Home > The Fairfield National Bank > Performance and Condition Ratios
The Fairfield National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1819% | 3,654 |
| Cost of funding earning assets | 1.8583% | 1,147 |
| Net interest margin | 2.3236% | 4,242 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.7367% | 4,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8457% | 2,720 |
| Return on assets (ROA) | 0.8457% | 2,697 |
| Pretax return on assets | 0.9670% | 2,760 |
| Return on Equity (ROE) | 9.2600% | 2,694 |
| Retained earnings to average equity (ytd only) | 5.7740% | 2,330 |
| Net charge-offs to loans | 0.1003% | 907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 15.5049% | 2,040 |
| Efficiency ratio | 64.2336% | 2,580 |
| Assets per employee ($millions) | 9.6712% | 781 |
| Cash dividends to net income (ytd only)* | 37.6356% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 4,264 |
| Loan loss allowance to noncurrent loans | 42.6934% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8541% | 594 |
| Noncurrent loans to loans | 1.3655% | 507 |
| Net loans and leases to total assets | 61.7400% | 2,696 |
| Net loans and leases to deposits | 93.2161% | 999 |
| Net loans and leases to core deposits | 116.2189% | 738 |
| Total domestic deposits to total assets | 66.2300% | 4,373 |
| Equity capital to assets | 10.0338% | 1,985 |
| Core capital (leverage) ratio | 12.0093% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $654,162,000 | 1,371 |
| Average earning assets | $591,929,800 | 1,392 |
| Average equity | $59,750,800 | 1,397 |
| Average total loans | $406,949,400 | 1,455 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 3,692 |
| Cost of funding earning assets | 1.7574% | 1,086 |
| Net interest margin | 2.3230% | 4,290 |
| Noninterest income to average assets | 0.6200% | 1,445 |
| Noninterest expense to average assets | 1.6792% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9048% | 2,662 |
| Return on assets (ROA) | 0.9048% | 2,646 |
| Pretax return on assets | 1.0462% | 2,722 |
| Return on Equity (ROE) | 10.1500% | 2,599 |
| Retained earnings to average equity (ytd only) | 8.5313% | 1,807 |
| Net charge-offs to loans | 0.1212% | 666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 13.8679% | 2,020 |
| Efficiency ratio | 61.6131% | 2,766 |
| Assets per employee ($millions) | 9.2173% | 863 |
| Cash dividends to net income (ytd only)* | 15.9775% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 4,272 |
| Loan loss allowance to noncurrent loans | 38.0147% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 541 |
| Noncurrent loans to loans | 1.5646% | 452 |
| Net loans and leases to total assets | 61.7000% | 2,680 |
| Net loans and leases to deposits | 94.7557% | 838 |
| Net loans and leases to core deposits | 116.1262% | 656 |
| Total domestic deposits to total assets | 65.1200% | 4,414 |
| Equity capital to assets | 8.6345% | 2,641 |
| Core capital (leverage) ratio | 12.0099% | 1,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $655,710,500 | 1,367 |
| Average earning assets | $593,588,000 | 1,397 |
| Average equity | $58,434,500 | 1,410 |
| Average total loans | $408,083,750 | 1,448 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 3,780 |
| Cost of funding earning assets | 1.6457% | 976 |
| Net interest margin | 2.3089% | 4,360 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 1.6790% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9317% | 2,644 |
| Return on assets (ROA) | 0.9317% | 2,632 |
| Pretax return on assets | 1.0819% | 2,686 |
| Return on Equity (ROE) | 10.3500% | 2,611 |
| Retained earnings to average equity (ytd only) | 7.9538% | 1,979 |
| Net charge-offs to loans | 0.1490% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 11.6536% | 1,958 |
| Efficiency ratio | 60.8132% | 2,860 |
| Assets per employee ($millions) | 9.4923% | 781 |
| Cash dividends to net income (ytd only)* | 23.1521% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 4,288 |
| Loan loss allowance to noncurrent loans | 36.3272% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 428 |
| Noncurrent loans to loans | 1.6888% | 367 |
| Net loans and leases to total assets | 61.4100% | 2,631 |
| Net loans and leases to deposits | 100.1179% | 509 |
| Net loans and leases to core deposits | 113.0957% | 711 |
| Total domestic deposits to total assets | 61.3400% | 4,476 |
| Equity capital to assets | 9.3711% | 2,251 |
| Core capital (leverage) ratio | 11.6546% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $659,210,000 | 1,360 |
| Average earning assets | $599,848,667 | 1,381 |
| Average equity | $59,342,333 | 1,399 |
| Average total loans | $410,618,667 | 1,430 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,837 |
| Cost of funding earning assets | 1.5563% | 757 |
| Net interest margin | 2.2544% | 4,473 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 1.6599% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8365% | 3,063 |
| Return on assets (ROA) | 0.8365% | 3,021 |
| Pretax return on assets | 0.9524% | 3,116 |
| Return on Equity (ROE) | 9.4800% | 2,925 |
| Retained earnings to average equity (ytd only) | 9.4811% | 1,820 |
| Net charge-offs to loans | 0.1825% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 8.3474% | 1,723 |
| Efficiency ratio | 63.5402% | 2,520 |
| Assets per employee ($millions) | 10.2799% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 4,332 |
| Loan loss allowance to noncurrent loans | 42.0164% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 0.9310% | 464 |
| Noncurrent loans to loans | 1.4913% | 435 |
| Net loans and leases to total assets | 61.7800% | 2,489 |
| Net loans and leases to deposits | 102.2218% | 353 |
| Net loans and leases to core deposits | 107.9516% | 757 |
| Total domestic deposits to total assets | 60.4400% | 4,539 |
| Equity capital to assets | 9.0264% | 2,499 |
| Core capital (leverage) ratio | 11.2775% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $666,078,500 | 1,371 |
| Average earning assets | $606,805,500 | 1,385 |
| Average equity | $58,769,500 | 1,416 |
| Average total loans | $416,501,500 | 1,427 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3132% | 3,557 |
| Cost of funding earning assets | 0.9123% | 239 |
| Net interest margin | 2.4009% | 4,360 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.5540% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9248% | 2,867 |
| Return on assets (ROA) | 0.9370% | 2,768 |
| Pretax return on assets | 1.0864% | 2,816 |
| Return on Equity (ROE) | 9.9800% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.7507% | 2,343 |
| Net charge-offs to loans | 0.0255% | 1,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 70.0971% | 1,159 |
| Efficiency ratio | 59.1156% | 3,176 |
| Assets per employee ($millions) | 10.2158% | 634 |
| Cash dividends to net income (ytd only)* | 32.3506% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5574% | 4,391 |
| Loan loss allowance to noncurrent loans | 32.4900% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0867% | 388 |
| Noncurrent loans to loans | 1.7155% | 360 |
| Net loans and leases to total assets | 62.5300% | 2,379 |
| Net loans and leases to deposits | 102.6653% | 347 |
| Net loans and leases to core deposits | 105.7143% | 758 |
| Total domestic deposits to total assets | 60.9100% | 4,573 |
| Equity capital to assets | 8.6249% | 2,612 |
| Core capital (leverage) ratio | 11.0530% | 1,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $673,342,000 | 1,341 |
| Average earning assets | $617,133,400 | 1,360 |
| Average equity | $63,222,800 | 1,341 |
| Average total loans | $404,271,000 | 1,383 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1817% | 3,478 |
| Cost of funding earning assets | 0.7681% | 179 |
| Net interest margin | 2.4136% | 4,307 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.5226% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9738% | 2,575 |
| Return on assets (ROA) | 0.9900% | 2,479 |
| Pretax return on assets | 1.1493% | 2,556 |
| Return on Equity (ROE) | 10.3300% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.8425% | 1,707 |
| Net charge-offs to loans | 0.0210% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 90.5873% | 990 |
| Efficiency ratio | 57.3914% | 3,456 |
| Assets per employee ($millions) | 9.8357% | 689 |
| Cash dividends to net income (ytd only)* | 14.4258% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 4,403 |
| Loan loss allowance to noncurrent loans | 35.2080% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 419 |
| Noncurrent loans to loans | 1.6219% | 416 |
| Net loans and leases to total assets | 61.6800% | 2,328 |
| Net loans and leases to deposits | 96.6417% | 521 |
| Net loans and leases to core deposits | 99.3780% | 841 |
| Total domestic deposits to total assets | 63.8200% | 4,602 |
| Equity capital to assets | 7.7672% | 3,041 |
| Core capital (leverage) ratio | 11.2283% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $673,117,000 | 1,350 |
| Average earning assets | $617,607,000 | 1,363 |
| Average equity | $64,490,250 | 1,340 |
| Average total loans | $399,348,750 | 1,387 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0338% | 3,469 |
| Cost of funding earning assets | 0.6668% | 186 |
| Net interest margin | 2.3670% | 4,264 |
| Noninterest income to average assets | 0.4210% | 2,624 |
| Noninterest expense to average assets | 1.4891% | 4,430 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9595% | 2,316 |
| Return on assets (ROA) | 0.9838% | 2,189 |
| Pretax return on assets | 1.1465% | 2,250 |
| Return on Equity (ROE) | 9.6527% | 2,473 |
| Retained earnings to average equity (ytd only) | 7.5450% | 1,796 |
| Net charge-offs to loans | 0.0515% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 37.1584% | 1,297 |
| Efficiency ratio | 57.1135% | 3,672 |
| Assets per employee ($millions) | 9.9582% | 672 |
| Cash dividends to net income (ytd only)* | 21.8353% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 4,481 |
| Loan loss allowance to noncurrent loans | 33.6127% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 417 |
| Noncurrent loans to loans | 1.7313% | 394 |
| Net loans and leases to total assets | 60.5840% | 2,264 |
| Net loans and leases to deposits | 91.1546% | 652 |
| Net loans and leases to core deposits | 93.4016% | 949 |
| Total domestic deposits to total assets | 66.4629% | 4,652 |
| Equity capital to assets | 8.2144% | 2,966 |
| Core capital (leverage) ratio | 11.1624% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $671,268,333 | 1,359 |
| Average earning assets | $620,013,000 | 1,370 |
| Average equity | $68,416,000 | 1,314 |
| Average total loans | $392,135,333 | 1,404 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9149% | 3,493 |
| Cost of funding earning assets | 0.7069% | 145 |
| Net interest margin | 2.2079% | 4,340 |
| Noninterest income to average assets | 0.3582% | 2,944 |
| Noninterest expense to average assets | 1.3961% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8844% | 2,339 |
| Return on assets (ROA) | 0.9268% | 2,162 |
| Pretax return on assets | 1.0587% | 2,265 |
| Return on Equity (ROE) | 8.2956% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.2956% | 1,486 |
| Net charge-offs to loans | 0.0468% | 824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 37.8000% | 1,028 |
| Efficiency ratio | 58.0104% | 3,681 |
| Assets per employee ($millions) | 10.6391% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 4,497 |
| Loan loss allowance to noncurrent loans | 33.5319% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 419 |
| Noncurrent loans to loans | 1.8345% | 413 |
| Net loans and leases to total assets | 58.3559% | 2,259 |
| Net loans and leases to deposits | 89.0795% | 556 |
| Net loans and leases to core deposits | 91.2246% | 860 |
| Total domestic deposits to total assets | 65.5100% | 4,697 |
| Equity capital to assets | 10.4485% | 1,609 |
| Core capital (leverage) ratio | 11.1701% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $673,303,500 | 1,359 |
| Average earning assets | $624,659,500 | 1,366 |
| Average equity | $75,221,000 | 1,253 |
| Average total loans | $384,912,500 | 1,417 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0859% | 3,712 |
| Cost of funding earning assets | 0.8199% | 186 |
| Net interest margin | 2.2660% | 4,440 |
| Noninterest income to average assets | 0.3695% | 3,220 |
| Noninterest expense to average assets | 1.3338% | 4,659 |
| Loan and lease loss provision to assets | 0.0468% | 2,122 |
| Net operating income to assets | 0.8910% | 3,077 |
| Return on assets (ROA) | 1.0891% | 2,407 |
| Pretax return on assets | 1.3300% | 2,263 |
| Return on Equity (ROE) | 8.7488% | 2,994 |
| Retained earnings to average equity (ytd only) | 2.5072% | 3,827 |
| Net charge-offs to loans | 0.0567% | 1,225 |
| Credit loss provision to net charge-offs | 156.4103% | 1,466 |
| Earnings coverage of net charge-offs (x) | 37.9179% | 1,466 |
| Efficiency ratio | 54.0231% | 3,926 |
| Assets per employee ($millions) | 11.0876% | 491 |
| Cash dividends to net income (ytd only)* | 71.3420% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,490 |
| Loan loss allowance to noncurrent loans | 31.0814% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 428 |
| Noncurrent loans to loans | 2.1086% | 362 |
| Net loans and leases to total assets | 55.2677% | 2,705 |
| Net loans and leases to deposits | 88.8016% | 617 |
| Net loans and leases to core deposits | 91.1616% | 917 |
| Total domestic deposits to total assets | 62.2372% | 4,759 |
| Equity capital to assets | 11.8888% | 1,302 |
| Core capital (leverage) ratio | 11.0953% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $651,354,400 | 1,358 |
| Average earning assets | $603,491,800 | 1,372 |
| Average equity | $81,085,600 | 1,198 |
| Average total loans | $343,682,800 | 1,542 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0700% | 3,869 |
| Cost of funding earning assets | 0.8473% | 197 |
| Net interest margin | 2.2227% | 4,554 |
| Noninterest income to average assets | 0.3799% | 3,211 |
| Noninterest expense to average assets | 1.3250% | 4,734 |
| Loan and lease loss provision to assets | 0.0516% | 1,960 |
| Net operating income to assets | 0.8937% | 3,266 |
| Return on assets (ROA) | 1.1078% | 2,579 |
| Pretax return on assets | 1.3151% | 2,585 |
| Return on Equity (ROE) | 8.7952% | 3,168 |
| Retained earnings to average equity (ytd only) | 2.6566% | 4,017 |
| Net charge-offs to loans | 0.1081% | 704 |
| Credit loss provision to net charge-offs | 91.9118% | 1,652 |
| Earnings coverage of net charge-offs (x) | 19.7794% | 1,749 |
| Efficiency ratio | 54.3720% | 3,751 |
| Assets per employee ($millions) | 11.2116% | 451 |
| Cash dividends to net income (ytd only)* | 69.7948% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6415% | 4,582 |
| Loan loss allowance to noncurrent loans | 28.8238% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 479 |
| Noncurrent loans to loans | 2.2257% | 368 |
| Net loans and leases to total assets | 54.6226% | 2,891 |
| Net loans and leases to deposits | 89.9341% | 611 |
| Net loans and leases to core deposits | 92.2617% | 918 |
| Total domestic deposits to total assets | 60.7363% | 4,834 |
| Equity capital to assets | 12.2306% | 1,296 |
| Core capital (leverage) ratio | 11.3315% | 1,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $645,107,750 | 1,385 |
| Average earning assets | $597,025,750 | 1,399 |
| Average equity | $81,254,750 | 1,210 |
| Average total loans | $335,537,500 | 1,602 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0743% | 3,920 |
| Cost of funding earning assets | 0.8707% | 207 |
| Net interest margin | 2.2037% | 4,597 |
| Noninterest income to average assets | 0.4130% | 3,046 |
| Noninterest expense to average assets | 1.3029% | 4,785 |
| Loan and lease loss provision to assets | 0.0469% | 2,082 |
| Net operating income to assets | 0.9220% | 3,156 |
| Return on assets (ROA) | 1.2088% | 2,227 |
| Pretax return on assets | 1.4489% | 2,178 |
| Return on Equity (ROE) | 9.5021% | 2,948 |
| Retained earnings to average equity (ytd only) | 7.6833% | 2,199 |
| Net charge-offs to loans | 0.0895% | 797 |
| Credit loss provision to net charge-offs | 102.7397% | 1,343 |
| Earnings coverage of net charge-offs (x) | 25.1986% | 1,413 |
| Efficiency ratio | 53.1099% | 3,918 |
| Assets per employee ($millions) | 10.5220% | 524 |
| Cash dividends to net income (ytd only)* | 19.1412% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6857% | 4,559 |
| Loan loss allowance to noncurrent loans | 27.1099% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.3350% | 473 |
| Noncurrent loans to loans | 2.5292% | 323 |
| Net loans and leases to total assets | 52.4219% | 3,301 |
| Net loans and leases to deposits | 85.4692% | 946 |
| Net loans and leases to core deposits | 89.0353% | 1,204 |
| Total domestic deposits to total assets | 61.3343% | 4,862 |
| Equity capital to assets | 12.6278% | 1,072 |
| Core capital (leverage) ratio | 11.6734% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $639,648,333 | 1,389 |
| Average earning assets | $592,197,667 | 1,399 |
| Average equity | $81,371,667 | 1,198 |
| Average total loans | $326,165,333 | 1,638 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1046% | 3,873 |
| Cost of funding earning assets | 0.8916% | 233 |
| Net interest margin | 2.2129% | 4,603 |
| Noninterest income to average assets | 0.2684% | 3,791 |
| Noninterest expense to average assets | 1.3990% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7750% | 3,500 |
| Return on assets (ROA) | 1.0220% | 2,822 |
| Pretax return on assets | 1.1963% | 2,854 |
| Return on Equity (ROE) | 8.0032% | 3,315 |
| Retained earnings to average equity (ytd only) | 8.0032% | 2,232 |
| Net charge-offs to loans | 0.0618% | 911 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 29.2653% | 1,104 |
| Efficiency ratio | 60.7016% | 2,950 |
| Assets per employee ($millions) | 11.0384% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7236% | 4,535 |
| Loan loss allowance to noncurrent loans | 26.2248% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3790% | 491 |
| Noncurrent loans to loans | 2.7591% | 309 |
| Net loans and leases to total assets | 49.4394% | 3,680 |
| Net loans and leases to deposits | 79.3658% | 1,585 |
| Net loans and leases to core deposits | 82.6736% | 1,786 |
| Total domestic deposits to total assets | 62.2931% | 4,872 |
| Equity capital to assets | 12.4918% | 1,085 |
| Core capital (leverage) ratio | 11.5655% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $633,291,000 | 1,391 |
| Average earning assets | $582,755,500 | 1,401 |
| Average equity | $80,868,000 | 1,199 |
| Average total loans | $317,077,000 | 1,674 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 3,711 |
| Cost of funding earning assets | 1.1024% | 397 |
| Net interest margin | 2.5426% | 4,551 |
| Noninterest income to average assets | 0.2870% | 3,766 |
| Noninterest expense to average assets | 1.4598% | 4,807 |
| Loan and lease loss provision to assets | 0.0306% | 4,016 |
| Net operating income to assets | 0.9751% | 2,379 |
| Return on assets (ROA) | 1.1895% | 1,697 |
| Pretax return on assets | 1.4410% | 1,537 |
| Return on Equity (ROE) | 8.9329% | 2,428 |
| Retained earnings to average equity (ytd only) | 5.8959% | 1,845 |
| Net charge-offs to loans | 0.0109% | 2,938 |
| Credit loss provision to net charge-offs | 494.4444% | 1,265 |
| Earnings coverage of net charge-offs (x) | 196.3333% | 471 |
| Efficiency ratio | 54.6138% | 4,147 |
| Assets per employee ($millions) | 10.7992% | 415 |
| Cash dividends to net income (ytd only)* | 33.9971% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 4,514 |
| Loan loss allowance to noncurrent loans | 23.9894% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 451 |
| Noncurrent loans to loans | 3.1146% | 266 |
| Net loans and leases to total assets | 49.9663% | 3,828 |
| Net loans and leases to deposits | 82.0204% | 1,662 |
| Net loans and leases to core deposits | 85.4982% | 1,908 |
| Total domestic deposits to total assets | 60.9194% | 4,905 |
| Equity capital to assets | 13.0533% | 1,068 |
| Core capital (leverage) ratio | 12.0380% | 1,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $582,594,200 | 1,361 |
| Average earning assets | $546,720,000 | 1,359 |
| Average equity | $77,578,800 | 1,184 |
| Average total loans | $330,205,200 | 1,577 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7687% | 3,647 |
| Cost of funding earning assets | 1.1572% | 424 |
| Net interest margin | 2.6115% | 4,561 |
| Noninterest income to average assets | 0.2929% | 3,730 |
| Noninterest expense to average assets | 1.4440% | 4,843 |
| Loan and lease loss provision to assets | 0.0245% | 4,030 |
| Net operating income to assets | 1.0404% | 2,189 |
| Return on assets (ROA) | 1.2907% | 1,481 |
| Pretax return on assets | 1.5837% | 1,227 |
| Return on Equity (ROE) | 9.6409% | 2,155 |
| Retained earnings to average equity (ytd only) | 7.7437% | 1,399 |
| Net charge-offs to loans | -0.0040% | 4,005 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,929 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5686% | 4,290 |
| Assets per employee ($millions) | 9.7072% | 560 |
| Cash dividends to net income (ytd only)* | 19.6784% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 4,551 |
| Loan loss allowance to noncurrent loans | 22.6645% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 437 |
| Noncurrent loans to loans | 3.1520% | 284 |
| Net loans and leases to total assets | 55.5748% | 3,659 |
| Net loans and leases to deposits | 95.1301% | 832 |
| Net loans and leases to core deposits | 99.4977% | 1,195 |
| Total domestic deposits to total assets | 58.4198% | 4,938 |
| Equity capital to assets | 13.8012% | 906 |
| Core capital (leverage) ratio | 12.3101% | 1,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $571,654,250 | 1,367 |
| Average earning assets | $537,141,500 | 1,358 |
| Average equity | $76,533,500 | 1,195 |
| Average total loans | $333,926,000 | 1,555 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 3,900 |
| Cost of funding earning assets | 1.2007% | 504 |
| Net interest margin | 2.5838% | 4,668 |
| Noninterest income to average assets | 0.2880% | 3,736 |
| Noninterest expense to average assets | 1.4685% | 4,870 |
| Loan and lease loss provision to assets | 0.0370% | 3,809 |
| Net operating income to assets | 0.9844% | 2,385 |
| Return on assets (ROA) | 1.2622% | 1,577 |
| Pretax return on assets | 1.5530% | 1,335 |
| Return on Equity (ROE) | 9.5282% | 2,133 |
| Retained earnings to average equity (ytd only) | 6.6339% | 1,808 |
| Net charge-offs to loans | 0.0291% | 2,136 |
| Credit loss provision to net charge-offs | 214.2857% | 1,856 |
| Earnings coverage of net charge-offs (x) | 72.2857% | 864 |
| Efficiency ratio | 54.0775% | 4,169 |
| Assets per employee ($millions) | 10.0626% | 488 |
| Cash dividends to net income (ytd only)* | 30.3766% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6913% | 4,584 |
| Loan loss allowance to noncurrent loans | 30.1168% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 1.2690% | 838 |
| Noncurrent loans to loans | 2.2953% | 537 |
| Net loans and leases to total assets | 54.9056% | 3,797 |
| Net loans and leases to deposits | 95.6098% | 828 |
| Net loans and leases to core deposits | 101.8297% | 1,126 |
| Total domestic deposits to total assets | 57.4267% | 4,980 |
| Equity capital to assets | 13.0700% | 1,138 |
| Core capital (leverage) ratio | 12.0903% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $568,061,333 | 1,353 |
| Average earning assets | $533,704,667 | 1,339 |
| Average equity | $75,250,333 | 1,203 |
| Average total loans | $336,563,000 | 1,526 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 4,010 |
| Cost of funding earning assets | 1.2572% | 637 |
| Net interest margin | 2.6572% | 4,705 |
| Noninterest income to average assets | 0.2846% | 3,818 |
| Noninterest expense to average assets | 1.5035% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0381% | 2,047 |
| Return on assets (ROA) | 1.0381% | 2,144 |
| Pretax return on assets | 1.2737% | 1,954 |
| Return on Equity (ROE) | 7.7810% | 2,600 |
| Retained earnings to average equity (ytd only) | 6.7011% | 1,648 |
| Net charge-offs to loans | 0.0387% | 1,650 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 53.5758% | 853 |
| Efficiency ratio | 54.1375% | 4,389 |
| Assets per employee ($millions) | 9.5693% | 436 |
| Cash dividends to net income (ytd only)* | 13.8793% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6547% | 4,683 |
| Loan loss allowance to noncurrent loans | 25.1007% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5383% | 684 |
| Noncurrent loans to loans | 2.6082% | 444 |
| Net loans and leases to total assets | 58.5934% | 3,628 |
| Net loans and leases to deposits | 103.3817% | 392 |
| Net loans and leases to core deposits | 111.0149% | 801 |
| Total domestic deposits to total assets | 56.6768% | 5,049 |
| Equity capital to assets | 13.3760% | 1,270 |
| Core capital (leverage) ratio | 12.5657% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $555,245,000 | 1,345 |
| Average earning assets | $520,847,000 | 1,328 |
| Average equity | $74,077,500 | 1,215 |
| Average total loans | $340,724,500 | 1,487 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0709% | 4,100 |
| Cost of funding earning assets | 1.3853% | 596 |
| Net interest margin | 2.6856% | 4,847 |
| Noninterest income to average assets | 0.3049% | 3,864 |
| Noninterest expense to average assets | 1.3719% | 5,052 |
| Loan and lease loss provision to assets | 0.2476% | 748 |
| Net operating income to assets | 1.0028% | 2,837 |
| Return on assets (ROA) | 1.1545% | 2,338 |
| Pretax return on assets | 1.3892% | 2,200 |
| Return on Equity (ROE) | 9.4231% | 2,560 |
| Retained earnings to average equity (ytd only) | 5.6108% | 2,098 |
| Net charge-offs to loans | 0.1952% | 1,039 |
| Credit loss provision to net charge-offs | 203.3626% | 1,307 |
| Earnings coverage of net charge-offs (x) | 11.9415% | 2,455 |
| Efficiency ratio | 48.5480% | 4,804 |
| Assets per employee ($millions) | 9.5772% | 401 |
| Cash dividends to net income (ytd only)* | 40.4564% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6351% | 4,678 |
| Loan loss allowance to noncurrent loans | 16.5433% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.4550% | 264 |
| Noncurrent loans to loans | 3.8389% | 195 |
| Net loans and leases to total assets | 63.4261% | 3,264 |
| Net loans and leases to deposits | 107.7011% | 233 |
| Net loans and leases to core deposits | 116.2005% | 586 |
| Total domestic deposits to total assets | 58.8909% | 5,093 |
| Equity capital to assets | 13.3057% | 1,365 |
| Core capital (leverage) ratio | 12.1965% | 1,660 |
| Tier 1 risk-based capital ratio | 21.8909% | 1,038 |
| Total risk-based capital ratio | 22.6215% | 1,084 |
| Memoranda: | ||
| Average total assets | $561,778,400 | 1,287 |
| Average earning assets | $527,333,400 | 1,272 |
| Average equity | $68,831,200 | 1,233 |
| Average total loans | $350,486,600 | 1,418 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 4,249 |
| Cost of funding earning assets | 1.4041% | 577 |
| Net interest margin | 2.6481% | 4,968 |
| Noninterest income to average assets | 0.3005% | 3,940 |
| Noninterest expense to average assets | 1.3405% | 5,128 |
| Loan and lease loss provision to assets | 0.3278% | 423 |
| Net operating income to assets | 0.9345% | 3,219 |
| Return on assets (ROA) | 1.1378% | 2,509 |
| Pretax return on assets | 1.3619% | 2,451 |
| Return on Equity (ROE) | 9.4832% | 2,679 |
| Retained earnings to average equity (ytd only) | 6.6311% | 2,038 |
| Net charge-offs to loans | 0.2750% | 637 |
| Credit loss provision to net charge-offs | 192.1271% | 1,365 |
| Earnings coverage of net charge-offs (x) | 8.4848% | 2,649 |
| Efficiency ratio | 48.0771% | 4,852 |
| Assets per employee ($millions) | 9.3434% | 430 |
| Cash dividends to net income (ytd only)* | 30.0746% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6167% | 4,780 |
| Loan loss allowance to noncurrent loans | 17.9616% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 2.1991% | 366 |
| Noncurrent loans to loans | 3.4332% | 245 |
| Net loans and leases to total assets | 63.5296% | 3,333 |
| Net loans and leases to deposits | 106.3776% | 305 |
| Net loans and leases to core deposits | 113.8108% | 764 |
| Total domestic deposits to total assets | 59.7208% | 5,164 |
| Equity capital to assets | 13.0853% | 1,578 |
| Core capital (leverage) ratio | 11.8384% | 1,969 |
| Tier 1 risk-based capital ratio | 21.6882% | 1,114 |
| Total risk-based capital ratio | 22.4044% | 1,153 |
| Memoranda: | ||
| Average total assets | $565,747,250 | 1,285 |
| Average earning assets | $531,483,500 | 1,273 |
| Average equity | $67,880,000 | 1,244 |
| Average total loans | $350,993,750 | 1,426 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 4,302 |
| Cost of funding earning assets | 1.3967% | 542 |
| Net interest margin | 2.6422% | 5,047 |
| Noninterest income to average assets | 0.2881% | 4,013 |
| Noninterest expense to average assets | 1.2941% | 5,208 |
| Loan and lease loss provision to assets | 0.2804% | 522 |
| Net operating income to assets | 1.0059% | 2,903 |
| Return on assets (ROA) | 1.1325% | 2,474 |
| Pretax return on assets | 1.3495% | 2,381 |
| Return on Equity (ROE) | 9.7228% | 2,523 |
| Retained earnings to average equity (ytd only) | 7.6104% | 1,555 |
| Net charge-offs to loans | 0.2642% | 631 |
| Credit loss provision to net charge-offs | 172.7862% | 1,353 |
| Earnings coverage of net charge-offs (x) | 9.1145% | 2,359 |
| Efficiency ratio | 46.6633% | 4,959 |
| Assets per employee ($millions) | 10.7933% | 274 |
| Cash dividends to net income (ytd only)* | 21.7270% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5210% | 4,990 |
| Loan loss allowance to noncurrent loans | 54.7372% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5886% | 2,253 |
| Noncurrent loans to loans | 0.9518% | 1,715 |
| Net loans and leases to total assets | 61.5175% | 3,598 |
| Net loans and leases to deposits | 98.5571% | 793 |
| Net loans and leases to core deposits | 111.8531% | 872 |
| Total domestic deposits to total assets | 62.4181% | 5,187 |
| Equity capital to assets | 12.3016% | 1,986 |
| Core capital (leverage) ratio | 11.3873% | 2,258 |
| Tier 1 risk-based capital ratio | 21.1476% | 1,158 |
| Total risk-based capital ratio | 21.7478% | 1,220 |
| Memoranda: | ||
| Average total assets | $570,576,330 | 1,277 |
| Average earning assets | $536,682,330 | 1,261 |
| Average equity | $66,462,000 | 1,265 |
| Average total loans | $350,529,670 | 1,434 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 4,412 |
| Cost of funding earning assets | 1.3708% | 509 |
| Net interest margin | 2.6073% | 5,131 |
| Noninterest income to average assets | 0.2534% | 4,198 |
| Noninterest expense to average assets | 1.2811% | 5,264 |
| Loan and lease loss provision to assets | 0.2106% | 744 |
| Net operating income to assets | 1.0375% | 2,705 |
| Return on assets (ROA) | 1.0375% | 2,748 |
| Pretax return on assets | 1.2144% | 2,751 |
| Return on Equity (ROE) | 9.1648% | 2,723 |
| Retained earnings to average equity (ytd only) | 9.1648% | 1,253 |
| Net charge-offs to loans | 0.4093% | 374 |
| Credit loss provision to net charge-offs | 84.0336% | 1,756 |
| Earnings coverage of net charge-offs (x) | 5.6863% | 2,248 |
| Efficiency ratio | 47.3411% | 4,970 |
| Assets per employee ($millions) | 11.2022% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 5,157 |
| Loan loss allowance to noncurrent loans | 39.8954% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 2,159 |
| Noncurrent loans to loans | 1.0508% | 1,589 |
| Net loans and leases to total assets | 60.2475% | 3,681 |
| Net loans and leases to deposits | 95.6701% | 1,003 |
| Net loans and leases to core deposits | 108.5736% | 1,012 |
| Total domestic deposits to total assets | 62.9742% | 5,254 |
| Equity capital to assets | 11.6082% | 2,307 |
| Core capital (leverage) ratio | 11.2943% | 2,299 |
| Tier 1 risk-based capital ratio | 21.2499% | 1,134 |
| Total risk-based capital ratio | 21.7321% | 1,228 |
| Memoranda: | ||
| Average total assets | $569,841,000 | 1,281 |
| Average earning assets | $536,026,500 | 1,265 |
| Average equity | $64,507,500 | 1,292 |
| Average total loans | $348,918,500 | 1,445 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 4,283 |
| Cost of funding earning assets | 1.2161% | 317 |
| Net interest margin | 2.6803% | 5,112 |
| Noninterest income to average assets | 0.2999% | 4,102 |
| Noninterest expense to average assets | 1.2943% | 5,301 |
| Loan and lease loss provision to assets | 0.0890% | 2,363 |
| Net operating income to assets | 1.2028% | 2,160 |
| Return on assets (ROA) | 1.2028% | 2,151 |
| Pretax return on assets | 1.4355% | 2,008 |
| Return on Equity (ROE) | 11.1172% | 2,036 |
| Retained earnings to average equity (ytd only) | 8.3618% | 1,097 |
| Net charge-offs to loans | 0.1481% | 1,292 |
| Credit loss provision to net charge-offs | 99.0099% | 2,579 |
| Earnings coverage of net charge-offs (x) | 16.9525% | 2,219 |
| Efficiency ratio | 45.9157% | 5,122 |
| Assets per employee ($millions) | 10.9302% | 268 |
| Cash dividends to net income (ytd only)* | 24.7853% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4276% | 5,189 |
| Loan loss allowance to noncurrent loans | 47.9313% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,218 |
| Noncurrent loans to loans | 0.8921% | 1,806 |
| Net loans and leases to total assets | 61.6994% | 3,597 |
| Net loans and leases to deposits | 99.6075% | 777 |
| Net loans and leases to core deposits | 112.1451% | 874 |
| Total domestic deposits to total assets | 61.9426% | 5,303 |
| Equity capital to assets | 11.0308% | 2,655 |
| Core capital (leverage) ratio | 10.9988% | 2,530 |
| Tier 1 risk-based capital ratio | 20.7650% | 1,186 |
| Total risk-based capital ratio | 21.2665% | 1,276 |
| Memoranda: | ||
| Average total assets | $561,536,400 | 1,265 |
| Average earning assets | $527,742,200 | 1,253 |
| Average equity | $60,752,800 | 1,304 |
| Average total loans | $340,969,200 | 1,437 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,301 |
| Cost of funding earning assets | 1.1656% | 301 |
| Net interest margin | 2.6951% | 5,167 |
| Noninterest income to average assets | 0.3032% | 4,121 |
| Noninterest expense to average assets | 1.2794% | 5,376 |
| Loan and lease loss provision to assets | 0.0714% | 2,531 |
| Net operating income to assets | 1.2313% | 2,118 |
| Return on assets (ROA) | 1.2313% | 2,119 |
| Pretax return on assets | 1.4854% | 1,951 |
| Return on Equity (ROE) | 11.4377% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.0041% | 924 |
| Net charge-offs to loans | 0.1833% | 914 |
| Credit loss provision to net charge-offs | 64.5161% | 2,686 |
| Earnings coverage of net charge-offs (x) | 14.0582% | 2,310 |
| Efficiency ratio | 45.1087% | 5,184 |
| Assets per employee ($millions) | 10.6046% | 278 |
| Cash dividends to net income (ytd only)* | 12.5339% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3879% | 5,297 |
| Loan loss allowance to noncurrent loans | 55.5281% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 2,713 |
| Noncurrent loans to loans | 0.6985% | 2,330 |
| Net loans and leases to total assets | 61.5021% | 3,699 |
| Net loans and leases to deposits | 100.3006% | 760 |
| Net loans and leases to core deposits | 112.8007% | 877 |
| Total domestic deposits to total assets | 61.3178% | 5,380 |
| Equity capital to assets | 10.8466% | 2,803 |
| Core capital (leverage) ratio | 10.8715% | 2,702 |
| Tier 1 risk-based capital ratio | 20.8997% | 1,198 |
| Total risk-based capital ratio | 21.3551% | 1,283 |
| Memoranda: | ||
| Average total assets | $559,828,000 | 1,270 |
| Average earning assets | $526,181,500 | 1,256 |
| Average equity | $60,267,000 | 1,315 |
| Average total loans | $338,164,750 | 1,449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,376 |
| Cost of funding earning assets | 1.0930% | 301 |
| Net interest margin | 2.6956% | 5,221 |
| Noninterest income to average assets | 0.2937% | 4,215 |
| Noninterest expense to average assets | 1.2710% | 5,439 |
| Loan and lease loss provision to assets | 0.0715% | 2,458 |
| Net operating income to assets | 1.2306% | 2,057 |
| Return on assets (ROA) | 1.2306% | 2,051 |
| Pretax return on assets | 1.4849% | 1,870 |
| Return on Equity (ROE) | 11.4600% | 1,923 |
| Retained earnings to average equity (ytd only) | 9.3012% | 1,127 |
| Net charge-offs to loans | 0.1325% | 1,128 |
| Credit loss provision to net charge-offs | 90.0901% | 2,154 |
| Earnings coverage of net charge-offs (x) | 19.5991% | 1,846 |
| Efficiency ratio | 44.9519% | 5,257 |
| Assets per employee ($millions) | 10.5103% | 272 |
| Cash dividends to net income (ytd only)* | 18.8372% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4299% | 5,332 |
| Loan loss allowance to noncurrent loans | 61.4021% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 2,835 |
| Noncurrent loans to loans | 0.7002% | 2,359 |
| Net loans and leases to total assets | 60.7606% | 3,733 |
| Net loans and leases to deposits | 98.3995% | 939 |
| Net loans and leases to core deposits | 110.5759% | 963 |
| Total domestic deposits to total assets | 61.7489% | 5,439 |
| Equity capital to assets | 10.7027% | 2,929 |
| Core capital (leverage) ratio | 10.7199% | 2,785 |
| Tier 1 risk-based capital ratio | 20.7484% | 1,213 |
| Total risk-based capital ratio | 21.2631% | 1,290 |
| Memoranda: | ||
| Average total assets | $559,088,670 | 1,273 |
| Average earning assets | $525,529,670 | 1,258 |
| Average equity | $60,035,000 | 1,321 |
| Average total loans | $335,214,330 | 1,463 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 4,387 |
| Cost of funding earning assets | 1.0142% | 348 |
| Net interest margin | 2.7239% | 5,238 |
| Noninterest income to average assets | 0.2884% | 4,243 |
| Noninterest expense to average assets | 1.2825% | 5,503 |
| Loan and lease loss provision to assets | 0.1442% | 1,298 |
| Net operating income to assets | 1.1816% | 2,085 |
| Return on assets (ROA) | 1.1816% | 2,097 |
| Pretax return on assets | 1.4195% | 1,940 |
| Return on Equity (ROE) | 10.9852% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.9852% | 901 |
| Net charge-offs to loans | 0.1820% | 803 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 14.4600% | 1,710 |
| Efficiency ratio | 45.0608% | 5,317 |
| Assets per employee ($millions) | 10.6575% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 5,363 |
| Loan loss allowance to noncurrent loans | 51.6887% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 2,662 |
| Noncurrent loans to loans | 0.9127% | 1,994 |
| Net loans and leases to total assets | 59.4215% | 3,803 |
| Net loans and leases to deposits | 91.0516% | 1,552 |
| Net loans and leases to core deposits | 112.8989% | 848 |
| Total domestic deposits to total assets | 65.2614% | 5,472 |
| Equity capital to assets | 10.6770% | 2,886 |
| Core capital (leverage) ratio | 10.7045% | 2,736 |
| Tier 1 risk-based capital ratio | 21.1873% | 1,179 |
| Total risk-based capital ratio | 21.7493% | 1,244 |
| Memoranda: | ||
| Average total assets | $554,854,500 | 1,289 |
| Average earning assets | $521,015,000 | 1,284 |
| Average equity | $59,680,500 | 1,338 |
| Average total loans | $329,651,500 | 1,491 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,531 |
| Cost of funding earning assets | 0.8721% | 434 |
| Net interest margin | 2.7491% | 5,225 |
| Noninterest income to average assets | 0.3237% | 4,152 |
| Noninterest expense to average assets | 1.3485% | 5,544 |
| Loan and lease loss provision to assets | 0.1057% | 2,123 |
| Net operating income to assets | 1.0923% | 1,880 |
| Return on assets (ROA) | 1.1628% | 1,669 |
| Pretax return on assets | 1.5355% | 1,505 |
| Return on Equity (ROE) | 10.3704% | 1,739 |
| Retained earnings to average equity (ytd only) | 8.2414% | 680 |
| Net charge-offs to loans | 0.0985% | 2,091 |
| Credit loss provision to net charge-offs | 177.4194% | 1,524 |
| Earnings coverage of net charge-offs (x) | 25.9871% | 1,695 |
| Efficiency ratio | 46.5499% | 5,380 |
| Assets per employee ($millions) | 9.9200% | 326 |
| Cash dividends to net income (ytd only)* | 20.5289% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4601% | 5,437 |
| Loan loss allowance to noncurrent loans | 41.5910% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,364 |
| Noncurrent loans to loans | 1.1062% | 1,598 |
| Net loans and leases to total assets | 58.8500% | 3,937 |
| Net loans and leases to deposits | 92.3352% | 1,477 |
| Net loans and leases to core deposits | 113.3414% | 825 |
| Total domestic deposits to total assets | 63.7352% | 5,552 |
| Equity capital to assets | 10.8349% | 2,797 |
| Core capital (leverage) ratio | 10.4850% | 2,856 |
| Tier 1 risk-based capital ratio | 20.4530% | 1,235 |
| Total risk-based capital ratio | 20.9949% | 1,337 |
| Memoranda: | ||
| Average total assets | $520,275,400 | 1,347 |
| Average earning assets | $486,987,200 | 1,340 |
| Average equity | $58,339,400 | 1,345 |
| Average total loans | $314,758,400 | 1,505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 4,581 |
| Cost of funding earning assets | 0.8326% | 486 |
| Net interest margin | 2.7609% | 5,270 |
| Noninterest income to average assets | 0.3352% | 4,134 |
| Noninterest expense to average assets | 1.3360% | 5,603 |
| Loan and lease loss provision to assets | 0.0261% | 3,614 |
| Net operating income to assets | 1.1032% | 2,079 |
| Return on assets (ROA) | 1.1926% | 1,760 |
| Pretax return on assets | 1.6827% | 1,166 |
| Return on Equity (ROE) | 10.5394% | 1,886 |
| Retained earnings to average equity (ytd only) | 9.1710% | 794 |
| Net charge-offs to loans | 0.0420% | 2,606 |
| Credit loss provision to net charge-offs | 102.0408% | 2,238 |
| Earnings coverage of net charge-offs (x) | 61.9608% | 971 |
| Efficiency ratio | 45.7712% | 5,427 |
| Assets per employee ($millions) | 10.2521% | 288 |
| Cash dividends to net income (ytd only)* | 12.9836% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3965% | 5,564 |
| Loan loss allowance to noncurrent loans | 31.5985% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 2,234 |
| Noncurrent loans to loans | 1.2548% | 1,524 |
| Net loans and leases to total assets | 60.0790% | 3,852 |
| Net loans and leases to deposits | 93.5232% | 1,350 |
| Net loans and leases to core deposits | 115.6475% | 759 |
| Total domestic deposits to total assets | 64.2397% | 5,616 |
| Equity capital to assets | 11.1941% | 2,678 |
| Core capital (leverage) ratio | 11.2452% | 2,223 |
| Tier 1 risk-based capital ratio | 21.3083% | 1,142 |
| Total risk-based capital ratio | 21.7870% | 1,243 |
| Memoranda: | ||
| Average total assets | $511,464,500 | 1,379 |
| Average earning assets | $478,631,250 | 1,371 |
| Average equity | $57,876,750 | 1,371 |
| Average total loans | $311,339,500 | 1,527 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,497 |
| Cost of funding earning assets | 0.8003% | 522 |
| Net interest margin | 2.8048% | 5,234 |
| Noninterest income to average assets | 0.3522% | 4,038 |
| Noninterest expense to average assets | 1.3418% | 5,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1674% | 1,712 |
| Return on assets (ROA) | 1.2411% | 1,499 |
| Pretax return on assets | 1.7357% | 972 |
| Return on Equity (ROE) | 10.9259% | 1,673 |
| Retained earnings to average equity (ytd only) | 8.8518% | 884 |
| Net charge-offs to loans | -0.0065% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1007% | 5,488 |
| Assets per employee ($millions) | 9.5665% | 342 |
| Cash dividends to net income (ytd only)* | 18.9837% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4004% | 5,611 |
| Loan loss allowance to noncurrent loans | 33.9878% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.7434% | 2,338 |
| Noncurrent loans to loans | 1.1782% | 1,660 |
| Net loans and leases to total assets | 62.8421% | 3,530 |
| Net loans and leases to deposits | 99.0143% | 811 |
| Net loans and leases to core deposits | 115.6424% | 730 |
| Total domestic deposits to total assets | 63.4678% | 5,670 |
| Equity capital to assets | 11.7142% | 2,141 |
| Core capital (leverage) ratio | 11.1482% | 2,275 |
| Tier 1 risk-based capital ratio | 22.1527% | 1,032 |
| Total risk-based capital ratio | 22.6661% | 1,107 |
| Memoranda: | ||
| Average total assets | $504,249,000 | 1,404 |
| Average earning assets | $471,556,000 | 1,395 |
| Average equity | $57,276,670 | 1,382 |
| Average total loans | $307,931,670 | 1,539 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5807% | 4,473 |
| Cost of funding earning assets | 0.7900% | 520 |
| Net interest margin | 2.7907% | 5,260 |
| Noninterest income to average assets | 0.3850% | 3,775 |
| Noninterest expense to average assets | 1.3220% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1968% | 1,509 |
| Return on assets (ROA) | 1.2839% | 1,314 |
| Pretax return on assets | 1.7914% | 819 |
| Return on Equity (ROE) | 11.4839% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.4839% | 535 |
| Net charge-offs to loans | -0.0252% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1786% | 5,590 |
| Assets per employee ($millions) | 10.0332% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4161% | 5,675 |
| Loan loss allowance to noncurrent loans | 52.1212% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 3,287 |
| Noncurrent loans to loans | 0.7984% | 2,462 |
| Net loans and leases to total assets | 60.3284% | 3,750 |
| Net loans and leases to deposits | 93.7744% | 1,131 |
| Net loans and leases to core deposits | 109.2006% | 918 |
| Total domestic deposits to total assets | 64.3335% | 5,738 |
| Equity capital to assets | 11.1715% | 2,460 |
| Core capital (leverage) ratio | 10.9222% | 2,453 |
| Tier 1 risk-based capital ratio | 22.6938% | 1,015 |
| Total risk-based capital ratio | 23.2328% | 1,068 |
| Memoranda: | ||
| Average total assets | $502,860,500 | 1,414 |
| Average earning assets | $469,852,000 | 1,408 |
| Average equity | $56,218,000 | 1,395 |
| Average total loans | $301,944,000 | 1,572 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5251% | 4,715 |
| Cost of funding earning assets | 0.7354% | 678 |
| Net interest margin | 2.7897% | 5,308 |
| Noninterest income to average assets | 0.3970% | 3,911 |
| Noninterest expense to average assets | 1.3975% | 5,771 |
| Loan and lease loss provision to assets | 0.0803% | 2,756 |
| Net operating income to assets | 1.1286% | 1,784 |
| Return on assets (ROA) | 1.2106% | 1,558 |
| Pretax return on assets | 1.6397% | 1,166 |
| Return on Equity (ROE) | 10.9665% | 1,590 |
| Retained earnings to average equity (ytd only) | 8.8063% | 626 |
| Net charge-offs to loans | 0.0835% | 2,495 |
| Credit loss provision to net charge-offs | 173.9130% | 1,595 |
| Earnings coverage of net charge-offs (x) | 34.8565% | 1,303 |
| Efficiency ratio | 46.4784% | 5,626 |
| Assets per employee ($millions) | 9.3213% | 387 |
| Cash dividends to net income (ytd only)* | 19.6982% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4325% | 5,713 |
| Loan loss allowance to noncurrent loans | 83.3443% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 4,039 |
| Noncurrent loans to loans | 0.5189% | 3,292 |
| Net loans and leases to total assets | 59.2337% | 3,934 |
| Net loans and leases to deposits | 90.6770% | 1,612 |
| Net loans and leases to core deposits | 102.9260% | 1,365 |
| Total domestic deposits to total assets | 65.3238% | 5,770 |
| Equity capital to assets | 11.1880% | 2,433 |
| Core capital (leverage) ratio | 10.7726% | 2,560 |
| Tier 1 risk-based capital ratio | 23.2353% | 945 |
| Total risk-based capital ratio | 23.7961% | 993 |
| Memoranda: | ||
| Average total assets | $498,193,000 | 1,382 |
| Average earning assets | $466,030,200 | 1,364 |
| Average equity | $54,994,600 | 1,398 |
| Average total loans | $275,374,400 | 1,640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4965% | 4,812 |
| Cost of funding earning assets | 0.7261% | 713 |
| Net interest margin | 2.7704% | 5,407 |
| Noninterest income to average assets | 0.4302% | 3,688 |
| Noninterest expense to average assets | 1.3901% | 5,823 |
| Loan and lease loss provision to assets | 0.0534% | 3,187 |
| Net operating income to assets | 1.1592% | 1,768 |
| Return on assets (ROA) | 1.2619% | 1,511 |
| Pretax return on assets | 1.7218% | 1,056 |
| Return on Equity (ROE) | 11.4698% | 1,499 |
| Retained earnings to average equity (ytd only) | 10.1590% | 547 |
| Net charge-offs to loans | 0.0478% | 2,689 |
| Credit loss provision to net charge-offs | 206.1856% | 1,411 |
| Earnings coverage of net charge-offs (x) | 63.0929% | 916 |
| Efficiency ratio | 45.9603% | 5,672 |
| Assets per employee ($millions) | 9.7275% | 322 |
| Cash dividends to net income (ytd only)* | 11.4285% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 5,787 |
| Loan loss allowance to noncurrent loans | 60.7251% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,821 |
| Noncurrent loans to loans | 0.6907% | 2,963 |
| Net loans and leases to total assets | 57.7166% | 4,122 |
| Net loans and leases to deposits | 90.7542% | 1,665 |
| Net loans and leases to core deposits | 103.2795% | 1,394 |
| Total domestic deposits to total assets | 63.5966% | 5,852 |
| Equity capital to assets | 11.5339% | 2,485 |
| Core capital (leverage) ratio | 10.5010% | 2,998 |
| Tier 1 risk-based capital ratio | 23.1866% | 984 |
| Total risk-based capital ratio | 23.7246% | 1,047 |
| Memoranda: | ||
| Average total assets | $499,234,250 | 1,380 |
| Average earning assets | $467,506,750 | 1,355 |
| Average equity | $54,925,250 | 1,407 |
| Average total loans | $270,742,500 | 1,667 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 4,957 |
| Cost of funding earning assets | 0.7099% | 764 |
| Net interest margin | 2.7520% | 5,504 |
| Noninterest income to average assets | 0.3374% | 4,367 |
| Noninterest expense to average assets | 1.3449% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1556% | 1,752 |
| Return on assets (ROA) | 1.2189% | 1,633 |
| Pretax return on assets | 1.6571% | 1,203 |
| Return on Equity (ROE) | 11.2592% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.2651% | 779 |
| Net charge-offs to loans | 0.0739% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.1122% | 1,157 |
| Efficiency ratio | 46.1138% | 5,750 |
| Assets per employee ($millions) | 9.1677% | 368 |
| Cash dividends to net income (ytd only)* | 17.7107% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 5,898 |
| Loan loss allowance to noncurrent loans | 98.0469% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 4,671 |
| Noncurrent loans to loans | 0.3810% | 3,999 |
| Net loans and leases to total assets | 53.0984% | 4,576 |
| Net loans and leases to deposits | 82.7922% | 2,619 |
| Net loans and leases to core deposits | 97.3069% | 1,862 |
| Total domestic deposits to total assets | 64.1346% | 5,929 |
| Equity capital to assets | 11.0980% | 2,948 |
| Core capital (leverage) ratio | 10.2143% | 3,319 |
| Tier 1 risk-based capital ratio | 23.1464% | 999 |
| Total risk-based capital ratio | 23.6087% | 1,079 |
| Memoranda: | ||
| Average total assets | $500,278,330 | 1,385 |
| Average earning assets | $468,818,330 | 1,355 |
| Average equity | $54,160,330 | 1,430 |
| Average total loans | $265,143,670 | 1,697 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4335% | 5,038 |
| Cost of funding earning assets | 0.6996% | 808 |
| Net interest margin | 2.7340% | 5,561 |
| Noninterest income to average assets | 0.3797% | 3,991 |
| Noninterest expense to average assets | 1.3060% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1907% | 1,591 |
| Return on assets (ROA) | 1.2587% | 1,474 |
| Pretax return on assets | 1.7267% | 1,001 |
| Return on Equity (ROE) | 11.7760% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.7760% | 534 |
| Net charge-offs to loans | -0.0182% | 4,811 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4293% | 5,860 |
| Assets per employee ($millions) | 8.5215% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4224% | 5,930 |
| Loan loss allowance to noncurrent loans | 179.6774% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 5,075 |
| Noncurrent loans to loans | 0.2351% | 4,590 |
| Net loans and leases to total assets | 52.2325% | 4,611 |
| Net loans and leases to deposits | 82.2068% | 2,517 |
| Net loans and leases to core deposits | 96.1849% | 1,776 |
| Total domestic deposits to total assets | 63.5379% | 6,006 |
| Equity capital to assets | 10.7442% | 3,210 |
| Core capital (leverage) ratio | 10.1276% | 3,393 |
| Tier 1 risk-based capital ratio | 23.1454% | 999 |
| Total risk-based capital ratio | 23.6685% | 1,077 |
| Memoranda: | ||
| Average total assets | $498,305,500 | 1,387 |
| Average earning assets | $466,574,500 | 1,358 |
| Average equity | $53,261,000 | 1,444 |
| Average total loans | $263,346,000 | 1,701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 4,948 |
| Cost of funding earning assets | 0.7060% | 792 |
| Net interest margin | 2.7828% | 5,546 |
| Noninterest income to average assets | 0.3413% | 4,470 |
| Noninterest expense to average assets | 1.3683% | 6,048 |
| Loan and lease loss provision to assets | 0.0318% | 3,731 |
| Net operating income to assets | 1.1337% | 1,793 |
| Return on assets (ROA) | 1.2021% | 1,613 |
| Pretax return on assets | 1.6318% | 1,161 |
| Return on Equity (ROE) | 11.2481% | 1,532 |
| Retained earnings to average equity (ytd only) | 8.8914% | 677 |
| Net charge-offs to loans | 0.0886% | 2,555 |
| Credit loss provision to net charge-offs | 67.8733% | 3,159 |
| Earnings coverage of net charge-offs (x) | 33.5339% | 1,341 |
| Efficiency ratio | 46.3830% | 5,908 |
| Assets per employee ($millions) | 8.9790% | 387 |
| Cash dividends to net income (ytd only)* | 20.9524% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4191% | 5,981 |
| Loan loss allowance to noncurrent loans | 117.2340% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,834 |
| Noncurrent loans to loans | 0.3575% | 4,170 |
| Net loans and leases to total assets | 53.0266% | 4,598 |
| Net loans and leases to deposits | 82.7913% | 2,500 |
| Net loans and leases to core deposits | 96.1693% | 1,830 |
| Total domestic deposits to total assets | 64.0484% | 6,048 |
| Equity capital to assets | 10.6317% | 3,206 |
| Core capital (leverage) ratio | 9.8482% | 3,716 |
| Tier 1 risk-based capital ratio | 22.2053% | 1,119 |
| Total risk-based capital ratio | 22.7184% | 1,201 |
| Memoranda: | ||
| Average total assets | $471,685,000 | 1,429 |
| Average earning assets | $440,379,800 | 1,409 |
| Average equity | $50,408,400 | 1,476 |
| Average total loans | $249,301,800 | 1,737 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4816% | 5,026 |
| Cost of funding earning assets | 0.7108% | 791 |
| Net interest margin | 2.7708% | 5,632 |
| Noninterest income to average assets | 0.3524% | 4,422 |
| Noninterest expense to average assets | 1.3446% | 6,131 |
| Loan and lease loss provision to assets | 0.0286% | 3,666 |
| Net operating income to assets | 1.1530% | 1,819 |
| Return on assets (ROA) | 1.2279% | 1,617 |
| Pretax return on assets | 1.6661% | 1,195 |
| Return on Equity (ROE) | 11.4742% | 1,539 |
| Retained earnings to average equity (ytd only) | 10.0309% | 629 |
| Net charge-offs to loans | 0.0943% | 2,219 |
| Credit loss provision to net charge-offs | 57.4713% | 2,941 |
| Earnings coverage of net charge-offs (x) | 32.0178% | 1,435 |
| Efficiency ratio | 45.5997% | 5,979 |
| Assets per employee ($millions) | 9.2422% | 345 |
| Cash dividends to net income (ytd only)* | 12.5786% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4343% | 6,063 |
| Loan loss allowance to noncurrent loans | 57.0021% | 4,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 4,164 |
| Noncurrent loans to loans | 0.7619% | 3,059 |
| Net loans and leases to total assets | 52.4241% | 4,715 |
| Net loans and leases to deposits | 79.5352% | 2,931 |
| Net loans and leases to core deposits | 94.6703% | 2,016 |
| Total domestic deposits to total assets | 65.9131% | 6,096 |
| Equity capital to assets | 10.7072% | 3,348 |
| Core capital (leverage) ratio | 9.9640% | 3,685 |
| Tier 1 risk-based capital ratio | 22.8121% | 1,082 |
| Total risk-based capital ratio | 23.3464% | 1,160 |
| Memoranda: | ||
| Average total assets | $466,145,000 | 1,451 |
| Average earning assets | $434,999,250 | 1,432 |
| Average equity | $49,884,500 | 1,496 |
| Average total loans | $245,884,500 | 1,761 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,980 |
| Cost of funding earning assets | 0.7316% | 711 |
| Net interest margin | 2.7689% | 5,677 |
| Noninterest income to average assets | 0.3759% | 4,257 |
| Noninterest expense to average assets | 1.3435% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2013% | 1,598 |
| Return on assets (ROA) | 1.2260% | 1,597 |
| Pretax return on assets | 1.6500% | 1,191 |
| Return on Equity (ROE) | 11.4587% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.2707% | 836 |
| Net charge-offs to loans | 0.1207% | 1,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 25.3673% | 1,527 |
| Efficiency ratio | 45.2109% | 6,066 |
| Assets per employee ($millions) | 8.6856% | 407 |
| Cash dividends to net income (ytd only)* | 19.0948% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4049% | 6,161 |
| Loan loss allowance to noncurrent loans | 133.5938% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 5,218 |
| Noncurrent loans to loans | 0.3031% | 4,602 |
| Net loans and leases to total assets | 53.8077% | 4,576 |
| Net loans and leases to deposits | 79.6383% | 2,838 |
| Net loans and leases to core deposits | 95.0424% | 1,874 |
| Total domestic deposits to total assets | 67.5651% | 6,127 |
| Equity capital to assets | 10.6245% | 3,296 |
| Core capital (leverage) ratio | 9.9631% | 3,659 |
| Tier 1 risk-based capital ratio | 22.1519% | 1,183 |
| Total risk-based capital ratio | 22.6524% | 1,275 |
| Memoranda: | ||
| Average total assets | $461,329,330 | 1,471 |
| Average earning assets | $430,565,670 | 1,457 |
| Average equity | $49,360,000 | 1,524 |
| Average total loans | $243,497,670 | 1,785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,957 |
| Cost of funding earning assets | 0.7412% | 691 |
| Net interest margin | 2.7616% | 5,719 |
| Noninterest income to average assets | 0.4153% | 3,878 |
| Noninterest expense to average assets | 1.3736% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1963% | 1,561 |
| Return on assets (ROA) | 1.2118% | 1,606 |
| Pretax return on assets | 1.6394% | 1,175 |
| Return on Equity (ROE) | 11.2856% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.2856% | 676 |
| Net charge-offs to loans | 0.1610% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.2813% | 1,453 |
| Efficiency ratio | 45.7335% | 6,114 |
| Assets per employee ($millions) | 8.4379% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4486% | 6,206 |
| Loan loss allowance to noncurrent loans | 53.9850% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 4,317 |
| Noncurrent loans to loans | 0.8310% | 3,164 |
| Net loans and leases to total assets | 51.4960% | 4,705 |
| Net loans and leases to deposits | 74.4566% | 3,243 |
| Net loans and leases to core deposits | 88.2752% | 2,301 |
| Total domestic deposits to total assets | 69.1624% | 6,161 |
| Equity capital to assets | 10.7522% | 3,259 |
| Core capital (leverage) ratio | 9.8943% | 3,758 |
| Tier 1 risk-based capital ratio | 23.0113% | 1,102 |
| Total risk-based capital ratio | 23.5686% | 1,182 |
| Memoranda: | ||
| Average total assets | $457,484,000 | 1,488 |
| Average earning assets | $426,859,500 | 1,478 |
| Average equity | $49,124,500 | 1,532 |
| Average total loans | $238,549,000 | 1,824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 5,145 |
| Cost of funding earning assets | 0.8037% | 636 |
| Net interest margin | 2.7723% | 5,847 |
| Noninterest income to average assets | 0.3640% | 4,488 |
| Noninterest expense to average assets | 1.4471% | 6,326 |
| Loan and lease loss provision to assets | 0.0339% | 3,912 |
| Net operating income to assets | 1.0742% | 2,075 |
| Return on assets (ROA) | 1.1517% | 1,832 |
| Pretax return on assets | 1.5643% | 1,337 |
| Return on Equity (ROE) | 11.1531% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.6688% | 780 |
| Net charge-offs to loans | 0.0545% | 3,746 |
| Credit loss provision to net charge-offs | 120.9677% | 1,982 |
| Earnings coverage of net charge-offs (x) | 53.2419% | 881 |
| Efficiency ratio | 48.8576% | 6,150 |
| Assets per employee ($millions) | 8.5073% | 433 |
| Cash dividends to net income (ytd only)* | 22.2746% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4949% | 6,262 |
| Loan loss allowance to noncurrent loans | 119.0863% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2185% | 5,148 |
| Noncurrent loans to loans | 0.4155% | 4,397 |
| Net loans and leases to total assets | 52.3113% | 4,759 |
| Net loans and leases to deposits | 75.1612% | 3,292 |
| Net loans and leases to core deposits | 87.6323% | 2,535 |
| Total domestic deposits to total assets | 69.5989% | 6,212 |
| Equity capital to assets | 10.7234% | 3,208 |
| Core capital (leverage) ratio | 9.7091% | 3,963 |
| Tier 1 risk-based capital ratio | 22.1189% | 1,205 |
| Total risk-based capital ratio | 22.7218% | 1,289 |
| Memoranda: | ||
| Average total assets | $442,053,400 | 1,505 |
| Average earning assets | $410,843,000 | 1,491 |
| Average equity | $45,646,400 | 1,574 |
| Average total loans | $227,484,000 | 1,842 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5594% | 5,243 |
| Cost of funding earning assets | 0.8080% | 662 |
| Net interest margin | 2.7515% | 5,937 |
| Noninterest income to average assets | 0.3983% | 4,255 |
| Noninterest expense to average assets | 1.4556% | 6,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1092% | 1,989 |
| Return on assets (ROA) | 1.1464% | 1,937 |
| Pretax return on assets | 1.5490% | 1,484 |
| Return on Equity (ROE) | 11.2130% | 1,710 |
| Retained earnings to average equity (ytd only) | 9.6120% | 805 |
| Net charge-offs to loans | 0.0539% | 3,441 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 54.3298% | 929 |
| Efficiency ratio | 48.9124% | 6,162 |
| Assets per employee ($millions) | 7.8866% | 551 |
| Cash dividends to net income (ytd only)* | 14.2781% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 6,374 |
| Loan loss allowance to noncurrent loans | 136.6106% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,500 |
| Noncurrent loans to loans | 0.3348% | 4,898 |
| Net loans and leases to total assets | 52.0351% | 4,803 |
| Net loans and leases to deposits | 73.5022% | 3,495 |
| Net loans and leases to core deposits | 86.6375% | 2,593 |
| Total domestic deposits to total assets | 70.7939% | 6,242 |
| Equity capital to assets | 10.7810% | 3,205 |
| Core capital (leverage) ratio | 9.9190% | 3,782 |
| Tier 1 risk-based capital ratio | 22.0159% | 1,259 |
| Total risk-based capital ratio | 22.5658% | 1,361 |
| Memoranda: | ||
| Average total assets | $439,845,500 | 1,524 |
| Average earning assets | $408,592,750 | 1,508 |
| Average equity | $44,970,500 | 1,607 |
| Average total loans | $225,095,750 | 1,871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5497% | 5,290 |
| Cost of funding earning assets | 0.8012% | 696 |
| Net interest margin | 2.7485% | 5,990 |
| Noninterest income to average assets | 0.4303% | 4,024 |
| Noninterest expense to average assets | 1.4666% | 6,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1138% | 1,882 |
| Return on assets (ROA) | 1.1670% | 1,766 |
| Pretax return on assets | 1.5864% | 1,286 |
| Return on Equity (ROE) | 11.6264% | 1,543 |
| Retained earnings to average equity (ytd only) | 9.1768% | 928 |
| Net charge-offs to loans | 0.0090% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 332.6000% | 208 |
| Efficiency ratio | 48.8468% | 6,234 |
| Assets per employee ($millions) | 7.4823% | 638 |
| Cash dividends to net income (ytd only)* | 21.0691% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5077% | 6,405 |
| Loan loss allowance to noncurrent loans | 127.4664% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 5,506 |
| Noncurrent loans to loans | 0.3983% | 4,793 |
| Net loans and leases to total assets | 51.3427% | 4,815 |
| Net loans and leases to deposits | 70.7691% | 3,727 |
| Net loans and leases to core deposits | 84.5431% | 2,679 |
| Total domestic deposits to total assets | 72.5496% | 6,212 |
| Equity capital to assets | 10.6193% | 3,286 |
| Core capital (leverage) ratio | 9.3667% | 4,508 |
| Tier 1 risk-based capital ratio | 22.1459% | 1,237 |
| Total risk-based capital ratio | 22.7599% | 1,320 |
| Memoranda: | ||
| Average total assets | $439,244,670 | 1,525 |
| Average earning assets | $407,638,000 | 1,505 |
| Average equity | $44,089,330 | 1,622 |
| Average total loans | $223,171,670 | 1,876 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 5,447 |
| Cost of funding earning assets | 0.7921% | 773 |
| Net interest margin | 2.6993% | 6,113 |
| Noninterest income to average assets | 0.3929% | 4,249 |
| Noninterest expense to average assets | 1.4619% | 6,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0718% | 1,922 |
| Return on assets (ROA) | 1.0718% | 1,991 |
| Pretax return on assets | 1.4357% | 1,621 |
| Return on Equity (ROE) | 10.9906% | 1,685 |
| Retained earnings to average equity (ytd only) | 10.9906% | 745 |
| Net charge-offs to loans | 0.0126% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 226.5714% | 219 |
| Efficiency ratio | 50.0781% | 6,248 |
| Assets per employee ($millions) | 7.5138% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5159% | 6,492 |
| Loan loss allowance to noncurrent loans | 416.0584% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 6,089 |
| Noncurrent loans to loans | 0.1240% | 5,735 |
| Net loans and leases to total assets | 49.5923% | 4,948 |
| Net loans and leases to deposits | 66.0796% | 4,085 |
| Net loans and leases to core deposits | 78.2440% | 3,176 |
| Total domestic deposits to total assets | 75.0493% | 6,154 |
| Equity capital to assets | 9.9566% | 3,896 |
| Core capital (leverage) ratio | 9.2248% | 4,684 |
| Tier 1 risk-based capital ratio | 22.1573% | 1,270 |
| Total risk-based capital ratio | 22.7869% | 1,343 |
| Memoranda: | ||
| Average total assets | $441,879,000 | 1,520 |
| Average earning assets | $410,033,000 | 1,504 |
| Average equity | $43,091,500 | 1,648 |
| Average total loans | $222,781,500 | 1,881 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 5,913 |
| Cost of funding earning assets | 0.8906% | 778 |
| Net interest margin | 2.4645% | 6,400 |
| Noninterest income to average assets | 0.3964% | 4,474 |
| Noninterest expense to average assets | 1.4518% | 6,601 |
| Loan and lease loss provision to assets | 0.0581% | 3,977 |
| Net operating income to assets | 0.8924% | 2,821 |
| Return on assets (ROA) | 0.9645% | 2,560 |
| Pretax return on assets | 1.2649% | 2,295 |
| Return on Equity (ROE) | 10.0568% | 2,091 |
| Retained earnings to average equity (ytd only) | 7.3074% | 1,314 |
| Net charge-offs to loans | 0.1105% | 3,720 |
| Credit loss provision to net charge-offs | 111.6071% | 2,155 |
| Earnings coverage of net charge-offs (x) | 23.5804% | 1,405 |
| Efficiency ratio | 53.5572% | 6,174 |
| Assets per employee ($millions) | 7.5938% | 580 |
| Cash dividends to net income (ytd only)* | 27.3385% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5107% | 6,562 |
| Loan loss allowance to noncurrent loans | 281.1275% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 6,002 |
| Noncurrent loans to loans | 0.1817% | 5,657 |
| Net loans and leases to total assets | 50.7276% | 5,002 |
| Net loans and leases to deposits | 69.3762% | 3,861 |
| Net loans and leases to core deposits | 82.5114% | 2,832 |
| Total domestic deposits to total assets | 73.1196% | 6,347 |
| Equity capital to assets | 9.5458% | 4,354 |
| Core capital (leverage) ratio | 8.9929% | 5,021 |
| Tier 1 risk-based capital ratio | 20.8807% | 1,445 |
| Total risk-based capital ratio | 21.4966% | 1,568 |
| Memoranda: | ||
| Average total assets | $430,086,800 | 1,538 |
| Average earning assets | $398,491,000 | 1,516 |
| Average equity | $41,245,600 | 1,695 |
| Average total loans | $202,629,200 | 1,984 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3063% | 6,053 |
| Cost of funding earning assets | 0.9108% | 778 |
| Net interest margin | 2.3956% | 6,522 |
| Noninterest income to average assets | 0.4048% | 4,495 |
| Noninterest expense to average assets | 1.4425% | 6,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8924% | 2,871 |
| Return on assets (ROA) | 1.0071% | 2,433 |
| Pretax return on assets | 1.3324% | 2,202 |
| Return on Equity (ROE) | 10.4888% | 2,004 |
| Retained earnings to average equity (ytd only) | 8.7347% | 1,145 |
| Net charge-offs to loans | 0.0920% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.8528% | 1,295 |
| Efficiency ratio | 54.3445% | 6,082 |
| Assets per employee ($millions) | 7.2769% | 657 |
| Cash dividends to net income (ytd only)* | 16.7234% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 6,674 |
| Loan loss allowance to noncurrent loans | 216.4835% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 6,072 |
| Noncurrent loans to loans | 0.2206% | 5,683 |
| Net loans and leases to total assets | 47.8054% | 5,367 |
| Net loans and leases to deposits | 65.5234% | 4,351 |
| Net loans and leases to core deposits | 76.5381% | 3,560 |
| Total domestic deposits to total assets | 72.9594% | 6,437 |
| Equity capital to assets | 9.4143% | 4,654 |
| Core capital (leverage) ratio | 9.0840% | 4,992 |
| Tier 1 risk-based capital ratio | 19.7310% | 1,803 |
| Total risk-based capital ratio | 20.2357% | 1,951 |
| Memoranda: | ||
| Average total assets | $427,497,750 | 1,556 |
| Average earning assets | $395,996,750 | 1,537 |
| Average equity | $41,046,000 | 1,713 |
| Average total loans | $197,143,250 | 2,030 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 6,103 |
| Cost of funding earning assets | 0.9184% | 821 |
| Net interest margin | 2.3721% | 6,576 |
| Noninterest income to average assets | 0.4226% | 4,360 |
| Noninterest expense to average assets | 1.4393% | 6,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8878% | 2,860 |
| Return on assets (ROA) | 1.0579% | 2,200 |
| Pretax return on assets | 1.4126% | 1,884 |
| Return on Equity (ROE) | 10.9466% | 1,828 |
| Retained earnings to average equity (ytd only) | 8.3287% | 1,355 |
| Net charge-offs to loans | 0.0330% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 79.0938% | 572 |
| Efficiency ratio | 54.2031% | 6,133 |
| Assets per employee ($millions) | 7.5838% | 542 |
| Cash dividends to net income (ytd only)* | 23.9150% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 6,675 |
| Loan loss allowance to noncurrent loans | 168.9441% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 6,008 |
| Noncurrent loans to loans | 0.3175% | 5,498 |
| Net loans and leases to total assets | 46.6776% | 5,457 |
| Net loans and leases to deposits | 63.0076% | 4,623 |
| Net loans and leases to core deposits | 75.0068% | 3,672 |
| Total domestic deposits to total assets | 74.0824% | 6,438 |
| Equity capital to assets | 9.3001% | 4,858 |
| Core capital (leverage) ratio | 8.8300% | 5,248 |
| Tier 1 risk-based capital ratio | 19.5961% | 1,830 |
| Total risk-based capital ratio | 20.1649% | 1,977 |
| Memoranda: | ||
| Average total assets | $426,885,000 | 1,562 |
| Average earning assets | $396,352,330 | 1,534 |
| Average equity | $41,255,000 | 1,712 |
| Average total loans | $194,114,000 | 2,059 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 6,134 |
| Cost of funding earning assets | 0.9314% | 842 |
| Net interest margin | 2.3808% | 6,614 |
| Noninterest income to average assets | 0.4564% | 4,081 |
| Noninterest expense to average assets | 1.4295% | 6,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9030% | 2,644 |
| Return on assets (ROA) | 1.2334% | 1,537 |
| Pretax return on assets | 1.6898% | 1,102 |
| Return on Equity (ROE) | 12.5223% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.5223% | 621 |
| Net charge-offs to loans | -0.0042% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9703% | 6,311 |
| Assets per employee ($millions) | 7.6655% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5826% | 6,726 |
| Loan loss allowance to noncurrent loans | 236.7089% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,209 |
| Noncurrent loans to loans | 0.2461% | 5,798 |
| Net loans and leases to total assets | 44.5994% | 5,600 |
| Net loans and leases to deposits | 60.6673% | 4,717 |
| Net loans and leases to core deposits | 71.3880% | 3,899 |
| Total domestic deposits to total assets | 73.5148% | 6,567 |
| Equity capital to assets | 9.7913% | 4,436 |
| Core capital (leverage) ratio | 9.0082% | 4,870 |
| Tier 1 risk-based capital ratio | 20.5010% | 1,651 |
| Total risk-based capital ratio | 21.1223% | 1,775 |
| Memoranda: | ||
| Average total assets | $424,190,500 | 1,586 |
| Average earning assets | $393,820,000 | 1,558 |
| Average equity | $41,781,500 | 1,718 |
| Average total loans | $189,739,500 | 2,117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7075% | 6,033 |
| Cost of funding earning assets | 1.0782% | 990 |
| Net interest margin | 2.6293% | 6,604 |
| Noninterest income to average assets | 0.4222% | 4,441 |
| Noninterest expense to average assets | 1.4834% | 6,878 |
| Loan and lease loss provision to assets | 0.1848% | 3,328 |
| Net operating income to assets | 0.9033% | 2,800 |
| Return on assets (ROA) | 0.9567% | 2,764 |
| Pretax return on assets | 1.2547% | 2,590 |
| Return on Equity (ROE) | 9.6103% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.8030% | 1,671 |
| Net charge-offs to loans | 0.5578% | 2,070 |
| Credit loss provision to net charge-offs | 73.3855% | 4,058 |
| Earnings coverage of net charge-offs (x) | 5.4364% | 3,037 |
| Efficiency ratio | 51.1879% | 6,511 |
| Assets per employee ($millions) | 7.2261% | 698 |
| Cash dividends to net income (ytd only)* | 29.2117% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5998% | 6,756 |
| Loan loss allowance to noncurrent loans | 79.7297% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 5,646 |
| Noncurrent loans to loans | 0.7523% | 4,673 |
| Net loans and leases to total assets | 44.3281% | 5,791 |
| Net loans and leases to deposits | 61.0762% | 4,903 |
| Net loans and leases to core deposits | 73.1704% | 3,897 |
| Total domestic deposits to total assets | 72.5784% | 6,657 |
| Equity capital to assets | 9.9095% | 4,299 |
| Core capital (leverage) ratio | 8.7754% | 5,217 |
| Tier 1 risk-based capital ratio | 19.7187% | 1,745 |
| Total risk-based capital ratio | 20.3385% | 1,907 |
| Memoranda: | ||
| Average total assets | $405,765,000 | 1,617 |
| Average earning assets | $375,074,600 | 1,597 |
| Average equity | $40,394,000 | 1,725 |
| Average total loans | $183,221,200 | 2,162 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 6,027 |
| Cost of funding earning assets | 1.1058% | 1,041 |
| Net interest margin | 2.6948% | 6,650 |
| Noninterest income to average assets | 0.4317% | 4,405 |
| Noninterest expense to average assets | 1.4939% | 6,942 |
| Loan and lease loss provision to assets | 0.2485% | 2,577 |
| Net operating income to assets | 0.8981% | 2,989 |
| Return on assets (ROA) | 0.9598% | 2,918 |
| Pretax return on assets | 1.2606% | 2,750 |
| Return on Equity (ROE) | 9.6301% | 2,529 |
| Retained earnings to average equity (ytd only) | 7.8350% | 1,689 |
| Net charge-offs to loans | 0.7365% | 1,501 |
| Credit loss provision to net charge-offs | 74.4786% | 3,784 |
| Earnings coverage of net charge-offs (x) | 4.2800% | 3,353 |
| Efficiency ratio | 50.3232% | 6,564 |
| Assets per employee ($millions) | 7.2698% | 648 |
| Cash dividends to net income (ytd only)* | 18.6399% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5972% | 6,871 |
| Loan loss allowance to noncurrent loans | 110.0775% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 6,062 |
| Noncurrent loans to loans | 0.5425% | 5,356 |
| Net loans and leases to total assets | 46.4451% | 5,715 |
| Net loans and leases to deposits | 64.7581% | 4,622 |
| Net loans and leases to core deposits | 77.9980% | 3,462 |
| Total domestic deposits to total assets | 71.7208% | 6,758 |
| Equity capital to assets | 10.2810% | 4,103 |
| Core capital (leverage) ratio | 8.8831% | 5,215 |
| Tier 1 risk-based capital ratio | 19.3791% | 1,901 |
| Total risk-based capital ratio | 20.0044% | 2,054 |
| Memoranda: | ||
| Average total assets | $402,428,500 | 1,638 |
| Average earning assets | $371,863,000 | 1,622 |
| Average equity | $40,109,500 | 1,751 |
| Average total loans | $182,300,250 | 2,198 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 6,061 |
| Cost of funding earning assets | 1.1323% | 1,086 |
| Net interest margin | 2.7013% | 6,705 |
| Noninterest income to average assets | 0.4460% | 4,325 |
| Noninterest expense to average assets | 1.5057% | 7,003 |
| Loan and lease loss provision to assets | 0.3742% | 1,747 |
| Net operating income to assets | 0.8123% | 3,346 |
| Return on assets (ROA) | 0.9060% | 3,155 |
| Pretax return on assets | 1.1814% | 3,011 |
| Return on Equity (ROE) | 9.1885% | 2,719 |
| Retained earnings to average equity (ytd only) | 6.4562% | 2,406 |
| Net charge-offs to loans | 1.0709% | 1,026 |
| Credit loss provision to net charge-offs | 77.9626% | 3,375 |
| Earnings coverage of net charge-offs (x) | 2.9875% | 3,553 |
| Efficiency ratio | 50.4243% | 6,615 |
| Assets per employee ($millions) | 7.0014% | 728 |
| Cash dividends to net income (ytd only)* | 29.7357% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6521% | 6,878 |
| Loan loss allowance to noncurrent loans | 256.1822% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 6,508 |
| Noncurrent loans to loans | 0.2546% | 6,065 |
| Net loans and leases to total assets | 44.3071% | 5,991 |
| Net loans and leases to deposits | 61.1246% | 5,113 |
| Net loans and leases to core deposits | 75.2154% | 3,849 |
| Total domestic deposits to total assets | 72.4866% | 6,777 |
| Equity capital to assets | 9.8380% | 4,560 |
| Core capital (leverage) ratio | 8.5460% | 5,586 |
| Tier 1 risk-based capital ratio | 19.3027% | 1,896 |
| Total risk-based capital ratio | 19.9718% | 2,022 |
| Memoranda: | ||
| Average total assets | $400,868,330 | 1,646 |
| Average earning assets | $370,044,000 | 1,636 |
| Average equity | $39,527,670 | 1,763 |
| Average total loans | $179,661,000 | 2,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 5,938 |
| Cost of funding earning assets | 1.1632% | 1,135 |
| Net interest margin | 2.7700% | 6,676 |
| Noninterest income to average assets | 0.4771% | 4,088 |
| Noninterest expense to average assets | 1.5116% | 7,051 |
| Loan and lease loss provision to assets | 0.1004% | 4,086 |
| Net operating income to assets | 1.0284% | 2,367 |
| Return on assets (ROA) | 1.1530% | 2,053 |
| Pretax return on assets | 1.5879% | 1,609 |
| Return on Equity (ROE) | 11.6796% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.6796% | 882 |
| Net charge-offs to loans | 0.9366% | 1,103 |
| Credit loss provision to net charge-offs | 23.8663% | 3,721 |
| Earnings coverage of net charge-offs (x) | 3.6062% | 2,795 |
| Efficiency ratio | 49.1048% | 6,731 |
| Assets per employee ($millions) | 7.0911% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 6,959 |
| Loan loss allowance to noncurrent loans | 38.4588% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 5,171 |
| Noncurrent loans to loans | 1.6246% | 3,679 |
| Net loans and leases to total assets | 42.2224% | 6,173 |
| Net loans and leases to deposits | 57.2496% | 5,460 |
| Net loans and leases to core deposits | 71.1028% | 4,277 |
| Total domestic deposits to total assets | 73.7515% | 6,770 |
| Equity capital to assets | 9.8606% | 4,299 |
| Core capital (leverage) ratio | 8.7389% | 5,231 |
| Tier 1 risk-based capital ratio | 20.1416% | 1,673 |
| Total risk-based capital ratio | 20.7795% | 1,803 |
| Memoranda: | ||
| Average total assets | $398,263,000 | 1,668 |
| Average earning assets | $366,929,500 | 1,650 |
| Average equity | $39,316,500 | 1,763 |
| Average total loans | $178,940,000 | 2,257 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1944% | 6,070 |
| Cost of funding earning assets | 1.3672% | 1,175 |
| Net interest margin | 2.8272% | 6,788 |
| Noninterest income to average assets | 0.4552% | 4,181 |
| Noninterest expense to average assets | 1.5708% | 7,133 |
| Loan and lease loss provision to assets | 0.0066% | 6,444 |
| Net operating income to assets | 1.0220% | 2,118 |
| Return on assets (ROA) | 1.1648% | 1,730 |
| Pretax return on assets | 1.6637% | 1,071 |
| Return on Equity (ROE) | 12.0145% | 1,401 |
| Retained earnings to average equity (ytd only) | 9.0815% | 782 |
| Net charge-offs to loans | -0.0356% | 7,017 |
| Credit loss provision to net charge-offs | -38.4615% | 6,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7065% | 6,796 |
| Assets per employee ($millions) | 6.8830% | 780 |
| Cash dividends to net income (ytd only)* | 24.4123% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 6,841 |
| Loan loss allowance to noncurrent loans | 62.9864% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 5,562 |
| Noncurrent loans to loans | 1.1872% | 4,387 |
| Net loans and leases to total assets | 47.0914% | 5,914 |
| Net loans and leases to deposits | 64.2607% | 4,975 |
| Net loans and leases to core deposits | 80.2117% | 3,431 |
| Total domestic deposits to total assets | 73.2817% | 6,784 |
| Equity capital to assets | 9.8837% | 4,322 |
| Core capital (leverage) ratio | 8.5339% | 5,508 |
| Tier 1 risk-based capital ratio | 18.6476% | 2,005 |
| Total risk-based capital ratio | 19.4421% | 2,105 |
| Memoranda: | ||
| Average total assets | $379,811,000 | 1,703 |
| Average earning assets | $346,842,200 | 1,715 |
| Average equity | $36,822,200 | 1,830 |
| Average total loans | $182,779,800 | 2,200 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 6,119 |
| Cost of funding earning assets | 1.4065% | 1,210 |
| Net interest margin | 2.8300% | 6,855 |
| Noninterest income to average assets | 0.4683% | 4,144 |
| Noninterest expense to average assets | 1.5511% | 7,192 |
| Loan and lease loss provision to assets | 0.0088% | 6,324 |
| Net operating income to assets | 1.0819% | 2,036 |
| Return on assets (ROA) | 1.1589% | 1,894 |
| Pretax return on assets | 1.5949% | 1,403 |
| Return on Equity (ROE) | 12.0143% | 1,548 |
| Retained earnings to average equity (ytd only) | 10.0327% | 834 |
| Net charge-offs to loans | -0.0564% | 7,068 |
| Credit loss provision to net charge-offs | -32.4675% | 6,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8433% | 6,841 |
| Assets per employee ($millions) | 6.9859% | 740 |
| Cash dividends to net income (ytd only)* | 16.4936% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 6,888 |
| Loan loss allowance to noncurrent loans | 77.2702% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 5,762 |
| Noncurrent loans to loans | 0.9753% | 4,939 |
| Net loans and leases to total assets | 48.1218% | 5,938 |
| Net loans and leases to deposits | 66.4409% | 4,839 |
| Net loans and leases to core deposits | 82.8966% | 3,203 |
| Total domestic deposits to total assets | 72.4280% | 6,904 |
| Equity capital to assets | 10.0837% | 4,230 |
| Core capital (leverage) ratio | 8.5932% | 5,564 |
| Tier 1 risk-based capital ratio | 18.6072% | 2,060 |
| Total risk-based capital ratio | 19.4236% | 2,158 |
| Memoranda: | ||
| Average total assets | $376,681,000 | 1,730 |
| Average earning assets | $343,548,250 | 1,734 |
| Average equity | $36,333,500 | 1,858 |
| Average total loans | $181,938,250 | 2,238 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 6,228 |
| Cost of funding earning assets | 1.4270% | 1,300 |
| Net interest margin | 2.7999% | 6,924 |
| Noninterest income to average assets | 0.4848% | 3,979 |
| Noninterest expense to average assets | 1.5635% | 7,270 |
| Loan and lease loss provision to assets | 0.0134% | 6,110 |
| Net operating income to assets | 1.0599% | 2,005 |
| Return on assets (ROA) | 1.1567% | 1,777 |
| Pretax return on assets | 1.5870% | 1,281 |
| Return on Equity (ROE) | 12.1813% | 1,443 |
| Retained earnings to average equity (ytd only) | 9.1416% | 1,061 |
| Net charge-offs to loans | -0.1164% | 7,201 |
| Credit loss provision to net charge-offs | -23.8095% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5378% | 6,900 |
| Assets per employee ($millions) | 6.9962% | 723 |
| Cash dividends to net income (ytd only)* | 24.9538% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 6,928 |
| Loan loss allowance to noncurrent loans | 129.9456% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 6,254 |
| Noncurrent loans to loans | 0.5890% | 5,751 |
| Net loans and leases to total assets | 48.2494% | 6,028 |
| Net loans and leases to deposits | 66.3289% | 4,951 |
| Net loans and leases to core deposits | 82.6217% | 3,410 |
| Total domestic deposits to total assets | 72.7427% | 6,951 |
| Equity capital to assets | 9.6122% | 4,647 |
| Core capital (leverage) ratio | 8.2610% | 5,930 |
| Tier 1 risk-based capital ratio | 17.9275% | 2,203 |
| Total risk-based capital ratio | 18.7603% | 2,305 |
| Memoranda: | ||
| Average total assets | $374,167,000 | 1,747 |
| Average earning assets | $340,292,670 | 1,758 |
| Average equity | $35,530,000 | 1,886 |
| Average total loans | $180,484,670 | 2,279 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 6,210 |
| Cost of funding earning assets | 1.4469% | 1,401 |
| Net interest margin | 2.7821% | 6,933 |
| Noninterest income to average assets | 0.5498% | 3,512 |
| Noninterest expense to average assets | 1.5941% | 7,308 |
| Loan and lease loss provision to assets | 0.0271% | 5,626 |
| Net operating income to assets | 1.0916% | 1,864 |
| Return on assets (ROA) | 1.1040% | 1,879 |
| Pretax return on assets | 1.4575% | 1,574 |
| Return on Equity (ROE) | 11.7006% | 1,542 |
| Retained earnings to average equity (ytd only) | 11.7006% | 779 |
| Net charge-offs to loans | -0.3793% | 7,378 |
| Credit loss provision to net charge-offs | -14.8810% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0269% | 6,918 |
| Assets per employee ($millions) | 7.1936% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 6,834 |
| Loan loss allowance to noncurrent loans | 95.5882% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 6,035 |
| Noncurrent loans to loans | 0.8809% | 5,287 |
| Net loans and leases to total assets | 46.1773% | 6,269 |
| Net loans and leases to deposits | 62.2356% | 5,469 |
| Net loans and leases to core deposits | 77.5035% | 4,087 |
| Total domestic deposits to total assets | 74.1976% | 6,880 |
| Equity capital to assets | 9.3665% | 4,629 |
| Core capital (leverage) ratio | 8.4865% | 5,485 |
| Tier 1 risk-based capital ratio | 18.4666% | 1,969 |
| Total risk-based capital ratio | 19.3822% | 2,042 |
| Memoranda: | ||
| Average total assets | $368,854,500 | 1,789 |
| Average earning assets | $333,125,000 | 1,798 |
| Average equity | $34,801,500 | 1,906 |
| Average total loans | $177,181,000 | 2,345 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 6,318 |
| Cost of funding earning assets | 1.7009% | 1,594 |
| Net interest margin | 2.8270% | 6,999 |
| Noninterest income to average assets | 0.4391% | 4,598 |
| Noninterest expense to average assets | 1.6789% | 7,359 |
| Loan and lease loss provision to assets | 0.0724% | 6,422 |
| Net operating income to assets | 0.9685% | 2,137 |
| Return on assets (ROA) | 0.9984% | 2,147 |
| Pretax return on assets | 1.2879% | 1,962 |
| Return on Equity (ROE) | 10.3266% | 1,808 |
| Retained earnings to average equity (ytd only) | 7.7701% | 1,051 |
| Net charge-offs to loans | 0.5646% | 3,360 |
| Credit loss provision to net charge-offs | 25.6332% | 6,523 |
| Earnings coverage of net charge-offs (x) | 4.6819% | 2,846 |
| Efficiency ratio | 54.6139% | 6,751 |
| Assets per employee ($millions) | 6.4808% | 954 |
| Cash dividends to net income (ytd only)* | 24.7564% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7364% | 7,075 |
| Loan loss allowance to noncurrent loans | 175.2355% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,569 |
| Noncurrent loans to loans | 0.4202% | 6,207 |
| Net loans and leases to total assets | 49.2383% | 6,251 |
| Net loans and leases to deposits | 67.5535% | 5,159 |
| Net loans and leases to core deposits | 81.6442% | 3,958 |
| Total domestic deposits to total assets | 72.8879% | 7,007 |
| Equity capital to assets | 9.5083% | 4,393 |
| Core capital (leverage) ratio | 8.3378% | 5,628 |
| Tier 1 risk-based capital ratio | 17.7079% | 2,088 |
| Total risk-based capital ratio | 18.5010% | 2,214 |
| Memoranda: | ||
| Average total assets | $349,573,400 | 1,871 |
| Average earning assets | $316,765,600 | 1,876 |
| Average equity | $33,796,200 | 1,954 |
| Average total loans | $174,818,000 | 2,406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 6,536 |
| Cost of funding earning assets | 1.7453% | 1,648 |
| Net interest margin | 2.7824% | 7,151 |
| Noninterest income to average assets | 0.4431% | 4,614 |
| Noninterest expense to average assets | 1.6482% | 7,470 |
| Loan and lease loss provision to assets | 0.0682% | 6,389 |
| Net operating income to assets | 1.0012% | 2,234 |
| Return on assets (ROA) | 1.0107% | 2,319 |
| Pretax return on assets | 1.2652% | 2,282 |
| Return on Equity (ROE) | 10.4106% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.1315% | 1,017 |
| Net charge-offs to loans | 0.7151% | 2,635 |
| Credit loss provision to net charge-offs | 19.0374% | 6,256 |
| Earnings coverage of net charge-offs (x) | 3.6877% | 3,335 |
| Efficiency ratio | 54.1430% | 6,779 |
| Assets per employee ($millions) | 6.4529% | 990 |
| Cash dividends to net income (ytd only)* | 12.2867% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 7,160 |
| Loan loss allowance to noncurrent loans | 75.3239% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5458% | 6,061 |
| Noncurrent loans to loans | 0.9587% | 5,316 |
| Net loans and leases to total assets | 49.5438% | 6,371 |
| Net loans and leases to deposits | 68.3863% | 5,367 |
| Net loans and leases to core deposits | 83.5302% | 4,014 |
| Total domestic deposits to total assets | 72.4470% | 7,090 |
| Equity capital to assets | 9.9309% | 4,247 |
| Core capital (leverage) ratio | 8.4722% | 5,558 |
| Tier 1 risk-based capital ratio | 17.5743% | 2,149 |
| Total risk-based capital ratio | 18.3578% | 2,264 |
| Memoranda: | ||
| Average total assets | $347,855,250 | 1,906 |
| Average earning assets | $315,880,250 | 1,910 |
| Average equity | $33,772,250 | 1,980 |
| Average total loans | $174,320,000 | 2,456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 6,658 |
| Cost of funding earning assets | 1.8010% | 1,637 |
| Net interest margin | 2.7204% | 7,235 |
| Noninterest income to average assets | 0.4851% | 4,237 |
| Noninterest expense to average assets | 1.6324% | 7,546 |
| Loan and lease loss provision to assets | 0.0741% | 6,203 |
| Net operating income to assets | 1.0177% | 2,127 |
| Return on assets (ROA) | 0.9679% | 2,389 |
| Pretax return on assets | 1.1844% | 2,468 |
| Return on Equity (ROE) | 10.0478% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.1007% | 1,407 |
| Net charge-offs to loans | 1.0208% | 1,832 |
| Credit loss provision to net charge-offs | 14.4633% | 5,902 |
| Earnings coverage of net charge-offs (x) | 2.5751% | 3,708 |
| Efficiency ratio | 53.9321% | 6,889 |
| Assets per employee ($millions) | 6.2376% | 1,078 |
| Cash dividends to net income (ytd only)* | 19.3780% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7250% | 7,196 |
| Loan loss allowance to noncurrent loans | 60.9919% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 5,810 |
| Noncurrent loans to loans | 1.1887% | 4,973 |
| Net loans and leases to total assets | 50.1357% | 6,418 |
| Net loans and leases to deposits | 70.4280% | 5,217 |
| Net loans and leases to core deposits | 88.1732% | 3,526 |
| Total domestic deposits to total assets | 71.1872% | 7,250 |
| Equity capital to assets | 9.7279% | 4,371 |
| Core capital (leverage) ratio | 8.1146% | 6,096 |
| Tier 1 risk-based capital ratio | 16.6213% | 2,433 |
| Total risk-based capital ratio | 17.3901% | 2,572 |
| Memoranda: | ||
| Average total assets | $345,503,000 | 1,935 |
| Average earning assets | $313,264,330 | 1,947 |
| Average equity | $33,281,000 | 2,003 |
| Average total loans | $173,388,000 | 2,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 6,575 |
| Cost of funding earning assets | 1.8191% | 1,802 |
| Net interest margin | 2.7767% | 7,216 |
| Noninterest income to average assets | 0.4540% | 4,431 |
| Noninterest expense to average assets | 1.5762% | 7,672 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0964% | 1,837 |
| Return on assets (ROA) | 1.2235% | 1,553 |
| Pretax return on assets | 1.5623% | 1,358 |
| Return on Equity (ROE) | 12.7659% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.7659% | 653 |
| Net charge-offs to loans | 1.6477% | 1,058 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.6977% | 3,715 |
| Efficiency ratio | 51.6041% | 7,184 |
| Assets per employee ($millions) | 6.4306% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 6,971 |
| Loan loss allowance to noncurrent loans | 41.7598% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0920% | 4,962 |
| Noncurrent loans to loans | 2.0521% | 3,717 |
| Net loans and leases to total assets | 48.5414% | 6,619 |
| Net loans and leases to deposits | 68.1476% | 5,567 |
| Net loans and leases to core deposits | 84.3733% | 4,158 |
| Total domestic deposits to total assets | 71.2298% | 7,329 |
| Equity capital to assets | 9.5922% | 4,385 |
| Core capital (leverage) ratio | 8.0665% | 6,138 |
| Tier 1 risk-based capital ratio | 15.9465% | 2,676 |
| Total risk-based capital ratio | 16.7981% | 2,793 |
| Memoranda: | ||
| Average total assets | $343,601,500 | 1,995 |
| Average earning assets | $312,028,000 | 2,001 |
| Average equity | $32,931,500 | 2,039 |
| Average total loans | $171,879,000 | 2,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 6,354 |
| Cost of funding earning assets | 2.0404% | 2,770 |
| Net interest margin | 2.9837% | 6,687 |
| Noninterest income to average assets | 0.3863% | 5,322 |
| Noninterest expense to average assets | 1.8543% | 7,563 |
| Loan and lease loss provision to assets | 0.0836% | 6,775 |
| Net operating income to assets | 1.1859% | 1,282 |
| Return on assets (ROA) | 0.6135% | 3,351 |
| Pretax return on assets | 0.5631% | 4,007 |
| Return on Equity (ROE) | 6.1868% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.1641% | 2,303 |
| Net charge-offs to loans | 0.0770% | 6,344 |
| Credit loss provision to net charge-offs | 214.2857% | 1,786 |
| Earnings coverage of net charge-offs (x) | 31.2540% | 737 |
| Efficiency ratio | 58.6926% | 6,666 |
| Assets per employee ($millions) | 6.0706% | 1,204 |
| Cash dividends to net income (ytd only)* | 32.6942% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 5,528 |
| Loan loss allowance to noncurrent loans | 52.2319% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 4,656 |
| Noncurrent loans to loans | 2.2436% | 3,341 |
| Net loans and leases to total assets | 50.5085% | 6,577 |
| Net loans and leases to deposits | 72.2356% | 5,294 |
| Net loans and leases to core deposits | 87.6873% | 5,358 |
| Total domestic deposits to total assets | 69.9218% | 7,434 |
| Equity capital to assets | 9.5761% | 4,303 |
| Core capital (leverage) ratio | 8.0001% | 6,194 |
| Tier 1 risk-based capital ratio | 14.8077% | 3,043 |
| Total risk-based capital ratio | 16.0326% | 3,008 |
| Memoranda: | ||
| Average total assets | $323,038,800 | 2,102 |
| Average earning assets | $290,917,400 | 2,122 |
| Average equity | $32,035,800 | 2,088 |
| Average total loans | $163,589,800 | 2,710 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 6,240 |
| Cost of funding earning assets | 2.0848% | 2,961 |
| Net interest margin | 3.0218% | 6,544 |
| Noninterest income to average assets | 0.3881% | 5,406 |
| Noninterest expense to average assets | 1.8589% | 7,597 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0357% | 1,949 |
| Return on assets (ROA) | 0.8364% | 2,732 |
| Pretax return on assets | 1.0079% | 2,882 |
| Return on Equity (ROE) | 8.3576% | 2,500 |
| Retained earnings to average equity (ytd only) | 7.0037% | 1,505 |
| Net charge-offs to loans | 0.0985% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.0761% | 1,065 |
| Efficiency ratio | 58.1774% | 6,694 |
| Assets per employee ($millions) | 5.5309% | 1,589 |
| Cash dividends to net income (ytd only)* | 16.2000% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 5,934 |
| Loan loss allowance to noncurrent loans | 56.8533% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0374% | 5,004 |
| Noncurrent loans to loans | 1.8730% | 3,806 |
| Net loans and leases to total assets | 51.1768% | 6,685 |
| Net loans and leases to deposits | 72.6448% | 5,559 |
| Net loans and leases to core deposits | 85.1738% | 5,952 |
| Total domestic deposits to total assets | 70.4480% | 7,385 |
| Equity capital to assets | 10.5586% | 3,445 |
| Core capital (leverage) ratio | 8.5024% | 5,491 |
| Tier 1 risk-based capital ratio | 14.0807% | 3,498 |
| Total risk-based capital ratio | 15.1442% | 3,552 |
| Memoranda: | ||
| Average total assets | $318,810,750 | 2,130 |
| Average earning assets | $286,837,000 | 2,159 |
| Average equity | $31,906,250 | 2,117 |
| Average total loans | $161,052,250 | 2,769 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 6,249 |
| Cost of funding earning assets | 2.1403% | 3,085 |
| Net interest margin | 3.0109% | 6,523 |
| Noninterest income to average assets | 0.3986% | 5,305 |
| Noninterest expense to average assets | 1.8934% | 7,630 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9566% | 2,258 |
| Return on assets (ROA) | 1.1309% | 1,744 |
| Pretax return on assets | 1.4283% | 1,648 |
| Return on Equity (ROE) | 11.5131% | 1,559 |
| Retained earnings to average equity (ytd only) | 9.4396% | 828 |
| Net charge-offs to loans | 0.0715% | 5,506 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 33.7018% | 921 |
| Efficiency ratio | 59.3959% | 6,634 |
| Assets per employee ($millions) | 5.5356% | 1,554 |
| Cash dividends to net income (ytd only)* | 18.0100% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,469 |
| Loan loss allowance to noncurrent loans | 96.0950% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 5,751 |
| Noncurrent loans to loans | 1.1635% | 4,889 |
| Net loans and leases to total assets | 51.0414% | 6,779 |
| Net loans and leases to deposits | 73.4251% | 5,547 |
| Net loans and leases to core deposits | 85.0691% | 6,005 |
| Total domestic deposits to total assets | 69.5150% | 7,512 |
| Equity capital to assets | 9.9527% | 4,014 |
| Core capital (leverage) ratio | 8.3252% | 5,751 |
| Tier 1 risk-based capital ratio | 12.9408% | 4,191 |
| Total risk-based capital ratio | 13.9156% | 4,303 |
| Memoranda: | ||
| Average total assets | $318,151,000 | 2,154 |
| Average earning assets | $285,565,670 | 2,193 |
| Average equity | $31,251,330 | 2,166 |
| Average total loans | $159,424,000 | 2,830 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 6,278 |
| Cost of funding earning assets | 2.2034% | 3,150 |
| Net interest margin | 3.0013% | 6,474 |
| Noninterest income to average assets | 0.4495% | 4,773 |
| Noninterest expense to average assets | 1.8168% | 7,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0575% | 2,112 |
| Return on assets (ROA) | 1.2859% | 1,516 |
| Pretax return on assets | 1.6027% | 1,400 |
| Return on Equity (ROE) | 13.1772% | 1,342 |
| Retained earnings to average equity (ytd only) | 13.1772% | 613 |
| Net charge-offs to loans | 0.1598% | 3,685 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 16.6984% | 1,537 |
| Efficiency ratio | 56.3324% | 6,922 |
| Assets per employee ($millions) | 5.3885% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,066 |
| Loan loss allowance to noncurrent loans | 118.8976% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 5,981 |
| Noncurrent loans to loans | 0.9738% | 5,050 |
| Net loans and leases to total assets | 48.6571% | 6,971 |
| Net loans and leases to deposits | 68.4566% | 6,137 |
| Net loans and leases to core deposits | 83.4148% | 6,102 |
| Total domestic deposits to total assets | 71.0773% | 7,322 |
| Equity capital to assets | 10.0389% | 3,960 |
| Core capital (leverage) ratio | 8.1427% | 6,199 |
| Tier 1 risk-based capital ratio | 12.9293% | 4,225 |
| Total risk-based capital ratio | 13.8985% | 4,355 |
| Memoranda: | ||
| Average total assets | $319,460,500 | 2,167 |
| Average earning assets | $285,743,500 | 2,210 |
| Average equity | $31,175,000 | 2,180 |
| Average total loans | $157,699,500 | 2,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5189% | 7,255 |
| Cost of funding earning assets | 2.5188% | 4,096 |
| Net interest margin | 3.0001% | 6,918 |
| Noninterest income to average assets | 0.3672% | 5,767 |
| Noninterest expense to average assets | 1.8638% | 7,670 |
| Loan and lease loss provision to assets | 0.2139% | 4,752 |
| Net operating income to assets | 0.8332% | 3,294 |
| Return on assets (ROA) | -0.1924% | 6,461 |
| Pretax return on assets | -0.6150% | 6,750 |
| Return on Equity (ROE) | -1.8980% | 6,487 |
| Retained earnings to average equity (ytd only) | -6.1389% | 6,680 |
| Net charge-offs to loans | 0.1738% | 4,462 |
| Credit loss provision to net charge-offs | 252.9412% | 1,838 |
| Earnings coverage of net charge-offs (x) | 14.2039% | 2,064 |
| Efficiency ratio | 58.7815% | 6,562 |
| Assets per employee ($millions) | 5.4406% | 1,504 |
| Cash dividends to net income (ytd only)* | -223.4483% | 8,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,623 |
| Loan loss allowance to noncurrent loans | 121.6860% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 5,742 |
| Noncurrent loans to loans | 0.9780% | 4,641 |
| Net loans and leases to total assets | 48.9112% | 7,111 |
| Net loans and leases to deposits | 70.2573% | 6,246 |
| Net loans and leases to core deposits | 83.7507% | 6,311 |
| Total domestic deposits to total assets | 69.6173% | 7,323 |
| Equity capital to assets | 9.4811% | 4,713 |
| Core capital (leverage) ratio | 8.1001% | 6,325 |
| Tier 1 risk-based capital ratio | 15.6029% | 2,815 |
| Total risk-based capital ratio | 16.8532% | 2,737 |
| Memoranda: | ||
| Average total assets | $301,483,200 | 2,198 |
| Average earning assets | $271,120,800 | 2,224 |
| Average equity | $30,559,200 | 2,211 |
| Average total loans | $146,706,000 | 2,985 |