Home > Farmers Trust and Savings Bank > Performance and Condition Ratios
Farmers Trust and Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 2,146 |
| Cost of funding earning assets | 2.4130% | 448 |
| Net interest margin | 2.5509% | 4,035 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.6188% | 4,231 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9826% | 2,272 |
| Return on assets (ROA) | 0.9844% | 2,252 |
| Pretax return on assets | 1.0202% | 2,614 |
| Return on Equity (ROE) | 12.3900% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.0502% | 2,222 |
| Net charge-offs to loans | -0.1058% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.3853% | 2,926 |
| Assets per employee ($millions) | 14.2381% | 245 |
| Cash dividends to net income (ytd only)* | 51.1508% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 1,824 |
| Loan loss allowance to noncurrent loans | 216.1216% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 1,098 |
| Noncurrent loans to loans | 0.5964% | 1,320 |
| Net loans and leases to total assets | 84.6300% | 232 |
| Net loans and leases to deposits | 100.1286% | 528 |
| Net loans and leases to core deposits | 127.7557% | 445 |
| Total domestic deposits to total assets | 84.5200% | 2,464 |
| Equity capital to assets | 7.9654% | 3,445 |
| Core capital (leverage) ratio | 8.8689% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6479% | 2,862 |
| Memoranda: | ||
| Average total assets | $569,374,200 | 1,554 |
| Average earning assets | $555,401,600 | 1,479 |
| Average equity | $45,254,600 | 1,725 |
| Average total loans | $481,284,200 | 1,273 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 2,057 |
| Cost of funding earning assets | 2.1689% | 527 |
| Net interest margin | 2.7317% | 3,837 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.6641% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0947% | 2,074 |
| Return on assets (ROA) | 1.0942% | 2,059 |
| Pretax return on assets | 1.1466% | 2,435 |
| Return on Equity (ROE) | 13.7700% | 1,713 |
| Retained earnings to average equity (ytd only) | 6.4933% | 2,466 |
| Net charge-offs to loans | -0.0870% | 4,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.1952% | 3,063 |
| Assets per employee ($millions) | 13.7995% | 254 |
| Cash dividends to net income (ytd only)* | 52.8609% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 1,898 |
| Loan loss allowance to noncurrent loans | 172.4704% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 895 |
| Noncurrent loans to loans | 0.7494% | 1,108 |
| Net loans and leases to total assets | 84.4500% | 249 |
| Net loans and leases to deposits | 98.5290% | 581 |
| Net loans and leases to core deposits | 123.3740% | 473 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 7.5205% | 3,343 |
| Core capital (leverage) ratio | 9.0804% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3324% | 2,894 |
| Memoranda: | ||
| Average total assets | $562,217,500 | 1,574 |
| Average earning assets | $548,454,750 | 1,497 |
| Average equity | $44,660,000 | 1,728 |
| Average total loans | $473,426,000 | 1,285 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 1,924 |
| Cost of funding earning assets | 1.9398% | 565 |
| Net interest margin | 2.8921% | 3,659 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.6721% | 4,184 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2324% | 1,741 |
| Return on assets (ROA) | 1.2300% | 1,740 |
| Pretax return on assets | 1.2882% | 2,117 |
| Return on Equity (ROE) | 15.2000% | 1,430 |
| Retained earnings to average equity (ytd only) | 8.7477% | 1,751 |
| Net charge-offs to loans | -0.1301% | 4,547 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.4358% | 3,364 |
| Assets per employee ($millions) | 13.4538% | 265 |
| Cash dividends to net income (ytd only)* | 42.4605% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 1,763 |
| Loan loss allowance to noncurrent loans | 129.3797% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 565 |
| Noncurrent loans to loans | 1.0339% | 722 |
| Net loans and leases to total assets | 83.5800% | 301 |
| Net loans and leases to deposits | 99.4814% | 541 |
| Net loans and leases to core deposits | 120.2523% | 505 |
| Total domestic deposits to total assets | 84.0100% | 2,811 |
| Equity capital to assets | 8.1096% | 3,149 |
| Core capital (leverage) ratio | 9.2842% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9817% | 2,848 |
| Memoranda: | ||
| Average total assets | $556,430,667 | 1,589 |
| Average earning assets | $542,643,000 | 1,520 |
| Average equity | $45,017,667 | 1,724 |
| Average total loans | $465,954,667 | 1,288 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 1,293 |
| Cost of funding earning assets | 1.7631% | 485 |
| Net interest margin | 3.2021% | 3,116 |
| Noninterest income to average assets | 0.1300% | 4,223 |
| Noninterest expense to average assets | 1.6786% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5057% | 1,177 |
| Return on assets (ROA) | 1.5106% | 1,145 |
| Pretax return on assets | 1.5816% | 1,509 |
| Return on Equity (ROE) | 18.6900% | 929 |
| Retained earnings to average equity (ytd only) | 12.1485% | 1,241 |
| Net charge-offs to loans | -0.2063% | 4,592 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.5691% | 3,810 |
| Assets per employee ($millions) | 13.2763% | 291 |
| Cash dividends to net income (ytd only)* | 35.0120% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 1,696 |
| Loan loss allowance to noncurrent loans | 196.3135% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 870 |
| Noncurrent loans to loans | 0.7032% | 1,084 |
| Net loans and leases to total assets | 81.1900% | 440 |
| Net loans and leases to deposits | 93.8722% | 793 |
| Net loans and leases to core deposits | 110.9791% | 669 |
| Total domestic deposits to total assets | 86.4900% | 2,450 |
| Equity capital to assets | 8.2091% | 3,101 |
| Core capital (leverage) ratio | 9.2413% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4106% | 2,879 |
| Memoranda: | ||
| Average total assets | $552,116,000 | 1,619 |
| Average earning assets | $538,140,500 | 1,543 |
| Average equity | $44,614,500 | 1,751 |
| Average total loans | $459,603,000 | 1,317 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 1,954 |
| Cost of funding earning assets | 0.7304% | 507 |
| Net interest margin | 3.1840% | 2,917 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.6787% | 4,213 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.5175% | 841 |
| Return on assets (ROA) | 1.5190% | 813 |
| Pretax return on assets | 1.5810% | 1,210 |
| Return on Equity (ROE) | 17.8900% | 720 |
| Retained earnings to average equity (ytd only) | 8.3856% | 1,683 |
| Net charge-offs to loans | 0.0404% | 1,297 |
| Credit loss provision to net charge-offs | 29.4118% | 1,896 |
| Earnings coverage of net charge-offs (x) | 48.1353% | 1,388 |
| Efficiency ratio | 51.3698% | 4,040 |
| Assets per employee ($millions) | 13.3324% | 283 |
| Cash dividends to net income (ytd only)* | 53.1194% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 1,781 |
| Loan loss allowance to noncurrent loans | 355.0640% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 1,550 |
| Noncurrent loans to loans | 0.3734% | 1,804 |
| Net loans and leases to total assets | 83.0600% | 320 |
| Net loans and leases to deposits | 95.2317% | 697 |
| Net loans and leases to core deposits | 110.0321% | 611 |
| Total domestic deposits to total assets | 87.2200% | 2,320 |
| Equity capital to assets | 7.9496% | 3,091 |
| Core capital (leverage) ratio | 9.1491% | 3,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0271% | 2,968 |
| Memoranda: | ||
| Average total assets | $514,932,400 | 1,686 |
| Average earning assets | $500,792,400 | 1,623 |
| Average equity | $43,729,800 | 1,794 |
| Average total loans | $421,200,000 | 1,335 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 2,088 |
| Cost of funding earning assets | 0.5096% | 724 |
| Net interest margin | 3.1737% | 2,702 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.6799% | 4,187 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.4985% | 859 |
| Return on assets (ROA) | 1.5003% | 829 |
| Pretax return on assets | 1.5742% | 1,190 |
| Return on Equity (ROE) | 17.3700% | 733 |
| Retained earnings to average equity (ytd only) | 9.4643% | 1,494 |
| Net charge-offs to loans | 0.0188% | 1,465 |
| Credit loss provision to net charge-offs | 86.2069% | 1,394 |
| Earnings coverage of net charge-offs (x) | 103.9483% | 931 |
| Efficiency ratio | 51.4456% | 4,048 |
| Assets per employee ($millions) | 12.7470% | 322 |
| Cash dividends to net income (ytd only)* | 45.5039% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,541 |
| Loan loss allowance to noncurrent loans | 327.2919% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 1,487 |
| Noncurrent loans to loans | 0.4344% | 1,725 |
| Net loans and leases to total assets | 82.4100% | 358 |
| Net loans and leases to deposits | 96.4282% | 537 |
| Net loans and leases to core deposits | 107.3508% | 553 |
| Total domestic deposits to total assets | 85.4700% | 3,185 |
| Equity capital to assets | 7.8069% | 3,019 |
| Core capital (leverage) ratio | 9.6519% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4914% | 2,952 |
| Memoranda: | ||
| Average total assets | $507,008,250 | 1,708 |
| Average earning assets | $493,204,250 | 1,658 |
| Average equity | $43,798,500 | 1,821 |
| Average total loans | $411,464,750 | 1,352 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5231% | 2,063 |
| Cost of funding earning assets | 0.4089% | 866 |
| Net interest margin | 3.1142% | 2,491 |
| Noninterest income to average assets | 0.1790% | 4,110 |
| Noninterest expense to average assets | 1.6760% | 4,172 |
| Loan and lease loss provision to assets | 0.0199% | 2,244 |
| Net operating income to assets | 1.4449% | 805 |
| Return on assets (ROA) | 1.4476% | 783 |
| Pretax return on assets | 1.5181% | 1,129 |
| Return on Equity (ROE) | 16.2151% | 668 |
| Retained earnings to average equity (ytd only) | 8.5496% | 1,415 |
| Net charge-offs to loans | 0.0303% | 1,121 |
| Credit loss provision to net charge-offs | 81.9672% | 1,381 |
| Earnings coverage of net charge-offs (x) | 63.1475% | 1,059 |
| Efficiency ratio | 52.1906% | 4,117 |
| Assets per employee ($millions) | 11.9518% | 388 |
| Cash dividends to net income (ytd only)* | 47.2742% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 1,280 |
| Loan loss allowance to noncurrent loans | 108.2273% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.1429% | 378 |
| Noncurrent loans to loans | 1.4302% | 526 |
| Net loans and leases to total assets | 78.6742% | 508 |
| Net loans and leases to deposits | 90.1398% | 712 |
| Net loans and leases to core deposits | 98.4063% | 745 |
| Total domestic deposits to total assets | 87.2802% | 2,837 |
| Equity capital to assets | 8.5415% | 2,731 |
| Core capital (leverage) ratio | 9.6495% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1023% | 2,788 |
| Memoranda: | ||
| Average total assets | $501,802,667 | 1,721 |
| Average earning assets | $488,602,000 | 1,679 |
| Average equity | $44,797,667 | 1,837 |
| Average total loans | $402,977,000 | 1,364 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 1,803 |
| Cost of funding earning assets | 0.3572% | 1,149 |
| Net interest margin | 3.1449% | 2,040 |
| Noninterest income to average assets | 0.1626% | 4,184 |
| Noninterest expense to average assets | 1.6727% | 4,178 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4788% | 665 |
| Return on assets (ROA) | 1.4917% | 639 |
| Pretax return on assets | 1.5642% | 892 |
| Return on Equity (ROE) | 16.3554% | 498 |
| Retained earnings to average equity (ytd only) | 8.6541% | 1,385 |
| Net charge-offs to loans | -0.0030% | 3,183 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8922% | 4,205 |
| Assets per employee ($millions) | 11.9621% | 402 |
| Cash dividends to net income (ytd only)* | 47.0871% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5412% | 1,421 |
| Loan loss allowance to noncurrent loans | 101.9328% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 1.2151% | 359 |
| Noncurrent loans to loans | 1.5120% | 540 |
| Net loans and leases to total assets | 79.1268% | 287 |
| Net loans and leases to deposits | 90.3188% | 494 |
| Net loans and leases to core deposits | 98.4012% | 564 |
| Total domestic deposits to total assets | 87.6083% | 2,703 |
| Equity capital to assets | 8.7861% | 2,894 |
| Core capital (leverage) ratio | 9.5036% | 2,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8112% | 2,933 |
| Memoranda: | ||
| Average total assets | $501,716,500 | 1,726 |
| Average earning assets | $488,283,500 | 1,690 |
| Average equity | $45,758,500 | 1,859 |
| Average total loans | $403,898,500 | 1,360 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 2,175 |
| Cost of funding earning assets | 0.4116% | 1,459 |
| Net interest margin | 3.2696% | 2,411 |
| Noninterest income to average assets | 0.2031% | 4,148 |
| Noninterest expense to average assets | 1.8424% | 4,061 |
| Loan and lease loss provision to assets | 0.1413% | 851 |
| Net operating income to assets | 1.3526% | 1,430 |
| Return on assets (ROA) | 1.3634% | 1,448 |
| Pretax return on assets | 1.4118% | 2,009 |
| Return on Equity (ROE) | 14.6339% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.2941% | 1,426 |
| Net charge-offs to loans | 0.1761% | 550 |
| Credit loss provision to net charge-offs | 101.4493% | 1,777 |
| Earnings coverage of net charge-offs (x) | 11.0710% | 2,175 |
| Efficiency ratio | 54.4376% | 3,886 |
| Assets per employee ($millions) | 11.1338% | 487 |
| Cash dividends to net income (ytd only)* | 43.3225% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,430 |
| Loan loss allowance to noncurrent loans | 95.4720% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 354 |
| Noncurrent loans to loans | 1.6125% | 538 |
| Net loans and leases to total assets | 79.4001% | 299 |
| Net loans and leases to deposits | 91.7980% | 487 |
| Net loans and leases to core deposits | 100.9901% | 492 |
| Total domestic deposits to total assets | 86.4944% | 2,714 |
| Equity capital to assets | 9.4557% | 3,178 |
| Core capital (leverage) ratio | 9.2739% | 3,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6207% | 2,964 |
| Memoranda: | ||
| Average total assets | $495,385,400 | 1,708 |
| Average earning assets | $482,015,600 | 1,655 |
| Average equity | $46,153,200 | 1,887 |
| Average total loans | $391,859,000 | 1,404 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 2,312 |
| Cost of funding earning assets | 0.4300% | 1,488 |
| Net interest margin | 3.2565% | 2,562 |
| Noninterest income to average assets | 0.2076% | 4,162 |
| Noninterest expense to average assets | 1.8540% | 4,049 |
| Loan and lease loss provision to assets | 0.1755% | 609 |
| Net operating income to assets | 1.2809% | 1,882 |
| Return on assets (ROA) | 1.2950% | 1,903 |
| Pretax return on assets | 1.3631% | 2,456 |
| Return on Equity (ROE) | 13.9531% | 1,406 |
| Retained earnings to average equity (ytd only) | 8.2445% | 1,975 |
| Net charge-offs to loans | -0.0058% | 3,482 |
| Credit loss provision to net charge-offs | -3,823.5294% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8905% | 3,680 |
| Assets per employee ($millions) | 10.3348% | 581 |
| Cash dividends to net income (ytd only)* | 40.9129% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 1,142 |
| Loan loss allowance to noncurrent loans | 90.2730% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 316 |
| Noncurrent loans to loans | 1.8630% | 500 |
| Net loans and leases to total assets | 81.0421% | 241 |
| Net loans and leases to deposits | 96.9967% | 311 |
| Net loans and leases to core deposits | 103.8969% | 459 |
| Total domestic deposits to total assets | 83.5514% | 3,571 |
| Equity capital to assets | 9.4733% | 3,399 |
| Core capital (leverage) ratio | 9.5022% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1540% | 3,079 |
| Memoranda: | ||
| Average total assets | $493,976,000 | 1,731 |
| Average earning assets | $480,878,750 | 1,675 |
| Average equity | $45,847,750 | 1,918 |
| Average total loans | $388,815,500 | 1,440 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 2,207 |
| Cost of funding earning assets | 0.4636% | 1,427 |
| Net interest margin | 3.2858% | 2,489 |
| Noninterest income to average assets | 0.2052% | 4,178 |
| Noninterest expense to average assets | 1.8156% | 4,153 |
| Loan and lease loss provision to assets | 0.2433% | 407 |
| Net operating income to assets | 1.2799% | 1,921 |
| Return on assets (ROA) | 1.3011% | 1,935 |
| Pretax return on assets | 1.3696% | 2,416 |
| Return on Equity (ROE) | 14.1161% | 1,377 |
| Retained earnings to average equity (ytd only) | 9.0178% | 1,703 |
| Net charge-offs to loans | -0.0063% | 3,501 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,980 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3032% | 3,886 |
| Assets per employee ($millions) | 10.3430% | 555 |
| Cash dividends to net income (ytd only)* | 36.1172% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 910 |
| Loan loss allowance to noncurrent loans | 81.6517% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 1.7561% | 272 |
| Noncurrent loans to loans | 2.1821% | 413 |
| Net loans and leases to total assets | 79.0427% | 374 |
| Net loans and leases to deposits | 91.9731% | 539 |
| Net loans and leases to core deposits | 98.7335% | 695 |
| Total domestic deposits to total assets | 85.9411% | 2,759 |
| Equity capital to assets | 9.7121% | 3,128 |
| Core capital (leverage) ratio | 9.2548% | 3,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9082% | 2,977 |
| Memoranda: | ||
| Average total assets | $493,278,667 | 1,730 |
| Average earning assets | $480,559,000 | 1,663 |
| Average equity | $45,465,667 | 1,914 |
| Average total loans | $382,120,333 | 1,461 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 2,141 |
| Cost of funding earning assets | 0.4842% | 1,489 |
| Net interest margin | 3.3002% | 2,389 |
| Noninterest income to average assets | 0.2088% | 4,135 |
| Noninterest expense to average assets | 1.8134% | 4,190 |
| Loan and lease loss provision to assets | 0.2390% | 454 |
| Net operating income to assets | 1.3024% | 1,818 |
| Return on assets (ROA) | 1.3425% | 1,788 |
| Pretax return on assets | 1.4135% | 2,248 |
| Return on Equity (ROE) | 14.9464% | 1,226 |
| Retained earnings to average equity (ytd only) | 11.8063% | 1,202 |
| Net charge-offs to loans | -0.0063% | 3,483 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9672% | 3,916 |
| Assets per employee ($millions) | 10.7334% | 482 |
| Cash dividends to net income (ytd only)* | 21.0089% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7219% | 998 |
| Loan loss allowance to noncurrent loans | 68.6401% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 274 |
| Noncurrent loans to loans | 2.5086% | 369 |
| Net loans and leases to total assets | 75.3232% | 694 |
| Net loans and leases to deposits | 86.8024% | 903 |
| Net loans and leases to core deposits | 92.9002% | 1,047 |
| Total domestic deposits to total assets | 86.7755% | 2,406 |
| Equity capital to assets | 9.1555% | 3,540 |
| Core capital (leverage) ratio | 8.8607% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1640% | 2,897 |
| Memoranda: | ||
| Average total assets | $502,030,000 | 1,686 |
| Average earning assets | $489,067,500 | 1,616 |
| Average equity | $45,094,500 | 1,919 |
| Average total loans | $381,736,500 | 1,460 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0949% | 2,433 |
| Cost of funding earning assets | 0.7953% | 1,232 |
| Net interest margin | 3.2996% | 3,067 |
| Noninterest income to average assets | 0.2142% | 4,208 |
| Noninterest expense to average assets | 1.7518% | 4,544 |
| Loan and lease loss provision to assets | 0.5350% | 428 |
| Net operating income to assets | 1.0984% | 1,931 |
| Return on assets (ROA) | 1.1006% | 2,042 |
| Pretax return on assets | 1.1441% | 2,534 |
| Return on Equity (ROE) | 12.1953% | 1,268 |
| Retained earnings to average equity (ytd only) | 4.2306% | 2,692 |
| Net charge-offs to loans | 0.2560% | 676 |
| Credit loss provision to net charge-offs | 259.0361% | 1,893 |
| Earnings coverage of net charge-offs (x) | 8.1185% | 2,628 |
| Efficiency ratio | 51.0918% | 4,461 |
| Assets per employee ($millions) | 11.3406% | 371 |
| Cash dividends to net income (ytd only)* | 65.3100% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,260 |
| Loan loss allowance to noncurrent loans | 69.4786% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.7514% | 361 |
| Noncurrent loans to loans | 2.3212% | 454 |
| Net loans and leases to total assets | 74.2370% | 992 |
| Net loans and leases to deposits | 85.2740% | 1,314 |
| Net loans and leases to core deposits | 93.5684% | 1,270 |
| Total domestic deposits to total assets | 87.0571% | 1,919 |
| Equity capital to assets | 8.8150% | 4,207 |
| Core capital (leverage) ratio | 8.5528% | 4,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5860% | 3,011 |
| Memoranda: | ||
| Average total assets | $482,199,600 | 1,600 |
| Average earning assets | $469,755,600 | 1,539 |
| Average equity | $43,516,800 | 1,887 |
| Average total loans | $389,100,600 | 1,403 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 2,063 |
| Cost of funding earning assets | 0.8653% | 1,190 |
| Net interest margin | 3.4455% | 2,766 |
| Noninterest income to average assets | 0.2228% | 4,160 |
| Noninterest expense to average assets | 1.7908% | 4,514 |
| Loan and lease loss provision to assets | 0.5276% | 539 |
| Net operating income to assets | 1.2000% | 1,632 |
| Return on assets (ROA) | 1.2029% | 1,752 |
| Pretax return on assets | 1.2663% | 2,173 |
| Return on Equity (ROE) | 13.2466% | 1,044 |
| Retained earnings to average equity (ytd only) | 5.1942% | 2,475 |
| Net charge-offs to loans | 0.0021% | 3,127 |
| Credit loss provision to net charge-offs | 31,333.3333% | 35 |
| Earnings coverage of net charge-offs (x) | 1,063.6667% | 113 |
| Efficiency ratio | 50.0000% | 4,492 |
| Assets per employee ($millions) | 11.0686% | 381 |
| Cash dividends to net income (ytd only)* | 60.7884% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6619% | 962 |
| Loan loss allowance to noncurrent loans | 229.2769% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 2,017 |
| Noncurrent loans to loans | 0.7248% | 1,990 |
| Net loans and leases to total assets | 77.2201% | 933 |
| Net loans and leases to deposits | 89.5499% | 1,313 |
| Net loans and leases to core deposits | 102.3516% | 1,008 |
| Total domestic deposits to total assets | 86.2313% | 1,968 |
| Equity capital to assets | 9.0111% | 4,114 |
| Core capital (leverage) ratio | 8.7774% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8074% | 2,961 |
| Memoranda: | ||
| Average total assets | $475,168,250 | 1,603 |
| Average earning assets | $463,198,000 | 1,533 |
| Average equity | $43,149,750 | 1,892 |
| Average total loans | $390,110,750 | 1,386 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4794% | 1,980 |
| Cost of funding earning assets | 0.9621% | 1,097 |
| Net interest margin | 3.5173% | 2,733 |
| Noninterest income to average assets | 0.2203% | 4,175 |
| Noninterest expense to average assets | 1.7779% | 4,588 |
| Loan and lease loss provision to assets | 0.5476% | 615 |
| Net operating income to assets | 1.2553% | 1,476 |
| Return on assets (ROA) | 1.2598% | 1,582 |
| Pretax return on assets | 1.3261% | 1,945 |
| Return on Equity (ROE) | 13.8354% | 914 |
| Retained earnings to average equity (ytd only) | 5.6375% | 2,218 |
| Net charge-offs to loans | 0.0010% | 2,997 |
| Credit loss provision to net charge-offs | 64,000.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 2,184.5000% | 36 |
| Efficiency ratio | 48.7507% | 4,576 |
| Assets per employee ($millions) | 10.8451% | 399 |
| Cash dividends to net income (ytd only)* | 59.2530% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,309 |
| Loan loss allowance to noncurrent loans | 271.5731% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,536 |
| Noncurrent loans to loans | 0.5461% | 2,535 |
| Net loans and leases to total assets | 80.3603% | 559 |
| Net loans and leases to deposits | 92.3552% | 1,117 |
| Net loans and leases to core deposits | 106.7883% | 857 |
| Total domestic deposits to total assets | 87.0122% | 1,609 |
| Equity capital to assets | 9.0698% | 4,022 |
| Core capital (leverage) ratio | 8.7628% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5591% | 3,076 |
| Memoranda: | ||
| Average total assets | $467,528,333 | 1,596 |
| Average earning assets | $455,464,667 | 1,523 |
| Average equity | $42,572,000 | 1,902 |
| Average total loans | $389,773,000 | 1,358 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 2,407 |
| Cost of funding earning assets | 1.1277% | 959 |
| Net interest margin | 3.3381% | 3,490 |
| Noninterest income to average assets | 0.1986% | 4,364 |
| Noninterest expense to average assets | 1.8562% | 4,598 |
| Loan and lease loss provision to assets | 0.3280% | 945 |
| Net operating income to assets | 1.2032% | 1,508 |
| Return on assets (ROA) | 1.2124% | 1,588 |
| Pretax return on assets | 1.2762% | 1,943 |
| Return on Equity (ROE) | 13.2865% | 831 |
| Retained earnings to average equity (ytd only) | 3.8345% | 2,741 |
| Net charge-offs to loans | 0.0114% | 2,177 |
| Credit loss provision to net charge-offs | 3,409.0909% | 232 |
| Earnings coverage of net charge-offs (x) | 165.7273% | 396 |
| Efficiency ratio | 53.7896% | 4,413 |
| Assets per employee ($millions) | 10.2333% | 358 |
| Cash dividends to net income (ytd only)* | 71.1400% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 2,256 |
| Loan loss allowance to noncurrent loans | 2,918.1287% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.1511% | 3,894 |
| Noncurrent loans to loans | 0.0437% | 4,377 |
| Net loans and leases to total assets | 83.8752% | 275 |
| Net loans and leases to deposits | 97.7029% | 753 |
| Net loans and leases to core deposits | 114.6142% | 642 |
| Total domestic deposits to total assets | 85.8472% | 2,060 |
| Equity capital to assets | 9.1056% | 4,532 |
| Core capital (leverage) ratio | 9.1441% | 4,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3431% | 3,263 |
| Memoranda: | ||
| Average total assets | $457,278,500 | 1,580 |
| Average earning assets | $445,517,000 | 1,503 |
| Average equity | $41,726,500 | 1,920 |
| Average total loans | $385,617,000 | 1,338 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5276% | 2,851 |
| Cost of funding earning assets | 1.3517% | 654 |
| Net interest margin | 3.1759% | 4,240 |
| Noninterest income to average assets | 0.2149% | 4,378 |
| Noninterest expense to average assets | 1.7377% | 4,841 |
| Loan and lease loss provision to assets | 0.2475% | 749 |
| Net operating income to assets | 1.2758% | 1,787 |
| Return on assets (ROA) | 1.2760% | 1,863 |
| Pretax return on assets | 1.3294% | 2,399 |
| Return on Equity (ROE) | 14.3749% | 824 |
| Retained earnings to average equity (ytd only) | 5.9835% | 1,876 |
| Net charge-offs to loans | 0.1399% | 1,392 |
| Credit loss provision to net charge-offs | 212.6679% | 1,244 |
| Earnings coverage of net charge-offs (x) | 13.5489% | 2,351 |
| Efficiency ratio | 52.4294% | 4,572 |
| Assets per employee ($millions) | 10.5595% | 317 |
| Cash dividends to net income (ytd only)* | 58.3756% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 2,337 |
| Loan loss allowance to noncurrent loans | 5,317.2414% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,765 |
| Noncurrent loans to loans | 0.0229% | 4,475 |
| Net loans and leases to total assets | 82.6708% | 468 |
| Net loans and leases to deposits | 95.9972% | 940 |
| Net loans and leases to core deposits | 111.5912% | 769 |
| Total domestic deposits to total assets | 86.1179% | 2,026 |
| Equity capital to assets | 9.1446% | 4,615 |
| Core capital (leverage) ratio | 8.9507% | 4,565 |
| Tier 1 risk-based capital ratio | 10.2452% | 5,083 |
| Total risk-based capital ratio | 11.4027% | 5,047 |
| Memoranda: | ||
| Average total assets | $447,719,800 | 1,563 |
| Average earning assets | $436,941,200 | 1,487 |
| Average equity | $39,742,800 | 1,945 |
| Average total loans | $372,477,000 | 1,350 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 3,049 |
| Cost of funding earning assets | 1.3751% | 624 |
| Net interest margin | 3.1305% | 4,429 |
| Noninterest income to average assets | 0.2068% | 4,484 |
| Noninterest expense to average assets | 1.7405% | 4,881 |
| Loan and lease loss provision to assets | 0.2809% | 537 |
| Net operating income to assets | 1.1814% | 2,262 |
| Return on assets (ROA) | 1.1814% | 2,345 |
| Pretax return on assets | 1.2435% | 2,835 |
| Return on Equity (ROE) | 13.4117% | 1,137 |
| Retained earnings to average equity (ytd only) | 4.9942% | 2,894 |
| Net charge-offs to loans | -0.0011% | 4,005 |
| Credit loss provision to net charge-offs | -31,333.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3089% | 4,465 |
| Assets per employee ($millions) | 11.1587% | 260 |
| Cash dividends to net income (ytd only)* | 62.7626% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 1,933 |
| Loan loss allowance to noncurrent loans | 127.6454% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.8531% | 1,603 |
| Noncurrent loans to loans | 1.0250% | 1,565 |
| Net loans and leases to total assets | 82.1421% | 550 |
| Net loans and leases to deposits | 95.3508% | 1,092 |
| Net loans and leases to core deposits | 112.4135% | 824 |
| Total domestic deposits to total assets | 86.1473% | 1,927 |
| Equity capital to assets | 8.8963% | 4,828 |
| Core capital (leverage) ratio | 8.8377% | 4,753 |
| Tier 1 risk-based capital ratio | 9.9414% | 5,200 |
| Total risk-based capital ratio | 11.1785% | 5,152 |
| Memoranda: | ||
| Average total assets | $446,134,750 | 1,573 |
| Average earning assets | $435,831,250 | 1,501 |
| Average equity | $39,298,000 | 1,974 |
| Average total loans | $370,596,000 | 1,369 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 3,116 |
| Cost of funding earning assets | 1.3753% | 586 |
| Net interest margin | 3.0920% | 4,550 |
| Noninterest income to average assets | 0.2017% | 4,544 |
| Noninterest expense to average assets | 1.7502% | 4,924 |
| Loan and lease loss provision to assets | 0.3233% | 412 |
| Net operating income to assets | 1.0919% | 2,557 |
| Return on assets (ROA) | 1.0919% | 2,625 |
| Pretax return on assets | 1.1493% | 3,079 |
| Return on Equity (ROE) | 12.4387% | 1,437 |
| Retained earnings to average equity (ytd only) | 4.3111% | 3,099 |
| Net charge-offs to loans | 0.0033% | 3,049 |
| Credit loss provision to net charge-offs | 11,916.6667% | 22 |
| Earnings coverage of net charge-offs (x) | 542.8333% | 139 |
| Efficiency ratio | 54.3070% | 4,436 |
| Assets per employee ($millions) | 10.5749% | 297 |
| Cash dividends to net income (ytd only)* | 65.3416% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,117 |
| Loan loss allowance to noncurrent loans | 149.9684% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 1,927 |
| Noncurrent loans to loans | 0.8502% | 1,901 |
| Net loans and leases to total assets | 82.7705% | 506 |
| Net loans and leases to deposits | 96.3895% | 997 |
| Net loans and leases to core deposits | 112.5752% | 845 |
| Total domestic deposits to total assets | 85.8708% | 2,099 |
| Equity capital to assets | 8.9545% | 4,820 |
| Core capital (leverage) ratio | 8.8621% | 4,745 |
| Tier 1 risk-based capital ratio | 10.0170% | 5,224 |
| Total risk-based capital ratio | 11.2240% | 5,174 |
| Memoranda: | ||
| Average total assets | $442,344,330 | 1,586 |
| Average earning assets | $432,205,670 | 1,520 |
| Average equity | $38,830,330 | 1,991 |
| Average total loans | $367,199,000 | 1,380 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 3,286 |
| Cost of funding earning assets | 1.3495% | 557 |
| Net interest margin | 3.0351% | 4,702 |
| Noninterest income to average assets | 0.1785% | 4,680 |
| Noninterest expense to average assets | 1.7687% | 4,954 |
| Loan and lease loss provision to assets | 0.3806% | 305 |
| Net operating income to assets | 0.9484% | 3,054 |
| Return on assets (ROA) | 0.9433% | 3,120 |
| Pretax return on assets | 0.9931% | 3,458 |
| Return on Equity (ROE) | 10.8551% | 2,001 |
| Retained earnings to average equity (ytd only) | 2.5756% | 3,897 |
| Net charge-offs to loans | 0.0033% | 2,622 |
| Credit loss provision to net charge-offs | 14,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 507.3333% | 151 |
| Efficiency ratio | 56.1888% | 4,307 |
| Assets per employee ($millions) | 11.1665% | 252 |
| Cash dividends to net income (ytd only)* | 76.2728% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 2,499 |
| Loan loss allowance to noncurrent loans | 316.4773% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,332 |
| Noncurrent loans to loans | 0.3840% | 3,210 |
| Net loans and leases to total assets | 81.1039% | 696 |
| Net loans and leases to deposits | 92.1989% | 1,380 |
| Net loans and leases to core deposits | 108.4777% | 1,027 |
| Total domestic deposits to total assets | 87.9662% | 1,351 |
| Equity capital to assets | 8.6708% | 4,892 |
| Core capital (leverage) ratio | 8.8557% | 4,748 |
| Tier 1 risk-based capital ratio | 9.9203% | 5,298 |
| Total risk-based capital ratio | 11.0593% | 5,278 |
| Memoranda: | ||
| Average total assets | $441,444,500 | 1,595 |
| Average earning assets | $431,874,500 | 1,529 |
| Average equity | $38,360,000 | 1,999 |
| Average total loans | $364,614,500 | 1,392 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 3,533 |
| Cost of funding earning assets | 1.0600% | 579 |
| Net interest margin | 3.1082% | 4,641 |
| Noninterest income to average assets | 0.2167% | 4,614 |
| Noninterest expense to average assets | 1.7578% | 5,043 |
| Loan and lease loss provision to assets | 0.1102% | 1,992 |
| Net operating income to assets | 1.3334% | 1,677 |
| Return on assets (ROA) | 1.3334% | 1,664 |
| Pretax return on assets | 1.3920% | 2,157 |
| Return on Equity (ROE) | 15.4972% | 725 |
| Retained earnings to average equity (ytd only) | 7.7224% | 1,365 |
| Net charge-offs to loans | 0.1726% | 1,119 |
| Credit loss provision to net charge-offs | 79.0816% | 2,879 |
| Earnings coverage of net charge-offs (x) | 10.7772% | 2,687 |
| Efficiency ratio | 53.9194% | 4,626 |
| Assets per employee ($millions) | 11.1854% | 249 |
| Cash dividends to net income (ytd only)* | 50.1689% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,011 |
| Loan loss allowance to noncurrent loans | 606.4565% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 4,067 |
| Noncurrent loans to loans | 0.1837% | 3,920 |
| Net loans and leases to total assets | 82.1760% | 626 |
| Net loans and leases to deposits | 94.2837% | 1,247 |
| Net loans and leases to core deposits | 109.9033% | 1,010 |
| Total domestic deposits to total assets | 87.1582% | 1,702 |
| Equity capital to assets | 8.7089% | 4,792 |
| Core capital (leverage) ratio | 8.8394% | 4,782 |
| Tier 1 risk-based capital ratio | 9.8730% | 5,338 |
| Total risk-based capital ratio | 10.9070% | 5,331 |
| Memoranda: | ||
| Average total assets | $421,844,800 | 1,619 |
| Average earning assets | $413,036,400 | 1,548 |
| Average equity | $36,296,800 | 2,017 |
| Average total loans | $340,618,800 | 1,438 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,639 |
| Cost of funding earning assets | 0.9939% | 613 |
| Net interest margin | 3.1037% | 4,698 |
| Noninterest income to average assets | 0.2136% | 4,687 |
| Noninterest expense to average assets | 1.7507% | 5,086 |
| Loan and lease loss provision to assets | 0.1004% | 1,992 |
| Net operating income to assets | 1.3331% | 1,730 |
| Return on assets (ROA) | 1.3331% | 1,740 |
| Pretax return on assets | 1.4036% | 2,213 |
| Return on Equity (ROE) | 15.5432% | 777 |
| Retained earnings to average equity (ytd only) | 6.5005% | 2,385 |
| Net charge-offs to loans | 0.1583% | 1,045 |
| Credit loss provision to net charge-offs | 79.1457% | 2,537 |
| Earnings coverage of net charge-offs (x) | 11.8543% | 2,488 |
| Efficiency ratio | 53.7904% | 4,629 |
| Assets per employee ($millions) | 10.7325% | 265 |
| Cash dividends to net income (ytd only)* | 58.1779% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,874 |
| Loan loss allowance to noncurrent loans | 703.2759% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,277 |
| Noncurrent loans to loans | 0.1643% | 4,149 |
| Net loans and leases to total assets | 81.2688% | 836 |
| Net loans and leases to deposits | 92.9243% | 1,510 |
| Net loans and leases to core deposits | 109.3186% | 1,080 |
| Total domestic deposits to total assets | 87.4570% | 1,509 |
| Equity capital to assets | 8.5050% | 4,919 |
| Core capital (leverage) ratio | 8.8950% | 4,805 |
| Tier 1 risk-based capital ratio | 9.9022% | 5,398 |
| Total risk-based capital ratio | 10.9790% | 5,391 |
| Memoranda: | ||
| Average total assets | $418,248,250 | 1,640 |
| Average earning assets | $409,822,750 | 1,568 |
| Average equity | $35,873,250 | 2,043 |
| Average total loans | $335,144,500 | 1,461 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,727 |
| Cost of funding earning assets | 0.9356% | 624 |
| Net interest margin | 3.0836% | 4,762 |
| Noninterest income to average assets | 0.2128% | 4,742 |
| Noninterest expense to average assets | 1.7590% | 5,143 |
| Loan and lease loss provision to assets | 0.0482% | 2,946 |
| Net operating income to assets | 1.3581% | 1,574 |
| Return on assets (ROA) | 1.3581% | 1,579 |
| Pretax return on assets | 1.4299% | 2,054 |
| Return on Equity (ROE) | 15.7879% | 713 |
| Retained earnings to average equity (ytd only) | 6.6348% | 2,240 |
| Net charge-offs to loans | 0.2363% | 672 |
| Credit loss provision to net charge-offs | 25.7069% | 2,652 |
| Earnings coverage of net charge-offs (x) | 7.8766% | 2,520 |
| Efficiency ratio | 54.3368% | 4,657 |
| Assets per employee ($millions) | 9.7761% | 341 |
| Cash dividends to net income (ytd only)* | 57.9751% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,139 |
| Loan loss allowance to noncurrent loans | 663.1849% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 4,295 |
| Noncurrent loans to loans | 0.1692% | 4,153 |
| Net loans and leases to total assets | 81.1672% | 830 |
| Net loans and leases to deposits | 93.1661% | 1,452 |
| Net loans and leases to core deposits | 111.6498% | 903 |
| Total domestic deposits to total assets | 87.1209% | 1,791 |
| Equity capital to assets | 8.5960% | 4,876 |
| Core capital (leverage) ratio | 8.8756% | 4,816 |
| Tier 1 risk-based capital ratio | 9.9803% | 5,435 |
| Total risk-based capital ratio | 11.0266% | 5,430 |
| Memoranda: | ||
| Average total assets | $414,564,330 | 1,662 |
| Average earning assets | $406,602,330 | 1,584 |
| Average equity | $35,660,330 | 2,058 |
| Average total loans | $329,204,000 | 1,483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8397% | 4,109 |
| Cost of funding earning assets | 0.8674% | 700 |
| Net interest margin | 2.9724% | 4,913 |
| Noninterest income to average assets | 0.1885% | 4,895 |
| Noninterest expense to average assets | 1.7684% | 5,183 |
| Loan and lease loss provision to assets | 0.0243% | 3,206 |
| Net operating income to assets | 1.2467% | 1,820 |
| Return on assets (ROA) | 1.2467% | 1,832 |
| Pretax return on assets | 1.3127% | 2,314 |
| Return on Equity (ROE) | 14.4878% | 904 |
| Retained earnings to average equity (ytd only) | 5.1944% | 3,081 |
| Net charge-offs to loans | 0.0162% | 2,192 |
| Credit loss provision to net charge-offs | 192.3077% | 1,067 |
| Earnings coverage of net charge-offs (x) | 105.8462% | 591 |
| Efficiency ratio | 56.9462% | 4,474 |
| Assets per employee ($millions) | 10.8567% | 250 |
| Cash dividends to net income (ytd only)* | 64.1465% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,269 |
| Loan loss allowance to noncurrent loans | 362.6412% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 3,781 |
| Noncurrent loans to loans | 0.3571% | 3,490 |
| Net loans and leases to total assets | 75.1315% | 1,684 |
| Net loans and leases to deposits | 85.2672% | 2,266 |
| Net loans and leases to core deposits | 118.0171% | 653 |
| Total domestic deposits to total assets | 88.1130% | 1,553 |
| Equity capital to assets | 8.3706% | 5,066 |
| Core capital (leverage) ratio | 8.9589% | 4,725 |
| Tier 1 risk-based capital ratio | 10.4251% | 5,374 |
| Total risk-based capital ratio | 11.6263% | 5,311 |
| Memoranda: | ||
| Average total assets | $411,660,500 | 1,681 |
| Average earning assets | $403,987,000 | 1,605 |
| Average equity | $35,423,000 | 2,076 |
| Average total loans | $321,267,500 | 1,518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8143% | 4,001 |
| Cost of funding earning assets | 0.7062% | 991 |
| Net interest margin | 3.1081% | 4,676 |
| Noninterest income to average assets | 0.2656% | 4,539 |
| Noninterest expense to average assets | 1.7223% | 5,310 |
| Loan and lease loss provision to assets | 0.1988% | 1,046 |
| Net operating income to assets | 1.3431% | 1,130 |
| Return on assets (ROA) | 1.3540% | 1,130 |
| Pretax return on assets | 1.3981% | 1,998 |
| Return on Equity (ROE) | 15.3794% | 564 |
| Retained earnings to average equity (ytd only) | 5.0348% | 2,105 |
| Net charge-offs to loans | 0.0042% | 3,946 |
| Credit loss provision to net charge-offs | 6,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 478.5385% | 180 |
| Efficiency ratio | 52.0650% | 5,096 |
| Assets per employee ($millions) | 10.5239% | 267 |
| Cash dividends to net income (ytd only)* | 67.2628% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 2,219 |
| Loan loss allowance to noncurrent loans | 186.6368% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 2,683 |
| Noncurrent loans to loans | 0.6963% | 2,468 |
| Net loans and leases to total assets | 79.0388% | 1,113 |
| Net loans and leases to deposits | 92.0950% | 1,509 |
| Net loans and leases to core deposits | 111.9837% | 900 |
| Total domestic deposits to total assets | 85.8231% | 2,523 |
| Equity capital to assets | 8.8530% | 4,854 |
| Core capital (leverage) ratio | 8.8364% | 4,828 |
| Tier 1 risk-based capital ratio | 10.4953% | 5,368 |
| Total risk-based capital ratio | 11.7168% | 5,293 |
| Memoranda: | ||
| Average total assets | $392,318,200 | 1,741 |
| Average earning assets | $384,028,000 | 1,653 |
| Average equity | $34,539,600 | 2,108 |
| Average total loans | $308,682,600 | 1,535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,082 |
| Cost of funding earning assets | 0.6761% | 1,089 |
| Net interest margin | 3.0991% | 4,714 |
| Noninterest income to average assets | 0.2602% | 4,644 |
| Noninterest expense to average assets | 1.7017% | 5,364 |
| Loan and lease loss provision to assets | 0.2322% | 780 |
| Net operating income to assets | 1.2916% | 1,368 |
| Return on assets (ROA) | 1.3056% | 1,351 |
| Pretax return on assets | 1.3746% | 2,198 |
| Return on Equity (ROE) | 14.8505% | 670 |
| Retained earnings to average equity (ytd only) | 3.1193% | 4,054 |
| Net charge-offs to loans | 0.0065% | 3,499 |
| Credit loss provision to net charge-offs | 4,533.3333% | 95 |
| Earnings coverage of net charge-offs (x) | 310.7920% | 297 |
| Efficiency ratio | 51.6641% | 5,129 |
| Assets per employee ($millions) | 11.1828% | 219 |
| Cash dividends to net income (ytd only)* | 78.9956% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,509 |
| Loan loss allowance to noncurrent loans | 164.4390% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6734% | 2,476 |
| Noncurrent loans to loans | 0.7734% | 2,431 |
| Net loans and leases to total assets | 78.2871% | 1,231 |
| Net loans and leases to deposits | 89.5779% | 1,861 |
| Net loans and leases to core deposits | 114.6127% | 802 |
| Total domestic deposits to total assets | 87.3956% | 1,674 |
| Equity capital to assets | 8.6519% | 5,186 |
| Core capital (leverage) ratio | 8.7876% | 4,982 |
| Tier 1 risk-based capital ratio | 10.0294% | 5,590 |
| Total risk-based capital ratio | 11.1986% | 5,573 |
| Memoranda: | ||
| Average total assets | $390,420,250 | 1,761 |
| Average earning assets | $382,164,750 | 1,669 |
| Average equity | $34,323,500 | 2,130 |
| Average total loans | $305,791,750 | 1,558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,167 |
| Cost of funding earning assets | 0.6411% | 1,205 |
| Net interest margin | 3.0780% | 4,731 |
| Noninterest income to average assets | 0.2490% | 4,751 |
| Noninterest expense to average assets | 1.6803% | 5,434 |
| Loan and lease loss provision to assets | 0.0932% | 2,128 |
| Net operating income to assets | 1.4128% | 1,033 |
| Return on assets (ROA) | 1.4344% | 1,020 |
| Pretax return on assets | 1.5105% | 1,600 |
| Return on Equity (ROE) | 16.2263% | 499 |
| Retained earnings to average equity (ytd only) | 4.1693% | 3,224 |
| Net charge-offs to loans | 0.0053% | 3,276 |
| Credit loss provision to net charge-offs | 2,250.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 381.7500% | 222 |
| Efficiency ratio | 51.5238% | 5,209 |
| Assets per employee ($millions) | 10.9567% | 226 |
| Cash dividends to net income (ytd only)* | 74.3053% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,399 |
| Loan loss allowance to noncurrent loans | 157.4834% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,614 |
| Noncurrent loans to loans | 0.7204% | 2,589 |
| Net loans and leases to total assets | 78.8044% | 1,122 |
| Net loans and leases to deposits | 94.3308% | 1,232 |
| Net loans and leases to core deposits | 120.5646% | 536 |
| Total domestic deposits to total assets | 83.5405% | 3,388 |
| Equity capital to assets | 8.8117% | 5,059 |
| Core capital (leverage) ratio | 8.9609% | 4,765 |
| Tier 1 risk-based capital ratio | 10.4170% | 5,498 |
| Total risk-based capital ratio | 11.4867% | 5,500 |
| Memoranda: | ||
| Average total assets | $386,366,670 | 1,774 |
| Average earning assets | $378,108,670 | 1,689 |
| Average equity | $34,154,330 | 2,136 |
| Average total loans | $301,312,670 | 1,574 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 4,120 |
| Cost of funding earning assets | 0.5827% | 1,498 |
| Net interest margin | 3.1166% | 4,614 |
| Noninterest income to average assets | 0.2584% | 4,684 |
| Noninterest expense to average assets | 1.6991% | 5,478 |
| Loan and lease loss provision to assets | 0.0418% | 2,965 |
| Net operating income to assets | 1.4888% | 829 |
| Return on assets (ROA) | 1.4888% | 858 |
| Pretax return on assets | 1.5672% | 1,320 |
| Return on Equity (ROE) | 16.8139% | 432 |
| Retained earnings to average equity (ytd only) | 5.2108% | 2,780 |
| Net charge-offs to loans | -0.0136% | 4,545 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3599% | 5,299 |
| Assets per employee ($millions) | 10.4114% | 266 |
| Cash dividends to net income (ytd only)* | 69.0091% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 3,304 |
| Loan loss allowance to noncurrent loans | 405.7715% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 3,951 |
| Noncurrent loans to loans | 0.2883% | 4,084 |
| Net loans and leases to total assets | 75.5488% | 1,492 |
| Net loans and leases to deposits | 86.9099% | 1,923 |
| Net loans and leases to core deposits | 96.9134% | 1,757 |
| Total domestic deposits to total assets | 86.9277% | 2,249 |
| Equity capital to assets | 8.8687% | 4,936 |
| Core capital (leverage) ratio | 9.1186% | 4,587 |
| Tier 1 risk-based capital ratio | 11.0747% | 5,267 |
| Total risk-based capital ratio | 12.1816% | 5,265 |
| Memoranda: | ||
| Average total assets | $382,330,000 | 1,809 |
| Average earning assets | $374,128,500 | 1,715 |
| Average equity | $33,853,000 | 2,158 |
| Average total loans | $294,767,500 | 1,611 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6932% | 4,226 |
| Cost of funding earning assets | 0.5110% | 2,006 |
| Net interest margin | 3.1822% | 4,495 |
| Noninterest income to average assets | 0.3216% | 4,439 |
| Noninterest expense to average assets | 1.8179% | 5,460 |
| Loan and lease loss provision to assets | 0.0678% | 3,015 |
| Net operating income to assets | 1.4844% | 861 |
| Return on assets (ROA) | 1.4867% | 873 |
| Pretax return on assets | 1.5526% | 1,422 |
| Return on Equity (ROE) | 16.3248% | 476 |
| Retained earnings to average equity (ytd only) | 4.6128% | 2,630 |
| Net charge-offs to loans | 0.0579% | 2,890 |
| Credit loss provision to net charge-offs | 151.5152% | 1,804 |
| Earnings coverage of net charge-offs (x) | 36.1576% | 1,266 |
| Efficiency ratio | 52.9087% | 5,319 |
| Assets per employee ($millions) | 10.5400% | 259 |
| Cash dividends to net income (ytd only)* | 71.7439% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 3,426 |
| Loan loss allowance to noncurrent loans | 474.8252% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 4,160 |
| Noncurrent loans to loans | 0.2423% | 4,283 |
| Net loans and leases to total assets | 76.8675% | 1,386 |
| Net loans and leases to deposits | 92.2626% | 1,411 |
| Net loans and leases to core deposits | 105.5144% | 1,164 |
| Total domestic deposits to total assets | 83.3138% | 3,658 |
| Equity capital to assets | 8.8399% | 4,974 |
| Core capital (leverage) ratio | 9.0435% | 4,685 |
| Tier 1 risk-based capital ratio | 10.9071% | 5,389 |
| Total risk-based capital ratio | 11.9954% | 5,371 |
| Memoranda: | ||
| Average total assets | $368,729,400 | 1,818 |
| Average earning assets | $360,855,800 | 1,717 |
| Average equity | $33,580,800 | 2,151 |
| Average total loans | $285,099,600 | 1,591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 4,300 |
| Cost of funding earning assets | 0.5027% | 2,084 |
| Net interest margin | 3.1830% | 4,530 |
| Noninterest income to average assets | 0.3322% | 4,414 |
| Noninterest expense to average assets | 1.8190% | 5,496 |
| Loan and lease loss provision to assets | 0.0637% | 2,964 |
| Net operating income to assets | 1.4888% | 898 |
| Return on assets (ROA) | 1.4919% | 940 |
| Pretax return on assets | 1.5706% | 1,463 |
| Return on Equity (ROE) | 16.2582% | 515 |
| Retained earnings to average equity (ytd only) | 4.2233% | 3,320 |
| Net charge-offs to loans | 0.0797% | 2,184 |
| Credit loss provision to net charge-offs | 103.5503% | 2,299 |
| Earnings coverage of net charge-offs (x) | 26.4968% | 1,597 |
| Efficiency ratio | 52.7238% | 5,336 |
| Assets per employee ($millions) | 10.8516% | 225 |
| Cash dividends to net income (ytd only)* | 74.0235% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,530 |
| Loan loss allowance to noncurrent loans | 445.6989% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 4,244 |
| Noncurrent loans to loans | 0.2584% | 4,339 |
| Net loans and leases to total assets | 77.1461% | 1,334 |
| Net loans and leases to deposits | 90.2784% | 1,716 |
| Net loans and leases to core deposits | 99.7176% | 1,665 |
| Total domestic deposits to total assets | 85.4536% | 2,622 |
| Equity capital to assets | 9.2783% | 4,887 |
| Core capital (leverage) ratio | 9.1494% | 4,661 |
| Tier 1 risk-based capital ratio | 11.0068% | 5,365 |
| Total risk-based capital ratio | 12.0950% | 5,365 |
| Memoranda: | ||
| Average total assets | $366,051,750 | 1,831 |
| Average earning assets | $358,562,500 | 1,731 |
| Average equity | $33,590,500 | 2,170 |
| Average total loans | $282,609,250 | 1,604 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,445 |
| Cost of funding earning assets | 0.4973% | 2,120 |
| Net interest margin | 3.1530% | 4,684 |
| Noninterest income to average assets | 0.3106% | 4,555 |
| Noninterest expense to average assets | 1.8292% | 5,560 |
| Loan and lease loss provision to assets | 0.0822% | 2,495 |
| Net operating income to assets | 1.4125% | 1,043 |
| Return on assets (ROA) | 1.4172% | 1,079 |
| Pretax return on assets | 1.4923% | 1,688 |
| Return on Equity (ROE) | 15.5020% | 608 |
| Retained earnings to average equity (ytd only) | 3.7691% | 3,494 |
| Net charge-offs to loans | 0.0570% | 2,375 |
| Credit loss provision to net charge-offs | 187.5000% | 1,361 |
| Earnings coverage of net charge-offs (x) | 35.8125% | 1,242 |
| Efficiency ratio | 53.8201% | 5,325 |
| Assets per employee ($millions) | 10.2325% | 262 |
| Cash dividends to net income (ytd only)* | 75.6861% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,487 |
| Loan loss allowance to noncurrent loans | 1,557.6037% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 4,684 |
| Noncurrent loans to loans | 0.0755% | 5,150 |
| Net loans and leases to total assets | 77.1008% | 1,317 |
| Net loans and leases to deposits | 92.2094% | 1,485 |
| Net loans and leases to core deposits | 99.9557% | 1,636 |
| Total domestic deposits to total assets | 83.6149% | 3,415 |
| Equity capital to assets | 9.2477% | 5,026 |
| Core capital (leverage) ratio | 9.0305% | 4,792 |
| Tier 1 risk-based capital ratio | 10.9933% | 5,426 |
| Total risk-based capital ratio | 12.1157% | 5,417 |
| Memoranda: | ||
| Average total assets | $365,083,670 | 1,836 |
| Average earning assets | $357,561,000 | 1,742 |
| Average equity | $33,376,330 | 2,180 |
| Average total loans | $280,828,670 | 1,616 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 4,613 |
| Cost of funding earning assets | 0.4911% | 2,170 |
| Net interest margin | 3.1074% | 4,838 |
| Noninterest income to average assets | 0.2928% | 4,627 |
| Noninterest expense to average assets | 1.7698% | 5,682 |
| Loan and lease loss provision to assets | 0.0825% | 2,305 |
| Net operating income to assets | 1.4088% | 1,024 |
| Return on assets (ROA) | 1.4088% | 1,080 |
| Pretax return on assets | 1.4836% | 1,647 |
| Return on Equity (ROE) | 15.5004% | 601 |
| Retained earnings to average equity (ytd only) | 3.5966% | 3,695 |
| Net charge-offs to loans | 0.0850% | 1,650 |
| Credit loss provision to net charge-offs | 127.1186% | 1,378 |
| Earnings coverage of net charge-offs (x) | 24.1186% | 1,341 |
| Efficiency ratio | 53.0518% | 5,450 |
| Assets per employee ($millions) | 9.9703% | 283 |
| Cash dividends to net income (ytd only)* | 76.7969% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 3,529 |
| Loan loss allowance to noncurrent loans | 588.6726% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,389 |
| Noncurrent loans to loans | 0.2024% | 4,695 |
| Net loans and leases to total assets | 74.7591% | 1,604 |
| Net loans and leases to deposits | 86.1786% | 2,045 |
| Net loans and leases to core deposits | 92.8632% | 2,103 |
| Total domestic deposits to total assets | 86.7490% | 2,328 |
| Equity capital to assets | 9.0417% | 5,129 |
| Core capital (leverage) ratio | 9.1280% | 4,695 |
| Tier 1 risk-based capital ratio | 11.3390% | 5,318 |
| Total risk-based capital ratio | 12.4898% | 5,280 |
| Memoranda: | ||
| Average total assets | $363,440,000 | 1,848 |
| Average earning assets | $355,923,500 | 1,750 |
| Average equity | $33,031,500 | 2,193 |
| Average total loans | $277,544,500 | 1,625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,538 |
| Cost of funding earning assets | 0.4420% | 2,721 |
| Net interest margin | 3.2039% | 4,617 |
| Noninterest income to average assets | 0.2356% | 5,185 |
| Noninterest expense to average assets | 1.8011% | 5,732 |
| Loan and lease loss provision to assets | 0.2210% | 928 |
| Net operating income to assets | 1.2777% | 1,329 |
| Return on assets (ROA) | 1.3615% | 1,165 |
| Pretax return on assets | 1.4214% | 1,819 |
| Return on Equity (ROE) | 14.7369% | 728 |
| Retained earnings to average equity (ytd only) | 5.7717% | 1,915 |
| Net charge-offs to loans | 0.0632% | 2,961 |
| Credit loss provision to net charge-offs | 487.3418% | 647 |
| Earnings coverage of net charge-offs (x) | 34.2975% | 1,321 |
| Efficiency ratio | 53.6640% | 5,540 |
| Assets per employee ($millions) | 9.6751% | 298 |
| Cash dividends to net income (ytd only)* | 60.8347% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 3,490 |
| Loan loss allowance to noncurrent loans | 621.0131% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 4,326 |
| Noncurrent loans to loans | 0.1931% | 4,712 |
| Net loans and leases to total assets | 76.1682% | 1,387 |
| Net loans and leases to deposits | 88.3114% | 1,837 |
| Net loans and leases to core deposits | 101.5720% | 1,399 |
| Total domestic deposits to total assets | 86.2495% | 2,514 |
| Equity capital to assets | 9.1368% | 4,979 |
| Core capital (leverage) ratio | 8.9231% | 4,977 |
| Tier 1 risk-based capital ratio | 11.5441% | 5,217 |
| Total risk-based capital ratio | 12.7207% | 5,177 |
| Memoranda: | ||
| Average total assets | $348,449,400 | 1,876 |
| Average earning assets | $339,400,800 | 1,785 |
| Average equity | $32,191,400 | 2,192 |
| Average total loans | $250,018,400 | 1,729 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 4,776 |
| Cost of funding earning assets | 0.4322% | 2,879 |
| Net interest margin | 3.1546% | 4,811 |
| Noninterest income to average assets | 0.2134% | 5,373 |
| Noninterest expense to average assets | 1.7472% | 5,854 |
| Loan and lease loss provision to assets | 0.2389% | 741 |
| Net operating income to assets | 1.2329% | 1,546 |
| Return on assets (ROA) | 1.3427% | 1,285 |
| Pretax return on assets | 1.4136% | 1,962 |
| Return on Equity (ROE) | 14.4923% | 810 |
| Retained earnings to average equity (ytd only) | 7.4811% | 1,455 |
| Net charge-offs to loans | 0.0717% | 2,538 |
| Credit loss provision to net charge-offs | 473.2824% | 677 |
| Earnings coverage of net charge-offs (x) | 30.4508% | 1,479 |
| Efficiency ratio | 53.2027% | 5,570 |
| Assets per employee ($millions) | 9.7233% | 299 |
| Cash dividends to net income (ytd only)* | 48.3787% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,764 |
| Loan loss allowance to noncurrent loans | 206.6796% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.6043% | 3,456 |
| Noncurrent loans to loans | 0.5706% | 3,625 |
| Net loans and leases to total assets | 74.2289% | 1,699 |
| Net loans and leases to deposits | 85.8822% | 2,158 |
| Net loans and leases to core deposits | 96.0829% | 1,870 |
| Total domestic deposits to total assets | 86.4311% | 2,316 |
| Equity capital to assets | 9.1630% | 5,155 |
| Core capital (leverage) ratio | 9.0279% | 4,963 |
| Tier 1 risk-based capital ratio | 11.7590% | 5,232 |
| Total risk-based capital ratio | 12.9151% | 5,211 |
| Memoranda: | ||
| Average total assets | $346,067,000 | 1,903 |
| Average earning assets | $336,856,750 | 1,816 |
| Average equity | $32,062,250 | 2,209 |
| Average total loans | $243,529,000 | 1,778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 4,971 |
| Cost of funding earning assets | 0.4243% | 2,995 |
| Net interest margin | 3.0786% | 5,022 |
| Noninterest income to average assets | 0.3086% | 4,748 |
| Noninterest expense to average assets | 1.8091% | 5,835 |
| Loan and lease loss provision to assets | 0.2899% | 548 |
| Net operating income to assets | 1.1408% | 1,804 |
| Return on assets (ROA) | 1.3078% | 1,358 |
| Pretax return on assets | 1.3769% | 2,079 |
| Return on Equity (ROE) | 14.0611% | 889 |
| Retained earnings to average equity (ytd only) | 8.0286% | 1,257 |
| Net charge-offs to loans | 0.2242% | 1,143 |
| Credit loss provision to net charge-offs | 188.2129% | 1,297 |
| Earnings coverage of net charge-offs (x) | 9.6806% | 2,430 |
| Efficiency ratio | 54.8181% | 5,520 |
| Assets per employee ($millions) | 9.8743% | 268 |
| Cash dividends to net income (ytd only)* | 42.9019% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 4,289 |
| Loan loss allowance to noncurrent loans | 527.9279% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.3981% | 4,312 |
| Noncurrent loans to loans | 0.2095% | 4,933 |
| Net loans and leases to total assets | 73.6848% | 1,710 |
| Net loans and leases to deposits | 90.0911% | 1,584 |
| Net loans and leases to core deposits | 100.7256% | 1,427 |
| Total domestic deposits to total assets | 81.7892% | 4,363 |
| Equity capital to assets | 9.0144% | 5,220 |
| Core capital (leverage) ratio | 9.1214% | 4,790 |
| Tier 1 risk-based capital ratio | 11.5707% | 5,417 |
| Total risk-based capital ratio | 12.6337% | 5,459 |
| Memoranda: | ||
| Average total assets | $341,501,670 | 1,939 |
| Average earning assets | $331,842,330 | 1,854 |
| Average equity | $31,761,330 | 2,232 |
| Average total loans | $234,627,000 | 1,843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3733% | 5,270 |
| Cost of funding earning assets | 0.4100% | 3,191 |
| Net interest margin | 2.9633% | 5,307 |
| Noninterest income to average assets | 0.2989% | 4,783 |
| Noninterest expense to average assets | 1.8331% | 5,847 |
| Loan and lease loss provision to assets | 0.1794% | 1,074 |
| Net operating income to assets | 1.1061% | 1,847 |
| Return on assets (ROA) | 1.1061% | 1,953 |
| Pretax return on assets | 1.1647% | 2,813 |
| Return on Equity (ROE) | 11.7015% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.6293% | 2,697 |
| Net charge-offs to loans | 0.0200% | 2,752 |
| Credit loss provision to net charge-offs | 1,363.6364% | 267 |
| Earnings coverage of net charge-offs (x) | 102.1818% | 486 |
| Efficiency ratio | 57.6967% | 5,371 |
| Assets per employee ($millions) | 9.0901% | 350 |
| Cash dividends to net income (ytd only)* | 51.8919% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 3,734 |
| Loan loss allowance to noncurrent loans | 768.8347% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3876% | 4,474 |
| Noncurrent loans to loans | 0.1614% | 5,194 |
| Net loans and leases to total assets | 65.3713% | 2,867 |
| Net loans and leases to deposits | 76.0157% | 3,053 |
| Net loans and leases to core deposits | 78.2303% | 3,354 |
| Total domestic deposits to total assets | 85.9971% | 2,941 |
| Equity capital to assets | 9.2959% | 4,976 |
| Core capital (leverage) ratio | 9.5508% | 4,200 |
| Tier 1 risk-based capital ratio | 12.5329% | 4,886 |
| Total risk-based capital ratio | 13.6776% | 4,869 |
| Memoranda: | ||
| Average total assets | $334,515,000 | 1,990 |
| Average earning assets | $324,903,500 | 1,897 |
| Average equity | $31,620,000 | 2,251 |
| Average total loans | $219,510,000 | 1,942 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 5,406 |
| Cost of funding earning assets | 0.4362% | 3,322 |
| Net interest margin | 3.0288% | 5,378 |
| Noninterest income to average assets | 0.2304% | 5,480 |
| Noninterest expense to average assets | 1.7580% | 6,106 |
| Loan and lease loss provision to assets | 0.3501% | 544 |
| Net operating income to assets | 1.0164% | 2,310 |
| Return on assets (ROA) | 1.0702% | 2,137 |
| Pretax return on assets | 1.1184% | 3,015 |
| Return on Equity (ROE) | 11.5730% | 1,534 |
| Retained earnings to average equity (ytd only) | 3.1890% | 3,966 |
| Net charge-offs to loans | 1.3264% | 194 |
| Credit loss provision to net charge-offs | 41.3090% | 3,654 |
| Earnings coverage of net charge-offs (x) | 1.6667% | 4,364 |
| Efficiency ratio | 55.4493% | 5,721 |
| Assets per employee ($millions) | 8.7462% | 390 |
| Cash dividends to net income (ytd only)* | 72.4441% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 3,527 |
| Loan loss allowance to noncurrent loans | 134.5636% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 2,920 |
| Noncurrent loans to loans | 0.9531% | 2,944 |
| Net loans and leases to total assets | 64.1758% | 3,201 |
| Net loans and leases to deposits | 77.5311% | 3,026 |
| Net loans and leases to core deposits | 79.4544% | 3,357 |
| Total domestic deposits to total assets | 82.7742% | 4,157 |
| Equity capital to assets | 9.6197% | 4,564 |
| Core capital (leverage) ratio | 9.3258% | 4,505 |
| Tier 1 risk-based capital ratio | 12.7995% | 4,859 |
| Total risk-based capital ratio | 13.9274% | 4,847 |
| Memoranda: | ||
| Average total assets | $329,925,400 | 1,970 |
| Average earning assets | $320,257,800 | 1,869 |
| Average equity | $30,510,800 | 2,245 |
| Average total loans | $210,791,000 | 1,965 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4403% | 5,521 |
| Cost of funding earning assets | 0.4384% | 3,381 |
| Net interest margin | 3.0019% | 5,501 |
| Noninterest income to average assets | 0.2297% | 5,555 |
| Noninterest expense to average assets | 1.7451% | 6,162 |
| Loan and lease loss provision to assets | 0.1971% | 1,218 |
| Net operating income to assets | 1.1411% | 1,893 |
| Return on assets (ROA) | 1.2118% | 1,704 |
| Pretax return on assets | 1.2758% | 2,476 |
| Return on Equity (ROE) | 13.2337% | 1,161 |
| Retained earnings to average equity (ytd only) | 3.6763% | 4,025 |
| Net charge-offs to loans | 0.8035% | 414 |
| Credit loss provision to net charge-offs | 38.5523% | 3,310 |
| Earnings coverage of net charge-offs (x) | 2.7356% | 3,834 |
| Efficiency ratio | 55.5143% | 5,701 |
| Assets per employee ($millions) | 8.8079% | 366 |
| Cash dividends to net income (ytd only)* | 72.2204% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 1,991 |
| Loan loss allowance to noncurrent loans | 81.6055% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 1,826 |
| Noncurrent loans to loans | 2.0759% | 1,512 |
| Net loans and leases to total assets | 63.3558% | 3,289 |
| Net loans and leases to deposits | 75.6017% | 3,230 |
| Net loans and leases to core deposits | 77.5188% | 3,583 |
| Total domestic deposits to total assets | 83.8020% | 3,836 |
| Equity capital to assets | 9.5313% | 4,756 |
| Core capital (leverage) ratio | 9.2083% | 4,775 |
| Tier 1 risk-based capital ratio | 13.7874% | 4,365 |
| Total risk-based capital ratio | 15.0417% | 4,290 |
| Memoranda: | ||
| Average total assets | $331,504,750 | 1,967 |
| Average earning assets | $321,788,250 | 1,873 |
| Average equity | $30,356,000 | 2,264 |
| Average total loans | $210,894,750 | 1,978 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 5,636 |
| Cost of funding earning assets | 0.4411% | 3,428 |
| Net interest margin | 2.9496% | 5,636 |
| Noninterest income to average assets | 0.1992% | 5,765 |
| Noninterest expense to average assets | 1.7428% | 6,220 |
| Loan and lease loss provision to assets | 0.1740% | 1,402 |
| Net operating income to assets | 1.0896% | 1,976 |
| Return on assets (ROA) | 1.1950% | 1,672 |
| Pretax return on assets | 1.2580% | 2,421 |
| Return on Equity (ROE) | 13.2268% | 1,118 |
| Retained earnings to average equity (ytd only) | 3.5856% | 3,909 |
| Net charge-offs to loans | 0.0369% | 3,482 |
| Credit loss provision to net charge-offs | 743.5897% | 435 |
| Earnings coverage of net charge-offs (x) | 56.4615% | 841 |
| Efficiency ratio | 56.8827% | 5,668 |
| Assets per employee ($millions) | 8.8798% | 345 |
| Cash dividends to net income (ytd only)* | 72.8916% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0958% | 1,179 |
| Loan loss allowance to noncurrent loans | 118.5434% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4587% | 2,232 |
| Noncurrent loans to loans | 1.7679% | 1,946 |
| Net loans and leases to total assets | 63.5450% | 3,150 |
| Net loans and leases to deposits | 78.7632% | 2,702 |
| Net loans and leases to core deposits | 81.4190% | 3,046 |
| Total domestic deposits to total assets | 80.6785% | 5,076 |
| Equity capital to assets | 9.1129% | 5,190 |
| Core capital (leverage) ratio | 8.9709% | 5,060 |
| Tier 1 risk-based capital ratio | 13.3175% | 4,708 |
| Total risk-based capital ratio | 14.5759% | 4,639 |
| Memoranda: | ||
| Average total assets | $333,375,330 | 1,961 |
| Average earning assets | $323,772,330 | 1,856 |
| Average equity | $30,120,670 | 2,271 |
| Average total loans | $211,183,000 | 1,974 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 5,806 |
| Cost of funding earning assets | 0.4431% | 3,502 |
| Net interest margin | 2.8763% | 5,799 |
| Noninterest income to average assets | 0.0205% | 6,567 |
| Noninterest expense to average assets | 1.7420% | 6,290 |
| Loan and lease loss provision to assets | 0.0604% | 2,896 |
| Net operating income to assets | 0.9576% | 2,369 |
| Return on assets (ROA) | 1.1698% | 1,637 |
| Pretax return on assets | 1.2313% | 2,342 |
| Return on Equity (ROE) | 13.0041% | 1,160 |
| Retained earnings to average equity (ytd only) | 3.2477% | 4,170 |
| Net charge-offs to loans | -0.1061% | 6,140 |
| Credit loss provision to net charge-offs | -90.9091% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9845% | 5,123 |
| Assets per employee ($millions) | 9.0793% | 328 |
| Cash dividends to net income (ytd only)* | 75.0258% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0983% | 1,324 |
| Loan loss allowance to noncurrent loans | 221.6459% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1222% | 3,010 |
| Noncurrent loans to loans | 0.9467% | 3,520 |
| Net loans and leases to total assets | 61.7228% | 3,281 |
| Net loans and leases to deposits | 72.8214% | 3,232 |
| Net loans and leases to core deposits | 75.3146% | 3,487 |
| Total domestic deposits to total assets | 84.7592% | 3,967 |
| Equity capital to assets | 8.9544% | 5,161 |
| Core capital (leverage) ratio | 9.2679% | 4,620 |
| Tier 1 risk-based capital ratio | 13.5293% | 4,665 |
| Total risk-based capital ratio | 14.7643% | 4,610 |
| Memoranda: | ||
| Average total assets | $331,347,000 | 1,977 |
| Average earning assets | $321,385,000 | 1,877 |
| Average equity | $29,806,000 | 2,281 |
| Average total loans | $207,269,000 | 1,994 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5021% | 5,639 |
| Cost of funding earning assets | 0.4652% | 3,965 |
| Net interest margin | 3.0369% | 5,490 |
| Noninterest income to average assets | 0.1877% | 5,964 |
| Noninterest expense to average assets | 1.7014% | 6,443 |
| Loan and lease loss provision to assets | 0.0682% | 3,766 |
| Net operating income to assets | 1.2991% | 1,256 |
| Return on assets (ROA) | 1.2991% | 1,305 |
| Pretax return on assets | 1.3676% | 1,907 |
| Return on Equity (ROE) | 14.2935% | 890 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,452 |
| Net charge-offs to loans | 0.4004% | 1,683 |
| Credit loss provision to net charge-offs | 28.6260% | 4,279 |
| Earnings coverage of net charge-offs (x) | 6.0242% | 3,149 |
| Efficiency ratio | 54.2335% | 6,116 |
| Assets per employee ($millions) | 8.8314% | 351 |
| Cash dividends to net income (ytd only)* | 63.3053% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1401% | 1,266 |
| Loan loss allowance to noncurrent loans | 163.8595% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 3,007 |
| Noncurrent loans to loans | 1.3061% | 2,957 |
| Net loans and leases to total assets | 60.7195% | 3,587 |
| Net loans and leases to deposits | 70.9212% | 3,662 |
| Net loans and leases to core deposits | 72.9523% | 3,955 |
| Total domestic deposits to total assets | 85.6154% | 3,450 |
| Equity capital to assets | 9.0375% | 4,990 |
| Core capital (leverage) ratio | 9.1069% | 4,846 |
| Tier 1 risk-based capital ratio | 13.9888% | 4,306 |
| Total risk-based capital ratio | 15.2440% | 4,240 |
| Memoranda: | ||
| Average total assets | $329,779,400 | 1,956 |
| Average earning assets | $320,292,600 | 1,858 |
| Average equity | $29,971,600 | 2,251 |
| Average total loans | $196,305,600 | 2,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5003% | 5,685 |
| Cost of funding earning assets | 0.4626% | 4,137 |
| Net interest margin | 3.0377% | 5,494 |
| Noninterest income to average assets | 0.1694% | 6,173 |
| Noninterest expense to average assets | 1.7107% | 6,460 |
| Loan and lease loss provision to assets | 0.0605% | 3,838 |
| Net operating income to assets | 1.2835% | 1,392 |
| Return on assets (ROA) | 1.2835% | 1,460 |
| Pretax return on assets | 1.3513% | 2,120 |
| Return on Equity (ROE) | 14.1034% | 974 |
| Retained earnings to average equity (ytd only) | 5.2965% | 2,878 |
| Net charge-offs to loans | 0.4280% | 1,495 |
| Credit loss provision to net charge-offs | 24.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 3,150 |
| Efficiency ratio | 54.7862% | 6,036 |
| Assets per employee ($millions) | 8.6403% | 364 |
| Cash dividends to net income (ytd only)* | 62.4451% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2124% | 1,307 |
| Loan loss allowance to noncurrent loans | 176.3651% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 3,154 |
| Noncurrent loans to loans | 1.2545% | 3,305 |
| Net loans and leases to total assets | 59.5681% | 3,764 |
| Net loans and leases to deposits | 71.3293% | 3,596 |
| Net loans and leases to core deposits | 73.9064% | 3,857 |
| Total domestic deposits to total assets | 83.5114% | 4,370 |
| Equity capital to assets | 9.0208% | 5,160 |
| Core capital (leverage) ratio | 8.9775% | 5,156 |
| Tier 1 risk-based capital ratio | 14.0245% | 4,414 |
| Total risk-based capital ratio | 15.2853% | 4,357 |
| Memoranda: | ||
| Average total assets | $330,534,250 | 1,959 |
| Average earning assets | $321,336,250 | 1,860 |
| Average equity | $30,081,750 | 2,267 |
| Average total loans | $194,695,500 | 2,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4835% | 5,728 |
| Cost of funding earning assets | 0.4671% | 4,238 |
| Net interest margin | 3.0164% | 5,530 |
| Noninterest income to average assets | 0.1220% | 6,446 |
| Noninterest expense to average assets | 1.7345% | 6,462 |
| Loan and lease loss provision to assets | 0.0453% | 4,062 |
| Net operating income to assets | 1.2099% | 1,572 |
| Return on assets (ROA) | 1.2099% | 1,673 |
| Pretax return on assets | 1.2739% | 2,391 |
| Return on Equity (ROE) | 13.2556% | 1,180 |
| Retained earnings to average equity (ytd only) | 4.9940% | 3,060 |
| Net charge-offs to loans | 0.6438% | 1,022 |
| Credit loss provision to net charge-offs | 12.0773% | 3,870 |
| Earnings coverage of net charge-offs (x) | 3.5185% | 3,371 |
| Efficiency ratio | 56.8011% | 5,872 |
| Assets per employee ($millions) | 8.5825% | 361 |
| Cash dividends to net income (ytd only)* | 62.3253% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2213% | 1,380 |
| Loan loss allowance to noncurrent loans | 176.1327% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 1.2924% | 3,185 |
| Noncurrent loans to loans | 1.2612% | 3,444 |
| Net loans and leases to total assets | 58.7658% | 3,859 |
| Net loans and leases to deposits | 72.7364% | 3,349 |
| Net loans and leases to core deposits | 75.3072% | 3,637 |
| Total domestic deposits to total assets | 80.7929% | 5,402 |
| Equity capital to assets | 8.8184% | 5,424 |
| Core capital (leverage) ratio | 8.7208% | 5,387 |
| Tier 1 risk-based capital ratio | 14.0159% | 4,418 |
| Total risk-based capital ratio | 15.2761% | 4,368 |
| Memoranda: | ||
| Average total assets | $331,269,000 | 1,960 |
| Average earning assets | $321,978,000 | 1,858 |
| Average equity | $30,236,330 | 2,260 |
| Average total loans | $192,925,670 | 2,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4494% | 5,834 |
| Cost of funding earning assets | 0.4656% | 4,418 |
| Net interest margin | 2.9838% | 5,615 |
| Noninterest income to average assets | 0.1354% | 6,419 |
| Noninterest expense to average assets | 1.6643% | 6,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2976% | 1,281 |
| Return on assets (ROA) | 1.2976% | 1,382 |
| Pretax return on assets | 1.3659% | 1,989 |
| Return on Equity (ROE) | 13.9857% | 966 |
| Retained earnings to average equity (ytd only) | 5.9145% | 2,726 |
| Net charge-offs to loans | 0.0042% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 59 |
| Efficiency ratio | 54.9229% | 6,164 |
| Assets per employee ($millions) | 8.6632% | 369 |
| Cash dividends to net income (ytd only)* | 57.7101% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5048% | 1,111 |
| Loan loss allowance to noncurrent loans | 295.7729% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 3,760 |
| Noncurrent loans to loans | 0.8469% | 4,425 |
| Net loans and leases to total assets | 56.4259% | 4,021 |
| Net loans and leases to deposits | 67.6835% | 3,806 |
| Net loans and leases to core deposits | 69.3513% | 4,150 |
| Total domestic deposits to total assets | 83.3674% | 4,727 |
| Equity capital to assets | 9.1927% | 5,263 |
| Core capital (leverage) ratio | 8.7651% | 5,242 |
| Tier 1 risk-based capital ratio | 13.9816% | 4,520 |
| Total risk-based capital ratio | 15.2460% | 4,467 |
| Memoranda: | ||
| Average total assets | $333,836,000 | 1,966 |
| Average earning assets | $323,884,500 | 1,865 |
| Average equity | $30,974,500 | 2,241 |
| Average total loans | $191,383,500 | 2,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 5,953 |
| Cost of funding earning assets | 0.5837% | 4,504 |
| Net interest margin | 3.1641% | 5,657 |
| Noninterest income to average assets | 0.2449% | 5,702 |
| Noninterest expense to average assets | 1.7521% | 6,675 |
| Loan and lease loss provision to assets | 0.0633% | 4,972 |
| Net operating income to assets | 1.4357% | 1,034 |
| Return on assets (ROA) | 1.4803% | 1,059 |
| Pretax return on assets | 1.5461% | 1,533 |
| Return on Equity (ROE) | 15.8288% | 682 |
| Retained earnings to average equity (ytd only) | 8.9310% | 851 |
| Net charge-offs to loans | 0.1668% | 4,047 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 16.4667% | 1,576 |
| Efficiency ratio | 52.8536% | 6,385 |
| Assets per employee ($millions) | 8.4566% | 408 |
| Cash dividends to net income (ytd only)* | 43.5777% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6172% | 1,008 |
| Loan loss allowance to noncurrent loans | 382.8125% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 3,956 |
| Noncurrent loans to loans | 0.6837% | 4,831 |
| Net loans and leases to total assets | 55.2825% | 4,408 |
| Net loans and leases to deposits | 66.1019% | 4,269 |
| Net loans and leases to core deposits | 68.0167% | 4,529 |
| Total domestic deposits to total assets | 83.6322% | 4,483 |
| Equity capital to assets | 9.3661% | 5,043 |
| Core capital (leverage) ratio | 8.6549% | 5,392 |
| Tier 1 risk-based capital ratio | 14.2561% | 4,198 |
| Total risk-based capital ratio | 15.5161% | 4,148 |
| Memoranda: | ||
| Average total assets | $316,077,400 | 2,030 |
| Average earning assets | $306,688,400 | 1,930 |
| Average equity | $29,560,000 | 2,275 |
| Average total loans | $179,900,200 | 2,204 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 6,071 |
| Cost of funding earning assets | 0.6046% | 4,597 |
| Net interest margin | 3.1744% | 5,758 |
| Noninterest income to average assets | 0.2870% | 5,485 |
| Noninterest expense to average assets | 1.7655% | 6,719 |
| Loan and lease loss provision to assets | 0.0853% | 4,541 |
| Net operating income to assets | 1.4454% | 1,134 |
| Return on assets (ROA) | 1.5050% | 1,125 |
| Pretax return on assets | 1.5843% | 1,628 |
| Return on Equity (ROE) | 16.0986% | 734 |
| Retained earnings to average equity (ytd only) | 8.8408% | 1,290 |
| Net charge-offs to loans | 0.1146% | 4,236 |
| Credit loss provision to net charge-offs | 130.7190% | 2,205 |
| Earnings coverage of net charge-offs (x) | 24.6280% | 1,271 |
| Efficiency ratio | 52.3520% | 6,424 |
| Assets per employee ($millions) | 8.1456% | 455 |
| Cash dividends to net income (ytd only)* | 45.0835% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7077% | 973 |
| Loan loss allowance to noncurrent loans | 156.1089% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 2,986 |
| Noncurrent loans to loans | 1.7345% | 3,187 |
| Net loans and leases to total assets | 57.0845% | 4,285 |
| Net loans and leases to deposits | 68.6775% | 4,072 |
| Net loans and leases to core deposits | 70.4211% | 4,443 |
| Total domestic deposits to total assets | 83.1197% | 4,599 |
| Equity capital to assets | 9.6563% | 4,979 |
| Core capital (leverage) ratio | 8.8269% | 5,301 |
| Tier 1 risk-based capital ratio | 14.0537% | 4,487 |
| Total risk-based capital ratio | 15.3204% | 4,436 |
| Memoranda: | ||
| Average total assets | $312,645,250 | 2,074 |
| Average earning assets | $303,883,250 | 1,966 |
| Average equity | $29,227,500 | 2,320 |
| Average total loans | $178,069,000 | 2,261 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 6,201 |
| Cost of funding earning assets | 0.6279% | 4,652 |
| Net interest margin | 3.1469% | 5,872 |
| Noninterest income to average assets | 0.3782% | 4,811 |
| Noninterest expense to average assets | 1.8047% | 6,743 |
| Loan and lease loss provision to assets | 0.1286% | 3,915 |
| Net operating income to assets | 1.4312% | 1,124 |
| Return on assets (ROA) | 1.5211% | 1,081 |
| Pretax return on assets | 1.6015% | 1,543 |
| Return on Equity (ROE) | 16.4552% | 701 |
| Retained earnings to average equity (ytd only) | 9.0312% | 1,263 |
| Net charge-offs to loans | 0.1015% | 4,144 |
| Credit loss provision to net charge-offs | 224.7191% | 1,267 |
| Earnings coverage of net charge-offs (x) | 28.5730% | 1,106 |
| Efficiency ratio | 52.4584% | 6,462 |
| Assets per employee ($millions) | 7.9876% | 474 |
| Cash dividends to net income (ytd only)* | 45.1163% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8685% | 888 |
| Loan loss allowance to noncurrent loans | 143.6885% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 2,841 |
| Noncurrent loans to loans | 1.9964% | 2,950 |
| Net loans and leases to total assets | 55.5547% | 4,534 |
| Net loans and leases to deposits | 66.4105% | 4,456 |
| Net loans and leases to core deposits | 69.6092% | 4,577 |
| Total domestic deposits to total assets | 83.6536% | 4,465 |
| Equity capital to assets | 9.4916% | 5,078 |
| Core capital (leverage) ratio | 8.6007% | 5,518 |
| Tier 1 risk-based capital ratio | 14.2875% | 4,246 |
| Total risk-based capital ratio | 15.5431% | 4,207 |
| Memoranda: | ||
| Average total assets | $310,967,670 | 2,085 |
| Average earning assets | $302,586,670 | 1,965 |
| Average equity | $28,744,670 | 2,344 |
| Average total loans | $175,294,670 | 2,290 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 6,404 |
| Cost of funding earning assets | 0.6490% | 4,745 |
| Net interest margin | 3.0719% | 6,124 |
| Noninterest income to average assets | 0.3643% | 4,961 |
| Noninterest expense to average assets | 1.8037% | 6,787 |
| Loan and lease loss provision to assets | 0.1287% | 3,733 |
| Net operating income to assets | 1.3523% | 1,314 |
| Return on assets (ROA) | 1.5321% | 1,090 |
| Pretax return on assets | 1.6132% | 1,530 |
| Return on Equity (ROE) | 16.8002% | 701 |
| Retained earnings to average equity (ytd only) | 9.1342% | 1,539 |
| Net charge-offs to loans | 0.2071% | 2,889 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,541 |
| Efficiency ratio | 53.7399% | 6,375 |
| Assets per employee ($millions) | 8.2534% | 431 |
| Cash dividends to net income (ytd only)* | 45.6303% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8473% | 962 |
| Loan loss allowance to noncurrent loans | 141.6455% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 2.0390% | 2,841 |
| Noncurrent loans to loans | 2.0102% | 3,151 |
| Net loans and leases to total assets | 54.5063% | 4,636 |
| Net loans and leases to deposits | 64.8185% | 4,507 |
| Net loans and leases to core deposits | 68.0326% | 4,673 |
| Total domestic deposits to total assets | 84.0907% | 4,440 |
| Equity capital to assets | 9.1019% | 5,356 |
| Core capital (leverage) ratio | 8.6487% | 5,384 |
| Tier 1 risk-based capital ratio | 14.1427% | 4,362 |
| Total risk-based capital ratio | 15.4095% | 4,320 |
| Memoranda: | ||
| Average total assets | $310,692,500 | 2,096 |
| Average earning assets | $302,614,000 | 1,969 |
| Average equity | $28,333,000 | 2,372 |
| Average total loans | $173,855,000 | 2,323 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 5,444 |
| Cost of funding earning assets | 0.8525% | 4,458 |
| Net interest margin | 3.5433% | 4,969 |
| Noninterest income to average assets | 0.3247% | 5,219 |
| Noninterest expense to average assets | 1.8986% | 6,838 |
| Loan and lease loss provision to assets | 0.4575% | 2,309 |
| Net operating income to assets | 1.3456% | 1,150 |
| Return on assets (ROA) | 1.3513% | 1,230 |
| Pretax return on assets | 1.4230% | 1,703 |
| Return on Equity (ROE) | 15.3889% | 690 |
| Retained earnings to average equity (ytd only) | 9.3990% | 698 |
| Net charge-offs to loans | 0.6754% | 2,466 |
| Credit loss provision to net charge-offs | 111.7359% | 2,972 |
| Earnings coverage of net charge-offs (x) | 4.5778% | 3,060 |
| Efficiency ratio | 50.3184% | 6,812 |
| Assets per employee ($millions) | 7.8912% | 491 |
| Cash dividends to net income (ytd only)* | 38.9232% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9112% | 881 |
| Loan loss allowance to noncurrent loans | 97.2195% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 2.3723% | 2,552 |
| Noncurrent loans to loans | 2.9944% | 2,171 |
| Net loans and leases to total assets | 54.1833% | 5,010 |
| Net loans and leases to deposits | 64.2901% | 4,972 |
| Net loans and leases to core deposits | 68.8846% | 4,920 |
| Total domestic deposits to total assets | 84.2795% | 4,200 |
| Equity capital to assets | 9.1371% | 5,368 |
| Core capital (leverage) ratio | 8.3192% | 5,830 |
| Tier 1 risk-based capital ratio | 14.1203% | 4,239 |
| Total risk-based capital ratio | 15.3889% | 4,179 |
| Memoranda: | ||
| Average total assets | $299,643,200 | 2,136 |
| Average earning assets | $291,624,200 | 2,009 |
| Average equity | $26,311,200 | 2,453 |
| Average total loans | $181,666,400 | 2,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 5,801 |
| Cost of funding earning assets | 0.8958% | 4,429 |
| Net interest margin | 3.4472% | 5,403 |
| Noninterest income to average assets | 0.3360% | 5,170 |
| Noninterest expense to average assets | 1.7857% | 7,013 |
| Loan and lease loss provision to assets | 0.4462% | 2,239 |
| Net operating income to assets | 1.3861% | 1,189 |
| Return on assets (ROA) | 1.3937% | 1,248 |
| Pretax return on assets | 1.4672% | 1,744 |
| Return on Equity (ROE) | 16.0405% | 683 |
| Retained earnings to average equity (ytd only) | 11.2814% | 583 |
| Net charge-offs to loans | 0.3693% | 3,245 |
| Credit loss provision to net charge-offs | 195.2941% | 1,498 |
| Earnings coverage of net charge-offs (x) | 8.3392% | 2,194 |
| Efficiency ratio | 48.3797% | 6,936 |
| Assets per employee ($millions) | 8.3935% | 412 |
| Cash dividends to net income (ytd only)* | 29.6690% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0764% | 816 |
| Loan loss allowance to noncurrent loans | 54.7336% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.8157% | 1,622 |
| Noncurrent loans to loans | 5.6207% | 1,042 |
| Net loans and leases to total assets | 54.1934% | 5,137 |
| Net loans and leases to deposits | 63.6692% | 5,211 |
| Net loans and leases to core deposits | 69.7243% | 4,986 |
| Total domestic deposits to total assets | 85.1171% | 3,716 |
| Equity capital to assets | 9.0415% | 5,702 |
| Core capital (leverage) ratio | 8.4918% | 5,721 |
| Tier 1 risk-based capital ratio | 13.8782% | 4,431 |
| Total risk-based capital ratio | 15.1491% | 4,381 |
| Memoranda: | ||
| Average total assets | $297,614,750 | 2,153 |
| Average earning assets | $289,655,000 | 2,029 |
| Average equity | $25,859,000 | 2,497 |
| Average total loans | $184,144,750 | 2,207 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 5,554 |
| Cost of funding earning assets | 0.9468% | 4,342 |
| Net interest margin | 3.4944% | 5,187 |
| Noninterest income to average assets | 0.3382% | 5,179 |
| Noninterest expense to average assets | 1.7982% | 7,087 |
| Loan and lease loss provision to assets | 0.5428% | 1,792 |
| Net operating income to assets | 1.3269% | 1,255 |
| Return on assets (ROA) | 1.3386% | 1,295 |
| Pretax return on assets | 1.4095% | 1,772 |
| Return on Equity (ROE) | 15.6296% | 706 |
| Retained earnings to average equity (ytd only) | 12.0307% | 514 |
| Net charge-offs to loans | 0.3475% | 3,160 |
| Credit loss provision to net charge-offs | 244.1718% | 1,244 |
| Earnings coverage of net charge-offs (x) | 8.7270% | 2,012 |
| Efficiency ratio | 48.1029% | 7,057 |
| Assets per employee ($millions) | 7.6380% | 536 |
| Cash dividends to net income (ytd only)* | 23.0260% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9246% | 954 |
| Loan loss allowance to noncurrent loans | 46.0448% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 4.7053% | 1,326 |
| Noncurrent loans to loans | 6.3516% | 896 |
| Net loans and leases to total assets | 60.9092% | 4,107 |
| Net loans and leases to deposits | 71.8409% | 4,139 |
| Net loans and leases to core deposits | 79.2031% | 3,901 |
| Total domestic deposits to total assets | 84.7835% | 3,978 |
| Equity capital to assets | 9.2708% | 5,181 |
| Core capital (leverage) ratio | 8.3049% | 5,862 |
| Tier 1 risk-based capital ratio | 13.0786% | 4,854 |
| Total risk-based capital ratio | 14.3486% | 4,815 |
| Memoranda: | ||
| Average total assets | $293,300,330 | 2,190 |
| Average earning assets | $285,367,670 | 2,072 |
| Average equity | $25,119,000 | 2,546 |
| Average total loans | $187,645,000 | 2,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2939% | 6,034 |
| Cost of funding earning assets | 0.9720% | 4,405 |
| Net interest margin | 3.3219% | 5,701 |
| Noninterest income to average assets | 0.3256% | 5,312 |
| Noninterest expense to average assets | 1.7244% | 7,209 |
| Loan and lease loss provision to assets | 0.9985% | 770 |
| Net operating income to assets | 0.7923% | 3,069 |
| Return on assets (ROA) | 0.7923% | 3,139 |
| Pretax return on assets | 0.8344% | 3,769 |
| Return on Equity (ROE) | 9.6431% | 2,231 |
| Retained earnings to average equity (ytd only) | 2.1796% | 4,837 |
| Net charge-offs to loans | 0.0042% | 5,069 |
| Credit loss provision to net charge-offs | 36,800.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 675.5000% | 28 |
| Efficiency ratio | 48.4744% | 7,097 |
| Assets per employee ($millions) | 8.0641% | 461 |
| Cash dividends to net income (ytd only)* | 77.3973% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0368% | 887 |
| Loan loss allowance to noncurrent loans | 44.3616% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 4.8322% | 1,319 |
| Noncurrent loans to loans | 6.8455% | 830 |
| Net loans and leases to total assets | 59.8200% | 4,305 |
| Net loans and leases to deposits | 69.4766% | 4,435 |
| Net loans and leases to core deposits | 78.8035% | 3,922 |
| Total domestic deposits to total assets | 86.1009% | 3,463 |
| Equity capital to assets | 8.1683% | 6,321 |
| Core capital (leverage) ratio | 7.9393% | 6,318 |
| Tier 1 risk-based capital ratio | 12.2561% | 5,471 |
| Total risk-based capital ratio | 13.5268% | 5,454 |
| Memoranda: | ||
| Average total assets | $294,828,000 | 2,193 |
| Average earning assets | $286,822,500 | 2,071 |
| Average equity | $24,224,500 | 2,624 |
| Average total loans | $190,411,500 | 2,199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 5,186 |
| Cost of funding earning assets | 1.2225% | 4,408 |
| Net interest margin | 3.6404% | 4,618 |
| Noninterest income to average assets | 0.3254% | 5,458 |
| Noninterest expense to average assets | 1.8142% | 7,250 |
| Loan and lease loss provision to assets | 0.9140% | 1,792 |
| Net operating income to assets | 1.0953% | 1,714 |
| Return on assets (ROA) | 1.0953% | 1,800 |
| Pretax return on assets | 1.1348% | 2,444 |
| Return on Equity (ROE) | 13.6180% | 960 |
| Retained earnings to average equity (ytd only) | 5.9814% | 1,830 |
| Net charge-offs to loans | 1.2739% | 1,764 |
| Credit loss provision to net charge-offs | 101.5258% | 4,467 |
| Earnings coverage of net charge-offs (x) | 2.2758% | 4,019 |
| Efficiency ratio | 46.9639% | 7,316 |
| Assets per employee ($millions) | 7.6654% | 552 |
| Cash dividends to net income (ytd only)* | 56.0772% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4681% | 1,444 |
| Loan loss allowance to noncurrent loans | 58.8677% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.4554% | 2,018 |
| Noncurrent loans to loans | 4.1927% | 1,725 |
| Net loans and leases to total assets | 65.8776% | 3,492 |
| Net loans and leases to deposits | 77.0910% | 3,664 |
| Net loans and leases to core deposits | 86.9568% | 3,191 |
| Total domestic deposits to total assets | 85.4544% | 3,627 |
| Equity capital to assets | 8.2658% | 6,186 |
| Core capital (leverage) ratio | 7.9078% | 6,307 |
| Tier 1 risk-based capital ratio | 11.4875% | 5,922 |
| Total risk-based capital ratio | 12.7519% | 5,912 |
| Memoranda: | ||
| Average total assets | $283,930,800 | 2,256 |
| Average earning assets | $275,901,600 | 2,146 |
| Average equity | $22,837,400 | 2,787 |
| Average total loans | $200,648,600 | 2,146 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 5,113 |
| Cost of funding earning assets | 1.2647% | 4,463 |
| Net interest margin | 3.6695% | 4,542 |
| Noninterest income to average assets | 0.3375% | 5,460 |
| Noninterest expense to average assets | 1.8514% | 7,265 |
| Loan and lease loss provision to assets | 0.9666% | 1,547 |
| Net operating income to assets | 1.0308% | 2,137 |
| Return on assets (ROA) | 1.0308% | 2,239 |
| Pretax return on assets | 1.0852% | 2,873 |
| Return on Equity (ROE) | 12.9084% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.1132% | 4,257 |
| Net charge-offs to loans | 1.0706% | 1,895 |
| Credit loss provision to net charge-offs | 126.3125% | 3,231 |
| Earnings coverage of net charge-offs (x) | 2.6813% | 3,808 |
| Efficiency ratio | 47.4328% | 7,304 |
| Assets per employee ($millions) | 7.3192% | 671 |
| Cash dividends to net income (ytd only)* | 75.8825% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6282% | 1,170 |
| Loan loss allowance to noncurrent loans | 49.9191% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 3.9720% | 1,766 |
| Noncurrent loans to loans | 5.2649% | 1,288 |
| Net loans and leases to total assets | 68.0494% | 3,201 |
| Net loans and leases to deposits | 79.8651% | 3,477 |
| Net loans and leases to core deposits | 93.2656% | 2,623 |
| Total domestic deposits to total assets | 85.2055% | 3,513 |
| Equity capital to assets | 8.2011% | 6,613 |
| Core capital (leverage) ratio | 7.6194% | 6,748 |
| Tier 1 risk-based capital ratio | 10.5556% | 6,738 |
| Total risk-based capital ratio | 11.8227% | 6,710 |
| Memoranda: | ||
| Average total assets | $282,092,500 | 2,304 |
| Average earning assets | $274,105,500 | 2,185 |
| Average equity | $22,527,500 | 2,862 |
| Average total loans | $201,624,000 | 2,175 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 4,945 |
| Cost of funding earning assets | 1.3106% | 4,475 |
| Net interest margin | 3.6885% | 4,415 |
| Noninterest income to average assets | 0.2748% | 5,949 |
| Noninterest expense to average assets | 1.8258% | 7,361 |
| Loan and lease loss provision to assets | 1.0798% | 1,333 |
| Net operating income to assets | 0.9033% | 2,545 |
| Return on assets (ROA) | 0.9033% | 2,654 |
| Pretax return on assets | 0.9510% | 3,308 |
| Return on Equity (ROE) | 11.4153% | 1,620 |
| Retained earnings to average equity (ytd only) | 0.1619% | 5,681 |
| Net charge-offs to loans | 1.3285% | 1,428 |
| Credit loss provision to net charge-offs | 112.8720% | 3,602 |
| Earnings coverage of net charge-offs (x) | 2.1228% | 3,962 |
| Efficiency ratio | 47.3422% | 7,380 |
| Assets per employee ($millions) | 7.0912% | 737 |
| Cash dividends to net income (ytd only)* | 98.5816% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4943% | 1,309 |
| Loan loss allowance to noncurrent loans | 50.7888% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 3.9008% | 1,773 |
| Noncurrent loans to loans | 4.9111% | 1,417 |
| Net loans and leases to total assets | 70.5340% | 2,786 |
| Net loans and leases to deposits | 85.3494% | 2,625 |
| Net loans and leases to core deposits | 89.4962% | 3,342 |
| Total domestic deposits to total assets | 82.6415% | 4,722 |
| Equity capital to assets | 8.1973% | 6,548 |
| Core capital (leverage) ratio | 7.3438% | 6,965 |
| Tier 1 risk-based capital ratio | 10.2869% | 6,847 |
| Total risk-based capital ratio | 11.5487% | 6,819 |
| Memoranda: | ||
| Average total assets | $280,973,330 | 2,324 |
| Average earning assets | $272,845,670 | 2,212 |
| Average equity | $22,233,330 | 2,893 |
| Average total loans | $202,335,330 | 2,189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 5,052 |
| Cost of funding earning assets | 1.3420% | 4,548 |
| Net interest margin | 3.6496% | 4,492 |
| Noninterest income to average assets | 0.2500% | 6,151 |
| Noninterest expense to average assets | 1.7755% | 7,492 |
| Loan and lease loss provision to assets | 1.6244% | 711 |
| Net operating income to assets | 0.3602% | 5,018 |
| Return on assets (ROA) | 0.3602% | 5,146 |
| Pretax return on assets | 0.3955% | 5,306 |
| Return on Equity (ROE) | 4.6332% | 4,570 |
| Retained earnings to average equity (ytd only) | -5.6870% | 6,635 |
| Net charge-offs to loans | 1.9029% | 908 |
| Credit loss provision to net charge-offs | 118.8017% | 2,938 |
| Earnings coverage of net charge-offs (x) | 1.4773% | 3,849 |
| Efficiency ratio | 46.7808% | 7,508 |
| Assets per employee ($millions) | 7.2813% | 723 |
| Cash dividends to net income (ytd only)* | 222.7451% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4622% | 1,343 |
| Loan loss allowance to noncurrent loans | 53.9325% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 3.5180% | 2,001 |
| Noncurrent loans to loans | 4.5653% | 1,622 |
| Net loans and leases to total assets | 69.7374% | 3,000 |
| Net loans and leases to deposits | 83.4748% | 3,028 |
| Net loans and leases to core deposits | 94.9343% | 2,711 |
| Total domestic deposits to total assets | 83.5430% | 4,367 |
| Equity capital to assets | 7.7180% | 6,915 |
| Core capital (leverage) ratio | 7.3148% | 7,014 |
| Tier 1 risk-based capital ratio | 10.0841% | 6,972 |
| Total risk-based capital ratio | 11.3491% | 6,959 |
| Memoranda: | ||
| Average total assets | $283,182,000 | 2,365 |
| Average earning assets | $275,102,000 | 2,242 |
| Average equity | $22,015,000 | 2,944 |
| Average total loans | $203,475,000 | 2,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2826% | 5,274 |
| Cost of funding earning assets | 1.7137% | 4,437 |
| Net interest margin | 3.5689% | 4,657 |
| Noninterest income to average assets | 0.2747% | 6,143 |
| Noninterest expense to average assets | 1.8733% | 7,536 |
| Loan and lease loss provision to assets | 0.6840% | 3,089 |
| Net operating income to assets | 1.1200% | 1,467 |
| Return on assets (ROA) | 1.1200% | 1,498 |
| Pretax return on assets | 1.1733% | 2,024 |
| Return on Equity (ROE) | 14.8380% | 690 |
| Retained earnings to average equity (ytd only) | 6.1103% | 1,315 |
| Net charge-offs to loans | 0.3756% | 4,328 |
| Credit loss provision to net charge-offs | 249.0298% | 1,425 |
| Earnings coverage of net charge-offs (x) | 6.7620% | 2,292 |
| Efficiency ratio | 50.2143% | 7,526 |
| Assets per employee ($millions) | 7.2408% | 730 |
| Cash dividends to net income (ytd only)* | 58.8198% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3622% | 1,398 |
| Loan loss allowance to noncurrent loans | 47.8019% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 3.8237% | 1,740 |
| Noncurrent loans to loans | 4.9417% | 1,375 |
| Net loans and leases to total assets | 70.5046% | 3,129 |
| Net loans and leases to deposits | 87.6838% | 2,611 |
| Net loans and leases to core deposits | 104.1874% | 3,554 |
| Total domestic deposits to total assets | 80.4078% | 5,548 |
| Equity capital to assets | 7.8306% | 6,740 |
| Core capital (leverage) ratio | 7.3552% | 6,929 |
| Tier 1 risk-based capital ratio | 10.1253% | 6,769 |
| Total risk-based capital ratio | 11.3890% | 6,718 |
| Memoranda: | ||
| Average total assets | $281,431,000 | 2,337 |
| Average earning assets | $272,517,600 | 2,220 |
| Average equity | $21,242,800 | 3,046 |
| Average total loans | $205,808,800 | 2,244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2585% | 5,641 |
| Cost of funding earning assets | 1.7887% | 4,428 |
| Net interest margin | 3.4697% | 4,992 |
| Noninterest income to average assets | 0.2731% | 6,278 |
| Noninterest expense to average assets | 1.9128% | 7,526 |
| Loan and lease loss provision to assets | 0.5932% | 3,012 |
| Net operating income to assets | 1.0697% | 1,829 |
| Return on assets (ROA) | 1.0697% | 1,879 |
| Pretax return on assets | 1.1261% | 2,485 |
| Return on Equity (ROE) | 14.3062% | 876 |
| Retained earnings to average equity (ytd only) | 5.8024% | 2,044 |
| Net charge-offs to loans | 0.2786% | 4,292 |
| Credit loss provision to net charge-offs | 290.2552% | 1,432 |
| Earnings coverage of net charge-offs (x) | 8.4130% | 2,248 |
| Efficiency ratio | 52.6632% | 7,359 |
| Assets per employee ($millions) | 7.1959% | 724 |
| Cash dividends to net income (ytd only)* | 59.4417% | 1,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1547% | 1,499 |
| Loan loss allowance to noncurrent loans | 42.9721% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 4.1637% | 1,510 |
| Noncurrent loans to loans | 5.0142% | 1,313 |
| Net loans and leases to total assets | 72.5711% | 2,895 |
| Net loans and leases to deposits | 90.3519% | 2,508 |
| Net loans and leases to core deposits | 106.8844% | 3,603 |
| Total domestic deposits to total assets | 80.3205% | 5,321 |
| Equity capital to assets | 7.8157% | 7,022 |
| Core capital (leverage) ratio | 7.2204% | 7,246 |
| Tier 1 risk-based capital ratio | 9.7410% | 7,202 |
| Total risk-based capital ratio | 11.0014% | 7,153 |
| Memoranda: | ||
| Average total assets | $281,190,500 | 2,353 |
| Average earning assets | $272,214,000 | 2,242 |
| Average equity | $21,025,250 | 3,096 |
| Average total loans | $206,281,750 | 2,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 5,979 |
| Cost of funding earning assets | 1.8702% | 4,418 |
| Net interest margin | 3.3554% | 5,337 |
| Noninterest income to average assets | 0.3241% | 5,920 |
| Noninterest expense to average assets | 1.8794% | 7,652 |
| Loan and lease loss provision to assets | 0.5694% | 2,738 |
| Net operating income to assets | 1.0648% | 1,895 |
| Return on assets (ROA) | 1.0648% | 1,970 |
| Pretax return on assets | 1.1209% | 2,561 |
| Return on Equity (ROE) | 14.4578% | 916 |
| Retained earnings to average equity (ytd only) | 5.5978% | 2,200 |
| Net charge-offs to loans | 0.0078% | 6,475 |
| Credit loss provision to net charge-offs | 10,012.5000% | 45 |
| Earnings coverage of net charge-offs (x) | 297.2500% | 131 |
| Efficiency ratio | 52.6483% | 7,464 |
| Assets per employee ($millions) | 6.4111% | 1,002 |
| Cash dividends to net income (ytd only)* | 61.2817% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1328% | 1,344 |
| Loan loss allowance to noncurrent loans | 47.9664% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 3.7818% | 1,611 |
| Noncurrent loans to loans | 4.4464% | 1,454 |
| Net loans and leases to total assets | 72.5183% | 3,081 |
| Net loans and leases to deposits | 91.6523% | 2,532 |
| Net loans and leases to core deposits | 107.2868% | 3,694 |
| Total domestic deposits to total assets | 79.1233% | 5,778 |
| Equity capital to assets | 7.4597% | 7,305 |
| Core capital (leverage) ratio | 7.0807% | 7,477 |
| Tier 1 risk-based capital ratio | 9.4974% | 7,390 |
| Total risk-based capital ratio | 10.7585% | 7,339 |
| Memoranda: | ||
| Average total assets | $281,373,330 | 2,370 |
| Average earning assets | $272,161,000 | 2,271 |
| Average equity | $20,722,330 | 3,136 |
| Average total loans | $205,659,000 | 2,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 6,112 |
| Cost of funding earning assets | 1.9675% | 4,297 |
| Net interest margin | 3.2827% | 5,560 |
| Noninterest income to average assets | 0.3245% | 5,859 |
| Noninterest expense to average assets | 1.7921% | 7,710 |
| Loan and lease loss provision to assets | 0.4982% | 2,475 |
| Net operating income to assets | 1.1387% | 1,841 |
| Return on assets (ROA) | 1.1387% | 1,958 |
| Pretax return on assets | 1.1999% | 2,627 |
| Return on Equity (ROE) | 15.5627% | 885 |
| Retained earnings to average equity (ytd only) | 5.9527% | 2,650 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3458% | 7,480 |
| Assets per employee ($millions) | 7.2393% | 695 |
| Cash dividends to net income (ytd only)* | 61.7500% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,508 |
| Loan loss allowance to noncurrent loans | 61.9312% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.8123% | 2,022 |
| Noncurrent loans to loans | 3.1593% | 2,046 |
| Net loans and leases to total assets | 71.2591% | 3,413 |
| Net loans and leases to deposits | 85.4563% | 3,724 |
| Net loans and leases to core deposits | 101.9877% | 4,348 |
| Total domestic deposits to total assets | 83.3866% | 3,957 |
| Equity capital to assets | 7.4030% | 7,420 |
| Core capital (leverage) ratio | 7.0616% | 7,595 |
| Tier 1 risk-based capital ratio | 9.4030% | 7,509 |
| Total risk-based capital ratio | 10.6613% | 7,456 |
| Memoranda: | ||
| Average total assets | $281,015,000 | 2,382 |
| Average earning assets | $270,999,000 | 2,282 |
| Average equity | $20,562,000 | 3,177 |
| Average total loans | $203,976,000 | 2,325 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 5,349 |
| Cost of funding earning assets | 2.7190% | 3,070 |
| Net interest margin | 3.3221% | 5,963 |
| Noninterest income to average assets | 0.2534% | 6,634 |
| Noninterest expense to average assets | 1.7296% | 7,837 |
| Loan and lease loss provision to assets | 0.5474% | 2,630 |
| Net operating income to assets | 1.0883% | 2,193 |
| Return on assets (ROA) | 1.0883% | 2,109 |
| Pretax return on assets | 1.1358% | 2,897 |
| Return on Equity (ROE) | 15.3645% | 873 |
| Retained earnings to average equity (ytd only) | 4.5448% | 2,293 |
| Net charge-offs to loans | 0.2112% | 4,096 |
| Credit loss provision to net charge-offs | 358.6698% | 1,238 |
| Earnings coverage of net charge-offs (x) | 11.0285% | 2,421 |
| Efficiency ratio | 50.6798% | 7,614 |
| Assets per employee ($millions) | 7.1717% | 652 |
| Cash dividends to net income (ytd only)* | 70.4197% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 1,617 |
| Loan loss allowance to noncurrent loans | 78.5133% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.1992% | 2,222 |
| Noncurrent loans to loans | 2.3024% | 2,405 |
| Net loans and leases to total assets | 71.1785% | 3,753 |
| Net loans and leases to deposits | 86.4620% | 4,046 |
| Net loans and leases to core deposits | 99.3334% | 4,889 |
| Total domestic deposits to total assets | 82.3234% | 4,077 |
| Equity capital to assets | 7.2303% | 7,602 |
| Core capital (leverage) ratio | 6.8730% | 7,784 |
| Tier 1 risk-based capital ratio | 9.2546% | 7,563 |
| Total risk-based capital ratio | 10.5107% | 7,496 |
| Memoranda: | ||
| Average total assets | $275,847,200 | 2,342 |
| Average earning assets | $262,336,400 | 2,274 |
| Average equity | $19,538,600 | 3,301 |
| Average total loans | $199,323,200 | 2,308 |