Home > Farmers State Bank > Performance and Condition Ratios
Farmers State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 2,424 |
| Cost of funding earning assets | 1.6277% | 2,901 |
| Net interest margin | 3.7148% | 1,850 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 3.0339% | 1,083 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.8801% | 2,636 |
| Return on assets (ROA) | 0.8845% | 2,631 |
| Pretax return on assets | 0.8845% | 3,003 |
| Return on Equity (ROE) | 15.2100% | 1,030 |
| Retained earnings to average equity (ytd only) | 9.8678% | 1,209 |
| Net charge-offs to loans | -0.0213% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.5149% | 1,135 |
| Assets per employee ($millions) | 5.4313% | 3,376 |
| Cash dividends to net income (ytd only)* | 35.1097% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,359 |
| Loan loss allowance to noncurrent loans | 237.4501% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 1,808 |
| Noncurrent loans to loans | 0.5827% | 1,687 |
| Net loans and leases to total assets | 64.9900% | 2,392 |
| Net loans and leases to deposits | 73.9607% | 2,563 |
| Net loans and leases to core deposits | 80.2359% | 2,679 |
| Total domestic deposits to total assets | 87.8700% | 1,606 |
| Equity capital to assets | 6.2129% | 4,217 |
| Core capital (leverage) ratio | 8.9123% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2322% | 1,770 |
| Memoranda: | ||
| Average total assets | $721,315,000 | 1,334 |
| Average earning assets | $672,340,000 | 1,336 |
| Average equity | $41,954,500 | 1,961 |
| Average total loans | $470,134,500 | 1,374 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 2,812 |
| Cost of funding earning assets | 1.8453% | 2,610 |
| Net interest margin | 3.3208% | 2,461 |
| Noninterest income to average assets | 0.4300% | 2,281 |
| Noninterest expense to average assets | 3.0208% | 1,114 |
| Loan and lease loss provision to assets | -0.0200% | 4,147 |
| Net operating income to assets | 0.5322% | 3,393 |
| Return on assets (ROA) | 0.5322% | 3,410 |
| Pretax return on assets | 0.5322% | 3,590 |
| Return on Equity (ROE) | 9.9100% | 2,171 |
| Retained earnings to average equity (ytd only) | 5.2304% | 2,140 |
| Net charge-offs to loans | -0.0306% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.4849% | 710 |
| Assets per employee ($millions) | 5.3360% | 3,413 |
| Cash dividends to net income (ytd only)* | 47.2050% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,326 |
| Loan loss allowance to noncurrent loans | 181.3928% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 1,449 |
| Noncurrent loans to loans | 0.7674% | 1,294 |
| Net loans and leases to total assets | 63.5700% | 2,610 |
| Net loans and leases to deposits | 73.3763% | 2,704 |
| Net loans and leases to core deposits | 79.6897% | 2,797 |
| Total domestic deposits to total assets | 86.6300% | 1,988 |
| Equity capital to assets | 5.4247% | 4,296 |
| Core capital (leverage) ratio | 8.5627% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1146% | 1,820 |
| Memoranda: | ||
| Average total assets | $726,030,800 | 1,313 |
| Average earning assets | $679,496,800 | 1,305 |
| Average equity | $39,003,000 | 2,015 |
| Average total loans | $468,067,000 | 1,365 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 2,884 |
| Cost of funding earning assets | 1.8517% | 2,591 |
| Net interest margin | 3.2370% | 2,601 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 3.1153% | 949 |
| Loan and lease loss provision to assets | -0.0200% | 4,186 |
| Net operating income to assets | 0.3621% | 3,752 |
| Return on assets (ROA) | 0.3621% | 3,790 |
| Pretax return on assets | 0.3621% | 3,874 |
| Return on Equity (ROE) | 6.7600% | 3,098 |
| Retained earnings to average equity (ytd only) | 0.5071% | 3,848 |
| Net charge-offs to loans | -0.0097% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 90.0866% | 536 |
| Assets per employee ($millions) | 5.3819% | 3,377 |
| Cash dividends to net income (ytd only)* | 92.4949% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,467 |
| Loan loss allowance to noncurrent loans | 320.5282% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 2,127 |
| Noncurrent loans to loans | 0.4254% | 2,013 |
| Net loans and leases to total assets | 63.5800% | 2,576 |
| Net loans and leases to deposits | 75.0970% | 2,604 |
| Net loans and leases to core deposits | 81.5927% | 2,715 |
| Total domestic deposits to total assets | 84.6700% | 2,402 |
| Equity capital to assets | 5.9937% | 4,337 |
| Core capital (leverage) ratio | 8.4410% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8130% | 1,973 |
| Memoranda: | ||
| Average total assets | $726,114,000 | 1,306 |
| Average earning assets | $680,355,750 | 1,296 |
| Average equity | $38,912,000 | 2,022 |
| Average total loans | $468,128,250 | 1,359 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 2,941 |
| Cost of funding earning assets | 1.8385% | 2,529 |
| Net interest margin | 3.1658% | 2,700 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 3.1459% | 893 |
| Loan and lease loss provision to assets | -0.0300% | 4,261 |
| Net operating income to assets | 0.2571% | 3,915 |
| Return on assets (ROA) | 0.2571% | 3,953 |
| Pretax return on assets | 0.2571% | 3,993 |
| Return on Equity (ROE) | 5.0000% | 3,513 |
| Retained earnings to average equity (ytd only) | -3.3173% | 4,233 |
| Net charge-offs to loans | -0.0099% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 93.3535% | 452 |
| Assets per employee ($millions) | 5.2257% | 3,431 |
| Cash dividends to net income (ytd only)* | 166.3802% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 1,393 |
| Loan loss allowance to noncurrent loans | 263.8409% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 1,778 |
| Noncurrent loans to loans | 0.5292% | 1,686 |
| Net loans and leases to total assets | 64.3000% | 2,533 |
| Net loans and leases to deposits | 76.4898% | 2,505 |
| Net loans and leases to core deposits | 83.0891% | 2,597 |
| Total domestic deposits to total assets | 84.0700% | 2,602 |
| Equity capital to assets | 5.1849% | 4,349 |
| Core capital (leverage) ratio | 8.4699% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7636% | 1,973 |
| Memoranda: | ||
| Average total assets | $724,171,667 | 1,312 |
| Average earning assets | $678,824,667 | 1,294 |
| Average equity | $37,259,333 | 2,051 |
| Average total loans | $466,895,333 | 1,372 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 2,728 |
| Cost of funding earning assets | 1.8905% | 2,272 |
| Net interest margin | 3.1431% | 2,684 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 3.0785% | 1,002 |
| Loan and lease loss provision to assets | -0.0700% | 4,384 |
| Net operating income to assets | 0.3092% | 3,799 |
| Return on assets (ROA) | 0.3092% | 3,828 |
| Pretax return on assets | 0.3092% | 3,908 |
| Return on Equity (ROE) | 6.0300% | 3,208 |
| Retained earnings to average equity (ytd only) | -9.3995% | 4,291 |
| Net charge-offs to loans | -0.0069% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 92.6817% | 488 |
| Assets per employee ($millions) | 5.3119% | 3,418 |
| Cash dividends to net income (ytd only)* | 255.7932% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,386 |
| Loan loss allowance to noncurrent loans | 292.5000% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 1,895 |
| Noncurrent loans to loans | 0.4793% | 1,730 |
| Net loans and leases to total assets | 62.8600% | 2,578 |
| Net loans and leases to deposits | 76.7815% | 2,356 |
| Net loans and leases to core deposits | 82.8769% | 2,513 |
| Total domestic deposits to total assets | 81.8700% | 3,200 |
| Equity capital to assets | 4.7932% | 4,395 |
| Core capital (leverage) ratio | 8.1320% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6250% | 2,024 |
| Memoranda: | ||
| Average total assets | $725,683,000 | 1,311 |
| Average earning assets | $680,464,000 | 1,293 |
| Average equity | $37,193,500 | 2,043 |
| Average total loans | $465,193,000 | 1,368 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 3,055 |
| Cost of funding earning assets | 1.2157% | 2,761 |
| Net interest margin | 3.3068% | 2,618 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 3.0685% | 1,017 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.5924% | 3,456 |
| Return on assets (ROA) | 0.5855% | 3,473 |
| Pretax return on assets | 0.5855% | 3,663 |
| Return on Equity (ROE) | 12.2400% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.5548% | 2,392 |
| Net charge-offs to loans | -0.0336% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.3498% | 646 |
| Assets per employee ($millions) | 5.1309% | 3,537 |
| Cash dividends to net income (ytd only)* | 54.6260% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 1,319 |
| Loan loss allowance to noncurrent loans | 325.3465% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 1,820 |
| Noncurrent loans to loans | 0.4363% | 1,690 |
| Net loans and leases to total assets | 63.5500% | 2,502 |
| Net loans and leases to deposits | 75.4397% | 2,509 |
| Net loans and leases to core deposits | 80.9477% | 2,655 |
| Total domestic deposits to total assets | 84.2300% | 2,552 |
| Equity capital to assets | 5.4643% | 4,344 |
| Core capital (leverage) ratio | 8.4549% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7992% | 1,936 |
| Memoranda: | ||
| Average total assets | $694,157,200 | 1,320 |
| Average earning assets | $648,757,600 | 1,304 |
| Average equity | $33,196,800 | 2,134 |
| Average total loans | $440,821,400 | 1,368 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 3,119 |
| Cost of funding earning assets | 1.0973% | 2,750 |
| Net interest margin | 3.2945% | 2,694 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.1321% | 892 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.5793% | 3,600 |
| Return on assets (ROA) | 0.5817% | 3,576 |
| Pretax return on assets | 0.5817% | 3,770 |
| Return on Equity (ROE) | 12.6300% | 1,970 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,344 |
| Net charge-offs to loans | -0.0340% | 4,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.1013% | 558 |
| Assets per employee ($millions) | 5.1439% | 3,481 |
| Cash dividends to net income (ytd only)* | 71.1193% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4234% | 1,359 |
| Loan loss allowance to noncurrent loans | 262.2392% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 1,635 |
| Noncurrent loans to loans | 0.5428% | 1,468 |
| Net loans and leases to total assets | 63.3000% | 2,528 |
| Net loans and leases to deposits | 73.9000% | 2,572 |
| Net loans and leases to core deposits | 78.8122% | 2,689 |
| Total domestic deposits to total assets | 85.6500% | 2,294 |
| Equity capital to assets | 4.0631% | 4,397 |
| Core capital (leverage) ratio | 8.4414% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4739% | 2,087 |
| Memoranda: | ||
| Average total assets | $688,116,250 | 1,323 |
| Average earning assets | $642,677,750 | 1,307 |
| Average equity | $31,683,250 | 2,181 |
| Average total loans | $435,267,750 | 1,374 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 3,185 |
| Cost of funding earning assets | 0.9542% | 2,756 |
| Net interest margin | 3.3033% | 2,741 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 3.1342% | 860 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6358% | 3,496 |
| Return on assets (ROA) | 0.6393% | 3,499 |
| Pretax return on assets | 0.6393% | 3,724 |
| Return on Equity (ROE) | 13.3400% | 1,832 |
| Retained earnings to average equity (ytd only) | 3.7530% | 3,267 |
| Net charge-offs to loans | -0.0271% | 4,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.0706% | 654 |
| Assets per employee ($millions) | 5.0238% | 3,578 |
| Cash dividends to net income (ytd only)* | 71.8563% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4729% | 1,268 |
| Loan loss allowance to noncurrent loans | 256.8832% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 1,458 |
| Noncurrent loans to loans | 0.5734% | 1,305 |
| Net loans and leases to total assets | 62.7300% | 2,504 |
| Net loans and leases to deposits | 73.8584% | 2,510 |
| Net loans and leases to core deposits | 78.7233% | 2,568 |
| Total domestic deposits to total assets | 84.9400% | 2,559 |
| Equity capital to assets | 4.8017% | 4,407 |
| Core capital (leverage) ratio | 8.6947% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5041% | 2,093 |
| Memoranda: | ||
| Average total assets | $679,153,667 | 1,330 |
| Average earning assets | $633,855,000 | 1,315 |
| Average equity | $32,560,667 | 2,162 |
| Average total loans | $427,315,333 | 1,380 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 3,170 |
| Cost of funding earning assets | 0.7357% | 2,943 |
| Net interest margin | 3.4010% | 2,633 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.2485% | 746 |
| Loan and lease loss provision to assets | -0.1400% | 4,599 |
| Net operating income to assets | 0.4514% | 4,002 |
| Return on assets (ROA) | 0.4587% | 3,935 |
| Pretax return on assets | 0.4587% | 4,045 |
| Return on Equity (ROE) | 9.5700% | 2,907 |
| Retained earnings to average equity (ytd only) | -4.3726% | 4,303 |
| Net charge-offs to loans | -0.0347% | 4,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 91.3662% | 323 |
| Assets per employee ($millions) | 5.0119% | 3,652 |
| Cash dividends to net income (ytd only)* | 145.6693% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,258 |
| Loan loss allowance to noncurrent loans | 258.6613% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,412 |
| Noncurrent loans to loans | 0.5798% | 1,283 |
| Net loans and leases to total assets | 61.9000% | 2,473 |
| Net loans and leases to deposits | 69.6255% | 2,646 |
| Net loans and leases to core deposits | 73.2906% | 2,734 |
| Total domestic deposits to total assets | 88.9000% | 1,581 |
| Equity capital to assets | 5.0619% | 4,410 |
| Core capital (leverage) ratio | 8.6478% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7412% | 2,067 |
| Memoranda: | ||
| Average total assets | $664,551,500 | 1,377 |
| Average earning assets | $619,811,000 | 1,363 |
| Average equity | $31,834,500 | 2,221 |
| Average total loans | $415,465,500 | 1,431 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 2,029 |
| Cost of funding earning assets | 0.1382% | 4,185 |
| Net interest margin | 3.7448% | 1,275 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 3.0648% | 879 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.8108% | 3,288 |
| Return on assets (ROA) | 0.8106% | 3,219 |
| Pretax return on assets | 0.8106% | 3,599 |
| Return on Equity (ROE) | 13.2900% | 1,713 |
| Retained earnings to average equity (ytd only) | 2.3100% | 3,915 |
| Net charge-offs to loans | -0.1093% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.4533% | 966 |
| Assets per employee ($millions) | 4.6943% | 3,900 |
| Cash dividends to net income (ytd only)* | 82.6170% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 723 |
| Loan loss allowance to noncurrent loans | 286.9758% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 1,350 |
| Noncurrent loans to loans | 0.6112% | 1,222 |
| Net loans and leases to total assets | 61.1000% | 2,542 |
| Net loans and leases to deposits | 65.9306% | 2,894 |
| Net loans and leases to core deposits | 68.2911% | 2,992 |
| Total domestic deposits to total assets | 92.6700% | 473 |
| Equity capital to assets | 4.5088% | 4,460 |
| Core capital (leverage) ratio | 8.7875% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0372% | 1,965 |
| Memoranda: | ||
| Average total assets | $645,811,200 | 1,391 |
| Average earning assets | $603,343,600 | 1,381 |
| Average equity | $39,394,400 | 1,938 |
| Average total loans | $376,179,000 | 1,474 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 1,771 |
| Cost of funding earning assets | 0.0731% | 4,467 |
| Net interest margin | 3.7259% | 1,080 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.0705% | 828 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.8549% | 3,047 |
| Return on assets (ROA) | 0.8538% | 3,028 |
| Pretax return on assets | 0.8538% | 3,461 |
| Return on Equity (ROE) | 13.1300% | 1,661 |
| Retained earnings to average equity (ytd only) | -0.1592% | 4,361 |
| Net charge-offs to loans | -0.1782% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 75.8617% | 1,091 |
| Assets per employee ($millions) | 4.7038% | 3,908 |
| Cash dividends to net income (ytd only)* | 101.2121% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 761 |
| Loan loss allowance to noncurrent loans | 250.9598% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 1,282 |
| Noncurrent loans to loans | 0.7080% | 1,154 |
| Net loans and leases to total assets | 59.0100% | 2,600 |
| Net loans and leases to deposits | 62.0557% | 3,019 |
| Net loans and leases to core deposits | 63.6991% | 3,144 |
| Total domestic deposits to total assets | 95.0900% | 206 |
| Equity capital to assets | 4.2178% | 4,451 |
| Core capital (leverage) ratio | 8.7191% | 3,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1522% | 1,993 |
| Memoranda: | ||
| Average total assets | $644,138,750 | 1,392 |
| Average earning assets | $602,144,000 | 1,387 |
| Average equity | $41,888,000 | 1,888 |
| Average total loans | $368,781,000 | 1,485 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 1,521 |
| Cost of funding earning assets | 0.0636% | 4,501 |
| Net interest margin | 3.6434% | 1,003 |
| Noninterest income to average assets | 0.6220% | 1,644 |
| Noninterest expense to average assets | 2.9993% | 838 |
| Loan and lease loss provision to assets | 0.0887% | 1,110 |
| Net operating income to assets | 0.9389% | 2,406 |
| Return on assets (ROA) | 0.9389% | 2,381 |
| Pretax return on assets | 0.9389% | 2,931 |
| Return on Equity (ROE) | 12.9098% | 1,402 |
| Retained earnings to average equity (ytd only) | -1.1086% | 4,303 |
| Net charge-offs to loans | -0.2378% | 4,615 |
| Credit loss provision to net charge-offs | -66.2791% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4821% | 1,457 |
| Assets per employee ($millions) | 4.6778% | 3,949 |
| Cash dividends to net income (ytd only)* | 108.5875% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 939 |
| Loan loss allowance to noncurrent loans | 222.1808% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,235 |
| Noncurrent loans to loans | 0.7726% | 1,106 |
| Net loans and leases to total assets | 58.1940% | 2,512 |
| Net loans and leases to deposits | 62.1329% | 2,882 |
| Net loans and leases to core deposits | 63.7888% | 2,989 |
| Total domestic deposits to total assets | 93.6605% | 354 |
| Equity capital to assets | 5.3882% | 4,399 |
| Core capital (leverage) ratio | 8.9172% | 3,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3361% | 1,925 |
| Memoranda: | ||
| Average total assets | $642,475,667 | 1,402 |
| Average earning assets | $600,433,000 | 1,404 |
| Average equity | $46,724,333 | 1,771 |
| Average total loans | $361,719,667 | 1,495 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 1,660 |
| Cost of funding earning assets | 0.0668% | 4,483 |
| Net interest margin | 3.4775% | 1,132 |
| Noninterest income to average assets | 0.6578% | 1,455 |
| Noninterest expense to average assets | 2.9032% | 949 |
| Loan and lease loss provision to assets | 0.1935% | 379 |
| Net operating income to assets | 0.8101% | 2,633 |
| Return on assets (ROA) | 0.8101% | 2,625 |
| Pretax return on assets | 0.8101% | 3,086 |
| Return on Equity (ROE) | 9.8529% | 2,020 |
| Retained earnings to average equity (ytd only) | 1.5030% | 3,690 |
| Net charge-offs to loans | -0.0148% | 3,758 |
| Credit loss provision to net charge-offs | -2,384.6154% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3131% | 1,708 |
| Assets per employee ($millions) | 4.7668% | 3,952 |
| Cash dividends to net income (ytd only)* | 84.7458% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,020 |
| Loan loss allowance to noncurrent loans | 243.4491% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 1,512 |
| Noncurrent loans to loans | 0.7063% | 1,345 |
| Net loans and leases to total assets | 55.2028% | 2,609 |
| Net loans and leases to deposits | 60.3427% | 2,873 |
| Net loans and leases to core deposits | 62.0047% | 2,971 |
| Total domestic deposits to total assets | 91.4822% | 809 |
| Equity capital to assets | 7.1547% | 4,124 |
| Core capital (leverage) ratio | 9.2241% | 3,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1144% | 1,765 |
| Memoranda: | ||
| Average total assets | $640,943,000 | 1,408 |
| Average earning assets | $598,820,500 | 1,415 |
| Average equity | $52,695,000 | 1,659 |
| Average total loans | $351,466,000 | 1,518 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7487% | 1,982 |
| Cost of funding earning assets | 0.1026% | 4,365 |
| Net interest margin | 3.6460% | 1,349 |
| Noninterest income to average assets | 0.9079% | 1,182 |
| Noninterest expense to average assets | 2.9395% | 1,080 |
| Loan and lease loss provision to assets | 0.0015% | 3,041 |
| Net operating income to assets | 1.3559% | 1,423 |
| Return on assets (ROA) | 1.4691% | 1,143 |
| Pretax return on assets | 1.4691% | 1,819 |
| Return on Equity (ROE) | 16.0665% | 751 |
| Retained earnings to average equity (ytd only) | 11.4625% | 621 |
| Net charge-offs to loans | -0.1014% | 4,587 |
| Credit loss provision to net charge-offs | -2.5937% | 3,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4102% | 1,927 |
| Assets per employee ($millions) | 4.6944% | 3,972 |
| Cash dividends to net income (ytd only)* | 28.6563% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6987% | 1,048 |
| Loan loss allowance to noncurrent loans | 408.5255% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 2,445 |
| Noncurrent loans to loans | 0.4158% | 2,110 |
| Net loans and leases to total assets | 52.6030% | 3,001 |
| Net loans and leases to deposits | 58.9864% | 3,174 |
| Net loans and leases to core deposits | 60.6041% | 3,277 |
| Total domestic deposits to total assets | 89.1783% | 1,425 |
| Equity capital to assets | 9.2810% | 3,339 |
| Core capital (leverage) ratio | 9.1552% | 3,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7647% | 1,592 |
| Memoranda: | ||
| Average total assets | $606,910,000 | 1,435 |
| Average earning assets | $564,119,600 | 1,445 |
| Average equity | $55,494,200 | 1,618 |
| Average total loans | $342,366,400 | 1,547 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 2,145 |
| Cost of funding earning assets | 0.1096% | 4,425 |
| Net interest margin | 3.6404% | 1,492 |
| Noninterest income to average assets | 0.9768% | 1,112 |
| Noninterest expense to average assets | 2.8762% | 1,175 |
| Loan and lease loss provision to assets | 0.0032% | 2,906 |
| Net operating income to assets | 1.4759% | 1,326 |
| Return on assets (ROA) | 1.6291% | 1,007 |
| Pretax return on assets | 1.6291% | 1,608 |
| Return on Equity (ROE) | 17.8890% | 641 |
| Retained earnings to average equity (ytd only) | 12.5015% | 723 |
| Net charge-offs to loans | -0.0569% | 4,409 |
| Credit loss provision to net charge-offs | -9.5890% | 3,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0402% | 2,093 |
| Assets per employee ($millions) | 4.8073% | 3,883 |
| Cash dividends to net income (ytd only)* | 30.1164% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,213 |
| Loan loss allowance to noncurrent loans | 390.1934% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 2,645 |
| Noncurrent loans to loans | 0.4242% | 2,294 |
| Net loans and leases to total assets | 52.5082% | 3,142 |
| Net loans and leases to deposits | 59.1598% | 3,315 |
| Net loans and leases to core deposits | 60.9006% | 3,409 |
| Total domestic deposits to total assets | 88.7566% | 1,430 |
| Equity capital to assets | 9.4183% | 3,451 |
| Core capital (leverage) ratio | 9.2348% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8532% | 1,665 |
| Memoranda: | ||
| Average total assets | $597,854,500 | 1,469 |
| Average earning assets | $554,828,500 | 1,479 |
| Average equity | $54,445,500 | 1,666 |
| Average total loans | $341,919,750 | 1,576 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 2,029 |
| Cost of funding earning assets | 0.1207% | 4,437 |
| Net interest margin | 3.6940% | 1,364 |
| Noninterest income to average assets | 1.1044% | 925 |
| Noninterest expense to average assets | 2.9208% | 1,114 |
| Loan and lease loss provision to assets | 0.0233% | 2,506 |
| Net operating income to assets | 1.5873% | 1,075 |
| Return on assets (ROA) | 1.8226% | 711 |
| Pretax return on assets | 1.8226% | 1,184 |
| Return on Equity (ROE) | 20.2661% | 437 |
| Retained earnings to average equity (ytd only) | 11.8885% | 945 |
| Net charge-offs to loans | -0.0602% | 4,446 |
| Credit loss provision to net charge-offs | -66.0194% | 3,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4574% | 2,368 |
| Assets per employee ($millions) | 4.7647% | 3,869 |
| Cash dividends to net income (ytd only)* | 41.3378% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,212 |
| Loan loss allowance to noncurrent loans | 437.1429% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 2,657 |
| Noncurrent loans to loans | 0.3726% | 2,567 |
| Net loans and leases to total assets | 55.6228% | 2,947 |
| Net loans and leases to deposits | 62.4203% | 3,162 |
| Net loans and leases to core deposits | 64.4346% | 3,252 |
| Total domestic deposits to total assets | 89.1101% | 1,223 |
| Equity capital to assets | 9.4963% | 3,330 |
| Core capital (leverage) ratio | 9.1559% | 3,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5269% | 1,794 |
| Memoranda: | ||
| Average total assets | $584,015,333 | 1,496 |
| Average earning assets | $541,799,667 | 1,504 |
| Average equity | $52,521,333 | 1,705 |
| Average total loans | $342,102,000 | 1,590 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 1,842 |
| Cost of funding earning assets | 0.1357% | 4,411 |
| Net interest margin | 3.7585% | 1,224 |
| Noninterest income to average assets | 1.2041% | 849 |
| Noninterest expense to average assets | 2.9836% | 1,024 |
| Loan and lease loss provision to assets | 0.0302% | 2,384 |
| Net operating income to assets | 1.6768% | 979 |
| Return on assets (ROA) | 2.1600% | 483 |
| Pretax return on assets | 2.1600% | 735 |
| Return on Equity (ROE) | 24.7671% | 267 |
| Retained earnings to average equity (ytd only) | 15.7345% | 549 |
| Net charge-offs to loans | -0.0695% | 4,513 |
| Credit loss provision to net charge-offs | -72.8814% | 2,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6077% | 2,516 |
| Assets per employee ($millions) | 4.4099% | 4,187 |
| Cash dividends to net income (ytd only)* | 36.4702% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 1,191 |
| Loan loss allowance to noncurrent loans | 418.5629% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 2,465 |
| Noncurrent loans to loans | 0.3920% | 2,695 |
| Net loans and leases to total assets | 58.0312% | 2,799 |
| Net loans and leases to deposits | 64.2768% | 3,100 |
| Net loans and leases to core deposits | 66.3599% | 3,210 |
| Total domestic deposits to total assets | 90.2832% | 677 |
| Equity capital to assets | 8.4683% | 4,141 |
| Core capital (leverage) ratio | 8.4205% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0545% | 2,272 |
| Memoranda: | ||
| Average total assets | $568,702,000 | 1,518 |
| Average earning assets | $527,556,000 | 1,521 |
| Average equity | $49,598,000 | 1,777 |
| Average total loans | $339,382,000 | 1,599 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4926% | 1,330 |
| Cost of funding earning assets | 0.2903% | 4,198 |
| Net interest margin | 4.2023% | 633 |
| Noninterest income to average assets | 0.8708% | 1,347 |
| Noninterest expense to average assets | 3.3749% | 816 |
| Loan and lease loss provision to assets | 0.2339% | 1,665 |
| Net operating income to assets | 1.1416% | 1,759 |
| Return on assets (ROA) | 1.1745% | 1,749 |
| Pretax return on assets | 1.1745% | 2,420 |
| Return on Equity (ROE) | 12.2111% | 1,262 |
| Retained earnings to average equity (ytd only) | 6.1580% | 1,730 |
| Net charge-offs to loans | 0.0003% | 3,435 |
| Credit loss provision to net charge-offs | 115,900.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 6,816.0000% | 11 |
| Efficiency ratio | 71.0450% | 1,805 |
| Assets per employee ($millions) | 4.3055% | 4,113 |
| Cash dividends to net income (ytd only)* | 49.5704% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 1,229 |
| Loan loss allowance to noncurrent loans | 324.6600% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3605% | 2,543 |
| Noncurrent loans to loans | 0.5004% | 2,470 |
| Net loans and leases to total assets | 59.3949% | 2,937 |
| Net loans and leases to deposits | 66.5928% | 3,218 |
| Net loans and leases to core deposits | 68.9362% | 3,339 |
| Total domestic deposits to total assets | 89.1912% | 903 |
| Equity capital to assets | 8.9823% | 4,072 |
| Core capital (leverage) ratio | 8.3391% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7323% | 2,340 |
| Memoranda: | ||
| Average total assets | $495,542,000 | 1,563 |
| Average earning assets | $457,484,200 | 1,570 |
| Average equity | $47,661,600 | 1,768 |
| Average total loans | $316,992,800 | 1,625 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 1,381 |
| Cost of funding earning assets | 0.3309% | 4,150 |
| Net interest margin | 4.2437% | 668 |
| Noninterest income to average assets | 0.8756% | 1,294 |
| Noninterest expense to average assets | 3.4571% | 746 |
| Loan and lease loss provision to assets | 0.3072% | 1,303 |
| Net operating income to assets | 1.0272% | 2,228 |
| Return on assets (ROA) | 1.0725% | 2,204 |
| Pretax return on assets | 1.0725% | 2,847 |
| Return on Equity (ROE) | 10.9397% | 1,702 |
| Retained earnings to average equity (ytd only) | 3.1540% | 3,451 |
| Net charge-offs to loans | 0.0389% | 2,071 |
| Credit loss provision to net charge-offs | 1,214.2857% | 729 |
| Earnings coverage of net charge-offs (x) | 52.7363% | 1,160 |
| Efficiency ratio | 72.1506% | 1,626 |
| Assets per employee ($millions) | 4.1530% | 4,189 |
| Cash dividends to net income (ytd only)* | 71.1693% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,108 |
| Loan loss allowance to noncurrent loans | 241.1367% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.5269% | 2,122 |
| Noncurrent loans to loans | 0.6632% | 2,130 |
| Net loans and leases to total assets | 62.3710% | 2,959 |
| Net loans and leases to deposits | 69.7632% | 3,331 |
| Net loans and leases to core deposits | 72.8159% | 3,409 |
| Total domestic deposits to total assets | 89.4039% | 615 |
| Equity capital to assets | 9.1404% | 4,008 |
| Core capital (leverage) ratio | 8.5460% | 4,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7202% | 2,315 |
| Memoranda: | ||
| Average total assets | $479,499,750 | 1,588 |
| Average earning assets | $442,462,500 | 1,601 |
| Average equity | $47,008,250 | 1,777 |
| Average total loans | $311,758,500 | 1,637 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6744% | 1,463 |
| Cost of funding earning assets | 0.3610% | 4,221 |
| Net interest margin | 4.3134% | 733 |
| Noninterest income to average assets | 0.8427% | 1,312 |
| Noninterest expense to average assets | 3.5286% | 727 |
| Loan and lease loss provision to assets | 0.4099% | 978 |
| Net operating income to assets | 0.8845% | 2,755 |
| Return on assets (ROA) | 0.9467% | 2,638 |
| Pretax return on assets | 0.9467% | 3,189 |
| Return on Equity (ROE) | 9.4147% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.3596% | 2,326 |
| Net charge-offs to loans | 0.0388% | 1,967 |
| Credit loss provision to net charge-offs | 1,610.1695% | 572 |
| Earnings coverage of net charge-offs (x) | 50.8475% | 1,091 |
| Efficiency ratio | 73.1616% | 1,546 |
| Assets per employee ($millions) | 4.0474% | 4,260 |
| Cash dividends to net income (ytd only)* | 43.0720% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 963 |
| Loan loss allowance to noncurrent loans | 293.0976% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 2,470 |
| Noncurrent loans to loans | 0.5525% | 2,513 |
| Net loans and leases to total assets | 62.7186% | 3,048 |
| Net loans and leases to deposits | 71.6362% | 3,296 |
| Net loans and leases to core deposits | 75.2273% | 3,354 |
| Total domestic deposits to total assets | 87.5516% | 1,401 |
| Equity capital to assets | 9.6263% | 3,544 |
| Core capital (leverage) ratio | 9.1897% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2492% | 2,084 |
| Memoranda: | ||
| Average total assets | $463,523,667 | 1,618 |
| Average earning assets | $427,732,000 | 1,625 |
| Average equity | $46,608,000 | 1,778 |
| Average total loans | $304,242,000 | 1,652 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6779% | 1,786 |
| Cost of funding earning assets | 0.4085% | 4,335 |
| Net interest margin | 4.2694% | 810 |
| Noninterest income to average assets | 0.8311% | 1,221 |
| Noninterest expense to average assets | 3.7936% | 627 |
| Loan and lease loss provision to assets | 0.4069% | 748 |
| Net operating income to assets | 0.5625% | 3,701 |
| Return on assets (ROA) | 0.5625% | 3,768 |
| Pretax return on assets | 0.5625% | 3,996 |
| Return on Equity (ROE) | 5.4608% | 3,485 |
| Retained earnings to average equity (ytd only) | -1.2994% | 4,176 |
| Net charge-offs to loans | 0.0366% | 1,685 |
| Credit loss provision to net charge-offs | 1,666.6667% | 388 |
| Earnings coverage of net charge-offs (x) | 39.7037% | 1,036 |
| Efficiency ratio | 79.6469% | 1,177 |
| Assets per employee ($millions) | 3.5288% | 4,459 |
| Cash dividends to net income (ytd only)* | 123.7942% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,118 |
| Loan loss allowance to noncurrent loans | 211.1012% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5779% | 2,269 |
| Noncurrent loans to loans | 0.7491% | 2,130 |
| Net loans and leases to total assets | 66.0188% | 2,811 |
| Net loans and leases to deposits | 75.3190% | 3,138 |
| Net loans and leases to core deposits | 79.9105% | 3,206 |
| Total domestic deposits to total assets | 87.6522% | 1,250 |
| Equity capital to assets | 10.3690% | 3,459 |
| Core capital (leverage) ratio | 9.7634% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2884% | 2,156 |
| Memoranda: | ||
| Average total assets | $442,321,500 | 1,640 |
| Average earning assets | $407,362,500 | 1,643 |
| Average equity | $45,561,000 | 1,801 |
| Average total loans | $295,096,000 | 1,661 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 1,997 |
| Cost of funding earning assets | 0.3730% | 4,532 |
| Net interest margin | 4.4417% | 819 |
| Noninterest income to average assets | 1.0165% | 941 |
| Noninterest expense to average assets | 3.7818% | 687 |
| Loan and lease loss provision to assets | 0.1305% | 1,638 |
| Net operating income to assets | 1.1852% | 2,113 |
| Return on assets (ROA) | 1.1866% | 2,206 |
| Pretax return on assets | 1.1866% | 2,885 |
| Return on Equity (ROE) | 11.7946% | 1,586 |
| Retained earnings to average equity (ytd only) | 8.6526% | 794 |
| Net charge-offs to loans | 0.0295% | 2,807 |
| Credit loss provision to net charge-offs | 675.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 68.0500% | 899 |
| Efficiency ratio | 74.1893% | 1,584 |
| Assets per employee ($millions) | 3.4370% | 4,534 |
| Cash dividends to net income (ytd only)* | 26.6395% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,245 |
| Loan loss allowance to noncurrent loans | 212.4080% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,166 |
| Noncurrent loans to loans | 0.7042% | 2,116 |
| Net loans and leases to total assets | 65.3471% | 3,032 |
| Net loans and leases to deposits | 74.4862% | 3,307 |
| Net loans and leases to core deposits | 78.7253% | 3,394 |
| Total domestic deposits to total assets | 87.7304% | 1,258 |
| Equity capital to assets | 10.2297% | 3,698 |
| Core capital (leverage) ratio | 9.8380% | 3,689 |
| Tier 1 risk-based capital ratio | 13.6485% | 3,435 |
| Total risk-based capital ratio | 14.9000% | 3,349 |
| Memoranda: | ||
| Average total assets | $413,772,200 | 1,698 |
| Average earning assets | $380,172,200 | 1,708 |
| Average equity | $41,629,200 | 1,864 |
| Average total loans | $270,760,200 | 1,727 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8347% | 2,014 |
| Cost of funding earning assets | 0.3592% | 4,631 |
| Net interest margin | 4.4755% | 811 |
| Noninterest income to average assets | 1.0687% | 803 |
| Noninterest expense to average assets | 3.9317% | 570 |
| Loan and lease loss provision to assets | 0.0882% | 2,143 |
| Net operating income to assets | 1.1559% | 2,340 |
| Return on assets (ROA) | 1.1579% | 2,426 |
| Pretax return on assets | 1.1579% | 3,109 |
| Return on Equity (ROE) | 11.5606% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.2939% | 1,717 |
| Net charge-offs to loans | 0.0231% | 2,640 |
| Credit loss provision to net charge-offs | 586.9565% | 552 |
| Earnings coverage of net charge-offs (x) | 82.7851% | 844 |
| Efficiency ratio | 75.9626% | 1,335 |
| Assets per employee ($millions) | 3.2984% | 4,671 |
| Cash dividends to net income (ytd only)* | 36.9075% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,281 |
| Loan loss allowance to noncurrent loans | 217.7565% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,351 |
| Noncurrent loans to loans | 0.6822% | 2,255 |
| Net loans and leases to total assets | 63.8352% | 3,303 |
| Net loans and leases to deposits | 73.5340% | 3,516 |
| Net loans and leases to core deposits | 77.4935% | 3,591 |
| Total domestic deposits to total assets | 86.8105% | 1,614 |
| Equity capital to assets | 10.2097% | 3,809 |
| Core capital (leverage) ratio | 9.8768% | 3,759 |
| Tier 1 risk-based capital ratio | 13.6407% | 3,509 |
| Total risk-based capital ratio | 14.8919% | 3,409 |
| Memoranda: | ||
| Average total assets | $408,091,750 | 1,730 |
| Average earning assets | $374,507,500 | 1,739 |
| Average equity | $40,873,500 | 1,900 |
| Average total loans | $266,058,500 | 1,757 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 2,185 |
| Cost of funding earning assets | 0.3414% | 4,706 |
| Net interest margin | 4.4191% | 912 |
| Noninterest income to average assets | 1.0286% | 823 |
| Noninterest expense to average assets | 3.9852% | 548 |
| Loan and lease loss provision to assets | 0.1094% | 1,708 |
| Net operating income to assets | 0.9883% | 2,961 |
| Return on assets (ROA) | 0.9913% | 3,025 |
| Pretax return on assets | 0.9913% | 3,578 |
| Return on Equity (ROE) | 9.9657% | 2,408 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,051 |
| Net charge-offs to loans | 0.0190% | 2,491 |
| Credit loss provision to net charge-offs | 880.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 88.3200% | 758 |
| Efficiency ratio | 78.4038% | 1,099 |
| Assets per employee ($millions) | 3.2838% | 4,705 |
| Cash dividends to net income (ytd only)* | 55.5667% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,270 |
| Loan loss allowance to noncurrent loans | 157.2699% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 1,784 |
| Noncurrent loans to loans | 0.9552% | 1,710 |
| Net loans and leases to total assets | 64.4485% | 3,293 |
| Net loans and leases to deposits | 73.4706% | 3,559 |
| Net loans and leases to core deposits | 77.2538% | 3,629 |
| Total domestic deposits to total assets | 87.7201% | 1,236 |
| Equity capital to assets | 10.1146% | 3,874 |
| Core capital (leverage) ratio | 9.8741% | 3,738 |
| Tier 1 risk-based capital ratio | 13.3787% | 3,640 |
| Total risk-based capital ratio | 14.6300% | 3,541 |
| Memoranda: | ||
| Average total assets | $402,290,000 | 1,751 |
| Average earning assets | $369,077,330 | 1,770 |
| Average equity | $40,017,330 | 1,930 |
| Average total loans | $262,840,330 | 1,777 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6200% | 2,468 |
| Cost of funding earning assets | 0.3240% | 4,762 |
| Net interest margin | 4.2960% | 1,098 |
| Noninterest income to average assets | 0.9512% | 914 |
| Noninterest expense to average assets | 3.9561% | 566 |
| Loan and lease loss provision to assets | 0.0454% | 2,741 |
| Net operating income to assets | 0.8957% | 3,250 |
| Return on assets (ROA) | 0.9018% | 3,276 |
| Pretax return on assets | 0.9018% | 3,760 |
| Return on Equity (ROE) | 9.1455% | 2,739 |
| Retained earnings to average equity (ytd only) | -0.6547% | 4,614 |
| Net charge-offs to loans | 0.0247% | 1,955 |
| Credit loss provision to net charge-offs | 281.2500% | 862 |
| Earnings coverage of net charge-offs (x) | 58.3125% | 926 |
| Efficiency ratio | 80.7827% | 982 |
| Assets per employee ($millions) | 3.1548% | 4,869 |
| Cash dividends to net income (ytd only)* | 107.1588% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,367 |
| Loan loss allowance to noncurrent loans | 120.5501% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 1,436 |
| Noncurrent loans to loans | 1.2359% | 1,331 |
| Net loans and leases to total assets | 64.8856% | 3,183 |
| Net loans and leases to deposits | 73.6059% | 3,479 |
| Net loans and leases to core deposits | 77.4058% | 3,567 |
| Total domestic deposits to total assets | 88.1528% | 1,258 |
| Equity capital to assets | 9.8874% | 3,929 |
| Core capital (leverage) ratio | 9.8307% | 3,785 |
| Tier 1 risk-based capital ratio | 13.5835% | 3,566 |
| Total risk-based capital ratio | 14.8348% | 3,478 |
| Memoranda: | ||
| Average total assets | $396,556,500 | 1,781 |
| Average earning assets | $364,243,500 | 1,798 |
| Average equity | $39,101,000 | 1,966 |
| Average total loans | $258,897,000 | 1,814 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 2,340 |
| Cost of funding earning assets | 0.1860% | 5,057 |
| Net interest margin | 4.3518% | 1,029 |
| Noninterest income to average assets | 1.0817% | 794 |
| Noninterest expense to average assets | 4.1223% | 458 |
| Loan and lease loss provision to assets | 0.2833% | 582 |
| Net operating income to assets | 0.3339% | 4,971 |
| Return on assets (ROA) | 0.3353% | 4,962 |
| Pretax return on assets | 0.6670% | 4,496 |
| Return on Equity (ROE) | 3.4138% | 4,838 |
| Retained earnings to average equity (ytd only) | -3.1319% | 5,183 |
| Net charge-offs to loans | 0.0985% | 1,778 |
| Credit loss provision to net charge-offs | 469.9571% | 729 |
| Earnings coverage of net charge-offs (x) | 15.7339% | 2,309 |
| Efficiency ratio | 81.2950% | 860 |
| Assets per employee ($millions) | 3.1398% | 4,895 |
| Cash dividends to net income (ytd only)* | 191.7438% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 1,250 |
| Loan loss allowance to noncurrent loans | 135.2900% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,517 |
| Noncurrent loans to loans | 1.1181% | 1,446 |
| Net loans and leases to total assets | 63.7240% | 3,386 |
| Net loans and leases to deposits | 74.4735% | 3,461 |
| Net loans and leases to core deposits | 76.8029% | 3,654 |
| Total domestic deposits to total assets | 85.5661% | 2,412 |
| Equity capital to assets | 9.8327% | 3,832 |
| Core capital (leverage) ratio | 9.8112% | 3,782 |
| Tier 1 risk-based capital ratio | 13.7728% | 3,404 |
| Total risk-based capital ratio | 15.0242% | 3,332 |
| Memoranda: | ||
| Average total assets | $386,505,600 | 1,772 |
| Average earning assets | $354,287,200 | 1,791 |
| Average equity | $37,963,800 | 1,942 |
| Average total loans | $236,505,600 | 1,905 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,527 |
| Cost of funding earning assets | 0.1651% | 5,166 |
| Net interest margin | 4.2664% | 1,191 |
| Noninterest income to average assets | 1.0917% | 789 |
| Noninterest expense to average assets | 4.1613% | 419 |
| Loan and lease loss provision to assets | 0.2984% | 494 |
| Net operating income to assets | 0.0973% | 5,258 |
| Return on assets (ROA) | 0.0992% | 5,249 |
| Pretax return on assets | 0.5441% | 4,829 |
| Return on Equity (ROE) | 1.0107% | 5,234 |
| Retained earnings to average equity (ytd only) | -7.4174% | 5,358 |
| Net charge-offs to loans | 0.0731% | 1,798 |
| Credit loss provision to net charge-offs | 677.1654% | 542 |
| Earnings coverage of net charge-offs (x) | 19.0629% | 2,025 |
| Efficiency ratio | 83.2027% | 692 |
| Assets per employee ($millions) | 3.0192% | 5,023 |
| Cash dividends to net income (ytd only)* | 833.9243% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4749% | 1,437 |
| Loan loss allowance to noncurrent loans | 167.5470% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7888% | 1,881 |
| Noncurrent loans to loans | 0.8803% | 1,937 |
| Net loans and leases to total assets | 63.2166% | 3,522 |
| Net loans and leases to deposits | 73.1711% | 3,667 |
| Net loans and leases to core deposits | 75.4477% | 3,844 |
| Total domestic deposits to total assets | 86.3956% | 2,018 |
| Equity capital to assets | 9.2480% | 4,325 |
| Core capital (leverage) ratio | 9.7145% | 3,930 |
| Tier 1 risk-based capital ratio | 13.6967% | 3,516 |
| Total risk-based capital ratio | 14.9479% | 3,435 |
| Memoranda: | ||
| Average total assets | $384,229,750 | 1,786 |
| Average earning assets | $352,107,750 | 1,805 |
| Average equity | $37,730,000 | 1,955 |
| Average total loans | $231,639,500 | 1,942 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 2,542 |
| Cost of funding earning assets | 0.1523% | 5,239 |
| Net interest margin | 4.2081% | 1,270 |
| Noninterest income to average assets | 1.0671% | 849 |
| Noninterest expense to average assets | 4.1932% | 413 |
| Loan and lease loss provision to assets | 0.3417% | 389 |
| Net operating income to assets | -0.2928% | 5,413 |
| Return on assets (ROA) | -0.2928% | 5,406 |
| Pretax return on assets | 0.3811% | 5,068 |
| Return on Equity (ROE) | -2.9228% | 5,412 |
| Retained earnings to average equity (ytd only) | -13.5487% | 5,458 |
| Net charge-offs to loans | 0.1079% | 1,288 |
| Credit loss provision to net charge-offs | 537.1901% | 673 |
| Earnings coverage of net charge-offs (x) | 11.3636% | 2,279 |
| Efficiency ratio | 85.2973% | 612 |
| Assets per employee ($millions) | 3.0680% | 5,055 |
| Cash dividends to net income (ytd only)* | -363.5548% | 5,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,449 |
| Loan loss allowance to noncurrent loans | 113.1714% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 1,176 |
| Noncurrent loans to loans | 1.3112% | 1,302 |
| Net loans and leases to total assets | 60.3199% | 3,777 |
| Net loans and leases to deposits | 69.3069% | 3,914 |
| Net loans and leases to core deposits | 71.3408% | 4,059 |
| Total domestic deposits to total assets | 87.0330% | 1,827 |
| Equity capital to assets | 9.5007% | 4,099 |
| Core capital (leverage) ratio | 9.7969% | 3,790 |
| Tier 1 risk-based capital ratio | 14.0133% | 3,353 |
| Total risk-based capital ratio | 15.2643% | 3,272 |
| Memoranda: | ||
| Average total assets | $380,468,670 | 1,812 |
| Average earning assets | $347,999,330 | 1,827 |
| Average equity | $38,114,330 | 1,945 |
| Average total loans | $224,261,670 | 1,995 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,712 |
| Cost of funding earning assets | 0.1385% | 5,321 |
| Net interest margin | 4.1108% | 1,412 |
| Noninterest income to average assets | 1.0737% | 800 |
| Noninterest expense to average assets | 4.3652% | 333 |
| Loan and lease loss provision to assets | 0.4789% | 222 |
| Net operating income to assets | -1.3760% | 5,553 |
| Return on assets (ROA) | -1.3760% | 5,553 |
| Pretax return on assets | -0.0117% | 5,392 |
| Return on Equity (ROE) | -13.3773% | 5,550 |
| Retained earnings to average equity (ytd only) | -34.3278% | 5,561 |
| Net charge-offs to loans | 0.2211% | 678 |
| Credit loss provision to net charge-offs | 375.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 3.6583% | 2,365 |
| Efficiency ratio | 90.3325% | 427 |
| Assets per employee ($millions) | 2.9628% | 5,172 |
| Cash dividends to net income (ytd only)* | -156.6125% | 5,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,443 |
| Loan loss allowance to noncurrent loans | 84.7716% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 930 |
| Noncurrent loans to loans | 1.7764% | 955 |
| Net loans and leases to total assets | 58.0573% | 3,934 |
| Net loans and leases to deposits | 66.2432% | 4,072 |
| Net loans and leases to core deposits | 68.1416% | 4,209 |
| Total domestic deposits to total assets | 87.6427% | 1,828 |
| Equity capital to assets | 9.7380% | 3,851 |
| Core capital (leverage) ratio | 9.7993% | 3,760 |
| Tier 1 risk-based capital ratio | 14.5894% | 3,074 |
| Total risk-based capital ratio | 15.8401% | 2,978 |
| Memoranda: | ||
| Average total assets | $375,885,000 | 1,840 |
| Average earning assets | $343,682,500 | 1,857 |
| Average equity | $38,662,500 | 1,930 |
| Average total loans | $217,108,500 | 2,062 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,218 |
| Cost of funding earning assets | 0.1002% | 5,497 |
| Net interest margin | 3.9563% | 1,897 |
| Noninterest income to average assets | 1.1753% | 747 |
| Noninterest expense to average assets | 3.7941% | 699 |
| Loan and lease loss provision to assets | 0.0392% | 3,484 |
| Net operating income to assets | 0.5555% | 4,209 |
| Return on assets (ROA) | 0.5569% | 4,237 |
| Pretax return on assets | 0.9445% | 3,759 |
| Return on Equity (ROE) | 5.0959% | 4,125 |
| Retained earnings to average equity (ytd only) | 3.6968% | 3,012 |
| Net charge-offs to loans | -0.0590% | 5,229 |
| Credit loss provision to net charge-offs | -126.0870% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4469% | 1,165 |
| Assets per employee ($millions) | 3.1291% | 5,099 |
| Cash dividends to net income (ytd only)* | 27.4538% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,700 |
| Loan loss allowance to noncurrent loans | 82.9658% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 1,064 |
| Noncurrent loans to loans | 1.7079% | 955 |
| Net loans and leases to total assets | 55.7695% | 4,215 |
| Net loans and leases to deposits | 65.0779% | 4,255 |
| Net loans and leases to core deposits | 67.0467% | 4,363 |
| Total domestic deposits to total assets | 85.6966% | 2,576 |
| Equity capital to assets | 10.8346% | 2,798 |
| Core capital (leverage) ratio | 10.8126% | 2,526 |
| Tier 1 risk-based capital ratio | 16.4038% | 2,302 |
| Total risk-based capital ratio | 17.6353% | 2,239 |
| Memoranda: | ||
| Average total assets | $369,523,800 | 1,834 |
| Average earning assets | $336,272,400 | 1,862 |
| Average equity | $40,385,800 | 1,850 |
| Average total loans | $194,763,400 | 2,201 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,388 |
| Cost of funding earning assets | 0.0984% | 5,562 |
| Net interest margin | 3.8930% | 2,065 |
| Noninterest income to average assets | 1.1010% | 840 |
| Noninterest expense to average assets | 3.7249% | 746 |
| Loan and lease loss provision to assets | -0.0105% | 5,456 |
| Net operating income to assets | 0.6811% | 4,070 |
| Return on assets (ROA) | 0.6833% | 4,123 |
| Pretax return on assets | 0.9314% | 3,929 |
| Return on Equity (ROE) | 6.2379% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.6999% | 3,078 |
| Net charge-offs to loans | -0.0616% | 5,229 |
| Credit loss provision to net charge-offs | 32.9545% | 3,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2278% | 1,076 |
| Assets per employee ($millions) | 3.0814% | 5,196 |
| Cash dividends to net income (ytd only)* | 24.6552% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 1,866 |
| Loan loss allowance to noncurrent loans | 70.9808% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 1,041 |
| Noncurrent loans to loans | 1.9786% | 865 |
| Net loans and leases to total assets | 53.3123% | 4,473 |
| Net loans and leases to deposits | 61.6611% | 4,546 |
| Net loans and leases to core deposits | 63.0481% | 4,650 |
| Total domestic deposits to total assets | 86.4602% | 2,110 |
| Equity capital to assets | 11.2032% | 2,668 |
| Core capital (leverage) ratio | 10.9312% | 2,525 |
| Tier 1 risk-based capital ratio | 17.2346% | 2,080 |
| Total risk-based capital ratio | 18.4438% | 2,051 |
| Memoranda: | ||
| Average total assets | $368,032,250 | 1,853 |
| Average earning assets | $334,850,250 | 1,878 |
| Average equity | $40,311,500 | 1,863 |
| Average total loans | $190,349,500 | 2,250 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,508 |
| Cost of funding earning assets | 0.0971% | 5,608 |
| Net interest margin | 3.8172% | 2,225 |
| Noninterest income to average assets | 1.0908% | 840 |
| Noninterest expense to average assets | 3.6930% | 777 |
| Loan and lease loss provision to assets | -0.0158% | 5,555 |
| Net operating income to assets | 0.6532% | 4,064 |
| Return on assets (ROA) | 0.6564% | 4,108 |
| Pretax return on assets | 0.8850% | 3,978 |
| Return on Equity (ROE) | 6.0391% | 4,030 |
| Retained earnings to average equity (ytd only) | 3.7106% | 3,490 |
| Net charge-offs to loans | 0.0406% | 2,386 |
| Credit loss provision to net charge-offs | -76.3158% | 4,327 |
| Earnings coverage of net charge-offs (x) | 41.8158% | 1,213 |
| Efficiency ratio | 81.0246% | 1,107 |
| Assets per employee ($millions) | 3.2062% | 5,085 |
| Cash dividends to net income (ytd only)* | 38.5572% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 2,025 |
| Loan loss allowance to noncurrent loans | 63.7444% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.5657% | 955 |
| Noncurrent loans to loans | 2.1688% | 751 |
| Net loans and leases to total assets | 51.9086% | 4,580 |
| Net loans and leases to deposits | 60.2453% | 4,606 |
| Net loans and leases to core deposits | 61.7619% | 4,726 |
| Total domestic deposits to total assets | 86.1619% | 2,309 |
| Equity capital to assets | 11.1015% | 2,702 |
| Core capital (leverage) ratio | 10.8585% | 2,543 |
| Tier 1 risk-based capital ratio | 17.5270% | 1,999 |
| Total risk-based capital ratio | 18.7222% | 1,973 |
| Memoranda: | ||
| Average total assets | $367,453,000 | 1,859 |
| Average earning assets | $333,752,330 | 1,884 |
| Average equity | $39,940,000 | 1,874 |
| Average total loans | $187,152,330 | 2,281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 3,637 |
| Cost of funding earning assets | 0.0972% | 5,658 |
| Net interest margin | 3.7389% | 2,361 |
| Noninterest income to average assets | 1.0163% | 973 |
| Noninterest expense to average assets | 3.6857% | 793 |
| Loan and lease loss provision to assets | -0.0109% | 5,659 |
| Net operating income to assets | 0.5725% | 4,269 |
| Return on assets (ROA) | 0.5725% | 4,316 |
| Pretax return on assets | 0.7404% | 4,309 |
| Return on Equity (ROE) | 5.3240% | 4,238 |
| Retained earnings to average equity (ytd only) | 1.6226% | 4,456 |
| Net charge-offs to loans | -0.0087% | 4,362 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4774% | 1,021 |
| Assets per employee ($millions) | 3.2649% | 5,084 |
| Cash dividends to net income (ytd only)* | 69.5238% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4999% | 1,691 |
| Loan loss allowance to noncurrent loans | 83.0508% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 965 |
| Noncurrent loans to loans | 1.8060% | 1,041 |
| Net loans and leases to total assets | 48.8437% | 4,761 |
| Net loans and leases to deposits | 56.0438% | 4,811 |
| Net loans and leases to core deposits | 57.9603% | 4,882 |
| Total domestic deposits to total assets | 87.1528% | 2,134 |
| Equity capital to assets | 10.7829% | 2,873 |
| Core capital (leverage) ratio | 10.6712% | 2,714 |
| Tier 1 risk-based capital ratio | 17.9713% | 1,887 |
| Total risk-based capital ratio | 19.2217% | 1,846 |
| Memoranda: | ||
| Average total assets | $366,825,500 | 1,871 |
| Average earning assets | $333,468,500 | 1,891 |
| Average equity | $39,444,000 | 1,893 |
| Average total loans | $183,691,500 | 2,329 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0435% | 3,053 |
| Cost of funding earning assets | 0.1082% | 5,664 |
| Net interest margin | 3.9353% | 1,833 |
| Noninterest income to average assets | 1.1684% | 830 |
| Noninterest expense to average assets | 3.6457% | 954 |
| Loan and lease loss provision to assets | -0.0703% | 5,630 |
| Net operating income to assets | 0.8305% | 3,153 |
| Return on assets (ROA) | 0.8305% | 3,264 |
| Pretax return on assets | 1.1425% | 2,926 |
| Return on Equity (ROE) | 7.4862% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.4211% | 1,490 |
| Net charge-offs to loans | -0.1959% | 5,738 |
| Credit loss provision to net charge-offs | 70.0280% | 3,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2749% | 1,803 |
| Assets per employee ($millions) | 3.1714% | 5,190 |
| Cash dividends to net income (ytd only)* | 14.2276% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,707 |
| Loan loss allowance to noncurrent loans | 75.9392% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 866 |
| Noncurrent loans to loans | 1.9627% | 923 |
| Net loans and leases to total assets | 49.8164% | 4,776 |
| Net loans and leases to deposits | 57.2130% | 4,844 |
| Net loans and leases to core deposits | 59.2574% | 4,894 |
| Total domestic deposits to total assets | 87.0718% | 2,106 |
| Equity capital to assets | 10.7223% | 2,898 |
| Core capital (leverage) ratio | 10.5727% | 2,806 |
| Tier 1 risk-based capital ratio | 17.4150% | 2,029 |
| Total risk-based capital ratio | 18.6551% | 1,993 |
| Memoranda: | ||
| Average total assets | $355,457,400 | 1,878 |
| Average earning assets | $320,614,200 | 1,915 |
| Average equity | $39,432,400 | 1,867 |
| Average total loans | $182,209,400 | 2,291 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0552% | 3,017 |
| Cost of funding earning assets | 0.1115% | 5,715 |
| Net interest margin | 3.9438% | 1,840 |
| Noninterest income to average assets | 1.2274% | 767 |
| Noninterest expense to average assets | 3.6876% | 868 |
| Loan and lease loss provision to assets | -0.0944% | 5,783 |
| Net operating income to assets | 0.8450% | 3,179 |
| Return on assets (ROA) | 0.8450% | 3,291 |
| Pretax return on assets | 1.1874% | 2,885 |
| Return on Equity (ROE) | 7.5516% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.2142% | 1,521 |
| Net charge-offs to loans | -0.2694% | 5,822 |
| Credit loss provision to net charge-offs | 68.1199% | 2,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1363% | 1,818 |
| Assets per employee ($millions) | 3.2359% | 5,125 |
| Cash dividends to net income (ytd only)* | 4.4683% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4992% | 1,769 |
| Loan loss allowance to noncurrent loans | 72.8232% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 897 |
| Noncurrent loans to loans | 2.0586% | 944 |
| Net loans and leases to total assets | 49.1590% | 4,879 |
| Net loans and leases to deposits | 56.8820% | 4,941 |
| Net loans and leases to core deposits | 58.9383% | 5,001 |
| Total domestic deposits to total assets | 86.4227% | 2,156 |
| Equity capital to assets | 11.0890% | 2,924 |
| Core capital (leverage) ratio | 10.7890% | 2,696 |
| Tier 1 risk-based capital ratio | 17.8814% | 1,954 |
| Total risk-based capital ratio | 19.1319% | 1,919 |
| Memoranda: | ||
| Average total assets | $353,143,000 | 1,893 |
| Average earning assets | $318,166,000 | 1,935 |
| Average equity | $39,514,000 | 1,876 |
| Average total loans | $181,652,500 | 2,295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1089% | 2,823 |
| Cost of funding earning assets | 0.1166% | 5,771 |
| Net interest margin | 3.9923% | 1,665 |
| Noninterest income to average assets | 1.1866% | 800 |
| Noninterest expense to average assets | 3.7304% | 842 |
| Loan and lease loss provision to assets | 0.0719% | 2,699 |
| Net operating income to assets | 0.7129% | 3,728 |
| Return on assets (ROA) | 0.7129% | 3,881 |
| Pretax return on assets | 0.9670% | 3,716 |
| Return on Equity (ROE) | 6.3508% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.8387% | 2,220 |
| Net charge-offs to loans | -0.0033% | 4,452 |
| Credit loss provision to net charge-offs | -4,166.6667% | 5,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2184% | 1,754 |
| Assets per employee ($millions) | 3.1308% | 5,294 |
| Cash dividends to net income (ytd only)* | 8.0645% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4859% | 1,915 |
| Loan loss allowance to noncurrent loans | 70.7971% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 845 |
| Noncurrent loans to loans | 2.0989% | 933 |
| Net loans and leases to total assets | 52.3923% | 4,635 |
| Net loans and leases to deposits | 60.7982% | 4,749 |
| Net loans and leases to core deposits | 62.4777% | 4,856 |
| Total domestic deposits to total assets | 86.1741% | 2,343 |
| Equity capital to assets | 11.4910% | 2,559 |
| Core capital (leverage) ratio | 10.7998% | 2,651 |
| Tier 1 risk-based capital ratio | 17.2578% | 2,141 |
| Total risk-based capital ratio | 18.5082% | 2,104 |
| Memoranda: | ||
| Average total assets | $347,894,330 | 1,923 |
| Average earning assets | $312,202,330 | 1,976 |
| Average equity | $39,050,000 | 1,896 |
| Average total loans | $180,836,000 | 2,308 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,062 |
| Cost of funding earning assets | 0.1187% | 5,821 |
| Net interest margin | 3.9227% | 1,873 |
| Noninterest income to average assets | 1.2121% | 736 |
| Noninterest expense to average assets | 3.8820% | 701 |
| Loan and lease loss provision to assets | 0.0866% | 2,235 |
| Net operating income to assets | 0.5864% | 4,239 |
| Return on assets (ROA) | 0.5864% | 4,356 |
| Pretax return on assets | 0.7526% | 4,360 |
| Return on Equity (ROE) | 5.2877% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.2877% | 2,768 |
| Net charge-offs to loans | 0.0270% | 2,401 |
| Credit loss provision to net charge-offs | 625.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 60.5833% | 776 |
| Efficiency ratio | 82.2249% | 1,354 |
| Assets per employee ($millions) | 3.1245% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 2,073 |
| Loan loss allowance to noncurrent loans | 63.4764% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 2.7637% | 494 |
| Noncurrent loans to loans | 2.3303% | 850 |
| Net loans and leases to total assets | 51.9682% | 4,626 |
| Net loans and leases to deposits | 60.2427% | 4,699 |
| Net loans and leases to core deposits | 62.1418% | 4,814 |
| Total domestic deposits to total assets | 86.2647% | 2,559 |
| Equity capital to assets | 11.2498% | 2,678 |
| Core capital (leverage) ratio | 10.6869% | 2,749 |
| Tier 1 risk-based capital ratio | 17.2448% | 2,194 |
| Total risk-based capital ratio | 18.4952% | 2,166 |
| Memoranda: | ||
| Average total assets | $346,518,000 | 1,937 |
| Average earning assets | $309,994,000 | 1,997 |
| Average equity | $38,428,500 | 1,913 |
| Average total loans | $178,012,500 | 2,335 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,270 |
| Cost of funding earning assets | 0.1361% | 5,780 |
| Net interest margin | 3.8755% | 2,111 |
| Noninterest income to average assets | 1.1957% | 840 |
| Noninterest expense to average assets | 3.5827% | 1,165 |
| Loan and lease loss provision to assets | 0.0659% | 2,965 |
| Net operating income to assets | 0.7547% | 3,549 |
| Return on assets (ROA) | 0.7804% | 3,491 |
| Pretax return on assets | 1.0454% | 3,283 |
| Return on Equity (ROE) | 7.2244% | 3,395 |
| Retained earnings to average equity (ytd only) | 6.0714% | 1,755 |
| Net charge-offs to loans | -0.0294% | 5,395 |
| Credit loss provision to net charge-offs | -450.0000% | 5,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8868% | 2,132 |
| Assets per employee ($millions) | 2.9592% | 5,561 |
| Cash dividends to net income (ytd only)* | 15.9594% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,873 |
| Loan loss allowance to noncurrent loans | 65.6972% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 2.8410% | 485 |
| Noncurrent loans to loans | 2.3243% | 827 |
| Net loans and leases to total assets | 49.2294% | 4,933 |
| Net loans and leases to deposits | 56.7043% | 5,001 |
| Net loans and leases to core deposits | 58.4015% | 5,084 |
| Total domestic deposits to total assets | 86.8177% | 2,228 |
| Equity capital to assets | 10.9297% | 2,898 |
| Core capital (leverage) ratio | 10.5020% | 2,926 |
| Tier 1 risk-based capital ratio | 17.5408% | 2,112 |
| Total risk-based capital ratio | 18.7911% | 2,063 |
| Memoranda: | ||
| Average total assets | $341,221,600 | 1,915 |
| Average earning assets | $304,991,600 | 1,996 |
| Average equity | $36,861,200 | 1,937 |
| Average total loans | $169,779,800 | 2,356 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0041% | 3,320 |
| Cost of funding earning assets | 0.1387% | 5,860 |
| Net interest margin | 3.8654% | 2,136 |
| Noninterest income to average assets | 1.2565% | 767 |
| Noninterest expense to average assets | 3.5602% | 1,178 |
| Loan and lease loss provision to assets | 0.0882% | 2,393 |
| Net operating income to assets | 0.7790% | 3,529 |
| Return on assets (ROA) | 0.8122% | 3,463 |
| Pretax return on assets | 1.1079% | 3,187 |
| Return on Equity (ROE) | 7.5411% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.1770% | 1,609 |
| Net charge-offs to loans | -0.0047% | 4,820 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5744% | 2,307 |
| Assets per employee ($millions) | 2.9375% | 5,611 |
| Cash dividends to net income (ytd only)* | 4.8286% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 2,246 |
| Loan loss allowance to noncurrent loans | 63.6230% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.9346% | 531 |
| Noncurrent loans to loans | 2.3243% | 910 |
| Net loans and leases to total assets | 49.9537% | 4,936 |
| Net loans and leases to deposits | 57.4571% | 5,037 |
| Net loans and leases to core deposits | 59.2522% | 5,115 |
| Total domestic deposits to total assets | 86.9409% | 2,072 |
| Equity capital to assets | 10.9116% | 3,116 |
| Core capital (leverage) ratio | 10.5686% | 2,961 |
| Tier 1 risk-based capital ratio | 17.1427% | 2,319 |
| Total risk-based capital ratio | 18.3871% | 2,268 |
| Memoranda: | ||
| Average total assets | $339,971,500 | 1,939 |
| Average earning assets | $303,817,750 | 2,014 |
| Average equity | $36,616,250 | 1,964 |
| Average total loans | $168,953,250 | 2,377 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,318 |
| Cost of funding earning assets | 0.1406% | 5,916 |
| Net interest margin | 3.8542% | 2,126 |
| Noninterest income to average assets | 1.2524% | 774 |
| Noninterest expense to average assets | 3.5819% | 1,162 |
| Loan and lease loss provision to assets | 0.1036% | 2,097 |
| Net operating income to assets | 0.7422% | 3,674 |
| Return on assets (ROA) | 0.7935% | 3,517 |
| Pretax return on assets | 1.0783% | 3,266 |
| Return on Equity (ROE) | 7.4004% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.8481% | 1,773 |
| Net charge-offs to loans | -0.0036% | 4,667 |
| Credit loss provision to net charge-offs | -5,833.3333% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2992% | 2,310 |
| Assets per employee ($millions) | 2.7642% | 5,851 |
| Cash dividends to net income (ytd only)* | 7.4627% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 2,448 |
| Loan loss allowance to noncurrent loans | 66.1642% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.9822% | 568 |
| Noncurrent loans to loans | 2.2092% | 1,082 |
| Net loans and leases to total assets | 50.8940% | 4,856 |
| Net loans and leases to deposits | 58.3608% | 4,966 |
| Net loans and leases to core deposits | 60.0349% | 5,072 |
| Total domestic deposits to total assets | 87.2059% | 2,057 |
| Equity capital to assets | 10.8681% | 3,029 |
| Core capital (leverage) ratio | 10.4507% | 3,026 |
| Tier 1 risk-based capital ratio | 16.8891% | 2,451 |
| Total risk-based capital ratio | 18.1151% | 2,414 |
| Memoranda: | ||
| Average total assets | $337,754,330 | 1,964 |
| Average earning assets | $301,642,670 | 2,038 |
| Average equity | $36,214,330 | 1,985 |
| Average total loans | $166,687,670 | 2,405 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,806 |
| Cost of funding earning assets | 0.1405% | 5,993 |
| Net interest margin | 3.7142% | 2,572 |
| Noninterest income to average assets | 1.1751% | 829 |
| Noninterest expense to average assets | 3.6271% | 1,105 |
| Loan and lease loss provision to assets | 0.2071% | 869 |
| Net operating income to assets | 0.5420% | 4,505 |
| Return on assets (ROA) | 0.5420% | 4,620 |
| Pretax return on assets | 0.6568% | 4,735 |
| Return on Equity (ROE) | 5.0895% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.0895% | 3,012 |
| Net charge-offs to loans | 0.1767% | 1,221 |
| Credit loss provision to net charge-offs | 243.0556% | 935 |
| Earnings coverage of net charge-offs (x) | 10.1389% | 1,954 |
| Efficiency ratio | 80.7642% | 1,790 |
| Assets per employee ($millions) | 2.7852% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 2,492 |
| Loan loss allowance to noncurrent loans | 66.2644% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 2.9403% | 652 |
| Noncurrent loans to loans | 2.2460% | 1,114 |
| Net loans and leases to total assets | 48.1348% | 5,017 |
| Net loans and leases to deposits | 55.3136% | 5,097 |
| Net loans and leases to core deposits | 56.8968% | 5,194 |
| Total domestic deposits to total assets | 87.0216% | 2,356 |
| Equity capital to assets | 10.7594% | 3,247 |
| Core capital (leverage) ratio | 10.2372% | 3,295 |
| Tier 1 risk-based capital ratio | 17.2707% | 2,389 |
| Total risk-based capital ratio | 18.5153% | 2,345 |
| Memoranda: | ||
| Average total assets | $338,014,500 | 1,972 |
| Average earning assets | $301,759,500 | 2,040 |
| Average equity | $35,996,000 | 2,013 |
| Average total loans | $162,942,500 | 2,459 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7987% | 4,498 |
| Cost of funding earning assets | 0.1688% | 5,988 |
| Net interest margin | 3.6299% | 3,294 |
| Noninterest income to average assets | 1.1181% | 976 |
| Noninterest expense to average assets | 3.6000% | 1,306 |
| Loan and lease loss provision to assets | -0.0242% | 5,948 |
| Net operating income to assets | 0.6018% | 4,353 |
| Return on assets (ROA) | 0.6207% | 4,378 |
| Pretax return on assets | 0.7808% | 4,330 |
| Return on Equity (ROE) | 6.0202% | 4,138 |
| Retained earnings to average equity (ytd only) | 2.5692% | 4,408 |
| Net charge-offs to loans | 0.3127% | 1,408 |
| Credit loss provision to net charge-offs | -17.5439% | 5,340 |
| Earnings coverage of net charge-offs (x) | 5.3202% | 3,453 |
| Efficiency ratio | 83.0882% | 1,507 |
| Assets per employee ($millions) | 2.7560% | 5,976 |
| Cash dividends to net income (ytd only)* | 57.3236% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,559 |
| Loan loss allowance to noncurrent loans | 83.7933% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 2.8534% | 745 |
| Noncurrent loans to loans | 1.7679% | 1,628 |
| Net loans and leases to total assets | 46.8384% | 5,263 |
| Net loans and leases to deposits | 53.6338% | 5,360 |
| Net loans and leases to core deposits | 55.1690% | 5,435 |
| Total domestic deposits to total assets | 87.3299% | 2,114 |
| Equity capital to assets | 10.5379% | 3,429 |
| Core capital (leverage) ratio | 10.1255% | 3,399 |
| Tier 1 risk-based capital ratio | 17.6858% | 2,244 |
| Total risk-based capital ratio | 18.9237% | 2,221 |
| Memoranda: | ||
| Average total assets | $331,087,800 | 1,960 |
| Average earning assets | $293,204,200 | 2,046 |
| Average equity | $34,134,800 | 2,040 |
| Average total loans | $145,810,800 | 2,628 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 4,745 |
| Cost of funding earning assets | 0.1741% | 6,041 |
| Net interest margin | 3.5641% | 3,579 |
| Noninterest income to average assets | 1.1190% | 970 |
| Noninterest expense to average assets | 3.5443% | 1,386 |
| Loan and lease loss provision to assets | -0.0303% | 6,128 |
| Net operating income to assets | 0.6006% | 4,445 |
| Return on assets (ROA) | 0.6258% | 4,426 |
| Pretax return on assets | 0.7900% | 4,397 |
| Return on Equity (ROE) | 6.1045% | 4,181 |
| Retained earnings to average equity (ytd only) | 2.9063% | 4,527 |
| Net charge-offs to loans | 0.5622% | 673 |
| Credit loss provision to net charge-offs | -12.5000% | 5,255 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,766 |
| Efficiency ratio | 82.9658% | 1,497 |
| Assets per employee ($millions) | 2.7029% | 6,084 |
| Cash dividends to net income (ytd only)* | 52.3903% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,878 |
| Loan loss allowance to noncurrent loans | 78.9027% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 2.9989% | 785 |
| Noncurrent loans to loans | 1.8571% | 1,720 |
| Net loans and leases to total assets | 45.4547% | 5,419 |
| Net loans and leases to deposits | 52.1959% | 5,521 |
| Net loans and leases to core deposits | 53.7259% | 5,585 |
| Total domestic deposits to total assets | 87.0848% | 2,269 |
| Equity capital to assets | 10.5968% | 3,430 |
| Core capital (leverage) ratio | 10.2499% | 3,339 |
| Tier 1 risk-based capital ratio | 18.0779% | 2,193 |
| Total risk-based capital ratio | 19.2739% | 2,158 |
| Memoranda: | ||
| Average total assets | $329,801,500 | 1,979 |
| Average earning assets | $291,756,750 | 2,068 |
| Average equity | $33,810,500 | 2,063 |
| Average total loans | $142,300,000 | 2,691 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,955 |
| Cost of funding earning assets | 0.1785% | 6,081 |
| Net interest margin | 3.4905% | 3,819 |
| Noninterest income to average assets | 1.1528% | 882 |
| Noninterest expense to average assets | 3.5244% | 1,432 |
| Loan and lease loss provision to assets | -0.0910% | 6,361 |
| Net operating income to assets | 0.6254% | 4,217 |
| Return on assets (ROA) | 0.6391% | 4,260 |
| Pretax return on assets | 0.8199% | 4,197 |
| Return on Equity (ROE) | 6.3052% | 3,991 |
| Retained earnings to average equity (ytd only) | 1.4537% | 5,161 |
| Net charge-offs to loans | 0.8229% | 459 |
| Credit loss provision to net charge-offs | -26.2238% | 5,120 |
| Earnings coverage of net charge-offs (x) | 2.0507% | 3,654 |
| Efficiency ratio | 83.2069% | 1,604 |
| Assets per employee ($millions) | 2.7998% | 6,029 |
| Cash dividends to net income (ytd only)* | 76.9450% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 2,878 |
| Loan loss allowance to noncurrent loans | 54.7966% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.1501% | 798 |
| Noncurrent loans to loans | 2.7450% | 1,097 |
| Net loans and leases to total assets | 43.2482% | 5,583 |
| Net loans and leases to deposits | 49.6789% | 5,657 |
| Net loans and leases to core deposits | 51.8393% | 5,670 |
| Total domestic deposits to total assets | 87.0555% | 2,426 |
| Equity capital to assets | 10.3290% | 3,650 |
| Core capital (leverage) ratio | 10.0455% | 3,542 |
| Tier 1 risk-based capital ratio | 18.2596% | 2,142 |
| Total risk-based capital ratio | 19.4598% | 2,127 |
| Memoranda: | ||
| Average total assets | $329,815,670 | 1,979 |
| Average earning assets | $291,308,330 | 2,065 |
| Average equity | $33,432,670 | 2,076 |
| Average total loans | $139,026,670 | 2,746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6153% | 5,129 |
| Cost of funding earning assets | 0.1815% | 6,153 |
| Net interest margin | 3.4338% | 3,965 |
| Noninterest income to average assets | 1.2648% | 692 |
| Noninterest expense to average assets | 3.5310% | 1,430 |
| Loan and lease loss provision to assets | 0.1214% | 1,980 |
| Net operating income to assets | 0.5402% | 4,500 |
| Return on assets (ROA) | 0.5402% | 4,573 |
| Pretax return on assets | 0.6445% | 4,680 |
| Return on Equity (ROE) | 5.3798% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.3798% | 2,865 |
| Net charge-offs to loans | 1.2999% | 249 |
| Credit loss provision to net charge-offs | 22.6244% | 2,479 |
| Earnings coverage of net charge-offs (x) | 1.4276% | 3,099 |
| Efficiency ratio | 82.1751% | 1,904 |
| Assets per employee ($millions) | 2.7826% | 6,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 1,813 |
| Loan loss allowance to noncurrent loans | 65.2905% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 3.2613% | 824 |
| Noncurrent loans to loans | 2.8787% | 1,135 |
| Net loans and leases to total assets | 40.3921% | 5,782 |
| Net loans and leases to deposits | 45.9590% | 5,856 |
| Net loans and leases to core deposits | 47.9891% | 5,874 |
| Total domestic deposits to total assets | 87.8872% | 2,293 |
| Equity capital to assets | 10.1637% | 3,647 |
| Core capital (leverage) ratio | 10.1504% | 3,351 |
| Tier 1 risk-based capital ratio | 18.7643% | 2,041 |
| Total risk-based capital ratio | 20.0165% | 1,997 |
| Memoranda: | ||
| Average total assets | $329,537,500 | 1,984 |
| Average earning assets | $290,986,500 | 2,074 |
| Average equity | $33,087,000 | 2,081 |
| Average total loans | $136,009,000 | 2,796 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 5,193 |
| Cost of funding earning assets | 0.2278% | 6,121 |
| Net interest margin | 3.4522% | 4,088 |
| Noninterest income to average assets | 1.1590% | 1,051 |
| Noninterest expense to average assets | 3.8099% | 1,116 |
| Loan and lease loss provision to assets | -0.5803% | 6,760 |
| Net operating income to assets | 0.7311% | 3,654 |
| Return on assets (ROA) | 0.7311% | 3,740 |
| Pretax return on assets | 0.9550% | 3,535 |
| Return on Equity (ROE) | 7.2705% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.9304% | 1,463 |
| Net charge-offs to loans | -0.5421% | 6,729 |
| Credit loss provision to net charge-offs | 254.5703% | 887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0456% | 948 |
| Assets per employee ($millions) | 2.7103% | 6,210 |
| Cash dividends to net income (ytd only)* | 4.6789% | 4,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 1,267 |
| Loan loss allowance to noncurrent loans | 61.1368% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 3.6570% | 770 |
| Noncurrent loans to loans | 3.5002% | 894 |
| Net loans and leases to total assets | 40.4951% | 5,926 |
| Net loans and leases to deposits | 46.0061% | 6,007 |
| Net loans and leases to core deposits | 48.0250% | 6,030 |
| Total domestic deposits to total assets | 88.0212% | 2,168 |
| Equity capital to assets | 9.9160% | 3,878 |
| Core capital (leverage) ratio | 10.0419% | 3,507 |
| Tier 1 risk-based capital ratio | 18.6272% | 2,039 |
| Total risk-based capital ratio | 19.8820% | 2,002 |
| Memoranda: | ||
| Average total assets | $321,581,200 | 2,001 |
| Average earning assets | $281,848,200 | 2,099 |
| Average equity | $32,336,000 | 2,110 |
| Average total loans | $135,207,400 | 2,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 5,229 |
| Cost of funding earning assets | 0.2373% | 6,177 |
| Net interest margin | 3.4404% | 4,120 |
| Noninterest income to average assets | 1.2479% | 938 |
| Noninterest expense to average assets | 3.7609% | 1,141 |
| Loan and lease loss provision to assets | -0.8192% | 6,862 |
| Net operating income to assets | 0.9354% | 2,660 |
| Return on assets (ROA) | 0.9354% | 2,774 |
| Pretax return on assets | 1.3150% | 2,281 |
| Return on Equity (ROE) | 9.2699% | 2,510 |
| Retained earnings to average equity (ytd only) | 9.2699% | 978 |
| Net charge-offs to loans | -0.8646% | 6,819 |
| Credit loss provision to net charge-offs | 224.4292% | 1,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3516% | 1,132 |
| Assets per employee ($millions) | 2.7215% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1747% | 1,371 |
| Loan loss allowance to noncurrent loans | 57.4912% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.7495% | 876 |
| Noncurrent loans to loans | 3.7826% | 966 |
| Net loans and leases to total assets | 40.2583% | 6,013 |
| Net loans and leases to deposits | 46.0212% | 6,096 |
| Net loans and leases to core deposits | 47.8024% | 6,135 |
| Total domestic deposits to total assets | 87.4778% | 2,430 |
| Equity capital to assets | 10.0341% | 3,858 |
| Core capital (leverage) ratio | 10.2689% | 3,286 |
| Tier 1 risk-based capital ratio | 18.5245% | 2,132 |
| Total risk-based capital ratio | 19.7796% | 2,102 |
| Memoranda: | ||
| Average total assets | $319,990,000 | 2,019 |
| Average earning assets | $279,844,000 | 2,121 |
| Average equity | $32,290,250 | 2,136 |
| Average total loans | $135,082,750 | 2,785 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 5,458 |
| Cost of funding earning assets | 0.2440% | 6,219 |
| Net interest margin | 3.3476% | 4,384 |
| Noninterest income to average assets | 1.3210% | 893 |
| Noninterest expense to average assets | 3.8247% | 1,063 |
| Loan and lease loss provision to assets | -0.2941% | 6,829 |
| Net operating income to assets | 0.5781% | 4,412 |
| Return on assets (ROA) | 0.5781% | 4,586 |
| Pretax return on assets | 0.7081% | 4,662 |
| Return on Equity (ROE) | 5.7179% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.7179% | 2,598 |
| Net charge-offs to loans | -0.0697% | 6,381 |
| Credit loss provision to net charge-offs | 991.4894% | 315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2323% | 1,043 |
| Assets per employee ($millions) | 2.5935% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7279% | 768 |
| Loan loss allowance to noncurrent loans | 50.6510% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 4.6004% | 702 |
| Noncurrent loans to loans | 5.3857% | 574 |
| Net loans and leases to total assets | 40.7732% | 5,990 |
| Net loans and leases to deposits | 46.3351% | 6,082 |
| Net loans and leases to core deposits | 48.1490% | 6,124 |
| Total domestic deposits to total assets | 87.9962% | 2,245 |
| Equity capital to assets | 9.7952% | 4,187 |
| Core capital (leverage) ratio | 10.0283% | 3,471 |
| Tier 1 risk-based capital ratio | 17.7315% | 2,426 |
| Total risk-based capital ratio | 18.9912% | 2,388 |
| Memoranda: | ||
| Average total assets | $316,888,000 | 2,045 |
| Average earning assets | $276,194,000 | 2,151 |
| Average equity | $32,039,670 | 2,155 |
| Average total loans | $134,938,330 | 2,787 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,407 |
| Cost of funding earning assets | 0.2486% | 6,299 |
| Net interest margin | 3.3676% | 4,245 |
| Noninterest income to average assets | 1.4430% | 736 |
| Noninterest expense to average assets | 3.7726% | 1,148 |
| Loan and lease loss provision to assets | -0.3506% | 6,927 |
| Net operating income to assets | 0.7278% | 3,551 |
| Return on assets (ROA) | 0.7278% | 3,687 |
| Pretax return on assets | 0.9599% | 3,526 |
| Return on Equity (ROE) | 7.0878% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.0878% | 2,114 |
| Net charge-offs to loans | -0.0970% | 6,430 |
| Credit loss provision to net charge-offs | 842.4242% | 358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0967% | 1,507 |
| Assets per employee ($millions) | 2.7068% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8427% | 779 |
| Loan loss allowance to noncurrent loans | 47.9272% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 4.7094% | 793 |
| Noncurrent loans to loans | 5.9313% | 563 |
| Net loans and leases to total assets | 40.5758% | 5,949 |
| Net loans and leases to deposits | 46.3495% | 6,037 |
| Net loans and leases to core deposits | 48.2109% | 6,087 |
| Total domestic deposits to total assets | 87.5431% | 2,608 |
| Equity capital to assets | 10.2578% | 3,849 |
| Core capital (leverage) ratio | 9.9627% | 3,435 |
| Tier 1 risk-based capital ratio | 17.5685% | 2,533 |
| Total risk-based capital ratio | 18.8295% | 2,498 |
| Memoranda: | ||
| Average total assets | $317,127,500 | 2,063 |
| Average earning assets | $276,758,500 | 2,173 |
| Average equity | $32,563,000 | 2,149 |
| Average total loans | $136,093,500 | 2,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3159% | 4,138 |
| Cost of funding earning assets | 0.3515% | 6,202 |
| Net interest margin | 3.9644% | 2,551 |
| Noninterest income to average assets | 1.0536% | 1,395 |
| Noninterest expense to average assets | 3.7606% | 1,313 |
| Loan and lease loss provision to assets | 0.1118% | 4,234 |
| Net operating income to assets | 0.5246% | 4,581 |
| Return on assets (ROA) | 0.5246% | 4,851 |
| Pretax return on assets | 0.6255% | 4,910 |
| Return on Equity (ROE) | 5.1288% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.6589% | 2,934 |
| Net charge-offs to loans | 0.9407% | 1,179 |
| Credit loss provision to net charge-offs | 26.1032% | 5,185 |
| Earnings coverage of net charge-offs (x) | 1.7210% | 4,575 |
| Efficiency ratio | 83.6076% | 1,675 |
| Assets per employee ($millions) | 2.6021% | 6,541 |
| Cash dividends to net income (ytd only)* | 9.1631% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9086% | 730 |
| Loan loss allowance to noncurrent loans | 58.7713% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 4.9478% | 786 |
| Noncurrent loans to loans | 4.9491% | 815 |
| Net loans and leases to total assets | 42.8004% | 5,917 |
| Net loans and leases to deposits | 48.9931% | 6,033 |
| Net loans and leases to core deposits | 51.0793% | 6,083 |
| Total domestic deposits to total assets | 87.3600% | 2,610 |
| Equity capital to assets | 10.2785% | 3,788 |
| Core capital (leverage) ratio | 9.8268% | 3,627 |
| Tier 1 risk-based capital ratio | 16.8445% | 2,730 |
| Total risk-based capital ratio | 18.1059% | 2,685 |
| Memoranda: | ||
| Average total assets | $312,076,400 | 2,060 |
| Average earning assets | $271,139,800 | 2,150 |
| Average equity | $31,917,600 | 2,144 |
| Average total loans | $142,125,000 | 2,688 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 3,890 |
| Cost of funding earning assets | 0.3694% | 6,279 |
| Net interest margin | 4.0694% | 2,207 |
| Noninterest income to average assets | 1.0208% | 1,454 |
| Noninterest expense to average assets | 3.7539% | 1,283 |
| Loan and lease loss provision to assets | 0.2051% | 3,024 |
| Net operating income to assets | 0.5048% | 4,825 |
| Return on assets (ROA) | 0.5048% | 5,086 |
| Pretax return on assets | 0.5995% | 5,168 |
| Return on Equity (ROE) | 4.9423% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.9423% | 3,404 |
| Net charge-offs to loans | 1.1509% | 873 |
| Credit loss provision to net charge-offs | 38.8169% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1.5227% | 4,519 |
| Efficiency ratio | 82.3502% | 1,772 |
| Assets per employee ($millions) | 2.5781% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0619% | 672 |
| Loan loss allowance to noncurrent loans | 58.5252% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 4.8370% | 933 |
| Noncurrent loans to loans | 5.2318% | 842 |
| Net loans and leases to total assets | 42.9802% | 6,039 |
| Net loans and leases to deposits | 49.0615% | 6,188 |
| Net loans and leases to core deposits | 51.0594% | 6,237 |
| Total domestic deposits to total assets | 87.6047% | 2,292 |
| Equity capital to assets | 10.2817% | 4,102 |
| Core capital (leverage) ratio | 9.8753% | 3,719 |
| Tier 1 risk-based capital ratio | 16.5246% | 2,985 |
| Total risk-based capital ratio | 17.7877% | 2,953 |
| Memoranda: | ||
| Average total assets | $311,383,000 | 2,088 |
| Average earning assets | $270,697,750 | 2,181 |
| Average equity | $31,806,500 | 2,170 |
| Average total loans | $142,957,750 | 2,713 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5449% | 3,584 |
| Cost of funding earning assets | 0.3932% | 6,309 |
| Net interest margin | 4.1517% | 1,898 |
| Noninterest income to average assets | 0.9828% | 1,509 |
| Noninterest expense to average assets | 3.8475% | 1,145 |
| Loan and lease loss provision to assets | 0.2971% | 2,204 |
| Net operating income to assets | 0.4092% | 5,184 |
| Return on assets (ROA) | 0.4092% | 5,419 |
| Pretax return on assets | 0.4447% | 5,586 |
| Return on Equity (ROE) | 4.0153% | 5,256 |
| Retained earnings to average equity (ytd only) | 4.0153% | 3,938 |
| Net charge-offs to loans | 1.5278% | 642 |
| Credit loss provision to net charge-offs | 41.8710% | 4,221 |
| Earnings coverage of net charge-offs (x) | 1.0454% | 4,499 |
| Efficiency ratio | 83.8365% | 1,652 |
| Assets per employee ($millions) | 2.5355% | 6,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1230% | 695 |
| Loan loss allowance to noncurrent loans | 49.6659% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 5.1856% | 899 |
| Noncurrent loans to loans | 6.2881% | 682 |
| Net loans and leases to total assets | 43.9727% | 6,017 |
| Net loans and leases to deposits | 50.2239% | 6,166 |
| Net loans and leases to core deposits | 52.3735% | 6,210 |
| Total domestic deposits to total assets | 87.5533% | 2,433 |
| Equity capital to assets | 10.3199% | 3,915 |
| Core capital (leverage) ratio | 9.8073% | 3,709 |
| Tier 1 risk-based capital ratio | 16.4042% | 2,964 |
| Total risk-based capital ratio | 17.6687% | 2,918 |
| Memoranda: | ||
| Average total assets | $310,333,670 | 2,093 |
| Average earning assets | $269,578,670 | 2,193 |
| Average equity | $31,629,000 | 2,166 |
| Average total loans | $144,125,000 | 2,702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 3,245 |
| Cost of funding earning assets | 0.4213% | 6,308 |
| Net interest margin | 4.2322% | 1,666 |
| Noninterest income to average assets | 1.0539% | 1,297 |
| Noninterest expense to average assets | 3.8992% | 1,067 |
| Loan and lease loss provision to assets | 0.5315% | 1,127 |
| Net operating income to assets | 0.3256% | 5,571 |
| Return on assets (ROA) | 0.3256% | 5,738 |
| Pretax return on assets | 0.2947% | 5,992 |
| Return on Equity (ROE) | 3.2145% | 5,629 |
| Retained earnings to average equity (ytd only) | 3.2145% | 4,638 |
| Net charge-offs to loans | 2.1482% | 420 |
| Credit loss provision to net charge-offs | 52.6786% | 3,236 |
| Earnings coverage of net charge-offs (x) | 0.8189% | 3,920 |
| Efficiency ratio | 82.5163% | 1,872 |
| Assets per employee ($millions) | 2.5470% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2136% | 676 |
| Loan loss allowance to noncurrent loans | 41.5350% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.5480% | 881 |
| Noncurrent loans to loans | 7.7371% | 520 |
| Net loans and leases to total assets | 45.1078% | 5,887 |
| Net loans and leases to deposits | 51.6181% | 6,012 |
| Net loans and leases to core deposits | 53.9429% | 6,063 |
| Total domestic deposits to total assets | 87.3875% | 2,728 |
| Equity capital to assets | 10.1513% | 3,913 |
| Core capital (leverage) ratio | 9.7607% | 3,697 |
| Tier 1 risk-based capital ratio | 15.8002% | 3,282 |
| Total risk-based capital ratio | 17.0656% | 3,241 |
| Memoranda: | ||
| Average total assets | $310,833,000 | 2,095 |
| Average earning assets | $269,647,000 | 2,205 |
| Average equity | $31,482,000 | 2,178 |
| Average total loans | $145,983,500 | 2,690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 3,512 |
| Cost of funding earning assets | 0.6237% | 5,969 |
| Net interest margin | 4.2436% | 1,912 |
| Noninterest income to average assets | 1.0339% | 1,276 |
| Noninterest expense to average assets | 3.8582% | 1,243 |
| Loan and lease loss provision to assets | 0.2242% | 3,960 |
| Net operating income to assets | 0.5181% | 4,349 |
| Return on assets (ROA) | 0.5246% | 4,531 |
| Pretax return on assets | 0.6489% | 4,515 |
| Return on Equity (ROE) | 5.3610% | 4,218 |
| Retained earnings to average equity (ytd only) | 5.3610% | 2,400 |
| Net charge-offs to loans | 1.4414% | 1,128 |
| Credit loss provision to net charge-offs | 31.4607% | 5,760 |
| Earnings coverage of net charge-offs (x) | 1.2139% | 4,873 |
| Efficiency ratio | 81.6844% | 2,064 |
| Assets per employee ($millions) | 2.5486% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4150% | 569 |
| Loan loss allowance to noncurrent loans | 40.1294% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 6.2127% | 777 |
| Noncurrent loans to loans | 8.5100% | 442 |
| Net loans and leases to total assets | 45.7086% | 6,035 |
| Net loans and leases to deposits | 52.1807% | 6,195 |
| Net loans and leases to core deposits | 54.8216% | 6,243 |
| Total domestic deposits to total assets | 87.5967% | 2,410 |
| Equity capital to assets | 10.1053% | 4,027 |
| Core capital (leverage) ratio | 9.5261% | 3,980 |
| Tier 1 risk-based capital ratio | 15.3286% | 3,436 |
| Total risk-based capital ratio | 16.5957% | 3,373 |
| Memoranda: | ||
| Average total assets | $312,219,400 | 2,055 |
| Average earning assets | $271,443,200 | 2,158 |
| Average equity | $30,553,800 | 2,155 |
| Average total loans | $154,359,200 | 2,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9084% | 3,516 |
| Cost of funding earning assets | 0.6608% | 5,978 |
| Net interest margin | 4.2476% | 1,916 |
| Noninterest income to average assets | 1.0221% | 1,290 |
| Noninterest expense to average assets | 3.7694% | 1,361 |
| Loan and lease loss provision to assets | 0.1860% | 4,172 |
| Net operating income to assets | 0.5747% | 4,198 |
| Return on assets (ROA) | 0.5776% | 4,369 |
| Pretax return on assets | 0.7696% | 4,244 |
| Return on Equity (ROE) | 5.9507% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.9507% | 2,586 |
| Net charge-offs to loans | 1.4113% | 1,053 |
| Credit loss provision to net charge-offs | 26.3763% | 5,470 |
| Earnings coverage of net charge-offs (x) | 1.3497% | 4,606 |
| Efficiency ratio | 79.8410% | 2,272 |
| Assets per employee ($millions) | 2.5859% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6071% | 514 |
| Loan loss allowance to noncurrent loans | 44.1254% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 5.9388% | 903 |
| Noncurrent loans to loans | 8.1746% | 531 |
| Net loans and leases to total assets | 44.8072% | 6,255 |
| Net loans and leases to deposits | 51.3666% | 6,423 |
| Net loans and leases to core deposits | 54.3884% | 6,432 |
| Total domestic deposits to total assets | 87.2302% | 2,508 |
| Equity capital to assets | 9.8540% | 4,542 |
| Core capital (leverage) ratio | 9.4894% | 4,165 |
| Tier 1 risk-based capital ratio | 15.5204% | 3,372 |
| Total risk-based capital ratio | 16.7903% | 3,325 |
| Memoranda: | ||
| Average total assets | $312,542,750 | 2,059 |
| Average earning assets | $272,179,250 | 2,157 |
| Average equity | $30,337,250 | 2,176 |
| Average total loans | $156,162,750 | 2,572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 3,145 |
| Cost of funding earning assets | 0.7050% | 5,931 |
| Net interest margin | 4.2969% | 1,670 |
| Noninterest income to average assets | 1.1162% | 1,041 |
| Noninterest expense to average assets | 3.7875% | 1,365 |
| Loan and lease loss provision to assets | 0.1435% | 4,510 |
| Net operating income to assets | 0.6947% | 3,567 |
| Return on assets (ROA) | 0.6991% | 3,667 |
| Pretax return on assets | 0.9379% | 3,481 |
| Return on Equity (ROE) | 7.2394% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.2394% | 1,769 |
| Net charge-offs to loans | 1.6070% | 913 |
| Credit loss provision to net charge-offs | 17.4628% | 5,170 |
| Earnings coverage of net charge-offs (x) | 1.3085% | 4,301 |
| Efficiency ratio | 77.8822% | 2,732 |
| Assets per employee ($millions) | 2.4526% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5622% | 573 |
| Loan loss allowance to noncurrent loans | 53.5047% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 5.5471% | 1,061 |
| Noncurrent loans to loans | 6.6578% | 815 |
| Net loans and leases to total assets | 48.9244% | 5,959 |
| Net loans and leases to deposits | 56.2380% | 6,111 |
| Net loans and leases to core deposits | 58.3376% | 6,249 |
| Total domestic deposits to total assets | 86.9954% | 2,737 |
| Equity capital to assets | 10.2156% | 3,863 |
| Core capital (leverage) ratio | 9.5075% | 3,948 |
| Tier 1 risk-based capital ratio | 14.9948% | 3,500 |
| Total risk-based capital ratio | 16.2650% | 3,459 |
| Memoranda: | ||
| Average total assets | $310,702,670 | 2,073 |
| Average earning assets | $270,940,330 | 2,171 |
| Average equity | $30,002,330 | 2,187 |
| Average total loans | $158,934,330 | 2,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 3,172 |
| Cost of funding earning assets | 0.7684% | 5,762 |
| Net interest margin | 4.2151% | 1,856 |
| Noninterest income to average assets | 1.0115% | 1,294 |
| Noninterest expense to average assets | 3.7708% | 1,393 |
| Loan and lease loss provision to assets | -0.1299% | 7,492 |
| Net operating income to assets | 0.7586% | 3,228 |
| Return on assets (ROA) | 0.7669% | 3,260 |
| Pretax return on assets | 1.0650% | 2,884 |
| Return on Equity (ROE) | 8.1712% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.1712% | 1,672 |
| Net charge-offs to loans | 0.7987% | 1,625 |
| Credit loss provision to net charge-offs | -31.6770% | 5,627 |
| Earnings coverage of net charge-offs (x) | 2.2516% | 3,189 |
| Efficiency ratio | 80.3256% | 2,472 |
| Assets per employee ($millions) | 2.4784% | 7,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8384% | 474 |
| Loan loss allowance to noncurrent loans | 58.9832% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 5.4211% | 1,125 |
| Noncurrent loans to loans | 6.5076% | 914 |
| Net loans and leases to total assets | 49.9392% | 5,857 |
| Net loans and leases to deposits | 57.0545% | 6,018 |
| Net loans and leases to core deposits | 59.3386% | 6,157 |
| Total domestic deposits to total assets | 87.5288% | 2,649 |
| Equity capital to assets | 9.7027% | 4,174 |
| Core capital (leverage) ratio | 9.1083% | 4,435 |
| Tier 1 risk-based capital ratio | 14.4414% | 3,780 |
| Total risk-based capital ratio | 15.7150% | 3,721 |
| Memoranda: | ||
| Average total assets | $313,993,000 | 2,072 |
| Average earning assets | $274,346,500 | 2,167 |
| Average equity | $29,469,500 | 2,208 |
| Average total loans | $161,258,500 | 2,546 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 2,869 |
| Cost of funding earning assets | 1.1198% | 5,022 |
| Net interest margin | 4.2364% | 2,039 |
| Noninterest income to average assets | 1.0081% | 1,476 |
| Noninterest expense to average assets | 3.7831% | 1,518 |
| Loan and lease loss provision to assets | 1.5518% | 947 |
| Net operating income to assets | -0.2598% | 6,176 |
| Return on assets (ROA) | -0.2463% | 6,213 |
| Pretax return on assets | -0.5809% | 6,384 |
| Return on Equity (ROE) | -2.6613% | 6,245 |
| Retained earnings to average equity (ytd only) | -2.6613% | 6,063 |
| Net charge-offs to loans | 3.4431% | 422 |
| Credit loss provision to net charge-offs | 78.6960% | 5,601 |
| Earnings coverage of net charge-offs (x) | 0.4817% | 5,631 |
| Efficiency ratio | 79.9306% | 2,428 |
| Assets per employee ($millions) | 2.5654% | 6,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0204% | 393 |
| Loan loss allowance to noncurrent loans | 60.9472% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 4.9889% | 1,286 |
| Noncurrent loans to loans | 6.5965% | 893 |
| Net loans and leases to total assets | 48.7635% | 6,300 |
| Net loans and leases to deposits | 57.5133% | 6,303 |
| Net loans and leases to core deposits | 60.4805% | 6,357 |
| Total domestic deposits to total assets | 84.7865% | 3,950 |
| Equity capital to assets | 9.0813% | 5,021 |
| Core capital (leverage) ratio | 8.5863% | 5,217 |
| Tier 1 risk-based capital ratio | 13.9357% | 3,907 |
| Total risk-based capital ratio | 15.2112% | 3,860 |
| Memoranda: | ||
| Average total assets | $322,781,800 | 2,012 |
| Average earning assets | $283,802,600 | 2,083 |
| Average equity | $29,873,000 | 2,188 |
| Average total loans | $184,861,400 | 2,301 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4107% | 2,831 |
| Cost of funding earning assets | 1.1701% | 5,032 |
| Net interest margin | 4.2406% | 2,066 |
| Noninterest income to average assets | 0.9815% | 1,519 |
| Noninterest expense to average assets | 3.7293% | 1,512 |
| Loan and lease loss provision to assets | 1.3741% | 984 |
| Net operating income to assets | -0.1169% | 6,202 |
| Return on assets (ROA) | -0.0990% | 6,272 |
| Pretax return on assets | -0.3604% | 6,452 |
| Return on Equity (ROE) | -1.0645% | 6,286 |
| Retained earnings to average equity (ytd only) | -1.0645% | 6,026 |
| Net charge-offs to loans | 2.6708% | 610 |
| Credit loss provision to net charge-offs | 87.3853% | 4,876 |
| Earnings coverage of net charge-offs (x) | 0.6268% | 5,410 |
| Efficiency ratio | 79.0956% | 2,478 |
| Assets per employee ($millions) | 2.5901% | 6,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1555% | 324 |
| Loan loss allowance to noncurrent loans | 60.9106% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 5.2570% | 1,191 |
| Noncurrent loans to loans | 6.8224% | 843 |
| Net loans and leases to total assets | 52.4753% | 6,046 |
| Net loans and leases to deposits | 61.8011% | 6,134 |
| Net loans and leases to core deposits | 65.3516% | 6,175 |
| Total domestic deposits to total assets | 84.9100% | 3,661 |
| Equity capital to assets | 9.3232% | 5,097 |
| Core capital (leverage) ratio | 8.7881% | 5,032 |
| Tier 1 risk-based capital ratio | 13.5158% | 4,198 |
| Total risk-based capital ratio | 14.7941% | 4,119 |
| Memoranda: | ||
| Average total assets | $323,309,750 | 2,039 |
| Average earning assets | $284,641,250 | 2,109 |
| Average equity | $30,061,000 | 2,192 |
| Average total loans | $190,346,750 | 2,289 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 2,418 |
| Cost of funding earning assets | 1.2198% | 5,020 |
| Net interest margin | 4.3060% | 1,751 |
| Noninterest income to average assets | 0.8948% | 1,708 |
| Noninterest expense to average assets | 3.7996% | 1,360 |
| Loan and lease loss provision to assets | 1.0152% | 1,436 |
| Net operating income to assets | 0.0403% | 6,005 |
| Return on assets (ROA) | 0.0403% | 6,110 |
| Pretax return on assets | -0.1260% | 6,272 |
| Return on Equity (ROE) | 0.4342% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.4342% | 5,593 |
| Net charge-offs to loans | 1.6331% | 1,161 |
| Credit loss provision to net charge-offs | 103.1526% | 3,950 |
| Earnings coverage of net charge-offs (x) | 0.9035% | 4,869 |
| Efficiency ratio | 81.0349% | 2,295 |
| Assets per employee ($millions) | 2.5224% | 7,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2823% | 296 |
| Loan loss allowance to noncurrent loans | 67.2698% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 4.3216% | 1,545 |
| Noncurrent loans to loans | 6.3659% | 959 |
| Net loans and leases to total assets | 55.0784% | 5,829 |
| Net loans and leases to deposits | 65.2909% | 5,891 |
| Net loans and leases to core deposits | 69.1250% | 5,959 |
| Total domestic deposits to total assets | 84.3584% | 3,931 |
| Equity capital to assets | 9.3536% | 4,922 |
| Core capital (leverage) ratio | 8.9005% | 4,749 |
| Tier 1 risk-based capital ratio | 13.4364% | 4,112 |
| Total risk-based capital ratio | 14.7173% | 4,055 |
| Memoranda: | ||
| Average total assets | $322,297,000 | 2,057 |
| Average earning assets | $283,977,000 | 2,125 |
| Average equity | $29,939,330 | 2,191 |
| Average total loans | $194,236,670 | 2,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6051% | 2,127 |
| Cost of funding earning assets | 1.2585% | 5,069 |
| Net interest margin | 4.3466% | 1,543 |
| Noninterest income to average assets | 0.6770% | 2,764 |
| Noninterest expense to average assets | 3.8359% | 1,270 |
| Loan and lease loss provision to assets | 0.3366% | 3,368 |
| Net operating income to assets | 0.3155% | 5,228 |
| Return on assets (ROA) | 0.3155% | 5,358 |
| Pretax return on assets | 0.3230% | 5,543 |
| Return on Equity (ROE) | 3.4084% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.4084% | 4,115 |
| Net charge-offs to loans | 2.2634% | 750 |
| Credit loss provision to net charge-offs | 24.1318% | 4,898 |
| Earnings coverage of net charge-offs (x) | 0.4728% | 4,602 |
| Efficiency ratio | 85.3274% | 1,871 |
| Assets per employee ($millions) | 2.4675% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5485% | 524 |
| Loan loss allowance to noncurrent loans | 67.7618% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 4.2711% | 1,596 |
| Noncurrent loans to loans | 5.2367% | 1,362 |
| Net loans and leases to total assets | 59.3156% | 5,242 |
| Net loans and leases to deposits | 70.5789% | 5,255 |
| Net loans and leases to core deposits | 75.1132% | 5,371 |
| Total domestic deposits to total assets | 84.0415% | 4,128 |
| Equity capital to assets | 9.2806% | 4,860 |
| Core capital (leverage) ratio | 8.9993% | 4,573 |
| Tier 1 risk-based capital ratio | 12.8314% | 4,453 |
| Total risk-based capital ratio | 14.1048% | 4,408 |
| Memoranda: | ||
| Average total assets | $322,011,000 | 2,112 |
| Average earning assets | $282,885,500 | 2,192 |
| Average equity | $29,809,000 | 2,230 |
| Average total loans | $198,461,500 | 2,290 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3195% | 986 |
| Cost of funding earning assets | 1.6143% | 4,972 |
| Net interest margin | 4.7053% | 825 |
| Noninterest income to average assets | 1.2476% | 971 |
| Noninterest expense to average assets | 3.9607% | 1,418 |
| Loan and lease loss provision to assets | 1.3753% | 1,668 |
| Net operating income to assets | 0.1242% | 5,132 |
| Return on assets (ROA) | 0.1242% | 5,190 |
| Pretax return on assets | 0.0518% | 5,324 |
| Return on Equity (ROE) | 1.3363% | 5,136 |
| Retained earnings to average equity (ytd only) | 1.0263% | 4,318 |
| Net charge-offs to loans | 2.0403% | 1,202 |
| Credit loss provision to net charge-offs | 100.2333% | 5,501 |
| Earnings coverage of net charge-offs (x) | 1.0401% | 5,072 |
| Efficiency ratio | 73.5119% | 3,998 |
| Assets per employee ($millions) | 2.3939% | 7,359 |
| Cash dividends to net income (ytd only)* | 23.1959% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9902% | 365 |
| Loan loss allowance to noncurrent loans | 66.2033% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 5.2482% | 1,133 |
| Noncurrent loans to loans | 6.0272% | 1,043 |
| Net loans and leases to total assets | 59.3024% | 5,447 |
| Net loans and leases to deposits | 69.9012% | 5,619 |
| Net loans and leases to core deposits | 89.7239% | 5,161 |
| Total domestic deposits to total assets | 84.8375% | 3,626 |
| Equity capital to assets | 9.2335% | 4,797 |
| Core capital (leverage) ratio | 8.8661% | 4,651 |
| Tier 1 risk-based capital ratio | 12.5833% | 4,460 |
| Total risk-based capital ratio | 13.8609% | 4,376 |
| Memoranda: | ||
| Average total assets | $312,446,000 | 2,150 |
| Average earning assets | $274,925,200 | 2,205 |
| Average equity | $29,036,000 | 2,298 |
| Average total loans | $210,113,600 | 2,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4210% | 884 |
| Cost of funding earning assets | 1.6807% | 4,993 |
| Net interest margin | 4.7403% | 775 |
| Noninterest income to average assets | 1.2587% | 976 |
| Noninterest expense to average assets | 3.9974% | 1,275 |
| Loan and lease loss provision to assets | 1.6406% | 1,144 |
| Net operating income to assets | -0.0258% | 5,752 |
| Return on assets (ROA) | -0.0258% | 5,818 |
| Pretax return on assets | -0.2015% | 5,983 |
| Return on Equity (ROE) | -0.2769% | 5,821 |
| Retained earnings to average equity (ytd only) | -0.2769% | 5,279 |
| Net charge-offs to loans | 2.3330% | 803 |
| Credit loss provision to net charge-offs | 102.4135% | 4,966 |
| Earnings coverage of net charge-offs (x) | 0.8984% | 5,158 |
| Efficiency ratio | 73.5282% | 3,948 |
| Assets per employee ($millions) | 2.3812% | 7,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8461% | 327 |
| Loan loss allowance to noncurrent loans | 73.0115% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 4.8976% | 1,202 |
| Noncurrent loans to loans | 5.2678% | 1,210 |
| Net loans and leases to total assets | 62.5721% | 5,147 |
| Net loans and leases to deposits | 73.8699% | 5,380 |
| Net loans and leases to core deposits | 94.8515% | 4,945 |
| Total domestic deposits to total assets | 84.7058% | 3,371 |
| Equity capital to assets | 9.2411% | 5,100 |
| Core capital (leverage) ratio | 8.8811% | 4,841 |
| Tier 1 risk-based capital ratio | 11.9990% | 4,982 |
| Total risk-based capital ratio | 13.2757% | 4,889 |
| Memoranda: | ||
| Average total assets | $310,363,000 | 2,171 |
| Average earning assets | $273,533,000 | 2,236 |
| Average equity | $28,890,250 | 2,328 |
| Average total loans | $213,108,250 | 2,189 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5274% | 776 |
| Cost of funding earning assets | 1.7388% | 5,068 |
| Net interest margin | 4.7887% | 667 |
| Noninterest income to average assets | 1.2633% | 956 |
| Noninterest expense to average assets | 4.1235% | 1,163 |
| Loan and lease loss provision to assets | 1.8084% | 915 |
| Net operating income to assets | -0.1945% | 6,181 |
| Return on assets (ROA) | -0.1945% | 6,205 |
| Pretax return on assets | -0.4514% | 6,372 |
| Return on Equity (ROE) | -2.0842% | 6,237 |
| Retained earnings to average equity (ytd only) | -2.0842% | 5,768 |
| Net charge-offs to loans | 1.5726% | 1,201 |
| Credit loss provision to net charge-offs | 164.4970% | 2,787 |
| Earnings coverage of net charge-offs (x) | 1.2343% | 4,609 |
| Efficiency ratio | 75.2404% | 3,840 |
| Assets per employee ($millions) | 2.2894% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1845% | 224 |
| Loan loss allowance to noncurrent loans | 87.6170% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 4.5475% | 1,227 |
| Noncurrent loans to loans | 4.7759% | 1,314 |
| Net loans and leases to total assets | 65.6024% | 4,647 |
| Net loans and leases to deposits | 76.9726% | 5,032 |
| Net loans and leases to core deposits | 97.8249% | 4,721 |
| Total domestic deposits to total assets | 85.2283% | 3,147 |
| Equity capital to assets | 9.1322% | 5,118 |
| Core capital (leverage) ratio | 9.0188% | 4,592 |
| Tier 1 risk-based capital ratio | 11.6608% | 5,233 |
| Total risk-based capital ratio | 12.9420% | 5,139 |
| Memoranda: | ||
| Average total assets | $307,459,000 | 2,216 |
| Average earning assets | $270,764,670 | 2,277 |
| Average equity | $28,691,670 | 2,358 |
| Average total loans | $214,931,670 | 2,198 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5367% | 807 |
| Cost of funding earning assets | 1.7934% | 5,139 |
| Net interest margin | 4.7432% | 701 |
| Noninterest income to average assets | 1.1723% | 1,067 |
| Noninterest expense to average assets | 4.1450% | 1,003 |
| Loan and lease loss provision to assets | 2.0239% | 594 |
| Net operating income to assets | -0.3759% | 6,759 |
| Return on assets (ROA) | -0.3759% | 6,837 |
| Pretax return on assets | -0.8188% | 7,050 |
| Return on Equity (ROE) | -3.9838% | 6,891 |
| Retained earnings to average equity (ytd only) | -3.9838% | 6,425 |
| Net charge-offs to loans | 2.1449% | 671 |
| Credit loss provision to net charge-offs | 133.5646% | 3,025 |
| Earnings coverage of net charge-offs (x) | 0.7953% | 4,393 |
| Efficiency ratio | 77.4748% | 3,258 |
| Assets per employee ($millions) | 2.2149% | 7,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8183% | 255 |
| Loan loss allowance to noncurrent loans | 78.6535% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 4.1618% | 1,215 |
| Noncurrent loans to loans | 4.8546% | 1,132 |
| Net loans and leases to total assets | 67.7696% | 4,190 |
| Net loans and leases to deposits | 79.9627% | 4,621 |
| Net loans and leases to core deposits | 100.7957% | 4,460 |
| Total domestic deposits to total assets | 84.7516% | 3,326 |
| Equity capital to assets | 9.3441% | 4,870 |
| Core capital (leverage) ratio | 9.2437% | 4,339 |
| Tier 1 risk-based capital ratio | 11.3742% | 5,529 |
| Total risk-based capital ratio | 12.6508% | 5,410 |
| Memoranda: | ||
| Average total assets | $304,365,000 | 2,243 |
| Average earning assets | $268,087,000 | 2,306 |
| Average equity | $28,716,000 | 2,368 |
| Average total loans | $215,024,500 | 2,218 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1372% | 843 |
| Cost of funding earning assets | 2.2932% | 5,184 |
| Net interest margin | 4.8440% | 718 |
| Noninterest income to average assets | 1.1367% | 1,204 |
| Noninterest expense to average assets | 4.3098% | 1,036 |
| Loan and lease loss provision to assets | 2.0617% | 570 |
| Net operating income to assets | -0.4890% | 6,916 |
| Return on assets (ROA) | -0.4871% | 6,792 |
| Pretax return on assets | -0.9527% | 6,974 |
| Return on Equity (ROE) | -4.6738% | 6,830 |
| Retained earnings to average equity (ytd only) | -4.7568% | 6,474 |
| Net charge-offs to loans | 0.5044% | 2,342 |
| Credit loss provision to net charge-offs | 572.5264% | 763 |
| Earnings coverage of net charge-offs (x) | 3.0711% | 4,550 |
| Efficiency ratio | 79.5797% | 2,654 |
| Assets per employee ($millions) | 2.1644% | 7,756 |
| Cash dividends to net income (ytd only)* | -1.7756% | 7,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7049% | 238 |
| Loan loss allowance to noncurrent loans | 70.9880% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 4.2595% | 926 |
| Noncurrent loans to loans | 5.2191% | 813 |
| Net loans and leases to total assets | 68.2137% | 4,421 |
| Net loans and leases to deposits | 80.7537% | 4,914 |
| Net loans and leases to core deposits | 101.7623% | 4,644 |
| Total domestic deposits to total assets | 84.4713% | 3,091 |
| Equity capital to assets | 9.5275% | 4,645 |
| Core capital (leverage) ratio | 9.3892% | 4,172 |
| Tier 1 risk-based capital ratio | 11.7832% | 4,996 |
| Total risk-based capital ratio | 13.0586% | 4,885 |
| Memoranda: | ||
| Average total assets | $289,084,600 | 2,260 |
| Average earning assets | $255,365,600 | 2,322 |
| Average equity | $30,125,400 | 2,255 |
| Average total loans | $206,390,400 | 2,238 |