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 | 4.8752% | 3,325 |
| Cost of funding earning assets | 2.0489% | 1,790 |
| Net interest margin | 2.8263% | 3,665 |
| Noninterest income to average assets | 0.2100% | 3,487 |
| Noninterest expense to average assets | 2.1603% | 3,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5052% | 3,562 |
| Return on assets (ROA) | 0.5052% | 3,578 |
| Pretax return on assets | 0.6611% | 3,467 |
| Return on Equity (ROE) | 10.4500% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.4547% | 1,090 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.5325% | 1,294 |
| Assets per employee ($millions) | 7.3922% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 2,798 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 49.6200% | 3,593 |
| Net loans and leases to deposits | 52.3935% | 3,784 |
| Net loans and leases to core deposits | 55.8293% | 3,832 |
| Total domestic deposits to total assets | 94.7000% | 49 |
| Equity capital to assets | 5.0900% | 4,358 |
| Core capital (leverage) ratio | 9.6829% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $246,259,000 | 2,750 |
| Average earning assets | $227,436,000 | 2,754 |
| Average equity | $11,899,000 | 3,619 |
| Average total loans | $129,683,500 | 2,943 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9702% | 3,147 |
| Cost of funding earning assets | 2.1104% | 1,955 |
| Net interest margin | 2.8598% | 3,381 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 2.1777% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.5785% | 3,287 |
| Return on assets (ROA) | 0.5785% | 3,310 |
| Pretax return on assets | 0.7064% | 3,244 |
| Return on Equity (ROE) | 12.6300% | 1,453 |
| Retained earnings to average equity (ytd only) | 4.5753% | 2,406 |
| Net charge-offs to loans | 0.0125% | 2,454 |
| Credit loss provision to net charge-offs | -175.0000% | 4,385 |
| Earnings coverage of net charge-offs (x) | 107.6875% | 774 |
| Efficiency ratio | 74.4989% | 1,492 |
| Assets per employee ($millions) | 7.0936% | 2,104 |
| Cash dividends to net income (ytd only)* | 63.7845% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,092 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 54.7000% | 3,362 |
| Net loans and leases to deposits | 57.7207% | 3,630 |
| Net loans and leases to core deposits | 61.6236% | 3,693 |
| Total domestic deposits to total assets | 94.7700% | 69 |
| Equity capital to assets | 4.5629% | 4,387 |
| Core capital (leverage) ratio | 9.6842% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $243,926,000 | 2,740 |
| Average earning assets | $225,261,400 | 2,745 |
| Average equity | $11,168,600 | 3,671 |
| Average total loans | $128,167,400 | 2,922 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 3,125 |
| Cost of funding earning assets | 2.0969% | 1,989 |
| Net interest margin | 2.8448% | 3,373 |
| Noninterest income to average assets | 0.2400% | 3,438 |
| Noninterest expense to average assets | 2.1378% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5750% | 3,286 |
| Return on assets (ROA) | 0.5750% | 3,311 |
| Pretax return on assets | 0.7298% | 3,186 |
| Return on Equity (ROE) | 12.5500% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.5486% | 440 |
| Net charge-offs to loans | 0.0042% | 2,552 |
| Credit loss provision to net charge-offs | -700.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | 334.7500% | 348 |
| Efficiency ratio | 73.5412% | 1,643 |
| Assets per employee ($millions) | 7.0323% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 2,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 53.2800% | 3,466 |
| Net loans and leases to deposits | 57.1975% | 3,705 |
| Net loans and leases to core deposits | 61.2687% | 3,746 |
| Total domestic deposits to total assets | 93.1500% | 85 |
| Equity capital to assets | 5.7855% | 4,375 |
| Core capital (leverage) ratio | 9.9772% | 2,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $244,611,750 | 2,726 |
| Average earning assets | $226,043,500 | 2,732 |
| Average equity | $11,209,500 | 3,673 |
| Average total loans | $126,885,500 | 2,931 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 3,114 |
| Cost of funding earning assets | 2.0376% | 2,032 |
| Net interest margin | 2.8614% | 3,322 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.1197% | 3,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6005% | 3,182 |
| Return on assets (ROA) | 0.6005% | 3,215 |
| Pretax return on assets | 0.7539% | 3,110 |
| Return on Equity (ROE) | 14.3200% | 1,105 |
| Retained earnings to average equity (ytd only) | 14.3203% | 337 |
| Net charge-offs to loans | 0.0063% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 232.2500% | 448 |
| Efficiency ratio | 72.7761% | 1,771 |
| Assets per employee ($millions) | 6.8040% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 2,818 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.2400% | 3,458 |
| Net loans and leases to deposits | 55.9759% | 3,749 |
| Net loans and leases to core deposits | 59.5263% | 3,778 |
| Total domestic deposits to total assets | 95.1100% | 41 |
| Equity capital to assets | 4.5171% | 4,420 |
| Core capital (leverage) ratio | 9.6033% | 3,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $246,450,000 | 2,721 |
| Average earning assets | $227,723,000 | 2,718 |
| Average equity | $10,335,000 | 3,740 |
| Average total loans | $126,256,333 | 2,935 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 3,116 |
| Cost of funding earning assets | 1.9971% | 1,997 |
| Net interest margin | 2.8219% | 3,340 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.0319% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6273% | 3,079 |
| Return on assets (ROA) | 0.6273% | 3,104 |
| Pretax return on assets | 0.7789% | 2,974 |
| Return on Equity (ROE) | 15.5300% | 908 |
| Retained earnings to average equity (ytd only) | 15.5275% | 398 |
| Net charge-offs to loans | 0.0160% | 1,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 97.6000% | 689 |
| Efficiency ratio | 71.2663% | 2,017 |
| Assets per employee ($millions) | 7.2829% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,683 |
| Loan loss allowance to noncurrent loans | 140,400.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,884 |
| Noncurrent loans to loans | 0.0008% | 3,827 |
| Net loans and leases to total assets | 49.8000% | 3,619 |
| Net loans and leases to deposits | 52.0891% | 3,847 |
| Net loans and leases to core deposits | 55.8950% | 3,906 |
| Total domestic deposits to total assets | 95.6100% | 56 |
| Equity capital to assets | 4.0191% | 4,473 |
| Core capital (leverage) ratio | 9.1884% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $250,604,500 | 2,693 |
| Average earning assets | $231,334,500 | 2,699 |
| Average equity | $10,124,000 | 3,768 |
| Average total loans | $125,291,000 | 2,944 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 3,371 |
| Cost of funding earning assets | 1.5429% | 1,831 |
| Net interest margin | 2.7990% | 3,665 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0834% | 3,445 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6080% | 3,424 |
| Return on assets (ROA) | 0.6080% | 3,413 |
| Pretax return on assets | 0.7425% | 3,352 |
| Return on Equity (ROE) | 16.2700% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.7163% | 1,982 |
| Net charge-offs to loans | -0.0979% | 4,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.7298% | 1,586 |
| Assets per employee ($millions) | 7.2454% | 1,906 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 2,726 |
| Loan loss allowance to noncurrent loans | 47,000.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 3,851 |
| Noncurrent loans to loans | 0.0024% | 3,786 |
| Net loans and leases to total assets | 49.0700% | 3,653 |
| Net loans and leases to deposits | 51.4699% | 3,896 |
| Net loans and leases to core deposits | 54.7626% | 3,952 |
| Total domestic deposits to total assets | 95.3400% | 51 |
| Equity capital to assets | 4.0601% | 4,494 |
| Core capital (leverage) ratio | 9.0327% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $252,138,000 | 2,669 |
| Average earning assets | $232,937,600 | 2,665 |
| Average equity | $9,424,800 | 3,781 |
| Average total loans | $116,462,800 | 2,992 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 3,439 |
| Cost of funding earning assets | 1.4270% | 1,793 |
| Net interest margin | 2.7887% | 3,739 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.0542% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5973% | 3,550 |
| Return on assets (ROA) | 0.5973% | 3,538 |
| Pretax return on assets | 0.7594% | 3,427 |
| Return on Equity (ROE) | 16.3300% | 1,193 |
| Retained earnings to average equity (ytd only) | 16.3350% | 438 |
| Net charge-offs to loans | -0.1601% | 4,553 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.0120% | 1,566 |
| Assets per employee ($millions) | 6.6620% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,227 |
| Loan loss allowance to noncurrent loans | 28,640.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,856 |
| Noncurrent loans to loans | 0.0043% | 3,785 |
| Net loans and leases to total assets | 46.7100% | 3,797 |
| Net loans and leases to deposits | 48.4766% | 3,990 |
| Net loans and leases to core deposits | 51.2277% | 4,001 |
| Total domestic deposits to total assets | 96.3500% | 68 |
| Equity capital to assets | 3.1518% | 4,480 |
| Core capital (leverage) ratio | 9.2334% | 3,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $251,775,000 | 2,677 |
| Average earning assets | $233,217,000 | 2,677 |
| Average equity | $9,207,000 | 3,799 |
| Average total loans | $114,115,250 | 3,012 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,548 |
| Cost of funding earning assets | 1.2667% | 1,805 |
| Net interest margin | 2.8038% | 3,814 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.1015% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5680% | 3,663 |
| Return on assets (ROA) | 0.5680% | 3,668 |
| Pretax return on assets | 0.7289% | 3,544 |
| Return on Equity (ROE) | 14.8700% | 1,494 |
| Retained earnings to average equity (ytd only) | 14.8663% | 574 |
| Net charge-offs to loans | -0.0018% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2720% | 1,431 |
| Assets per employee ($millions) | 7.2311% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,686 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,873 |
| Noncurrent loans to loans | 0.0053% | 3,769 |
| Net loans and leases to total assets | 43.8000% | 3,885 |
| Net loans and leases to deposits | 45.6757% | 4,052 |
| Net loans and leases to core deposits | 48.3092% | 4,058 |
| Total domestic deposits to total assets | 95.9000% | 59 |
| Equity capital to assets | 3.7576% | 4,526 |
| Core capital (leverage) ratio | 9.0373% | 3,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $253,535,333 | 2,672 |
| Average earning assets | $235,249,333 | 2,678 |
| Average equity | $9,686,333 | 3,776 |
| Average total loans | $113,300,667 | 3,026 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9937% | 3,461 |
| Cost of funding earning assets | 1.1505% | 1,592 |
| Net interest margin | 2.8431% | 3,879 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.0523% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6526% | 3,577 |
| Return on assets (ROA) | 0.6526% | 3,535 |
| Pretax return on assets | 0.8134% | 3,441 |
| Return on Equity (ROE) | 16.9400% | 1,184 |
| Retained earnings to average equity (ytd only) | 16.9420% | 599 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.6271% | 1,685 |
| Assets per employee ($millions) | 7.1209% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,551 |
| Loan loss allowance to noncurrent loans | 16,200.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 3,882 |
| Noncurrent loans to loans | 0.0074% | 3,784 |
| Net loans and leases to total assets | 41.6200% | 3,970 |
| Net loans and leases to deposits | 43.5341% | 4,108 |
| Net loans and leases to core deposits | 45.3010% | 4,135 |
| Total domestic deposits to total assets | 95.5900% | 67 |
| Equity capital to assets | 4.1303% | 4,532 |
| Core capital (leverage) ratio | 8.7941% | 3,904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $253,759,500 | 2,707 |
| Average earning assets | $235,373,000 | 2,702 |
| Average equity | $9,774,500 | 3,812 |
| Average total loans | $113,874,000 | 3,048 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3696% | 3,421 |
| Cost of funding earning assets | 0.4184% | 1,951 |
| Net interest margin | 2.9512% | 3,567 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.0581% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7593% | 3,459 |
| Return on assets (ROA) | 0.7593% | 3,395 |
| Pretax return on assets | 0.9217% | 3,292 |
| Return on Equity (ROE) | 13.9400% | 1,550 |
| Retained earnings to average equity (ytd only) | 6.6376% | 2,393 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.1187% | 1,948 |
| Assets per employee ($millions) | 7.6111% | 1,538 |
| Cash dividends to net income (ytd only)* | 52.3859% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 2,982 |
| Loan loss allowance to noncurrent loans | 14,388.8889% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 3,904 |
| Noncurrent loans to loans | 0.0075% | 3,803 |
| Net loans and leases to total assets | 47.1700% | 3,729 |
| Net loans and leases to deposits | 49.1767% | 3,928 |
| Net loans and leases to core deposits | 50.8034% | 3,948 |
| Total domestic deposits to total assets | 95.9200% | 83 |
| Equity capital to assets | 3.5677% | 4,562 |
| Core capital (leverage) ratio | 8.7768% | 3,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $251,154,400 | 2,721 |
| Average earning assets | $234,212,400 | 2,707 |
| Average equity | $13,679,600 | 3,507 |
| Average total loans | $115,617,600 | 2,968 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2058% | 3,420 |
| Cost of funding earning assets | 0.2590% | 2,615 |
| Net interest margin | 2.9469% | 3,367 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0444% | 3,370 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7581% | 3,393 |
| Return on assets (ROA) | 0.7581% | 3,337 |
| Pretax return on assets | 0.9317% | 3,233 |
| Return on Equity (ROE) | 12.8100% | 1,769 |
| Retained earnings to average equity (ytd only) | 12.8132% | 645 |
| Net charge-offs to loans | -0.0012% | 3,194 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.7488% | 2,062 |
| Assets per employee ($millions) | 7.0282% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 2,986 |
| Loan loss allowance to noncurrent loans | 11,790.9091% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,970 |
| Noncurrent loans to loans | 0.0094% | 3,881 |
| Net loans and leases to total assets | 47.1500% | 3,693 |
| Net loans and leases to deposits | 49.7954% | 3,868 |
| Net loans and leases to core deposits | 51.0367% | 3,902 |
| Total domestic deposits to total assets | 94.6900% | 261 |
| Equity capital to assets | 3.7656% | 4,503 |
| Core capital (leverage) ratio | 9.1398% | 3,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $251,151,250 | 2,745 |
| Average earning assets | $234,773,500 | 2,726 |
| Average equity | $14,859,250 | 3,418 |
| Average total loans | $114,579,500 | 2,992 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0434% | 3,444 |
| Cost of funding earning assets | 0.1981% | 2,938 |
| Net interest margin | 2.8453% | 3,308 |
| Noninterest income to average assets | 0.2183% | 3,887 |
| Noninterest expense to average assets | 1.9789% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7134% | 3,264 |
| Return on assets (ROA) | 0.7134% | 3,218 |
| Pretax return on assets | 0.9095% | 3,031 |
| Return on Equity (ROE) | 10.7865% | 2,056 |
| Retained earnings to average equity (ytd only) | 10.7865% | 826 |
| Net charge-offs to loans | -0.0018% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5520% | 2,304 |
| Assets per employee ($millions) | 7.1307% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,944 |
| Loan loss allowance to noncurrent loans | 9,969.2308% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,999 |
| Noncurrent loans to loans | 0.0115% | 3,894 |
| Net loans and leases to total assets | 44.7747% | 3,771 |
| Net loans and leases to deposits | 47.2749% | 3,968 |
| Net loans and leases to core deposits | 48.2333% | 4,014 |
| Total domestic deposits to total assets | 94.7114% | 174 |
| Equity capital to assets | 5.0654% | 4,459 |
| Core capital (leverage) ratio | 8.8770% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,872,667 | 2,759 |
| Average earning assets | $237,303,000 | 2,739 |
| Average equity | $16,724,667 | 3,339 |
| Average total loans | $113,680,000 | 3,022 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9294% | 3,458 |
| Cost of funding earning assets | 0.1856% | 3,004 |
| Net interest margin | 2.7438% | 3,301 |
| Noninterest income to average assets | 0.2027% | 3,948 |
| Noninterest expense to average assets | 1.9315% | 3,606 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6946% | 3,078 |
| Return on assets (ROA) | 0.6946% | 3,069 |
| Pretax return on assets | 0.8502% | 2,939 |
| Return on Equity (ROE) | 9.4213% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.4213% | 1,159 |
| Net charge-offs to loans | -0.0035% | 3,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4181% | 2,454 |
| Assets per employee ($millions) | 7.2280% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1924% | 2,896 |
| Loan loss allowance to noncurrent loans | 9,257.1429% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,031 |
| Noncurrent loans to loans | 0.0129% | 3,925 |
| Net loans and leases to total assets | 42.4502% | 3,856 |
| Net loans and leases to deposits | 45.4058% | 4,007 |
| Net loans and leases to core deposits | 46.3794% | 4,055 |
| Total domestic deposits to total assets | 93.4908% | 173 |
| Equity capital to assets | 6.2645% | 4,508 |
| Core capital (leverage) ratio | 8.7369% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,522,000 | 2,757 |
| Average earning assets | $239,228,500 | 2,743 |
| Average equity | $18,766,000 | 3,253 |
| Average total loans | $113,999,000 | 3,016 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6524% | 2,247 |
| Cost of funding earning assets | 0.3007% | 2,400 |
| Net interest margin | 3.3517% | 2,159 |
| Noninterest income to average assets | 0.2548% | 3,851 |
| Noninterest expense to average assets | 1.9688% | 3,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1320% | 2,168 |
| Return on assets (ROA) | 1.1320% | 2,221 |
| Pretax return on assets | 1.4545% | 1,865 |
| Return on Equity (ROE) | 12.5999% | 1,607 |
| Retained earnings to average equity (ytd only) | 6.0352% | 2,345 |
| Net charge-offs to loans | -0.0017% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6965% | 3,618 |
| Assets per employee ($millions) | 7.3161% | 1,714 |
| Cash dividends to net income (ytd only)* | 52.1014% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,414 |
| Loan loss allowance to noncurrent loans | 8,093.7500% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,107 |
| Noncurrent loans to loans | 0.0134% | 3,994 |
| Net loans and leases to total assets | 46.0887% | 3,685 |
| Net loans and leases to deposits | 50.8534% | 3,825 |
| Net loans and leases to core deposits | 52.1733% | 3,880 |
| Total domestic deposits to total assets | 90.6304% | 654 |
| Equity capital to assets | 8.4682% | 4,068 |
| Core capital (leverage) ratio | 8.6639% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $254,322,400 | 2,695 |
| Average earning assets | $240,418,800 | 2,677 |
| Average equity | $22,849,400 | 2,998 |
| Average total loans | $117,733,200 | 2,967 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 1,835 |
| Cost of funding earning assets | 0.3261% | 2,339 |
| Net interest margin | 3.5491% | 1,735 |
| Noninterest income to average assets | 0.2337% | 3,997 |
| Noninterest expense to average assets | 1.9373% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2961% | 1,841 |
| Return on assets (ROA) | 1.2961% | 1,899 |
| Pretax return on assets | 1.6511% | 1,548 |
| Return on Equity (ROE) | 14.2199% | 1,334 |
| Retained earnings to average equity (ytd only) | 14.2199% | 485 |
| Net charge-offs to loans | -0.0011% | 3,132 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2124% | 3,902 |
| Assets per employee ($millions) | 7.2740% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,279 |
| Loan loss allowance to noncurrent loans | 7,617.6471% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,211 |
| Noncurrent loans to loans | 0.0149% | 4,096 |
| Net loans and leases to total assets | 44.3142% | 3,928 |
| Net loans and leases to deposits | 49.2674% | 4,046 |
| Net loans and leases to core deposits | 50.5625% | 4,103 |
| Total domestic deposits to total assets | 89.9461% | 796 |
| Equity capital to assets | 9.4093% | 3,465 |
| Core capital (leverage) ratio | 9.1846% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,887,250 | 2,725 |
| Average earning assets | $239,978,250 | 2,701 |
| Average equity | $23,140,750 | 3,007 |
| Average total loans | $117,338,750 | 3,015 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 1,353 |
| Cost of funding earning assets | 0.3554% | 2,271 |
| Net interest margin | 3.7447% | 1,230 |
| Noninterest income to average assets | 0.2350% | 3,996 |
| Noninterest expense to average assets | 1.9310% | 3,888 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4169% | 1,525 |
| Return on assets (ROA) | 1.4169% | 1,589 |
| Pretax return on assets | 1.8513% | 1,117 |
| Return on Equity (ROE) | 15.7154% | 1,014 |
| Retained earnings to average equity (ytd only) | 15.7154% | 358 |
| Net charge-offs to loans | -0.0017% | 3,164 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3231% | 4,211 |
| Assets per employee ($millions) | 7.3695% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 3,345 |
| Loan loss allowance to noncurrent loans | 6,815.7895% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,264 |
| Noncurrent loans to loans | 0.0164% | 4,143 |
| Net loans and leases to total assets | 44.4937% | 4,013 |
| Net loans and leases to deposits | 49.2858% | 4,150 |
| Net loans and leases to core deposits | 50.7698% | 4,199 |
| Total domestic deposits to total assets | 90.2769% | 654 |
| Equity capital to assets | 9.0780% | 3,728 |
| Core capital (leverage) ratio | 8.7630% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,653,333 | 2,716 |
| Average earning assets | $240,288,667 | 2,689 |
| Average equity | $22,869,333 | 3,023 |
| Average total loans | $118,413,667 | 3,021 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3157% | 3,408 |
| Cost of funding earning assets | 0.3953% | 2,136 |
| Net interest margin | 2.9204% | 3,465 |
| Noninterest income to average assets | 0.2163% | 4,100 |
| Noninterest expense to average assets | 1.9609% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8190% | 3,358 |
| Return on assets (ROA) | 0.8190% | 3,431 |
| Pretax return on assets | 1.0162% | 3,327 |
| Return on Equity (ROE) | 9.1165% | 2,994 |
| Retained earnings to average equity (ytd only) | 9.1165% | 1,912 |
| Net charge-offs to loans | -0.0033% | 3,249 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9038% | 2,363 |
| Assets per employee ($millions) | 7.1529% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,372 |
| Loan loss allowance to noncurrent loans | 6,161.9048% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,329 |
| Noncurrent loans to loans | 0.0181% | 4,198 |
| Net loans and leases to total assets | 44.6747% | 4,068 |
| Net loans and leases to deposits | 49.2512% | 4,209 |
| Net loans and leases to core deposits | 50.7867% | 4,255 |
| Total domestic deposits to total assets | 90.7078% | 507 |
| Equity capital to assets | 8.6814% | 3,975 |
| Core capital (leverage) ratio | 8.5128% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,514,500 | 2,721 |
| Average earning assets | $237,774,500 | 2,695 |
| Average equity | $22,596,500 | 3,031 |
| Average total loans | $119,591,500 | 3,020 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 3,286 |
| Cost of funding earning assets | 0.6257% | 2,150 |
| Net interest margin | 3.1790% | 3,412 |
| Noninterest income to average assets | 0.2345% | 4,094 |
| Noninterest expense to average assets | 2.0805% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8957% | 2,718 |
| Return on assets (ROA) | 0.8957% | 2,851 |
| Pretax return on assets | 1.1264% | 2,602 |
| Return on Equity (ROE) | 9.0963% | 2,358 |
| Retained earnings to average equity (ytd only) | 1.5820% | 4,001 |
| Net charge-offs to loans | 0.0455% | 2,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 47.3273% | 1,251 |
| Efficiency ratio | 63.9185% | 2,839 |
| Assets per employee ($millions) | 6.4611% | 1,943 |
| Cash dividends to net income (ytd only)* | 82.6087% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,676 |
| Loan loss allowance to noncurrent loans | 5,387.5000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 4,387 |
| Noncurrent loans to loans | 0.0195% | 4,263 |
| Net loans and leases to total assets | 49.5090% | 3,861 |
| Net loans and leases to deposits | 55.4187% | 4,034 |
| Net loans and leases to core deposits | 57.4450% | 4,075 |
| Total domestic deposits to total assets | 89.3362% | 836 |
| Equity capital to assets | 9.3018% | 3,784 |
| Core capital (leverage) ratio | 8.7761% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,093,800 | 2,708 |
| Average earning assets | $216,076,400 | 2,701 |
| Average equity | $22,756,600 | 2,957 |
| Average total loans | $120,925,800 | 2,971 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,352 |
| Cost of funding earning assets | 0.6711% | 2,198 |
| Net interest margin | 3.1998% | 3,495 |
| Noninterest income to average assets | 0.2221% | 4,165 |
| Noninterest expense to average assets | 2.0812% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8950% | 2,729 |
| Return on assets (ROA) | 0.8950% | 2,845 |
| Pretax return on assets | 1.1282% | 2,652 |
| Return on Equity (ROE) | 8.9546% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.9546% | 993 |
| Net charge-offs to loans | -0.0011% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8787% | 2,755 |
| Assets per employee ($millions) | 6.1276% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 3,286 |
| Loan loss allowance to noncurrent loans | 5,620.8333% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,452 |
| Noncurrent loans to loans | 0.0193% | 4,340 |
| Net loans and leases to total assets | 52.8600% | 3,904 |
| Net loans and leases to deposits | 59.6563% | 4,081 |
| Net loans and leases to core deposits | 61.6650% | 4,130 |
| Total domestic deposits to total assets | 88.6076% | 937 |
| Equity capital to assets | 10.4166% | 2,861 |
| Core capital (leverage) ratio | 9.6766% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $227,486,500 | 2,718 |
| Average earning assets | $212,385,750 | 2,712 |
| Average equity | $22,736,250 | 2,955 |
| Average total loans | $120,445,000 | 2,993 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,414 |
| Cost of funding earning assets | 0.7199% | 2,293 |
| Net interest margin | 3.2461% | 3,539 |
| Noninterest income to average assets | 0.2322% | 4,089 |
| Noninterest expense to average assets | 2.1001% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9287% | 2,588 |
| Return on assets (ROA) | 0.9287% | 2,716 |
| Pretax return on assets | 1.1768% | 2,443 |
| Return on Equity (ROE) | 9.4287% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.4287% | 900 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1422% | 2,936 |
| Assets per employee ($millions) | 6.0536% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,264 |
| Loan loss allowance to noncurrent loans | 5,396.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,526 |
| Noncurrent loans to loans | 0.0197% | 4,417 |
| Net loans and leases to total assets | 54.5278% | 3,832 |
| Net loans and leases to deposits | 61.5967% | 4,031 |
| Net loans and leases to core deposits | 63.6131% | 4,099 |
| Total domestic deposits to total assets | 88.5239% | 934 |
| Equity capital to assets | 10.3658% | 2,868 |
| Core capital (leverage) ratio | 9.5628% | 3,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $225,699,000 | 2,715 |
| Average earning assets | $211,697,000 | 2,700 |
| Average equity | $22,230,000 | 2,984 |
| Average total loans | $119,115,667 | 2,992 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1623% | 3,348 |
| Cost of funding earning assets | 0.7912% | 2,446 |
| Net interest margin | 3.3711% | 3,396 |
| Noninterest income to average assets | 0.2237% | 4,213 |
| Noninterest expense to average assets | 2.0686% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0576% | 1,979 |
| Return on assets (ROA) | 1.0576% | 2,079 |
| Pretax return on assets | 1.3117% | 1,840 |
| Return on Equity (ROE) | 11.0351% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.0351% | 563 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2435% | 3,710 |
| Assets per employee ($millions) | 5.8368% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,902 |
| Loan loss allowance to noncurrent loans | 3,458.9744% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 4,544 |
| Noncurrent loans to loans | 0.0334% | 4,426 |
| Net loans and leases to total assets | 51.9869% | 4,114 |
| Net loans and leases to deposits | 58.0886% | 4,285 |
| Net loans and leases to core deposits | 60.3162% | 4,343 |
| Total domestic deposits to total assets | 89.4959% | 471 |
| Equity capital to assets | 9.7412% | 4,005 |
| Core capital (leverage) ratio | 9.5518% | 3,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $223,531,000 | 2,688 |
| Average earning assets | $209,309,000 | 2,672 |
| Average equity | $21,422,500 | 3,037 |
| Average total loans | $115,282,500 | 3,009 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 3,430 |
| Cost of funding earning assets | 0.9668% | 1,873 |
| Net interest margin | 3.3713% | 3,821 |
| Noninterest income to average assets | 0.2919% | 3,942 |
| Noninterest expense to average assets | 2.1726% | 4,221 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9770% | 2,921 |
| Return on assets (ROA) | 0.9770% | 3,001 |
| Pretax return on assets | 1.2644% | 2,628 |
| Return on Equity (ROE) | 10.2670% | 2,175 |
| Retained earnings to average equity (ytd only) | 3.1437% | 3,454 |
| Net charge-offs to loans | 0.0173% | 3,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 139.9000% | 522 |
| Efficiency ratio | 62.2798% | 3,330 |
| Assets per employee ($millions) | 5.7759% | 1,809 |
| Cash dividends to net income (ytd only)* | 69.3802% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,518 |
| Loan loss allowance to noncurrent loans | 2,870.2128% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 4,553 |
| Noncurrent loans to loans | 0.0413% | 4,393 |
| Net loans and leases to total assets | 49.9685% | 4,326 |
| Net loans and leases to deposits | 55.9777% | 4,455 |
| Net loans and leases to core deposits | 57.9093% | 4,529 |
| Total domestic deposits to total assets | 89.2649% | 572 |
| Equity capital to assets | 9.4286% | 4,403 |
| Core capital (leverage) ratio | 9.1447% | 4,409 |
| Tier 1 risk-based capital ratio | 14.5582% | 2,986 |
| Total risk-based capital ratio | 15.5209% | 3,050 |
| Memoranda: | ||
| Average total assets | $221,298,800 | 2,647 |
| Average earning assets | $206,447,800 | 2,644 |
| Average equity | $21,057,800 | 3,034 |
| Average total loans | $115,686,600 | 2,995 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 3,354 |
| Cost of funding earning assets | 1.0045% | 1,746 |
| Net interest margin | 3.3957% | 3,869 |
| Noninterest income to average assets | 0.2499% | 4,245 |
| Noninterest expense to average assets | 2.1170% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0010% | 2,980 |
| Return on assets (ROA) | 1.0010% | 3,056 |
| Pretax return on assets | 1.3000% | 2,670 |
| Return on Equity (ROE) | 10.4951% | 2,215 |
| Retained earnings to average equity (ytd only) | 10.4951% | 629 |
| Net charge-offs to loans | 0.0092% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 268.4096% | 345 |
| Efficiency ratio | 61.0166% | 3,470 |
| Assets per employee ($millions) | 5.8163% | 1,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,393 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 4,657 |
| Noncurrent loans to loans | 0.0359% | 4,496 |
| Net loans and leases to total assets | 49.7616% | 4,439 |
| Net loans and leases to deposits | 55.9953% | 4,551 |
| Net loans and leases to core deposits | 58.2106% | 4,595 |
| Total domestic deposits to total assets | 88.8674% | 663 |
| Equity capital to assets | 10.2254% | 3,797 |
| Core capital (leverage) ratio | 9.8690% | 3,766 |
| Tier 1 risk-based capital ratio | 15.4733% | 2,649 |
| Total risk-based capital ratio | 16.4578% | 2,681 |
| Memoranda: | ||
| Average total assets | $220,308,000 | 2,679 |
| Average earning assets | $205,469,250 | 2,670 |
| Average equity | $21,012,500 | 3,061 |
| Average total loans | $116,131,000 | 3,016 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 3,281 |
| Cost of funding earning assets | 0.9990% | 1,698 |
| Net interest margin | 3.4194% | 3,832 |
| Noninterest income to average assets | 0.2445% | 4,289 |
| Noninterest expense to average assets | 2.0775% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0860% | 2,581 |
| Return on assets (ROA) | 1.0860% | 2,644 |
| Pretax return on assets | 1.3587% | 2,352 |
| Return on Equity (ROE) | 11.6680% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.6680% | 448 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5345% | 3,794 |
| Assets per employee ($millions) | 5.6438% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 2,676 |
| Loan loss allowance to noncurrent loans | 3,257.1429% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 4,690 |
| Noncurrent loans to loans | 0.0359% | 4,531 |
| Net loans and leases to total assets | 53.9437% | 4,213 |
| Net loans and leases to deposits | 60.6264% | 4,399 |
| Net loans and leases to core deposits | 63.2606% | 4,443 |
| Total domestic deposits to total assets | 88.9773% | 672 |
| Equity capital to assets | 10.2226% | 3,777 |
| Core capital (leverage) ratio | 9.7715% | 3,858 |
| Tier 1 risk-based capital ratio | 15.0944% | 2,792 |
| Total risk-based capital ratio | 16.0825% | 2,826 |
| Memoranda: | ||
| Average total assets | $220,071,330 | 2,691 |
| Average earning assets | $205,413,330 | 2,681 |
| Average equity | $20,483,330 | 3,103 |
| Average total loans | $117,727,330 | 3,009 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 3,312 |
| Cost of funding earning assets | 0.9447% | 1,813 |
| Net interest margin | 3.4325% | 3,803 |
| Noninterest income to average assets | 0.2243% | 4,402 |
| Noninterest expense to average assets | 2.0424% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1253% | 2,369 |
| Return on assets (ROA) | 1.1253% | 2,417 |
| Pretax return on assets | 1.3837% | 2,141 |
| Return on Equity (ROE) | 12.6904% | 1,327 |
| Retained earnings to average equity (ytd only) | 12.6904% | 513 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6695% | 3,991 |
| Assets per employee ($millions) | 5.7552% | 1,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 2,711 |
| Loan loss allowance to noncurrent loans | 3,181.3953% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,764 |
| Noncurrent loans to loans | 0.0370% | 4,606 |
| Net loans and leases to total assets | 52.5777% | 4,299 |
| Net loans and leases to deposits | 58.4592% | 4,478 |
| Net loans and leases to core deposits | 61.2970% | 4,516 |
| Total domestic deposits to total assets | 89.9391% | 469 |
| Equity capital to assets | 9.3992% | 4,343 |
| Core capital (leverage) ratio | 9.1562% | 4,518 |
| Tier 1 risk-based capital ratio | 14.6206% | 3,053 |
| Total risk-based capital ratio | 15.6053% | 3,097 |
| Memoranda: | ||
| Average total assets | $222,874,000 | 2,702 |
| Average earning assets | $207,897,500 | 2,686 |
| Average equity | $19,763,000 | 3,183 |
| Average total loans | $118,061,500 | 3,040 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2135% | 3,401 |
| Cost of funding earning assets | 0.7448% | 1,822 |
| Net interest margin | 3.4687% | 3,807 |
| Noninterest income to average assets | 0.2632% | 4,356 |
| Noninterest expense to average assets | 2.1576% | 4,434 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0420% | 2,837 |
| Return on assets (ROA) | 1.0413% | 2,829 |
| Pretax return on assets | 1.3420% | 2,354 |
| Return on Equity (ROE) | 11.9846% | 1,722 |
| Retained earnings to average equity (ytd only) | 3.9842% | 3,382 |
| Net charge-offs to loans | -0.0009% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6963% | 3,745 |
| Assets per employee ($millions) | 5.9750% | 1,536 |
| Cash dividends to net income (ytd only)* | 66.7557% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 2,867 |
| Loan loss allowance to noncurrent loans | 13,680.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 4,908 |
| Noncurrent loans to loans | 0.0083% | 4,781 |
| Net loans and leases to total assets | 52.1473% | 4,401 |
| Net loans and leases to deposits | 57.5568% | 4,592 |
| Net loans and leases to core deposits | 60.2158% | 4,617 |
| Total domestic deposits to total assets | 90.6016% | 296 |
| Equity capital to assets | 8.3550% | 5,014 |
| Core capital (leverage) ratio | 8.8548% | 4,767 |
| Tier 1 risk-based capital ratio | 13.3859% | 3,615 |
| Total risk-based capital ratio | 14.3169% | 3,695 |
| Memoranda: | ||
| Average total assets | $215,795,600 | 2,726 |
| Average earning assets | $201,400,200 | 2,708 |
| Average equity | $18,749,000 | 3,206 |
| Average total loans | $114,766,000 | 3,062 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,396 |
| Cost of funding earning assets | 0.7228% | 1,737 |
| Net interest margin | 3.4532% | 3,855 |
| Noninterest income to average assets | 0.2391% | 4,540 |
| Noninterest expense to average assets | 2.1134% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0683% | 2,792 |
| Return on assets (ROA) | 1.0674% | 2,812 |
| Pretax return on assets | 1.3516% | 2,419 |
| Return on Equity (ROE) | 12.1606% | 1,733 |
| Retained earnings to average equity (ytd only) | 12.1606% | 458 |
| Net charge-offs to loans | -0.0012% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0144% | 3,812 |
| Assets per employee ($millions) | 5.6175% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,840 |
| Loan loss allowance to noncurrent loans | 180.7133% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,257 |
| Noncurrent loans to loans | 0.6425% | 2,478 |
| Net loans and leases to total assets | 54.5509% | 4,324 |
| Net loans and leases to deposits | 60.1445% | 4,538 |
| Net loans and leases to core deposits | 63.0094% | 4,571 |
| Total domestic deposits to total assets | 90.6996% | 293 |
| Equity capital to assets | 8.9270% | 4,614 |
| Core capital (leverage) ratio | 9.5836% | 4,079 |
| Tier 1 risk-based capital ratio | 14.4031% | 3,168 |
| Total risk-based capital ratio | 15.3592% | 3,231 |
| Memoranda: | ||
| Average total assets | $212,982,250 | 2,769 |
| Average earning assets | $199,035,250 | 2,745 |
| Average equity | $18,693,750 | 3,236 |
| Average total loans | $113,515,500 | 3,111 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 3,477 |
| Cost of funding earning assets | 0.6832% | 1,721 |
| Net interest margin | 3.4099% | 3,922 |
| Noninterest income to average assets | 0.2396% | 4,580 |
| Noninterest expense to average assets | 2.0900% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0456% | 2,831 |
| Return on assets (ROA) | 1.0441% | 2,829 |
| Pretax return on assets | 1.3326% | 2,385 |
| Return on Equity (ROE) | 11.9636% | 1,739 |
| Retained earnings to average equity (ytd only) | 11.9636% | 523 |
| Net charge-offs to loans | -0.0018% | 3,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0714% | 3,921 |
| Assets per employee ($millions) | 5.7123% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,777 |
| Loan loss allowance to noncurrent loans | 683.5000% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,541 |
| Noncurrent loans to loans | 0.1743% | 4,120 |
| Net loans and leases to total assets | 53.6275% | 4,368 |
| Net loans and leases to deposits | 59.2075% | 4,578 |
| Net loans and leases to core deposits | 61.7226% | 4,615 |
| Total domestic deposits to total assets | 90.5756% | 372 |
| Equity capital to assets | 8.9191% | 4,620 |
| Core capital (leverage) ratio | 9.4258% | 4,208 |
| Tier 1 risk-based capital ratio | 14.7706% | 2,978 |
| Total risk-based capital ratio | 15.7805% | 3,021 |
| Memoranda: | ||
| Average total assets | $212,821,330 | 2,785 |
| Average earning assets | $198,774,000 | 2,765 |
| Average equity | $18,573,000 | 3,267 |
| Average total loans | $112,082,330 | 3,140 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,435 |
| Cost of funding earning assets | 0.6604% | 1,658 |
| Net interest margin | 3.3866% | 3,927 |
| Noninterest income to average assets | 0.2341% | 4,609 |
| Noninterest expense to average assets | 2.1147% | 4,629 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9245% | 3,185 |
| Return on assets (ROA) | 0.9215% | 3,212 |
| Pretax return on assets | 1.2756% | 2,457 |
| Return on Equity (ROE) | 10.6759% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.6759% | 970 |
| Net charge-offs to loans | -0.0036% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3135% | 3,898 |
| Assets per employee ($millions) | 5.7038% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 50.9384% | 4,502 |
| Net loans and leases to deposits | 55.9551% | 4,692 |
| Net loans and leases to core deposits | 58.4724% | 4,728 |
| Total domestic deposits to total assets | 91.0344% | 307 |
| Equity capital to assets | 8.6637% | 4,850 |
| Core capital (leverage) ratio | 8.9846% | 4,691 |
| Tier 1 risk-based capital ratio | 14.7777% | 2,987 |
| Total risk-based capital ratio | 15.8219% | 2,993 |
| Memoranda: | ||
| Average total assets | $213,554,000 | 2,805 |
| Average earning assets | $199,258,500 | 2,796 |
| Average equity | $18,434,000 | 3,312 |
| Average total loans | $110,767,500 | 3,177 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,892 |
| Cost of funding earning assets | 0.5685% | 1,835 |
| Net interest margin | 3.2788% | 4,216 |
| Noninterest income to average assets | 0.2067% | 4,905 |
| Noninterest expense to average assets | 2.0681% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8793% | 2,820 |
| Return on assets (ROA) | 0.8793% | 2,840 |
| Pretax return on assets | 1.2248% | 2,664 |
| Return on Equity (ROE) | 9.6810% | 2,019 |
| Retained earnings to average equity (ytd only) | 1.8527% | 4,205 |
| Net charge-offs to loans | -0.0028% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7821% | 3,974 |
| Assets per employee ($millions) | 5.8396% | 1,628 |
| Cash dividends to net income (ytd only)* | 80.8625% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 51.5113% | 4,551 |
| Net loans and leases to deposits | 56.9240% | 4,750 |
| Net loans and leases to core deposits | 58.9276% | 4,806 |
| Total domestic deposits to total assets | 90.4914% | 400 |
| Equity capital to assets | 8.6010% | 5,039 |
| Core capital (leverage) ratio | 8.7412% | 4,912 |
| Tier 1 risk-based capital ratio | 13.9744% | 3,375 |
| Total risk-based capital ratio | 14.9822% | 3,422 |
| Memoranda: | ||
| Average total assets | $210,971,400 | 2,811 |
| Average earning assets | $198,579,400 | 2,780 |
| Average equity | $19,161,200 | 3,226 |
| Average total loans | $108,946,400 | 3,201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,035 |
| Cost of funding earning assets | 0.5443% | 1,935 |
| Net interest margin | 3.2478% | 4,331 |
| Noninterest income to average assets | 0.2009% | 5,006 |
| Noninterest expense to average assets | 2.0448% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8641% | 3,205 |
| Return on assets (ROA) | 0.8641% | 3,253 |
| Pretax return on assets | 1.2214% | 2,817 |
| Return on Equity (ROE) | 9.3857% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.3857% | 739 |
| Net charge-offs to loans | -0.0025% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5729% | 3,942 |
| Assets per employee ($millions) | 5.8898% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 52.4496% | 4,539 |
| Net loans and leases to deposits | 58.6854% | 4,708 |
| Net loans and leases to core deposits | 61.1679% | 4,760 |
| Total domestic deposits to total assets | 89.3742% | 711 |
| Equity capital to assets | 9.5429% | 4,401 |
| Core capital (leverage) ratio | 9.4262% | 4,256 |
| Tier 1 risk-based capital ratio | 14.9508% | 2,940 |
| Total risk-based capital ratio | 15.9839% | 2,980 |
| Memoranda: | ||
| Average total assets | $209,697,500 | 2,849 |
| Average earning assets | $197,911,500 | 2,814 |
| Average equity | $19,305,500 | 3,241 |
| Average total loans | $108,016,500 | 3,240 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,212 |
| Cost of funding earning assets | 0.5101% | 2,089 |
| Net interest margin | 3.1973% | 4,425 |
| Noninterest income to average assets | 0.1905% | 5,097 |
| Noninterest expense to average assets | 2.0180% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8434% | 3,189 |
| Return on assets (ROA) | 0.8434% | 3,230 |
| Pretax return on assets | 1.1909% | 2,800 |
| Return on Equity (ROE) | 9.2756% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.2756% | 767 |
| Net charge-offs to loans | -0.0019% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8437% | 4,017 |
| Assets per employee ($millions) | 5.7916% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 52.2873% | 4,544 |
| Net loans and leases to deposits | 59.2383% | 4,687 |
| Net loans and leases to core deposits | 61.1657% | 4,759 |
| Total domestic deposits to total assets | 88.2661% | 1,321 |
| Equity capital to assets | 9.5037% | 4,398 |
| Core capital (leverage) ratio | 9.3061% | 4,360 |
| Tier 1 risk-based capital ratio | 15.0083% | 2,921 |
| Total risk-based capital ratio | 16.0710% | 2,930 |
| Memoranda: | ||
| Average total assets | $208,919,330 | 2,869 |
| Average earning assets | $197,228,670 | 2,839 |
| Average equity | $18,996,000 | 3,275 |
| Average total loans | $106,496,670 | 3,277 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 4,360 |
| Cost of funding earning assets | 0.4494% | 2,529 |
| Net interest margin | 3.1725% | 4,428 |
| Noninterest income to average assets | 0.1779% | 5,207 |
| Noninterest expense to average assets | 2.0064% | 5,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8531% | 2,978 |
| Return on assets (ROA) | 0.8531% | 3,021 |
| Pretax return on assets | 1.1553% | 2,758 |
| Return on Equity (ROE) | 9.5984% | 2,144 |
| Retained earnings to average equity (ytd only) | 9.5984% | 904 |
| Net charge-offs to loans | -0.0038% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3714% | 4,098 |
| Assets per employee ($millions) | 5.9841% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 49.0840% | 4,745 |
| Net loans and leases to deposits | 54.5382% | 4,902 |
| Net loans and leases to core deposits | 56.1504% | 4,968 |
| Total domestic deposits to total assets | 89.9993% | 655 |
| Equity capital to assets | 9.0515% | 4,761 |
| Core capital (leverage) ratio | 9.0109% | 4,725 |
| Tier 1 risk-based capital ratio | 15.0665% | 2,934 |
| Total risk-based capital ratio | 16.1589% | 2,935 |
| Memoranda: | ||
| Average total assets | $209,130,000 | 2,897 |
| Average earning assets | $196,688,500 | 2,864 |
| Average equity | $18,586,500 | 3,336 |
| Average total loans | $104,553,500 | 3,331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5924% | 4,529 |
| Cost of funding earning assets | 0.4206% | 2,801 |
| Net interest margin | 3.1718% | 4,532 |
| Noninterest income to average assets | 0.2010% | 5,213 |
| Noninterest expense to average assets | 2.0618% | 5,072 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8345% | 3,127 |
| Return on assets (ROA) | 0.8360% | 3,234 |
| Pretax return on assets | 1.1248% | 2,999 |
| Return on Equity (ROE) | 8.7137% | 2,557 |
| Retained earnings to average equity (ytd only) | 1.0477% | 4,897 |
| Net charge-offs to loans | -0.0859% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6490% | 4,006 |
| Assets per employee ($millions) | 5.9661% | 1,504 |
| Cash dividends to net income (ytd only)* | 87.9765% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,546 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 49.6008% | 4,792 |
| Net loans and leases to deposits | 55.2445% | 4,953 |
| Net loans and leases to core deposits | 56.8538% | 5,018 |
| Total domestic deposits to total assets | 89.7843% | 735 |
| Equity capital to assets | 8.7230% | 5,084 |
| Core capital (leverage) ratio | 8.9490% | 4,796 |
| Tier 1 risk-based capital ratio | 14.6044% | 3,150 |
| Total risk-based capital ratio | 15.6820% | 3,156 |
| Memoranda: | ||
| Average total assets | $203,949,400 | 2,913 |
| Average earning assets | $191,848,800 | 2,876 |
| Average equity | $19,566,800 | 3,212 |
| Average total loans | $102,473,200 | 3,343 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5923% | 4,576 |
| Cost of funding earning assets | 0.4142% | 2,893 |
| Net interest margin | 3.1781% | 4,553 |
| Noninterest income to average assets | 0.1953% | 5,293 |
| Noninterest expense to average assets | 2.0868% | 5,027 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8385% | 3,201 |
| Return on assets (ROA) | 0.8405% | 3,311 |
| Pretax return on assets | 1.1036% | 3,219 |
| Return on Equity (ROE) | 8.5606% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.5606% | 957 |
| Net charge-offs to loans | -0.1139% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3697% | 3,878 |
| Assets per employee ($millions) | 5.9262% | 1,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 2,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.7454% | 4,765 |
| Net loans and leases to deposits | 57.4818% | 4,905 |
| Net loans and leases to core deposits | 59.1617% | 4,986 |
| Total domestic deposits to total assets | 88.2809% | 1,246 |
| Equity capital to assets | 10.3136% | 3,787 |
| Core capital (leverage) ratio | 9.7725% | 3,840 |
| Tier 1 risk-based capital ratio | 15.7103% | 2,747 |
| Total risk-based capital ratio | 16.8057% | 2,742 |
| Memoranda: | ||
| Average total assets | $202,733,000 | 2,938 |
| Average earning assets | $190,885,000 | 2,897 |
| Average equity | $19,904,750 | 3,203 |
| Average total loans | $101,857,000 | 3,362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,634 |
| Cost of funding earning assets | 0.4012% | 3,032 |
| Net interest margin | 3.1849% | 4,591 |
| Noninterest income to average assets | 0.1880% | 5,368 |
| Noninterest expense to average assets | 2.0360% | 5,198 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8359% | 3,148 |
| Return on assets (ROA) | 0.8388% | 3,272 |
| Pretax return on assets | 1.1568% | 2,956 |
| Return on Equity (ROE) | 8.6883% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.6883% | 940 |
| Net charge-offs to loans | -0.1698% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7663% | 4,212 |
| Assets per employee ($millions) | 5.2647% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3416% | 2,566 |
| Loan loss allowance to noncurrent loans | 1,530.3371% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 5,394 |
| Noncurrent loans to loans | 0.0877% | 5,101 |
| Net loans and leases to total assets | 50.0635% | 4,835 |
| Net loans and leases to deposits | 56.6659% | 4,975 |
| Net loans and leases to core deposits | 58.4394% | 5,050 |
| Total domestic deposits to total assets | 88.3485% | 1,247 |
| Equity capital to assets | 10.2374% | 3,929 |
| Core capital (leverage) ratio | 9.5745% | 4,099 |
| Tier 1 risk-based capital ratio | 15.5261% | 2,851 |
| Total risk-based capital ratio | 16.6325% | 2,843 |
| Memoranda: | ||
| Average total assets | $203,146,670 | 2,949 |
| Average earning assets | $191,403,670 | 2,914 |
| Average equity | $19,612,670 | 3,239 |
| Average total loans | $101,272,330 | 3,384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5983% | 4,614 |
| Cost of funding earning assets | 0.4095% | 2,971 |
| Net interest margin | 3.1888% | 4,619 |
| Noninterest income to average assets | 0.1856% | 5,388 |
| Noninterest expense to average assets | 2.1203% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7270% | 3,588 |
| Return on assets (ROA) | 0.7270% | 3,700 |
| Pretax return on assets | 1.0631% | 3,230 |
| Return on Equity (ROE) | 7.7587% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.7587% | 1,561 |
| Net charge-offs to loans | -0.0040% | 4,232 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5003% | 3,877 |
| Assets per employee ($millions) | 5.9541% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,887 |
| Loan loss allowance to noncurrent loans | 319.2500% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 4,771 |
| Noncurrent loans to loans | 0.4078% | 3,971 |
| Net loans and leases to total assets | 47.8204% | 4,979 |
| Net loans and leases to deposits | 53.7190% | 5,117 |
| Net loans and leases to core deposits | 55.6486% | 5,153 |
| Total domestic deposits to total assets | 89.0195% | 1,090 |
| Equity capital to assets | 9.6828% | 4,468 |
| Core capital (leverage) ratio | 9.1549% | 4,646 |
| Tier 1 risk-based capital ratio | 15.2018% | 3,065 |
| Total risk-based capital ratio | 16.2443% | 3,097 |
| Memoranda: | ||
| Average total assets | $204,690,000 | 2,937 |
| Average earning assets | $192,426,000 | 2,908 |
| Average equity | $19,178,500 | 3,285 |
| Average total loans | $101,149,000 | 3,401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,251 |
| Cost of funding earning assets | 0.3923% | 3,238 |
| Net interest margin | 3.3435% | 4,137 |
| Noninterest income to average assets | 0.2037% | 5,376 |
| Noninterest expense to average assets | 2.3464% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7174% | 3,724 |
| Return on assets (ROA) | 0.7310% | 3,765 |
| Pretax return on assets | 1.0453% | 3,284 |
| Return on Equity (ROE) | 6.8257% | 3,605 |
| Retained earnings to average equity (ytd only) | -0.5138% | 5,597 |
| Net charge-offs to loans | 0.0162% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 121.2143% | 500 |
| Efficiency ratio | 68.9494% | 3,409 |
| Assets per employee ($millions) | 6.0864% | 1,325 |
| Cash dividends to net income (ytd only)* | 107.5269% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 3,331 |
| Loan loss allowance to noncurrent loans | 1,433.7079% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 5,510 |
| Noncurrent loans to loans | 0.0854% | 5,155 |
| Net loans and leases to total assets | 49.7427% | 4,895 |
| Net loans and leases to deposits | 55.9452% | 5,045 |
| Net loans and leases to core deposits | 57.8269% | 5,110 |
| Total domestic deposits to total assets | 88.9132% | 1,162 |
| Equity capital to assets | 9.0631% | 5,063 |
| Core capital (leverage) ratio | 8.7723% | 5,140 |
| Tier 1 risk-based capital ratio | 14.1713% | 3,623 |
| Total risk-based capital ratio | 15.1555% | 3,694 |
| Memoranda: | ||
| Average total assets | $165,399,200 | 3,371 |
| Average earning assets | $156,753,000 | 3,302 |
| Average equity | $17,712,400 | 3,422 |
| Average total loans | $86,374,400 | 3,664 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 4,541 |
| Cost of funding earning assets | 0.3871% | 3,366 |
| Net interest margin | 3.2765% | 4,439 |
| Noninterest income to average assets | 0.1944% | 5,486 |
| Noninterest expense to average assets | 2.1374% | 5,197 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8001% | 3,426 |
| Return on assets (ROA) | 0.8188% | 3,427 |
| Pretax return on assets | 1.2076% | 2,795 |
| Return on Equity (ROE) | 7.2732% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.2732% | 1,555 |
| Net charge-offs to loans | 0.0228% | 3,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 97.9802% | 639 |
| Efficiency ratio | 63.9616% | 4,258 |
| Assets per employee ($millions) | 5.9266% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 3,258 |
| Loan loss allowance to noncurrent loans | 1,302.0408% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0486% | 5,581 |
| Noncurrent loans to loans | 0.0975% | 5,243 |
| Net loans and leases to total assets | 49.2241% | 4,994 |
| Net loans and leases to deposits | 55.9903% | 5,123 |
| Net loans and leases to core deposits | 57.7124% | 5,204 |
| Total domestic deposits to total assets | 87.9153% | 1,607 |
| Equity capital to assets | 9.9731% | 4,180 |
| Core capital (leverage) ratio | 9.5815% | 4,196 |
| Tier 1 risk-based capital ratio | 15.2816% | 3,154 |
| Total risk-based capital ratio | 16.2862% | 3,211 |
| Memoranda: | ||
| Average total assets | $155,014,250 | 3,527 |
| Average earning assets | $147,754,250 | 3,467 |
| Average equity | $17,451,750 | 3,489 |
| Average total loans | $81,914,750 | 3,806 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4654% | 5,075 |
| Cost of funding earning assets | 0.3655% | 3,643 |
| Net interest margin | 3.0999% | 4,971 |
| Noninterest income to average assets | 0.1792% | 5,623 |
| Noninterest expense to average assets | 2.0098% | 5,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8051% | 3,359 |
| Return on assets (ROA) | 0.8372% | 3,301 |
| Pretax return on assets | 1.1941% | 2,799 |
| Return on Equity (ROE) | 7.0487% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.0487% | 1,681 |
| Net charge-offs to loans | 0.0581% | 2,564 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 36.4091% | 1,202 |
| Efficiency ratio | 63.6405% | 4,404 |
| Assets per employee ($millions) | 6.4389% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 1,839 |
| Loan loss allowance to noncurrent loans | 670.8995% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 5,321 |
| Noncurrent loans to loans | 0.2418% | 4,792 |
| Net loans and leases to total assets | 54.2808% | 4,524 |
| Net loans and leases to deposits | 64.8664% | 4,454 |
| Net loans and leases to core deposits | 66.2177% | 4,636 |
| Total domestic deposits to total assets | 83.6809% | 3,701 |
| Equity capital to assets | 11.8456% | 2,139 |
| Core capital (leverage) ratio | 12.4753% | 1,395 |
| Tier 1 risk-based capital ratio | 18.9668% | 1,798 |
| Total risk-based capital ratio | 20.2186% | 1,769 |
| Memoranda: | ||
| Average total assets | $139,518,000 | 3,790 |
| Average earning assets | $134,067,000 | 3,692 |
| Average equity | $16,570,330 | 3,630 |
| Average total loans | $75,731,670 | 4,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4604% | 5,063 |
| Cost of funding earning assets | 0.3641% | 3,704 |
| Net interest margin | 3.0963% | 4,970 |
| Noninterest income to average assets | 0.1733% | 5,673 |
| Noninterest expense to average assets | 1.8866% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9130% | 2,686 |
| Return on assets (ROA) | 0.9130% | 2,809 |
| Pretax return on assets | 1.2597% | 2,427 |
| Return on Equity (ROE) | 7.6767% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.6767% | 1,694 |
| Net charge-offs to loans | 0.1610% | 1,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 14.5333% | 1,667 |
| Efficiency ratio | 59.9633% | 5,090 |
| Assets per employee ($millions) | 6.2241% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 1,555 |
| Loan loss allowance to noncurrent loans | 1,211.5385% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0760% | 5,639 |
| Noncurrent loans to loans | 0.1463% | 5,256 |
| Net loans and leases to total assets | 50.9833% | 4,746 |
| Net loans and leases to deposits | 58.2874% | 4,893 |
| Net loans and leases to core deposits | 59.4879% | 5,034 |
| Total domestic deposits to total assets | 87.4689% | 2,128 |
| Equity capital to assets | 12.3098% | 1,816 |
| Core capital (leverage) ratio | 12.1677% | 1,537 |
| Tier 1 risk-based capital ratio | 20.3127% | 1,556 |
| Total risk-based capital ratio | 21.5664% | 1,526 |
| Memoranda: | ||
| Average total assets | $138,449,000 | 3,832 |
| Average earning assets | $132,932,500 | 3,736 |
| Average equity | $16,465,500 | 3,666 |
| Average total loans | $74,517,500 | 4,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 5,176 |
| Cost of funding earning assets | 0.3908% | 3,783 |
| Net interest margin | 3.1756% | 5,002 |
| Noninterest income to average assets | 0.1873% | 5,735 |
| Noninterest expense to average assets | 2.0053% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8638% | 3,046 |
| Return on assets (ROA) | 0.8638% | 3,142 |
| Pretax return on assets | 1.1960% | 2,668 |
| Return on Equity (ROE) | 7.5512% | 3,347 |
| Retained earnings to average equity (ytd only) | 1.2794% | 5,201 |
| Net charge-offs to loans | -0.0136% | 5,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6401% | 4,804 |
| Assets per employee ($millions) | 6.3621% | 1,142 |
| Cash dividends to net income (ytd only)* | 83.0565% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,914 |
| Loan loss allowance to noncurrent loans | 1,216.9811% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,727 |
| Noncurrent loans to loans | 0.1360% | 5,345 |
| Net loans and leases to total assets | 54.7793% | 4,479 |
| Net loans and leases to deposits | 65.6976% | 4,358 |
| Net loans and leases to core deposits | 67.0858% | 4,588 |
| Total domestic deposits to total assets | 83.3811% | 3,951 |
| Equity capital to assets | 11.4849% | 2,441 |
| Core capital (leverage) ratio | 11.9398% | 1,666 |
| Tier 1 risk-based capital ratio | 18.5486% | 1,979 |
| Total risk-based capital ratio | 19.8016% | 1,947 |
| Memoranda: | ||
| Average total assets | $139,379,800 | 3,810 |
| Average earning assets | $132,288,600 | 3,714 |
| Average equity | $15,944,400 | 3,673 |
| Average total loans | $73,634,600 | 4,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 5,242 |
| Cost of funding earning assets | 0.3945% | 3,849 |
| Net interest margin | 3.1650% | 5,078 |
| Noninterest income to average assets | 0.1839% | 5,820 |
| Noninterest expense to average assets | 1.9430% | 5,873 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8647% | 3,105 |
| Return on assets (ROA) | 0.8647% | 3,191 |
| Pretax return on assets | 1.2372% | 2,627 |
| Return on Equity (ROE) | 7.5665% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.5665% | 1,551 |
| Net charge-offs to loans | -0.0129% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0961% | 5,021 |
| Assets per employee ($millions) | 5.8931% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7787% | 1,738 |
| Loan loss allowance to noncurrent loans | 367.7143% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2582% | 5,212 |
| Noncurrent loans to loans | 0.4837% | 4,456 |
| Net loans and leases to total assets | 52.4332% | 4,757 |
| Net loans and leases to deposits | 61.2812% | 4,818 |
| Net loans and leases to core deposits | 62.9146% | 4,973 |
| Total domestic deposits to total assets | 85.5617% | 3,088 |
| Equity capital to assets | 12.2338% | 1,885 |
| Core capital (leverage) ratio | 12.6773% | 1,316 |
| Tier 1 risk-based capital ratio | 20.5341% | 1,544 |
| Total risk-based capital ratio | 21.7877% | 1,510 |
| Memoranda: | ||
| Average total assets | $139,233,000 | 3,841 |
| Average earning assets | $131,812,750 | 3,750 |
| Average equity | $15,911,750 | 3,704 |
| Average total loans | $72,552,500 | 4,138 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 5,312 |
| Cost of funding earning assets | 0.3952% | 3,911 |
| Net interest margin | 3.1437% | 5,109 |
| Noninterest income to average assets | 0.1823% | 5,857 |
| Noninterest expense to average assets | 1.8966% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9098% | 2,756 |
| Return on assets (ROA) | 0.9098% | 2,856 |
| Pretax return on assets | 1.2530% | 2,441 |
| Return on Equity (ROE) | 8.1462% | 3,018 |
| Retained earnings to average equity (ytd only) | 8.1462% | 1,274 |
| Net charge-offs to loans | -0.0165% | 5,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2170% | 5,265 |
| Assets per employee ($millions) | 5.9295% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 1,816 |
| Loan loss allowance to noncurrent loans | 1,158.5586% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 5,929 |
| Noncurrent loans to loans | 0.1565% | 5,543 |
| Net loans and leases to total assets | 51.0606% | 4,853 |
| Net loans and leases to deposits | 58.1842% | 5,029 |
| Net loans and leases to core deposits | 59.3799% | 5,169 |
| Total domestic deposits to total assets | 87.7569% | 2,054 |
| Equity capital to assets | 11.9857% | 1,994 |
| Core capital (leverage) ratio | 12.3032% | 1,496 |
| Tier 1 risk-based capital ratio | 20.5932% | 1,545 |
| Total risk-based capital ratio | 21.8470% | 1,518 |
| Memoranda: | ||
| Average total assets | $140,463,330 | 3,841 |
| Average earning assets | $132,581,330 | 3,763 |
| Average equity | $15,688,330 | 3,744 |
| Average total loans | $72,618,000 | 4,145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 5,264 |
| Cost of funding earning assets | 0.3977% | 3,999 |
| Net interest margin | 3.1665% | 5,025 |
| Noninterest income to average assets | 0.1712% | 5,946 |
| Noninterest expense to average assets | 1.8133% | 6,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0357% | 2,064 |
| Return on assets (ROA) | 1.0357% | 2,136 |
| Pretax return on assets | 1.3305% | 1,995 |
| Return on Equity (ROE) | 9.6097% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.6097% | 1,076 |
| Net charge-offs to loans | -0.0163% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6786% | 5,680 |
| Assets per employee ($millions) | 6.0687% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 1,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.7985% | 5,023 |
| Net loans and leases to deposits | 55.1509% | 5,186 |
| Net loans and leases to core deposits | 56.2480% | 5,339 |
| Total domestic deposits to total assets | 88.4819% | 1,949 |
| Equity capital to assets | 11.3025% | 2,419 |
| Core capital (leverage) ratio | 11.9725% | 1,667 |
| Tier 1 risk-based capital ratio | 20.3094% | 1,647 |
| Total risk-based capital ratio | 21.5636% | 1,610 |
| Memoranda: | ||
| Average total assets | $142,505,500 | 3,839 |
| Average earning assets | $133,776,500 | 3,770 |
| Average equity | $15,359,500 | 3,799 |
| Average total loans | $73,466,000 | 4,149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 5,331 |
| Cost of funding earning assets | 0.4673% | 3,937 |
| Net interest margin | 3.1634% | 5,114 |
| Noninterest income to average assets | 0.2163% | 5,789 |
| Noninterest expense to average assets | 1.8633% | 6,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9560% | 2,538 |
| Return on assets (ROA) | 0.9550% | 2,617 |
| Pretax return on assets | 1.3319% | 2,038 |
| Return on Equity (ROE) | 8.4340% | 2,805 |
| Retained earnings to average equity (ytd only) | 0.6020% | 5,565 |
| Net charge-offs to loans | 0.1773% | 3,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 15.2143% | 1,890 |
| Efficiency ratio | 58.2898% | 5,700 |
| Assets per employee ($millions) | 6.3231% | 1,074 |
| Cash dividends to net income (ytd only)* | 92.8623% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 2,562 |
| Loan loss allowance to noncurrent loans | 505.9289% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,791 |
| Noncurrent loans to loans | 0.3263% | 5,206 |
| Net loans and leases to total assets | 52.4345% | 4,801 |
| Net loans and leases to deposits | 63.2846% | 4,583 |
| Net loans and leases to core deposits | 64.6846% | 4,808 |
| Total domestic deposits to total assets | 82.8551% | 4,589 |
| Equity capital to assets | 10.2750% | 3,417 |
| Core capital (leverage) ratio | 11.2956% | 2,125 |
| Tier 1 risk-based capital ratio | 18.0218% | 2,243 |
| Total risk-based capital ratio | 19.2735% | 2,211 |
| Memoranda: | ||
| Average total assets | $143,776,000 | 3,817 |
| Average earning assets | $135,456,000 | 3,729 |
| Average equity | $16,279,400 | 3,659 |
| Average total loans | $71,059,600 | 4,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5863% | 5,480 |
| Cost of funding earning assets | 0.4725% | 4,041 |
| Net interest margin | 3.1138% | 5,281 |
| Noninterest income to average assets | 0.2148% | 5,891 |
| Noninterest expense to average assets | 1.8052% | 6,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9551% | 2,563 |
| Return on assets (ROA) | 0.9551% | 2,665 |
| Pretax return on assets | 1.3578% | 2,081 |
| Return on Equity (ROE) | 8.2421% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.2421% | 1,318 |
| Net charge-offs to loans | 0.2477% | 2,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 11.3176% | 2,256 |
| Efficiency ratio | 57.0714% | 5,795 |
| Assets per employee ($millions) | 6.1964% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7686% | 2,398 |
| Loan loss allowance to noncurrent loans | 307.7108% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2912% | 5,559 |
| Noncurrent loans to loans | 0.5748% | 4,764 |
| Net loans and leases to total assets | 49.7663% | 5,168 |
| Net loans and leases to deposits | 58.2755% | 5,160 |
| Net loans and leases to core deposits | 59.5511% | 5,334 |
| Total domestic deposits to total assets | 85.3983% | 3,542 |
| Equity capital to assets | 11.4905% | 2,314 |
| Core capital (leverage) ratio | 12.3186% | 1,508 |
| Tier 1 risk-based capital ratio | 20.2196% | 1,678 |
| Total risk-based capital ratio | 21.4723% | 1,657 |
| Memoranda: | ||
| Average total assets | $143,362,250 | 3,860 |
| Average earning assets | $135,735,750 | 3,766 |
| Average equity | $16,613,500 | 3,652 |
| Average total loans | $69,440,500 | 4,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 5,459 |
| Cost of funding earning assets | 0.4741% | 4,159 |
| Net interest margin | 3.1176% | 5,225 |
| Noninterest income to average assets | 0.2102% | 5,938 |
| Noninterest expense to average assets | 1.7724% | 6,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9774% | 2,427 |
| Return on assets (ROA) | 0.9774% | 2,577 |
| Pretax return on assets | 1.3770% | 2,014 |
| Return on Equity (ROE) | 8.4109% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.4109% | 1,329 |
| Net charge-offs to loans | 0.3824% | 1,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.5496% | 2,531 |
| Efficiency ratio | 56.2776% | 5,935 |
| Assets per employee ($millions) | 6.0017% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,244 |
| Loan loss allowance to noncurrent loans | 498.0469% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 5,938 |
| Noncurrent loans to loans | 0.3726% | 5,344 |
| Net loans and leases to total assets | 48.8474% | 5,240 |
| Net loans and leases to deposits | 55.6383% | 5,376 |
| Net loans and leases to core deposits | 56.5747% | 5,556 |
| Total domestic deposits to total assets | 87.7947% | 2,385 |
| Equity capital to assets | 11.5903% | 2,227 |
| Core capital (leverage) ratio | 11.9894% | 1,619 |
| Tier 1 risk-based capital ratio | 20.8534% | 1,526 |
| Total risk-based capital ratio | 22.1069% | 1,497 |
| Memoranda: | ||
| Average total assets | $143,643,670 | 3,879 |
| Average earning assets | $135,424,670 | 3,800 |
| Average equity | $16,692,670 | 3,667 |
| Average total loans | $68,519,670 | 4,368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 5,314 |
| Cost of funding earning assets | 0.4826% | 4,266 |
| Net interest margin | 3.1648% | 5,043 |
| Noninterest income to average assets | 0.1885% | 6,124 |
| Noninterest expense to average assets | 1.6634% | 6,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1718% | 1,609 |
| Return on assets (ROA) | 1.1718% | 1,718 |
| Pretax return on assets | 1.4804% | 1,615 |
| Return on Equity (ROE) | 10.0707% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.0707% | 1,087 |
| Net charge-offs to loans | -0.2981% | 6,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9105% | 6,318 |
| Assets per employee ($millions) | 6.1724% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1830% | 1,621 |
| Loan loss allowance to noncurrent loans | 273.8722% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 5,466 |
| Noncurrent loans to loans | 0.7971% | 4,526 |
| Net loans and leases to total assets | 45.9864% | 5,441 |
| Net loans and leases to deposits | 52.5200% | 5,572 |
| Net loans and leases to core deposits | 53.3810% | 5,717 |
| Total domestic deposits to total assets | 87.5597% | 2,599 |
| Equity capital to assets | 12.1128% | 1,964 |
| Core capital (leverage) ratio | 11.3553% | 1,973 |
| Tier 1 risk-based capital ratio | 20.8012% | 1,585 |
| Total risk-based capital ratio | 22.0585% | 1,557 |
| Memoranda: | ||
| Average total assets | $146,446,500 | 3,869 |
| Average earning assets | $136,753,000 | 3,816 |
| Average equity | $17,039,500 | 3,667 |
| Average total loans | $68,428,000 | 4,402 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 5,643 |
| Cost of funding earning assets | 0.6562% | 3,861 |
| Net interest margin | 3.2215% | 5,514 |
| Noninterest income to average assets | 0.2147% | 5,892 |
| Noninterest expense to average assets | 1.8722% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9084% | 2,780 |
| Return on assets (ROA) | 0.9084% | 3,018 |
| Pretax return on assets | 1.2979% | 2,408 |
| Return on Equity (ROE) | 7.4135% | 3,405 |
| Retained earnings to average equity (ytd only) | 0.4525% | 5,628 |
| Net charge-offs to loans | -0.0104% | 6,468 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0583% | 5,693 |
| Assets per employee ($millions) | 6.8603% | 826 |
| Cash dividends to net income (ytd only)* | 93.8967% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0053% | 2,003 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 45.5240% | 5,666 |
| Net loans and leases to deposits | 51.8516% | 5,819 |
| Net loans and leases to core deposits | 52.6478% | 5,967 |
| Total domestic deposits to total assets | 87.7967% | 2,349 |
| Equity capital to assets | 11.1862% | 2,753 |
| Core capital (leverage) ratio | 11.4517% | 1,909 |
| Tier 1 risk-based capital ratio | 19.1945% | 1,903 |
| Total risk-based capital ratio | 20.4500% | 1,877 |
| Memoranda: | ||
| Average total assets | $140,692,600 | 3,937 |
| Average earning assets | $129,070,400 | 3,921 |
| Average equity | $17,238,800 | 3,581 |
| Average total loans | $67,624,000 | 4,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 5,658 |
| Cost of funding earning assets | 0.6927% | 3,834 |
| Net interest margin | 3.2586% | 5,518 |
| Noninterest income to average assets | 0.2143% | 6,005 |
| Noninterest expense to average assets | 1.8368% | 6,636 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9546% | 2,725 |
| Return on assets (ROA) | 0.9546% | 2,947 |
| Pretax return on assets | 1.3745% | 2,325 |
| Return on Equity (ROE) | 7.6099% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.6099% | 1,791 |
| Net charge-offs to loans | -0.0080% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1987% | 5,897 |
| Assets per employee ($millions) | 5.8410% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0296% | 2,084 |
| Loan loss allowance to noncurrent loans | 3,117.7778% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,685 |
| Noncurrent loans to loans | 0.0651% | 6,451 |
| Net loans and leases to total assets | 50.4113% | 5,263 |
| Net loans and leases to deposits | 58.5205% | 5,376 |
| Net loans and leases to core deposits | 59.9200% | 5,568 |
| Total domestic deposits to total assets | 86.1429% | 3,173 |
| Equity capital to assets | 13.3040% | 1,435 |
| Core capital (leverage) ratio | 12.7554% | 1,293 |
| Tier 1 risk-based capital ratio | 21.2784% | 1,460 |
| Total risk-based capital ratio | 22.5342% | 1,429 |
| Memoranda: | ||
| Average total assets | $138,134,000 | 4,020 |
| Average earning assets | $127,044,000 | 3,997 |
| Average equity | $17,327,750 | 3,598 |
| Average total loans | $67,001,500 | 4,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 5,908 |
| Cost of funding earning assets | 0.7198% | 3,854 |
| Net interest margin | 3.1835% | 5,789 |
| Noninterest income to average assets | 0.2095% | 6,064 |
| Noninterest expense to average assets | 1.8451% | 6,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9455% | 2,678 |
| Return on assets (ROA) | 0.9455% | 2,939 |
| Pretax return on assets | 1.2898% | 2,600 |
| Return on Equity (ROE) | 7.6869% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.6869% | 1,767 |
| Net charge-offs to loans | -0.0091% | 6,270 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8558% | 5,748 |
| Assets per employee ($millions) | 6.0830% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0427% | 2,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 48.0530% | 5,607 |
| Net loans and leases to deposits | 55.2305% | 5,741 |
| Net loans and leases to core deposits | 56.4838% | 5,902 |
| Total domestic deposits to total assets | 87.0045% | 2,761 |
| Equity capital to assets | 12.5538% | 1,783 |
| Core capital (leverage) ratio | 12.2443% | 1,474 |
| Tier 1 risk-based capital ratio | 20.9450% | 1,490 |
| Total risk-based capital ratio | 22.2007% | 1,459 |
| Memoranda: | ||
| Average total assets | $139,397,670 | 4,024 |
| Average earning assets | $128,097,330 | 3,993 |
| Average equity | $17,146,000 | 3,618 |
| Average total loans | $66,293,000 | 4,551 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 6,127 |
| Cost of funding earning assets | 0.7741% | 3,667 |
| Net interest margin | 3.0807% | 6,104 |
| Noninterest income to average assets | 0.2070% | 6,147 |
| Noninterest expense to average assets | 1.8197% | 6,775 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0148% | 2,418 |
| Return on assets (ROA) | 1.0148% | 2,610 |
| Pretax return on assets | 1.2132% | 2,868 |
| Return on Equity (ROE) | 8.3368% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.3368% | 1,844 |
| Net charge-offs to loans | -0.0061% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,610 |
| Assets per employee ($millions) | 6.0662% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2465% | 1,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 43.6631% | 6,044 |
| Net loans and leases to deposits | 49.8894% | 6,148 |
| Net loans and leases to core deposits | 51.3642% | 6,254 |
| Total domestic deposits to total assets | 87.5196% | 2,641 |
| Equity capital to assets | 12.1808% | 1,929 |
| Core capital (leverage) ratio | 11.9327% | 1,625 |
| Tier 1 risk-based capital ratio | 21.9620% | 1,291 |
| Total risk-based capital ratio | 23.2201% | 1,266 |
| Memoranda: | ||
| Average total assets | $139,141,500 | 4,053 |
| Average earning assets | $127,633,500 | 4,023 |
| Average equity | $16,937,000 | 3,658 |
| Average total loans | $65,123,000 | 4,614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 5,318 |
| Cost of funding earning assets | 1.0398% | 3,096 |
| Net interest margin | 3.3883% | 5,521 |
| Noninterest income to average assets | 0.2376% | 5,836 |
| Noninterest expense to average assets | 1.8242% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0730% | 1,912 |
| Return on assets (ROA) | 1.0730% | 2,051 |
| Pretax return on assets | 1.5563% | 1,324 |
| Return on Equity (ROE) | 8.6489% | 2,612 |
| Retained earnings to average equity (ytd only) | 0.9160% | 5,436 |
| Net charge-offs to loans | -0.0063% | 6,852 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9620% | 6,517 |
| Assets per employee ($millions) | 6.0330% | 1,211 |
| Cash dividends to net income (ytd only)* | 89.4085% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0596% | 2,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 47.9439% | 5,825 |
| Net loans and leases to deposits | 55.3810% | 5,943 |
| Net loans and leases to core deposits | 57.0450% | 6,074 |
| Total domestic deposits to total assets | 86.5711% | 2,995 |
| Equity capital to assets | 12.1642% | 2,000 |
| Core capital (leverage) ratio | 11.8561% | 1,682 |
| Tier 1 risk-based capital ratio | 20.2808% | 1,573 |
| Total risk-based capital ratio | 21.5378% | 1,549 |
| Memoranda: | ||
| Average total assets | $135,509,600 | 4,060 |
| Average earning assets | $125,695,800 | 4,020 |
| Average equity | $16,811,400 | 3,605 |
| Average total loans | $63,493,000 | 4,725 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 4,975 |
| Cost of funding earning assets | 1.0965% | 3,001 |
| Net interest margin | 3.4791% | 5,277 |
| Noninterest income to average assets | 0.2306% | 5,969 |
| Noninterest expense to average assets | 1.8065% | 6,989 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2205% | 1,598 |
| Return on assets (ROA) | 1.2205% | 1,706 |
| Pretax return on assets | 1.6590% | 1,233 |
| Return on Equity (ROE) | 9.7887% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.7887% | 906 |
| Net charge-offs to loans | -0.0128% | 6,815 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1280% | 6,662 |
| Assets per employee ($millions) | 5.8736% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2484% | 1,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 45.0882% | 6,236 |
| Net loans and leases to deposits | 52.3511% | 6,337 |
| Net loans and leases to core deposits | 53.6424% | 6,482 |
| Total domestic deposits to total assets | 86.1266% | 3,151 |
| Equity capital to assets | 13.2982% | 1,465 |
| Core capital (leverage) ratio | 12.7306% | 1,333 |
| Tier 1 risk-based capital ratio | 22.9581% | 1,155 |
| Total risk-based capital ratio | 24.2160% | 1,132 |
| Memoranda: | ||
| Average total assets | $134,697,000 | 4,104 |
| Average earning assets | $125,238,250 | 4,059 |
| Average equity | $16,794,500 | 3,617 |
| Average total loans | $62,384,750 | 4,818 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 5,955 |
| Cost of funding earning assets | 1.1347% | 3,009 |
| Net interest margin | 3.1846% | 6,211 |
| Noninterest income to average assets | 0.2274% | 6,035 |
| Noninterest expense to average assets | 1.8073% | 7,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0077% | 2,197 |
| Return on assets (ROA) | 1.0077% | 2,294 |
| Pretax return on assets | 1.3941% | 1,809 |
| Return on Equity (ROE) | 8.2661% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.2661% | 1,360 |
| Net charge-offs to loans | -0.0160% | 6,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4531% | 6,374 |
| Assets per employee ($millions) | 5.8451% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3234% | 1,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 43.7800% | 6,450 |
| Net loans and leases to deposits | 50.5306% | 6,564 |
| Net loans and leases to core deposits | 51.7747% | 6,681 |
| Total domestic deposits to total assets | 86.6407% | 2,961 |
| Equity capital to assets | 12.8974% | 1,570 |
| Core capital (leverage) ratio | 12.3367% | 1,433 |
| Tier 1 risk-based capital ratio | 22.8719% | 1,139 |
| Total risk-based capital ratio | 24.1298% | 1,118 |
| Memoranda: | ||
| Average total assets | $134,565,000 | 4,132 |
| Average earning assets | $125,666,670 | 4,078 |
| Average equity | $16,404,330 | 3,668 |
| Average total loans | $62,409,000 | 4,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 6,194 |
| Cost of funding earning assets | 1.1789% | 2,957 |
| Net interest margin | 3.0550% | 6,450 |
| Noninterest income to average assets | 0.2020% | 6,282 |
| Noninterest expense to average assets | 1.8065% | 7,129 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8884% | 2,625 |
| Return on assets (ROA) | 0.8884% | 2,690 |
| Pretax return on assets | 1.2598% | 2,163 |
| Return on Equity (ROE) | 7.5045% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5045% | 1,937 |
| Net charge-offs to loans | -0.0126% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9147% | 6,139 |
| Assets per employee ($millions) | 5.9528% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2827% | 1,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 43.6792% | 6,492 |
| Net loans and leases to deposits | 49.6835% | 6,646 |
| Net loans and leases to core deposits | 50.9291% | 6,734 |
| Total domestic deposits to total assets | 87.9150% | 2,421 |
| Equity capital to assets | 11.7643% | 2,068 |
| Core capital (leverage) ratio | 12.0556% | 1,532 |
| Tier 1 risk-based capital ratio | 21.6637% | 1,290 |
| Total risk-based capital ratio | 22.9220% | 1,263 |
| Memoranda: | ||
| Average total assets | $134,628,500 | 4,159 |
| Average earning assets | $126,221,000 | 4,102 |
| Average equity | $15,937,000 | 3,737 |
| Average total loans | $63,485,000 | 4,851 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2252% | 3,482 |
| Cost of funding earning assets | 1.4935% | 2,686 |
| Net interest margin | 3.7317% | 4,223 |
| Noninterest income to average assets | 0.0409% | 7,154 |
| Noninterest expense to average assets | 2.0419% | 6,961 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.0172% | 1,976 |
| Return on assets (ROA) | 1.0206% | 2,077 |
| Pretax return on assets | 1.4183% | 1,604 |
| Return on Equity (ROE) | 7.9509% | 2,712 |
| Retained earnings to average equity (ytd only) | 0.7446% | 5,186 |
| Net charge-offs to loans | -0.0133% | 7,330 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0899% | 6,184 |
| Assets per employee ($millions) | 5.7540% | 1,388 |
| Cash dividends to net income (ytd only)* | 90.6344% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 48.6425% | 6,317 |
| Net loans and leases to deposits | 55.9024% | 6,452 |
| Net loans and leases to core deposits | 57.3676% | 6,610 |
| Total domestic deposits to total assets | 87.0133% | 2,817 |
| Equity capital to assets | 11.9137% | 1,961 |
| Core capital (leverage) ratio | 12.0624% | 1,504 |
| Tier 1 risk-based capital ratio | 20.3969% | 1,418 |
| Total risk-based capital ratio | 21.6541% | 1,396 |
| Memoranda: | ||
| Average total assets | $129,732,200 | 4,277 |
| Average earning assets | $118,713,400 | 4,258 |
| Average equity | $16,652,200 | 3,651 |
| Average total loans | $60,347,000 | 5,059 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 3,091 |
| Cost of funding earning assets | 1.5520% | 2,662 |
| Net interest margin | 3.8043% | 3,954 |
| Noninterest income to average assets | 0.1219% | 6,945 |
| Noninterest expense to average assets | 1.8572% | 7,258 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2762% | 1,394 |
| Return on assets (ROA) | 1.2808% | 1,462 |
| Pretax return on assets | 1.7219% | 1,070 |
| Return on Equity (ROE) | 9.7981% | 2,208 |
| Retained earnings to average equity (ytd only) | 9.7981% | 844 |
| Net charge-offs to loans | -0.0068% | 7,232 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9803% | 6,974 |
| Assets per employee ($millions) | 5.5602% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3352% | 1,571 |
| Loan loss allowance to noncurrent loans | 441.2698% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 5,738 |
| Noncurrent loans to loans | 0.5292% | 6,144 |
| Net loans and leases to total assets | 45.4592% | 6,746 |
| Net loans and leases to deposits | 53.1287% | 6,827 |
| Net loans and leases to core deposits | 54.2886% | 6,945 |
| Total domestic deposits to total assets | 85.5643% | 3,313 |
| Equity capital to assets | 13.8915% | 1,201 |
| Core capital (leverage) ratio | 13.3289% | 1,109 |
| Tier 1 risk-based capital ratio | 23.7340% | 977 |
| Total risk-based capital ratio | 24.9930% | 952 |
| Memoranda: | ||
| Average total assets | $129,079,500 | 4,348 |
| Average earning assets | $117,094,000 | 4,355 |
| Average equity | $16,873,500 | 3,660 |
| Average total loans | $58,991,250 | 5,189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 4,626 |
| Cost of funding earning assets | 1.5701% | 2,836 |
| Net interest margin | 3.4975% | 5,254 |
| Noninterest income to average assets | 0.1189% | 7,009 |
| Noninterest expense to average assets | 1.8953% | 7,272 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1291% | 1,764 |
| Return on assets (ROA) | 1.1291% | 1,830 |
| Pretax return on assets | 1.4134% | 1,806 |
| Return on Equity (ROE) | 8.8198% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.8198% | 1,168 |
| Net charge-offs to loans | -0.0102% | 7,190 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2829% | 6,477 |
| Assets per employee ($millions) | 5.5907% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3843% | 1,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4410% | 6,344 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.2575% | 6,898 |
| Net loans and leases to deposits | 51.3434% | 7,005 |
| Net loans and leases to core deposits | 52.6423% | 7,101 |
| Total domestic deposits to total assets | 86.1991% | 2,974 |
| Equity capital to assets | 13.3459% | 1,417 |
| Core capital (leverage) ratio | 12.8318% | 1,264 |
| Tier 1 risk-based capital ratio | 23.3778% | 1,014 |
| Total risk-based capital ratio | 24.6364% | 987 |
| Memoranda: | ||
| Average total assets | $129,478,000 | 4,366 |
| Average earning assets | $118,082,670 | 4,365 |
| Average equity | $16,576,330 | 3,708 |
| Average total loans | $58,813,330 | 5,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9572% | 5,204 |
| Cost of funding earning assets | 1.5748% | 3,107 |
| Net interest margin | 3.3824% | 5,653 |
| Noninterest income to average assets | 0.1139% | 7,121 |
| Noninterest expense to average assets | 1.8565% | 7,403 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0991% | 1,829 |
| Return on assets (ROA) | 1.0991% | 1,914 |
| Pretax return on assets | 1.3454% | 1,921 |
| Return on Equity (ROE) | 8.7693% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7693% | 1,464 |
| Net charge-offs to loans | -0.0135% | 6,966 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9808% | 6,488 |
| Assets per employee ($millions) | 5.6274% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3747% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 6,374 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.1188% | 6,981 |
| Net loans and leases to deposits | 50.7370% | 7,094 |
| Net loans and leases to core deposits | 52.1898% | 7,191 |
| Total domestic deposits to total assets | 86.9559% | 2,648 |
| Equity capital to assets | 12.6903% | 1,661 |
| Core capital (leverage) ratio | 12.4595% | 1,423 |
| Tier 1 risk-based capital ratio | 22.5359% | 1,144 |
| Total risk-based capital ratio | 23.7942% | 1,115 |
| Memoranda: | ||
| Average total assets | $129,924,000 | 4,414 |
| Average earning assets | $118,615,000 | 4,411 |
| Average equity | $16,284,000 | 3,782 |
| Average total loans | $59,070,500 | 5,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5038% | 4,123 |
| Cost of funding earning assets | 1.8369% | 3,799 |
| Net interest margin | 3.6669% | 4,273 |
| Noninterest income to average assets | 0.1240% | 7,133 |
| Noninterest expense to average assets | 2.0682% | 7,249 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0555% | 1,644 |
| Return on assets (ROA) | 1.0572% | 1,679 |
| Pretax return on assets | 1.5364% | 1,109 |
| Return on Equity (ROE) | 7.9243% | 2,402 |
| Retained earnings to average equity (ytd only) | 0.6320% | 4,554 |
| Net charge-offs to loans | 0.2281% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 13.6115% | 1,417 |
| Efficiency ratio | 57.4162% | 6,846 |
| Assets per employee ($millions) | 5.6703% | 1,494 |
| Cash dividends to net income (ytd only)* | 92.0245% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 6,373 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.6733% | 7,077 |
| Net loans and leases to deposits | 51.6470% | 7,166 |
| Net loans and leases to core deposits | 57.7172% | 7,351 |
| Total domestic deposits to total assets | 86.4973% | 2,767 |
| Equity capital to assets | 12.3779% | 1,807 |
| Core capital (leverage) ratio | 12.4273% | 1,483 |
| Tier 1 risk-based capital ratio | 21.6496% | 1,195 |
| Total risk-based capital ratio | 22.9078% | 1,170 |
| Memoranda: | ||
| Average total assets | $123,342,200 | 4,488 |
| Average earning assets | $116,992,200 | 4,376 |
| Average equity | $16,455,800 | 3,788 |
| Average total loans | $60,941,200 | 5,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 3,958 |
| Cost of funding earning assets | 1.8899% | 3,933 |
| Net interest margin | 3.6925% | 4,107 |
| Noninterest income to average assets | 0.1163% | 7,309 |
| Noninterest expense to average assets | 2.0103% | 7,361 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2031% | 1,461 |
| Return on assets (ROA) | 1.2031% | 1,516 |
| Pretax return on assets | 1.6308% | 1,113 |
| Return on Equity (ROE) | 8.8462% | 2,319 |
| Retained earnings to average equity (ytd only) | 8.8462% | 880 |
| Net charge-offs to loans | 0.2655% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 12.1887% | 1,785 |
| Efficiency ratio | 55.2108% | 7,098 |
| Assets per employee ($millions) | 5.4112% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3054% | 1,289 |
| Loan loss allowance to noncurrent loans | 7,394.7368% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 6,284 |
| Noncurrent loans to loans | 0.0312% | 7,438 |
| Net loans and leases to total assets | 47.8394% | 6,968 |
| Net loans and leases to deposits | 55.9271% | 7,093 |
| Net loans and leases to core deposits | 62.0467% | 7,323 |
| Total domestic deposits to total assets | 85.5389% | 2,950 |
| Equity capital to assets | 13.9316% | 1,331 |
| Core capital (leverage) ratio | 13.5345% | 1,225 |
| Tier 1 risk-based capital ratio | 23.1343% | 1,094 |
| Total risk-based capital ratio | 24.3935% | 1,063 |
| Memoranda: | ||
| Average total assets | $121,573,250 | 4,556 |
| Average earning assets | $116,052,500 | 4,427 |
| Average equity | $16,534,000 | 3,802 |
| Average total loans | $61,264,250 | 5,233 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 5,474 |
| Cost of funding earning assets | 1.9301% | 4,111 |
| Net interest margin | 3.4050% | 5,143 |
| Noninterest income to average assets | 0.2769% | 6,282 |
| Noninterest expense to average assets | 2.0777% | 7,322 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0331% | 1,997 |
| Return on assets (ROA) | 1.0331% | 2,075 |
| Pretax return on assets | 1.4493% | 1,591 |
| Return on Equity (ROE) | 7.6603% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.6603% | 1,330 |
| Net charge-offs to loans | -0.0130% | 7,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9093% | 6,708 |
| Assets per employee ($millions) | 5.3085% | 1,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4795% | 922 |
| Loan loss allowance to noncurrent loans | 220.6052% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 5,996 |
| Noncurrent loans to loans | 1.1240% | 4,973 |
| Net loans and leases to total assets | 49.3177% | 6,930 |
| Net loans and leases to deposits | 57.3296% | 7,070 |
| Net loans and leases to core deposits | 63.4477% | 7,321 |
| Total domestic deposits to total assets | 86.0249% | 2,779 |
| Equity capital to assets | 13.4624% | 1,508 |
| Core capital (leverage) ratio | 13.5886% | 1,246 |
| Tier 1 risk-based capital ratio | 22.6101% | 1,177 |
| Total risk-based capital ratio | 23.8711% | 1,142 |
| Memoranda: | ||
| Average total assets | $120,611,670 | 4,620 |
| Average earning assets | $115,125,670 | 4,487 |
| Average equity | $16,265,670 | 3,866 |
| Average total loans | $61,370,670 | 5,273 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 5,604 |
| Cost of funding earning assets | 1.9589% | 4,332 |
| Net interest margin | 3.4036% | 5,126 |
| Noninterest income to average assets | 0.2569% | 6,395 |
| Noninterest expense to average assets | 2.0122% | 7,324 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1679% | 1,745 |
| Return on assets (ROA) | 1.1679% | 1,858 |
| Pretax return on assets | 1.4916% | 1,689 |
| Return on Equity (ROE) | 8.6527% | 2,861 |
| Retained earnings to average equity (ytd only) | 8.6527% | 1,579 |
| Net charge-offs to loans | -0.0131% | 7,340 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4286% | 6,769 |
| Assets per employee ($millions) | 5.1582% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5176% | 752 |
| Loan loss allowance to noncurrent loans | 123.4249% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 4,604 |
| Noncurrent loans to loans | 2.0398% | 3,213 |
| Net loans and leases to total assets | 49.8689% | 6,874 |
| Net loans and leases to deposits | 58.1310% | 7,026 |
| Net loans and leases to core deposits | 64.8394% | 7,281 |
| Total domestic deposits to total assets | 85.7871% | 2,830 |
| Equity capital to assets | 13.7307% | 1,458 |
| Core capital (leverage) ratio | 13.5338% | 1,315 |
| Tier 1 risk-based capital ratio | 22.5812% | 1,233 |
| Total risk-based capital ratio | 23.8423% | 1,203 |
| Memoranda: | ||
| Average total assets | $119,869,500 | 4,659 |
| Average earning assets | $114,350,000 | 4,523 |
| Average equity | $16,180,000 | 3,907 |
| Average total loans | $61,183,000 | 5,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1395% | 4,834 |
| Cost of funding earning assets | 2.4786% | 4,323 |
| Net interest margin | 3.6609% | 4,639 |
| Noninterest income to average assets | 0.2204% | 6,866 |
| Noninterest expense to average assets | 1.9808% | 7,477 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2304% | 1,683 |
| Return on assets (ROA) | 1.2304% | 1,627 |
| Pretax return on assets | 1.7028% | 1,137 |
| Return on Equity (ROE) | 9.1710% | 2,583 |
| Retained earnings to average equity (ytd only) | 1.0826% | 4,575 |
| Net charge-offs to loans | -0.2659% | 8,186 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7729% | 7,293 |
| Assets per employee ($millions) | 5.2652% | 1,673 |
| Cash dividends to net income (ytd only)* | 88.1954% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4759% | 699 |
| Loan loss allowance to noncurrent loans | 25,450.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 7,632 |
| Noncurrent loans to loans | 0.0097% | 7,513 |
| Net loans and leases to total assets | 49.6672% | 7,058 |
| Net loans and leases to deposits | 58.2132% | 7,195 |
| Net loans and leases to core deposits | 65.0660% | 7,394 |
| Total domestic deposits to total assets | 85.3196% | 2,696 |
| Equity capital to assets | 13.2700% | 1,680 |
| Core capital (leverage) ratio | 13.1277% | 1,511 |
| Tier 1 risk-based capital ratio | 21.5439% | 1,383 |
| Total risk-based capital ratio | 22.8043% | 1,343 |
| Memoranda: | ||
| Average total assets | $119,801,400 | 4,527 |
| Average earning assets | $113,331,400 | 4,438 |
| Average equity | $16,072,400 | 3,915 |
| Average total loans | $56,797,400 | 5,414 |