Home > FNB Community Bank > Performance and Condition Ratios
FNB Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 3,758 |
| Cost of funding earning assets | 1.1606% | 3,862 |
| Net interest margin | 3.4343% | 2,213 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 3.1095% | 985 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.7387% | 2,861 |
| Return on assets (ROA) | 0.7154% | 2,958 |
| Pretax return on assets | 0.7023% | 3,255 |
| Return on Equity (ROE) | 9.3400% | 2,349 |
| Retained earnings to average equity (ytd only) | 2.4385% | 3,245 |
| Net charge-offs to loans | -0.0051% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 79.3637% | 1,091 |
| Assets per employee ($millions) | 4.7575% | 3,795 |
| Cash dividends to net income (ytd only)* | 73.9056% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3999% | 233 |
| Loan loss allowance to noncurrent loans | 79.7157% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 183 |
| Noncurrent loans to loans | 3.0106% | 183 |
| Net loans and leases to total assets | 60.6800% | 2,870 |
| Net loans and leases to deposits | 67.2776% | 3,120 |
| Net loans and leases to core deposits | 69.1154% | 3,392 |
| Total domestic deposits to total assets | 90.2000% | 755 |
| Equity capital to assets | 8.7781% | 2,990 |
| Core capital (leverage) ratio | 10.8872% | 2,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7254% | 796 |
| Memoranda: | ||
| Average total assets | $488,534,800 | 1,796 |
| Average earning assets | $461,584,600 | 1,769 |
| Average equity | $37,400,200 | 2,078 |
| Average total loans | $276,434,000 | 1,947 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 3,693 |
| Cost of funding earning assets | 1.2148% | 3,795 |
| Net interest margin | 3.3901% | 2,250 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 3.0997% | 977 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.6617% | 3,074 |
| Return on assets (ROA) | 0.6313% | 3,163 |
| Pretax return on assets | 0.6142% | 3,440 |
| Return on Equity (ROE) | 8.5300% | 2,599 |
| Retained earnings to average equity (ytd only) | 1.5341% | 3,589 |
| Net charge-offs to loans | -0.0068% | 3,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 80.0912% | 1,068 |
| Assets per employee ($millions) | 4.7801% | 3,782 |
| Cash dividends to net income (ytd only)* | 82.0068% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3276% | 258 |
| Loan loss allowance to noncurrent loans | 63.3935% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 130 |
| Noncurrent loans to loans | 3.6716% | 134 |
| Net loans and leases to total assets | 59.7100% | 2,946 |
| Net loans and leases to deposits | 69.2241% | 3,047 |
| Net loans and leases to core deposits | 71.1547% | 3,336 |
| Total domestic deposits to total assets | 86.2600% | 1,841 |
| Equity capital to assets | 8.8904% | 3,108 |
| Core capital (leverage) ratio | 9.9255% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2093% | 895 |
| Memoranda: | ||
| Average total assets | $498,867,000 | 1,767 |
| Average earning assets | $470,528,000 | 1,744 |
| Average equity | $36,936,250 | 2,093 |
| Average total loans | $276,029,000 | 1,942 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 3,773 |
| Cost of funding earning assets | 1.2088% | 3,773 |
| Net interest margin | 3.2977% | 2,418 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 3.0689% | 1,014 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.4606% | 3,534 |
| Return on assets (ROA) | 0.4606% | 3,572 |
| Pretax return on assets | 0.4356% | 3,747 |
| Return on Equity (ROE) | 6.6200% | 3,093 |
| Retained earnings to average equity (ytd only) | -0.6534% | 4,018 |
| Net charge-offs to loans | -0.0073% | 3,912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 83.6715% | 883 |
| Assets per employee ($millions) | 5.1405% | 3,513 |
| Cash dividends to net income (ytd only)* | 109.8639% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 266 |
| Loan loss allowance to noncurrent loans | 58.0034% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 2.4049% | 116 |
| Noncurrent loans to loans | 4.0585% | 95 |
| Net loans and leases to total assets | 53.1300% | 3,466 |
| Net loans and leases to deposits | 64.6508% | 3,326 |
| Net loans and leases to core deposits | 66.5843% | 3,520 |
| Total domestic deposits to total assets | 82.1900% | 3,047 |
| Equity capital to assets | 7.1065% | 3,896 |
| Core capital (leverage) ratio | 9.2162% | 3,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6447% | 984 |
| Memoranda: | ||
| Average total assets | $510,599,667 | 1,732 |
| Average earning assets | $480,821,000 | 1,713 |
| Average equity | $35,507,667 | 2,119 |
| Average total loans | $273,548,667 | 1,949 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3553% | 3,897 |
| Cost of funding earning assets | 1.1515% | 3,807 |
| Net interest margin | 3.2038% | 2,559 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 3.1292% | 923 |
| Loan and lease loss provision to assets | 0.2000% | 510 |
| Net operating income to assets | 0.1017% | 4,112 |
| Return on assets (ROA) | 0.1017% | 4,150 |
| Pretax return on assets | 0.1408% | 4,115 |
| Return on Equity (ROE) | 1.4800% | 4,076 |
| Retained earnings to average equity (ytd only) | 1.4782% | 3,373 |
| Net charge-offs to loans | -0.0132% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.1939% | 582 |
| Assets per employee ($millions) | 4.8132% | 3,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 244 |
| Loan loss allowance to noncurrent loans | 59.2919% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2452% | 121 |
| Noncurrent loans to loans | 3.8958% | 101 |
| Net loans and leases to total assets | 51.4300% | 3,523 |
| Net loans and leases to deposits | 61.5305% | 3,423 |
| Net loans and leases to core deposits | 63.3131% | 3,634 |
| Total domestic deposits to total assets | 83.5900% | 2,837 |
| Equity capital to assets | 6.8222% | 3,973 |
| Core capital (leverage) ratio | 9.5007% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7944% | 957 |
| Memoranda: | ||
| Average total assets | $511,442,500 | 1,729 |
| Average earning assets | $482,171,500 | 1,710 |
| Average equity | $35,178,500 | 2,127 |
| Average total loans | $271,859,000 | 1,952 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 3,577 |
| Cost of funding earning assets | 0.7471% | 3,856 |
| Net interest margin | 3.4822% | 2,228 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.9183% | 1,239 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7614% | 3,007 |
| Return on assets (ROA) | 0.7614% | 2,984 |
| Pretax return on assets | 0.8359% | 3,125 |
| Return on Equity (ROE) | 11.9900% | 1,960 |
| Retained earnings to average equity (ytd only) | 4.0938% | 2,926 |
| Net charge-offs to loans | 0.0757% | 1,108 |
| Credit loss provision to net charge-offs | 284.3602% | 990 |
| Earnings coverage of net charge-offs (x) | 23.2559% | 1,795 |
| Efficiency ratio | 75.3961% | 1,309 |
| Assets per employee ($millions) | 4.8834% | 3,719 |
| Cash dividends to net income (ytd only)* | 65.8425% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2008% | 279 |
| Loan loss allowance to noncurrent loans | 1,514.8990% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 1,852 |
| Noncurrent loans to loans | 0.1453% | 2,790 |
| Net loans and leases to total assets | 52.4900% | 3,457 |
| Net loans and leases to deposits | 62.5467% | 3,381 |
| Net loans and leases to core deposits | 64.1613% | 3,583 |
| Total domestic deposits to total assets | 83.9200% | 2,648 |
| Equity capital to assets | 6.9352% | 3,964 |
| Core capital (leverage) ratio | 9.7939% | 2,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2559% | 1,035 |
| Memoranda: | ||
| Average total assets | $515,263,600 | 1,699 |
| Average earning assets | $484,403,200 | 1,678 |
| Average equity | $32,732,200 | 2,154 |
| Average total loans | $278,557,600 | 1,879 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2646% | 3,352 |
| Cost of funding earning assets | 0.6523% | 3,860 |
| Net interest margin | 3.6123% | 1,974 |
| Noninterest income to average assets | 0.6100% | 1,484 |
| Noninterest expense to average assets | 3.0046% | 1,065 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.8042% | 3,013 |
| Return on assets (ROA) | 0.8042% | 3,009 |
| Pretax return on assets | 0.8867% | 3,134 |
| Return on Equity (ROE) | 12.9500% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.9080% | 2,966 |
| Net charge-offs to loans | 0.0095% | 2,050 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 194.4500% | 612 |
| Efficiency ratio | 74.9775% | 1,269 |
| Assets per employee ($millions) | 4.4153% | 3,989 |
| Cash dividends to net income (ytd only)* | 62.1032% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1931% | 299 |
| Loan loss allowance to noncurrent loans | 135.2744% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 435 |
| Noncurrent loans to loans | 1.6212% | 427 |
| Net loans and leases to total assets | 54.4700% | 3,325 |
| Net loans and leases to deposits | 64.9228% | 3,204 |
| Net loans and leases to core deposits | 66.6882% | 3,393 |
| Total domestic deposits to total assets | 83.9000% | 2,804 |
| Equity capital to assets | 6.2904% | 3,898 |
| Core capital (leverage) ratio | 9.6791% | 3,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3732% | 1,044 |
| Memoranda: | ||
| Average total assets | $517,111,500 | 1,698 |
| Average earning assets | $486,064,500 | 1,675 |
| Average equity | $32,109,750 | 2,166 |
| Average total loans | $280,051,500 | 1,876 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 3,212 |
| Cost of funding earning assets | 0.5189% | 3,944 |
| Net interest margin | 3.7204% | 1,783 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.9571% | 1,115 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8185% | 3,027 |
| Return on assets (ROA) | 0.8185% | 3,038 |
| Pretax return on assets | 0.8901% | 3,194 |
| Return on Equity (ROE) | 13.2400% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.2706% | 2,872 |
| Net charge-offs to loans | 0.0071% | 1,971 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 263.5000% | 497 |
| Efficiency ratio | 74.6440% | 1,288 |
| Assets per employee ($millions) | 4.7577% | 3,785 |
| Cash dividends to net income (ytd only)* | 60.1770% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 340 |
| Loan loss allowance to noncurrent loans | 131.6964% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 422 |
| Noncurrent loans to loans | 1.6218% | 399 |
| Net loans and leases to total assets | 52.1300% | 3,399 |
| Net loans and leases to deposits | 60.1225% | 3,407 |
| Net loans and leases to core deposits | 61.6702% | 3,550 |
| Total domestic deposits to total assets | 86.7100% | 2,019 |
| Equity capital to assets | 6.2217% | 4,093 |
| Core capital (leverage) ratio | 9.0443% | 3,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0486% | 1,119 |
| Memoranda: | ||
| Average total assets | $524,642,667 | 1,676 |
| Average earning assets | $493,760,333 | 1,650 |
| Average equity | $32,444,000 | 2,170 |
| Average total loans | $281,597,000 | 1,856 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 3,153 |
| Cost of funding earning assets | 0.4308% | 3,878 |
| Net interest margin | 3.7121% | 1,875 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.9700% | 1,112 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.8240% | 3,118 |
| Return on assets (ROA) | 0.8240% | 3,068 |
| Pretax return on assets | 0.8740% | 3,303 |
| Return on Equity (ROE) | 13.3600% | 1,909 |
| Retained earnings to average equity (ytd only) | 13.3647% | 1,033 |
| Net charge-offs to loans | 0.0127% | 1,479 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 144.7778% | 622 |
| Efficiency ratio | 75.0431% | 1,243 |
| Assets per employee ($millions) | 5.1278% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 425 |
| Loan loss allowance to noncurrent loans | 127.9422% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 396 |
| Noncurrent loans to loans | 1.5740% | 412 |
| Net loans and leases to total assets | 52.4700% | 3,316 |
| Net loans and leases to deposits | 58.1558% | 3,444 |
| Net loans and leases to core deposits | 59.5615% | 3,561 |
| Total domestic deposits to total assets | 90.2300% | 1,076 |
| Equity capital to assets | 6.2999% | 4,108 |
| Core capital (leverage) ratio | 9.1518% | 3,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5246% | 1,258 |
| Memoranda: | ||
| Average total assets | $527,670,000 | 1,688 |
| Average earning assets | $496,754,500 | 1,665 |
| Average equity | $32,533,500 | 2,184 |
| Average total loans | $284,276,500 | 1,862 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2472% | 3,724 |
| Cost of funding earning assets | 0.0989% | 4,396 |
| Net interest margin | 3.1483% | 3,027 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.6399% | 1,701 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.9531% | 2,758 |
| Return on assets (ROA) | 0.9535% | 2,703 |
| Pretax return on assets | 0.9410% | 3,241 |
| Return on Equity (ROE) | 14.7200% | 1,334 |
| Retained earnings to average equity (ytd only) | 6.7274% | 2,353 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5799% | 1,486 |
| Assets per employee ($millions) | 5.6134% | 3,111 |
| Cash dividends to net income (ytd only)* | 54.3045% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 443 |
| Loan loss allowance to noncurrent loans | 122.9454% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.0656% | 396 |
| Noncurrent loans to loans | 1.6125% | 399 |
| Net loans and leases to total assets | 53.1300% | 3,273 |
| Net loans and leases to deposits | 59.0685% | 3,390 |
| Net loans and leases to core deposits | 60.3986% | 3,487 |
| Total domestic deposits to total assets | 89.9500% | 1,385 |
| Equity capital to assets | 6.0282% | 4,078 |
| Core capital (leverage) ratio | 9.1904% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1606% | 1,325 |
| Memoranda: | ||
| Average total assets | $557,940,800 | 1,590 |
| Average earning assets | $529,909,600 | 1,552 |
| Average equity | $36,136,000 | 2,065 |
| Average total loans | $254,860,600 | 1,913 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0497% | 3,792 |
| Cost of funding earning assets | 0.0914% | 4,342 |
| Net interest margin | 2.9583% | 3,333 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.5743% | 1,778 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.8135% | 3,197 |
| Return on assets (ROA) | 0.8140% | 3,161 |
| Pretax return on assets | 0.7975% | 3,579 |
| Return on Equity (ROE) | 12.3700% | 1,920 |
| Retained earnings to average equity (ytd only) | 4.3535% | 3,335 |
| Net charge-offs to loans | 0.0097% | 1,766 |
| Credit loss provision to net charge-offs | 2,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 213.2778% | 601 |
| Efficiency ratio | 74.0345% | 1,271 |
| Assets per employee ($millions) | 5.3453% | 3,382 |
| Cash dividends to net income (ytd only)* | 64.8079% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 489 |
| Loan loss allowance to noncurrent loans | 6,402.3529% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,241 |
| Noncurrent loans to loans | 0.0315% | 3,670 |
| Net loans and leases to total assets | 49.9500% | 3,466 |
| Net loans and leases to deposits | 54.8135% | 3,558 |
| Net loans and leases to core deposits | 56.0176% | 3,626 |
| Total domestic deposits to total assets | 91.1200% | 1,189 |
| Equity capital to assets | 5.5663% | 4,106 |
| Core capital (leverage) ratio | 8.5884% | 3,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2298% | 1,357 |
| Memoranda: | ||
| Average total assets | $566,913,750 | 1,577 |
| Average earning assets | $539,756,750 | 1,535 |
| Average equity | $37,302,500 | 2,049 |
| Average total loans | $247,832,750 | 1,952 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8236% | 3,940 |
| Cost of funding earning assets | 0.0927% | 4,267 |
| Net interest margin | 2.7309% | 3,640 |
| Noninterest income to average assets | 0.5287% | 2,047 |
| Noninterest expense to average assets | 2.3845% | 2,280 |
| Loan and lease loss provision to assets | 0.1035% | 964 |
| Net operating income to assets | 0.6326% | 3,533 |
| Return on assets (ROA) | 0.6326% | 3,480 |
| Pretax return on assets | 0.6430% | 3,728 |
| Return on Equity (ROE) | 9.1838% | 2,633 |
| Retained earnings to average equity (ytd only) | 1.1824% | 3,950 |
| Net charge-offs to loans | -0.0050% | 3,343 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1574% | 1,263 |
| Assets per employee ($millions) | 5.4203% | 3,301 |
| Cash dividends to net income (ytd only)* | 87.1249% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0911% | 456 |
| Loan loss allowance to noncurrent loans | 5,015.0943% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 2,298 |
| Noncurrent loans to loans | 0.0417% | 3,632 |
| Net loans and leases to total assets | 45.9217% | 3,714 |
| Net loans and leases to deposits | 50.5098% | 3,786 |
| Net loans and leases to core deposits | 51.4708% | 3,847 |
| Total domestic deposits to total assets | 90.9164% | 1,271 |
| Equity capital to assets | 5.8362% | 4,261 |
| Core capital (leverage) ratio | 7.9151% | 4,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3538% | 1,342 |
| Memoranda: | ||
| Average total assets | $579,489,667 | 1,544 |
| Average earning assets | $552,196,333 | 1,513 |
| Average equity | $39,918,000 | 1,995 |
| Average total loans | $240,528,000 | 1,993 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6329% | 4,061 |
| Cost of funding earning assets | 0.0909% | 4,252 |
| Net interest margin | 2.5419% | 3,806 |
| Noninterest income to average assets | 0.4179% | 2,568 |
| Noninterest expense to average assets | 2.3577% | 2,312 |
| Loan and lease loss provision to assets | 0.1003% | 835 |
| Net operating income to assets | 0.3698% | 4,022 |
| Return on assets (ROA) | 0.3698% | 3,984 |
| Pretax return on assets | 0.3898% | 4,048 |
| Return on Equity (ROE) | 5.0204% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.0204% | 2,590 |
| Net charge-offs to loans | -0.0034% | 3,230 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7894% | 929 |
| Assets per employee ($millions) | 6.0341% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 443 |
| Loan loss allowance to noncurrent loans | 4,096.8254% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.1812% | 2,531 |
| Noncurrent loans to loans | 0.0536% | 3,599 |
| Net loans and leases to total assets | 37.0101% | 4,156 |
| Net loans and leases to deposits | 41.2158% | 4,195 |
| Net loans and leases to core deposits | 41.8849% | 4,245 |
| Total domestic deposits to total assets | 89.7959% | 1,675 |
| Equity capital to assets | 6.4684% | 4,435 |
| Core capital (leverage) ratio | 7.6814% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2234% | 1,450 |
| Memoranda: | ||
| Average total assets | $598,219,000 | 1,506 |
| Average earning assets | $571,849,000 | 1,473 |
| Average equity | $44,060,000 | 1,917 |
| Average total loans | $233,679,000 | 2,028 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8482% | 4,135 |
| Cost of funding earning assets | 0.1103% | 4,305 |
| Net interest margin | 2.7379% | 3,801 |
| Noninterest income to average assets | 0.4854% | 2,644 |
| Noninterest expense to average assets | 2.3802% | 2,551 |
| Loan and lease loss provision to assets | 0.0806% | 1,518 |
| Net operating income to assets | 0.6337% | 3,797 |
| Return on assets (ROA) | 0.6366% | 3,838 |
| Pretax return on assets | 0.6366% | 4,053 |
| Return on Equity (ROE) | 7.2371% | 3,448 |
| Retained earnings to average equity (ytd only) | 1.9528% | 3,989 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9160% | 1,035 |
| Assets per employee ($millions) | 5.9270% | 2,841 |
| Cash dividends to net income (ytd only)* | 73.0163% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1579% | 480 |
| Loan loss allowance to noncurrent loans | 2,330.2326% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 2,234 |
| Noncurrent loans to loans | 0.0926% | 3,460 |
| Net loans and leases to total assets | 39.5118% | 4,120 |
| Net loans and leases to deposits | 45.3092% | 4,126 |
| Net loans and leases to core deposits | 46.0866% | 4,180 |
| Total domestic deposits to total assets | 87.2047% | 2,432 |
| Equity capital to assets | 8.3347% | 4,156 |
| Core capital (leverage) ratio | 8.2007% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6664% | 1,347 |
| Memoranda: | ||
| Average total assets | $558,273,200 | 1,546 |
| Average earning assets | $532,020,600 | 1,511 |
| Average equity | $49,108,400 | 1,797 |
| Average total loans | $231,987,000 | 2,038 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9022% | 4,171 |
| Cost of funding earning assets | 0.1157% | 4,384 |
| Net interest margin | 2.7865% | 3,810 |
| Noninterest income to average assets | 0.5005% | 2,621 |
| Noninterest expense to average assets | 2.4587% | 2,244 |
| Loan and lease loss provision to assets | 0.0902% | 1,330 |
| Net operating income to assets | 0.6064% | 3,996 |
| Return on assets (ROA) | 0.6102% | 4,040 |
| Pretax return on assets | 0.6102% | 4,220 |
| Return on Equity (ROE) | 6.8438% | 3,710 |
| Retained earnings to average equity (ytd only) | 1.5922% | 4,296 |
| Net charge-offs to loans | 0.0046% | 2,167 |
| Credit loss provision to net charge-offs | 4,687.5000% | 181 |
| Earnings coverage of net charge-offs (x) | 361.8750% | 387 |
| Efficiency ratio | 77.9227% | 881 |
| Assets per employee ($millions) | 5.7114% | 2,975 |
| Cash dividends to net income (ytd only)* | 76.7350% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 493 |
| Loan loss allowance to noncurrent loans | 482.0939% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 1,834 |
| Noncurrent loans to loans | 0.4463% | 2,222 |
| Net loans and leases to total assets | 39.2343% | 4,243 |
| Net loans and leases to deposits | 45.3601% | 4,259 |
| Net loans and leases to core deposits | 46.2224% | 4,310 |
| Total domestic deposits to total assets | 86.4953% | 2,556 |
| Equity capital to assets | 8.6701% | 4,091 |
| Core capital (leverage) ratio | 8.1228% | 4,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7925% | 1,392 |
| Memoranda: | ||
| Average total assets | $554,111,000 | 1,571 |
| Average earning assets | $527,908,750 | 1,537 |
| Average equity | $49,406,000 | 1,803 |
| Average total loans | $231,940,750 | 2,074 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9996% | 4,048 |
| Cost of funding earning assets | 0.1226% | 4,420 |
| Net interest margin | 2.8770% | 3,629 |
| Noninterest income to average assets | 0.4179% | 3,021 |
| Noninterest expense to average assets | 2.4878% | 2,185 |
| Loan and lease loss provision to assets | 0.1094% | 1,156 |
| Net operating income to assets | 0.5587% | 4,079 |
| Return on assets (ROA) | 0.5620% | 4,119 |
| Pretax return on assets | 0.5620% | 4,292 |
| Return on Equity (ROE) | 6.2428% | 3,842 |
| Retained earnings to average equity (ytd only) | 0.9844% | 4,345 |
| Net charge-offs to loans | -0.0309% | 4,170 |
| Credit loss provision to net charge-offs | -833.3333% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8306% | 858 |
| Assets per employee ($millions) | 5.2806% | 3,374 |
| Cash dividends to net income (ytd only)* | 84.2310% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1402% | 477 |
| Loan loss allowance to noncurrent loans | 920.3008% | 788 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 2,583 |
| Noncurrent loans to loans | 0.2326% | 3,117 |
| Net loans and leases to total assets | 39.2534% | 4,320 |
| Net loans and leases to deposits | 45.1452% | 4,343 |
| Net loans and leases to core deposits | 46.0015% | 4,397 |
| Total domestic deposits to total assets | 86.9493% | 2,351 |
| Equity capital to assets | 8.5442% | 4,164 |
| Core capital (leverage) ratio | 7.9710% | 4,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8591% | 1,369 |
| Memoranda: | ||
| Average total assets | $548,436,333 | 1,580 |
| Average earning assets | $521,939,000 | 1,544 |
| Average equity | $49,368,667 | 1,789 |
| Average total loans | $232,918,333 | 2,076 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1904% | 3,712 |
| Cost of funding earning assets | 0.1266% | 4,484 |
| Net interest margin | 3.0638% | 3,097 |
| Noninterest income to average assets | 0.4212% | 2,985 |
| Noninterest expense to average assets | 2.3732% | 2,586 |
| Loan and lease loss provision to assets | 0.1116% | 1,243 |
| Net operating income to assets | 0.8223% | 3,348 |
| Return on assets (ROA) | 0.8223% | 3,425 |
| Pretax return on assets | 0.8536% | 3,712 |
| Return on Equity (ROE) | 8.8953% | 3,064 |
| Retained earnings to average equity (ytd only) | 8.8953% | 1,979 |
| Net charge-offs to loans | -0.0306% | 4,179 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0878% | 1,598 |
| Assets per employee ($millions) | 5.2809% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0235% | 571 |
| Loan loss allowance to noncurrent loans | 888.7218% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 2,810 |
| Noncurrent loans to loans | 0.2277% | 3,286 |
| Net loans and leases to total assets | 40.1393% | 4,331 |
| Net loans and leases to deposits | 46.0862% | 4,348 |
| Net loans and leases to core deposits | 46.9659% | 4,410 |
| Total domestic deposits to total assets | 87.0961% | 2,277 |
| Equity capital to assets | 8.6201% | 4,030 |
| Core capital (leverage) ratio | 8.6417% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1481% | 1,260 |
| Memoranda: | ||
| Average total assets | $537,502,000 | 1,590 |
| Average earning assets | $511,790,500 | 1,558 |
| Average equity | $49,689,000 | 1,775 |
| Average total loans | $234,997,500 | 2,063 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 3,981 |
| Cost of funding earning assets | 0.2801% | 4,247 |
| Net interest margin | 3.2426% | 3,238 |
| Noninterest income to average assets | -0.0591% | 4,978 |
| Noninterest expense to average assets | 2.7582% | 2,044 |
| Loan and lease loss provision to assets | 0.1562% | 2,416 |
| Net operating income to assets | 0.0184% | 4,721 |
| Return on assets (ROA) | 0.0196% | 4,758 |
| Pretax return on assets | 0.0550% | 4,728 |
| Return on Equity (ROE) | 0.1886% | 4,752 |
| Retained earnings to average equity (ytd only) | -5.6223% | 4,844 |
| Net charge-offs to loans | -0.0286% | 4,522 |
| Credit loss provision to net charge-offs | -1,139.7059% | 4,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9294% | 293 |
| Assets per employee ($millions) | 4.5466% | 3,874 |
| Cash dividends to net income (ytd only)* | 3,080.4124% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 678 |
| Loan loss allowance to noncurrent loans | 804.2328% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 2,755 |
| Noncurrent loans to loans | 0.2399% | 3,336 |
| Net loans and leases to total assets | 45.9269% | 4,130 |
| Net loans and leases to deposits | 53.4939% | 4,136 |
| Net loans and leases to core deposits | 54.6483% | 4,227 |
| Total domestic deposits to total assets | 85.8544% | 2,426 |
| Equity capital to assets | 9.9500% | 3,175 |
| Core capital (leverage) ratio | 9.0193% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7070% | 1,338 |
| Memoranda: | ||
| Average total assets | $496,054,800 | 1,561 |
| Average earning assets | $463,086,400 | 1,556 |
| Average equity | $51,420,600 | 1,653 |
| Average total loans | $237,374,200 | 1,986 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 3,904 |
| Cost of funding earning assets | 0.3267% | 4,176 |
| Net interest margin | 3.3277% | 3,106 |
| Noninterest income to average assets | 0.5990% | 2,182 |
| Noninterest expense to average assets | 2.7697% | 2,057 |
| Loan and lease loss provision to assets | 0.1687% | 2,313 |
| Net operating income to assets | 0.7081% | 3,433 |
| Return on assets (ROA) | 0.7089% | 3,534 |
| Pretax return on assets | 0.7545% | 3,766 |
| Return on Equity (ROE) | 6.7694% | 3,287 |
| Retained earnings to average equity (ytd only) | 0.9925% | 4,261 |
| Net charge-offs to loans | -0.0359% | 4,590 |
| Credit loss provision to net charge-offs | -976.5625% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0165% | 1,298 |
| Assets per employee ($millions) | 4.7420% | 3,551 |
| Cash dividends to net income (ytd only)* | 85.3389% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7970% | 730 |
| Loan loss allowance to noncurrent loans | 778.4452% | 741 |
| Noncurrent assets plus other real estate owned to assets | 1.6192% | 501 |
| Noncurrent loans to loans | 0.2308% | 3,478 |
| Net loans and leases to total assets | 47.4536% | 4,242 |
| Net loans and leases to deposits | 56.0155% | 4,258 |
| Net loans and leases to core deposits | 57.2367% | 4,330 |
| Total domestic deposits to total assets | 84.7151% | 2,543 |
| Equity capital to assets | 10.5610% | 2,737 |
| Core capital (leverage) ratio | 9.3815% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5869% | 1,115 |
| Memoranda: | ||
| Average total assets | $493,900,500 | 1,549 |
| Average earning assets | $459,083,000 | 1,545 |
| Average equity | $51,722,000 | 1,628 |
| Average total loans | $237,632,750 | 1,984 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6723% | 4,138 |
| Cost of funding earning assets | 0.3889% | 4,083 |
| Net interest margin | 3.2835% | 3,423 |
| Noninterest income to average assets | 0.4961% | 2,592 |
| Noninterest expense to average assets | 2.7703% | 2,163 |
| Loan and lease loss provision to assets | 0.1532% | 2,471 |
| Net operating income to assets | 0.5649% | 3,846 |
| Return on assets (ROA) | 0.5660% | 3,922 |
| Pretax return on assets | 0.6171% | 4,025 |
| Return on Equity (ROE) | 5.4207% | 3,711 |
| Retained earnings to average equity (ytd only) | -0.4266% | 4,391 |
| Net charge-offs to loans | -0.0510% | 4,687 |
| Credit loss provision to net charge-offs | -625.0000% | 3,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2704% | 1,028 |
| Assets per employee ($millions) | 4.9181% | 3,280 |
| Cash dividends to net income (ytd only)* | 107.8700% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 846 |
| Loan loss allowance to noncurrent loans | 2,661.5385% | 233 |
| Noncurrent assets plus other real estate owned to assets | 1.4834% | 633 |
| Noncurrent loans to loans | 0.0632% | 4,224 |
| Net loans and leases to total assets | 46.1268% | 4,360 |
| Net loans and leases to deposits | 54.6664% | 4,353 |
| Net loans and leases to core deposits | 55.8755% | 4,439 |
| Total domestic deposits to total assets | 84.3787% | 2,603 |
| Equity capital to assets | 10.0021% | 3,207 |
| Core capital (leverage) ratio | 9.2632% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1088% | 1,227 |
| Memoranda: | ||
| Average total assets | $489,401,667 | 1,531 |
| Average earning assets | $453,607,333 | 1,530 |
| Average equity | $51,100,667 | 1,637 |
| Average total loans | $235,115,667 | 1,981 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 4,127 |
| Cost of funding earning assets | 0.4805% | 4,029 |
| Net interest margin | 3.3708% | 3,397 |
| Noninterest income to average assets | 0.5801% | 2,127 |
| Noninterest expense to average assets | 2.9360% | 2,034 |
| Loan and lease loss provision to assets | 0.0637% | 2,967 |
| Net operating income to assets | 0.6312% | 3,511 |
| Return on assets (ROA) | 0.6336% | 3,561 |
| Pretax return on assets | 0.6871% | 3,723 |
| Return on Equity (ROE) | 5.9285% | 3,338 |
| Retained earnings to average equity (ytd only) | 5.9285% | 1,902 |
| Net charge-offs to loans | -0.0035% | 3,758 |
| Credit loss provision to net charge-offs | -3,750.0000% | 3,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6911% | 1,171 |
| Assets per employee ($millions) | 4.4313% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 964 |
| Loan loss allowance to noncurrent loans | 501.1889% | 965 |
| Noncurrent assets plus other real estate owned to assets | 1.7247% | 559 |
| Noncurrent loans to loans | 0.3282% | 3,318 |
| Net loans and leases to total assets | 46.5355% | 4,403 |
| Net loans and leases to deposits | 54.8429% | 4,407 |
| Net loans and leases to core deposits | 56.1123% | 4,488 |
| Total domestic deposits to total assets | 84.8523% | 2,460 |
| Equity capital to assets | 10.3137% | 3,510 |
| Core capital (leverage) ratio | 10.2092% | 3,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5369% | 1,064 |
| Memoranda: | ||
| Average total assets | $470,983,500 | 1,531 |
| Average earning assets | $433,724,000 | 1,539 |
| Average equity | $50,333,500 | 1,654 |
| Average total loans | $229,229,000 | 1,991 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 4,189 |
| Cost of funding earning assets | 0.5110% | 4,040 |
| Net interest margin | 3.5197% | 3,386 |
| Noninterest income to average assets | 0.5890% | 2,273 |
| Noninterest expense to average assets | 2.8457% | 2,455 |
| Loan and lease loss provision to assets | 0.4420% | 311 |
| Net operating income to assets | 0.5722% | 4,242 |
| Return on assets (ROA) | 0.5787% | 4,277 |
| Pretax return on assets | 0.6311% | 4,368 |
| Return on Equity (ROE) | 5.6033% | 4,036 |
| Retained earnings to average equity (ytd only) | -0.4563% | 4,765 |
| Net charge-offs to loans | 0.8773% | 184 |
| Credit loss provision to net charge-offs | 101.4911% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.4478% | 3,416 |
| Efficiency ratio | 72.7497% | 1,765 |
| Assets per employee ($millions) | 4.0224% | 3,874 |
| Cash dividends to net income (ytd only)* | 108.1433% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 914 |
| Loan loss allowance to noncurrent loans | 370.5882% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 432 |
| Noncurrent loans to loans | 0.4402% | 2,868 |
| Net loans and leases to total assets | 49.3072% | 4,356 |
| Net loans and leases to deposits | 58.5392% | 4,351 |
| Net loans and leases to core deposits | 59.8247% | 4,451 |
| Total domestic deposits to total assets | 84.2293% | 2,777 |
| Equity capital to assets | 11.0872% | 2,915 |
| Core capital (leverage) ratio | 10.5423% | 2,909 |
| Tier 1 risk-based capital ratio | 17.4163% | 1,920 |
| Total risk-based capital ratio | 18.6672% | 1,875 |
| Memoranda: | ||
| Average total assets | $477,415,200 | 1,480 |
| Average earning assets | $450,694,800 | 1,453 |
| Average equity | $49,310,200 | 1,622 |
| Average total loans | $236,968,600 | 1,907 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 4,268 |
| Cost of funding earning assets | 0.5275% | 4,038 |
| Net interest margin | 3.5187% | 3,511 |
| Noninterest income to average assets | 0.5922% | 2,248 |
| Noninterest expense to average assets | 2.7829% | 2,613 |
| Loan and lease loss provision to assets | 0.2511% | 645 |
| Net operating income to assets | 0.8663% | 3,464 |
| Return on assets (ROA) | 0.8754% | 3,511 |
| Pretax return on assets | 0.9030% | 3,868 |
| Return on Equity (ROE) | 8.6242% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.5312% | 4,080 |
| Net charge-offs to loans | 0.0546% | 2,052 |
| Credit loss provision to net charge-offs | 928.5714% | 381 |
| Earnings coverage of net charge-offs (x) | 42.3276% | 1,318 |
| Efficiency ratio | 70.8544% | 1,987 |
| Assets per employee ($millions) | 4.0663% | 3,808 |
| Cash dividends to net income (ytd only)* | 70.6495% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 590 |
| Loan loss allowance to noncurrent loans | 42.9239% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 2.2605% | 336 |
| Noncurrent loans to loans | 4.3389% | 143 |
| Net loans and leases to total assets | 51.1295% | 4,363 |
| Net loans and leases to deposits | 59.9352% | 4,387 |
| Net loans and leases to core deposits | 61.2710% | 4,490 |
| Total domestic deposits to total assets | 85.3081% | 2,290 |
| Equity capital to assets | 11.1045% | 3,009 |
| Core capital (leverage) ratio | 10.4225% | 3,168 |
| Tier 1 risk-based capital ratio | 17.6919% | 1,902 |
| Total risk-based capital ratio | 18.9459% | 1,861 |
| Memoranda: | ||
| Average total assets | $483,137,500 | 1,476 |
| Average earning assets | $457,960,500 | 1,446 |
| Average equity | $49,039,250 | 1,635 |
| Average total loans | $239,253,000 | 1,901 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 4,135 |
| Cost of funding earning assets | 0.5459% | 3,899 |
| Net interest margin | 3.5652% | 3,377 |
| Noninterest income to average assets | 0.5285% | 2,519 |
| Noninterest expense to average assets | 2.8179% | 2,524 |
| Loan and lease loss provision to assets | 0.0654% | 2,510 |
| Net operating income to assets | 1.0248% | 2,826 |
| Return on assets (ROA) | 1.0317% | 2,877 |
| Pretax return on assets | 1.0317% | 3,443 |
| Return on Equity (ROE) | 10.4755% | 2,189 |
| Retained earnings to average equity (ytd only) | 4.2798% | 3,112 |
| Net charge-offs to loans | 0.0285% | 2,283 |
| Credit loss provision to net charge-offs | 470.5882% | 630 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 828 |
| Efficiency ratio | 72.1049% | 1,906 |
| Assets per employee ($millions) | 4.3854% | 3,308 |
| Cash dividends to net income (ytd only)* | 59.1449% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,105 |
| Loan loss allowance to noncurrent loans | 438.1609% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 3,852 |
| Noncurrent loans to loans | 0.3578% | 3,258 |
| Net loans and leases to total assets | 50.0769% | 4,463 |
| Net loans and leases to deposits | 58.4187% | 4,498 |
| Net loans and leases to core deposits | 59.7357% | 4,582 |
| Total domestic deposits to total assets | 85.7207% | 2,172 |
| Equity capital to assets | 10.6394% | 3,398 |
| Core capital (leverage) ratio | 9.9721% | 3,608 |
| Tier 1 risk-based capital ratio | 17.1433% | 2,047 |
| Total risk-based capital ratio | 18.3940% | 1,994 |
| Memoranda: | ||
| Average total assets | $489,663,330 | 1,459 |
| Average earning assets | $464,152,670 | 1,439 |
| Average equity | $48,227,000 | 1,652 |
| Average total loans | $238,499,330 | 1,917 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 4,260 |
| Cost of funding earning assets | 0.5675% | 3,745 |
| Net interest margin | 3.4829% | 3,644 |
| Noninterest income to average assets | 0.4715% | 2,730 |
| Noninterest expense to average assets | 2.8247% | 2,480 |
| Loan and lease loss provision to assets | 0.0605% | 2,446 |
| Net operating income to assets | 0.8961% | 3,247 |
| Return on assets (ROA) | 0.9098% | 3,243 |
| Pretax return on assets | 0.9098% | 3,732 |
| Return on Equity (ROE) | 9.6095% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.6095% | 1,132 |
| Net charge-offs to loans | 0.0220% | 2,012 |
| Credit loss provision to net charge-offs | 576.9231% | 557 |
| Earnings coverage of net charge-offs (x) | 91.1538% | 711 |
| Efficiency ratio | 74.7011% | 1,651 |
| Assets per employee ($millions) | 4.8355% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,165 |
| Loan loss allowance to noncurrent loans | 449.4005% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 4,002 |
| Noncurrent loans to loans | 0.3461% | 3,339 |
| Net loans and leases to total assets | 46.2791% | 4,658 |
| Net loans and leases to deposits | 56.1211% | 4,594 |
| Net loans and leases to core deposits | 57.3540% | 4,662 |
| Total domestic deposits to total assets | 82.4629% | 3,595 |
| Equity capital to assets | 9.4358% | 4,316 |
| Core capital (leverage) ratio | 9.8064% | 3,811 |
| Tier 1 risk-based capital ratio | 16.8584% | 2,154 |
| Total risk-based capital ratio | 18.1084% | 2,101 |
| Memoranda: | ||
| Average total assets | $495,492,500 | 1,449 |
| Average earning assets | $470,875,000 | 1,417 |
| Average equity | $46,912,000 | 1,670 |
| Average total loans | $236,158,000 | 1,950 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7499% | 4,588 |
| Cost of funding earning assets | 0.2761% | 4,673 |
| Net interest margin | 3.4737% | 3,791 |
| Noninterest income to average assets | 0.6239% | 2,176 |
| Noninterest expense to average assets | 2.8083% | 2,661 |
| Loan and lease loss provision to assets | 0.0686% | 2,769 |
| Net operating income to assets | 1.0412% | 2,842 |
| Return on assets (ROA) | 1.0412% | 2,830 |
| Pretax return on assets | 1.0412% | 3,475 |
| Return on Equity (ROE) | 11.0800% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.5959% | 2,997 |
| Net charge-offs to loans | 0.0070% | 3,434 |
| Credit loss provision to net charge-offs | 2,166.6667% | 208 |
| Earnings coverage of net charge-offs (x) | 350.6667% | 295 |
| Efficiency ratio | 71.6747% | 1,947 |
| Assets per employee ($millions) | 4.1602% | 3,670 |
| Cash dividends to net income (ytd only)* | 58.5208% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,047 |
| Loan loss allowance to noncurrent loans | 490.8123% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 4,007 |
| Noncurrent loans to loans | 0.3246% | 3,390 |
| Net loans and leases to total assets | 47.5882% | 4,667 |
| Net loans and leases to deposits | 57.6908% | 4,587 |
| Net loans and leases to core deposits | 59.1023% | 4,668 |
| Total domestic deposits to total assets | 82.4884% | 3,490 |
| Equity capital to assets | 9.5020% | 4,131 |
| Core capital (leverage) ratio | 10.1568% | 3,401 |
| Tier 1 risk-based capital ratio | 17.1808% | 2,004 |
| Total risk-based capital ratio | 18.4311% | 1,949 |
| Memoranda: | ||
| Average total assets | $473,950,200 | 1,473 |
| Average earning assets | $449,457,000 | 1,449 |
| Average equity | $44,539,600 | 1,675 |
| Average total loans | $213,152,200 | 2,075 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6710% | 4,700 |
| Cost of funding earning assets | 0.2222% | 4,930 |
| Net interest margin | 3.4487% | 3,865 |
| Noninterest income to average assets | 0.6376% | 2,130 |
| Noninterest expense to average assets | 2.7953% | 2,649 |
| Loan and lease loss provision to assets | 0.0423% | 3,143 |
| Net operating income to assets | 1.0732% | 2,770 |
| Return on assets (ROA) | 1.0732% | 2,781 |
| Pretax return on assets | 1.0732% | 3,491 |
| Return on Equity (ROE) | 11.4525% | 1,998 |
| Retained earnings to average equity (ytd only) | 5.0101% | 3,229 |
| Net charge-offs to loans | 0.0070% | 3,172 |
| Credit loss provision to net charge-offs | 1,363.6364% | 296 |
| Earnings coverage of net charge-offs (x) | 359.5453% | 260 |
| Efficiency ratio | 71.4760% | 1,964 |
| Assets per employee ($millions) | 4.0573% | 3,799 |
| Cash dividends to net income (ytd only)* | 56.2534% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 4,985 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.2408% | 4,791 |
| Net loans and leases to deposits | 53.5159% | 4,838 |
| Net loans and leases to core deposits | 54.9812% | 4,875 |
| Total domestic deposits to total assets | 86.4059% | 2,012 |
| Equity capital to assets | 9.2742% | 4,305 |
| Core capital (leverage) ratio | 10.1575% | 3,459 |
| Tier 1 risk-based capital ratio | 18.0103% | 1,788 |
| Total risk-based capital ratio | 19.2611% | 1,748 |
| Memoranda: | ||
| Average total assets | $472,831,000 | 1,489 |
| Average earning assets | $448,772,250 | 1,459 |
| Average equity | $44,309,500 | 1,686 |
| Average total loans | $208,600,000 | 2,113 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,766 |
| Cost of funding earning assets | 0.2015% | 5,023 |
| Net interest margin | 3.4006% | 3,952 |
| Noninterest income to average assets | 0.5968% | 2,337 |
| Noninterest expense to average assets | 2.7464% | 2,855 |
| Loan and lease loss provision to assets | 0.0317% | 3,278 |
| Net operating income to assets | 1.0550% | 2,788 |
| Return on assets (ROA) | 1.0550% | 2,780 |
| Pretax return on assets | 1.0550% | 3,495 |
| Return on Equity (ROE) | 11.2195% | 2,029 |
| Retained earnings to average equity (ytd only) | 4.9585% | 3,095 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6505% | 2,059 |
| Assets per employee ($millions) | 4.2718% | 3,466 |
| Cash dividends to net income (ytd only)* | 55.8046% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,138 |
| Loan loss allowance to noncurrent loans | 7,502.1739% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,997 |
| Noncurrent loans to loans | 0.0212% | 4,838 |
| Net loans and leases to total assets | 44.5777% | 4,883 |
| Net loans and leases to deposits | 50.2632% | 4,974 |
| Net loans and leases to core deposits | 51.5482% | 5,009 |
| Total domestic deposits to total assets | 88.6885% | 1,060 |
| Equity capital to assets | 9.1480% | 4,437 |
| Core capital (leverage) ratio | 9.7959% | 3,792 |
| Tier 1 risk-based capital ratio | 17.8872% | 1,830 |
| Total risk-based capital ratio | 19.1376% | 1,794 |
| Memoranda: | ||
| Average total assets | $473,557,670 | 1,490 |
| Average earning assets | $450,689,330 | 1,453 |
| Average equity | $44,529,670 | 1,689 |
| Average total loans | $204,417,330 | 2,150 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 4,812 |
| Cost of funding earning assets | 0.2015% | 5,004 |
| Net interest margin | 3.3352% | 4,090 |
| Noninterest income to average assets | 0.5977% | 2,271 |
| Noninterest expense to average assets | 2.7577% | 2,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0163% | 2,795 |
| Return on assets (ROA) | 1.0163% | 2,814 |
| Pretax return on assets | 1.0163% | 3,476 |
| Return on Equity (ROE) | 10.6612% | 2,101 |
| Retained earnings to average equity (ytd only) | 10.6612% | 975 |
| Net charge-offs to loans | 0.0161% | 2,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 149.6250% | 435 |
| Efficiency ratio | 73.0709% | 2,032 |
| Assets per employee ($millions) | 4.0784% | 3,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,048 |
| Loan loss allowance to noncurrent loans | 8,214.6341% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 5,087 |
| Noncurrent loans to loans | 0.0201% | 4,900 |
| Net loans and leases to total assets | 41.2904% | 5,011 |
| Net loans and leases to deposits | 46.7120% | 5,082 |
| Net loans and leases to core deposits | 48.0323% | 5,099 |
| Total domestic deposits to total assets | 88.3935% | 1,410 |
| Equity capital to assets | 9.1323% | 4,432 |
| Core capital (leverage) ratio | 9.9423% | 3,593 |
| Tier 1 risk-based capital ratio | 18.7114% | 1,629 |
| Total risk-based capital ratio | 19.9622% | 1,588 |
| Memoranda: | ||
| Average total assets | $471,115,000 | 1,510 |
| Average earning assets | $448,666,000 | 1,465 |
| Average equity | $44,910,500 | 1,677 |
| Average total loans | $198,261,000 | 2,207 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 4,960 |
| Cost of funding earning assets | 0.2329% | 4,707 |
| Net interest margin | 3.1548% | 4,556 |
| Noninterest income to average assets | 0.6913% | 2,002 |
| Noninterest expense to average assets | 2.8748% | 2,536 |
| Loan and lease loss provision to assets | 0.1459% | 1,561 |
| Net operating income to assets | 0.6663% | 3,745 |
| Return on assets (ROA) | 0.7013% | 3,654 |
| Pretax return on assets | 0.7013% | 4,506 |
| Return on Equity (ROE) | 7.0144% | 3,272 |
| Retained earnings to average equity (ytd only) | 1.9763% | 4,137 |
| Net charge-offs to loans | -0.0021% | 4,534 |
| Credit loss provision to net charge-offs | -16,875.0000% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9713% | 1,357 |
| Assets per employee ($millions) | 4.0795% | 3,843 |
| Cash dividends to net income (ytd only)* | 71.8249% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 858 |
| Loan loss allowance to noncurrent loans | 8,234.1463% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,128 |
| Noncurrent loans to loans | 0.0213% | 4,921 |
| Net loans and leases to total assets | 41.4496% | 5,085 |
| Net loans and leases to deposits | 47.6506% | 5,135 |
| Net loans and leases to core deposits | 49.0764% | 5,165 |
| Total domestic deposits to total assets | 86.9866% | 2,004 |
| Equity capital to assets | 9.9582% | 3,747 |
| Core capital (leverage) ratio | 10.1559% | 3,238 |
| Tier 1 risk-based capital ratio | 18.8621% | 1,539 |
| Total risk-based capital ratio | 20.1133% | 1,507 |
| Memoranda: | ||
| Average total assets | $462,575,200 | 1,504 |
| Average earning assets | $439,238,800 | 1,473 |
| Average equity | $46,247,800 | 1,630 |
| Average total loans | $193,839,200 | 2,212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,025 |
| Cost of funding earning assets | 0.2391% | 4,660 |
| Net interest margin | 3.1186% | 4,659 |
| Noninterest income to average assets | 0.6871% | 2,052 |
| Noninterest expense to average assets | 2.7712% | 2,823 |
| Loan and lease loss provision to assets | 0.1940% | 988 |
| Net operating income to assets | 0.6830% | 4,063 |
| Return on assets (ROA) | 0.6873% | 4,110 |
| Pretax return on assets | 0.6873% | 4,638 |
| Return on Equity (ROE) | 6.8682% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.0300% | 4,626 |
| Net charge-offs to loans | -0.0082% | 4,578 |
| Credit loss provision to net charge-offs | -5,625.0000% | 5,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9609% | 1,599 |
| Assets per employee ($millions) | 3.8547% | 4,226 |
| Cash dividends to net income (ytd only)* | 70.4432% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 898 |
| Loan loss allowance to noncurrent loans | 42,300.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,269 |
| Noncurrent loans to loans | 0.0042% | 5,131 |
| Net loans and leases to total assets | 40.5262% | 5,174 |
| Net loans and leases to deposits | 46.4220% | 5,240 |
| Net loans and leases to core deposits | 47.8284% | 5,262 |
| Total domestic deposits to total assets | 87.2995% | 1,730 |
| Equity capital to assets | 10.2302% | 3,663 |
| Core capital (leverage) ratio | 10.1131% | 3,426 |
| Tier 1 risk-based capital ratio | 18.9367% | 1,602 |
| Total risk-based capital ratio | 20.1880% | 1,562 |
| Memoranda: | ||
| Average total assets | $463,994,250 | 1,505 |
| Average earning assets | $440,566,500 | 1,475 |
| Average equity | $46,435,000 | 1,639 |
| Average total loans | $194,109,250 | 2,219 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 5,045 |
| Cost of funding earning assets | 0.2455% | 4,583 |
| Net interest margin | 3.0939% | 4,702 |
| Noninterest income to average assets | 0.6351% | 2,290 |
| Noninterest expense to average assets | 2.8010% | 2,759 |
| Loan and lease loss provision to assets | 0.1938% | 954 |
| Net operating income to assets | 0.5761% | 4,406 |
| Return on assets (ROA) | 0.5761% | 4,465 |
| Pretax return on assets | 0.5761% | 4,848 |
| Return on Equity (ROE) | 5.7998% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.2917% | 4,732 |
| Net charge-offs to loans | 0.0092% | 3,136 |
| Credit loss provision to net charge-offs | 5,000.0000% | 91 |
| Earnings coverage of net charge-offs (x) | 198.6667% | 414 |
| Efficiency ratio | 78.4396% | 1,402 |
| Assets per employee ($millions) | 3.8991% | 4,132 |
| Cash dividends to net income (ytd only)* | 77.7280% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6325% | 1,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 40.0784% | 5,222 |
| Net loans and leases to deposits | 45.5941% | 5,294 |
| Net loans and leases to core deposits | 47.0235% | 5,316 |
| Total domestic deposits to total assets | 87.9026% | 1,505 |
| Equity capital to assets | 9.9810% | 3,932 |
| Core capital (leverage) ratio | 9.7186% | 3,875 |
| Tier 1 risk-based capital ratio | 18.7125% | 1,661 |
| Total risk-based capital ratio | 19.9626% | 1,629 |
| Memoranda: | ||
| Average total assets | $464,471,330 | 1,508 |
| Average earning assets | $440,736,000 | 1,482 |
| Average equity | $46,139,670 | 1,645 |
| Average total loans | $195,198,000 | 2,212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3196% | 5,071 |
| Cost of funding earning assets | 0.2532% | 4,508 |
| Net interest margin | 3.0665% | 4,745 |
| Noninterest income to average assets | 0.6441% | 2,206 |
| Noninterest expense to average assets | 2.8984% | 2,459 |
| Loan and lease loss provision to assets | 0.1953% | 853 |
| Net operating income to assets | 0.4627% | 4,729 |
| Return on assets (ROA) | 0.4627% | 4,751 |
| Pretax return on assets | 0.4627% | 5,026 |
| Return on Equity (ROE) | 4.6688% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.6688% | 3,077 |
| Net charge-offs to loans | 0.0081% | 2,689 |
| Credit loss provision to net charge-offs | 5,625.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 189.5000% | 299 |
| Efficiency ratio | 81.4987% | 1,205 |
| Assets per employee ($millions) | 3.8766% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4734% | 1,785 |
| Loan loss allowance to noncurrent loans | 36,475.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,385 |
| Noncurrent loans to loans | 0.0040% | 5,254 |
| Net loans and leases to total assets | 40.9230% | 5,212 |
| Net loans and leases to deposits | 46.4121% | 5,286 |
| Net loans and leases to core deposits | 47.9464% | 5,302 |
| Total domestic deposits to total assets | 88.1730% | 1,608 |
| Equity capital to assets | 9.7031% | 4,061 |
| Core capital (leverage) ratio | 9.8784% | 3,651 |
| Tier 1 risk-based capital ratio | 18.2962% | 1,781 |
| Total risk-based capital ratio | 19.4399% | 1,779 |
| Memoranda: | ||
| Average total assets | $460,809,500 | 1,529 |
| Average earning assets | $437,638,000 | 1,497 |
| Average equity | $45,664,500 | 1,657 |
| Average total loans | $196,684,000 | 2,212 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 5,037 |
| Cost of funding earning assets | 0.3117% | 3,933 |
| Net interest margin | 3.0596% | 4,822 |
| Noninterest income to average assets | 0.6989% | 2,178 |
| Noninterest expense to average assets | 2.8918% | 2,700 |
| Loan and lease loss provision to assets | 0.0646% | 3,079 |
| Net operating income to assets | 0.6515% | 3,989 |
| Return on assets (ROA) | 0.7243% | 3,787 |
| Pretax return on assets | 0.7243% | 4,411 |
| Return on Equity (ROE) | 7.0502% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.3857% | 4,165 |
| Net charge-offs to loans | 0.0346% | 3,338 |
| Credit loss provision to net charge-offs | 447.7612% | 717 |
| Earnings coverage of net charge-offs (x) | 49.6269% | 1,012 |
| Efficiency ratio | 80.1516% | 1,403 |
| Assets per employee ($millions) | 3.8017% | 4,310 |
| Cash dividends to net income (ytd only)* | 66.1612% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 2,164 |
| Loan loss allowance to noncurrent loans | 7,705.7143% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,382 |
| Noncurrent loans to loans | 0.0179% | 5,207 |
| Net loans and leases to total assets | 43.3059% | 5,157 |
| Net loans and leases to deposits | 49.3232% | 5,236 |
| Net loans and leases to core deposits | 51.0418% | 5,266 |
| Total domestic deposits to total assets | 87.8002% | 1,743 |
| Equity capital to assets | 10.1310% | 3,570 |
| Core capital (leverage) ratio | 9.8263% | 3,710 |
| Tier 1 risk-based capital ratio | 18.8224% | 1,646 |
| Total risk-based capital ratio | 19.9224% | 1,652 |
| Memoranda: | ||
| Average total assets | $464,314,400 | 1,466 |
| Average earning assets | $441,460,600 | 1,442 |
| Average equity | $47,701,000 | 1,586 |
| Average total loans | $193,734,000 | 2,166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3291% | 5,171 |
| Cost of funding earning assets | 0.3139% | 3,932 |
| Net interest margin | 3.0152% | 4,984 |
| Noninterest income to average assets | 0.6925% | 2,200 |
| Noninterest expense to average assets | 2.8164% | 2,950 |
| Loan and lease loss provision to assets | 0.0639% | 2,954 |
| Net operating income to assets | 0.6809% | 3,953 |
| Return on assets (ROA) | 0.7769% | 3,619 |
| Pretax return on assets | 0.7769% | 4,388 |
| Return on Equity (ROE) | 7.5376% | 3,276 |
| Retained earnings to average equity (ytd only) | 3.1953% | 3,994 |
| Net charge-offs to loans | 0.0510% | 2,639 |
| Credit loss provision to net charge-offs | 304.0541% | 1,018 |
| Earnings coverage of net charge-offs (x) | 35.4204% | 1,334 |
| Efficiency ratio | 79.0855% | 1,543 |
| Assets per employee ($millions) | 4.3041% | 3,409 |
| Cash dividends to net income (ytd only)* | 57.6080% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,626 |
| Loan loss allowance to noncurrent loans | 4,933.9623% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,480 |
| Noncurrent loans to loans | 0.0266% | 5,279 |
| Net loans and leases to total assets | 41.5773% | 5,315 |
| Net loans and leases to deposits | 49.6869% | 5,310 |
| Net loans and leases to core deposits | 51.8047% | 5,319 |
| Total domestic deposits to total assets | 83.6787% | 3,326 |
| Equity capital to assets | 10.3946% | 3,687 |
| Core capital (leverage) ratio | 9.7987% | 3,809 |
| Tier 1 risk-based capital ratio | 18.3103% | 1,830 |
| Total risk-based capital ratio | 19.3474% | 1,853 |
| Memoranda: | ||
| Average total assets | $469,194,500 | 1,458 |
| Average earning assets | $446,395,750 | 1,429 |
| Average equity | $48,360,750 | 1,570 |
| Average total loans | $193,337,750 | 2,174 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3240% | 5,240 |
| Cost of funding earning assets | 0.3143% | 3,972 |
| Net interest margin | 3.0097% | 5,059 |
| Noninterest income to average assets | 0.6097% | 2,570 |
| Noninterest expense to average assets | 2.8941% | 2,696 |
| Loan and lease loss provision to assets | 0.0641% | 2,861 |
| Net operating income to assets | 0.5131% | 4,626 |
| Return on assets (ROA) | 0.6306% | 4,277 |
| Pretax return on assets | 0.6306% | 4,816 |
| Return on Equity (ROE) | 6.1360% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.2880% | 4,422 |
| Net charge-offs to loans | 0.0418% | 2,625 |
| Credit loss provision to net charge-offs | 375.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,297 |
| Efficiency ratio | 83.3723% | 1,104 |
| Assets per employee ($millions) | 4.0786% | 3,772 |
| Cash dividends to net income (ytd only)* | 62.7119% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 2,926 |
| Loan loss allowance to noncurrent loans | 645.1128% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 5,191 |
| Noncurrent loans to loans | 0.1975% | 4,650 |
| Net loans and leases to total assets | 42.1550% | 5,334 |
| Net loans and leases to deposits | 49.0642% | 5,379 |
| Net loans and leases to core deposits | 51.0905% | 5,396 |
| Total domestic deposits to total assets | 85.9182% | 2,462 |
| Equity capital to assets | 10.2975% | 3,864 |
| Core capital (leverage) ratio | 9.4983% | 4,209 |
| Tier 1 risk-based capital ratio | 17.8996% | 1,960 |
| Total risk-based capital ratio | 18.9109% | 1,987 |
| Memoranda: | ||
| Average total assets | $467,776,670 | 1,469 |
| Average earning assets | $444,761,670 | 1,441 |
| Average equity | $48,076,670 | 1,577 |
| Average total loans | $191,296,330 | 2,200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2780% | 5,361 |
| Cost of funding earning assets | 0.3264% | 3,884 |
| Net interest margin | 2.9515% | 5,213 |
| Noninterest income to average assets | 0.5943% | 2,568 |
| Noninterest expense to average assets | 2.9447% | 2,557 |
| Loan and lease loss provision to assets | 0.0645% | 2,667 |
| Net operating income to assets | 0.3922% | 5,018 |
| Return on assets (ROA) | 0.4102% | 5,041 |
| Pretax return on assets | 0.4102% | 5,289 |
| Return on Equity (ROE) | 3.9954% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,494 |
| Net charge-offs to loans | 0.0323% | 2,311 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 35.4000% | 1,083 |
| Efficiency ratio | 86.5740% | 919 |
| Assets per employee ($millions) | 3.8648% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,623 |
| Loan loss allowance to noncurrent loans | 2,499.0099% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,559 |
| Noncurrent loans to loans | 0.0542% | 5,271 |
| Net loans and leases to total assets | 38.6342% | 5,525 |
| Net loans and leases to deposits | 43.9444% | 5,592 |
| Net loans and leases to core deposits | 45.6993% | 5,602 |
| Total domestic deposits to total assets | 87.9162% | 1,689 |
| Equity capital to assets | 10.1662% | 3,882 |
| Core capital (leverage) ratio | 9.4779% | 4,235 |
| Tier 1 risk-based capital ratio | 18.8188% | 1,774 |
| Total risk-based capital ratio | 19.8631% | 1,779 |
| Memoranda: | ||
| Average total assets | $465,108,500 | 1,474 |
| Average earning assets | $442,348,500 | 1,445 |
| Average equity | $47,755,500 | 1,583 |
| Average total loans | $185,937,000 | 2,252 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3541% | 5,250 |
| Cost of funding earning assets | 0.3721% | 3,460 |
| Net interest margin | 2.9819% | 5,180 |
| Noninterest income to average assets | 0.7285% | 2,072 |
| Noninterest expense to average assets | 2.7294% | 3,486 |
| Loan and lease loss provision to assets | 0.0486% | 3,360 |
| Net operating income to assets | 0.7821% | 3,413 |
| Return on assets (ROA) | 0.8941% | 2,988 |
| Pretax return on assets | 0.8941% | 3,857 |
| Return on Equity (ROE) | 8.1138% | 2,891 |
| Retained earnings to average equity (ytd only) | -4.9384% | 5,914 |
| Net charge-offs to loans | 0.0521% | 3,156 |
| Credit loss provision to net charge-offs | 234.3750% | 1,219 |
| Earnings coverage of net charge-offs (x) | 40.0833% | 1,180 |
| Efficiency ratio | 76.6675% | 2,166 |
| Assets per employee ($millions) | 3.8876% | 4,141 |
| Cash dividends to net income (ytd only)* | 160.8643% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,766 |
| Loan loss allowance to noncurrent loans | 4,106.6667% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 5,650 |
| Noncurrent loans to loans | 0.0323% | 5,382 |
| Net loans and leases to total assets | 40.2840% | 5,493 |
| Net loans and leases to deposits | 46.0552% | 5,560 |
| Net loans and leases to core deposits | 47.9530% | 5,565 |
| Total domestic deposits to total assets | 87.4689% | 1,897 |
| Equity capital to assets | 10.3736% | 3,532 |
| Core capital (leverage) ratio | 9.7723% | 3,810 |
| Tier 1 risk-based capital ratio | 18.8405% | 1,735 |
| Total risk-based capital ratio | 19.8719% | 1,749 |
| Memoranda: | ||
| Average total assets | $463,257,400 | 1,454 |
| Average earning assets | $439,885,400 | 1,413 |
| Average equity | $51,048,600 | 1,456 |
| Average total loans | $184,318,000 | 2,194 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3371% | 5,348 |
| Cost of funding earning assets | 0.3821% | 3,405 |
| Net interest margin | 2.9551% | 5,296 |
| Noninterest income to average assets | 0.7466% | 2,040 |
| Noninterest expense to average assets | 2.6597% | 3,685 |
| Loan and lease loss provision to assets | 0.0645% | 2,897 |
| Net operating income to assets | 0.8280% | 3,290 |
| Return on assets (ROA) | 0.8315% | 3,358 |
| Pretax return on assets | 0.8315% | 4,237 |
| Return on Equity (ROE) | 7.4387% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.3121% | 4,731 |
| Net charge-offs to loans | 0.0696% | 2,567 |
| Credit loss provision to net charge-offs | 234.3750% | 1,192 |
| Earnings coverage of net charge-offs (x) | 32.4471% | 1,417 |
| Efficiency ratio | 74.8750% | 2,427 |
| Assets per employee ($millions) | 3.9790% | 3,913 |
| Cash dividends to net income (ytd only)* | 68.9179% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 2,736 |
| Loan loss allowance to noncurrent loans | 2,161.4035% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 5,702 |
| Noncurrent loans to loans | 0.0634% | 5,365 |
| Net loans and leases to total assets | 38.0973% | 5,697 |
| Net loans and leases to deposits | 44.3635% | 5,711 |
| Net loans and leases to core deposits | 46.2881% | 5,727 |
| Total domestic deposits to total assets | 85.8755% | 2,600 |
| Equity capital to assets | 11.1475% | 2,854 |
| Core capital (leverage) ratio | 10.3081% | 3,248 |
| Tier 1 risk-based capital ratio | 19.1531% | 1,737 |
| Total risk-based capital ratio | 20.1275% | 1,772 |
| Memoranda: | ||
| Average total assets | $465,360,250 | 1,453 |
| Average earning assets | $441,808,500 | 1,410 |
| Average equity | $52,014,750 | 1,439 |
| Average total loans | $183,974,000 | 2,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3515% | 5,335 |
| Cost of funding earning assets | 0.3880% | 3,391 |
| Net interest margin | 2.9635% | 5,310 |
| Noninterest income to average assets | 0.6714% | 2,345 |
| Noninterest expense to average assets | 2.6357% | 3,788 |
| Loan and lease loss provision to assets | 0.0645% | 2,830 |
| Net operating income to assets | 0.7844% | 3,468 |
| Return on assets (ROA) | 0.7849% | 3,568 |
| Pretax return on assets | 0.7849% | 4,368 |
| Return on Equity (ROE) | 7.0157% | 3,596 |
| Retained earnings to average equity (ytd only) | 2.0210% | 4,688 |
| Net charge-offs to loans | 0.0281% | 3,103 |
| Credit loss provision to net charge-offs | 576.9231% | 569 |
| Earnings coverage of net charge-offs (x) | 75.9615% | 735 |
| Efficiency ratio | 75.6383% | 2,423 |
| Assets per employee ($millions) | 4.1133% | 3,654 |
| Cash dividends to net income (ytd only)* | 71.1939% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 3,031 |
| Loan loss allowance to noncurrent loans | 3,725.7576% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 5,841 |
| Noncurrent loans to loans | 0.0360% | 5,604 |
| Net loans and leases to total assets | 38.2614% | 5,726 |
| Net loans and leases to deposits | 44.1396% | 5,761 |
| Net loans and leases to core deposits | 46.0251% | 5,763 |
| Total domestic deposits to total assets | 86.6827% | 2,324 |
| Equity capital to assets | 10.8815% | 3,013 |
| Core capital (leverage) ratio | 9.9633% | 3,658 |
| Tier 1 risk-based capital ratio | 18.6059% | 1,896 |
| Total risk-based capital ratio | 19.5579% | 1,943 |
| Memoranda: | ||
| Average total assets | $465,300,670 | 1,461 |
| Average earning assets | $441,713,330 | 1,418 |
| Average equity | $52,054,330 | 1,448 |
| Average total loans | $185,358,000 | 2,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4075% | 5,182 |
| Cost of funding earning assets | 0.3956% | 3,356 |
| Net interest margin | 3.0119% | 5,186 |
| Noninterest income to average assets | 0.6155% | 2,572 |
| Noninterest expense to average assets | 2.6526% | 3,740 |
| Loan and lease loss provision to assets | 0.0650% | 2,633 |
| Net operating income to assets | 0.7559% | 3,505 |
| Return on assets (ROA) | 0.7568% | 3,636 |
| Pretax return on assets | 0.7568% | 4,401 |
| Return on Equity (ROE) | 6.6711% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.6711% | 2,158 |
| Net charge-offs to loans | -0.0215% | 5,081 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3664% | 2,457 |
| Assets per employee ($millions) | 4.1087% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 3,377 |
| Loan loss allowance to noncurrent loans | 109.2551% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 4,152 |
| Noncurrent loans to loans | 1.1943% | 2,386 |
| Net loans and leases to total assets | 38.7388% | 5,677 |
| Net loans and leases to deposits | 44.9303% | 5,710 |
| Net loans and leases to core deposits | 46.7483% | 5,719 |
| Total domestic deposits to total assets | 86.2198% | 2,819 |
| Equity capital to assets | 11.2039% | 2,750 |
| Core capital (leverage) ratio | 10.3741% | 3,128 |
| Tier 1 risk-based capital ratio | 18.7337% | 1,931 |
| Total risk-based capital ratio | 19.6703% | 1,975 |
| Memoranda: | ||
| Average total assets | $461,434,500 | 1,475 |
| Average earning assets | $437,860,000 | 1,436 |
| Average equity | $52,345,000 | 1,449 |
| Average total loans | $186,313,000 | 2,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 5,265 |
| Cost of funding earning assets | 0.4761% | 2,925 |
| Net interest margin | 3.0487% | 5,317 |
| Noninterest income to average assets | 0.7287% | 2,168 |
| Noninterest expense to average assets | 2.6928% | 3,890 |
| Loan and lease loss provision to assets | 0.2002% | 1,269 |
| Net operating income to assets | 0.7207% | 3,791 |
| Return on assets (ROA) | 0.7812% | 3,551 |
| Pretax return on assets | 0.7812% | 4,328 |
| Return on Equity (ROE) | 7.0100% | 3,628 |
| Retained earnings to average equity (ytd only) | 3.1167% | 4,020 |
| Net charge-offs to loans | 0.0161% | 4,550 |
| Credit loss provision to net charge-offs | 3,214.2857% | 89 |
| Earnings coverage of net charge-offs (x) | 147.8214% | 368 |
| Efficiency ratio | 74.5167% | 2,749 |
| Assets per employee ($millions) | 3.7846% | 4,371 |
| Cash dividends to net income (ytd only)* | 55.5397% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,732 |
| Loan loss allowance to noncurrent loans | 926.5873% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,792 |
| Noncurrent loans to loans | 0.1346% | 5,356 |
| Net loans and leases to total assets | 41.0397% | 5,686 |
| Net loans and leases to deposits | 47.7470% | 5,696 |
| Net loans and leases to core deposits | 49.7895% | 5,722 |
| Total domestic deposits to total assets | 85.9525% | 2,868 |
| Equity capital to assets | 11.4909% | 2,435 |
| Core capital (leverage) ratio | 10.4949% | 2,950 |
| Tier 1 risk-based capital ratio | 19.8686% | 1,622 |
| Total risk-based capital ratio | 20.8446% | 1,651 |
| Memoranda: | ||
| Average total assets | $449,455,200 | 1,479 |
| Average earning assets | $425,325,200 | 1,439 |
| Average equity | $50,085,800 | 1,439 |
| Average total loans | $173,944,000 | 2,292 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 5,302 |
| Cost of funding earning assets | 0.4861% | 2,897 |
| Net interest margin | 3.0508% | 5,379 |
| Noninterest income to average assets | 0.7577% | 2,061 |
| Noninterest expense to average assets | 2.6552% | 3,992 |
| Loan and lease loss provision to assets | 0.1781% | 1,382 |
| Net operating income to assets | 0.8097% | 3,385 |
| Return on assets (ROA) | 0.8138% | 3,461 |
| Pretax return on assets | 0.8138% | 4,317 |
| Return on Equity (ROE) | 7.3605% | 3,519 |
| Retained earnings to average equity (ytd only) | 3.7366% | 3,985 |
| Net charge-offs to loans | 0.0055% | 4,504 |
| Credit loss provision to net charge-offs | 8,571.4286% | 48 |
| Earnings coverage of net charge-offs (x) | 475.5863% | 161 |
| Efficiency ratio | 72.8858% | 3,023 |
| Assets per employee ($millions) | 3.7883% | 4,313 |
| Cash dividends to net income (ytd only)* | 49.2343% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 4,583 |
| Loan loss allowance to noncurrent loans | 893.9130% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,947 |
| Noncurrent loans to loans | 0.1270% | 5,542 |
| Net loans and leases to total assets | 39.7327% | 5,832 |
| Net loans and leases to deposits | 47.0861% | 5,815 |
| Net loans and leases to core deposits | 49.2899% | 5,824 |
| Total domestic deposits to total assets | 84.3832% | 3,599 |
| Equity capital to assets | 11.2923% | 2,664 |
| Core capital (leverage) ratio | 10.3757% | 3,186 |
| Tier 1 risk-based capital ratio | 20.2566% | 1,600 |
| Total risk-based capital ratio | 21.1360% | 1,672 |
| Memoranda: | ||
| Average total assets | $449,228,000 | 1,490 |
| Average earning assets | $424,836,500 | 1,455 |
| Average equity | $49,669,500 | 1,453 |
| Average total loans | $170,639,250 | 2,336 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 5,398 |
| Cost of funding earning assets | 0.4937% | 2,894 |
| Net interest margin | 3.0121% | 5,487 |
| Noninterest income to average assets | 0.7172% | 2,199 |
| Noninterest expense to average assets | 2.6209% | 4,168 |
| Loan and lease loss provision to assets | 0.1337% | 1,851 |
| Net operating income to assets | 0.8072% | 3,284 |
| Return on assets (ROA) | 0.8135% | 3,366 |
| Pretax return on assets | 0.8135% | 4,220 |
| Return on Equity (ROE) | 7.4101% | 3,413 |
| Retained earnings to average equity (ytd only) | 4.3648% | 3,400 |
| Net charge-offs to loans | -0.0598% | 5,951 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5828% | 3,046 |
| Assets per employee ($millions) | 3.8213% | 4,213 |
| Cash dividends to net income (ytd only)* | 41.0959% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,221 |
| Loan loss allowance to noncurrent loans | 934.5361% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 6,070 |
| Noncurrent loans to loans | 0.1100% | 5,685 |
| Net loans and leases to total assets | 38.0666% | 5,953 |
| Net loans and leases to deposits | 43.9584% | 5,985 |
| Net loans and leases to core deposits | 45.9992% | 5,995 |
| Total domestic deposits to total assets | 86.5969% | 2,702 |
| Equity capital to assets | 11.1205% | 2,767 |
| Core capital (leverage) ratio | 10.1755% | 3,376 |
| Tier 1 risk-based capital ratio | 20.3089% | 1,608 |
| Total risk-based capital ratio | 21.0916% | 1,691 |
| Memoranda: | ||
| Average total assets | $448,703,330 | 1,486 |
| Average earning assets | $423,751,000 | 1,459 |
| Average equity | $49,257,330 | 1,457 |
| Average total loans | $167,128,330 | 2,368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 5,345 |
| Cost of funding earning assets | 0.5056% | 2,843 |
| Net interest margin | 3.0268% | 5,455 |
| Noninterest income to average assets | 0.6291% | 2,575 |
| Noninterest expense to average assets | 2.5761% | 4,354 |
| Loan and lease loss provision to assets | 0.1352% | 1,795 |
| Net operating income to assets | 0.7725% | 3,295 |
| Return on assets (ROA) | 0.7725% | 3,377 |
| Pretax return on assets | 0.7725% | 4,211 |
| Return on Equity (ROE) | 7.0843% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.0843% | 2,000 |
| Net charge-offs to loans | -0.1034% | 6,128 |
| Credit loss provision to net charge-offs | -357.1429% | 5,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9457% | 3,152 |
| Assets per employee ($millions) | 4.0299% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 5,611 |
| Loan loss allowance to noncurrent loans | 56.1779% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 0.6527% | 4,167 |
| Noncurrent loans to loans | 1.7381% | 2,230 |
| Net loans and leases to total assets | 37.1869% | 6,007 |
| Net loans and leases to deposits | 42.7461% | 6,035 |
| Net loans and leases to core deposits | 44.8618% | 6,042 |
| Total domestic deposits to total assets | 86.9948% | 2,813 |
| Equity capital to assets | 10.8844% | 2,845 |
| Core capital (leverage) ratio | 10.1836% | 3,315 |
| Tier 1 risk-based capital ratio | 20.7898% | 1,512 |
| Total risk-based capital ratio | 21.5246% | 1,617 |
| Memoranda: | ||
| Average total assets | $443,776,500 | 1,509 |
| Average earning assets | $418,521,500 | 1,477 |
| Average equity | $48,389,000 | 1,481 |
| Average total loans | $162,507,500 | 2,427 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2652% | 6,055 |
| Cost of funding earning assets | 0.5841% | 2,793 |
| Net interest margin | 2.6810% | 6,164 |
| Noninterest income to average assets | 0.6992% | 2,548 |
| Noninterest expense to average assets | 2.5899% | 4,497 |
| Loan and lease loss provision to assets | 0.0466% | 4,193 |
| Net operating income to assets | 0.5956% | 4,282 |
| Return on assets (ROA) | 0.6446% | 4,165 |
| Pretax return on assets | 0.6446% | 4,723 |
| Return on Equity (ROE) | 5.9392% | 4,120 |
| Retained earnings to average equity (ytd only) | 2.7191% | 4,304 |
| Net charge-offs to loans | 0.3929% | 1,716 |
| Credit loss provision to net charge-offs | 35.1171% | 4,145 |
| Earnings coverage of net charge-offs (x) | 4.8395% | 3,438 |
| Efficiency ratio | 80.1318% | 2,130 |
| Assets per employee ($millions) | 3.8603% | 4,140 |
| Cash dividends to net income (ytd only)* | 54.2169% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 5,789 |
| Loan loss allowance to noncurrent loans | 304.7917% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 6,000 |
| Noncurrent loans to loans | 0.3086% | 5,261 |
| Net loans and leases to total assets | 35.3170% | 6,233 |
| Net loans and leases to deposits | 40.4515% | 6,286 |
| Net loans and leases to core deposits | 42.6174% | 6,284 |
| Total domestic deposits to total assets | 87.3070% | 2,575 |
| Equity capital to assets | 10.9241% | 2,684 |
| Core capital (leverage) ratio | 10.4695% | 2,950 |
| Tier 1 risk-based capital ratio | 21.8786% | 1,281 |
| Total risk-based capital ratio | 22.5749% | 1,343 |
| Memoranda: | ||
| Average total assets | $450,671,400 | 1,474 |
| Average earning assets | $425,768,000 | 1,434 |
| Average equity | $48,912,400 | 1,442 |
| Average total loans | $152,185,600 | 2,530 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2004% | 6,193 |
| Cost of funding earning assets | 0.5998% | 2,811 |
| Net interest margin | 2.6006% | 6,314 |
| Noninterest income to average assets | 0.7217% | 2,502 |
| Noninterest expense to average assets | 2.5405% | 4,583 |
| Loan and lease loss provision to assets | 0.0176% | 4,660 |
| Net operating income to assets | 0.6210% | 4,252 |
| Return on assets (ROA) | 0.6210% | 4,379 |
| Pretax return on assets | 0.6210% | 4,944 |
| Return on Equity (ROE) | 5.7311% | 4,327 |
| Retained earnings to average equity (ytd only) | 2.3455% | 4,921 |
| Net charge-offs to loans | 0.3638% | 1,742 |
| Credit loss provision to net charge-offs | 14.5278% | 4,159 |
| Earnings coverage of net charge-offs (x) | 5.2688% | 3,236 |
| Efficiency ratio | 79.9114% | 2,111 |
| Assets per employee ($millions) | 3.9769% | 3,878 |
| Cash dividends to net income (ytd only)* | 59.0740% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 5,813 |
| Loan loss allowance to noncurrent loans | 222.5854% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 5,959 |
| Noncurrent loans to loans | 0.4394% | 5,098 |
| Net loans and leases to total assets | 34.3587% | 6,345 |
| Net loans and leases to deposits | 39.8364% | 6,388 |
| Net loans and leases to core deposits | 42.0511% | 6,383 |
| Total domestic deposits to total assets | 86.2495% | 3,104 |
| Equity capital to assets | 10.6541% | 3,112 |
| Core capital (leverage) ratio | 10.0418% | 3,621 |
| Tier 1 risk-based capital ratio | 21.8004% | 1,350 |
| Total risk-based capital ratio | 22.5181% | 1,408 |
| Memoranda: | ||
| Average total assets | $454,287,000 | 1,469 |
| Average earning assets | $429,271,750 | 1,427 |
| Average equity | $49,227,500 | 1,446 |
| Average total loans | $151,352,250 | 2,550 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 6,224 |
| Cost of funding earning assets | 0.6024% | 2,913 |
| Net interest margin | 2.6010% | 6,337 |
| Noninterest income to average assets | 0.6568% | 2,875 |
| Noninterest expense to average assets | 2.5357% | 4,607 |
| Loan and lease loss provision to assets | 0.0131% | 4,618 |
| Net operating income to assets | 0.5657% | 4,474 |
| Return on assets (ROA) | 0.5657% | 4,640 |
| Pretax return on assets | 0.5657% | 5,145 |
| Return on Equity (ROE) | 5.1922% | 4,623 |
| Retained earnings to average equity (ytd only) | 2.1898% | 4,885 |
| Net charge-offs to loans | 0.4325% | 1,498 |
| Credit loss provision to net charge-offs | 9.2025% | 3,908 |
| Earnings coverage of net charge-offs (x) | 4.0706% | 3,220 |
| Efficiency ratio | 81.4172% | 1,975 |
| Assets per employee ($millions) | 4.1659% | 3,437 |
| Cash dividends to net income (ytd only)* | 57.8258% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 5,757 |
| Loan loss allowance to noncurrent loans | 233.8346% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.1438% | 6,066 |
| Noncurrent loans to loans | 0.4344% | 5,177 |
| Net loans and leases to total assets | 32.7681% | 6,474 |
| Net loans and leases to deposits | 37.7065% | 6,495 |
| Net loans and leases to core deposits | 39.8783% | 6,481 |
| Total domestic deposits to total assets | 86.9032% | 2,884 |
| Equity capital to assets | 10.2387% | 3,607 |
| Core capital (leverage) ratio | 9.5152% | 4,221 |
| Tier 1 risk-based capital ratio | 21.1786% | 1,452 |
| Total risk-based capital ratio | 21.9074% | 1,545 |
| Memoranda: | ||
| Average total assets | $458,570,330 | 1,448 |
| Average earning assets | $433,298,000 | 1,410 |
| Average equity | $49,959,670 | 1,431 |
| Average total loans | $150,746,330 | 2,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 6,182 |
| Cost of funding earning assets | 0.6305% | 2,841 |
| Net interest margin | 2.6531% | 6,292 |
| Noninterest income to average assets | 0.5843% | 3,225 |
| Noninterest expense to average assets | 2.5823% | 4,459 |
| Loan and lease loss provision to assets | 0.0131% | 4,287 |
| Net operating income to assets | 0.4914% | 4,709 |
| Return on assets (ROA) | 0.4914% | 4,865 |
| Pretax return on assets | 0.4914% | 5,288 |
| Return on Equity (ROE) | 4.3771% | 4,912 |
| Retained earnings to average equity (ytd only) | 4.3771% | 3,611 |
| Net charge-offs to loans | 0.8691% | 698 |
| Credit loss provision to net charge-offs | 4.6154% | 3,197 |
| Earnings coverage of net charge-offs (x) | 1.7723% | 3,244 |
| Efficiency ratio | 83.6549% | 1,813 |
| Assets per employee ($millions) | 4.0695% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 5,883 |
| Loan loss allowance to noncurrent loans | 220.1429% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 5,944 |
| Noncurrent loans to loans | 0.4671% | 5,254 |
| Net loans and leases to total assets | 31.9701% | 6,515 |
| Net loans and leases to deposits | 36.9918% | 6,539 |
| Net loans and leases to core deposits | 39.1958% | 6,514 |
| Total domestic deposits to total assets | 86.4248% | 3,288 |
| Equity capital to assets | 11.1034% | 2,841 |
| Core capital (leverage) ratio | 9.5522% | 3,995 |
| Tier 1 risk-based capital ratio | 21.5684% | 1,410 |
| Total risk-based capital ratio | 22.3037% | 1,496 |
| Memoranda: | ||
| Average total assets | $456,650,500 | 1,473 |
| Average earning assets | $430,739,000 | 1,428 |
| Average equity | $51,267,000 | 1,414 |
| Average total loans | $149,580,500 | 2,586 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 6,123 |
| Cost of funding earning assets | 0.7430% | 3,132 |
| Net interest margin | 2.9137% | 6,200 |
| Noninterest income to average assets | 0.7224% | 2,616 |
| Noninterest expense to average assets | 2.5577% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8908% | 2,860 |
| Return on assets (ROA) | 1.0953% | 2,137 |
| Pretax return on assets | 1.0953% | 3,174 |
| Return on Equity (ROE) | 9.7065% | 2,310 |
| Retained earnings to average equity (ytd only) | 2.2795% | 4,630 |
| Net charge-offs to loans | 0.1115% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 24.4940% | 1,173 |
| Efficiency ratio | 74.1677% | 3,044 |
| Assets per employee ($millions) | 4.0123% | 3,920 |
| Cash dividends to net income (ytd only)* | 76.5153% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 4,936 |
| Loan loss allowance to noncurrent loans | 287.8694% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 6,029 |
| Noncurrent loans to loans | 0.4307% | 5,419 |
| Net loans and leases to total assets | 32.8125% | 6,597 |
| Net loans and leases to deposits | 38.9757% | 6,598 |
| Net loans and leases to core deposits | 41.4236% | 6,567 |
| Total domestic deposits to total assets | 84.1871% | 4,228 |
| Equity capital to assets | 11.3541% | 2,579 |
| Core capital (leverage) ratio | 9.8947% | 3,554 |
| Tier 1 risk-based capital ratio | 21.7033% | 1,320 |
| Total risk-based capital ratio | 22.6032% | 1,361 |
| Memoranda: | ||
| Average total assets | $456,421,800 | 1,437 |
| Average earning assets | $427,056,200 | 1,416 |
| Average equity | $51,501,400 | 1,381 |
| Average total loans | $148,844,800 | 2,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 6,196 |
| Cost of funding earning assets | 0.7636% | 3,242 |
| Net interest margin | 2.9543% | 6,264 |
| Noninterest income to average assets | 0.7368% | 2,540 |
| Noninterest expense to average assets | 2.6329% | 4,626 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8657% | 3,154 |
| Return on assets (ROA) | 1.1372% | 2,154 |
| Pretax return on assets | 1.1372% | 3,199 |
| Return on Equity (ROE) | 10.0938% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9613% | 2,718 |
| Net charge-offs to loans | 0.0896% | 4,481 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,106 |
| Efficiency ratio | 75.2558% | 2,785 |
| Assets per employee ($millions) | 3.8603% | 4,176 |
| Cash dividends to net income (ytd only)* | 40.9416% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 4,901 |
| Loan loss allowance to noncurrent loans | 308.6957% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 6,352 |
| Noncurrent loans to loans | 0.4145% | 5,622 |
| Net loans and leases to total assets | 32.1935% | 6,736 |
| Net loans and leases to deposits | 38.0113% | 6,752 |
| Net loans and leases to core deposits | 40.5245% | 6,724 |
| Total domestic deposits to total assets | 84.6945% | 3,892 |
| Equity capital to assets | 11.5903% | 2,658 |
| Core capital (leverage) ratio | 9.8059% | 3,808 |
| Tier 1 risk-based capital ratio | 22.2813% | 1,279 |
| Total risk-based capital ratio | 23.2145% | 1,311 |
| Memoranda: | ||
| Average total assets | $458,182,250 | 1,452 |
| Average earning assets | $428,330,500 | 1,424 |
| Average equity | $51,621,000 | 1,383 |
| Average total loans | $148,730,000 | 2,620 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7953% | 6,152 |
| Cost of funding earning assets | 0.7923% | 3,254 |
| Net interest margin | 3.0030% | 6,239 |
| Noninterest income to average assets | 0.7348% | 2,497 |
| Noninterest expense to average assets | 2.7074% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8327% | 3,227 |
| Return on assets (ROA) | 1.2403% | 1,766 |
| Pretax return on assets | 1.2403% | 2,764 |
| Return on Equity (ROE) | 11.1158% | 1,949 |
| Retained earnings to average equity (ytd only) | 6.8089% | 2,210 |
| Net charge-offs to loans | 0.0849% | 4,298 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 30.2540% | 1,062 |
| Efficiency ratio | 76.4778% | 2,671 |
| Assets per employee ($millions) | 4.0925% | 3,678 |
| Cash dividends to net income (ytd only)* | 38.7460% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,904 |
| Loan loss allowance to noncurrent loans | 312.6400% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 6,456 |
| Noncurrent loans to loans | 0.4149% | 5,704 |
| Net loans and leases to total assets | 31.5925% | 6,825 |
| Net loans and leases to deposits | 36.6657% | 6,853 |
| Net loans and leases to core deposits | 38.9514% | 6,830 |
| Total domestic deposits to total assets | 86.1636% | 3,275 |
| Equity capital to assets | 10.8934% | 3,236 |
| Core capital (leverage) ratio | 9.7058% | 3,826 |
| Tier 1 risk-based capital ratio | 21.5326% | 1,382 |
| Total risk-based capital ratio | 22.4634% | 1,411 |
| Memoranda: | ||
| Average total assets | $457,784,330 | 1,453 |
| Average earning assets | $427,636,330 | 1,432 |
| Average equity | $51,080,330 | 1,390 |
| Average total loans | $148,371,330 | 2,638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 6,057 |
| Cost of funding earning assets | 0.8401% | 3,149 |
| Net interest margin | 3.0428% | 6,208 |
| Noninterest income to average assets | 0.6602% | 2,866 |
| Noninterest expense to average assets | 2.5886% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9155% | 2,846 |
| Return on assets (ROA) | 1.2478% | 1,781 |
| Pretax return on assets | 1.2478% | 2,733 |
| Return on Equity (ROE) | 11.0462% | 1,999 |
| Retained earnings to average equity (ytd only) | 11.0462% | 1,013 |
| Net charge-offs to loans | 0.0245% | 4,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 114.7778% | 308 |
| Efficiency ratio | 73.8746% | 3,115 |
| Assets per employee ($millions) | 4.3188% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,753 |
| Loan loss allowance to noncurrent loans | 314.2410% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 6,551 |
| Noncurrent loans to loans | 0.4340% | 5,801 |
| Net loans and leases to total assets | 30.8508% | 6,872 |
| Net loans and leases to deposits | 35.8740% | 6,896 |
| Net loans and leases to core deposits | 38.2896% | 6,873 |
| Total domestic deposits to total assets | 85.9978% | 3,527 |
| Equity capital to assets | 10.9418% | 2,975 |
| Core capital (leverage) ratio | 9.9528% | 3,424 |
| Tier 1 risk-based capital ratio | 21.6555% | 1,347 |
| Total risk-based capital ratio | 22.6246% | 1,378 |
| Memoranda: | ||
| Average total assets | $451,355,000 | 1,479 |
| Average earning assets | $421,841,500 | 1,452 |
| Average equity | $50,986,000 | 1,390 |
| Average total loans | $147,236,000 | 2,672 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2743% | 5,841 |
| Cost of funding earning assets | 1.0752% | 2,844 |
| Net interest margin | 3.1991% | 6,097 |
| Noninterest income to average assets | 0.7697% | 2,233 |
| Noninterest expense to average assets | 2.6298% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.1220% | 1,747 |
| Return on assets (ROA) | 1.1477% | 1,786 |
| Pretax return on assets | 1.1477% | 2,661 |
| Return on Equity (ROE) | 10.1157% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.9900% | 2,023 |
| Net charge-offs to loans | 0.0708% | 5,605 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 44.0917% | 623 |
| Efficiency ratio | 70.0933% | 3,939 |
| Assets per employee ($millions) | 3.8227% | 4,262 |
| Cash dividends to net income (ytd only)* | 40.7852% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,602 |
| Loan loss allowance to noncurrent loans | 367.8832% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 6,632 |
| Noncurrent loans to loans | 0.3722% | 5,975 |
| Net loans and leases to total assets | 33.6183% | 6,882 |
| Net loans and leases to deposits | 39.1310% | 6,919 |
| Net loans and leases to core deposits | 42.2149% | 6,879 |
| Total domestic deposits to total assets | 85.9123% | 3,368 |
| Equity capital to assets | 11.6825% | 2,352 |
| Core capital (leverage) ratio | 10.3026% | 2,968 |
| Tier 1 risk-based capital ratio | 21.7185% | 1,279 |
| Total risk-based capital ratio | 22.7259% | 1,294 |
| Memoranda: | ||
| Average total assets | $428,325,800 | 1,522 |
| Average earning assets | $399,271,800 | 1,492 |
| Average equity | $48,597,800 | 1,405 |
| Average total loans | $154,005,200 | 2,581 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 5,861 |
| Cost of funding earning assets | 1.1122% | 2,893 |
| Net interest margin | 3.2144% | 6,127 |
| Noninterest income to average assets | 0.7702% | 2,196 |
| Noninterest expense to average assets | 2.6228% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1442% | 1,830 |
| Return on assets (ROA) | 1.1442% | 1,948 |
| Pretax return on assets | 1.1442% | 2,841 |
| Return on Equity (ROE) | 10.1608% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.1996% | 2,426 |
| Net charge-offs to loans | 0.0120% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 261.9464% | 152 |
| Efficiency ratio | 69.6257% | 4,016 |
| Assets per employee ($millions) | 3.6643% | 4,608 |
| Cash dividends to net income (ytd only)* | 38.9859% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 4,586 |
| Loan loss allowance to noncurrent loans | 405.1823% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 6,744 |
| Noncurrent loans to loans | 0.3442% | 6,161 |
| Net loans and leases to total assets | 34.8132% | 6,919 |
| Net loans and leases to deposits | 40.8974% | 6,948 |
| Net loans and leases to core deposits | 44.3352% | 6,910 |
| Total domestic deposits to total assets | 85.1232% | 3,713 |
| Equity capital to assets | 11.9108% | 2,320 |
| Core capital (leverage) ratio | 10.2448% | 3,134 |
| Tier 1 risk-based capital ratio | 21.1820% | 1,423 |
| Total risk-based capital ratio | 22.2270% | 1,438 |
| Memoranda: | ||
| Average total assets | $427,416,250 | 1,537 |
| Average earning assets | $398,488,000 | 1,510 |
| Average equity | $48,131,250 | 1,424 |
| Average total loans | $155,697,750 | 2,577 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 5,893 |
| Cost of funding earning assets | 1.1293% | 3,039 |
| Net interest margin | 3.2054% | 6,146 |
| Noninterest income to average assets | 0.7466% | 2,272 |
| Noninterest expense to average assets | 2.5781% | 5,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1546% | 1,703 |
| Return on assets (ROA) | 1.1546% | 1,783 |
| Pretax return on assets | 1.1546% | 2,656 |
| Return on Equity (ROE) | 10.4552% | 1,962 |
| Retained earnings to average equity (ytd only) | 6.4046% | 2,187 |
| Net charge-offs to loans | -0.0153% | 6,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0676% | 4,317 |
| Assets per employee ($millions) | 3.7240% | 4,373 |
| Cash dividends to net income (ytd only)* | 38.7424% | 2,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 4,530 |
| Loan loss allowance to noncurrent loans | 1,811.0169% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 6,869 |
| Noncurrent loans to loans | 0.0778% | 6,788 |
| Net loans and leases to total assets | 34.6282% | 7,031 |
| Net loans and leases to deposits | 40.1326% | 7,061 |
| Net loans and leases to core deposits | 43.1489% | 7,036 |
| Total domestic deposits to total assets | 86.2844% | 3,166 |
| Equity capital to assets | 11.3663% | 2,626 |
| Core capital (leverage) ratio | 9.6781% | 3,689 |
| Tier 1 risk-based capital ratio | 20.7501% | 1,466 |
| Total risk-based capital ratio | 21.8043% | 1,478 |
| Memoranda: | ||
| Average total assets | $426,981,670 | 1,547 |
| Average earning assets | $397,764,330 | 1,522 |
| Average equity | $47,153,670 | 1,435 |
| Average total loans | $157,143,000 | 2,578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 5,864 |
| Cost of funding earning assets | 1.1181% | 3,397 |
| Net interest margin | 3.2300% | 5,982 |
| Noninterest income to average assets | 0.6757% | 2,700 |
| Noninterest expense to average assets | 2.5867% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0997% | 1,845 |
| Return on assets (ROA) | 1.0997% | 1,893 |
| Pretax return on assets | 1.0997% | 2,757 |
| Return on Equity (ROE) | 10.1083% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.1083% | 1,100 |
| Net charge-offs to loans | -0.0350% | 6,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1687% | 4,224 |
| Assets per employee ($millions) | 3.7117% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,878 |
| Loan loss allowance to noncurrent loans | 1,671.0938% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 6,899 |
| Noncurrent loans to loans | 0.0811% | 6,838 |
| Net loans and leases to total assets | 35.5626% | 7,021 |
| Net loans and leases to deposits | 41.2329% | 7,055 |
| Net loans and leases to core deposits | 44.2038% | 7,035 |
| Total domestic deposits to total assets | 86.2481% | 3,367 |
| Equity capital to assets | 10.7755% | 2,899 |
| Core capital (leverage) ratio | 9.9339% | 3,222 |
| Tier 1 risk-based capital ratio | 19.8664% | 1,613 |
| Total risk-based capital ratio | 20.8849% | 1,639 |
| Memoranda: | ||
| Average total assets | $424,478,000 | 1,568 |
| Average earning assets | $395,671,500 | 1,537 |
| Average equity | $46,180,000 | 1,455 |
| Average total loans | $159,851,000 | 2,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 5,461 |
| Cost of funding earning assets | 1.2279% | 4,369 |
| Net interest margin | 3.5595% | 4,999 |
| Noninterest income to average assets | 0.8223% | 2,178 |
| Noninterest expense to average assets | 2.8175% | 4,530 |
| Loan and lease loss provision to assets | 0.0926% | 6,215 |
| Net operating income to assets | 1.2255% | 1,357 |
| Return on assets (ROA) | 1.2625% | 1,329 |
| Pretax return on assets | 1.2625% | 2,035 |
| Return on Equity (ROE) | 11.0469% | 1,573 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,275 |
| Net charge-offs to loans | 0.1542% | 5,423 |
| Credit loss provision to net charge-offs | 145.3488% | 2,541 |
| Earnings coverage of net charge-offs (x) | 20.6822% | 991 |
| Efficiency ratio | 68.1281% | 4,537 |
| Assets per employee ($millions) | 3.4829% | 4,973 |
| Cash dividends to net income (ytd only)* | 79.2409% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,934 |
| Loan loss allowance to noncurrent loans | 2,125.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 6,971 |
| Noncurrent loans to loans | 0.0618% | 6,965 |
| Net loans and leases to total assets | 38.8541% | 7,031 |
| Net loans and leases to deposits | 45.0707% | 7,076 |
| Net loans and leases to core deposits | 48.5881% | 7,046 |
| Total domestic deposits to total assets | 86.2068% | 3,244 |
| Equity capital to assets | 10.9899% | 2,694 |
| Core capital (leverage) ratio | 10.1216% | 2,956 |
| Tier 1 risk-based capital ratio | 19.4782% | 1,599 |
| Total risk-based capital ratio | 20.4989% | 1,630 |
| Memoranda: | ||
| Average total assets | $404,828,600 | 1,631 |
| Average earning assets | $376,825,200 | 1,598 |
| Average equity | $46,266,200 | 1,450 |
| Average total loans | $167,309,400 | 2,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8635% | 5,423 |
| Cost of funding earning assets | 1.2302% | 4,689 |
| Net interest margin | 3.6333% | 4,710 |
| Noninterest income to average assets | 0.8301% | 2,082 |
| Noninterest expense to average assets | 2.8435% | 4,304 |
| Loan and lease loss provision to assets | 0.1240% | 5,789 |
| Net operating income to assets | 1.2431% | 1,483 |
| Return on assets (ROA) | 1.2927% | 1,432 |
| Pretax return on assets | 1.2927% | 2,193 |
| Return on Equity (ROE) | 11.2012% | 1,725 |
| Retained earnings to average equity (ytd only) | 0.9597% | 5,422 |
| Net charge-offs to loans | 0.1186% | 5,365 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 27.5660% | 932 |
| Efficiency ratio | 67.5330% | 4,556 |
| Assets per employee ($millions) | 3.3376% | 5,366 |
| Cash dividends to net income (ytd only)* | 91.4323% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 4,674 |
| Loan loss allowance to noncurrent loans | 806.1372% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,938 |
| Noncurrent loans to loans | 0.1686% | 6,847 |
| Net loans and leases to total assets | 40.4717% | 7,049 |
| Net loans and leases to deposits | 48.2982% | 7,075 |
| Net loans and leases to core deposits | 50.6808% | 7,096 |
| Total domestic deposits to total assets | 83.7954% | 4,234 |
| Equity capital to assets | 11.7139% | 2,348 |
| Core capital (leverage) ratio | 10.0264% | 3,227 |
| Tier 1 risk-based capital ratio | 18.9971% | 1,752 |
| Total risk-based capital ratio | 20.0622% | 1,759 |
| Memoranda: | ||
| Average total assets | $403,291,000 | 1,662 |
| Average earning assets | $375,221,750 | 1,627 |
| Average equity | $46,541,250 | 1,454 |
| Average total loans | $168,685,000 | 2,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 5,531 |
| Cost of funding earning assets | 1.2201% | 5,016 |
| Net interest margin | 3.6503% | 4,577 |
| Noninterest income to average assets | 0.8401% | 1,923 |
| Noninterest expense to average assets | 2.8168% | 4,413 |
| Loan and lease loss provision to assets | 0.1484% | 5,413 |
| Net operating income to assets | 1.2751% | 1,374 |
| Return on assets (ROA) | 1.2751% | 1,431 |
| Pretax return on assets | 1.2751% | 2,170 |
| Return on Equity (ROE) | 11.1039% | 1,714 |
| Retained earnings to average equity (ytd only) | 6.5796% | 2,032 |
| Net charge-offs to loans | 0.0564% | 5,601 |
| Credit loss provision to net charge-offs | 625.0000% | 582 |
| Earnings coverage of net charge-offs (x) | 59.9375% | 515 |
| Efficiency ratio | 66.4294% | 4,900 |
| Assets per employee ($millions) | 3.2652% | 5,520 |
| Cash dividends to net income (ytd only)* | 40.7451% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 4,723 |
| Loan loss allowance to noncurrent loans | 380.4714% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,851 |
| Noncurrent loans to loans | 0.3526% | 6,528 |
| Net loans and leases to total assets | 40.3978% | 7,141 |
| Net loans and leases to deposits | 47.7437% | 7,177 |
| Net loans and leases to core deposits | 50.0123% | 7,206 |
| Total domestic deposits to total assets | 84.6139% | 3,813 |
| Equity capital to assets | 11.5982% | 2,356 |
| Core capital (leverage) ratio | 10.2544% | 2,889 |
| Tier 1 risk-based capital ratio | 19.0147% | 1,719 |
| Total risk-based capital ratio | 20.0623% | 1,733 |
| Memoranda: | ||
| Average total assets | $404,215,670 | 1,678 |
| Average earning assets | $376,512,670 | 1,638 |
| Average equity | $46,416,330 | 1,449 |
| Average total loans | $170,137,000 | 2,538 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9096% | 5,416 |
| Cost of funding earning assets | 1.2242% | 5,261 |
| Net interest margin | 3.6854% | 4,328 |
| Noninterest income to average assets | 0.8078% | 1,981 |
| Noninterest expense to average assets | 2.8456% | 4,298 |
| Loan and lease loss provision to assets | 0.1498% | 5,052 |
| Net operating income to assets | 1.2361% | 1,442 |
| Return on assets (ROA) | 1.2361% | 1,516 |
| Pretax return on assets | 1.2361% | 2,248 |
| Return on Equity (ROE) | 10.8203% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.8203% | 954 |
| Net charge-offs to loans | 0.0117% | 5,420 |
| Credit loss provision to net charge-offs | 3,000.0000% | 151 |
| Earnings coverage of net charge-offs (x) | 277.6000% | 119 |
| Efficiency ratio | 67.2487% | 4,868 |
| Assets per employee ($millions) | 3.3716% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,203 |
| Loan loss allowance to noncurrent loans | 181.2290% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2983% | 6,734 |
| Noncurrent loans to loans | 0.6905% | 5,952 |
| Net loans and leases to total assets | 41.9928% | 7,129 |
| Net loans and leases to deposits | 49.8679% | 7,130 |
| Net loans and leases to core deposits | 52.0170% | 7,199 |
| Total domestic deposits to total assets | 84.2081% | 4,044 |
| Equity capital to assets | 11.5120% | 2,352 |
| Core capital (leverage) ratio | 10.2433% | 2,881 |
| Tier 1 risk-based capital ratio | 18.7443% | 1,787 |
| Total risk-based capital ratio | 19.7351% | 1,803 |
| Memoranda: | ||
| Average total assets | $400,614,500 | 1,724 |
| Average earning assets | $372,171,500 | 1,696 |
| Average equity | $45,766,000 | 1,470 |
| Average total loans | $170,973,500 | 2,590 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2405% | 5,458 |
| Cost of funding earning assets | 1.3219% | 6,236 |
| Net interest margin | 3.9185% | 3,196 |
| Noninterest income to average assets | 0.9526% | 1,740 |
| Noninterest expense to average assets | 3.0943% | 3,768 |
| Loan and lease loss provision to assets | 0.1432% | 6,210 |
| Net operating income to assets | 1.3625% | 916 |
| Return on assets (ROA) | 1.3810% | 936 |
| Pretax return on assets | 1.3810% | 1,479 |
| Return on Equity (ROE) | 12.8014% | 1,004 |
| Retained earnings to average equity (ytd only) | 8.6373% | 561 |
| Net charge-offs to loans | 0.8204% | 2,773 |
| Credit loss provision to net charge-offs | 39.7974% | 6,829 |
| Earnings coverage of net charge-offs (x) | 4.1838% | 3,026 |
| Efficiency ratio | 67.2668% | 5,137 |
| Assets per employee ($millions) | 3.1232% | 5,934 |
| Cash dividends to net income (ytd only)* | 32.5288% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,463 |
| Loan loss allowance to noncurrent loans | 382.4762% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 7,138 |
| Noncurrent loans to loans | 0.3090% | 6,660 |
| Net loans and leases to total assets | 42.3274% | 7,233 |
| Net loans and leases to deposits | 49.8594% | 7,267 |
| Net loans and leases to core deposits | 55.2272% | 7,431 |
| Total domestic deposits to total assets | 84.8936% | 3,602 |
| Equity capital to assets | 11.3342% | 2,447 |
| Core capital (leverage) ratio | 9.9564% | 3,134 |
| Tier 1 risk-based capital ratio | 18.3667% | 1,786 |
| Total risk-based capital ratio | 19.3005% | 1,839 |
| Memoranda: | ||
| Average total assets | $383,997,000 | 1,781 |
| Average earning assets | $357,428,400 | 1,753 |
| Average equity | $41,425,200 | 1,615 |
| Average total loans | $168,446,000 | 2,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 5,435 |
| Cost of funding earning assets | 1.3393% | 6,436 |
| Net interest margin | 3.9588% | 2,997 |
| Noninterest income to average assets | 0.9691% | 1,709 |
| Noninterest expense to average assets | 3.1512% | 3,454 |
| Loan and lease loss provision to assets | 0.1400% | 5,959 |
| Net operating income to assets | 1.3619% | 1,098 |
| Return on assets (ROA) | 1.3867% | 1,119 |
| Pretax return on assets | 1.3867% | 1,735 |
| Return on Equity (ROE) | 13.0263% | 1,111 |
| Retained earnings to average equity (ytd only) | 9.0800% | 827 |
| Net charge-offs to loans | 1.0574% | 1,878 |
| Credit loss provision to net charge-offs | 30.0075% | 6,508 |
| Earnings coverage of net charge-offs (x) | 3.2183% | 3,629 |
| Efficiency ratio | 67.7225% | 5,037 |
| Assets per employee ($millions) | 3.1022% | 5,905 |
| Cash dividends to net income (ytd only)* | 30.2954% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,546 |
| Loan loss allowance to noncurrent loans | 4,651.2195% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 7,551 |
| Noncurrent loans to loans | 0.0243% | 7,460 |
| Net loans and leases to total assets | 44.1375% | 7,236 |
| Net loans and leases to deposits | 52.7558% | 7,271 |
| Net loans and leases to core deposits | 59.1714% | 7,430 |
| Total domestic deposits to total assets | 83.6637% | 3,875 |
| Equity capital to assets | 11.6698% | 2,455 |
| Core capital (leverage) ratio | 10.1490% | 3,117 |
| Tier 1 risk-based capital ratio | 18.3853% | 1,891 |
| Total risk-based capital ratio | 19.2919% | 1,922 |
| Memoranda: | ||
| Average total assets | $380,836,000 | 1,808 |
| Average earning assets | $354,408,250 | 1,775 |
| Average equity | $40,542,500 | 1,668 |
| Average total loans | $168,083,500 | 2,675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2984% | 5,667 |
| Cost of funding earning assets | 1.3357% | 6,691 |
| Net interest margin | 3.9627% | 2,853 |
| Noninterest income to average assets | 0.9674% | 1,704 |
| Noninterest expense to average assets | 3.1602% | 3,470 |
| Loan and lease loss provision to assets | 0.1310% | 5,782 |
| Net operating income to assets | 1.3626% | 1,095 |
| Return on assets (ROA) | 1.3636% | 1,165 |
| Pretax return on assets | 1.3636% | 1,822 |
| Return on Equity (ROE) | 13.2301% | 1,140 |
| Retained earnings to average equity (ytd only) | 9.2387% | 881 |
| Net charge-offs to loans | 1.5066% | 1,262 |
| Credit loss provision to net charge-offs | 19.7785% | 6,130 |
| Earnings coverage of net charge-offs (x) | 2.2547% | 3,944 |
| Efficiency ratio | 67.9054% | 5,167 |
| Assets per employee ($millions) | 3.1068% | 5,849 |
| Cash dividends to net income (ytd only)* | 30.1691% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,796 |
| Loan loss allowance to noncurrent loans | 249.1132% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 7,054 |
| Noncurrent loans to loans | 0.4288% | 6,446 |
| Net loans and leases to total assets | 42.5276% | 7,417 |
| Net loans and leases to deposits | 50.1840% | 7,476 |
| Net loans and leases to core deposits | 55.7958% | 7,604 |
| Total domestic deposits to total assets | 84.7434% | 3,385 |
| Equity capital to assets | 10.0493% | 3,872 |
| Core capital (leverage) ratio | 9.6041% | 3,760 |
| Tier 1 risk-based capital ratio | 17.3867% | 2,180 |
| Total risk-based capital ratio | 18.2281% | 2,260 |
| Memoranda: | ||
| Average total assets | $381,626,330 | 1,821 |
| Average earning assets | $355,014,330 | 1,793 |
| Average equity | $39,334,670 | 1,732 |
| Average total loans | $167,794,000 | 2,709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3376% | 5,716 |
| Cost of funding earning assets | 1.3402% | 6,906 |
| Net interest margin | 3.9974% | 2,655 |
| Noninterest income to average assets | 0.9443% | 1,670 |
| Noninterest expense to average assets | 3.1852% | 3,054 |
| Loan and lease loss provision to assets | 0.1071% | 5,596 |
| Net operating income to assets | 1.3629% | 1,225 |
| Return on assets (ROA) | 1.3629% | 1,313 |
| Pretax return on assets | 1.3629% | 2,073 |
| Return on Equity (ROE) | 13.0496% | 1,376 |
| Retained earnings to average equity (ytd only) | 13.0496% | 632 |
| Net charge-offs to loans | 1.6364% | 884 |
| Credit loss provision to net charge-offs | 14.7059% | 5,143 |
| Earnings coverage of net charge-offs (x) | 2.0191% | 3,711 |
| Efficiency ratio | 68.4223% | 4,888 |
| Assets per employee ($millions) | 3.2363% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 3,928 |
| Loan loss allowance to noncurrent loans | 202.3277% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,643 |
| Noncurrent loans to loans | 0.6558% | 5,767 |
| Net loans and leases to total assets | 43.2732% | 7,393 |
| Net loans and leases to deposits | 51.2460% | 7,449 |
| Net loans and leases to core deposits | 56.7617% | 7,579 |
| Total domestic deposits to total assets | 84.4422% | 3,492 |
| Equity capital to assets | 10.2673% | 3,688 |
| Core capital (leverage) ratio | 9.7775% | 3,660 |
| Tier 1 risk-based capital ratio | 17.2051% | 2,268 |
| Total risk-based capital ratio | 18.2508% | 2,271 |
| Memoranda: | ||
| Average total assets | $373,604,000 | 1,866 |
| Average earning assets | $346,825,000 | 1,844 |
| Average equity | $39,020,500 | 1,740 |
| Average total loans | $166,218,000 | 2,749 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8048% | 6,409 |
| Cost of funding earning assets | 1.9579% | 6,541 |
| Net interest margin | 3.8469% | 3,805 |
| Noninterest income to average assets | 1.1882% | 1,076 |
| Noninterest expense to average assets | 3.2163% | 3,277 |
| Loan and lease loss provision to assets | 0.5781% | 2,512 |
| Net operating income to assets | 0.9350% | 2,855 |
| Return on assets (ROA) | 0.9601% | 2,619 |
| Pretax return on assets | 0.9601% | 3,524 |
| Return on Equity (ROE) | 9.2112% | 2,564 |
| Retained earnings to average equity (ytd only) | 3.8702% | 2,717 |
| Net charge-offs to loans | 0.6435% | 1,921 |
| Credit loss provision to net charge-offs | 209.4105% | 2,308 |
| Earnings coverage of net charge-offs (x) | 5.4809% | 3,631 |
| Efficiency ratio | 68.0068% | 4,722 |
| Assets per employee ($millions) | 2.8940% | 6,327 |
| Cash dividends to net income (ytd only)* | 57.9839% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 1,757 |
| Loan loss allowance to noncurrent loans | 261.7512% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 6,389 |
| Noncurrent loans to loans | 0.6693% | 5,360 |
| Net loans and leases to total assets | 44.3865% | 7,447 |
| Net loans and leases to deposits | 52.1648% | 7,527 |
| Net loans and leases to core deposits | 57.5233% | 7,686 |
| Total domestic deposits to total assets | 85.0890% | 2,801 |
| Equity capital to assets | 10.6359% | 3,358 |
| Core capital (leverage) ratio | 10.1677% | 3,303 |
| Tier 1 risk-based capital ratio | 17.6755% | 2,125 |
| Total risk-based capital ratio | 18.9276% | 2,067 |
| Memoranda: | ||
| Average total assets | $350,273,200 | 1,902 |
| Average earning assets | $322,441,400 | 1,888 |
| Average equity | $36,509,800 | 1,853 |
| Average total loans | $150,266,200 | 2,925 |