Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 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 | 3.4458% | 1,958 |
| Cost of funding earning assets | 0.1600% | 3,372 |
| Net interest margin | 3.2859% | 1,599 |
| Noninterest income to average assets | 0.9211% | 809 |
| Noninterest expense to average assets | 2.6962% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0060% | 1,859 |
| Return on assets (ROA) | 0.9945% | 1,894 |
| Pretax return on assets | 1.2685% | 1,599 |
| Return on Equity (ROE) | 9.2750% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.2750% | 1,194 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7579% | 2,537 |
| Assets per employee ($millions) | 5.3591% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 539 |
| Loan loss allowance to noncurrent loans | 449.8350% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 2,232 |
| Noncurrent loans to loans | 0.4624% | 1,869 |
| Net loans and leases to total assets | 49.8873% | 3,190 |
| Net loans and leases to deposits | 60.3585% | 2,871 |
| Net loans and leases to core deposits | 61.4822% | 3,021 |
| Total domestic deposits to total assets | 82.6516% | 3,985 |
| Equity capital to assets | 10.8762% | 1,396 |
| Core capital (leverage) ratio | 10.3852% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3976% | 1,168 |
| Memoranda: | ||
| Average total assets | $386,916,500 | 2,109 |
| Average earning assets | $360,089,000 | 2,111 |
| Average equity | $41,488,000 | 1,991 |
| Average total loans | $196,734,000 | 2,249 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 1,071 |
| Cost of funding earning assets | 0.1987% | 3,477 |
| Net interest margin | 3.9574% | 776 |
| Noninterest income to average assets | 1.6413% | 420 |
| Noninterest expense to average assets | 3.5570% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2444% | 1,760 |
| Return on assets (ROA) | 1.2532% | 1,788 |
| Pretax return on assets | 1.7538% | 1,015 |
| Return on Equity (ROE) | 11.3704% | 2,032 |
| Retained earnings to average equity (ytd only) | 6.6617% | 2,052 |
| Net charge-offs to loans | 0.0580% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 52.9590% | 1,266 |
| Efficiency ratio | 67.1162% | 2,108 |
| Assets per employee ($millions) | 5.0387% | 3,697 |
| Cash dividends to net income (ytd only)* | 41.4120% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 543 |
| Loan loss allowance to noncurrent loans | 396.3178% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2660% | 2,217 |
| Noncurrent loans to loans | 0.5242% | 1,819 |
| Net loans and leases to total assets | 49.6926% | 3,322 |
| Net loans and leases to deposits | 59.8625% | 3,086 |
| Net loans and leases to core deposits | 60.9646% | 3,247 |
| Total domestic deposits to total assets | 83.0113% | 3,806 |
| Equity capital to assets | 10.5701% | 2,112 |
| Core capital (leverage) ratio | 10.2622% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2152% | 1,212 |
| Memoranda: | ||
| Average total assets | $370,736,400 | 2,106 |
| Average earning assets | $342,723,600 | 2,115 |
| Average equity | $40,860,600 | 2,057 |
| Average total loans | $210,349,800 | 2,173 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 863 |
| Cost of funding earning assets | 0.2133% | 3,484 |
| Net interest margin | 4.1497% | 599 |
| Noninterest income to average assets | 1.7891% | 398 |
| Noninterest expense to average assets | 3.4789% | 471 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5826% | 1,073 |
| Return on assets (ROA) | 1.5912% | 1,098 |
| Pretax return on assets | 2.1512% | 608 |
| Return on Equity (ROE) | 14.2824% | 1,319 |
| Retained earnings to average equity (ytd only) | 10.1737% | 1,270 |
| Net charge-offs to loans | 0.0012% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2,941.0000% | 46 |
| Efficiency ratio | 61.9115% | 2,713 |
| Assets per employee ($millions) | 4.3816% | 4,200 |
| Cash dividends to net income (ytd only)* | 28.7674% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 646 |
| Loan loss allowance to noncurrent loans | 372.2370% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 2,275 |
| Noncurrent loans to loans | 0.5345% | 1,977 |
| Net loans and leases to total assets | 55.0389% | 2,847 |
| Net loans and leases to deposits | 66.9909% | 2,542 |
| Net loans and leases to core deposits | 68.1606% | 2,765 |
| Total domestic deposits to total assets | 82.1589% | 3,905 |
| Equity capital to assets | 11.1269% | 1,929 |
| Core capital (leverage) ratio | 10.9533% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8593% | 1,377 |
| Memoranda: | ||
| Average total assets | $366,425,250 | 2,141 |
| Average earning assets | $338,204,250 | 2,163 |
| Average equity | $40,823,250 | 2,089 |
| Average total loans | $213,715,250 | 2,177 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6584% | 569 |
| Cost of funding earning assets | 0.2273% | 3,491 |
| Net interest margin | 4.4310% | 397 |
| Noninterest income to average assets | 1.8586% | 371 |
| Noninterest expense to average assets | 3.5844% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7000% | 872 |
| Return on assets (ROA) | 1.7087% | 911 |
| Pretax return on assets | 2.3666% | 431 |
| Return on Equity (ROE) | 15.3306% | 1,083 |
| Retained earnings to average equity (ytd only) | 12.2210% | 869 |
| Net charge-offs to loans | 0.0009% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4,275.0000% | 17 |
| Efficiency ratio | 60.3432% | 2,970 |
| Assets per employee ($millions) | 4.2942% | 4,261 |
| Cash dividends to net income (ytd only)* | 20.2838% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9131% | 717 |
| Loan loss allowance to noncurrent loans | 282.9973% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 1,844 |
| Noncurrent loans to loans | 0.6760% | 1,735 |
| Net loans and leases to total assets | 57.7906% | 2,698 |
| Net loans and leases to deposits | 70.4040% | 2,368 |
| Net loans and leases to core deposits | 71.5878% | 2,639 |
| Total domestic deposits to total assets | 82.0842% | 3,907 |
| Equity capital to assets | 11.1102% | 1,905 |
| Core capital (leverage) ratio | 10.6212% | 1,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8516% | 1,675 |
| Memoranda: | ||
| Average total assets | $362,962,000 | 2,145 |
| Average earning assets | $334,323,333 | 2,169 |
| Average equity | $40,455,000 | 2,086 |
| Average total loans | $214,418,667 | 2,184 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 2,361 |
| Cost of funding earning assets | 0.2522% | 3,455 |
| Net interest margin | 3.4474% | 1,968 |
| Noninterest income to average assets | 2.9459% | 204 |
| Noninterest expense to average assets | 3.5309% | 448 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.2594% | 378 |
| Return on assets (ROA) | 2.2771% | 399 |
| Pretax return on assets | 2.6003% | 376 |
| Return on Equity (ROE) | 20.3962% | 508 |
| Retained earnings to average equity (ytd only) | 14.0950% | 745 |
| Net charge-offs to loans | 0.0019% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2,307.0000% | 29 |
| Efficiency ratio | 57.7782% | 3,337 |
| Assets per employee ($millions) | 4.3105% | 4,261 |
| Cash dividends to net income (ytd only)* | 30.8939% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 723 |
| Loan loss allowance to noncurrent loans | 210.7608% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 1,559 |
| Noncurrent loans to loans | 0.9073% | 1,490 |
| Net loans and leases to total assets | 58.2679% | 2,772 |
| Net loans and leases to deposits | 71.4705% | 2,368 |
| Net loans and leases to core deposits | 72.4818% | 2,659 |
| Total domestic deposits to total assets | 81.5272% | 3,981 |
| Equity capital to assets | 10.7718% | 2,028 |
| Core capital (leverage) ratio | 11.0063% | 1,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0153% | 1,564 |
| Memoranda: | ||
| Average total assets | $357,647,000 | 2,148 |
| Average earning assets | $328,359,000 | 2,180 |
| Average equity | $39,929,000 | 2,096 |
| Average total loans | $211,572,000 | 2,206 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 1,421 |
| Cost of funding earning assets | 0.4807% | 3,073 |
| Net interest margin | 3.9767% | 1,024 |
| Noninterest income to average assets | 1.9990% | 331 |
| Noninterest expense to average assets | 3.7009% | 523 |
| Loan and lease loss provision to assets | 0.2906% | 1,306 |
| Net operating income to assets | 1.2790% | 1,310 |
| Return on assets (ROA) | 1.3004% | 1,347 |
| Pretax return on assets | 1.6617% | 928 |
| Return on Equity (ROE) | 11.3144% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.1467% | 1,011 |
| Net charge-offs to loans | -0.0886% | 4,787 |
| Credit loss provision to net charge-offs | -530.8989% | 3,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7813% | 2,562 |
| Assets per employee ($millions) | 4.2542% | 4,174 |
| Cash dividends to net income (ytd only)* | 27.9972% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 508 |
| Loan loss allowance to noncurrent loans | 255.4275% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 1,736 |
| Noncurrent loans to loans | 0.8126% | 1,722 |
| Net loans and leases to total assets | 57.6685% | 3,126 |
| Net loans and leases to deposits | 70.3591% | 2,843 |
| Net loans and leases to core deposits | 71.6855% | 3,106 |
| Total domestic deposits to total assets | 81.9630% | 3,671 |
| Equity capital to assets | 11.5866% | 1,820 |
| Core capital (leverage) ratio | 11.0639% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7035% | 1,340 |
| Memoranda: | ||
| Average total assets | $325,218,800 | 2,164 |
| Average earning assets | $296,631,400 | 2,204 |
| Average equity | $37,377,200 | 2,112 |
| Average total loans | $200,899,800 | 2,224 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,472 |
| Cost of funding earning assets | 0.5320% | 3,036 |
| Net interest margin | 4.0111% | 1,089 |
| Noninterest income to average assets | 1.8311% | 360 |
| Noninterest expense to average assets | 3.6681% | 565 |
| Loan and lease loss provision to assets | 0.2163% | 1,863 |
| Net operating income to assets | 1.1841% | 1,692 |
| Return on assets (ROA) | 1.1986% | 1,767 |
| Pretax return on assets | 1.6264% | 1,114 |
| Return on Equity (ROE) | 10.4516% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.1548% | 2,039 |
| Net charge-offs to loans | -0.1184% | 4,849 |
| Credit loss provision to net charge-offs | -292.1348% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7828% | 2,348 |
| Assets per employee ($millions) | 3.9476% | 4,351 |
| Cash dividends to net income (ytd only)* | 41.1111% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 838 |
| Loan loss allowance to noncurrent loans | 229.7937% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 1,708 |
| Noncurrent loans to loans | 0.7528% | 1,922 |
| Net loans and leases to total assets | 64.1091% | 2,760 |
| Net loans and leases to deposits | 81.6759% | 2,131 |
| Net loans and leases to core deposits | 84.7665% | 2,404 |
| Total domestic deposits to total assets | 78.4920% | 4,129 |
| Equity capital to assets | 11.3777% | 2,099 |
| Core capital (leverage) ratio | 10.7083% | 2,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3646% | 1,705 |
| Memoranda: | ||
| Average total assets | $320,376,750 | 2,170 |
| Average earning assets | $292,449,750 | 2,204 |
| Average equity | $36,740,000 | 2,126 |
| Average total loans | $200,392,250 | 2,231 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3366% | 2,373 |
| Cost of funding earning assets | 0.6106% | 2,916 |
| Net interest margin | 3.7260% | 2,071 |
| Noninterest income to average assets | 1.7341% | 356 |
| Noninterest expense to average assets | 3.5900% | 663 |
| Loan and lease loss provision to assets | 0.1871% | 2,153 |
| Net operating income to assets | 1.0251% | 2,236 |
| Return on assets (ROA) | 1.0472% | 2,294 |
| Pretax return on assets | 1.3834% | 1,763 |
| Return on Equity (ROE) | 9.1063% | 2,316 |
| Retained earnings to average equity (ytd only) | 5.8410% | 2,142 |
| Net charge-offs to loans | 0.0124% | 2,524 |
| Credit loss provision to net charge-offs | 2,458.3333% | 412 |
| Earnings coverage of net charge-offs (x) | 202.6667% | 440 |
| Efficiency ratio | 69.9456% | 1,965 |
| Assets per employee ($millions) | 3.9713% | 4,342 |
| Cash dividends to net income (ytd only)* | 35.8571% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 1,001 |
| Loan loss allowance to noncurrent loans | 155.8946% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0260% | 1,160 |
| Noncurrent loans to loans | 1.0283% | 1,515 |
| Net loans and leases to total assets | 60.6001% | 3,255 |
| Net loans and leases to deposits | 78.9987% | 2,542 |
| Net loans and leases to core deposits | 81.6680% | 2,803 |
| Total domestic deposits to total assets | 76.7102% | 4,356 |
| Equity capital to assets | 10.9012% | 2,423 |
| Core capital (leverage) ratio | 10.7120% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2325% | 1,434 |
| Memoranda: | ||
| Average total assets | $315,319,000 | 2,175 |
| Average earning assets | $287,600,667 | 2,205 |
| Average equity | $36,260,667 | 2,140 |
| Average total loans | $194,221,333 | 2,262 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,836 |
| Cost of funding earning assets | 0.6964% | 2,944 |
| Net interest margin | 3.6304% | 2,567 |
| Noninterest income to average assets | 1.2561% | 555 |
| Noninterest expense to average assets | 3.6411% | 766 |
| Loan and lease loss provision to assets | 0.0926% | 2,526 |
| Net operating income to assets | 0.6340% | 3,500 |
| Return on assets (ROA) | 0.6790% | 3,406 |
| Pretax return on assets | 0.8775% | 3,198 |
| Return on Equity (ROE) | 5.7358% | 3,413 |
| Retained earnings to average equity (ytd only) | -0.8833% | 4,124 |
| Net charge-offs to loans | 0.0086% | 2,252 |
| Credit loss provision to net charge-offs | 1,750.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 172.5000% | 384 |
| Efficiency ratio | 79.9477% | 1,143 |
| Assets per employee ($millions) | 3.4319% | 4,541 |
| Cash dividends to net income (ytd only)* | 115.3996% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 848 |
| Loan loss allowance to noncurrent loans | 66.4211% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.8112% | 498 |
| Noncurrent loans to loans | 2.5864% | 449 |
| Net loans and leases to total assets | 59.7664% | 3,522 |
| Net loans and leases to deposits | 73.6123% | 3,311 |
| Net loans and leases to core deposits | 77.8321% | 3,361 |
| Total domestic deposits to total assets | 81.1908% | 3,624 |
| Equity capital to assets | 11.8971% | 2,144 |
| Core capital (leverage) ratio | 11.2884% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0034% | 1,345 |
| Memoranda: | ||
| Average total assets | $302,213,000 | 2,198 |
| Average earning assets | $274,573,500 | 2,230 |
| Average equity | $35,775,500 | 2,153 |
| Average total loans | $186,162,000 | 2,296 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8762% | 1,823 |
| Cost of funding earning assets | 0.8111% | 2,629 |
| Net interest margin | 4.0651% | 1,636 |
| Noninterest income to average assets | 1.3762% | 511 |
| Noninterest expense to average assets | 3.7776% | 691 |
| Loan and lease loss provision to assets | 0.1043% | 1,980 |
| Net operating income to assets | 0.9849% | 2,897 |
| Return on assets (ROA) | 0.9906% | 2,962 |
| Pretax return on assets | 1.1841% | 2,894 |
| Return on Equity (ROE) | 8.6778% | 2,880 |
| Retained earnings to average equity (ytd only) | 5.4059% | 2,224 |
| Net charge-offs to loans | -0.0266% | 4,688 |
| Credit loss provision to net charge-offs | -645.8333% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6675% | 1,530 |
| Assets per employee ($millions) | 3.5579% | 4,424 |
| Cash dividends to net income (ytd only)* | 37.7038% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6372% | 905 |
| Loan loss allowance to noncurrent loans | 175.1134% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 1,572 |
| Noncurrent loans to loans | 0.9350% | 1,637 |
| Net loans and leases to total assets | 61.3657% | 3,465 |
| Net loans and leases to deposits | 75.3195% | 3,236 |
| Net loans and leases to core deposits | 79.6124% | 3,331 |
| Total domestic deposits to total assets | 81.4738% | 3,657 |
| Equity capital to assets | 11.7787% | 2,298 |
| Core capital (leverage) ratio | 11.4635% | 2,140 |
| Tier 1 risk-based capital ratio | 15.5508% | 2,562 |
| Total risk-based capital ratio | 16.8029% | 2,496 |
| Memoranda: | ||
| Average total assets | $297,198,800 | 2,175 |
| Average earning assets | $269,269,000 | 2,214 |
| Average equity | $33,925,800 | 2,193 |
| Average total loans | $180,452,000 | 2,310 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 2,334 |
| Cost of funding earning assets | 0.8237% | 2,601 |
| Net interest margin | 3.9033% | 2,240 |
| Noninterest income to average assets | 1.3063% | 545 |
| Noninterest expense to average assets | 3.7639% | 688 |
| Loan and lease loss provision to assets | 0.0766% | 2,365 |
| Net operating income to assets | 0.7686% | 3,777 |
| Return on assets (ROA) | 0.7696% | 3,844 |
| Pretax return on assets | 1.0053% | 3,582 |
| Return on Equity (ROE) | 6.7974% | 3,768 |
| Retained earnings to average equity (ytd only) | 2.3799% | 4,144 |
| Net charge-offs to loans | 0.0120% | 2,934 |
| Credit loss provision to net charge-offs | 1,062.5000% | 329 |
| Earnings coverage of net charge-offs (x) | 149.8945% | 541 |
| Efficiency ratio | 77.6951% | 1,131 |
| Assets per employee ($millions) | 3.4377% | 4,557 |
| Cash dividends to net income (ytd only)* | 64.9881% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,352 |
| Loan loss allowance to noncurrent loans | 114.2574% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.1783% | 1,085 |
| Noncurrent loans to loans | 1.2813% | 1,214 |
| Net loans and leases to total assets | 63.4683% | 3,340 |
| Net loans and leases to deposits | 84.1128% | 2,441 |
| Net loans and leases to core deposits | 85.0396% | 2,989 |
| Total domestic deposits to total assets | 75.4562% | 4,705 |
| Equity capital to assets | 11.2695% | 2,862 |
| Core capital (leverage) ratio | 10.8965% | 2,740 |
| Tier 1 risk-based capital ratio | 14.4646% | 3,091 |
| Total risk-based capital ratio | 15.7144% | 3,012 |
| Memoranda: | ||
| Average total assets | $295,893,500 | 2,199 |
| Average earning assets | $268,209,750 | 2,237 |
| Average equity | $33,502,000 | 2,227 |
| Average total loans | $178,397,250 | 2,361 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5714% | 2,768 |
| Cost of funding earning assets | 0.7674% | 2,816 |
| Net interest margin | 3.8040% | 2,577 |
| Noninterest income to average assets | 1.2115% | 581 |
| Noninterest expense to average assets | 3.7588% | 697 |
| Loan and lease loss provision to assets | 0.0547% | 2,729 |
| Net operating income to assets | 0.6369% | 4,204 |
| Return on assets (ROA) | 0.6385% | 4,246 |
| Pretax return on assets | 0.8498% | 3,973 |
| Return on Equity (ROE) | 5.6306% | 4,170 |
| Retained earnings to average equity (ytd only) | 2.2848% | 4,019 |
| Net charge-offs to loans | 0.0081% | 2,855 |
| Credit loss provision to net charge-offs | 1,142.8571% | 305 |
| Earnings coverage of net charge-offs (x) | 188.5714% | 411 |
| Efficiency ratio | 80.6395% | 914 |
| Assets per employee ($millions) | 3.3613% | 4,652 |
| Cash dividends to net income (ytd only)* | 59.4218% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,308 |
| Loan loss allowance to noncurrent loans | 88.0377% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4257% | 815 |
| Noncurrent loans to loans | 1.6917% | 902 |
| Net loans and leases to total assets | 61.9974% | 3,545 |
| Net loans and leases to deposits | 80.0579% | 2,944 |
| Net loans and leases to core deposits | 81.1132% | 3,331 |
| Total domestic deposits to total assets | 77.4406% | 4,495 |
| Equity capital to assets | 11.3871% | 2,714 |
| Core capital (leverage) ratio | 11.1587% | 2,449 |
| Tier 1 risk-based capital ratio | 14.7890% | 2,921 |
| Total risk-based capital ratio | 16.0392% | 2,850 |
| Memoranda: | ||
| Average total assets | $292,538,330 | 2,219 |
| Average earning assets | $265,301,330 | 2,271 |
| Average equity | $33,176,000 | 2,240 |
| Average total loans | $172,172,330 | 2,434 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3867% | 3,282 |
| Cost of funding earning assets | 0.7097% | 3,005 |
| Net interest margin | 3.6769% | 2,981 |
| Noninterest income to average assets | 1.0345% | 746 |
| Noninterest expense to average assets | 3.7617% | 688 |
| Loan and lease loss provision to assets | 0.0207% | 3,170 |
| Net operating income to assets | 0.4370% | 4,657 |
| Return on assets (ROA) | 0.4370% | 4,675 |
| Pretax return on assets | 0.5836% | 4,543 |
| Return on Equity (ROE) | 3.8617% | 4,605 |
| Retained earnings to average equity (ytd only) | -2.9207% | 4,810 |
| Net charge-offs to loans | 0.0171% | 2,127 |
| Credit loss provision to net charge-offs | 214.2857% | 1,008 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 895 |
| Efficiency ratio | 86.1577% | 571 |
| Assets per employee ($millions) | 3.2256% | 4,813 |
| Cash dividends to net income (ytd only)* | 175.6329% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 975 |
| Loan loss allowance to noncurrent loans | 83.7615% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5091% | 793 |
| Noncurrent loans to loans | 1.9632% | 759 |
| Net loans and leases to total assets | 56.4343% | 4,035 |
| Net loans and leases to deposits | 71.2459% | 3,661 |
| Net loans and leases to core deposits | 72.0300% | 3,943 |
| Total domestic deposits to total assets | 79.2106% | 4,315 |
| Equity capital to assets | 11.3668% | 2,510 |
| Core capital (leverage) ratio | 11.1851% | 2,401 |
| Tier 1 risk-based capital ratio | 15.4265% | 2,684 |
| Total risk-based capital ratio | 16.6773% | 2,598 |
| Memoranda: | ||
| Average total assets | $289,231,000 | 2,252 |
| Average earning assets | $262,067,500 | 2,301 |
| Average equity | $32,731,500 | 2,266 |
| Average total loans | $164,123,000 | 2,518 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 3,153 |
| Cost of funding earning assets | 0.6136% | 2,629 |
| Net interest margin | 3.6750% | 3,140 |
| Noninterest income to average assets | 1.3899% | 470 |
| Noninterest expense to average assets | 3.6773% | 794 |
| Loan and lease loss provision to assets | 0.0208% | 3,745 |
| Net operating income to assets | 0.8357% | 3,670 |
| Return on assets (ROA) | 0.8360% | 3,664 |
| Pretax return on assets | 1.0204% | 3,540 |
| Return on Equity (ROE) | 7.6876% | 3,575 |
| Retained earnings to average equity (ytd only) | 4.3788% | 3,138 |
| Net charge-offs to loans | 0.1428% | 1,330 |
| Credit loss provision to net charge-offs | 27.3973% | 3,363 |
| Earnings coverage of net charge-offs (x) | 13.6849% | 2,432 |
| Efficiency ratio | 77.9389% | 1,135 |
| Assets per employee ($millions) | 3.2378% | 4,793 |
| Cash dividends to net income (ytd only)* | 43.0411% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 853 |
| Loan loss allowance to noncurrent loans | 73.8308% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 651 |
| Noncurrent loans to loans | 2.2879% | 556 |
| Net loans and leases to total assets | 55.1589% | 4,194 |
| Net loans and leases to deposits | 67.6847% | 4,001 |
| Net loans and leases to core deposits | 68.7310% | 4,196 |
| Total domestic deposits to total assets | 81.4940% | 3,790 |
| Equity capital to assets | 11.2663% | 2,457 |
| Core capital (leverage) ratio | 10.9626% | 2,560 |
| Tier 1 risk-based capital ratio | 16.0162% | 2,396 |
| Total risk-based capital ratio | 17.2675% | 2,341 |
| Memoranda: | ||
| Average total assets | $287,927,000 | 2,221 |
| Average earning assets | $260,765,200 | 2,263 |
| Average equity | $31,310,000 | 2,263 |
| Average total loans | $153,328,000 | 2,607 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,304 |
| Cost of funding earning assets | 0.5769% | 2,655 |
| Net interest margin | 3.6275% | 3,275 |
| Noninterest income to average assets | 1.4298% | 460 |
| Noninterest expense to average assets | 3.7183% | 742 |
| Loan and lease loss provision to assets | 0.0208% | 3,595 |
| Net operating income to assets | 0.8295% | 3,812 |
| Return on assets (ROA) | 0.8295% | 3,823 |
| Pretax return on assets | 0.9787% | 3,782 |
| Return on Equity (ROE) | 7.6978% | 3,666 |
| Retained earnings to average equity (ytd only) | 3.2450% | 4,118 |
| Net charge-offs to loans | 0.1842% | 912 |
| Credit loss provision to net charge-offs | 21.5311% | 3,010 |
| Earnings coverage of net charge-offs (x) | 10.3253% | 2,593 |
| Efficiency ratio | 78.8141% | 1,042 |
| Assets per employee ($millions) | 3.4848% | 4,579 |
| Cash dividends to net income (ytd only)* | 57.8448% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6105% | 1,057 |
| Loan loss allowance to noncurrent loans | 66.1811% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 689 |
| Noncurrent loans to loans | 2.4334% | 546 |
| Net loans and leases to total assets | 55.5716% | 4,247 |
| Net loans and leases to deposits | 71.5412% | 3,803 |
| Net loans and leases to core deposits | 74.0405% | 3,944 |
| Total domestic deposits to total assets | 77.6777% | 4,534 |
| Equity capital to assets | 10.3577% | 3,273 |
| Core capital (leverage) ratio | 10.5406% | 3,048 |
| Tier 1 risk-based capital ratio | 15.1976% | 2,792 |
| Total risk-based capital ratio | 16.4484% | 2,713 |
| Memoranda: | ||
| Average total assets | $287,868,750 | 2,231 |
| Average earning assets | $260,922,750 | 2,264 |
| Average equity | $31,021,250 | 2,279 |
| Average total loans | $151,240,750 | 2,647 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9426% | 3,947 |
| Cost of funding earning assets | 0.4938% | 3,046 |
| Net interest margin | 3.4488% | 3,802 |
| Noninterest income to average assets | 1.3567% | 522 |
| Noninterest expense to average assets | 3.6854% | 777 |
| Loan and lease loss provision to assets | 0.0211% | 3,485 |
| Net operating income to assets | 0.5847% | 4,545 |
| Return on assets (ROA) | 0.5847% | 4,543 |
| Pretax return on assets | 0.7791% | 4,308 |
| Return on Equity (ROE) | 5.3523% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.0120% | 4,451 |
| Net charge-offs to loans | -0.0014% | 3,912 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1608% | 819 |
| Assets per employee ($millions) | 3.2529% | 4,878 |
| Cash dividends to net income (ytd only)* | 62.4096% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 745 |
| Loan loss allowance to noncurrent loans | 34.8818% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 3.2042% | 219 |
| Noncurrent loans to loans | 5.1790% | 124 |
| Net loans and leases to total assets | 53.6356% | 4,367 |
| Net loans and leases to deposits | 69.8783% | 3,871 |
| Net loans and leases to core deposits | 72.1989% | 3,994 |
| Total domestic deposits to total assets | 76.7558% | 4,760 |
| Equity capital to assets | 10.4563% | 3,168 |
| Core capital (leverage) ratio | 10.9023% | 2,609 |
| Tier 1 risk-based capital ratio | 15.4164% | 2,684 |
| Total risk-based capital ratio | 16.6686% | 2,605 |
| Memoranda: | ||
| Average total assets | $283,928,000 | 2,259 |
| Average earning assets | $257,593,330 | 2,299 |
| Average equity | $31,014,670 | 2,286 |
| Average total loans | $145,231,330 | 2,728 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 4,098 |
| Cost of funding earning assets | 0.4088% | 3,519 |
| Net interest margin | 3.4365% | 3,749 |
| Noninterest income to average assets | 1.2696% | 573 |
| Noninterest expense to average assets | 3.7944% | 683 |
| Loan and lease loss provision to assets | 0.0216% | 3,251 |
| Net operating income to assets | 0.4232% | 4,877 |
| Return on assets (ROA) | 0.4232% | 4,883 |
| Pretax return on assets | 0.5758% | 4,742 |
| Return on Equity (ROE) | 3.7879% | 4,823 |
| Retained earnings to average equity (ytd only) | -2.8860% | 5,073 |
| Net charge-offs to loans | -0.0058% | 4,059 |
| Credit loss provision to net charge-offs | -750.0000% | 4,094 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3979% | 620 |
| Assets per employee ($millions) | 3.1839% | 5,019 |
| Cash dividends to net income (ytd only)* | 176.1905% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 476 |
| Loan loss allowance to noncurrent loans | 41.9178% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 2.9385% | 278 |
| Noncurrent loans to loans | 4.9560% | 155 |
| Net loans and leases to total assets | 50.0422% | 4,552 |
| Net loans and leases to deposits | 61.7793% | 4,357 |
| Net loans and leases to core deposits | 63.0868% | 4,484 |
| Total domestic deposits to total assets | 81.0015% | 4,207 |
| Equity capital to assets | 11.1155% | 2,465 |
| Core capital (leverage) ratio | 11.1915% | 2,254 |
| Tier 1 risk-based capital ratio | 16.6025% | 2,244 |
| Total risk-based capital ratio | 17.8566% | 2,185 |
| Memoranda: | ||
| Average total assets | $277,885,000 | 2,319 |
| Average earning assets | $252,464,000 | 2,351 |
| Average equity | $31,046,000 | 2,302 |
| Average total loans | $137,002,000 | 2,851 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 3,739 |
| Cost of funding earning assets | 0.3588% | 3,625 |
| Net interest margin | 3.5362% | 3,397 |
| Noninterest income to average assets | 1.4076% | 534 |
| Noninterest expense to average assets | 3.4908% | 1,055 |
| Loan and lease loss provision to assets | 0.0213% | 3,876 |
| Net operating income to assets | 0.7734% | 3,284 |
| Return on assets (ROA) | 0.7766% | 3,309 |
| Pretax return on assets | 1.1173% | 3,112 |
| Return on Equity (ROE) | 7.0415% | 3,255 |
| Retained earnings to average equity (ytd only) | 3.9498% | 2,824 |
| Net charge-offs to loans | 0.0888% | 2,204 |
| Credit loss provision to net charge-offs | 48.0000% | 3,352 |
| Earnings coverage of net charge-offs (x) | 25.5920% | 1,706 |
| Efficiency ratio | 75.4810% | 1,696 |
| Assets per employee ($millions) | 3.3171% | 4,919 |
| Cash dividends to net income (ytd only)* | 43.9069% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 405 |
| Loan loss allowance to noncurrent loans | 44.8549% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.6792% | 324 |
| Noncurrent loans to loans | 4.8056% | 151 |
| Net loans and leases to total assets | 46.5265% | 4,856 |
| Net loans and leases to deposits | 55.8789% | 4,809 |
| Net loans and leases to core deposits | 57.0150% | 4,894 |
| Total domestic deposits to total assets | 83.2632% | 3,478 |
| Equity capital to assets | 11.2274% | 2,410 |
| Core capital (leverage) ratio | 11.0950% | 2,252 |
| Tier 1 risk-based capital ratio | 17.7750% | 1,865 |
| Total risk-based capital ratio | 19.0297% | 1,813 |
| Memoranda: | ||
| Average total assets | $282,114,600 | 2,276 |
| Average earning assets | $256,658,200 | 2,307 |
| Average equity | $31,115,600 | 2,285 |
| Average total loans | $140,798,600 | 2,768 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 3,966 |
| Cost of funding earning assets | 0.3634% | 3,521 |
| Net interest margin | 3.4476% | 3,686 |
| Noninterest income to average assets | 1.4318% | 523 |
| Noninterest expense to average assets | 3.4316% | 1,100 |
| Loan and lease loss provision to assets | 0.0213% | 3,723 |
| Net operating income to assets | 0.8566% | 3,252 |
| Return on assets (ROA) | 0.8610% | 3,275 |
| Pretax return on assets | 1.1228% | 3,221 |
| Return on Equity (ROE) | 7.8413% | 3,212 |
| Retained earnings to average equity (ytd only) | 3.7012% | 3,724 |
| Net charge-offs to loans | 0.2180% | 994 |
| Credit loss provision to net charge-offs | 19.3133% | 3,161 |
| Earnings coverage of net charge-offs (x) | 10.3390% | 2,605 |
| Efficiency ratio | 75.0905% | 1,725 |
| Assets per employee ($millions) | 3.4086% | 4,850 |
| Cash dividends to net income (ytd only)* | 52.7990% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 771 |
| Loan loss allowance to noncurrent loans | 38.9993% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 2.9005% | 318 |
| Noncurrent loans to loans | 4.7587% | 177 |
| Net loans and leases to total assets | 51.7223% | 4,588 |
| Net loans and leases to deposits | 67.1508% | 4,171 |
| Net loans and leases to core deposits | 69.8651% | 4,250 |
| Total domestic deposits to total assets | 77.0240% | 4,889 |
| Equity capital to assets | 11.2840% | 2,584 |
| Core capital (leverage) ratio | 10.7762% | 2,667 |
| Tier 1 risk-based capital ratio | 16.4372% | 2,341 |
| Total risk-based capital ratio | 17.6901% | 2,292 |
| Memoranda: | ||
| Average total assets | $282,155,000 | 2,289 |
| Average earning assets | $256,830,250 | 2,316 |
| Average equity | $30,980,500 | 2,306 |
| Average total loans | $142,480,000 | 2,764 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,143 |
| Cost of funding earning assets | 0.3263% | 3,835 |
| Net interest margin | 3.3998% | 3,768 |
| Noninterest income to average assets | 1.3856% | 560 |
| Noninterest expense to average assets | 3.3927% | 1,184 |
| Loan and lease loss provision to assets | 0.0213% | 3,557 |
| Net operating income to assets | 0.7900% | 3,444 |
| Return on assets (ROA) | 0.8052% | 3,432 |
| Pretax return on assets | 1.0897% | 3,218 |
| Return on Equity (ROE) | 7.4023% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.2653% | 3,169 |
| Net charge-offs to loans | 0.3379% | 597 |
| Credit loss provision to net charge-offs | 12.6582% | 2,831 |
| Earnings coverage of net charge-offs (x) | 6.4852% | 2,706 |
| Efficiency ratio | 75.6765% | 1,776 |
| Assets per employee ($millions) | 3.5127% | 4,706 |
| Cash dividends to net income (ytd only)* | 42.3789% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8390% | 813 |
| Loan loss allowance to noncurrent loans | 41.4667% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 2.7196% | 364 |
| Noncurrent loans to loans | 4.4348% | 188 |
| Net loans and leases to total assets | 51.5536% | 4,607 |
| Net loans and leases to deposits | 65.5230% | 4,257 |
| Net loans and leases to core deposits | 68.1777% | 4,338 |
| Total domestic deposits to total assets | 78.6802% | 4,693 |
| Equity capital to assets | 11.1813% | 2,620 |
| Core capital (leverage) ratio | 10.6797% | 2,727 |
| Tier 1 risk-based capital ratio | 16.1874% | 2,434 |
| Total risk-based capital ratio | 17.4404% | 2,374 |
| Memoranda: | ||
| Average total assets | $281,902,330 | 2,299 |
| Average earning assets | $256,835,330 | 2,327 |
| Average equity | $30,666,000 | 2,324 |
| Average total loans | $140,274,670 | 2,800 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6969% | 4,126 |
| Cost of funding earning assets | 0.2823% | 4,232 |
| Net interest margin | 3.4146% | 3,602 |
| Noninterest income to average assets | 1.2659% | 633 |
| Noninterest expense to average assets | 3.4157% | 1,166 |
| Loan and lease loss provision to assets | 0.0214% | 3,305 |
| Net operating income to assets | 0.6372% | 3,990 |
| Return on assets (ROA) | 0.6372% | 4,031 |
| Pretax return on assets | 0.9323% | 3,650 |
| Return on Equity (ROE) | 5.9418% | 3,949 |
| Retained earnings to average equity (ytd only) | -0.4519% | 4,989 |
| Net charge-offs to loans | -0.0383% | 5,052 |
| Credit loss provision to net charge-offs | -115.3846% | 3,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1729% | 1,607 |
| Assets per employee ($millions) | 3.4607% | 4,846 |
| Cash dividends to net income (ytd only)* | 107.6063% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2355% | 451 |
| Loan loss allowance to noncurrent loans | 78.1709% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 756 |
| Noncurrent loans to loans | 2.8598% | 498 |
| Net loans and leases to total assets | 46.5387% | 4,917 |
| Net loans and leases to deposits | 58.1216% | 4,687 |
| Net loans and leases to core deposits | 58.8970% | 4,832 |
| Total domestic deposits to total assets | 80.0712% | 4,603 |
| Equity capital to assets | 10.8272% | 2,827 |
| Core capital (leverage) ratio | 10.8979% | 2,481 |
| Tier 1 risk-based capital ratio | 16.8634% | 2,231 |
| Total risk-based capital ratio | 18.1187% | 2,193 |
| Memoranda: | ||
| Average total assets | $280,589,000 | 2,322 |
| Average earning assets | $255,022,500 | 2,354 |
| Average equity | $30,092,000 | 2,369 |
| Average total loans | $135,695,500 | 2,877 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7332% | 4,115 |
| Cost of funding earning assets | 0.2544% | 4,528 |
| Net interest margin | 3.4788% | 3,511 |
| Noninterest income to average assets | 1.6938% | 423 |
| Noninterest expense to average assets | 3.3973% | 1,367 |
| Loan and lease loss provision to assets | 0.0072% | 4,217 |
| Net operating income to assets | 1.0129% | 2,296 |
| Return on assets (ROA) | 1.0129% | 2,398 |
| Pretax return on assets | 1.4765% | 1,663 |
| Return on Equity (ROE) | 9.3035% | 2,271 |
| Retained earnings to average equity (ytd only) | 6.6104% | 1,405 |
| Net charge-offs to loans | 0.2555% | 1,081 |
| Credit loss provision to net charge-offs | 5.8309% | 3,761 |
| Earnings coverage of net charge-offs (x) | 12.0087% | 2,493 |
| Efficiency ratio | 69.6015% | 2,980 |
| Assets per employee ($millions) | 3.4252% | 4,864 |
| Cash dividends to net income (ytd only)* | 28.9474% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1420% | 503 |
| Loan loss allowance to noncurrent loans | 58.1807% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.8194% | 801 |
| Noncurrent loans to loans | 3.6817% | 313 |
| Net loans and leases to total assets | 48.0654% | 4,893 |
| Net loans and leases to deposits | 59.9503% | 4,671 |
| Net loans and leases to core deposits | 60.7480% | 4,830 |
| Total domestic deposits to total assets | 80.1755% | 4,535 |
| Equity capital to assets | 10.6222% | 3,014 |
| Core capital (leverage) ratio | 10.7787% | 2,554 |
| Tier 1 risk-based capital ratio | 16.7814% | 2,235 |
| Total risk-based capital ratio | 18.0368% | 2,185 |
| Memoranda: | ||
| Average total assets | $277,606,600 | 2,302 |
| Average earning assets | $254,337,400 | 2,331 |
| Average equity | $30,225,200 | 2,335 |
| Average total loans | $134,232,600 | 2,863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,194 |
| Cost of funding earning assets | 0.2491% | 4,609 |
| Net interest margin | 3.4686% | 3,595 |
| Noninterest income to average assets | 1.7139% | 426 |
| Noninterest expense to average assets | 3.4061% | 1,329 |
| Loan and lease loss provision to assets | 0.0024% | 4,167 |
| Net operating income to assets | 1.0776% | 2,091 |
| Return on assets (ROA) | 1.0776% | 2,197 |
| Pretax return on assets | 1.4909% | 1,738 |
| Return on Equity (ROE) | 9.8361% | 2,123 |
| Retained earnings to average equity (ytd only) | 6.2569% | 2,029 |
| Net charge-offs to loans | 0.1410% | 1,584 |
| Credit loss provision to net charge-offs | 3.5461% | 3,397 |
| Earnings coverage of net charge-offs (x) | 21.9853% | 1,790 |
| Efficiency ratio | 69.5212% | 2,964 |
| Assets per employee ($millions) | 3.4059% | 4,903 |
| Cash dividends to net income (ytd only)* | 36.3882% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2604% | 463 |
| Loan loss allowance to noncurrent loans | 61.9968% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.8483% | 881 |
| Noncurrent loans to loans | 3.6461% | 338 |
| Net loans and leases to total assets | 49.2460% | 4,874 |
| Net loans and leases to deposits | 63.5704% | 4,513 |
| Net loans and leases to core deposits | 64.3204% | 4,711 |
| Total domestic deposits to total assets | 77.4669% | 5,002 |
| Equity capital to assets | 11.3856% | 2,617 |
| Core capital (leverage) ratio | 10.6375% | 2,842 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,344 |
| Total risk-based capital ratio | 17.9319% | 2,292 |
| Memoranda: | ||
| Average total assets | $276,792,000 | 2,313 |
| Average earning assets | $254,201,500 | 2,339 |
| Average equity | $30,323,000 | 2,347 |
| Average total loans | $133,302,250 | 2,881 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6563% | 4,426 |
| Cost of funding earning assets | 0.2398% | 4,757 |
| Net interest margin | 3.4165% | 3,825 |
| Noninterest income to average assets | 1.5937% | 481 |
| Noninterest expense to average assets | 3.4103% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8964% | 2,881 |
| Return on assets (ROA) | 0.8964% | 3,006 |
| Pretax return on assets | 1.3201% | 2,328 |
| Return on Equity (ROE) | 8.2909% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.8210% | 2,229 |
| Net charge-offs to loans | 0.2055% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.5481% | 2,120 |
| Efficiency ratio | 72.0934% | 2,636 |
| Assets per employee ($millions) | 3.4671% | 4,806 |
| Cash dividends to net income (ytd only)* | 29.7907% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2483% | 508 |
| Loan loss allowance to noncurrent loans | 59.5716% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 1.8897% | 889 |
| Noncurrent loans to loans | 3.7742% | 336 |
| Net loans and leases to total assets | 48.6585% | 4,934 |
| Net loans and leases to deposits | 62.6335% | 4,603 |
| Net loans and leases to core deposits | 63.5357% | 4,775 |
| Total domestic deposits to total assets | 77.6876% | 5,054 |
| Equity capital to assets | 11.1229% | 2,922 |
| Core capital (leverage) ratio | 10.5201% | 2,950 |
| Tier 1 risk-based capital ratio | 16.6683% | 2,368 |
| Total risk-based capital ratio | 17.9253% | 2,314 |
| Memoranda: | ||
| Average total assets | $277,098,000 | 2,320 |
| Average earning assets | $254,411,330 | 2,352 |
| Average equity | $29,960,670 | 2,372 |
| Average total loans | $131,403,330 | 2,914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6359% | 4,516 |
| Cost of funding earning assets | 0.2378% | 4,831 |
| Net interest margin | 3.3980% | 3,873 |
| Noninterest income to average assets | 1.5536% | 483 |
| Noninterest expense to average assets | 3.3354% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8110% | 3,184 |
| Return on assets (ROA) | 0.8110% | 3,310 |
| Pretax return on assets | 1.3327% | 2,170 |
| Return on Equity (ROE) | 7.6119% | 3,123 |
| Retained earnings to average equity (ytd only) | 2.5646% | 4,219 |
| Net charge-offs to loans | 0.2233% | 911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 12.9155% | 1,762 |
| Efficiency ratio | 71.4508% | 2,879 |
| Assets per employee ($millions) | 3.3228% | 5,091 |
| Cash dividends to net income (ytd only)* | 66.3082% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5182% | 382 |
| Loan loss allowance to noncurrent loans | 59.6762% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.9598% | 901 |
| Noncurrent loans to loans | 4.2198% | 276 |
| Net loans and leases to total assets | 45.0133% | 5,185 |
| Net loans and leases to deposits | 54.1338% | 5,093 |
| Net loans and leases to core deposits | 54.6307% | 5,204 |
| Total domestic deposits to total assets | 83.1519% | 3,842 |
| Equity capital to assets | 10.7646% | 3,191 |
| Core capital (leverage) ratio | 10.2378% | 3,274 |
| Tier 1 risk-based capital ratio | 17.0288% | 2,278 |
| Total risk-based capital ratio | 18.2870% | 2,235 |
| Memoranda: | ||
| Average total assets | $275,229,500 | 2,346 |
| Average earning assets | $252,263,000 | 2,371 |
| Average equity | $29,322,500 | 2,414 |
| Average total loans | $127,208,500 | 2,982 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,551 |
| Cost of funding earning assets | 0.2284% | 5,022 |
| Net interest margin | 3.4144% | 3,857 |
| Noninterest income to average assets | 1.7085% | 448 |
| Noninterest expense to average assets | 3.2451% | 1,848 |
| Loan and lease loss provision to assets | 0.0108% | 4,191 |
| Net operating income to assets | 1.0794% | 2,006 |
| Return on assets (ROA) | 1.0853% | 2,056 |
| Pretax return on assets | 1.6048% | 1,234 |
| Return on Equity (ROE) | 11.0010% | 1,614 |
| Retained earnings to average equity (ytd only) | 9.1172% | 628 |
| Net charge-offs to loans | -0.1149% | 5,819 |
| Credit loss provision to net charge-offs | -20.2703% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8811% | 3,771 |
| Assets per employee ($millions) | 3.4768% | 4,866 |
| Cash dividends to net income (ytd only)* | 17.1240% | 3,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5798% | 364 |
| Loan loss allowance to noncurrent loans | 74.9428% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.7345% | 1,104 |
| Noncurrent loans to loans | 3.4423% | 414 |
| Net loans and leases to total assets | 45.0687% | 5,221 |
| Net loans and leases to deposits | 53.7930% | 5,173 |
| Net loans and leases to core deposits | 54.2851% | 5,296 |
| Total domestic deposits to total assets | 83.7817% | 3,571 |
| Equity capital to assets | 10.5427% | 3,312 |
| Core capital (leverage) ratio | 10.0865% | 3,394 |
| Tier 1 risk-based capital ratio | 17.2137% | 2,213 |
| Total risk-based capital ratio | 18.4737% | 2,167 |
| Memoranda: | ||
| Average total assets | $278,726,400 | 2,284 |
| Average earning assets | $256,616,000 | 2,291 |
| Average equity | $27,497,400 | 2,503 |
| Average total loans | $128,807,800 | 2,903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 4,637 |
| Cost of funding earning assets | 0.2280% | 5,112 |
| Net interest margin | 3.4038% | 3,938 |
| Noninterest income to average assets | 1.6543% | 471 |
| Noninterest expense to average assets | 3.2000% | 1,962 |
| Loan and lease loss provision to assets | 0.0143% | 3,988 |
| Net operating income to assets | 1.0740% | 2,118 |
| Return on assets (ROA) | 1.0814% | 2,175 |
| Pretax return on assets | 1.5890% | 1,419 |
| Return on Equity (ROE) | 11.1499% | 1,644 |
| Retained earnings to average equity (ytd only) | 8.6045% | 1,035 |
| Net charge-offs to loans | -0.1558% | 5,928 |
| Credit loss provision to net charge-offs | -19.8675% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7727% | 3,756 |
| Assets per employee ($millions) | 3.3364% | 5,074 |
| Cash dividends to net income (ytd only)* | 22.8294% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 521 |
| Loan loss allowance to noncurrent loans | 66.7956% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 1.9449% | 1,065 |
| Noncurrent loans to loans | 3.5477% | 433 |
| Net loans and leases to total assets | 49.4077% | 4,978 |
| Net loans and leases to deposits | 60.7295% | 4,805 |
| Net loans and leases to core deposits | 61.2616% | 4,984 |
| Total domestic deposits to total assets | 81.3569% | 4,374 |
| Equity capital to assets | 10.3638% | 3,742 |
| Core capital (leverage) ratio | 9.6872% | 4,044 |
| Tier 1 risk-based capital ratio | 16.3257% | 2,660 |
| Total risk-based capital ratio | 17.5847% | 2,602 |
| Memoranda: | ||
| Average total assets | $279,741,750 | 2,288 |
| Average earning assets | $257,904,750 | 2,293 |
| Average equity | $27,132,500 | 2,546 |
| Average total loans | $129,243,250 | 2,915 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,138 |
| Cost of funding earning assets | 0.2231% | 5,221 |
| Net interest margin | 3.2156% | 4,612 |
| Noninterest income to average assets | 1.5785% | 516 |
| Noninterest expense to average assets | 3.1101% | 2,219 |
| Loan and lease loss provision to assets | 0.0213% | 3,703 |
| Net operating income to assets | 0.9774% | 2,511 |
| Return on assets (ROA) | 0.9887% | 2,558 |
| Pretax return on assets | 1.4294% | 1,867 |
| Return on Equity (ROE) | 10.4246% | 1,881 |
| Retained earnings to average equity (ytd only) | 8.7632% | 1,000 |
| Net charge-offs to loans | -0.2489% | 6,079 |
| Credit loss provision to net charge-offs | -19.1083% | 4,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4367% | 3,603 |
| Assets per employee ($millions) | 3.4915% | 4,810 |
| Cash dividends to net income (ytd only)* | 15.9368% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4078% | 542 |
| Loan loss allowance to noncurrent loans | 88.2179% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.4882% | 1,659 |
| Noncurrent loans to loans | 2.7294% | 784 |
| Net loans and leases to total assets | 47.6962% | 5,134 |
| Net loans and leases to deposits | 59.2861% | 4,913 |
| Net loans and leases to core deposits | 60.2614% | 5,056 |
| Total domestic deposits to total assets | 80.4509% | 4,764 |
| Equity capital to assets | 9.6784% | 4,432 |
| Core capital (leverage) ratio | 9.5169% | 4,261 |
| Tier 1 risk-based capital ratio | 15.9714% | 2,873 |
| Total risk-based capital ratio | 17.2302% | 2,826 |
| Memoranda: | ||
| Average total assets | $281,793,330 | 2,289 |
| Average earning assets | $259,922,330 | 2,295 |
| Average equity | $26,725,330 | 2,589 |
| Average total loans | $126,173,000 | 2,979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2934% | 5,467 |
| Cost of funding earning assets | 0.2221% | 5,297 |
| Net interest margin | 3.0713% | 5,028 |
| Noninterest income to average assets | 1.4119% | 588 |
| Noninterest expense to average assets | 3.1036% | 2,258 |
| Loan and lease loss provision to assets | 0.0141% | 3,541 |
| Net operating income to assets | 0.7032% | 3,784 |
| Return on assets (ROA) | 0.6996% | 3,929 |
| Pretax return on assets | 1.1221% | 2,987 |
| Return on Equity (ROE) | 7.4517% | 3,244 |
| Retained earnings to average equity (ytd only) | 4.1097% | 3,539 |
| Net charge-offs to loans | -0.0165% | 4,954 |
| Credit loss provision to net charge-offs | -200.0000% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1025% | 2,977 |
| Assets per employee ($millions) | 3.6549% | 4,599 |
| Cash dividends to net income (ytd only)* | 44.8485% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6259% | 445 |
| Loan loss allowance to noncurrent loans | 83.0667% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.5536% | 1,661 |
| Noncurrent loans to loans | 3.1611% | 650 |
| Net loans and leases to total assets | 40.5191% | 5,570 |
| Net loans and leases to deposits | 47.9142% | 5,571 |
| Net loans and leases to core deposits | 48.5620% | 5,646 |
| Total domestic deposits to total assets | 84.5659% | 3,594 |
| Equity capital to assets | 9.4446% | 4,814 |
| Core capital (leverage) ratio | 8.9479% | 5,015 |
| Tier 1 risk-based capital ratio | 16.6928% | 2,598 |
| Total risk-based capital ratio | 17.9525% | 2,545 |
| Memoranda: | ||
| Average total assets | $283,029,000 | 2,297 |
| Average earning assets | $261,128,000 | 2,303 |
| Average equity | $26,571,000 | 2,622 |
| Average total loans | $121,003,000 | 3,080 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,550 |
| Cost of funding earning assets | 0.2373% | 5,451 |
| Net interest margin | 3.5440% | 3,626 |
| Noninterest income to average assets | 1.4855% | 555 |
| Noninterest expense to average assets | 3.2647% | 2,025 |
| Loan and lease loss provision to assets | 0.1281% | 2,047 |
| Net operating income to assets | 0.9840% | 2,460 |
| Return on assets (ROA) | 0.9840% | 2,540 |
| Pretax return on assets | 1.3279% | 2,150 |
| Return on Equity (ROE) | 10.2881% | 1,991 |
| Retained earnings to average equity (ytd only) | 8.9367% | 721 |
| Net charge-offs to loans | 0.0602% | 3,639 |
| Credit loss provision to net charge-offs | 434.2105% | 599 |
| Earnings coverage of net charge-offs (x) | 49.3553% | 933 |
| Efficiency ratio | 69.1580% | 3,677 |
| Assets per employee ($millions) | 3.7463% | 4,451 |
| Cash dividends to net income (ytd only)* | 13.1361% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 540 |
| Loan loss allowance to noncurrent loans | 75.0242% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.7172% | 1,554 |
| Noncurrent loans to loans | 3.3491% | 633 |
| Net loans and leases to total assets | 42.8074% | 5,558 |
| Net loans and leases to deposits | 49.9502% | 5,580 |
| Net loans and leases to core deposits | 50.7329% | 5,682 |
| Total domestic deposits to total assets | 85.7002% | 2,986 |
| Equity capital to assets | 9.3307% | 4,929 |
| Core capital (leverage) ratio | 9.4042% | 4,375 |
| Tier 1 risk-based capital ratio | 17.7631% | 2,213 |
| Total risk-based capital ratio | 19.0248% | 2,175 |
| Memoranda: | ||
| Average total assets | $257,632,200 | 2,458 |
| Average earning assets | $235,187,800 | 2,462 |
| Average equity | $24,640,000 | 2,704 |
| Average total loans | $126,250,400 | 2,937 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 4,260 |
| Cost of funding earning assets | 0.2414% | 5,494 |
| Net interest margin | 3.6331% | 3,295 |
| Noninterest income to average assets | 1.4546% | 593 |
| Noninterest expense to average assets | 3.3937% | 1,686 |
| Loan and lease loss provision to assets | 0.1271% | 1,973 |
| Net operating income to assets | 0.8430% | 3,219 |
| Return on assets (ROA) | 0.8430% | 3,309 |
| Pretax return on assets | 1.2407% | 2,610 |
| Return on Equity (ROE) | 8.7546% | 2,810 |
| Retained earnings to average equity (ytd only) | 6.9234% | 1,857 |
| Net charge-offs to loans | -0.0179% | 5,585 |
| Credit loss provision to net charge-offs | -1,411.7647% | 5,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2745% | 3,298 |
| Assets per employee ($millions) | 3.4216% | 5,011 |
| Cash dividends to net income (ytd only)* | 20.9172% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3166% | 811 |
| Loan loss allowance to noncurrent loans | 80.2223% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.7312% | 1,729 |
| Noncurrent loans to loans | 2.8878% | 938 |
| Net loans and leases to total assets | 49.6614% | 5,043 |
| Net loans and leases to deposits | 57.9614% | 5,103 |
| Net loans and leases to core deposits | 58.8361% | 5,283 |
| Total domestic deposits to total assets | 85.6801% | 3,026 |
| Equity capital to assets | 9.5500% | 4,731 |
| Core capital (leverage) ratio | 9.6694% | 4,129 |
| Tier 1 risk-based capital ratio | 16.0615% | 3,033 |
| Total risk-based capital ratio | 17.3212% | 2,978 |
| Memoranda: | ||
| Average total assets | $251,796,500 | 2,523 |
| Average earning assets | $229,184,750 | 2,547 |
| Average equity | $24,245,750 | 2,741 |
| Average total loans | $126,968,500 | 2,931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 4,278 |
| Cost of funding earning assets | 0.2432% | 5,558 |
| Net interest margin | 3.6229% | 3,267 |
| Noninterest income to average assets | 1.3416% | 667 |
| Noninterest expense to average assets | 3.3230% | 1,862 |
| Loan and lease loss provision to assets | 0.1210% | 2,031 |
| Net operating income to assets | 0.8245% | 3,212 |
| Return on assets (ROA) | 0.8245% | 3,308 |
| Pretax return on assets | 1.1908% | 2,698 |
| Return on Equity (ROE) | 8.5378% | 2,818 |
| Retained earnings to average equity (ytd only) | 7.3014% | 1,614 |
| Net charge-offs to loans | 0.0128% | 3,981 |
| Credit loss provision to net charge-offs | 1,875.0000% | 200 |
| Earnings coverage of net charge-offs (x) | 203.2500% | 324 |
| Efficiency ratio | 71.6971% | 3,394 |
| Assets per employee ($millions) | 3.2848% | 5,283 |
| Cash dividends to net income (ytd only)* | 14.4814% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 935 |
| Loan loss allowance to noncurrent loans | 85.1525% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 1,961 |
| Noncurrent loans to loans | 2.6632% | 1,140 |
| Net loans and leases to total assets | 50.9121% | 4,866 |
| Net loans and leases to deposits | 59.1814% | 4,932 |
| Net loans and leases to core deposits | 59.8567% | 5,136 |
| Total domestic deposits to total assets | 86.0272% | 3,024 |
| Equity capital to assets | 9.8324% | 4,309 |
| Core capital (leverage) ratio | 9.5901% | 4,190 |
| Tier 1 risk-based capital ratio | 15.8945% | 3,147 |
| Total risk-based capital ratio | 17.1539% | 3,080 |
| Memoranda: | ||
| Average total assets | $247,906,670 | 2,563 |
| Average earning assets | $225,342,000 | 2,588 |
| Average equity | $23,940,670 | 2,758 |
| Average total loans | $124,643,330 | 2,975 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,418 |
| Cost of funding earning assets | 0.2462% | 5,623 |
| Net interest margin | 3.5702% | 3,390 |
| Noninterest income to average assets | 1.3008% | 663 |
| Noninterest expense to average assets | 3.3073% | 1,932 |
| Loan and lease loss provision to assets | 0.0978% | 2,291 |
| Net operating income to assets | 0.7058% | 3,655 |
| Return on assets (ROA) | 0.7058% | 3,732 |
| Pretax return on assets | 1.1345% | 2,751 |
| Return on Equity (ROE) | 7.3776% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.8559% | 3,203 |
| Net charge-offs to loans | -0.0066% | 4,893 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8546% | 3,330 |
| Assets per employee ($millions) | 3.1547% | 5,588 |
| Cash dividends to net income (ytd only)* | 34.1801% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4065% | 905 |
| Loan loss allowance to noncurrent loans | 83.6594% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.6800% | 2,105 |
| Noncurrent loans to loans | 2.8766% | 1,137 |
| Net loans and leases to total assets | 47.9250% | 5,139 |
| Net loans and leases to deposits | 55.9176% | 5,121 |
| Net loans and leases to core deposits | 56.6827% | 5,304 |
| Total domestic deposits to total assets | 85.7065% | 3,511 |
| Equity capital to assets | 9.6916% | 4,234 |
| Core capital (leverage) ratio | 9.3787% | 4,463 |
| Tier 1 risk-based capital ratio | 16.6517% | 2,833 |
| Total risk-based capital ratio | 17.9121% | 2,796 |
| Memoranda: | ||
| Average total assets | $245,396,000 | 2,593 |
| Average earning assets | $222,619,000 | 2,630 |
| Average equity | $23,476,500 | 2,794 |
| Average total loans | $121,085,500 | 3,053 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7893% | 4,852 |
| Cost of funding earning assets | 0.2856% | 5,705 |
| Net interest margin | 3.5037% | 3,891 |
| Noninterest income to average assets | 1.8817% | 429 |
| Noninterest expense to average assets | 3.4723% | 1,721 |
| Loan and lease loss provision to assets | 0.2862% | 1,206 |
| Net operating income to assets | 0.9249% | 2,665 |
| Return on assets (ROA) | 0.9249% | 2,751 |
| Pretax return on assets | 1.3139% | 2,094 |
| Return on Equity (ROE) | 9.7931% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.3056% | 709 |
| Net charge-offs to loans | 0.3311% | 2,024 |
| Credit loss provision to net charge-offs | 167.0702% | 1,361 |
| Earnings coverage of net charge-offs (x) | 9.3414% | 2,522 |
| Efficiency ratio | 68.4546% | 4,111 |
| Assets per employee ($millions) | 3.2200% | 5,446 |
| Cash dividends to net income (ytd only)* | 4.9776% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3456% | 986 |
| Loan loss allowance to noncurrent loans | 76.3617% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 2,029 |
| Noncurrent loans to loans | 3.0717% | 1,123 |
| Net loans and leases to total assets | 48.4174% | 5,250 |
| Net loans and leases to deposits | 56.0407% | 5,300 |
| Net loans and leases to core deposits | 57.1586% | 5,453 |
| Total domestic deposits to total assets | 86.3968% | 3,042 |
| Equity capital to assets | 9.4413% | 4,503 |
| Core capital (leverage) ratio | 9.4986% | 4,270 |
| Tier 1 risk-based capital ratio | 16.6711% | 2,772 |
| Total risk-based capital ratio | 17.9312% | 2,724 |
| Memoranda: | ||
| Average total assets | $241,111,600 | 2,607 |
| Average earning assets | $219,566,800 | 2,623 |
| Average equity | $22,771,200 | 2,850 |
| Average total loans | $124,735,600 | 2,945 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,872 |
| Cost of funding earning assets | 0.2933% | 5,783 |
| Net interest margin | 3.5013% | 3,876 |
| Noninterest income to average assets | 2.0049% | 416 |
| Noninterest expense to average assets | 3.5279% | 1,550 |
| Loan and lease loss provision to assets | 0.3053% | 1,111 |
| Net operating income to assets | 0.8986% | 2,840 |
| Return on assets (ROA) | 0.8986% | 2,960 |
| Pretax return on assets | 1.3649% | 2,059 |
| Return on Equity (ROE) | 9.5144% | 2,392 |
| Retained earnings to average equity (ytd only) | 8.8621% | 1,097 |
| Net charge-offs to loans | 0.2208% | 2,487 |
| Credit loss provision to net charge-offs | 264.4231% | 951 |
| Earnings coverage of net charge-offs (x) | 14.4662% | 1,944 |
| Efficiency ratio | 67.8697% | 4,123 |
| Assets per employee ($millions) | 3.1296% | 5,620 |
| Cash dividends to net income (ytd only)* | 6.8563% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2921% | 1,191 |
| Loan loss allowance to noncurrent loans | 70.2292% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 1,913 |
| Noncurrent loans to loans | 3.2637% | 1,202 |
| Net loans and leases to total assets | 52.1730% | 4,857 |
| Net loans and leases to deposits | 60.4924% | 4,915 |
| Net loans and leases to core deposits | 62.7842% | 5,036 |
| Total domestic deposits to total assets | 86.2472% | 3,105 |
| Equity capital to assets | 9.6048% | 4,408 |
| Core capital (leverage) ratio | 9.5194% | 4,371 |
| Tier 1 risk-based capital ratio | 15.5794% | 3,427 |
| Total risk-based capital ratio | 16.8393% | 3,377 |
| Memoranda: | ||
| Average total assets | $240,209,000 | 2,646 |
| Average earning assets | $219,076,500 | 2,639 |
| Average equity | $22,687,750 | 2,883 |
| Average total loans | $125,586,000 | 2,950 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 5,174 |
| Cost of funding earning assets | 0.3002% | 5,829 |
| Net interest margin | 3.3893% | 4,230 |
| Noninterest income to average assets | 2.1204% | 409 |
| Noninterest expense to average assets | 3.5229% | 1,551 |
| Loan and lease loss provision to assets | 0.3486% | 957 |
| Net operating income to assets | 0.8747% | 2,934 |
| Return on assets (ROA) | 0.8747% | 3,079 |
| Pretax return on assets | 1.3502% | 2,120 |
| Return on Equity (ROE) | 9.3129% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.3129% | 1,023 |
| Net charge-offs to loans | 0.2350% | 2,309 |
| Credit loss provision to net charge-offs | 285.7143% | 898 |
| Earnings coverage of net charge-offs (x) | 13.9252% | 1,865 |
| Efficiency ratio | 67.4666% | 4,269 |
| Assets per employee ($millions) | 2.9637% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 1,344 |
| Loan loss allowance to noncurrent loans | 63.8508% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.5951% | 1,619 |
| Noncurrent loans to loans | 3.5137% | 1,205 |
| Net loans and leases to total assets | 53.5684% | 4,649 |
| Net loans and leases to deposits | 62.3833% | 4,687 |
| Net loans and leases to core deposits | 63.8615% | 4,908 |
| Total domestic deposits to total assets | 85.8699% | 3,439 |
| Equity capital to assets | 9.6403% | 4,400 |
| Core capital (leverage) ratio | 9.2363% | 4,642 |
| Tier 1 risk-based capital ratio | 15.4657% | 3,502 |
| Total risk-based capital ratio | 16.7248% | 3,451 |
| Memoranda: | ||
| Average total assets | $240,995,670 | 2,639 |
| Average earning assets | $220,515,670 | 2,635 |
| Average equity | $22,635,330 | 2,908 |
| Average total loans | $125,113,330 | 2,969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5663% | 5,539 |
| Cost of funding earning assets | 0.3052% | 5,931 |
| Net interest margin | 3.2611% | 4,678 |
| Noninterest income to average assets | 1.9747% | 438 |
| Noninterest expense to average assets | 3.2402% | 2,233 |
| Loan and lease loss provision to assets | 0.3416% | 973 |
| Net operating income to assets | 0.9304% | 2,522 |
| Return on assets (ROA) | 0.9304% | 2,659 |
| Pretax return on assets | 1.3826% | 1,915 |
| Return on Equity (ROE) | 10.0305% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.0305% | 1,098 |
| Net charge-offs to loans | -0.0354% | 5,972 |
| Credit loss provision to net charge-offs | -1,909.0909% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2687% | 4,782 |
| Assets per employee ($millions) | 3.1822% | 5,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 1,454 |
| Loan loss allowance to noncurrent loans | 53.4278% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 2.5417% | 1,805 |
| Noncurrent loans to loans | 4.2530% | 1,018 |
| Net loans and leases to total assets | 48.9701% | 5,114 |
| Net loans and leases to deposits | 56.7104% | 5,170 |
| Net loans and leases to core deposits | 58.6774% | 5,273 |
| Total domestic deposits to total assets | 86.3512% | 3,329 |
| Equity capital to assets | 9.4036% | 4,995 |
| Core capital (leverage) ratio | 8.8494% | 5,118 |
| Tier 1 risk-based capital ratio | 16.2324% | 3,137 |
| Total risk-based capital ratio | 17.4904% | 3,085 |
| Memoranda: | ||
| Average total assets | $245,910,500 | 2,623 |
| Average earning assets | $225,446,500 | 2,608 |
| Average equity | $22,810,500 | 2,945 |
| Average total loans | $124,333,000 | 3,001 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 4,508 |
| Cost of funding earning assets | 0.4059% | 5,878 |
| Net interest margin | 3.8149% | 3,164 |
| Noninterest income to average assets | 1.7114% | 555 |
| Noninterest expense to average assets | 3.4690% | 1,902 |
| Loan and lease loss provision to assets | 0.5621% | 1,012 |
| Net operating income to assets | 0.8120% | 3,235 |
| Return on assets (ROA) | 0.8120% | 3,477 |
| Pretax return on assets | 1.1629% | 2,938 |
| Return on Equity (ROE) | 8.6405% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.6405% | 930 |
| Net charge-offs to loans | 0.9376% | 1,186 |
| Credit loss provision to net charge-offs | 105.3878% | 2,825 |
| Earnings coverage of net charge-offs (x) | 3.2343% | 3,812 |
| Efficiency ratio | 66.7896% | 4,365 |
| Assets per employee ($millions) | 3.2472% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0408% | 1,913 |
| Loan loss allowance to noncurrent loans | 36.6111% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 2.9483% | 1,609 |
| Noncurrent loans to loans | 5.5742% | 661 |
| Net loans and leases to total assets | 49.9676% | 5,170 |
| Net loans and leases to deposits | 57.6506% | 5,280 |
| Net loans and leases to core deposits | 60.1209% | 5,352 |
| Total domestic deposits to total assets | 86.6732% | 3,009 |
| Equity capital to assets | 9.1491% | 5,340 |
| Core capital (leverage) ratio | 8.7639% | 5,240 |
| Tier 1 risk-based capital ratio | 15.4507% | 3,460 |
| Total risk-based capital ratio | 16.7061% | 3,416 |
| Memoranda: | ||
| Average total assets | $229,689,400 | 2,727 |
| Average earning assets | $209,678,600 | 2,740 |
| Average equity | $21,584,400 | 3,029 |
| Average total loans | $130,645,800 | 2,878 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 3,645 |
| Cost of funding earning assets | 0.4276% | 5,944 |
| Net interest margin | 4.0710% | 2,203 |
| Noninterest income to average assets | 1.5000% | 665 |
| Noninterest expense to average assets | 3.4123% | 1,970 |
| Loan and lease loss provision to assets | 0.5388% | 1,097 |
| Net operating income to assets | 0.8233% | 3,325 |
| Return on assets (ROA) | 0.8233% | 3,568 |
| Pretax return on assets | 1.2658% | 2,729 |
| Return on Equity (ROE) | 8.6988% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.6988% | 1,347 |
| Net charge-offs to loans | 0.5916% | 1,854 |
| Credit loss provision to net charge-offs | 155.7265% | 1,808 |
| Earnings coverage of net charge-offs (x) | 5.2154% | 3,076 |
| Efficiency ratio | 65.4082% | 4,556 |
| Assets per employee ($millions) | 2.9780% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0870% | 1,938 |
| Loan loss allowance to noncurrent loans | 40.7402% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 3.2206% | 1,597 |
| Noncurrent loans to loans | 5.1227% | 876 |
| Net loans and leases to total assets | 57.8807% | 4,154 |
| Net loans and leases to deposits | 67.2315% | 4,304 |
| Net loans and leases to core deposits | 70.4927% | 4,437 |
| Total domestic deposits to total assets | 86.0916% | 3,200 |
| Equity capital to assets | 9.6983% | 4,923 |
| Core capital (leverage) ratio | 9.1174% | 4,882 |
| Tier 1 risk-based capital ratio | 13.9985% | 4,521 |
| Total risk-based capital ratio | 15.2566% | 4,469 |
| Memoranda: | ||
| Average total assets | $225,414,750 | 2,801 |
| Average earning assets | $205,809,250 | 2,810 |
| Average equity | $21,335,750 | 3,088 |
| Average total loans | $131,836,500 | 2,877 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 3,838 |
| Cost of funding earning assets | 0.4411% | 6,026 |
| Net interest margin | 4.0419% | 2,331 |
| Noninterest income to average assets | 1.4564% | 687 |
| Noninterest expense to average assets | 3.3661% | 2,111 |
| Loan and lease loss provision to assets | 0.5453% | 1,133 |
| Net operating income to assets | 0.8424% | 3,184 |
| Return on assets (ROA) | 0.8424% | 3,450 |
| Pretax return on assets | 1.2333% | 2,790 |
| Return on Equity (ROE) | 8.9757% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.9757% | 1,287 |
| Net charge-offs to loans | 0.8423% | 1,316 |
| Credit loss provision to net charge-offs | 111.0909% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.6236% | 3,323 |
| Efficiency ratio | 65.4293% | 4,641 |
| Assets per employee ($millions) | 2.9782% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 2,664 |
| Loan loss allowance to noncurrent loans | 46.9941% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 2.5873% | 2,146 |
| Noncurrent loans to loans | 3.9630% | 1,398 |
| Net loans and leases to total assets | 60.4878% | 3,740 |
| Net loans and leases to deposits | 69.9121% | 3,907 |
| Net loans and leases to core deposits | 72.8592% | 4,189 |
| Total domestic deposits to total assets | 86.5198% | 3,060 |
| Equity capital to assets | 9.7070% | 4,751 |
| Core capital (leverage) ratio | 9.0491% | 4,845 |
| Tier 1 risk-based capital ratio | 13.0320% | 5,166 |
| Total risk-based capital ratio | 14.2872% | 5,137 |
| Memoranda: | ||
| Average total assets | $224,117,000 | 2,825 |
| Average earning assets | $204,508,000 | 2,827 |
| Average equity | $21,034,670 | 3,106 |
| Average total loans | $130,597,330 | 2,918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 5,074 |
| Cost of funding earning assets | 0.4647% | 6,055 |
| Net interest margin | 3.7447% | 3,616 |
| Noninterest income to average assets | 1.2063% | 987 |
| Noninterest expense to average assets | 3.3088% | 2,257 |
| Loan and lease loss provision to assets | 0.5078% | 1,193 |
| Net operating income to assets | 0.4098% | 5,211 |
| Return on assets (ROA) | 0.4098% | 5,397 |
| Pretax return on assets | 0.8072% | 4,387 |
| Return on Equity (ROE) | 4.4421% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.4421% | 3,929 |
| Net charge-offs to loans | 0.6170% | 1,553 |
| Credit loss provision to net charge-offs | 145.4082% | 1,704 |
| Earnings coverage of net charge-offs (x) | 3.7653% | 2,759 |
| Efficiency ratio | 71.5607% | 3,516 |
| Assets per employee ($millions) | 2.9659% | 6,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 2,251 |
| Loan loss allowance to noncurrent loans | 46.5350% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.7737% | 2,112 |
| Noncurrent loans to loans | 4.3751% | 1,354 |
| Net loans and leases to total assets | 56.0673% | 4,368 |
| Net loans and leases to deposits | 64.6692% | 4,543 |
| Net loans and leases to core deposits | 67.2996% | 4,758 |
| Total domestic deposits to total assets | 86.6987% | 3,118 |
| Equity capital to assets | 9.3520% | 5,027 |
| Core capital (leverage) ratio | 8.4938% | 5,607 |
| Tier 1 risk-based capital ratio | 13.3196% | 4,957 |
| Total risk-based capital ratio | 14.5767% | 4,946 |
| Memoranda: | ||
| Average total assets | $224,493,500 | 2,837 |
| Average earning assets | $204,874,000 | 2,838 |
| Average equity | $20,711,000 | 3,142 |
| Average total loans | $127,060,000 | 3,000 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 3,819 |
| Cost of funding earning assets | 0.6301% | 5,925 |
| Net interest margin | 4.1685% | 2,165 |
| Noninterest income to average assets | 1.1270% | 1,037 |
| Noninterest expense to average assets | 3.2279% | 2,776 |
| Loan and lease loss provision to assets | 1.1316% | 798 |
| Net operating income to assets | 0.3998% | 4,867 |
| Return on assets (ROA) | 0.3998% | 5,042 |
| Pretax return on assets | 0.5382% | 4,880 |
| Return on Equity (ROE) | 4.3358% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.3358% | 3,099 |
| Net charge-offs to loans | 2.2128% | 581 |
| Credit loss provision to net charge-offs | 82.3569% | 4,351 |
| Earnings coverage of net charge-offs (x) | 1.2153% | 4,870 |
| Efficiency ratio | 65.9059% | 4,791 |
| Assets per employee ($millions) | 2.9808% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 2,356 |
| Loan loss allowance to noncurrent loans | 41.5505% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 2.9253% | 2,059 |
| Noncurrent loans to loans | 4.7505% | 1,230 |
| Net loans and leases to total assets | 54.8711% | 4,901 |
| Net loans and leases to deposits | 63.7078% | 5,046 |
| Net loans and leases to core deposits | 68.5993% | 4,954 |
| Total domestic deposits to total assets | 86.1293% | 3,242 |
| Equity capital to assets | 9.1016% | 5,404 |
| Core capital (leverage) ratio | 8.5029% | 5,559 |
| Tier 1 risk-based capital ratio | 13.3792% | 4,787 |
| Total risk-based capital ratio | 14.6354% | 4,756 |
| Memoranda: | ||
| Average total assets | $217,383,200 | 2,869 |
| Average earning assets | $196,643,800 | 2,895 |
| Average equity | $20,042,400 | 3,139 |
| Average total loans | $134,987,000 | 2,898 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9094% | 3,509 |
| Cost of funding earning assets | 0.6545% | 6,012 |
| Net interest margin | 4.2548% | 1,895 |
| Noninterest income to average assets | 1.0631% | 1,188 |
| Noninterest expense to average assets | 3.2556% | 2,646 |
| Loan and lease loss provision to assets | 0.5331% | 1,852 |
| Net operating income to assets | 0.7209% | 3,503 |
| Return on assets (ROA) | 0.7209% | 3,680 |
| Pretax return on assets | 1.1145% | 2,950 |
| Return on Equity (ROE) | 7.7928% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.7928% | 1,592 |
| Net charge-offs to loans | 0.3775% | 3,217 |
| Credit loss provision to net charge-offs | 221.6495% | 1,288 |
| Earnings coverage of net charge-offs (x) | 6.8505% | 2,471 |
| Efficiency ratio | 66.3970% | 4,639 |
| Assets per employee ($millions) | 2.8909% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 1,338 |
| Loan loss allowance to noncurrent loans | 54.0182% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 3.1778% | 2,012 |
| Noncurrent loans to loans | 4.7020% | 1,371 |
| Net loans and leases to total assets | 61.9770% | 3,727 |
| Net loans and leases to deposits | 71.8827% | 4,008 |
| Net loans and leases to core deposits | 78.1528% | 3,881 |
| Total domestic deposits to total assets | 86.2197% | 3,081 |
| Equity capital to assets | 9.6640% | 4,836 |
| Core capital (leverage) ratio | 9.1835% | 4,651 |
| Tier 1 risk-based capital ratio | 12.9545% | 5,136 |
| Total risk-based capital ratio | 14.2047% | 5,098 |
| Memoranda: | ||
| Average total assets | $215,093,500 | 2,899 |
| Average earning assets | $194,126,750 | 2,933 |
| Average equity | $19,898,250 | 3,161 |
| Average total loans | $137,031,500 | 2,883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 3,389 |
| Cost of funding earning assets | 0.6721% | 6,115 |
| Net interest margin | 4.2806% | 1,733 |
| Noninterest income to average assets | 0.9575% | 1,439 |
| Noninterest expense to average assets | 3.3377% | 2,440 |
| Loan and lease loss provision to assets | 0.5128% | 1,915 |
| Net operating income to assets | 0.5678% | 4,221 |
| Return on assets (ROA) | 0.5678% | 4,345 |
| Pretax return on assets | 0.9724% | 3,350 |
| Return on Equity (ROE) | 6.2312% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.2312% | 2,274 |
| Net charge-offs to loans | 0.1433% | 4,338 |
| Credit loss provision to net charge-offs | 561.2245% | 552 |
| Earnings coverage of net charge-offs (x) | 16.2551% | 1,353 |
| Efficiency ratio | 69.2055% | 4,287 |
| Assets per employee ($millions) | 2.8095% | 6,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5471% | 1,379 |
| Loan loss allowance to noncurrent loans | 40.4743% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 4.3087% | 1,475 |
| Noncurrent loans to loans | 6.2933% | 910 |
| Net loans and leases to total assets | 63.2237% | 3,636 |
| Net loans and leases to deposits | 72.8635% | 3,972 |
| Net loans and leases to core deposits | 79.2236% | 3,896 |
| Total domestic deposits to total assets | 86.7701% | 2,873 |
| Equity capital to assets | 9.5818% | 4,685 |
| Core capital (leverage) ratio | 8.7919% | 5,062 |
| Tier 1 risk-based capital ratio | 12.5227% | 5,324 |
| Total risk-based capital ratio | 13.7857% | 5,288 |
| Memoranda: | ||
| Average total assets | $214,519,330 | 2,919 |
| Average earning assets | $193,713,000 | 2,950 |
| Average equity | $19,546,670 | 3,193 |
| Average total loans | $136,749,330 | 2,921 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 4,277 |
| Cost of funding earning assets | 0.6965% | 6,159 |
| Net interest margin | 4.0586% | 2,442 |
| Noninterest income to average assets | 0.6968% | 2,600 |
| Noninterest expense to average assets | 3.2252% | 2,798 |
| Loan and lease loss provision to assets | 0.3512% | 2,455 |
| Net operating income to assets | 0.4029% | 4,934 |
| Return on assets (ROA) | 0.4029% | 5,020 |
| Pretax return on assets | 0.7929% | 3,926 |
| Return on Equity (ROE) | 4.5358% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.5358% | 3,452 |
| Net charge-offs to loans | 0.0936% | 4,004 |
| Credit loss provision to net charge-offs | 593.7500% | 633 |
| Earnings coverage of net charge-offs (x) | 19.3438% | 1,144 |
| Efficiency ratio | 73.8156% | 3,546 |
| Assets per employee ($millions) | 2.9214% | 6,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3677% | 1,648 |
| Loan loss allowance to noncurrent loans | 38.1568% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 4.2658% | 1,535 |
| Noncurrent loans to loans | 6.2052% | 1,005 |
| Net loans and leases to total assets | 60.8084% | 4,112 |
| Net loans and leases to deposits | 70.4649% | 4,275 |
| Net loans and leases to core deposits | 76.4646% | 4,241 |
| Total domestic deposits to total assets | 86.2959% | 3,337 |
| Equity capital to assets | 8.9724% | 5,247 |
| Core capital (leverage) ratio | 8.5345% | 5,381 |
| Tier 1 risk-based capital ratio | 12.2932% | 5,443 |
| Total risk-based capital ratio | 13.5542% | 5,423 |
| Memoranda: | ||
| Average total assets | $216,423,000 | 2,916 |
| Average earning assets | $195,831,000 | 2,936 |
| Average equity | $19,225,000 | 3,230 |
| Average total loans | $136,773,000 | 2,951 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 3,601 |
| Cost of funding earning assets | 1.0122% | 5,631 |
| Net interest margin | 4.1893% | 2,230 |
| Noninterest income to average assets | 1.1328% | 1,151 |
| Noninterest expense to average assets | 3.1013% | 3,453 |
| Loan and lease loss provision to assets | 0.8702% | 1,876 |
| Net operating income to assets | 0.7728% | 2,915 |
| Return on assets (ROA) | 0.7728% | 3,038 |
| Pretax return on assets | 0.9698% | 3,028 |
| Return on Equity (ROE) | 9.0904% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.6922% | 1,456 |
| Net charge-offs to loans | 0.8807% | 2,431 |
| Credit loss provision to net charge-offs | 149.3302% | 2,432 |
| Earnings coverage of net charge-offs (x) | 3.1576% | 3,488 |
| Efficiency ratio | 62.7637% | 5,564 |
| Assets per employee ($millions) | 2.9279% | 6,253 |
| Cash dividends to net income (ytd only)* | 26.3815% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1814% | 1,907 |
| Loan loss allowance to noncurrent loans | 46.3515% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 3.4316% | 2,036 |
| Noncurrent loans to loans | 4.7063% | 1,477 |
| Net loans and leases to total assets | 62.7106% | 4,128 |
| Net loans and leases to deposits | 72.3683% | 4,453 |
| Net loans and leases to core deposits | 80.3404% | 4,164 |
| Total domestic deposits to total assets | 86.6548% | 3,004 |
| Equity capital to assets | 8.7939% | 5,442 |
| Core capital (leverage) ratio | 8.1987% | 5,826 |
| Tier 1 risk-based capital ratio | 11.9239% | 5,547 |
| Total risk-based capital ratio | 13.1829% | 5,519 |
| Memoranda: | ||
| Average total assets | $217,777,600 | 2,898 |
| Average earning assets | $197,981,000 | 2,903 |
| Average equity | $18,514,000 | 3,351 |
| Average total loans | $144,096,600 | 2,861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 3,451 |
| Cost of funding earning assets | 1.0641% | 5,625 |
| Net interest margin | 4.2160% | 2,164 |
| Noninterest income to average assets | 1.0749% | 1,239 |
| Noninterest expense to average assets | 3.1697% | 3,029 |
| Loan and lease loss provision to assets | 0.6206% | 2,455 |
| Net operating income to assets | 0.6212% | 3,787 |
| Return on assets (ROA) | 0.6212% | 3,955 |
| Pretax return on assets | 1.1220% | 2,764 |
| Return on Equity (ROE) | 7.3704% | 3,169 |
| Retained earnings to average equity (ytd only) | 4.9547% | 3,024 |
| Net charge-offs to loans | 0.5612% | 3,071 |
| Credit loss provision to net charge-offs | 165.8497% | 2,258 |
| Earnings coverage of net charge-offs (x) | 4.6569% | 2,960 |
| Efficiency ratio | 64.5258% | 5,147 |
| Assets per employee ($millions) | 2.9606% | 6,247 |
| Cash dividends to net income (ytd only)* | 32.7757% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9177% | 2,429 |
| Loan loss allowance to noncurrent loans | 51.1107% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 2.8199% | 2,578 |
| Noncurrent loans to loans | 3.7520% | 2,061 |
| Net loans and leases to total assets | 65.5310% | 3,790 |
| Net loans and leases to deposits | 75.5900% | 4,248 |
| Net loans and leases to core deposits | 85.8989% | 3,670 |
| Total domestic deposits to total assets | 86.6928% | 2,699 |
| Equity capital to assets | 8.7350% | 5,961 |
| Core capital (leverage) ratio | 8.0207% | 6,322 |
| Tier 1 risk-based capital ratio | 11.2301% | 6,161 |
| Total risk-based capital ratio | 12.4867% | 6,157 |
| Memoranda: | ||
| Average total assets | $218,056,500 | 2,945 |
| Average earning assets | $198,478,750 | 2,944 |
| Average equity | $18,379,250 | 3,413 |
| Average total loans | $145,395,750 | 2,887 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3366% | 3,279 |
| Cost of funding earning assets | 1.0946% | 5,703 |
| Net interest margin | 4.2420% | 2,008 |
| Noninterest income to average assets | 1.1189% | 1,046 |
| Noninterest expense to average assets | 3.1326% | 3,176 |
| Loan and lease loss provision to assets | 0.6568% | 2,192 |
| Net operating income to assets | 0.6660% | 3,552 |
| Return on assets (ROA) | 0.6660% | 3,697 |
| Pretax return on assets | 1.1887% | 2,450 |
| Return on Equity (ROE) | 7.9993% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.5498% | 2,581 |
| Net charge-offs to loans | 0.4715% | 3,119 |
| Credit loss provision to net charge-offs | 209.0643% | 1,860 |
| Earnings coverage of net charge-offs (x) | 5.8743% | 2,580 |
| Efficiency ratio | 62.9267% | 5,536 |
| Assets per employee ($millions) | 3.0765% | 5,985 |
| Cash dividends to net income (ytd only)* | 30.6207% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 2,500 |
| Loan loss allowance to noncurrent loans | 47.5188% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 2,438 |
| Noncurrent loans to loans | 3.9427% | 1,936 |
| Net loans and leases to total assets | 65.6620% | 3,909 |
| Net loans and leases to deposits | 75.0982% | 4,499 |
| Net loans and leases to core deposits | 85.8642% | 3,853 |
| Total domestic deposits to total assets | 87.4349% | 2,298 |
| Equity capital to assets | 8.5233% | 6,134 |
| Core capital (leverage) ratio | 8.0799% | 6,154 |
| Tier 1 risk-based capital ratio | 10.9888% | 6,241 |
| Total risk-based capital ratio | 12.2451% | 6,225 |
| Memoranda: | ||
| Average total assets | $217,714,000 | 2,966 |
| Average earning assets | $198,065,330 | 2,975 |
| Average equity | $18,126,670 | 3,441 |
| Average total loans | $145,069,330 | 2,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 3,231 |
| Cost of funding earning assets | 1.1227% | 5,788 |
| Net interest margin | 4.2401% | 1,893 |
| Noninterest income to average assets | 1.1992% | 848 |
| Noninterest expense to average assets | 3.1045% | 3,250 |
| Loan and lease loss provision to assets | 0.7692% | 1,647 |
| Net operating income to assets | 0.5560% | 4,103 |
| Return on assets (ROA) | 0.5560% | 4,246 |
| Pretax return on assets | 1.1825% | 2,429 |
| Return on Equity (ROE) | 6.7606% | 3,470 |
| Retained earnings to average equity (ytd only) | 4.2592% | 3,598 |
| Net charge-offs to loans | 0.5296% | 2,476 |
| Credit loss provision to net charge-offs | 218.4211% | 1,722 |
| Earnings coverage of net charge-offs (x) | 5.5421% | 2,379 |
| Efficiency ratio | 61.4003% | 5,928 |
| Assets per employee ($millions) | 2.9474% | 6,338 |
| Cash dividends to net income (ytd only)* | 37.0000% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 2,623 |
| Loan loss allowance to noncurrent loans | 56.2233% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.5799% | 2,825 |
| Noncurrent loans to loans | 3.2646% | 2,447 |
| Net loans and leases to total assets | 65.3477% | 4,030 |
| Net loans and leases to deposits | 74.9992% | 4,580 |
| Net loans and leases to core deposits | 85.0995% | 4,034 |
| Total domestic deposits to total assets | 87.1312% | 2,561 |
| Equity capital to assets | 8.5326% | 5,955 |
| Core capital (leverage) ratio | 7.9241% | 6,350 |
| Tier 1 risk-based capital ratio | 10.9809% | 6,178 |
| Total risk-based capital ratio | 12.2363% | 6,136 |
| Memoranda: | ||
| Average total assets | $215,816,000 | 3,038 |
| Average earning assets | $196,315,000 | 3,041 |
| Average equity | $17,750,000 | 3,532 |
| Average total loans | $143,491,500 | 3,012 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7029% | 3,095 |
| Cost of funding earning assets | 1.3634% | 6,078 |
| Net interest margin | 4.3395% | 1,601 |
| Noninterest income to average assets | 0.7540% | 2,656 |
| Noninterest expense to average assets | 3.1723% | 3,470 |
| Loan and lease loss provision to assets | 0.7121% | 2,983 |
| Net operating income to assets | 0.6005% | 3,331 |
| Return on assets (ROA) | 0.6005% | 3,407 |
| Pretax return on assets | 0.8160% | 3,192 |
| Return on Equity (ROE) | 7.3609% | 2,638 |
| Retained earnings to average equity (ytd only) | 3.4386% | 2,761 |
| Net charge-offs to loans | 0.4106% | 4,174 |
| Credit loss provision to net charge-offs | 257.8397% | 1,360 |
| Earnings coverage of net charge-offs (x) | 5.5331% | 2,565 |
| Efficiency ratio | 67.4890% | 5,101 |
| Assets per employee ($millions) | 2.9653% | 6,308 |
| Cash dividends to net income (ytd only)* | 53.2853% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 2,996 |
| Loan loss allowance to noncurrent loans | 68.6073% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 3,693 |
| Noncurrent loans to loans | 2.4376% | 3,113 |
| Net loans and leases to total assets | 65.2962% | 4,325 |
| Net loans and leases to deposits | 74.2211% | 5,002 |
| Net loans and leases to core deposits | 86.2765% | 5,494 |
| Total domestic deposits to total assets | 87.9752% | 1,983 |
| Equity capital to assets | 7.9185% | 6,655 |
| Core capital (leverage) ratio | 7.4780% | 6,810 |
| Tier 1 risk-based capital ratio | 10.1625% | 6,721 |
| Total risk-based capital ratio | 11.4159% | 6,685 |
| Memoranda: | ||
| Average total assets | $207,833,000 | 3,083 |
| Average earning assets | $189,008,600 | 3,104 |
| Average equity | $16,954,400 | 3,680 |
| Average total loans | $139,781,000 | 3,093 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0053% | 2,014 |
| Cost of funding earning assets | 1.4041% | 6,213 |
| Net interest margin | 4.6012% | 989 |
| Noninterest income to average assets | 0.7092% | 2,957 |
| Noninterest expense to average assets | 3.2614% | 3,073 |
| Loan and lease loss provision to assets | 0.3112% | 4,482 |
| Net operating income to assets | 0.8375% | 2,668 |
| Return on assets (ROA) | 0.8375% | 2,730 |
| Pretax return on assets | 1.3257% | 1,891 |
| Return on Equity (ROE) | 10.1883% | 1,850 |
| Retained earnings to average equity (ytd only) | 5.7724% | 2,063 |
| Net charge-offs to loans | 0.2421% | 4,539 |
| Credit loss provision to net charge-offs | 190.4762% | 2,380 |
| Earnings coverage of net charge-offs (x) | 10.0199% | 2,020 |
| Efficiency ratio | 66.5828% | 5,273 |
| Assets per employee ($millions) | 2.7560% | 6,723 |
| Cash dividends to net income (ytd only)* | 43.3439% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 5,252 |
| Loan loss allowance to noncurrent loans | 181.8757% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8409% | 5,410 |
| Noncurrent loans to loans | 0.6470% | 6,003 |
| Net loans and leases to total assets | 71.0713% | 3,255 |
| Net loans and leases to deposits | 81.6304% | 4,090 |
| Net loans and leases to core deposits | 94.8376% | 4,950 |
| Total domestic deposits to total assets | 87.0647% | 2,149 |
| Equity capital to assets | 8.5635% | 6,163 |
| Core capital (leverage) ratio | 7.8783% | 6,530 |
| Tier 1 risk-based capital ratio | 10.1106% | 6,871 |
| Total risk-based capital ratio | 11.2013% | 6,979 |
| Memoranda: | ||
| Average total assets | $205,674,000 | 3,131 |
| Average earning assets | $187,251,000 | 3,146 |
| Average equity | $16,907,750 | 3,720 |
| Average total loans | $138,788,750 | 3,141 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 2,194 |
| Cost of funding earning assets | 1.4320% | 6,371 |
| Net interest margin | 4.5640% | 1,028 |
| Noninterest income to average assets | 0.6313% | 3,461 |
| Noninterest expense to average assets | 3.2427% | 3,178 |
| Loan and lease loss provision to assets | 0.2812% | 4,325 |
| Net operating income to assets | 0.7748% | 2,956 |
| Return on assets (ROA) | 0.7748% | 3,058 |
| Pretax return on assets | 1.2674% | 2,114 |
| Return on Equity (ROE) | 9.5563% | 2,170 |
| Retained earnings to average equity (ytd only) | 4.1143% | 3,002 |
| Net charge-offs to loans | 0.0411% | 5,888 |
| Credit loss provision to net charge-offs | 1,035.7143% | 473 |
| Earnings coverage of net charge-offs (x) | 57.0357% | 622 |
| Efficiency ratio | 67.6786% | 5,216 |
| Assets per employee ($millions) | 2.8411% | 6,536 |
| Cash dividends to net income (ytd only)* | 56.9462% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 4,798 |
| Loan loss allowance to noncurrent loans | 62.4113% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.6347% | 3,759 |
| Noncurrent loans to loans | 1.9598% | 3,579 |
| Net loans and leases to total assets | 69.4840% | 3,822 |
| Net loans and leases to deposits | 79.0654% | 4,692 |
| Net loans and leases to core deposits | 92.2877% | 5,317 |
| Total domestic deposits to total assets | 87.8817% | 1,825 |
| Equity capital to assets | 8.2304% | 6,442 |
| Core capital (leverage) ratio | 7.6464% | 6,832 |
| Tier 1 risk-based capital ratio | 10.0658% | 6,857 |
| Total risk-based capital ratio | 11.2006% | 6,914 |
| Memoranda: | ||
| Average total assets | $206,250,000 | 3,151 |
| Average earning assets | $187,993,670 | 3,166 |
| Average equity | $16,722,000 | 3,769 |
| Average total loans | $136,160,670 | 3,228 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0167% | 2,292 |
| Cost of funding earning assets | 1.5243% | 6,328 |
| Net interest margin | 4.4924% | 1,141 |
| Noninterest income to average assets | 0.7455% | 2,628 |
| Noninterest expense to average assets | 3.2352% | 2,842 |
| Loan and lease loss provision to assets | 0.2704% | 3,797 |
| Net operating income to assets | 0.8498% | 2,910 |
| Return on assets (ROA) | 0.8498% | 3,063 |
| Pretax return on assets | 1.3385% | 2,155 |
| Return on Equity (ROE) | 10.5611% | 2,106 |
| Retained earnings to average equity (ytd only) | 3.8404% | 3,754 |
| Net charge-offs to loans | -0.0121% | 7,315 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7863% | 5,180 |
| Assets per employee ($millions) | 2.8931% | 6,427 |
| Cash dividends to net income (ytd only)* | 63.6364% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 4,626 |
| Loan loss allowance to noncurrent loans | 88.4698% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 4,265 |
| Noncurrent loans to loans | 1.3841% | 4,235 |
| Net loans and leases to total assets | 63.5881% | 5,056 |
| Net loans and leases to deposits | 72.3637% | 5,699 |
| Net loans and leases to core deposits | 82.7116% | 6,172 |
| Total domestic deposits to total assets | 87.8730% | 1,808 |
| Equity capital to assets | 8.0344% | 6,758 |
| Core capital (leverage) ratio | 7.4763% | 7,183 |
| Tier 1 risk-based capital ratio | 10.4776% | 6,419 |
| Total risk-based capital ratio | 11.5928% | 6,469 |
| Memoranda: | ||
| Average total assets | $207,096,000 | 3,156 |
| Average earning assets | $188,939,500 | 3,169 |
| Average equity | $16,665,000 | 3,800 |
| Average total loans | $132,293,500 | 3,314 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7712% | 1,787 |
| Cost of funding earning assets | 2.1400% | 5,875 |
| Net interest margin | 4.6312% | 1,094 |
| Noninterest income to average assets | 0.7093% | 3,059 |
| Noninterest expense to average assets | 3.0952% | 3,709 |
| Loan and lease loss provision to assets | 0.1844% | 5,054 |
| Net operating income to assets | 1.0635% | 2,290 |
| Return on assets (ROA) | 1.0635% | 2,199 |
| Pretax return on assets | 1.6403% | 1,287 |
| Return on Equity (ROE) | 13.3430% | 1,251 |
| Retained earnings to average equity (ytd only) | 5.3789% | 1,822 |
| Net charge-offs to loans | 0.0600% | 5,923 |
| Credit loss provision to net charge-offs | 463.2911% | 950 |
| Earnings coverage of net charge-offs (x) | 45.8481% | 812 |
| Efficiency ratio | 62.9019% | 5,797 |
| Assets per employee ($millions) | 2.8998% | 6,307 |
| Cash dividends to net income (ytd only)* | 59.6874% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 4,940 |
| Loan loss allowance to noncurrent loans | 101.2162% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0355% | 4,233 |
| Noncurrent loans to loans | 1.1342% | 4,273 |
| Net loans and leases to total assets | 62.6507% | 5,517 |
| Net loans and leases to deposits | 71.8949% | 6,070 |
| Net loans and leases to core deposits | 81.0062% | 6,535 |
| Total domestic deposits to total assets | 87.1421% | 1,868 |
| Equity capital to assets | 8.0597% | 6,764 |
| Core capital (leverage) ratio | 7.5058% | 7,200 |
| Tier 1 risk-based capital ratio | 10.4692% | 6,237 |
| Total risk-based capital ratio | 11.4964% | 6,337 |
| Memoranda: | ||
| Average total assets | $198,503,000 | 3,161 |
| Average earning assets | $180,470,600 | 3,180 |
| Average equity | $15,821,000 | 3,971 |
| Average total loans | $131,667,600 | 3,241 |