Home > First & Farmers National Bank, Inc. > Performance and Condition Ratios
First & Farmers National Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 3,057 |
| Cost of funding earning assets | 0.9466% | 3,417 |
| Net interest margin | 3.5749% | 2,014 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 2.7088% | 1,715 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8427% | 2,732 |
| Return on assets (ROA) | 0.8427% | 2,709 |
| Pretax return on assets | 1.0158% | 2,633 |
| Return on Equity (ROE) | 8.3600% | 2,929 |
| Retained earnings to average equity (ytd only) | 1.7033% | 3,651 |
| Net charge-offs to loans | -0.0305% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.9880% | 2,606 |
| Assets per employee ($millions) | 5.5195% | 3,235 |
| Cash dividends to net income (ytd only)* | 79.6296% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,003 |
| Loan loss allowance to noncurrent loans | 771.6092% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 2,633 |
| Noncurrent loans to loans | 0.1964% | 2,530 |
| Net loans and leases to total assets | 66.9800% | 2,151 |
| Net loans and leases to deposits | 77.9907% | 2,262 |
| Net loans and leases to core deposits | 88.3758% | 2,159 |
| Total domestic deposits to total assets | 85.8800% | 2,059 |
| Equity capital to assets | 10.2849% | 1,850 |
| Core capital (leverage) ratio | 10.6316% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7440% | 1,612 |
| Memoranda: | ||
| Average total assets | $640,767,000 | 1,396 |
| Average earning assets | $601,809,200 | 1,375 |
| Average equity | $64,580,200 | 1,323 |
| Average total loans | $417,001,000 | 1,432 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 3,067 |
| Cost of funding earning assets | 0.8275% | 3,457 |
| Net interest margin | 3.5935% | 2,023 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.6899% | 1,693 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8836% | 2,739 |
| Return on assets (ROA) | 0.8836% | 2,724 |
| Pretax return on assets | 1.0664% | 2,668 |
| Return on Equity (ROE) | 8.8100% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.6032% | 3,355 |
| Net charge-offs to loans | 0.0133% | 1,920 |
| Credit loss provision to net charge-offs | 670.7317% | 525 |
| Earnings coverage of net charge-offs (x) | 131.8780% | 793 |
| Efficiency ratio | 63.3390% | 2,582 |
| Assets per employee ($millions) | 5.4459% | 3,225 |
| Cash dividends to net income (ytd only)* | 59.1156% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 1,235 |
| Loan loss allowance to noncurrent loans | 763.6695% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 2,701 |
| Noncurrent loans to loans | 0.1908% | 2,599 |
| Net loans and leases to total assets | 66.1600% | 2,228 |
| Net loans and leases to deposits | 75.5876% | 2,451 |
| Net loans and leases to core deposits | 83.3790% | 2,365 |
| Total domestic deposits to total assets | 87.5300% | 1,731 |
| Equity capital to assets | 9.8663% | 1,903 |
| Core capital (leverage) ratio | 10.7700% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0153% | 1,558 |
| Memoranda: | ||
| Average total assets | $638,132,250 | 1,394 |
| Average earning assets | $598,873,000 | 1,382 |
| Average equity | $63,978,750 | 1,320 |
| Average total loans | $410,510,250 | 1,446 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 3,067 |
| Cost of funding earning assets | 0.7347% | 3,391 |
| Net interest margin | 3.5819% | 2,079 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.7545% | 1,514 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8228% | 3,010 |
| Return on assets (ROA) | 0.8228% | 3,018 |
| Pretax return on assets | 0.9823% | 2,965 |
| Return on Equity (ROE) | 8.1600% | 3,198 |
| Retained earnings to average equity (ytd only) | 1.9292% | 3,738 |
| Net charge-offs to loans | 0.0104% | 1,810 |
| Credit loss provision to net charge-offs | 833.3333% | 463 |
| Earnings coverage of net charge-offs (x) | 158.4762% | 725 |
| Efficiency ratio | 65.3522% | 2,329 |
| Assets per employee ($millions) | 5.5553% | 3,099 |
| Cash dividends to net income (ytd only)* | 76.3650% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,235 |
| Loan loss allowance to noncurrent loans | 579.8131% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 2,386 |
| Noncurrent loans to loans | 0.2555% | 2,241 |
| Net loans and leases to total assets | 64.5700% | 2,326 |
| Net loans and leases to deposits | 73.7314% | 2,522 |
| Net loans and leases to core deposits | 79.4737% | 2,510 |
| Total domestic deposits to total assets | 87.5800% | 1,756 |
| Equity capital to assets | 10.0815% | 1,810 |
| Core capital (leverage) ratio | 10.5478% | 2,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9899% | 1,579 |
| Memoranda: | ||
| Average total assets | $636,638,333 | 1,398 |
| Average earning assets | $597,002,000 | 1,386 |
| Average equity | $64,171,000 | 1,316 |
| Average total loans | $403,533,000 | 1,448 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,076 |
| Cost of funding earning assets | 0.6527% | 3,211 |
| Net interest margin | 3.5314% | 2,282 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 2.4975% | 2,250 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9869% | 2,572 |
| Return on assets (ROA) | 0.9869% | 2,538 |
| Pretax return on assets | 1.1959% | 2,431 |
| Return on Equity (ROE) | 9.7900% | 2,854 |
| Retained earnings to average equity (ytd only) | -2.6978% | 4,233 |
| Net charge-offs to loans | 0.0131% | 1,465 |
| Credit loss provision to net charge-offs | 576.9231% | 519 |
| Earnings coverage of net charge-offs (x) | 151.9231% | 608 |
| Efficiency ratio | 59.4986% | 3,017 |
| Assets per employee ($millions) | 5.6240% | 3,100 |
| Cash dividends to net income (ytd only)* | 127.5510% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 1,171 |
| Loan loss allowance to noncurrent loans | 1,462.4402% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,149 |
| Noncurrent loans to loans | 0.1047% | 3,015 |
| Net loans and leases to total assets | 60.7600% | 2,576 |
| Net loans and leases to deposits | 68.9269% | 2,698 |
| Net loans and leases to core deposits | 75.1670% | 2,588 |
| Total domestic deposits to total assets | 88.1500% | 1,875 |
| Equity capital to assets | 9.9447% | 1,845 |
| Core capital (leverage) ratio | 10.2350% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1998% | 1,576 |
| Memoranda: | ||
| Average total assets | $635,527,000 | 1,421 |
| Average earning assets | $595,676,000 | 1,409 |
| Average equity | $64,053,000 | 1,332 |
| Average total loans | $395,925,500 | 1,483 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 2,356 |
| Cost of funding earning assets | 0.2801% | 3,042 |
| Net interest margin | 3.4882% | 1,960 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.5333% | 2,016 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.9821% | 2,633 |
| Return on assets (ROA) | 0.9821% | 2,584 |
| Pretax return on assets | 1.1714% | 2,529 |
| Return on Equity (ROE) | 9.2600% | 3,047 |
| Retained earnings to average equity (ytd only) | 3.1904% | 3,670 |
| Net charge-offs to loans | 0.0081% | 2,089 |
| Credit loss provision to net charge-offs | 833.3333% | 481 |
| Earnings coverage of net charge-offs (x) | 254.0333% | 546 |
| Efficiency ratio | 60.3259% | 3,010 |
| Assets per employee ($millions) | 5.3359% | 3,379 |
| Cash dividends to net income (ytd only)* | 65.5340% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,299 |
| Loan loss allowance to noncurrent loans | 1,157.3441% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,003 |
| Noncurrent loans to loans | 0.1265% | 2,881 |
| Net loans and leases to total assets | 61.9900% | 2,443 |
| Net loans and leases to deposits | 72.4324% | 2,375 |
| Net loans and leases to core deposits | 77.0837% | 2,346 |
| Total domestic deposits to total assets | 85.5800% | 2,836 |
| Equity capital to assets | 10.2176% | 1,600 |
| Core capital (leverage) ratio | 10.6398% | 2,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5264% | 1,470 |
| Memoranda: | ||
| Average total assets | $629,246,600 | 1,421 |
| Average earning assets | $590,100,600 | 1,408 |
| Average equity | $66,763,600 | 1,297 |
| Average total loans | $372,506,800 | 1,484 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 2,151 |
| Cost of funding earning assets | 0.2523% | 2,674 |
| Net interest margin | 3.4126% | 1,935 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.5565% | 1,838 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9193% | 2,798 |
| Return on assets (ROA) | 0.9193% | 2,765 |
| Pretax return on assets | 1.0868% | 2,762 |
| Return on Equity (ROE) | 8.5900% | 3,146 |
| Retained earnings to average equity (ytd only) | 5.1292% | 3,054 |
| Net charge-offs to loans | 0.0552% | 933 |
| Credit loss provision to net charge-offs | 82.2368% | 1,413 |
| Earnings coverage of net charge-offs (x) | 34.6316% | 1,450 |
| Efficiency ratio | 62.2025% | 2,803 |
| Assets per employee ($millions) | 5.4645% | 3,262 |
| Cash dividends to net income (ytd only)* | 40.2576% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4278% | 1,516 |
| Loan loss allowance to noncurrent loans | 1,429.6104% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,276 |
| Noncurrent loans to loans | 0.0999% | 3,163 |
| Net loans and leases to total assets | 60.4700% | 2,451 |
| Net loans and leases to deposits | 70.1310% | 2,350 |
| Net loans and leases to core deposits | 73.8939% | 2,356 |
| Total domestic deposits to total assets | 86.2200% | 3,015 |
| Equity capital to assets | 10.0775% | 1,578 |
| Core capital (leverage) ratio | 10.5607% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5430% | 1,553 |
| Memoranda: | ||
| Average total assets | $630,484,250 | 1,428 |
| Average earning assets | $591,948,000 | 1,411 |
| Average equity | $67,507,500 | 1,301 |
| Average total loans | $367,443,750 | 1,489 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5783% | 1,910 |
| Cost of funding earning assets | 0.2437% | 2,347 |
| Net interest margin | 3.3346% | 1,807 |
| Noninterest income to average assets | 0.4566% | 2,411 |
| Noninterest expense to average assets | 2.5632% | 1,747 |
| Loan and lease loss provision to assets | 0.0317% | 2,022 |
| Net operating income to assets | 0.8407% | 2,814 |
| Return on assets (ROA) | 0.8407% | 2,788 |
| Pretax return on assets | 0.9966% | 2,749 |
| Return on Equity (ROE) | 7.7010% | 3,101 |
| Retained earnings to average equity (ytd only) | 2.6212% | 3,571 |
| Net charge-offs to loans | 0.0742% | 717 |
| Credit loss provision to net charge-offs | 74.6269% | 1,412 |
| Earnings coverage of net charge-offs (x) | 24.2164% | 1,479 |
| Efficiency ratio | 63.7551% | 2,799 |
| Assets per employee ($millions) | 5.3705% | 3,372 |
| Cash dividends to net income (ytd only)* | 65.9631% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 1,411 |
| Loan loss allowance to noncurrent loans | 718.6928% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 2,855 |
| Noncurrent loans to loans | 0.2084% | 2,673 |
| Net loans and leases to total assets | 57.5482% | 2,576 |
| Net loans and leases to deposits | 66.4054% | 2,513 |
| Net loans and leases to core deposits | 69.9121% | 2,496 |
| Total domestic deposits to total assets | 86.6620% | 3,051 |
| Equity capital to assets | 10.2410% | 1,568 |
| Core capital (leverage) ratio | 10.2239% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7458% | 1,499 |
| Memoranda: | ||
| Average total assets | $631,173,000 | 1,429 |
| Average earning assets | $593,359,333 | 1,425 |
| Average equity | $68,900,333 | 1,308 |
| Average total loans | $361,426,333 | 1,497 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 1,766 |
| Cost of funding earning assets | 0.2396% | 2,270 |
| Net interest margin | 3.2744% | 1,632 |
| Noninterest income to average assets | 0.4527% | 2,384 |
| Noninterest expense to average assets | 2.5407% | 1,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8416% | 2,517 |
| Return on assets (ROA) | 0.8416% | 2,510 |
| Pretax return on assets | 0.9972% | 2,449 |
| Return on Equity (ROE) | 7.4800% | 2,874 |
| Retained earnings to average equity (ytd only) | -0.9498% | 4,137 |
| Net charge-offs to loans | 0.1339% | 422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 13.1417% | 1,400 |
| Efficiency ratio | 64.0929% | 3,012 |
| Assets per employee ($millions) | 5.3331% | 3,462 |
| Cash dividends to net income (ytd only)* | 112.6972% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 1,565 |
| Loan loss allowance to noncurrent loans | 1,106.5440% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,300 |
| Noncurrent loans to loans | 0.1350% | 3,134 |
| Net loans and leases to total assets | 56.2204% | 2,510 |
| Net loans and leases to deposits | 66.2044% | 2,320 |
| Net loans and leases to core deposits | 69.5453% | 2,331 |
| Total domestic deposits to total assets | 84.9194% | 3,555 |
| Equity capital to assets | 10.7152% | 1,480 |
| Core capital (leverage) ratio | 10.0552% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5285% | 1,638 |
| Memoranda: | ||
| Average total assets | $632,586,500 | 1,428 |
| Average earning assets | $596,021,000 | 1,421 |
| Average equity | $71,176,000 | 1,312 |
| Average total loans | $358,589,500 | 1,495 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 1,251 |
| Cost of funding earning assets | 0.3058% | 2,351 |
| Net interest margin | 3.7414% | 1,119 |
| Noninterest income to average assets | 0.5568% | 2,330 |
| Noninterest expense to average assets | 2.6877% | 1,663 |
| Loan and lease loss provision to assets | 0.0082% | 2,919 |
| Net operating income to assets | 1.1232% | 2,198 |
| Return on assets (ROA) | 1.1232% | 2,258 |
| Pretax return on assets | 1.3667% | 2,154 |
| Return on Equity (ROE) | 9.1613% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.4180% | 3,449 |
| Net charge-offs to loans | -0.0700% | 4,460 |
| Credit loss provision to net charge-offs | -20.4918% | 3,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2003% | 3,269 |
| Assets per employee ($millions) | 5.0850% | 3,658 |
| Cash dividends to net income (ytd only)* | 62.6914% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 1,369 |
| Loan loss allowance to noncurrent loans | 1,106.2000% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 3,395 |
| Noncurrent loans to loans | 0.1409% | 3,232 |
| Net loans and leases to total assets | 55.4198% | 2,692 |
| Net loans and leases to deposits | 64.4546% | 2,648 |
| Net loans and leases to core deposits | 67.7234% | 2,677 |
| Total domestic deposits to total assets | 85.9827% | 2,914 |
| Equity capital to assets | 11.7914% | 1,349 |
| Core capital (leverage) ratio | 10.0493% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6590% | 1,630 |
| Memoranda: | ||
| Average total assets | $610,670,600 | 1,429 |
| Average earning assets | $572,221,000 | 1,428 |
| Average equity | $74,869,200 | 1,276 |
| Average total loans | $348,568,600 | 1,524 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 1,189 |
| Cost of funding earning assets | 0.3215% | 2,392 |
| Net interest margin | 3.8255% | 1,068 |
| Noninterest income to average assets | 0.5844% | 2,276 |
| Noninterest expense to average assets | 2.7221% | 1,530 |
| Loan and lease loss provision to assets | 0.0111% | 2,769 |
| Net operating income to assets | 1.1730% | 2,259 |
| Return on assets (ROA) | 1.1730% | 2,321 |
| Pretax return on assets | 1.4317% | 2,209 |
| Return on Equity (ROE) | 9.4736% | 2,943 |
| Retained earnings to average equity (ytd only) | 6.8070% | 2,490 |
| Net charge-offs to loans | -0.0315% | 4,150 |
| Credit loss provision to net charge-offs | -60.9756% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5148% | 3,193 |
| Assets per employee ($millions) | 4.8560% | 3,837 |
| Cash dividends to net income (ytd only)* | 28.1479% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5211% | 1,548 |
| Loan loss allowance to noncurrent loans | 958.7500% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,503 |
| Noncurrent loans to loans | 0.1587% | 3,332 |
| Net loans and leases to total assets | 55.4888% | 2,791 |
| Net loans and leases to deposits | 65.8435% | 2,640 |
| Net loans and leases to core deposits | 69.2233% | 2,663 |
| Total domestic deposits to total assets | 84.2738% | 3,381 |
| Equity capital to assets | 12.3312% | 1,247 |
| Core capital (leverage) ratio | 10.4064% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1512% | 1,579 |
| Memoranda: | ||
| Average total assets | $605,704,500 | 1,454 |
| Average earning assets | $566,878,500 | 1,456 |
| Average equity | $74,999,250 | 1,292 |
| Average total loans | $346,967,750 | 1,559 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 1,407 |
| Cost of funding earning assets | 0.3475% | 2,335 |
| Net interest margin | 3.7216% | 1,294 |
| Noninterest income to average assets | 0.4973% | 2,631 |
| Noninterest expense to average assets | 2.7692% | 1,422 |
| Loan and lease loss provision to assets | 0.0167% | 2,620 |
| Net operating income to assets | 0.9917% | 2,915 |
| Return on assets (ROA) | 0.9917% | 3,001 |
| Pretax return on assets | 1.1880% | 2,945 |
| Return on Equity (ROE) | 7.9973% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.9569% | 3,530 |
| Net charge-offs to loans | -0.0562% | 4,427 |
| Credit loss provision to net charge-offs | -51.5464% | 2,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4307% | 2,672 |
| Assets per employee ($millions) | 4.7869% | 3,852 |
| Cash dividends to net income (ytd only)* | 50.5221% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,391 |
| Loan loss allowance to noncurrent loans | 626.7753% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 3,268 |
| Noncurrent loans to loans | 0.2488% | 3,057 |
| Net loans and leases to total assets | 55.0374% | 3,013 |
| Net loans and leases to deposits | 64.7726% | 2,922 |
| Net loans and leases to core deposits | 68.1562% | 2,949 |
| Total domestic deposits to total assets | 84.9702% | 3,107 |
| Equity capital to assets | 12.1641% | 1,293 |
| Core capital (leverage) ratio | 10.0520% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8265% | 1,682 |
| Memoranda: | ||
| Average total assets | $598,797,000 | 1,462 |
| Average earning assets | $559,384,667 | 1,461 |
| Average equity | $74,250,333 | 1,296 |
| Average total loans | $344,968,333 | 1,575 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8514% | 1,954 |
| Cost of funding earning assets | 0.3709% | 2,347 |
| Net interest margin | 3.4805% | 1,881 |
| Noninterest income to average assets | 0.4995% | 2,615 |
| Noninterest expense to average assets | 2.8549% | 1,244 |
| Loan and lease loss provision to assets | 0.0339% | 2,325 |
| Net operating income to assets | 0.7451% | 3,585 |
| Return on assets (ROA) | 0.7451% | 3,658 |
| Pretax return on assets | 0.8584% | 3,699 |
| Return on Equity (ROE) | 5.9497% | 3,871 |
| Retained earnings to average equity (ytd only) | -2.1783% | 4,551 |
| Net charge-offs to loans | -0.1079% | 4,661 |
| Credit loss provision to net charge-offs | -53.7634% | 2,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3629% | 1,884 |
| Assets per employee ($millions) | 4.6577% | 3,977 |
| Cash dividends to net income (ytd only)* | 136.6120% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 1,404 |
| Loan loss allowance to noncurrent loans | 510.4364% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,306 |
| Noncurrent loans to loans | 0.3051% | 3,002 |
| Net loans and leases to total assets | 55.7317% | 3,073 |
| Net loans and leases to deposits | 65.3783% | 2,993 |
| Net loans and leases to core deposits | 68.7817% | 2,988 |
| Total domestic deposits to total assets | 85.2449% | 3,015 |
| Equity capital to assets | 11.9547% | 1,310 |
| Core capital (leverage) ratio | 10.1496% | 2,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3914% | 1,776 |
| Memoranda: | ||
| Average total assets | $589,442,000 | 1,471 |
| Average earning assets | $550,035,000 | 1,469 |
| Average equity | $73,818,500 | 1,296 |
| Average total loans | $344,830,500 | 1,578 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 1,928 |
| Cost of funding earning assets | 0.5508% | 2,608 |
| Net interest margin | 3.7291% | 1,709 |
| Noninterest income to average assets | 0.5209% | 2,543 |
| Noninterest expense to average assets | 2.9455% | 1,557 |
| Loan and lease loss provision to assets | 0.1314% | 2,719 |
| Net operating income to assets | 0.8137% | 3,037 |
| Return on assets (ROA) | 0.8264% | 3,115 |
| Pretax return on assets | 0.9133% | 3,331 |
| Return on Equity (ROE) | 6.2692% | 3,498 |
| Retained earnings to average equity (ytd only) | 2.8321% | 3,455 |
| Net charge-offs to loans | -0.0354% | 4,590 |
| Credit loss provision to net charge-offs | -619.6581% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2139% | 2,497 |
| Assets per employee ($millions) | 4.2762% | 4,147 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,509 |
| Loan loss allowance to noncurrent loans | 470.5301% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,271 |
| Noncurrent loans to loans | 0.3233% | 3,046 |
| Net loans and leases to total assets | 59.6056% | 2,910 |
| Net loans and leases to deposits | 70.7922% | 2,795 |
| Net loans and leases to core deposits | 74.8058% | 2,836 |
| Total domestic deposits to total assets | 84.1979% | 3,049 |
| Equity capital to assets | 13.1336% | 1,050 |
| Core capital (leverage) ratio | 10.4280% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3684% | 1,722 |
| Memoranda: | ||
| Average total assets | $551,764,400 | 1,428 |
| Average earning assets | $511,220,000 | 1,430 |
| Average equity | $72,736,600 | 1,256 |
| Average total loans | $330,362,000 | 1,575 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,226 |
| Cost of funding earning assets | 0.5945% | 2,648 |
| Net interest margin | 3.6637% | 2,047 |
| Noninterest income to average assets | 0.4917% | 2,644 |
| Noninterest expense to average assets | 2.9611% | 1,527 |
| Loan and lease loss provision to assets | 0.1401% | 2,618 |
| Net operating income to assets | 0.7111% | 3,426 |
| Return on assets (ROA) | 0.7284% | 3,458 |
| Pretax return on assets | 0.7995% | 3,649 |
| Return on Equity (ROE) | 5.5198% | 3,716 |
| Retained earnings to average equity (ytd only) | 4.5971% | 2,746 |
| Net charge-offs to loans | 0.0061% | 2,920 |
| Credit loss provision to net charge-offs | 3,833.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 405 |
| Efficiency ratio | 68.1619% | 2,164 |
| Assets per employee ($millions) | 4.2333% | 4,110 |
| Cash dividends to net income (ytd only)* | 16.7168% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 1,617 |
| Loan loss allowance to noncurrent loans | 311.6352% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 3,052 |
| Noncurrent loans to loans | 0.4582% | 2,673 |
| Net loans and leases to total assets | 59.8498% | 3,245 |
| Net loans and leases to deposits | 72.5828% | 3,081 |
| Net loans and leases to core deposits | 76.8969% | 3,102 |
| Total domestic deposits to total assets | 82.4573% | 3,298 |
| Equity capital to assets | 13.2463% | 1,083 |
| Core capital (leverage) ratio | 10.4411% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5668% | 1,629 |
| Memoranda: | ||
| Average total assets | $547,523,000 | 1,425 |
| Average earning assets | $506,616,500 | 1,422 |
| Average equity | $72,247,000 | 1,244 |
| Average total loans | $326,894,500 | 1,586 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 2,508 |
| Cost of funding earning assets | 0.6565% | 2,652 |
| Net interest margin | 3.6300% | 2,380 |
| Noninterest income to average assets | 0.4786% | 2,660 |
| Noninterest expense to average assets | 2.9941% | 1,583 |
| Loan and lease loss provision to assets | 0.1297% | 2,723 |
| Net operating income to assets | 0.6499% | 3,581 |
| Return on assets (ROA) | 0.6765% | 3,581 |
| Pretax return on assets | 0.7329% | 3,789 |
| Return on Equity (ROE) | 5.1340% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.7274% | 3,049 |
| Net charge-offs to loans | 0.0075% | 2,683 |
| Credit loss provision to net charge-offs | 2,916.6667% | 371 |
| Earnings coverage of net charge-offs (x) | 187.4167% | 476 |
| Efficiency ratio | 69.8625% | 1,977 |
| Assets per employee ($millions) | 3.8866% | 4,404 |
| Cash dividends to net income (ytd only)* | 27.3973% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 1,532 |
| Loan loss allowance to noncurrent loans | 232.1236% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 2,856 |
| Noncurrent loans to loans | 0.6101% | 2,328 |
| Net loans and leases to total assets | 58.0613% | 3,505 |
| Net loans and leases to deposits | 69.3713% | 3,472 |
| Net loans and leases to core deposits | 73.7113% | 3,480 |
| Total domestic deposits to total assets | 83.6964% | 2,851 |
| Equity capital to assets | 13.1094% | 1,118 |
| Core capital (leverage) ratio | 10.5066% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6313% | 1,590 |
| Memoranda: | ||
| Average total assets | $539,530,000 | 1,418 |
| Average earning assets | $497,792,000 | 1,422 |
| Average equity | $71,095,000 | 1,251 |
| Average total loans | $320,193,333 | 1,592 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4186% | 2,550 |
| Cost of funding earning assets | 0.7232% | 2,817 |
| Net interest margin | 3.6954% | 2,341 |
| Noninterest income to average assets | 0.5236% | 2,424 |
| Noninterest expense to average assets | 3.0915% | 1,661 |
| Loan and lease loss provision to assets | 0.0381% | 3,296 |
| Net operating income to assets | 0.7261% | 3,182 |
| Return on assets (ROA) | 0.7261% | 3,269 |
| Pretax return on assets | 0.7930% | 3,430 |
| Return on Equity (ROE) | 5.4947% | 3,476 |
| Retained earnings to average equity (ytd only) | 5.4947% | 2,071 |
| Net charge-offs to loans | 0.0026% | 2,504 |
| Credit loss provision to net charge-offs | 2,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 546.0000% | 109 |
| Efficiency ratio | 70.4307% | 2,290 |
| Assets per employee ($millions) | 3.7013% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,712 |
| Loan loss allowance to noncurrent loans | 196.7671% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 2,766 |
| Noncurrent loans to loans | 0.7099% | 2,228 |
| Net loans and leases to total assets | 59.2515% | 3,569 |
| Net loans and leases to deposits | 70.4009% | 3,559 |
| Net loans and leases to core deposits | 75.3724% | 3,539 |
| Total domestic deposits to total assets | 84.1629% | 2,727 |
| Equity capital to assets | 12.9932% | 1,434 |
| Core capital (leverage) ratio | 11.0006% | 2,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6922% | 1,687 |
| Memoranda: | ||
| Average total assets | $525,575,000 | 1,406 |
| Average earning assets | $483,411,500 | 1,414 |
| Average equity | $69,448,500 | 1,267 |
| Average total loans | $313,192,000 | 1,588 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 3,108 |
| Cost of funding earning assets | 0.7530% | 2,899 |
| Net interest margin | 3.7002% | 2,817 |
| Noninterest income to average assets | 0.5470% | 2,506 |
| Noninterest expense to average assets | 3.2243% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6179% | 4,105 |
| Return on assets (ROA) | 0.6179% | 4,169 |
| Pretax return on assets | 0.7184% | 4,165 |
| Return on Equity (ROE) | 4.6793% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.1742% | 4,325 |
| Net charge-offs to loans | -0.0246% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3356% | 1,682 |
| Assets per employee ($millions) | 3.5744% | 4,403 |
| Cash dividends to net income (ytd only)* | 74.9064% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 1,434 |
| Loan loss allowance to noncurrent loans | 206.1445% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 2,725 |
| Noncurrent loans to loans | 0.6915% | 2,156 |
| Net loans and leases to total assets | 58.2405% | 3,752 |
| Net loans and leases to deposits | 70.0983% | 3,661 |
| Net loans and leases to core deposits | 75.6976% | 3,595 |
| Total domestic deposits to total assets | 83.0840% | 3,161 |
| Equity capital to assets | 13.4375% | 1,307 |
| Core capital (leverage) ratio | 10.7743% | 2,695 |
| Tier 1 risk-based capital ratio | 14.6384% | 2,937 |
| Total risk-based capital ratio | 15.7851% | 2,909 |
| Memoranda: | ||
| Average total assets | $518,504,600 | 1,378 |
| Average earning assets | $475,841,800 | 1,397 |
| Average equity | $68,472,000 | 1,238 |
| Average total loans | $305,421,400 | 1,583 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 3,289 |
| Cost of funding earning assets | 0.7354% | 3,035 |
| Net interest margin | 3.6842% | 2,971 |
| Noninterest income to average assets | 0.5344% | 2,540 |
| Noninterest expense to average assets | 3.3202% | 1,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5066% | 4,503 |
| Return on assets (ROA) | 0.5066% | 4,549 |
| Pretax return on assets | 0.5937% | 4,552 |
| Return on Equity (ROE) | 3.8534% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.1108% | 4,541 |
| Net charge-offs to loans | 0.0263% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 38.4158% | 1,409 |
| Efficiency ratio | 76.3096% | 1,294 |
| Assets per employee ($millions) | 3.5726% | 4,428 |
| Cash dividends to net income (ytd only)* | 71.1744% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 1,629 |
| Loan loss allowance to noncurrent loans | 112.9374% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 1,883 |
| Noncurrent loans to loans | 1.2272% | 1,271 |
| Net loans and leases to total assets | 57.7156% | 3,905 |
| Net loans and leases to deposits | 68.9211% | 3,848 |
| Net loans and leases to core deposits | 74.7258% | 3,785 |
| Total domestic deposits to total assets | 83.7415% | 2,917 |
| Equity capital to assets | 13.3670% | 1,426 |
| Core capital (leverage) ratio | 10.7840% | 2,857 |
| Tier 1 risk-based capital ratio | 14.5313% | 3,061 |
| Total risk-based capital ratio | 15.6444% | 3,039 |
| Memoranda: | ||
| Average total assets | $517,664,000 | 1,386 |
| Average earning assets | $474,847,000 | 1,400 |
| Average equity | $68,058,500 | 1,242 |
| Average total loans | $304,693,500 | 1,594 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4423% | 3,206 |
| Cost of funding earning assets | 0.7067% | 3,134 |
| Net interest margin | 3.7356% | 2,812 |
| Noninterest income to average assets | 0.5295% | 2,507 |
| Noninterest expense to average assets | 3.1582% | 1,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6351% | 4,208 |
| Return on assets (ROA) | 0.6351% | 4,254 |
| Pretax return on assets | 0.7963% | 4,103 |
| Return on Equity (ROE) | 4.8586% | 4,374 |
| Retained earnings to average equity (ytd only) | 0.7009% | 4,511 |
| Net charge-offs to loans | 0.0178% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 75.9630% | 846 |
| Efficiency ratio | 71.3921% | 2,004 |
| Assets per employee ($millions) | 3.5008% | 4,496 |
| Cash dividends to net income (ytd only)* | 85.5746% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 1,471 |
| Loan loss allowance to noncurrent loans | 207.3913% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,905 |
| Noncurrent loans to loans | 0.6924% | 2,240 |
| Net loans and leases to total assets | 56.8727% | 4,019 |
| Net loans and leases to deposits | 67.3228% | 4,007 |
| Net loans and leases to core deposits | 73.1804% | 3,934 |
| Total domestic deposits to total assets | 84.4777% | 2,694 |
| Equity capital to assets | 13.3535% | 1,403 |
| Core capital (leverage) ratio | 10.8497% | 2,745 |
| Tier 1 risk-based capital ratio | 14.6716% | 2,984 |
| Total risk-based capital ratio | 15.8167% | 2,955 |
| Memoranda: | ||
| Average total assets | $515,163,670 | 1,390 |
| Average earning assets | $472,323,670 | 1,409 |
| Average equity | $67,345,000 | 1,247 |
| Average total loans | $303,804,000 | 1,602 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3887% | 3,276 |
| Cost of funding earning assets | 0.6791% | 3,156 |
| Net interest margin | 3.7096% | 2,856 |
| Noninterest income to average assets | 0.5054% | 2,524 |
| Noninterest expense to average assets | 3.1467% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5108% | 4,489 |
| Return on assets (ROA) | 0.5108% | 4,513 |
| Pretax return on assets | 0.7616% | 4,144 |
| Return on Equity (ROE) | 3.9504% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.9504% | 3,329 |
| Net charge-offs to loans | 0.0052% | 2,519 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 244.5000% | 328 |
| Efficiency ratio | 71.9068% | 2,051 |
| Assets per employee ($millions) | 3.5136% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,624 |
| Loan loss allowance to noncurrent loans | 199.0775% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 2,908 |
| Noncurrent loans to loans | 0.7103% | 2,251 |
| Net loans and leases to total assets | 58.2621% | 3,856 |
| Net loans and leases to deposits | 68.7005% | 3,867 |
| Net loans and leases to core deposits | 74.5250% | 3,767 |
| Total domestic deposits to total assets | 84.8059% | 2,747 |
| Equity capital to assets | 13.0663% | 1,413 |
| Core capital (leverage) ratio | 10.9836% | 2,591 |
| Tier 1 risk-based capital ratio | 14.2802% | 3,202 |
| Total risk-based capital ratio | 15.4010% | 3,192 |
| Memoranda: | ||
| Average total assets | $513,685,500 | 1,404 |
| Average earning assets | $471,213,500 | 1,416 |
| Average equity | $66,424,000 | 1,258 |
| Average total loans | $306,225,000 | 1,603 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 1,567 |
| Cost of funding earning assets | 0.4970% | 3,379 |
| Net interest margin | 4.2935% | 1,175 |
| Noninterest income to average assets | 0.5528% | 2,532 |
| Noninterest expense to average assets | 3.2311% | 1,476 |
| Loan and lease loss provision to assets | 0.0512% | 3,160 |
| Net operating income to assets | 1.0728% | 2,709 |
| Return on assets (ROA) | 1.0428% | 2,817 |
| Pretax return on assets | 1.1822% | 2,952 |
| Return on Equity (ROE) | 8.0169% | 3,434 |
| Retained earnings to average equity (ytd only) | -1.2153% | 5,091 |
| Net charge-offs to loans | -0.0127% | 4,561 |
| Credit loss provision to net charge-offs | -702.7027% | 4,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2729% | 3,146 |
| Assets per employee ($millions) | 3.4753% | 4,573 |
| Cash dividends to net income (ytd only)* | 115.1595% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,614 |
| Loan loss allowance to noncurrent loans | 192.5134% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 2,798 |
| Noncurrent loans to loans | 0.7304% | 2,164 |
| Net loans and leases to total assets | 59.2890% | 3,840 |
| Net loans and leases to deposits | 71.4247% | 3,717 |
| Net loans and leases to core deposits | 76.9695% | 3,645 |
| Total domestic deposits to total assets | 83.0091% | 3,324 |
| Equity capital to assets | 12.7939% | 1,440 |
| Core capital (leverage) ratio | 10.7156% | 2,822 |
| Tier 1 risk-based capital ratio | 13.8864% | 3,338 |
| Total risk-based capital ratio | 15.0078% | 3,337 |
| Memoranda: | ||
| Average total assets | $507,962,800 | 1,391 |
| Average earning assets | $466,816,800 | 1,397 |
| Average equity | $66,073,000 | 1,220 |
| Average total loans | $292,155,800 | 1,628 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 1,188 |
| Cost of funding earning assets | 0.4671% | 3,408 |
| Net interest margin | 4.4210% | 863 |
| Noninterest income to average assets | 0.5615% | 2,514 |
| Noninterest expense to average assets | 3.2644% | 1,385 |
| Loan and lease loss provision to assets | 0.0263% | 3,486 |
| Net operating income to assets | 1.1690% | 2,371 |
| Return on assets (ROA) | 1.1558% | 2,427 |
| Pretax return on assets | 1.3230% | 2,529 |
| Return on Equity (ROE) | 8.8489% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.2015% | 4,805 |
| Net charge-offs to loans | 0.0162% | 2,850 |
| Credit loss provision to net charge-offs | 285.7143% | 1,062 |
| Earnings coverage of net charge-offs (x) | 148.3000% | 548 |
| Efficiency ratio | 63.1687% | 3,308 |
| Assets per employee ($millions) | 3.4781% | 4,588 |
| Cash dividends to net income (ytd only)* | 86.4226% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,836 |
| Loan loss allowance to noncurrent loans | 263.9122% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,474 |
| Noncurrent loans to loans | 0.5166% | 2,836 |
| Net loans and leases to total assets | 58.2404% | 4,015 |
| Net loans and leases to deposits | 69.7111% | 3,938 |
| Net loans and leases to core deposits | 73.8985% | 3,954 |
| Total domestic deposits to total assets | 83.5454% | 3,104 |
| Equity capital to assets | 12.9058% | 1,378 |
| Core capital (leverage) ratio | 10.9728% | 2,608 |
| Tier 1 risk-based capital ratio | 14.6574% | 3,040 |
| Total risk-based capital ratio | 15.7558% | 3,033 |
| Memoranda: | ||
| Average total assets | $507,236,750 | 1,395 |
| Average earning assets | $466,666,750 | 1,400 |
| Average equity | $66,251,250 | 1,218 |
| Average total loans | $288,392,750 | 1,650 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 607 |
| Cost of funding earning assets | 0.4515% | 3,344 |
| Net interest margin | 4.6977% | 436 |
| Noninterest income to average assets | 0.5585% | 2,530 |
| Noninterest expense to average assets | 3.3011% | 1,316 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3561% | 1,582 |
| Return on assets (ROA) | 1.3561% | 1,586 |
| Pretax return on assets | 1.5746% | 1,583 |
| Return on Equity (ROE) | 10.3415% | 2,406 |
| Retained earnings to average equity (ytd only) | 2.8215% | 4,125 |
| Net charge-offs to loans | 0.0049% | 2,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 570.2857% | 156 |
| Efficiency ratio | 60.7232% | 3,808 |
| Assets per employee ($millions) | 3.3986% | 4,716 |
| Cash dividends to net income (ytd only)* | 72.7167% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3846% | 1,806 |
| Loan loss allowance to noncurrent loans | 258.4299% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.3069% | 3,538 |
| Noncurrent loans to loans | 0.5358% | 2,812 |
| Net loans and leases to total assets | 56.4866% | 4,123 |
| Net loans and leases to deposits | 66.7895% | 4,120 |
| Net loans and leases to core deposits | 70.7519% | 4,105 |
| Total domestic deposits to total assets | 84.5741% | 2,846 |
| Equity capital to assets | 13.2047% | 1,224 |
| Core capital (leverage) ratio | 11.0205% | 2,507 |
| Tier 1 risk-based capital ratio | 14.9268% | 2,908 |
| Total risk-based capital ratio | 16.0275% | 2,907 |
| Memoranda: | ||
| Average total assets | $507,046,000 | 1,396 |
| Average earning assets | $465,976,330 | 1,403 |
| Average equity | $66,489,330 | 1,211 |
| Average total loans | $284,577,670 | 1,667 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1925% | 2,908 |
| Cost of funding earning assets | 0.4452% | 3,244 |
| Net interest margin | 3.7473% | 2,624 |
| Noninterest income to average assets | 0.5582% | 2,481 |
| Noninterest expense to average assets | 3.3159% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6551% | 4,261 |
| Return on assets (ROA) | 0.6551% | 4,272 |
| Pretax return on assets | 0.6867% | 4,480 |
| Return on Equity (ROE) | 5.0135% | 4,482 |
| Retained earnings to average equity (ytd only) | -7.0527% | 5,286 |
| Net charge-offs to loans | 0.0014% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 871.0000% | 75 |
| Efficiency ratio | 74.3352% | 1,851 |
| Assets per employee ($millions) | 3.3855% | 4,807 |
| Cash dividends to net income (ytd only)* | 240.6739% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,767 |
| Loan loss allowance to noncurrent loans | 240.2628% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 3,515 |
| Noncurrent loans to loans | 0.5905% | 2,768 |
| Net loans and leases to total assets | 55.0339% | 4,207 |
| Net loans and leases to deposits | 65.5867% | 4,116 |
| Net loans and leases to core deposits | 69.4800% | 4,111 |
| Total domestic deposits to total assets | 83.9102% | 3,363 |
| Equity capital to assets | 12.7664% | 1,353 |
| Core capital (leverage) ratio | 10.5453% | 2,897 |
| Tier 1 risk-based capital ratio | 14.2359% | 3,259 |
| Total risk-based capital ratio | 15.3386% | 3,248 |
| Memoranda: | ||
| Average total assets | $507,374,500 | 1,407 |
| Average earning assets | $466,356,500 | 1,415 |
| Average equity | $66,300,500 | 1,217 |
| Average total loans | $281,837,500 | 1,688 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2423% | 2,527 |
| Cost of funding earning assets | 0.4275% | 2,976 |
| Net interest margin | 3.8148% | 2,374 |
| Noninterest income to average assets | 0.5596% | 2,659 |
| Noninterest expense to average assets | 2.7614% | 2,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2529% | 1,354 |
| Return on assets (ROA) | 1.2529% | 1,378 |
| Pretax return on assets | 1.2885% | 2,397 |
| Return on Equity (ROE) | 9.5571% | 2,076 |
| Retained earnings to average equity (ytd only) | 2.9505% | 3,537 |
| Net charge-offs to loans | -0.0210% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1555% | 2,866 |
| Assets per employee ($millions) | 3.4484% | 4,767 |
| Cash dividends to net income (ytd only)* | 69.1280% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,632 |
| Loan loss allowance to noncurrent loans | 189.2286% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 3,178 |
| Noncurrent loans to loans | 0.7588% | 2,309 |
| Net loans and leases to total assets | 54.4764% | 4,315 |
| Net loans and leases to deposits | 65.4592% | 4,229 |
| Net loans and leases to core deposits | 69.2657% | 4,221 |
| Total domestic deposits to total assets | 83.2219% | 3,490 |
| Equity capital to assets | 13.3689% | 1,109 |
| Core capital (leverage) ratio | 10.6653% | 2,681 |
| Tier 1 risk-based capital ratio | 14.6309% | 3,021 |
| Total risk-based capital ratio | 15.7472% | 3,012 |
| Memoranda: | ||
| Average total assets | $508,034,400 | 1,380 |
| Average earning assets | $464,823,600 | 1,399 |
| Average equity | $66,599,600 | 1,201 |
| Average total loans | $275,688,600 | 1,683 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,526 |
| Cost of funding earning assets | 0.4219% | 2,971 |
| Net interest margin | 3.8047% | 2,379 |
| Noninterest income to average assets | 0.5527% | 2,715 |
| Noninterest expense to average assets | 2.7528% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9836% | 2,623 |
| Return on assets (ROA) | 0.9836% | 2,685 |
| Pretax return on assets | 1.2771% | 2,602 |
| Return on Equity (ROE) | 7.5405% | 3,370 |
| Retained earnings to average equity (ytd only) | 1.1059% | 4,945 |
| Net charge-offs to loans | -0.0592% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2700% | 2,825 |
| Assets per employee ($millions) | 3.4320% | 4,826 |
| Cash dividends to net income (ytd only)* | 85.3332% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,554 |
| Loan loss allowance to noncurrent loans | 214.5407% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 3,550 |
| Noncurrent loans to loans | 0.6962% | 2,617 |
| Net loans and leases to total assets | 52.3582% | 4,542 |
| Net loans and leases to deposits | 63.7308% | 4,397 |
| Net loans and leases to core deposits | 67.4825% | 4,381 |
| Total domestic deposits to total assets | 82.1553% | 3,726 |
| Equity capital to assets | 13.1745% | 1,308 |
| Core capital (leverage) ratio | 10.7585% | 2,693 |
| Tier 1 risk-based capital ratio | 14.7215% | 3,051 |
| Total risk-based capital ratio | 15.8607% | 3,042 |
| Memoranda: | ||
| Average total assets | $508,313,750 | 1,391 |
| Average earning assets | $464,569,000 | 1,409 |
| Average equity | $66,307,250 | 1,207 |
| Average total loans | $274,567,500 | 1,694 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 2,290 |
| Cost of funding earning assets | 0.4135% | 2,948 |
| Net interest margin | 3.8365% | 2,146 |
| Noninterest income to average assets | 0.5200% | 2,898 |
| Noninterest expense to average assets | 2.7521% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9784% | 2,531 |
| Return on assets (ROA) | 0.9784% | 2,580 |
| Pretax return on assets | 1.2688% | 2,501 |
| Return on Equity (ROE) | 7.5256% | 3,280 |
| Retained earnings to average equity (ytd only) | -2.2005% | 5,365 |
| Net charge-offs to loans | -0.0742% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3864% | 2,938 |
| Assets per employee ($millions) | 3.4815% | 4,746 |
| Cash dividends to net income (ytd only)* | 129.2407% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,671 |
| Loan loss allowance to noncurrent loans | 209.4233% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3814% | 3,583 |
| Noncurrent loans to loans | 0.7035% | 2,643 |
| Net loans and leases to total assets | 53.1424% | 4,476 |
| Net loans and leases to deposits | 64.3272% | 4,350 |
| Net loans and leases to core deposits | 68.4139% | 4,329 |
| Total domestic deposits to total assets | 82.6126% | 3,682 |
| Equity capital to assets | 13.0536% | 1,349 |
| Core capital (leverage) ratio | 10.4303% | 2,994 |
| Tier 1 risk-based capital ratio | 14.4099% | 3,214 |
| Total risk-based capital ratio | 15.5470% | 3,190 |
| Memoranda: | ||
| Average total assets | $506,153,000 | 1,400 |
| Average earning assets | $461,877,670 | 1,422 |
| Average equity | $65,802,330 | 1,218 |
| Average total loans | $274,881,670 | 1,693 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,179 |
| Cost of funding earning assets | 0.3949% | 3,044 |
| Net interest margin | 3.8323% | 2,007 |
| Noninterest income to average assets | 0.5054% | 2,947 |
| Noninterest expense to average assets | 2.7806% | 2,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9322% | 2,600 |
| Return on assets (ROA) | 0.9322% | 2,655 |
| Pretax return on assets | 1.2262% | 2,488 |
| Return on Equity (ROE) | 7.1852% | 3,326 |
| Retained earnings to average equity (ytd only) | -5.0658% | 5,389 |
| Net charge-offs to loans | 0.0394% | 2,024 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 57.1481% | 832 |
| Efficiency ratio | 69.2781% | 2,999 |
| Assets per employee ($millions) | 3.4371% | 4,871 |
| Cash dividends to net income (ytd only)* | 170.5030% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,943 |
| Loan loss allowance to noncurrent loans | 221.2360% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 3,817 |
| Noncurrent loans to loans | 0.6469% | 2,888 |
| Net loans and leases to total assets | 52.6070% | 4,459 |
| Net loans and leases to deposits | 63.0338% | 4,366 |
| Net loans and leases to core deposits | 66.7891% | 4,377 |
| Total domestic deposits to total assets | 83.4583% | 3,673 |
| Equity capital to assets | 12.6670% | 1,429 |
| Core capital (leverage) ratio | 10.5438% | 2,850 |
| Tier 1 risk-based capital ratio | 14.1546% | 3,382 |
| Total risk-based capital ratio | 15.2383% | 3,399 |
| Memoranda: | ||
| Average total assets | $503,342,500 | 1,413 |
| Average earning assets | $459,885,500 | 1,430 |
| Average equity | $65,301,000 | 1,221 |
| Average total loans | $274,304,500 | 1,707 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,344 |
| Cost of funding earning assets | 0.3827% | 3,176 |
| Net interest margin | 3.8586% | 2,105 |
| Noninterest income to average assets | 0.5380% | 2,988 |
| Noninterest expense to average assets | 2.8043% | 3,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9954% | 2,369 |
| Return on assets (ROA) | 0.9999% | 2,458 |
| Pretax return on assets | 1.2736% | 2,384 |
| Return on Equity (ROE) | 7.4027% | 3,266 |
| Retained earnings to average equity (ytd only) | 0.1611% | 5,252 |
| Net charge-offs to loans | 0.1301% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 18.5702% | 1,961 |
| Efficiency ratio | 68.7583% | 3,113 |
| Assets per employee ($millions) | 3.3184% | 5,019 |
| Cash dividends to net income (ytd only)* | 97.8239% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 1,873 |
| Loan loss allowance to noncurrent loans | 235.4513% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 3,864 |
| Noncurrent loans to loans | 0.6158% | 3,004 |
| Net loans and leases to total assets | 54.8711% | 4,358 |
| Net loans and leases to deposits | 65.8124% | 4,258 |
| Net loans and leases to core deposits | 69.4946% | 4,288 |
| Total domestic deposits to total assets | 83.3749% | 3,637 |
| Equity capital to assets | 13.2952% | 1,136 |
| Core capital (leverage) ratio | 10.8204% | 2,516 |
| Tier 1 risk-based capital ratio | 14.6322% | 3,131 |
| Total risk-based capital ratio | 15.7491% | 3,128 |
| Memoranda: | ||
| Average total assets | $500,938,000 | 1,375 |
| Average earning assets | $458,817,200 | 1,392 |
| Average equity | $67,664,200 | 1,154 |
| Average total loans | $262,851,000 | 1,714 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2038% | 2,498 |
| Cost of funding earning assets | 0.3801% | 3,229 |
| Net interest margin | 3.8237% | 2,248 |
| Noninterest income to average assets | 0.5371% | 2,997 |
| Noninterest expense to average assets | 2.7403% | 3,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0190% | 2,338 |
| Return on assets (ROA) | 1.0232% | 2,454 |
| Pretax return on assets | 1.3055% | 2,406 |
| Return on Equity (ROE) | 7.5459% | 3,269 |
| Retained earnings to average equity (ytd only) | 0.5137% | 5,225 |
| Net charge-offs to loans | 0.1486% | 1,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 16.9275% | 2,084 |
| Efficiency ratio | 67.7089% | 3,277 |
| Assets per employee ($millions) | 3.4011% | 4,906 |
| Cash dividends to net income (ytd only)* | 93.1918% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,735 |
| Loan loss allowance to noncurrent loans | 168.0753% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 3,455 |
| Noncurrent loans to loans | 0.8973% | 2,460 |
| Net loans and leases to total assets | 52.1180% | 4,650 |
| Net loans and leases to deposits | 64.0080% | 4,488 |
| Net loans and leases to core deposits | 67.5567% | 4,502 |
| Total domestic deposits to total assets | 81.4243% | 4,129 |
| Equity capital to assets | 13.8249% | 1,107 |
| Core capital (leverage) ratio | 10.9058% | 2,553 |
| Tier 1 risk-based capital ratio | 15.8923% | 2,671 |
| Total risk-based capital ratio | 17.1177% | 2,618 |
| Memoranda: | ||
| Average total assets | $503,391,000 | 1,372 |
| Average earning assets | $461,217,500 | 1,384 |
| Average equity | $68,256,250 | 1,154 |
| Average total loans | $260,201,000 | 1,730 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 2,554 |
| Cost of funding earning assets | 0.3810% | 3,242 |
| Net interest margin | 3.8057% | 2,299 |
| Noninterest income to average assets | 0.5368% | 2,972 |
| Noninterest expense to average assets | 2.7207% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0274% | 2,259 |
| Return on assets (ROA) | 1.0274% | 2,401 |
| Pretax return on assets | 1.3039% | 2,389 |
| Return on Equity (ROE) | 7.6270% | 3,186 |
| Retained earnings to average equity (ytd only) | -2.9906% | 5,629 |
| Net charge-offs to loans | 0.1960% | 1,168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 12.9723% | 2,158 |
| Efficiency ratio | 67.4926% | 3,448 |
| Assets per employee ($millions) | 3.4379% | 4,856 |
| Cash dividends to net income (ytd only)* | 139.2111% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5453% | 1,695 |
| Loan loss allowance to noncurrent loans | 183.8549% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 3,685 |
| Noncurrent loans to loans | 0.8405% | 2,643 |
| Net loans and leases to total assets | 50.7628% | 4,788 |
| Net loans and leases to deposits | 61.7781% | 4,674 |
| Net loans and leases to core deposits | 64.5810% | 4,700 |
| Total domestic deposits to total assets | 82.1695% | 3,949 |
| Equity capital to assets | 13.5507% | 1,205 |
| Core capital (leverage) ratio | 10.5033% | 2,973 |
| Tier 1 risk-based capital ratio | 15.7013% | 2,784 |
| Total risk-based capital ratio | 16.9514% | 2,719 |
| Memoranda: | ||
| Average total assets | $503,399,000 | 1,372 |
| Average earning assets | $461,358,670 | 1,384 |
| Average equity | $67,811,670 | 1,162 |
| Average total loans | $258,147,330 | 1,751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1391% | 2,689 |
| Cost of funding earning assets | 0.3817% | 3,275 |
| Net interest margin | 3.7575% | 2,444 |
| Noninterest income to average assets | 0.5472% | 2,822 |
| Noninterest expense to average assets | 2.7306% | 3,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9978% | 2,289 |
| Return on assets (ROA) | 0.9978% | 2,408 |
| Pretax return on assets | 1.2694% | 2,423 |
| Return on Equity (ROE) | 7.4297% | 3,226 |
| Retained earnings to average equity (ytd only) | -4.4673% | 5,579 |
| Net charge-offs to loans | 0.2187% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.3500% | 1,867 |
| Efficiency ratio | 68.1446% | 3,443 |
| Assets per employee ($millions) | 3.4876% | 4,828 |
| Cash dividends to net income (ytd only)* | 160.1281% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,495 |
| Loan loss allowance to noncurrent loans | 161.5743% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 3,564 |
| Noncurrent loans to loans | 1.0170% | 2,350 |
| Net loans and leases to total assets | 49.3232% | 4,858 |
| Net loans and leases to deposits | 59.6977% | 4,736 |
| Net loans and leases to core deposits | 62.3569% | 4,794 |
| Total domestic deposits to total assets | 82.6217% | 4,029 |
| Equity capital to assets | 13.3030% | 1,266 |
| Core capital (leverage) ratio | 10.6137% | 2,834 |
| Tier 1 risk-based capital ratio | 16.3370% | 2,546 |
| Total risk-based capital ratio | 17.5879% | 2,498 |
| Memoranda: | ||
| Average total assets | $500,691,500 | 1,382 |
| Average earning assets | $460,096,500 | 1,390 |
| Average equity | $67,243,500 | 1,166 |
| Average total loans | $256,050,000 | 1,760 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 2,261 |
| Cost of funding earning assets | 0.4055% | 3,096 |
| Net interest margin | 3.8818% | 2,090 |
| Noninterest income to average assets | 0.5635% | 2,942 |
| Noninterest expense to average assets | 2.7473% | 3,422 |
| Loan and lease loss provision to assets | -0.0203% | 5,666 |
| Net operating income to assets | 1.0869% | 1,981 |
| Return on assets (ROA) | 1.0910% | 2,031 |
| Pretax return on assets | 1.4106% | 1,855 |
| Return on Equity (ROE) | 8.1080% | 2,897 |
| Retained earnings to average equity (ytd only) | 3.3078% | 3,695 |
| Net charge-offs to loans | 0.5379% | 480 |
| Credit loss provision to net charge-offs | -7.2886% | 4,940 |
| Earnings coverage of net charge-offs (x) | 4.9716% | 3,459 |
| Efficiency ratio | 66.3751% | 3,843 |
| Assets per employee ($millions) | 3.4185% | 4,953 |
| Cash dividends to net income (ytd only)* | 59.2034% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 1,432 |
| Loan loss allowance to noncurrent loans | 137.2530% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 3,169 |
| Noncurrent loans to loans | 1.2139% | 1,942 |
| Net loans and leases to total assets | 51.2825% | 4,752 |
| Net loans and leases to deposits | 61.6343% | 4,658 |
| Net loans and leases to core deposits | 64.4341% | 4,712 |
| Total domestic deposits to total assets | 83.2044% | 3,770 |
| Equity capital to assets | 13.5598% | 1,107 |
| Core capital (leverage) ratio | 10.7390% | 2,670 |
| Tier 1 risk-based capital ratio | 16.4865% | 2,489 |
| Total risk-based capital ratio | 17.7381% | 2,445 |
| Memoranda: | ||
| Average total assets | $492,492,200 | 1,369 |
| Average earning assets | $452,778,400 | 1,370 |
| Average equity | $66,268,000 | 1,143 |
| Average total loans | $255,055,200 | 1,700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,201 |
| Cost of funding earning assets | 0.4130% | 3,083 |
| Net interest margin | 3.8950% | 2,049 |
| Noninterest income to average assets | 0.5727% | 2,898 |
| Noninterest expense to average assets | 2.7724% | 3,298 |
| Loan and lease loss provision to assets | 0.0678% | 2,824 |
| Net operating income to assets | 1.0104% | 2,422 |
| Return on assets (ROA) | 1.0152% | 2,492 |
| Pretax return on assets | 1.3141% | 2,338 |
| Return on Equity (ROE) | 7.5598% | 3,306 |
| Retained earnings to average equity (ytd only) | 4.1656% | 3,499 |
| Net charge-offs to loans | 0.6997% | 304 |
| Credit loss provision to net charge-offs | 18.7406% | 3,375 |
| Earnings coverage of net charge-offs (x) | 3.8029% | 3,450 |
| Efficiency ratio | 66.7255% | 3,760 |
| Assets per employee ($millions) | 3.3595% | 5,045 |
| Cash dividends to net income (ytd only)* | 44.8985% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 1,186 |
| Loan loss allowance to noncurrent loans | 152.1880% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 3,277 |
| Noncurrent loans to loans | 1.2110% | 2,111 |
| Net loans and leases to total assets | 50.9805% | 4,859 |
| Net loans and leases to deposits | 61.1595% | 4,777 |
| Net loans and leases to core deposits | 63.9238% | 4,820 |
| Total domestic deposits to total assets | 83.3567% | 3,676 |
| Equity capital to assets | 13.7099% | 1,140 |
| Core capital (leverage) ratio | 10.7944% | 2,723 |
| Tier 1 risk-based capital ratio | 16.5384% | 2,552 |
| Total risk-based capital ratio | 17.7916% | 2,515 |
| Memoranda: | ||
| Average total assets | $491,694,250 | 1,375 |
| Average earning assets | $451,333,250 | 1,380 |
| Average equity | $66,031,500 | 1,154 |
| Average total loans | $254,192,500 | 1,710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,191 |
| Cost of funding earning assets | 0.4184% | 3,053 |
| Net interest margin | 3.8735% | 2,064 |
| Noninterest income to average assets | 0.5580% | 2,988 |
| Noninterest expense to average assets | 2.7629% | 3,371 |
| Loan and lease loss provision to assets | 0.0914% | 2,289 |
| Net operating income to assets | 0.9767% | 2,514 |
| Return on assets (ROA) | 0.9840% | 2,590 |
| Pretax return on assets | 1.2652% | 2,489 |
| Return on Equity (ROE) | 7.3781% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.2552% | 4,587 |
| Net charge-offs to loans | 1.5354% | 115 |
| Credit loss provision to net charge-offs | 11.5385% | 3,087 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 3,464 |
| Efficiency ratio | 67.1116% | 3,809 |
| Assets per employee ($millions) | 3.2732% | 5,206 |
| Cash dividends to net income (ytd only)* | 69.4341% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 1,884 |
| Loan loss allowance to noncurrent loans | 171.3440% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 3,696 |
| Noncurrent loans to loans | 0.9381% | 2,780 |
| Net loans and leases to total assets | 50.8805% | 4,859 |
| Net loans and leases to deposits | 61.1391% | 4,762 |
| Net loans and leases to core deposits | 63.8245% | 4,816 |
| Total domestic deposits to total assets | 83.2209% | 3,864 |
| Equity capital to assets | 13.2897% | 1,260 |
| Core capital (leverage) ratio | 10.4272% | 3,052 |
| Tier 1 risk-based capital ratio | 16.1774% | 2,769 |
| Total risk-based capital ratio | 17.4280% | 2,720 |
| Memoranda: | ||
| Average total assets | $492,094,670 | 1,384 |
| Average earning assets | $451,273,000 | 1,387 |
| Average equity | $65,626,670 | 1,168 |
| Average total loans | $254,006,330 | 1,716 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2580% | 2,241 |
| Cost of funding earning assets | 0.4184% | 3,098 |
| Net interest margin | 3.8396% | 2,099 |
| Noninterest income to average assets | 0.5770% | 2,792 |
| Noninterest expense to average assets | 2.7506% | 3,417 |
| Loan and lease loss provision to assets | 0.1214% | 1,708 |
| Net operating income to assets | 0.9662% | 2,415 |
| Return on assets (ROA) | 0.9662% | 2,549 |
| Pretax return on assets | 1.2252% | 2,570 |
| Return on Equity (ROE) | 7.2328% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.1076% | 4,120 |
| Net charge-offs to loans | -0.0204% | 5,057 |
| Credit loss provision to net charge-offs | -1,153.8462% | 5,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0156% | 3,988 |
| Assets per employee ($millions) | 3.3748% | 5,124 |
| Cash dividends to net income (ytd only)* | 57.0352% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 676 |
| Loan loss allowance to noncurrent loans | 137.6738% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 2,729 |
| Noncurrent loans to loans | 1.6960% | 1,622 |
| Net loans and leases to total assets | 49.7615% | 4,878 |
| Net loans and leases to deposits | 60.1634% | 4,736 |
| Net loans and leases to core deposits | 63.1594% | 4,769 |
| Total domestic deposits to total assets | 82.7106% | 4,272 |
| Equity capital to assets | 13.3977% | 1,220 |
| Core capital (leverage) ratio | 10.3872% | 3,111 |
| Tier 1 risk-based capital ratio | 16.1497% | 2,848 |
| Total risk-based capital ratio | 17.4080% | 2,785 |
| Memoranda: | ||
| Average total assets | $494,287,500 | 1,377 |
| Average earning assets | $453,175,500 | 1,385 |
| Average equity | $66,032,500 | 1,163 |
| Average total loans | $254,908,000 | 1,708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,565 |
| Cost of funding earning assets | 0.4911% | 2,762 |
| Net interest margin | 3.8206% | 2,547 |
| Noninterest income to average assets | 0.4959% | 3,544 |
| Noninterest expense to average assets | 2.7876% | 3,526 |
| Loan and lease loss provision to assets | 0.3219% | 612 |
| Net operating income to assets | 0.6996% | 3,891 |
| Return on assets (ROA) | 0.6996% | 4,012 |
| Pretax return on assets | 0.8861% | 3,942 |
| Return on Equity (ROE) | 5.3084% | 4,509 |
| Retained earnings to average equity (ytd only) | 2.8709% | 4,193 |
| Net charge-offs to loans | 0.1775% | 2,251 |
| Credit loss provision to net charge-offs | 343.6807% | 769 |
| Earnings coverage of net charge-offs (x) | 12.8980% | 2,328 |
| Efficiency ratio | 69.6518% | 3,595 |
| Assets per employee ($millions) | 3.2391% | 5,372 |
| Cash dividends to net income (ytd only)* | 45.9187% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2633% | 758 |
| Loan loss allowance to noncurrent loans | 176.9443% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 2.0133% | 1,263 |
| Noncurrent loans to loans | 1.2791% | 2,317 |
| Net loans and leases to total assets | 51.0220% | 4,868 |
| Net loans and leases to deposits | 60.5443% | 4,854 |
| Net loans and leases to core deposits | 63.7204% | 4,855 |
| Total domestic deposits to total assets | 84.2722% | 3,601 |
| Equity capital to assets | 13.3198% | 1,220 |
| Core capital (leverage) ratio | 9.5871% | 4,121 |
| Tier 1 risk-based capital ratio | 15.6244% | 3,177 |
| Total risk-based capital ratio | 16.8833% | 3,099 |
| Memoranda: | ||
| Average total assets | $481,529,200 | 1,386 |
| Average earning assets | $441,081,200 | 1,388 |
| Average equity | $63,465,400 | 1,150 |
| Average total loans | $254,037,800 | 1,669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,526 |
| Cost of funding earning assets | 0.5029% | 2,728 |
| Net interest margin | 3.8207% | 2,539 |
| Noninterest income to average assets | 0.4784% | 3,699 |
| Noninterest expense to average assets | 2.8187% | 3,389 |
| Loan and lease loss provision to assets | 0.2641% | 805 |
| Net operating income to assets | 0.7133% | 3,871 |
| Return on assets (ROA) | 0.7133% | 3,975 |
| Pretax return on assets | 0.8973% | 3,998 |
| Return on Equity (ROE) | 5.4267% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.0584% | 3,760 |
| Net charge-offs to loans | 0.2806% | 1,403 |
| Credit loss provision to net charge-offs | 177.9026% | 1,403 |
| Earnings coverage of net charge-offs (x) | 7.8240% | 2,890 |
| Efficiency ratio | 70.7012% | 3,389 |
| Assets per employee ($millions) | 3.2205% | 5,387 |
| Cash dividends to net income (ytd only)* | 25.2145% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 1,208 |
| Loan loss allowance to noncurrent loans | 123.0324% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 1,259 |
| Noncurrent loans to loans | 1.6503% | 1,976 |
| Net loans and leases to total assets | 50.2304% | 4,981 |
| Net loans and leases to deposits | 60.1512% | 4,923 |
| Net loans and leases to core deposits | 63.2915% | 4,944 |
| Total domestic deposits to total assets | 83.5070% | 3,947 |
| Equity capital to assets | 13.2418% | 1,306 |
| Core capital (leverage) ratio | 9.7074% | 4,067 |
| Tier 1 risk-based capital ratio | 15.8213% | 3,148 |
| Total risk-based capital ratio | 17.0775% | 3,087 |
| Memoranda: | ||
| Average total assets | $479,634,750 | 1,402 |
| Average earning assets | $439,598,250 | 1,404 |
| Average equity | $63,044,750 | 1,165 |
| Average total loans | $253,714,500 | 1,674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,466 |
| Cost of funding earning assets | 0.5114% | 2,713 |
| Net interest margin | 3.8194% | 2,486 |
| Noninterest income to average assets | 0.5824% | 2,910 |
| Noninterest expense to average assets | 2.8593% | 3,317 |
| Loan and lease loss provision to assets | 0.2729% | 759 |
| Net operating income to assets | 0.7545% | 3,546 |
| Return on assets (ROA) | 0.7545% | 3,647 |
| Pretax return on assets | 0.9527% | 3,670 |
| Return on Equity (ROE) | 5.7547% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.6828% | 3,847 |
| Net charge-offs to loans | 0.2553% | 1,535 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 8.9815% | 2,414 |
| Efficiency ratio | 69.8839% | 3,676 |
| Assets per employee ($millions) | 3.2012% | 5,425 |
| Cash dividends to net income (ytd only)* | 36.0045% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 1,461 |
| Loan loss allowance to noncurrent loans | 83.1257% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.5024% | 1,137 |
| Noncurrent loans to loans | 2.3434% | 1,367 |
| Net loans and leases to total assets | 52.1177% | 4,736 |
| Net loans and leases to deposits | 63.2956% | 4,563 |
| Net loans and leases to core deposits | 66.6916% | 4,577 |
| Total domestic deposits to total assets | 82.3401% | 4,527 |
| Equity capital to assets | 13.2429% | 1,249 |
| Core capital (leverage) ratio | 9.7060% | 4,030 |
| Tier 1 risk-based capital ratio | 15.3761% | 3,423 |
| Total risk-based capital ratio | 16.6317% | 3,363 |
| Memoranda: | ||
| Average total assets | $476,343,000 | 1,407 |
| Average earning assets | $436,817,330 | 1,409 |
| Average equity | $62,453,000 | 1,166 |
| Average total loans | $254,626,330 | 1,665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,426 |
| Cost of funding earning assets | 0.5260% | 2,646 |
| Net interest margin | 3.7993% | 2,473 |
| Noninterest income to average assets | 0.5905% | 2,792 |
| Noninterest expense to average assets | 2.8493% | 3,382 |
| Loan and lease loss provision to assets | 0.2538% | 847 |
| Net operating income to assets | 0.7741% | 3,287 |
| Return on assets (ROA) | 0.7741% | 3,368 |
| Pretax return on assets | 0.9703% | 3,439 |
| Return on Equity (ROE) | 5.9346% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9346% | 2,578 |
| Net charge-offs to loans | 0.2462% | 1,336 |
| Credit loss provision to net charge-offs | 192.3077% | 1,076 |
| Earnings coverage of net charge-offs (x) | 9.2756% | 1,950 |
| Efficiency ratio | 69.8235% | 3,869 |
| Assets per employee ($millions) | 3.0821% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 1,740 |
| Loan loss allowance to noncurrent loans | 79.3682% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.5270% | 1,256 |
| Noncurrent loans to loans | 2.4001% | 1,462 |
| Net loans and leases to total assets | 51.6665% | 4,710 |
| Net loans and leases to deposits | 61.9007% | 4,560 |
| Net loans and leases to core deposits | 65.1696% | 4,585 |
| Total domestic deposits to total assets | 83.4667% | 4,458 |
| Equity capital to assets | 13.0163% | 1,300 |
| Core capital (leverage) ratio | 9.8018% | 3,861 |
| Tier 1 risk-based capital ratio | 15.6317% | 3,363 |
| Total risk-based capital ratio | 16.8871% | 3,328 |
| Memoranda: | ||
| Average total assets | $472,823,000 | 1,422 |
| Average earning assets | $433,444,500 | 1,429 |
| Average equity | $61,672,500 | 1,175 |
| Average total loans | $253,473,000 | 1,677 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6076% | 1,850 |
| Cost of funding earning assets | 0.6629% | 2,092 |
| Net interest margin | 3.9447% | 2,120 |
| Noninterest income to average assets | 0.5674% | 3,285 |
| Noninterest expense to average assets | 2.7704% | 3,833 |
| Loan and lease loss provision to assets | 0.2070% | 1,789 |
| Net operating income to assets | 0.8874% | 2,844 |
| Return on assets (ROA) | 0.8921% | 2,911 |
| Pretax return on assets | 1.2128% | 2,528 |
| Return on Equity (ROE) | 6.9123% | 3,609 |
| Retained earnings to average equity (ytd only) | 3.3134% | 3,877 |
| Net charge-offs to loans | 0.5254% | 1,262 |
| Credit loss provision to net charge-offs | 73.7463% | 3,208 |
| Earnings coverage of net charge-offs (x) | 5.0354% | 3,400 |
| Efficiency ratio | 66.0152% | 4,556 |
| Assets per employee ($millions) | 2.9989% | 5,837 |
| Cash dividends to net income (ytd only)* | 52.0650% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 1,935 |
| Loan loss allowance to noncurrent loans | 68.6720% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 2.7595% | 1,202 |
| Noncurrent loans to loans | 2.6862% | 1,365 |
| Net loans and leases to total assets | 53.5726% | 4,640 |
| Net loans and leases to deposits | 63.5763% | 4,548 |
| Net loans and leases to core deposits | 67.0227% | 4,613 |
| Total domestic deposits to total assets | 84.2650% | 4,068 |
| Equity capital to assets | 13.0715% | 1,242 |
| Core capital (leverage) ratio | 9.4699% | 4,312 |
| Tier 1 risk-based capital ratio | 15.2514% | 3,514 |
| Total risk-based capital ratio | 16.5059% | 3,459 |
| Memoranda: | ||
| Average total assets | $483,112,000 | 1,375 |
| Average earning assets | $442,897,400 | 1,369 |
| Average equity | $62,352,600 | 1,156 |
| Average total loans | $258,093,200 | 1,607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,876 |
| Cost of funding earning assets | 0.6759% | 2,131 |
| Net interest margin | 3.9321% | 2,166 |
| Noninterest income to average assets | 0.5700% | 3,332 |
| Noninterest expense to average assets | 2.7599% | 3,795 |
| Loan and lease loss provision to assets | 0.2187% | 1,663 |
| Net operating income to assets | 0.8825% | 2,922 |
| Return on assets (ROA) | 0.8888% | 3,006 |
| Pretax return on assets | 1.2038% | 2,679 |
| Return on Equity (ROE) | 6.9076% | 3,705 |
| Retained earnings to average equity (ytd only) | 4.4769% | 3,485 |
| Net charge-offs to loans | 0.2963% | 2,054 |
| Credit loss provision to net charge-offs | 138.8889% | 1,683 |
| Earnings coverage of net charge-offs (x) | 8.9792% | 2,548 |
| Efficiency ratio | 65.9200% | 4,501 |
| Assets per employee ($millions) | 3.1228% | 5,633 |
| Cash dividends to net income (ytd only)* | 35.1893% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,675 |
| Loan loss allowance to noncurrent loans | 104.8644% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 2.3558% | 1,668 |
| Noncurrent loans to loans | 1.9269% | 2,330 |
| Net loans and leases to total assets | 52.6936% | 4,797 |
| Net loans and leases to deposits | 62.9829% | 4,633 |
| Net loans and leases to core deposits | 67.6225% | 4,560 |
| Total domestic deposits to total assets | 83.6634% | 4,323 |
| Equity capital to assets | 12.5106% | 1,574 |
| Core capital (leverage) ratio | 9.4449% | 4,481 |
| Tier 1 risk-based capital ratio | 14.6005% | 4,015 |
| Total risk-based capital ratio | 15.8570% | 3,959 |
| Memoranda: | ||
| Average total assets | $487,681,250 | 1,368 |
| Average earning assets | $446,976,000 | 1,370 |
| Average equity | $62,750,500 | 1,157 |
| Average total loans | $259,190,500 | 1,603 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,784 |
| Cost of funding earning assets | 0.6967% | 2,084 |
| Net interest margin | 3.9231% | 2,137 |
| Noninterest income to average assets | 0.5674% | 3,399 |
| Noninterest expense to average assets | 2.7499% | 3,856 |
| Loan and lease loss provision to assets | 0.2045% | 1,852 |
| Net operating income to assets | 0.8983% | 2,807 |
| Return on assets (ROA) | 0.8983% | 2,951 |
| Pretax return on assets | 1.2109% | 2,622 |
| Return on Equity (ROE) | 6.9185% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.1857% | 2,936 |
| Net charge-offs to loans | 0.0193% | 4,458 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 138.4000% | 358 |
| Efficiency ratio | 65.8122% | 4,585 |
| Assets per employee ($millions) | 3.0818% | 5,715 |
| Cash dividends to net income (ytd only)* | 25.0455% | 2,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 1,550 |
| Loan loss allowance to noncurrent loans | 104.1580% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3811% | 1,797 |
| Noncurrent loans to loans | 2.0519% | 2,334 |
| Net loans and leases to total assets | 52.1550% | 4,841 |
| Net loans and leases to deposits | 61.4592% | 4,807 |
| Net loans and leases to core deposits | 65.9068% | 4,699 |
| Total domestic deposits to total assets | 84.8612% | 3,959 |
| Equity capital to assets | 12.6550% | 1,495 |
| Core capital (leverage) ratio | 9.0872% | 4,843 |
| Tier 1 risk-based capital ratio | 14.5780% | 4,050 |
| Total risk-based capital ratio | 15.8355% | 4,008 |
| Memoranda: | ||
| Average total assets | $488,898,330 | 1,369 |
| Average earning assets | $448,369,000 | 1,363 |
| Average equity | $63,482,330 | 1,153 |
| Average total loans | $258,816,330 | 1,605 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,705 |
| Cost of funding earning assets | 0.7152% | 2,090 |
| Net interest margin | 3.9266% | 2,024 |
| Noninterest income to average assets | 0.5576% | 3,383 |
| Noninterest expense to average assets | 2.7357% | 3,931 |
| Loan and lease loss provision to assets | 0.2442% | 1,476 |
| Net operating income to assets | 0.8685% | 2,815 |
| Return on assets (ROA) | 0.8685% | 2,959 |
| Pretax return on assets | 1.1794% | 2,651 |
| Return on Equity (ROE) | 6.6060% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.6060% | 2,363 |
| Net charge-offs to loans | -0.0062% | 5,310 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5773% | 4,733 |
| Assets per employee ($millions) | 3.3213% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0755% | 1,855 |
| Loan loss allowance to noncurrent loans | 135.5674% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 2.0684% | 2,268 |
| Noncurrent loans to loans | 1.5310% | 3,251 |
| Net loans and leases to total assets | 50.9113% | 4,858 |
| Net loans and leases to deposits | 61.1184% | 4,668 |
| Net loans and leases to core deposits | 65.1631% | 4,637 |
| Total domestic deposits to total assets | 83.2994% | 4,763 |
| Equity capital to assets | 13.1132% | 1,379 |
| Core capital (leverage) ratio | 8.9736% | 4,933 |
| Tier 1 risk-based capital ratio | 14.4865% | 4,188 |
| Total risk-based capital ratio | 15.7434% | 4,146 |
| Memoranda: | ||
| Average total assets | $491,422,500 | 1,374 |
| Average earning assets | $450,773,000 | 1,365 |
| Average equity | $64,608,000 | 1,139 |
| Average total loans | $259,293,000 | 1,618 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 2,024 |
| Cost of funding earning assets | 0.8848% | 2,036 |
| Net interest margin | 3.9627% | 2,559 |
| Noninterest income to average assets | 0.6092% | 3,231 |
| Noninterest expense to average assets | 2.8070% | 4,001 |
| Loan and lease loss provision to assets | 0.1653% | 3,541 |
| Net operating income to assets | 0.9261% | 2,670 |
| Return on assets (ROA) | 0.9261% | 2,918 |
| Pretax return on assets | 1.2492% | 2,608 |
| Return on Equity (ROE) | 7.0416% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.1011% | 4,748 |
| Net charge-offs to loans | 0.2141% | 3,677 |
| Credit loss provision to net charge-offs | 140.9574% | 1,949 |
| Earnings coverage of net charge-offs (x) | 12.0621% | 1,967 |
| Efficiency ratio | 66.1282% | 4,477 |
| Assets per employee ($millions) | 3.0690% | 5,905 |
| Cash dividends to net income (ytd only)* | 70.1617% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 2,202 |
| Loan loss allowance to noncurrent loans | 116.4662% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1628% | 2,270 |
| Noncurrent loans to loans | 1.6548% | 3,143 |
| Net loans and leases to total assets | 52.5161% | 4,842 |
| Net loans and leases to deposits | 62.7251% | 4,692 |
| Net loans and leases to core deposits | 66.8854% | 4,647 |
| Total domestic deposits to total assets | 83.7242% | 4,425 |
| Equity capital to assets | 13.1816% | 1,365 |
| Core capital (leverage) ratio | 8.7432% | 5,261 |
| Tier 1 risk-based capital ratio | 13.8387% | 4,506 |
| Total risk-based capital ratio | 15.0938% | 4,454 |
| Memoranda: | ||
| Average total assets | $480,947,600 | 1,382 |
| Average earning assets | $438,409,400 | 1,373 |
| Average equity | $63,252,600 | 1,124 |
| Average total loans | $263,477,800 | 1,573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 2,040 |
| Cost of funding earning assets | 0.9059% | 2,134 |
| Net interest margin | 3.9865% | 2,556 |
| Noninterest income to average assets | 0.6032% | 3,253 |
| Noninterest expense to average assets | 2.8350% | 3,857 |
| Loan and lease loss provision to assets | 0.2045% | 3,029 |
| Net operating income to assets | 0.8898% | 3,036 |
| Return on assets (ROA) | 0.8898% | 3,271 |
| Pretax return on assets | 1.1931% | 3,010 |
| Return on Equity (ROE) | 6.7697% | 3,923 |
| Retained earnings to average equity (ytd only) | 1.2659% | 5,666 |
| Net charge-offs to loans | 0.1853% | 3,634 |
| Credit loss provision to net charge-offs | 200.2725% | 1,374 |
| Earnings coverage of net charge-offs (x) | 13.6867% | 1,894 |
| Efficiency ratio | 66.6119% | 4,328 |
| Assets per employee ($millions) | 3.0730% | 5,919 |
| Cash dividends to net income (ytd only)* | 81.3009% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 2,157 |
| Loan loss allowance to noncurrent loans | 179.2446% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 1.8136% | 2,897 |
| Noncurrent loans to loans | 1.1183% | 4,191 |
| Net loans and leases to total assets | 51.1144% | 5,174 |
| Net loans and leases to deposits | 62.0908% | 4,958 |
| Net loans and leases to core deposits | 66.2616% | 4,928 |
| Total domestic deposits to total assets | 82.3220% | 4,912 |
| Equity capital to assets | 12.9912% | 1,592 |
| Core capital (leverage) ratio | 8.7310% | 5,429 |
| Tier 1 risk-based capital ratio | 13.6776% | 4,768 |
| Total risk-based capital ratio | 14.9335% | 4,717 |
| Memoranda: | ||
| Average total assets | $479,190,500 | 1,402 |
| Average earning assets | $436,261,750 | 1,402 |
| Average equity | $62,985,000 | 1,138 |
| Average total loans | $264,021,750 | 1,581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 1,872 |
| Cost of funding earning assets | 0.9314% | 2,175 |
| Net interest margin | 4.0385% | 2,348 |
| Noninterest income to average assets | 0.5958% | 3,280 |
| Noninterest expense to average assets | 2.8350% | 3,885 |
| Loan and lease loss provision to assets | 0.2468% | 2,591 |
| Net operating income to assets | 0.8932% | 2,944 |
| Return on assets (ROA) | 0.8932% | 3,205 |
| Pretax return on assets | 1.1802% | 3,015 |
| Return on Equity (ROE) | 6.7684% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.0526% | 5,174 |
| Net charge-offs to loans | 0.1812% | 3,508 |
| Credit loss provision to net charge-offs | 242.7386% | 1,181 |
| Earnings coverage of net charge-offs (x) | 14.0332% | 1,739 |
| Efficiency ratio | 66.1519% | 4,509 |
| Assets per employee ($millions) | 3.0210% | 6,023 |
| Cash dividends to net income (ytd only)* | 69.6741% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 2,296 |
| Loan loss allowance to noncurrent loans | 118.5040% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 2.1829% | 2,560 |
| Noncurrent loans to loans | 1.6670% | 3,397 |
| Net loans and leases to total assets | 53.5278% | 4,877 |
| Net loans and leases to deposits | 65.0074% | 4,645 |
| Net loans and leases to core deposits | 69.2910% | 4,629 |
| Total domestic deposits to total assets | 82.3411% | 5,002 |
| Equity capital to assets | 13.3360% | 1,376 |
| Core capital (leverage) ratio | 8.8904% | 5,063 |
| Tier 1 risk-based capital ratio | 13.5609% | 4,775 |
| Total risk-based capital ratio | 14.8166% | 4,735 |
| Memoranda: | ||
| Average total assets | $474,001,670 | 1,416 |
| Average earning assets | $430,303,000 | 1,421 |
| Average equity | $62,555,000 | 1,139 |
| Average total loans | $266,007,330 | 1,563 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 1,897 |
| Cost of funding earning assets | 0.9582% | 2,244 |
| Net interest margin | 4.0385% | 2,338 |
| Noninterest income to average assets | 0.6504% | 2,927 |
| Noninterest expense to average assets | 2.8504% | 3,824 |
| Loan and lease loss provision to assets | 0.3049% | 2,066 |
| Net operating income to assets | 0.8968% | 2,936 |
| Return on assets (ROA) | 0.8968% | 3,153 |
| Pretax return on assets | 1.1712% | 3,022 |
| Return on Equity (ROE) | 6.8317% | 3,872 |
| Retained earnings to average equity (ytd only) | 2.6385% | 4,939 |
| Net charge-offs to loans | 0.0610% | 3,885 |
| Credit loss provision to net charge-offs | 878.0488% | 401 |
| Earnings coverage of net charge-offs (x) | 42.5122% | 709 |
| Efficiency ratio | 65.5118% | 4,653 |
| Assets per employee ($millions) | 3.0562% | 6,050 |
| Cash dividends to net income (ytd only)* | 61.3787% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9451% | 2,538 |
| Loan loss allowance to noncurrent loans | 108.5823% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 2.3345% | 2,549 |
| Noncurrent loans to loans | 1.7914% | 3,423 |
| Net loans and leases to total assets | 54.5275% | 4,630 |
| Net loans and leases to deposits | 65.7335% | 4,413 |
| Net loans and leases to core deposits | 69.8269% | 4,446 |
| Total domestic deposits to total assets | 82.9525% | 4,949 |
| Equity capital to assets | 13.1726% | 1,369 |
| Core capital (leverage) ratio | 8.9053% | 4,989 |
| Tier 1 risk-based capital ratio | 13.3343% | 4,946 |
| Total risk-based capital ratio | 14.5898% | 4,934 |
| Memoranda: | ||
| Average total assets | $472,347,000 | 1,417 |
| Average earning assets | $429,956,500 | 1,425 |
| Average equity | $62,005,500 | 1,142 |
| Average total loans | $268,689,500 | 1,561 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 1,686 |
| Cost of funding earning assets | 1.1429% | 2,395 |
| Net interest margin | 4.1622% | 2,188 |
| Noninterest income to average assets | 0.6792% | 2,730 |
| Noninterest expense to average assets | 2.9106% | 3,917 |
| Loan and lease loss provision to assets | 0.4432% | 2,380 |
| Net operating income to assets | 0.8249% | 2,930 |
| Return on assets (ROA) | 0.8407% | 3,028 |
| Pretax return on assets | 1.0951% | 2,855 |
| Return on Equity (ROE) | 6.5513% | 3,610 |
| Retained earnings to average equity (ytd only) | 3.1030% | 4,027 |
| Net charge-offs to loans | 0.4810% | 3,071 |
| Credit loss provision to net charge-offs | 159.4090% | 1,736 |
| Earnings coverage of net charge-offs (x) | 5.4596% | 2,785 |
| Efficiency ratio | 65.2038% | 4,921 |
| Assets per employee ($millions) | 3.0386% | 6,011 |
| Cash dividends to net income (ytd only)* | 52.6356% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,007 |
| Loan loss allowance to noncurrent loans | 93.6282% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 2.4640% | 2,471 |
| Noncurrent loans to loans | 1.8733% | 3,379 |
| Net loans and leases to total assets | 57.1458% | 4,524 |
| Net loans and leases to deposits | 67.8574% | 4,462 |
| Net loans and leases to core deposits | 72.0583% | 4,528 |
| Total domestic deposits to total assets | 84.2145% | 4,230 |
| Equity capital to assets | 13.0814% | 1,447 |
| Core capital (leverage) ratio | 8.9111% | 4,915 |
| Tier 1 risk-based capital ratio | 12.9757% | 5,090 |
| Total risk-based capital ratio | 14.2295% | 5,064 |
| Memoranda: | ||
| Average total assets | $462,589,000 | 1,420 |
| Average earning assets | $416,676,200 | 1,439 |
| Average equity | $59,362,400 | 1,137 |
| Average total loans | $267,368,000 | 1,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 1,656 |
| Cost of funding earning assets | 1.1808% | 2,445 |
| Net interest margin | 4.1761% | 2,189 |
| Noninterest income to average assets | 0.6709% | 2,769 |
| Noninterest expense to average assets | 2.9799% | 3,633 |
| Loan and lease loss provision to assets | 0.4140% | 2,392 |
| Net operating income to assets | 0.7988% | 3,169 |
| Return on assets (ROA) | 0.8203% | 3,225 |
| Pretax return on assets | 1.0574% | 3,180 |
| Return on Equity (ROE) | 6.4239% | 3,809 |
| Retained earnings to average equity (ytd only) | 3.0294% | 4,526 |
| Net charge-offs to loans | 0.4461% | 2,940 |
| Credit loss provision to net charge-offs | 160.8549% | 1,913 |
| Earnings coverage of net charge-offs (x) | 5.6097% | 2,738 |
| Efficiency ratio | 66.8303% | 4,559 |
| Assets per employee ($millions) | 2.9757% | 6,173 |
| Cash dividends to net income (ytd only)* | 52.8415% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 3,244 |
| Loan loss allowance to noncurrent loans | 107.6345% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 2.3267% | 2,757 |
| Noncurrent loans to loans | 1.5867% | 3,918 |
| Net loans and leases to total assets | 56.0906% | 4,825 |
| Net loans and leases to deposits | 66.8505% | 4,778 |
| Net loans and leases to core deposits | 71.3929% | 4,792 |
| Total domestic deposits to total assets | 83.9045% | 4,277 |
| Equity capital to assets | 13.0710% | 1,584 |
| Core capital (leverage) ratio | 8.9273% | 5,056 |
| Tier 1 risk-based capital ratio | 13.0281% | 5,078 |
| Total risk-based capital ratio | 14.2812% | 5,045 |
| Memoranda: | ||
| Average total assets | $460,490,500 | 1,439 |
| Average earning assets | $413,835,750 | 1,454 |
| Average equity | $58,800,250 | 1,149 |
| Average total loans | $265,722,000 | 1,596 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4116% | 1,526 |
| Cost of funding earning assets | 1.2079% | 2,526 |
| Net interest margin | 4.2037% | 2,022 |
| Noninterest income to average assets | 0.6648% | 2,740 |
| Noninterest expense to average assets | 3.0988% | 3,262 |
| Loan and lease loss provision to assets | 0.3936% | 2,448 |
| Net operating income to assets | 0.7557% | 3,263 |
| Return on assets (ROA) | 0.7750% | 3,310 |
| Pretax return on assets | 0.9793% | 3,318 |
| Return on Equity (ROE) | 6.1192% | 3,906 |
| Retained earnings to average equity (ytd only) | 2.3310% | 4,803 |
| Net charge-offs to loans | 0.2952% | 3,398 |
| Credit loss provision to net charge-offs | 230.1790% | 1,310 |
| Earnings coverage of net charge-offs (x) | 7.8849% | 2,147 |
| Efficiency ratio | 69.1581% | 4,296 |
| Assets per employee ($millions) | 2.9161% | 6,267 |
| Cash dividends to net income (ytd only)* | 61.9074% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7161% | 3,270 |
| Loan loss allowance to noncurrent loans | 116.1307% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 2.2611% | 2,902 |
| Noncurrent loans to loans | 1.4778% | 4,206 |
| Net loans and leases to total assets | 56.5560% | 4,892 |
| Net loans and leases to deposits | 66.5503% | 4,913 |
| Net loans and leases to core deposits | 71.1610% | 4,930 |
| Total domestic deposits to total assets | 84.9823% | 3,891 |
| Equity capital to assets | 12.9326% | 1,550 |
| Core capital (leverage) ratio | 8.7917% | 5,063 |
| Tier 1 risk-based capital ratio | 13.0116% | 4,905 |
| Total risk-based capital ratio | 14.2648% | 4,886 |
| Memoranda: | ||
| Average total assets | $457,268,330 | 1,455 |
| Average earning assets | $411,447,670 | 1,471 |
| Average equity | $57,915,670 | 1,155 |
| Average total loans | $264,864,000 | 1,627 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 1,664 |
| Cost of funding earning assets | 1.2319% | 2,615 |
| Net interest margin | 4.1417% | 2,111 |
| Noninterest income to average assets | 0.6410% | 2,893 |
| Noninterest expense to average assets | 3.1401% | 3,107 |
| Loan and lease loss provision to assets | 0.4215% | 2,081 |
| Net operating income to assets | 0.6569% | 3,717 |
| Return on assets (ROA) | 0.6972% | 3,591 |
| Pretax return on assets | 0.8544% | 3,687 |
| Return on Equity (ROE) | 5.5641% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.7099% | 5,096 |
| Net charge-offs to loans | 0.4080% | 2,465 |
| Credit loss provision to net charge-offs | 177.7778% | 1,647 |
| Earnings coverage of net charge-offs (x) | 5.1741% | 2,319 |
| Efficiency ratio | 71.3654% | 3,980 |
| Assets per employee ($millions) | 2.9066% | 6,329 |
| Cash dividends to net income (ytd only)* | 69.2695% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,627 |
| Loan loss allowance to noncurrent loans | 100.4490% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 2.3585% | 2,885 |
| Noncurrent loans to loans | 1.6181% | 4,050 |
| Net loans and leases to total assets | 56.0270% | 4,989 |
| Net loans and leases to deposits | 66.3635% | 4,919 |
| Net loans and leases to core deposits | 70.9021% | 4,935 |
| Total domestic deposits to total assets | 84.4245% | 4,312 |
| Equity capital to assets | 12.4550% | 1,650 |
| Core capital (leverage) ratio | 8.8085% | 4,914 |
| Tier 1 risk-based capital ratio | 12.9407% | 4,870 |
| Total risk-based capital ratio | 14.1929% | 4,857 |
| Memoranda: | ||
| Average total assets | $455,528,000 | 1,475 |
| Average earning assets | $409,780,500 | 1,489 |
| Average equity | $57,080,000 | 1,166 |
| Average total loans | $264,730,500 | 1,643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6662% | 1,693 |
| Cost of funding earning assets | 1.4341% | 3,051 |
| Net interest margin | 4.2321% | 2,056 |
| Noninterest income to average assets | 0.6693% | 3,023 |
| Noninterest expense to average assets | 3.0222% | 3,760 |
| Loan and lease loss provision to assets | 0.6393% | 2,576 |
| Net operating income to assets | 0.6746% | 3,323 |
| Return on assets (ROA) | 0.6746% | 3,465 |
| Pretax return on assets | 0.8278% | 3,538 |
| Return on Equity (ROE) | 5.3730% | 3,914 |
| Retained earnings to average equity (ytd only) | 1.3345% | 4,875 |
| Net charge-offs to loans | 1.1365% | 1,965 |
| Credit loss provision to net charge-offs | 92.0635% | 5,043 |
| Earnings coverage of net charge-offs (x) | 2.1127% | 4,137 |
| Efficiency ratio | 66.6323% | 4,836 |
| Assets per employee ($millions) | 2.8596% | 6,419 |
| Cash dividends to net income (ytd only)* | 75.1634% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 3,963 |
| Loan loss allowance to noncurrent loans | 84.5397% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.5021% | 2,769 |
| Noncurrent loans to loans | 1.7842% | 3,840 |
| Net loans and leases to total assets | 58.4022% | 4,969 |
| Net loans and leases to deposits | 68.6874% | 5,007 |
| Net loans and leases to core deposits | 73.4334% | 5,052 |
| Total domestic deposits to total assets | 85.0260% | 3,839 |
| Equity capital to assets | 12.6073% | 1,577 |
| Core capital (leverage) ratio | 8.7038% | 5,013 |
| Tier 1 risk-based capital ratio | 13.0170% | 4,586 |
| Total risk-based capital ratio | 14.2684% | 4,549 |
| Memoranda: | ||
| Average total assets | $453,612,600 | 1,466 |
| Average earning assets | $409,444,800 | 1,484 |
| Average equity | $56,951,200 | 1,169 |
| Average total loans | $277,163,600 | 1,613 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 1,913 |
| Cost of funding earning assets | 1.4649% | 3,183 |
| Net interest margin | 4.1758% | 2,314 |
| Noninterest income to average assets | 0.6639% | 3,046 |
| Noninterest expense to average assets | 3.0585% | 3,541 |
| Loan and lease loss provision to assets | 0.4992% | 2,964 |
| Net operating income to assets | 0.7080% | 3,375 |
| Return on assets (ROA) | 0.7080% | 3,527 |
| Pretax return on assets | 0.8753% | 3,645 |
| Return on Equity (ROE) | 5.6447% | 3,984 |
| Retained earnings to average equity (ytd only) | 1.5476% | 5,180 |
| Net charge-offs to loans | 0.9551% | 2,085 |
| Credit loss provision to net charge-offs | 84.9151% | 4,968 |
| Earnings coverage of net charge-offs (x) | 2.3382% | 4,000 |
| Efficiency ratio | 68.2983% | 4,407 |
| Assets per employee ($millions) | 3.0056% | 6,133 |
| Cash dividends to net income (ytd only)* | 72.5841% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 4,308 |
| Loan loss allowance to noncurrent loans | 50.9581% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 1.7055% | 3,890 |
| Noncurrent loans to loans | 2.8072% | 2,844 |
| Net loans and leases to total assets | 59.3831% | 5,025 |
| Net loans and leases to deposits | 69.1676% | 5,255 |
| Net loans and leases to core deposits | 73.6598% | 5,339 |
| Total domestic deposits to total assets | 85.8539% | 3,154 |
| Equity capital to assets | 12.6874% | 1,763 |
| Core capital (leverage) ratio | 8.7401% | 5,122 |
| Tier 1 risk-based capital ratio | 12.4144% | 5,068 |
| Total risk-based capital ratio | 13.6652% | 5,031 |
| Memoranda: | ||
| Average total assets | $454,061,500 | 1,481 |
| Average earning assets | $409,847,500 | 1,508 |
| Average equity | $56,948,500 | 1,169 |
| Average total loans | $279,476,500 | 1,625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 1,763 |
| Cost of funding earning assets | 1.4931% | 3,293 |
| Net interest margin | 4.2080% | 2,134 |
| Noninterest income to average assets | 0.6504% | 3,012 |
| Noninterest expense to average assets | 3.0608% | 3,468 |
| Loan and lease loss provision to assets | 0.3990% | 3,328 |
| Net operating income to assets | 0.7891% | 3,016 |
| Return on assets (ROA) | 0.7891% | 3,165 |
| Pretax return on assets | 0.9926% | 3,145 |
| Return on Equity (ROE) | 6.3170% | 3,639 |
| Retained earnings to average equity (ytd only) | 1.8809% | 4,927 |
| Net charge-offs to loans | 0.5957% | 2,737 |
| Credit loss provision to net charge-offs | 108.0432% | 3,770 |
| Earnings coverage of net charge-offs (x) | 3.7683% | 3,182 |
| Efficiency ratio | 68.0474% | 4,571 |
| Assets per employee ($millions) | 2.7417% | 6,707 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5662% | 3,604 |
| Loan loss allowance to noncurrent loans | 61.4582% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.5894% | 4,069 |
| Noncurrent loans to loans | 2.5483% | 3,109 |
| Net loans and leases to total assets | 60.5463% | 4,955 |
| Net loans and leases to deposits | 70.4023% | 5,222 |
| Net loans and leases to core deposits | 75.0122% | 5,319 |
| Total domestic deposits to total assets | 86.0004% | 3,089 |
| Equity capital to assets | 12.6870% | 1,690 |
| Core capital (leverage) ratio | 8.7854% | 4,940 |
| Tier 1 risk-based capital ratio | 12.1210% | 5,199 |
| Total risk-based capital ratio | 13.3728% | 5,176 |
| Memoranda: | ||
| Average total assets | $451,125,670 | 1,515 |
| Average earning assets | $407,600,330 | 1,518 |
| Average equity | $56,356,000 | 1,169 |
| Average total loans | $279,683,670 | 1,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6921% | 1,811 |
| Cost of funding earning assets | 1.5381% | 3,342 |
| Net interest margin | 4.1540% | 2,209 |
| Noninterest income to average assets | 0.5985% | 3,284 |
| Noninterest expense to average assets | 3.0260% | 3,579 |
| Loan and lease loss provision to assets | 0.3996% | 2,978 |
| Net operating income to assets | 0.7565% | 3,178 |
| Return on assets (ROA) | 0.7565% | 3,285 |
| Pretax return on assets | 0.9305% | 3,345 |
| Return on Equity (ROE) | 6.1035% | 3,825 |
| Retained earnings to average equity (ytd only) | -0.7020% | 5,994 |
| Net charge-offs to loans | 0.1669% | 3,926 |
| Credit loss provision to net charge-offs | 384.6154% | 1,052 |
| Earnings coverage of net charge-offs (x) | 12.8034% | 1,538 |
| Efficiency ratio | 68.7525% | 4,561 |
| Assets per employee ($millions) | 2.9850% | 6,245 |
| Cash dividends to net income (ytd only)* | 111.5023% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6661% | 3,191 |
| Loan loss allowance to noncurrent loans | 63.6827% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6329% | 4,039 |
| Noncurrent loans to loans | 2.6162% | 3,049 |
| Net loans and leases to total assets | 60.5485% | 5,034 |
| Net loans and leases to deposits | 69.7880% | 5,370 |
| Net loans and leases to core deposits | 74.6391% | 5,427 |
| Total domestic deposits to total assets | 86.7606% | 2,761 |
| Equity capital to assets | 12.4077% | 1,806 |
| Core capital (leverage) ratio | 8.5975% | 5,202 |
| Tier 1 risk-based capital ratio | 11.8457% | 5,348 |
| Total risk-based capital ratio | 13.0984% | 5,293 |
| Memoranda: | ||
| Average total assets | $450,497,000 | 1,555 |
| Average earning assets | $407,513,000 | 1,556 |
| Average equity | $55,837,000 | 1,192 |
| Average total loans | $280,396,000 | 1,678 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9930% | 1,901 |
| Cost of funding earning assets | 1.9145% | 3,385 |
| Net interest margin | 4.0785% | 2,541 |
| Noninterest income to average assets | 0.6435% | 3,332 |
| Noninterest expense to average assets | 3.0230% | 4,060 |
| Loan and lease loss provision to assets | 0.4216% | 4,299 |
| Net operating income to assets | 0.7137% | 2,878 |
| Return on assets (ROA) | 0.7137% | 2,943 |
| Pretax return on assets | 0.8962% | 2,937 |
| Return on Equity (ROE) | 5.7979% | 3,295 |
| Retained earnings to average equity (ytd only) | 1.7893% | 3,843 |
| Net charge-offs to loans | 0.8572% | 2,684 |
| Credit loss provision to net charge-offs | 75.5627% | 6,381 |
| Earnings coverage of net charge-offs (x) | 2.3617% | 3,954 |
| Efficiency ratio | 68.7729% | 4,865 |
| Assets per employee ($millions) | 2.9622% | 6,318 |
| Cash dividends to net income (ytd only)* | 69.1389% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,644 |
| Loan loss allowance to noncurrent loans | 53.7585% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.7925% | 3,677 |
| Noncurrent loans to loans | 2.8180% | 2,741 |
| Net loans and leases to total assets | 61.9563% | 4,998 |
| Net loans and leases to deposits | 71.3628% | 5,421 |
| Net loans and leases to core deposits | 93.3948% | 4,741 |
| Total domestic deposits to total assets | 86.8188% | 2,596 |
| Equity capital to assets | 12.3814% | 1,805 |
| Core capital (leverage) ratio | 8.6093% | 5,082 |
| Tier 1 risk-based capital ratio | 11.7664% | 5,142 |
| Total risk-based capital ratio | 13.0178% | 5,105 |
| Memoranda: | ||
| Average total assets | $445,875,400 | 1,555 |
| Average earning assets | $404,220,400 | 1,568 |
| Average equity | $54,882,400 | 1,196 |
| Average total loans | $290,245,000 | 1,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0657% | 1,774 |
| Cost of funding earning assets | 1.9698% | 3,518 |
| Net interest margin | 4.0959% | 2,416 |
| Noninterest income to average assets | 0.6706% | 3,215 |
| Noninterest expense to average assets | 2.9575% | 4,216 |
| Loan and lease loss provision to assets | 0.4556% | 3,637 |
| Net operating income to assets | 0.7677% | 2,949 |
| Return on assets (ROA) | 0.7677% | 3,011 |
| Pretax return on assets | 0.9724% | 2,982 |
| Return on Equity (ROE) | 6.2463% | 3,416 |
| Retained earnings to average equity (ytd only) | 1.6731% | 4,374 |
| Net charge-offs to loans | 0.8530% | 2,258 |
| Credit loss provision to net charge-offs | 81.3704% | 5,726 |
| Earnings coverage of net charge-offs (x) | 2.5503% | 3,951 |
| Efficiency ratio | 66.5892% | 5,272 |
| Assets per employee ($millions) | 3.0719% | 5,981 |
| Cash dividends to net income (ytd only)* | 73.2137% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,983 |
| Loan loss allowance to noncurrent loans | 82.5835% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.2124% | 4,647 |
| Noncurrent loans to loans | 1.9384% | 3,720 |
| Net loans and leases to total assets | 61.5443% | 5,320 |
| Net loans and leases to deposits | 71.0269% | 5,793 |
| Net loans and leases to core deposits | 93.6571% | 5,054 |
| Total domestic deposits to total assets | 86.6493% | 2,356 |
| Equity capital to assets | 12.3306% | 2,050 |
| Core capital (leverage) ratio | 8.6234% | 5,273 |
| Tier 1 risk-based capital ratio | 11.7453% | 5,206 |
| Total risk-based capital ratio | 12.9976% | 5,149 |
| Memoranda: | ||
| Average total assets | $444,780,250 | 1,572 |
| Average earning assets | $403,419,750 | 1,586 |
| Average equity | $54,666,000 | 1,220 |
| Average total loans | $291,993,000 | 1,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1124% | 1,752 |
| Cost of funding earning assets | 2.0343% | 3,599 |
| Net interest margin | 4.0781% | 2,397 |
| Noninterest income to average assets | 0.6446% | 3,381 |
| Noninterest expense to average assets | 2.9767% | 4,173 |
| Loan and lease loss provision to assets | 0.2945% | 4,208 |
| Net operating income to assets | 0.8349% | 2,724 |
| Return on assets (ROA) | 0.8349% | 2,809 |
| Pretax return on assets | 1.0677% | 2,743 |
| Return on Equity (ROE) | 6.8006% | 3,286 |
| Retained earnings to average equity (ytd only) | 0.9889% | 4,783 |
| Net charge-offs to loans | 0.7035% | 2,294 |
| Credit loss provision to net charge-offs | 62.7413% | 5,548 |
| Earnings coverage of net charge-offs (x) | 2.9025% | 3,655 |
| Efficiency ratio | 67.7594% | 5,197 |
| Assets per employee ($millions) | 2.9728% | 6,207 |
| Cash dividends to net income (ytd only)* | 85.4585% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,888 |
| Loan loss allowance to noncurrent loans | 69.6712% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4627% | 4,047 |
| Noncurrent loans to loans | 2.2483% | 3,189 |
| Net loans and leases to total assets | 64.0399% | 4,974 |
| Net loans and leases to deposits | 73.7042% | 5,495 |
| Net loans and leases to core deposits | 97.5051% | 4,740 |
| Total domestic deposits to total assets | 86.8877% | 2,313 |
| Equity capital to assets | 12.3237% | 2,017 |
| Core capital (leverage) ratio | 8.5848% | 5,286 |
| Tier 1 risk-based capital ratio | 11.7191% | 5,175 |
| Total risk-based capital ratio | 12.9716% | 5,104 |
| Memoranda: | ||
| Average total assets | $441,492,670 | 1,603 |
| Average earning assets | $399,943,000 | 1,622 |
| Average equity | $54,201,330 | 1,236 |
| Average total loans | $294,537,670 | 1,686 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0884% | 1,983 |
| Cost of funding earning assets | 2.0949% | 3,682 |
| Net interest margin | 3.9935% | 2,669 |
| Noninterest income to average assets | 0.5409% | 3,992 |
| Noninterest expense to average assets | 2.8940% | 4,176 |
| Loan and lease loss provision to assets | 0.2723% | 3,779 |
| Net operating income to assets | 0.7877% | 3,179 |
| Return on assets (ROA) | 0.7877% | 3,343 |
| Pretax return on assets | 0.9919% | 3,382 |
| Return on Equity (ROE) | 6.4286% | 3,846 |
| Retained earnings to average equity (ytd only) | -0.4222% | 5,750 |
| Net charge-offs to loans | 1.0708% | 1,271 |
| Credit loss provision to net charge-offs | 37.6412% | 4,844 |
| Earnings coverage of net charge-offs (x) | 1.7478% | 3,859 |
| Efficiency ratio | 68.7691% | 4,826 |
| Assets per employee ($millions) | 2.9387% | 6,323 |
| Cash dividends to net income (ytd only)* | 106.5668% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 2,901 |
| Loan loss allowance to noncurrent loans | 78.3135% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2667% | 4,146 |
| Noncurrent loans to loans | 1.9325% | 3,365 |
| Net loans and leases to total assets | 64.5561% | 4,891 |
| Net loans and leases to deposits | 74.0049% | 5,475 |
| Net loans and leases to core deposits | 97.1661% | 4,834 |
| Total domestic deposits to total assets | 87.2323% | 2,103 |
| Equity capital to assets | 12.1011% | 2,202 |
| Core capital (leverage) ratio | 8.5236% | 5,485 |
| Tier 1 risk-based capital ratio | 11.8714% | 5,062 |
| Total risk-based capital ratio | 13.1196% | 4,971 |
| Memoranda: | ||
| Average total assets | $440,767,000 | 1,611 |
| Average earning assets | $399,253,000 | 1,636 |
| Average equity | $54,008,500 | 1,252 |
| Average total loans | $297,719,000 | 1,677 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5021% | 2,952 |
| Cost of funding earning assets | 2.5314% | 4,040 |
| Net interest margin | 3.9706% | 3,266 |
| Noninterest income to average assets | 0.6205% | 3,710 |
| Noninterest expense to average assets | 3.0011% | 4,079 |
| Loan and lease loss provision to assets | 0.2992% | 3,982 |
| Net operating income to assets | 0.7045% | 3,876 |
| Return on assets (ROA) | 0.7045% | 3,710 |
| Pretax return on assets | 0.8966% | 3,733 |
| Return on Equity (ROE) | 5.6088% | 4,114 |
| Retained earnings to average equity (ytd only) | 2.1475% | 3,897 |
| Net charge-offs to loans | 0.5152% | 2,296 |
| Credit loss provision to net charge-offs | 85.3333% | 5,778 |
| Earnings coverage of net charge-offs (x) | 3.4107% | 4,383 |
| Efficiency ratio | 70.4778% | 4,253 |
| Assets per employee ($millions) | 2.9986% | 6,058 |
| Cash dividends to net income (ytd only)* | 61.7120% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 2,210 |
| Loan loss allowance to noncurrent loans | 72.5993% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5414% | 3,141 |
| Noncurrent loans to loans | 2.2156% | 2,487 |
| Net loans and leases to total assets | 68.4513% | 4,377 |
| Net loans and leases to deposits | 79.5190% | 5,129 |
| Net loans and leases to core deposits | 103.5698% | 4,438 |
| Total domestic deposits to total assets | 86.0817% | 2,366 |
| Equity capital to assets | 12.4075% | 2,061 |
| Core capital (leverage) ratio | 8.8548% | 4,966 |
| Tier 1 risk-based capital ratio | 11.6729% | 5,080 |
| Total risk-based capital ratio | 12.9270% | 4,973 |
| Memoranda: | ||
| Average total assets | $427,848,400 | 1,592 |
| Average earning assets | $385,353,000 | 1,613 |
| Average equity | $53,737,000 | 1,256 |
| Average total loans | $291,151,200 | 1,659 |