE) | 9.0151% | 2,492 |
| Retained earnings to average equity (ytd only) | 1.2969% | 5,291 |
| Net charge-offs to loans | 0.2599% | 3,375 |
| Credit loss provision to net charge-offs | 359.0308% | 1,130 |
| Earnings coverage of net charge-offs (x) | 6.1718% | 2,269 |
| Efficiency ratio | 70.2676% | 4,250 |
| Assets per employee ($millions) | 2.7273% | 6,811 |
| Cash dividends to net income (ytd only)* | 85.6144% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,817 |
| Loan loss allowance to noncurrent loans | 130.5047% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.0444% | 5,054 |
| Noncurrent loans to loans | 1.1640% | 5,037 |
| Net loans and leases to total assets | 74.6368% | 1,823 |
| Net loans and leases to deposits | 91.6738% | 1,660 |
| Net loans and leases to core deposits | 96.3907% | 2,542 |
| Total domestic deposits to total assets | 81.4156% | 5,309 |
| Equity capital to assets | 9.6502% | 4,304 |
| Core capital (leverage) ratio | 8.6510% | 5,110 |
| Tier 1 risk-based capital ratio | 12.5359% | 4,711 |
| Total risk-based capital ratio | 13.7905% | 4,670 |
| Memoranda: | ||
| Average total assets | $468,082,000 | 1,497 |
| Average earning assets | $425,253,000 | 1,502 |
| Average equity | $44,414,500 | 1,510 |
| Average total loans | $349,423,000 | 1,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5512% | 3,863 |
| Cost of funding earning assets | 1.5749% | 5,155 |
| Net interest margin | 3.9762% | 2,963 |
| Noninterest income to average assets | 0.8478% | 2,191 |
| Noninterest expense to average assets | 3.1526% | 3,537 |
| Loan and lease loss provision to assets | 0.3659% | 4,604 |
| Net operating income to assets | 0.7373% | 2,782 |
| Return on assets (ROA) | 0.8669% | 2,359 |
| Pretax return on assets | 1.1108% | 2,212 |
| Return on Equity (ROE) | 9.2297% | 1,949 |
| Retained earnings to average equity (ytd only) | 1.9768% | 3,716 |
| Net charge-offs to loans | 0.2765% | 4,898 |
| Credit loss provision to net charge-offs | 174.0702% | 2,424 |
| Earnings coverage of net charge-offs (x) | 6.2345% | 2,409 |
| Efficiency ratio | 68.5675% | 4,908 |
| Assets per employee ($millions) | 2.7952% | 6,671 |
| Cash dividends to net income (ytd only)* | 78.5822% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,577 |
| Loan loss allowance to noncurrent loans | 87.6239% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2672% | 4,553 |
| Noncurrent loans to loans | 1.5213% | 4,371 |
| Net loans and leases to total assets | 72.5784% | 2,612 |
| Net loans and leases to deposits | 87.7601% | 2,600 |
| Net loans and leases to core deposits | 102.2483% | 3,779 |
| Total domestic deposits to total assets | 82.7009% | 4,658 |
| Equity capital to assets | 9.3338% | 4,663 |
| Core capital (leverage) ratio | 8.6410% | 5,029 |
| Tier 1 risk-based capital ratio | 12.2687% | 4,710 |
| Total risk-based capital ratio | 13.5186% | 4,673 |
| Memoranda: | ||
| Average total assets | $460,477,400 | 1,499 |
| Average earning assets | $418,688,000 | 1,510 |
| Average equity | $43,251,800 | 1,547 |
| Average total loans | $350,149,400 | 1,378 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6558% | 3,541 |
| Cost of funding earning assets | 1.6556% | 5,133 |
| Net interest margin | 4.0002% | 2,823 |
| Noninterest income to average assets | 0.8366% | 2,256 |
| Noninterest expense to average assets | 3.1934% | 3,320 |
| Loan and lease loss provision to assets | 0.3435% | 4,266 |
| Net operating income to assets | 0.7353% | 3,072 |
| Return on assets (ROA) | 0.8612% | 2,633 |
| Pretax return on assets | 1.0980% | 2,581 |
| Return on Equity (ROE) | 9.1535% | 2,210 |
| Retained earnings to average equity (ytd only) | 2.0662% | 4,168 |
| Net charge-offs to loans | 0.2771% | 4,309 |
| Credit loss provision to net charge-offs | 161.6231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 6.0234% | 2,684 |
| Efficiency ratio | 69.2740% | 4,730 |
| Assets per employee ($millions) | 2.5716% | 7,109 |
| Cash dividends to net income (ytd only)* | 77.4271% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 4,700 |
| Loan loss allowance to noncurrent loans | 80.2507% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3518% | 4,389 |
| Noncurrent loans to loans | 1.5813% | 4,266 |
| Net loans and leases to total assets | 76.7984% | 1,821 |
| Net loans and leases to deposits | 94.3631% | 1,816 |
| Net loans and leases to core deposits | 109.8061% | 3,259 |
| Total domestic deposits to total assets | 81.3860% | 4,928 |
| Equity capital to assets | 9.9896% | 4,102 |
| Core capital (leverage) ratio | 8.7244% | 5,091 |
| Tier 1 risk-based capital ratio | 12.2468% | 4,749 |
| Total risk-based capital ratio | 13.4967% | 4,692 |
| Memoranda: | ||
| Average total assets | $456,100,500 | 1,533 |
| Average earning assets | $414,670,500 | 1,537 |
| Average equity | $42,911,250 | 1,576 |
| Average total loans | $349,786,500 | 1,399 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6943% | 3,573 |
| Cost of funding earning assets | 1.7301% | 5,123 |
| Net interest margin | 3.9642% | 2,848 |
| Noninterest income to average assets | 0.7918% | 2,453 |
| Noninterest expense to average assets | 3.1988% | 3,342 |
| Loan and lease loss provision to assets | 0.3137% | 4,062 |
| Net operating income to assets | 0.6981% | 3,260 |
| Return on assets (ROA) | 0.8048% | 2,930 |
| Pretax return on assets | 1.0157% | 2,947 |
| Return on Equity (ROE) | 8.7298% | 2,458 |
| Retained earnings to average equity (ytd only) | 1.9993% | 4,230 |
| Net charge-offs to loans | 0.3608% | 3,377 |
| Credit loss provision to net charge-offs | 113.9241% | 4,070 |
| Earnings coverage of net charge-offs (x) | 4.3370% | 3,127 |
| Efficiency ratio | 70.6705% | 4,644 |
| Assets per employee ($millions) | 2.5757% | 7,104 |
| Cash dividends to net income (ytd only)* | 77.0980% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,089 |
| Loan loss allowance to noncurrent loans | 80.6599% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.4182% | 4,124 |
| Noncurrent loans to loans | 1.4605% | 4,305 |
| Net loans and leases to total assets | 75.9546% | 2,188 |
| Net loans and leases to deposits | 93.1816% | 2,239 |
| Net loans and leases to core deposits | 107.8526% | 3,627 |
| Total domestic deposits to total assets | 81.5125% | 4,893 |
| Equity capital to assets | 9.8019% | 4,211 |
| Core capital (leverage) ratio | 8.3995% | 5,619 |
| Tier 1 risk-based capital ratio | 12.1766% | 4,776 |
| Total risk-based capital ratio | 13.4259% | 4,689 |
| Memoranda: | ||
| Average total assets | $458,979,000 | 1,546 |
| Average earning assets | $416,979,330 | 1,554 |
| Average equity | $42,315,000 | 1,608 |
| Average total loans | $350,361,000 | 1,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7288% | 3,647 |
| Cost of funding earning assets | 1.7889% | 5,168 |
| Net interest margin | 3.9398% | 2,884 |
| Noninterest income to average assets | 0.7726% | 2,467 |
| Noninterest expense to average assets | 3.0423% | 3,586 |
| Loan and lease loss provision to assets | 0.3359% | 3,305 |
| Net operating income to assets | 0.7795% | 3,218 |
| Return on assets (ROA) | 0.7795% | 3,382 |
| Pretax return on assets | 0.9759% | 3,438 |
| Return on Equity (ROE) | 8.7213% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.3536% | 4,017 |
| Net charge-offs to loans | 0.2502% | 3,154 |
| Credit loss provision to net charge-offs | 176.4706% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.8914% | 2,422 |
| Efficiency ratio | 67.7349% | 5,014 |
| Assets per employee ($millions) | 2.7167% | 6,845 |
| Cash dividends to net income (ytd only)* | 61.5470% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 4,884 |
| Loan loss allowance to noncurrent loans | 97.8482% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1000% | 4,486 |
| Noncurrent loans to loans | 1.2137% | 4,544 |
| Net loans and leases to total assets | 74.1152% | 2,721 |
| Net loans and leases to deposits | 90.8784% | 2,796 |
| Net loans and leases to core deposits | 108.6512% | 3,599 |
| Total domestic deposits to total assets | 81.5543% | 4,730 |
| Equity capital to assets | 9.4610% | 4,729 |
| Core capital (leverage) ratio | 8.3363% | 5,835 |
| Tier 1 risk-based capital ratio | 11.9885% | 4,976 |
| Total risk-based capital ratio | 13.2390% | 4,860 |
| Memoranda: | ||
| Average total assets | $464,379,500 | 1,538 |
| Average earning assets | $422,149,500 | 1,544 |
| Average equity | $41,507,500 | 1,639 |
| Average total loans | $353,306,500 | 1,426 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3376% | 3,744 |
| Cost of funding earning assets | 2.1976% | 5,613 |
| Net interest margin | 4.1399% | 2,540 |
| Noninterest income to average assets | 0.8005% | 2,513 |
| Noninterest expense to average assets | 3.0913% | 3,729 |
| Loan and lease loss provision to assets | 0.2693% | 4,243 |
| Net operating income to assets | 1.1346% | 2,013 |
| Return on assets (ROA) | 0.5159% | 4,515 |
| Pretax return on assets | 0.5405% | 4,879 |
| Return on Equity (ROE) | 6.0270% | 3,930 |
| Retained earnings to average equity (ytd only) | -1.2711% | 5,672 |
| Net charge-offs to loans | 0.2041% | 4,163 |
| Credit loss provision to net charge-offs | 176.8466% | 2,867 |
| Earnings coverage of net charge-offs (x) | 9.5952% | 2,665 |
| Efficiency ratio | 65.7148% | 5,187 |
| Assets per employee ($millions) | 2.6226% | 6,954 |
| Cash dividends to net income (ytd only)* | 121.0901% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 5,212 |
| Loan loss allowance to noncurrent loans | 89.2937% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1588% | 3,950 |
| Noncurrent loans to loans | 1.2413% | 4,035 |
| Net loans and leases to total assets | 76.3025% | 2,542 |
| Net loans and leases to deposits | 95.0395% | 2,603 |
| Net loans and leases to core deposits | 111.1433% | 3,662 |
| Total domestic deposits to total assets | 80.2850% | 4,916 |
| Equity capital to assets | 8.4151% | 6,229 |
| Core capital (leverage) ratio | 7.2093% | 7,517 |
| Tier 1 risk-based capital ratio | 10.1245% | 6,604 |
| Total risk-based capital ratio | 11.3332% | 6,522 |
| Memoranda: | ||
| Average total assets | $462,324,400 | 1,487 |
| Average earning assets | $418,993,800 | 1,488 |
| Average equity | $39,571,600 | 1,707 |
| Average total loans | $344,986,400 | 1,409 |